17–Ed Fikse shares his 7 criteria for an angel investment
Show notes for AngelConnect.info, episode 17: Ed Fikse 17. Ed Fiske shares his 7 Criteria for InvestmentIn this episode, Hall Martin of the Austin Angel Network interviews Fikse of the Baylor Angel Network (BAN). As a member of the board of the BAN, Ed delivers his seven points or criteria…
Thomas Williams talks about Investing in Restaurants
Show notes for Angel Connect, episode 14: Thomas Williamson this episode, Hall Martin of www.AngelConnect.info, interviews Thomas Williams, an investor in consumer product goods and restaurants. He is especially interested in micro-breweries, beer, and good food as a growing environment.The cases-in-point which he describes in this discussionare Zilker Brewery in Austin, Texas,…
Episode 11 of ANGEL CONNECT PODCAST: Vinod of PeachTree from TieCon Silicon Valley 2014
Show notes for Episode 11 of ANGEL CONNECT PODCAST: Vinod of PeachTree from TieCon Silicon Valley 2014================================================== In this episode of the ANGEL CONNECT PODCAST SHOW,Hall Martin interviews Vinod of Peachtree from the TieConSilicon Valley 2014 conference. Vinod is part of Indian Angel Network, which is India’s largest Angel group,which…
07–Nick Mysore of TiECon South 2014
Shownotes for episode 7- Nick Mysore In this episode of the Angel Connect Podcast show, Hall Martin continues the discussion of mentorship with Nick Mysore. As you will hear in this audio episode, Nick will outline how to create what he calls “customer delight.” He explains: – how to create a…
05- George Brodie at TiECon South 2014
SHOW NOTES FOR EPISODE 5 —ANGEL CONNECT PODCAST —Interview with George Brodie In this episode of the Angel Connect podcast show, Hall Martin interviews George Brodie at the TiECon South conference in Texas. This interview deals with the TiE Mentorship program,including examples with potential Angel Investors, as wellas suggestions. In fact, the mentorship values rely onthe pro-active networking…
02- Interview with Keith Larson
In this episode of the Angel Connect podcast show, Hall Martin interviews Keith Larson of the TiE Rocky chapter. The discussion deals with the TiE growth in Colorado, as well as Mr. Larson’s experience in networking and mentoring or education. For a summary of Mr. Larson’s biography,select this link for…
Keith Larsen
Mr. Larson has over 30 years of experience in senior leadership roles. He has well-rounded experience inSales, Finance, Operations, and Human Resources. Since 2006, Keith has been the president of SKiLBusiness Advisors where he has helped companies increase sales and improve profitability. In addition,he has coached several startups and early…
What is AngelConnect
AngelConnect is a podcast series of interviews with investors that is provided to inform angel investors about the process of funding startups. In this program, experienced investors share their experiences and advice to those who are considering an investment into startups and growth companies. AngelConnect is a community program. We welcome your suggestions for speakers […]
Investor Connect – Episode 220 – Felipe Luna of Omniscient
In this episode, Hall interviews Felipe Luna, CEO of Omniscient. Omniscient is a fintech data analytics and software development firm and developer of the fast-growing Omniscient CRM platform. Felipe talks about his start in retail financial…
Investor Connect – Episode 219 – Edward Corona of FinTech Merchant Accounts
In this episode, Hall is joined by Edward Corona of New York-based FinTech Merchant Accounts, a specialty firm providing the leading payment processing platform for the equity financing and crowdfunding industries. Edward touches on his extensive…
Investor Connect – Episode 218 – Dan Conner of Ascend Venture Capital
On this episode, Hall is joined by Dan Conner of St. Louis-based Ascend Venture Capital. Before coming into investing, Dan worked as an engineer, primarily in the oil, biofuel, and wind energy industries. After getting his MBA, Dan ended up in the VC…
Investor Connect – Episode 217 – Karen Rands Author of Secrets to Angel Investing
In this episode, Hall welcomes Karen Rands, author of Inside Secrets to Angel Investing. Karen discusses her background prior to early-stage investing, working at IBM as a business manager. She covers topics ranging from the world of angel investing,…
Investor Connect – Episode 216 – Bob Bridge of Southwest Angel Network
On this episode, Hall is joined by Bob Bridge of the Southwest Angel Network. Before becoming an angel investor he began his career earning a PHD in computer engineering, which led him to work with high-tech startups, semiconductors and hardware…
Investor Connect – Episode 215 – Hélène Thibieroz of We Grow Green Tech
In this episode, Hall is joined by Hélène Thibieroz, founder and senior managing partner of We Grow Green Tech. We Grow Green Tech focuses on accelerating growth for green technology innovation and impact by partnering with early to late-stage…
Investor Connect – Episode 214 – John Cooper of Minimelife
On this episode, Hall is joined by John Cooper of Minimelife. John has practiced healthcare for most of his life and for the last 14 years as an attending vascular surgeon at Virtual Health System in New Jersey. Over his career, John has witnessed…
Investor Connect – Episode 213 – Patrick Juthberg of Carable
In this episode, Hall is joined by Patrick Juthberg of Carable, an automotive marketplace that connects buyers to sellers directly, completely removing the middleman. Patrick, who hails from Sweden, considers himself a “serial” entrepreneur and…
Investor Connect – Episode 212 – Paul Van Kleef of Nannocare
On this episode, Hall is joined by Paul Van Kleef of Nannocare. Before Nannocare, Paul started his career attending business school in Los Angeles which led him to work with various consulting companies. Along the way, he decided that his true passion…
Investor Connect – Episode 211 – Damon Torgerson of Alludo
In this episode, Hall is joined by Damon Torgerson of Alludo. As the episode begins you’ll learn more about Damon’s background prior to Alludo and what led him on the path to education. He began his career in enterprise IT consulting work, with a…
Investor Connect – Episode 210 – Eric Smith of AppBrilliance
In this episode, Hall is joined by Eric Smith of AppBrilliance. AppBrilliance, Inc. is a privately held company based in Austin, TX. As the episode kicks off you’ll learn about Eric’s background prior to AppBrilliance. Before this,…
Investor Connect – Episode 209 – Shawn Flynn of TechCode
In this episode, Hall is joined by Shawn Flynn of Silicon Valley-based TechCode. Before Shawn began investing in early-stage companies, he spent over 4 years living and conducting business in Beijing, China. While there, he founded three companies,…
Investor Connect – Episode 208 – Josh Cohen of City Light Capital
In this episode, Hall is joined by Josh Cohen of City Light Capital. Before investing, Josh began his career as an investment banking analyst at Alex Brown in the 1990’s. This led him to heading a corporate development group for a banking client…
Investor Connect – Episode 207 – James Wang of Creative Ventures
On this episode, Hall is joined by James Wang of Creative Ventures. Before early stage investing, James started out at the hedge fund Brightwater Associates. His background in both finance and technology led him to really being able to focus on risk…
Investor Connect – Episode 206 – Rodolfo Bellesi of Ikove Capital
On this episode, Hall is joined by Rodolfo Bellesi of Ikove Capital, a venture development company founded to pursue early-stage investments with an emphasis on technology commercialization in the Midwest. An engineer, Rodolfo actually started his…
Investor Connect – Episode 205 – Flavio Lobato of Ikove Capital
On this episode, Hall is joined by Flavio Lobato of Ikove Capital, a venture development company founded to pursue early-stage investments with an emphasis on technology commercialization in the Midwest. Hailing from Brazil, Flavio started his career…
Investor Connect – Episode 204 – Mendy Ouzillou of MMOmentum Consulting
On this episode Investor Connect, Hall welcomes Mendy Ouzillou of MMOmentum Consulting. In this episode, Mendy illuminates the concept of ‘points of friction’. As Mendy explains, points of friction are any number of things that get in the way of…
Investor Connect – Episode 203 – Rita Sudheer of Asa Ventures
In this episode, Hall is joined by Rita Sudheer of Asa Ventures. As the episode begins, you’ll learn about Rita’s background prior to Asa Ventures- Arif Saiyad & Associados (ASA) Ventures, established in 2003 in Portugal and headquartered in…
Investor Connect – Episode 202 – Nathan Low of Raanana Ziontech Partners
On this episode of Investor Connect, Hall welcomes Nathan Low of Raanana Ziontech Partners. With a background in semiconductor production, logistics, and manufacturing, Nathan started his angel investing career in Israel, eventually expanding to New…
Investor Connect – Episode 201 – Dougal Cameron of Golden Section Ventures
On this episode of Investor Connect, Hall welcomes Dougal Cameron of Golden Section Ventures. Dougal came to investing through his family, which provided him operational insight into an investor perspective. Dougal talks about how he and Isaac Shi…
Investor Connect – Episode 200 – Skyler Fernandes of Venture University
On this episode of Investor Connect, Hall welcomes Skyler Fernandes of Venture University. Skyler has an extensive background in venture capital and private equity. Venture University, now over a year old, is a multistage venture fund, primarily…
Investor Connect- Episode 199 – Chris Fisher of Click Ventures
On this episode of Investor Connect, Hall welcomes Chris Fisher of Click Ventures. With a background in corporate IT, Chris started his angel investing career in Hong Kong, where he eventually teamed up with Carman Chan of Click Ventures. Chris…
Investor Connect- Episode 198 – Jay Joshi of MD Angels
On this episode of Investor Connect, Hall welcomes Jay Joshi of MD Angels. Jay, a physician by training, went through undergrad and medical school at the same time in an accelerated medical program. It was there he discovered that he looks at medicine…
Investor Connect- Episode 197 – Steve Shapiro of eHealth Ventures
On this episode of Investor Connect, Hall welcomes Steve Shapiro of eHealth Ventures. Before eHealth, Steve spent years in the cell phone industry before transitioning to a career in consulting and angel investing. He partnered with Israeli-based…
Investor Connect – Episode 196 – Chris Rawlings of JudoLaunch
In this episode, Chris gives his thoughts on how the industry is evolving. He discusses how we are headed towards e-commerce first or e-commerce only, not as a supplement to physical retail. You’ll also get his advice to those investing in this…
Investor Connect- Episode 195 – Lawrence Lerner of Pithia
In this episode, Hall interviews Lawrence Lerner of Pithia, an investment firm focusing on “blockchain realism”. Pithia’s thesis emphasizes foundational businesses that enable blockchain infrastructure.
Investor Connect- Episode 194 – Jake Moilanen of Seraph Group
On this episode of Investor Connect, Hall welcomes Jake Moilanen of Seraph Group. As we kick off, Jake talks about what he did prior to investing in early stage startups. A self described geek, Jake started out working in computer programming….
Investor Connect – Episode 193 – Nicole Quinn of Lightspeed Venture Partners
On this episode of Investor Connect, Hall welcomes Nicole Quinn of Lightspeed Venture Partners. Nicole focuses on early stage consumer technology companies, having invested in companies such as Zola, Rothy’s, Daily Harvest, Dote, Brandable, Girlboss…
Investor Connect – Episode 192 – John Pope and James Walker of WellDog
In this episode, Hall interviews John Pope and James Walker of WellDog, an energy-focused technical services company that provides practical engineering and business solutions in a high volume, cost effective manner with a remarkable customer focus.
Investor Connect- Episode 191 – Kalman Saffran of Summa Management
On this episode of Investor Connect, Hall welcomes Kalman Saffran of Summa Management.As the episode kicks off, Kal speaks about his background before Summa Management. A self described businessman/scientist/engineer, Kal started out at the…
Investor Connect- Episode 190 – Mick Connors of Anytime Pediatrics
On this episode of Investor Connect, Hall welcomes Mick Connors, CEO and Founder at Anytime Pediatrics and Anytime Telehealth, Inc. Mick was inspired to get into the medical field and pediatrics after his brother passed away from pediatric…
Investor Connect- Episode 189 – Jon Glesinger and Leslie Ackerman of Comprindeo
In this episode of Investor Connect, Hall is joined by Jon Glesinger and Leslie Ackerman of Comprindeo. Jon started his career in the tech sector in the 80’s, coming out with the first IBM computers. This then led him to his first computer startup…
Investor Connect- Episode 188 – Donald Stalter of Global Founders Capital
Hall is joined by Donald Stalter of Global Founders Capital. After graduating from the University of Chicago, Donald started out as an investment banker at Credit Suisse in the MNA group in San Francisco. While there, he handled deals like…
Investor Connect- Episode 187 – Yoon Choi of Forest Ventures
In this episode, Hall interviews Yoon Choi of Forest Ventures, an early-stage venture capital firm focused on investments in innovative technologies in the areas of mobility, AI, and data analytics. Yoon provides some broad advice for early-stage…
Investor Connect – Episode 186 – Michel Wendell of Nexit Ventures
In this episode, Hall interviews Michel Wendell of Nexit Ventures, the oldest and most experienced VC fund in Finland, focusing on digital disruption. Michel Wendell has 20 years of broad experience in launching and managing international Infocom…
Investor Connect – Episode 185- Mary Ann Azevedo of Crunchbase
In this episode, Hall interviews Mary Ann Azevedo, business writer for Crunchbase News. Crunchbase is the leading destination for millions of users to discover industry trends, investments, and news about global companies–from startups to the…
Investor Connect – Episode 184 – Bill Leake of Apogee on Moving from a Startup to a Growth Company
In this episode, Hall talks with Bill Leake, CEO of Apogee Results, an Austin-based digital marketing agency. Bill and Hall discuss how companies can move their marketing functions from a startup stage to a growth stage company. Bill briefly talks…
Investor Connect – Episode 183 – Brooke Waupsh of Swoovy
In this episode, Hall interviews Brooke Waupsh, co-founder of Swoovy, a new and unique online dating app. Brooke has 15 years of experience in the consumer sector and has developed expertise in research and consumer insight. Brooke talks about some of…
Investor Connect – Episode 182 – John Fein of Firebrand Ventures
In this episode, Hall interviews John Fein of Firebrand Ventures, a Midwest-oriented venture fund focused on seed-stage software startups. John is an experienced entrepreneur and founder, who got into startup investing with Techstars in Kansas City.
Investor Connect – Episode 181 – Nathan Scripps of Common Sense Growth
In this episode, Hall interviews Nathan Scripps of Common Sense Growth, a for-profit subsidiary of the nonprofit Common Sense Media, which is the largest and leading nonprofit for school-age kids and their families in the country. Nathan honed his…
Investor Connect – Episode 180 – Andrii Zamovsky of Ambisafe
In this episode, Hall interviews Andrii Zamovsky of Ambisafe, a blockchain software company specializing in software for financial markets. Ambisafe builds complex infrastructure on the blockchain, and provides end-to-end token sale infrastructure. As…
Investor Connect – Episode 179 – Eric Rosenblum of Tsingyuan Ventures
In this episode, Hall interviews Eric Rosenblum of Tsingyuan Ventures, a technology-focused venture fund based in Los Altos, California. Tsingyuan invests in seed to A-round startups in the United States, and is a successor fund to the TEEC Angel…
Investor Connect – Episode 178 – William Chu of SparkLabs FinTech
In this episode, Hall interviews William Chu of SparkLabs FinTech, a global accelerator program focused on helping promising early-stage fintech companies develop and scale in various markets across the globe. After some success in private equity in…
Investor Connect – Episode 177 – Terry Koehler, a Golf Industry Entrepreneur
In this episode, Hall interviews Terry Koehler, a golf industry entrepreneur. Terry talks about some of the characteristics of the golf space, and what led him to become an entrepreneur. Terry discusses the stability of the multi-billion dollar golf…
Investor Connect – Episode 176 – Mike Krilivsky of RageOn!
In this episode, Hall interviews Mike Krilivsky of RageOn!, an online store specializing in revolutionary, one-of-a-kind custom printing. RageOn! has developed a patent-pending, all-over-print technology that allows creators, brands, and artists to…
Investor Connect – Episode 175 – Kim Folsom of Founders First
In this episode, Hall interviews Kim Folsom of Founders First Capital. Kim is a serial tech entrepreneur for over 20 years, who has founded, grew, and funded six tech companies, exited three, and raised over 30 million in venture. Kim talks about her…
Investor Connect – Episode 174 – Jorge Azpe and Samuel Gutierrez of Schok
In this episode, Hall interviews Jorge Azpe and Samuel Gutierrez of Schok LLC, manufacturer of retail electronics, including tablets and cell phones. Samuel and Jorge talk about how they got into the mobile device space, and the opportunities they saw…
Investor Connect – Episode 173 – Michael Zavet of Hyperion Exchange
In this episode, Hall interviews Michael Zavet of Canada-based Hyperion Exchange, a platform for trading tokenized financial instruments using blockchain technology. Michael and Hall discuss the current state of the crypto market in general, and the…
Investor Connect – Episode 172 – Travis Farese of Real AI
In this episode, Hall welcomes Travis Farese of Real AI. Before founding Real AI, Travis had a previous career in oil and gas services with an engineering and business degree. Travis and partners then founded a services company, which they…
Investor Connect – Episode 171 – Ben Bennett of Omnitude
Hall is joined by Ben Bennett, COO of Omnitude. Ben’s background has always been in the commercial side of businesses – anything from telesales, field sales, product sales, all the way through to more strategic and development roles in business. He…
Investor Connect – Episode 170 – Douglas Raggio of Bias and Blind Spots
Hall is joined by Douglas Raggio of Bias and Blind Spots. Before joining the VC world, Doug’s background was mostly consumer products and services. After college he worked for publicity firms. He then went from to high end consumer goods (Bentley,…
Investor Connect – Episode 169 – Yash Thukral and Sam Yaffa of TRITON FUNDS LLC
Hall is joined by Yash Thukral and Sam Yaffa of TRITON FUNDS LLC. TRITON FUNDS LLC is the largest private student-managed investment fund in the nation. TRITON FUNDS provides students the invaluable opportunity to gain real-world experience investing…
Investor Connect – Episode 168 – Jason Cahill of McCune Capital
Hall is joined by Jason Cahill of McCune Capital. We kick off this episode learning about Jason’s background before he got into early stage investing and what led him there. Jason is an army veteran. He spent seven years of active duty from 1997…
Investor Connect – Episode 167 – Matthew Jordan of Limitless Crypto Investments
Hall is joined by Matthew Jordan of Limitless Crypto Investments. Before entering the crypto space, Matthews background was developing healthcare solutions for doctors and patients. He purchased his first Bitcoin in 2013 unsure of the technology and…
Investor Connect – Episode 166 (Part 2) – William Santana Li of Knightscope
In the second part of a three-part interview, Hall is joined by William Santana Li of Knightscope. Bill is a seasoned entrepreneur, intrapreneur and former corporate executive at Ford Motor Company. He was founder and COO of GreenLeaf, which became…
Investor Connect – Episode 166 (Part 1) – William Santana Li of Knightscope
In the first episode in a three-part series, Hall is joined by William Santana Li of Knightscope. We kick off the episode learning about Bill’s past before joining Knightscope. Bill is a seasoned entrepreneur, intrapreneur and former corporate…
Investor Connect – Episode 165 – Aaron Michaels of 1984 Ventures
In this episode, we are joined by Aaron Michaels of 1984 Ventures. Hall and Aaron kick of this episode learning about Aarons background before investing in early stage companies. Aaron has seen both sides of investing both from the startup angle as…
Investor Connect – Episode 164 – Christian Kameir of Sustany Capital
Hall is joined by Christian Kameir of Sustany Capital. Hall and Christian kick off this episode diving into Christians background before investing in early stage companies. Starting in the 80’s with computer programming, Christian is a technologist…
Investor Connect – Episode 163 – David Mes of OTG Ventures
In this episode, Hall interviews David Mes of Off the Grid Ventures. OTG focuses on early-stage investment in ‘off the grid’ entrepreneurs – women and foreign founders – specializing in B-to-B technology companies.
Investor Connect – Episode 162 – Paul McNeal of CryptoMarket 360
In this episode, Hall interviews Paul McNeal of cryptomarket360, a one-stop shop for cryptocurrency information. Paul talks about his varied background before coming to the crypto space. He and Hall talk about the state of investing in blockchain, and…
Investor Connect – Episode 161 – Andrey Voronkov of Voronkov Ventures
In this episode, Hall interviews Andrey Voronkov of Voronkov Ventures. Voronkov Ventures is an investment and consulting company working in the field of blockchain and cryptocurrencies, and provides services on ICO analytics, investment and…
Investor Connect – Episode 160 – Tim Enneking of Digital Capital Management
In this episode, Hall interviews Tim Enneking, Director of Digital Capital Management. DCM focuses on managing investment portfolios of digital currencies and related assets through fund structures designed for investment by US and Non-US high net…
Investor Connect – Episode 159 – Brett King of Moven
In this episode, Hall interviews Brett King of Moven. Brett and Hall discuss some of the fintech challenges that startups can pursue, including the growth of mobile payments, and how the bank branch model is being disrupted by startups that can…
Investor Connect – Episode 158 – Eric Bahn of Hustle Fund
In this episode, Hall interviews Eric Bahn of Hustle Fund. Before his start in early stage investing, Brett worked in technology in Silicon Valley, as a founder, and as a product manager at Facebook and Instagram. Brett talks about his start as an…
Investor Connect – Episode 157 – Allan May of Life Science Angels
Hall is joined by Allan May of Life Science Angels. Hall and Allan kick off this episode talking about Allens journey into angel investing that he began in 1997. They speak about Life Science Angels approach to investing in both the wet and dry…
Investor Connect – Episode 156 – Sarah E Brown of Power to the Startup People
Hall is joined by Sarah E Brown, author of Power to the Startup People. Sarah is the Director of Content Marketing at BuildingConnected, the leading cloud-based pre construction bidding platform that enables owners, general contractors and…
Investor Connect – Episode 155 – Michael Berolzheimer of Bee Partners
Hall is joined by Michael Berolzheimer of Bee Partners. Bee Partners was founded in 2008 by Michael, a Haas MBA with undergraduate degrees in business and computer science. A youthful angel investment in Bear Naked Granola led the way to venture….
Investor Connect – Episode 154 – Michael Smerklo of Next Coast Ventures
Hall is joined by Michael Smerklo, co founder and managing director of Next Coast Ventures. Hall and Michael kickoff this episode learning about Michaels background before investing in early stage companies. Michaels background includes being a CPA…
Investor Connect – Episode 153 – Brent Martin of InFocus Brands
In this episode, Hall interviews Brent Martin, who manages Revenue Growth opportunities at In Focus Brands, a brand agency, business management consultancy, and capital funding firm focused on executing strategies that launch and accelerate client’s…
Investor Connect – Episode 152 – Brenda Irwin of Relentless Pursuit Partners
In this episode, Hall interviews Brenda Irwin of Relentless Pursuit Partners. Brenda talks about her start in healthcare venture funding in Canada in drug development, diagnostics, and biotech companies. Brenda now runs Relentless Pursuit Partners,…
Investor Connect – Episode 151 – Michael Noel of Blockchain Weekly
Hall is joined by Michael Noel of Blockchain Weekly. In this episode, you learn about Michael’s background before entering the blockchain space. Michael also shares his views on the state of Investing in blockchain and how the industry is currently…
Investor Connect – Episode 150 – Eric Desai of Greenhouse Capital Partners
In this episode Hall is joined by Eric Desai of Greenhouse Capital Partners. We start out this episode learning how Eric got into early stage investing. Eric joined Greenhouse Capital Partners over four years ago when he found there was a gap in the…
Investor Connect – Episode 149 – Duke Rohlen of Ajax Health
In this episode Hall is joined by Duke Rohlen of Ajax Health. The interview starts off with Duke speaking about how he got into early stage investing for over the last fifteen years. He got into this space between his love for innovation, technology…
Investor Connect – Episode 148- Wayne Wu of VMG Partners
In this episode Hall is joined by Wayne Wu of VMG Partners. We kick off this episode learning about Waynes background before VMG Partners. Wayne offers his advice on entering the CPG space as an angel or VC who has not been previously. He speaks about…
Investor Connect – Episode 147- Anish Sheth
In this episode Hall is joined by Anish Sheth. Anish started his career as finance lawyer before jumping into the CPG space. He decided to follow his passion and started a healthy snack food company called World Peas based out of Austin. He…
Investor Connect – Episode 146 – Michael Gord and Rasheed ElHindi of MLG Blockchain
In this episode, Hall T. Martin is joined by both Michael Gord and Rasheed El-Hindi of MLG Blockchain. MLG Blockchain is a global consulting and development firm that builds solutions using blockchains and smart contract technology. We are…
Investor Connect – Episode 145 – Lisette Tellez of Ocean Azul Partners
Hall T. Martin is joined by Lisette Tellez of Ocean Azul Partners. In this episode, Lisette speaks about the Dorm Room Fund, a student run venture fund that invested in student startups. The Dorm Room Fund invested in twelve student run startups per…
Investor Connect – Episode 144 – Matthew Sullivan of QuantmRE
Hall T. Martin is joined by Matthew Sullivan of QuantmRE. The interview begins with Matthew speaking about his background before engaging in the blockchain sector. Matthew has been involved in technology and finance since the late 90’s when the…