What does a zero carbon, climate-focused community bank look like? FinTech Futures spoke to Climate First Bank's founder, Ken LaRoe, and CTO, Marcio deOliveira, about the US entrant's ethos, technology, and plans, including its mixed views on fintechs. The climate crisis is only too apparent in Climate First Bank’s home state of Florida, with the threat of ever increasing storms and super-charged hurricanes, sea level rises, and record-breaking heat days, among other climate impacts. The bank claims to have been carbon neutral since day one, commits to never investing in extractive industries, and makes every decision through the lens of achieving Drawdown.