Robert Bell helms the 80-plus strong team at 86 400, driven with the commitment to building a genuine alternative to the big four banks as well as a passion for technology. Bell has two decades of extensive leadership experience in financial services across Australia and Asia Pacific, most recently as general manager of product and service at Cuscal. Prior to the digital bank, he was CEO of Big Sky Building Society & Australian Unity Banking, and held multiple senior leadership roles at ANZ, including as CEO at both ANZ Japan and ANZ Fiji. 86 400 was granted its banking licence in July 2019, about a year after its public launch. When asked whether Australia really needed another bank to add to the plethora already out there, Bell told Mortgage Professional Australia, “Not if it’s going to be the same as every other bank. But a bank that looks different, behaves differently, provides different products and services and offers a better customer experience, all while being digital – that’s a bank Australia needs.” Under his leadership 86 400 was named Fintech Lender of the Year at the 2020 Australian Mortgage Awards.