Our Mission

Driving financial inclusion and economic growth by harnessing the power of open banking and behavioral analytics

Our leadership team and advisory board has over 160 years of combined payment and credit decisioning experience working with C-level Executives in Lenders, Retailers, FinTechs, and Banks in the United States and abroad.  

Shawn Princell

President / CEO

Steven Thompson

Chief Data Scientist

Rick Fiorito

Chief Operating Officer

Ian Pacey

Chief Technology Officer

Greg Senne, AAP

VP, UX & Platform

Eric VonDohlen

Member, Board of Directors

Amber Copeland

Director, Customer Success

Advisory Board

Carl Spilker

Kenny Douglas

James Ray


In November 2020, Cash Flow Solutions and Transaction Science joined forces to create RIBBIT, an AI-enabled FinTech firm empowering financial services with better data and superior outcomes.

Why the frog?​

Cash Flow Solutions was created in 1998 as an innovative provider of electronic payments for merchants nationwide. The essence of the electronic process is easy: money is debited from one bank account and credited into another. Our staff used the term debit and credit so frequenty, it started to become a chant… “DebIT”… “CredIT”… Soon the chant turned into a croak and our frog Obie was hatched. We quickly become known in the payments industry as The Frog Company.