Jay serves as the Chariman and CEO for BankMobile and Customers Bank. BankMobile is the first application to offer free checking accounts, savings accounts, lines of credit, and access to over 55,000 ATMs without any fees in the US. BankMobile is aiming to provide the full banking experience via a mobile application to attract millennial users. Jay has spent his career in the Banking Sector and prior to joining Customers Bank he served as the Founder, Chairman and CEO of Sovereign Bancorp Inc and led it to become the 17th largest bank in the country. He has his MBA from Wilkes University and also graduated from Harvard Business School's Leadership Course.

FutureCast is an insights and analytical marketing consultancy that helps organizations design products, experiences, and activations for the future through Millennial research and consulting. Utilizing consumer research, data-based strategies, and predictive analytics, FutureCast also designs targeted marketing programs that are driven by quantitative Millennial behavior and needs.

Viacom executive Kodi Foster says that predictive models don’t work if the data they use is meaningless

Start up entrepreneur Robin Liss says that for brands and organizations to innovate they have to keep investing in their acquisitions long after the M&A deals go through