IBT Apps is a pioneer at the forefront of technology in the financial services industry. We develop our product suite in-house and are governed by the needs and desires of our clients.
Our executive board has decades of expertise in both banking and software. They are fully involved in the day-to-day business operations and product development to ensure your bank has the products and services it needs to grow and serve the communities you live in.
CTO | Co-founder
Chuck Capel is the CTO and one of the co-founders of IBT Apps. With over 30 years of industry experience, he is responsible for significant movement in the banking technology space. Prior to developing the IBT Core platform, Chuck developed a banking core accounting system, PC BancPac, now owned and marketed by Fidelity (FIS) under the name “BancPac.” Currently, Chuck divides his time between two of the IBT Apps offices, Denver and Cedar Park, overseeing the product management team and the continuous development of products within the i2Suite Platform.
As CEO of IBT Apps, Mark Dittman is setting a new standard for how core processing behaves in the Financial Services industry. He understands the need to adjust to the various nuances of technology, and he knows that it starts with IBT Apps. As a business expert with over 30 years of experience in the financial technology space, Mark specializes in developing strategic partnerships with both clients and partners, while also simultaneously building the IBT brand as the head of Sales, Marketing, and Human Resources. Mark is thoughtful of industry issues and stays proactive by participating on several community-service and business boards in the local Austin area. He is also an active member of industry associations, including ICBA.
Executive Director of Software Development
Joel Kunze is the Executive Director of Software Development at IBT Apps. As head of the Software Development team at the Cedar Park office, he takes a hands-on approach by partnering with the Product Management team to deliver product offerings and enhancements in the i2OLB digital banking suite. Before joining IBT in 2004, Mr. Kunze spent more than 20 years in software development at NCR in San Antonio, Texas and 8 years in applied research at the Naval Research Laboratory.
COO | Co-founder
Mike Shubert is the COO and one of the co-founders of IBT Apps. With over 25 years of experience in the banking industry, he oversees the continuous development of the Operations and Implementations teams. In his role, he provides the leadership, management and vision necessary to ensure that the company has the proper operational controls and people systems in place to effectively grow the organization and to ensure financial strength and operating efficiency. Mike graduated with a Bachelor’s Degree in CIS and Accounting from Tarleton State University.
Director of Compliance & Human Resources
With 20 years of experience in the banking industry, Kristy works alongside our board members to ensure our company is compliant with all regulatory and compliance related items. This includes ensuring our company is current with regulatory guidelines, internal compliance, and that vendor relations are prioritized. As the liaison for all employee relations, Kristy implements the culture, systems and training that develop key qualities needed amongst our staff. Her focus on improving internal processes and building an environment at IBT Apps that encourages employee retention and advancement, contributes to the culture and values within our company.
Vice President of Sales
Joe Hensley is the Vice President of Sales at IBT Apps and leads the selling of Core Processing, Digital Banking, and Payment Solutions. Joe is a professional sales leader with over 20 years experience in selling cutting-edge technology solutions and is passionate about working closely with businesses to provide custom solutions that improve workflow and maximize ROI. Joe resides in the Austin area and engages with local industry networking groups, associations and community service projects.
Before joining IBT Apps, Michael Korthuis spent over 20 years as a senior manager in IT for several financial service organizations. His broad experience in banking processes and data management provide a valuable IT perspective, enabling him to surmount the technological demands placed on a full-service data center. As CIO, he is responsible for advancing, troubleshooting, and providing the security infrastructure that enables IBT Apps to operate its internal business. Michael graduated Cum Laude from Ball State University with a Bachelor of Science degree. He is also a graduate of IBA School of Bank Operations at Vanderbilt University and has a Masters degree in Information Systems Management from Keller Graduate School of Management where he graduated with Distinction.
Vice President of Business Development
Phil Layher has over 25 years of management experience working in the financial industry for large retail credit card sectors, FinTech start-ups, and early stage growth companies. As an accomplished leader in numerous executive, business development, and account management roles, Phil led client-focused teams to develop and build relationships for major brands like The Home Depot, Sears, and Sony. Most notably, Phil launched a specialty finance company from the ground up and grew it to over $75 million in receivables. At IBT Apps, Phil joins the sales and account management team in their mission to continue offering excellent customer service and support. In his role, Phil is responsible for managing new and existing client relationships and exploring opportunities for business growth. He graduated with a bachelor’s degree in business from Montana State University and currently resides in the Austin area.
Director of Marketing
As the Director of Marketing, Megan Luna progresses and manages the IBT Apps brand through various social media outlets, and external marketing campaigns. Before advancing her career in Marketing, Megan spent 8 years in retail sales management and traveled as a district trainer for well-known companies such as Starbucks, Pier 1 imports, and Macy’s. Her experience in business and people management brings a positive vibe to IBT Apps, where she collaborates with the HR department and executive team to keep the culture at IBT Apps growing and innovative.