Richard Smith serves as a co-founder of TranzactCard, an innovative banking and e-commerce operation headquartered in Provo, Utah. His entrepreneurial odyssey began at Utah Valley University, "Richard T. Smith has generated over a billion dollars in sales revenue over thirty-three years in the marketing industry. Richard’s genius is understanding how to customize the marketing and presentation of a unique product or service to appeal to each individual consumer.As Chairman of the Board of TZT Richard recognizes the unique opportunity to exemplify the ethics and energy of customer acquisition and satisfaction in the FINTech/Banking sector. "