We built MAKE because banking wasn't built for you
We're rebuilding traditional banking foundations from the ground up. For creators, influencers, entrepreneurs and the businesses that support them, who deserve banking built around how they earn.
We built MAKE because banking wasn't built for you
We're rebuilding traditional banking foundations from the ground up. For creators, influencers, entrepreneurs and the businesses that support them, who deserve banking built around how they earn.
The financial system wasn't built for the way you earn
Modern earners are generating real income across multiple streams in multiple currencies around the world. Yet the financial system they rely on was designed decades ago for a workforce that looked completely different.
The result is friction. Delays getting paid. Accounts closed without warning. Transfers that take days. Fees with no explanation. A system that treats unconventional income as a problem to be managed rather than a reality to be served.
We saw this firsthand, from both sides of the table. And we decided to do something about it.
Modern earners are generating real income across multiple streams in multiple currencies around the world. Yet the financial system they rely on was designed decades ago for a workforce that looked completely different.
The result is friction. Delays getting paid. Accounts closed without warning. Transfers that take days. Fees with no explanation. A system that treats unconventional income as a problem to be managed rather than a reality to be served.
We saw this firsthand, from both sides of the table. And we decided to do something about it.
Built by people who knew banking could do better
We're a team with deep roots in both banking and the modern economy. Between us, we've built and grown financial institutions managing tens of billions in assets, led technology infrastructure for some of the world's largest platforms, and built software used by thousands of businesses that support creators globally. We understand how the current system works and exactly where it fails.
We're a team with deep roots in both banking and the modern economy. Between us, we've built and grown financial institutions managing tens of billions in assets, led technology infrastructure for some of the world's largest platforms, and built software used by thousands of businesses that support creators globally. We understand how the current system works and exactly where it fails.
A few things we stand by
01
Your income deserves to be taken seriously
Your income deserves to be taken seriously. Regardless of how you earn or which platform your money comes from, you deserve fast access, clear fees and a banking platform that works with you.
02
Transparency isn't a feature. It's a baseline
We're clear about how we operate, how we make money and what you can expect from us. No fine print surprises, no sudden changes without notice.
03
Banking should reduce stress, not add to it
We're built to be straightforward. Simple onboarding, clear processes and support that actually helps. Because modern earners have enough to manage without their bank making it harder.
Built for modern earners and the businesses behind them
MAKE is built around two groups whose modern earnings need modern banking solutions
MAKE is built around two groups whose modern earnings need modern banking solutions
Modern earners
Independent professionals earning across platforms, currencies and borders. Whether your income comes from content, performance or any combination of the two, MAKE is built around the reality of how you earn and how you need your money to move.
Businesses that support creators
The teams managing, supporting and growing creator careers. You need tools that handle payroll, revenue splits and multi-currency payments at the pace your clients expect. MAKE gives you the infrastructure to operate like the business you are.
The people building MAKE
We come from traditional banking, fintech and the creator economy. That combination is the point.
We come from traditional banking, fintech and the creator economy. That combination is the point.
Fran Turner
Executive Chairman & CEO
Fran started MAKE with a conviction that's driven everything since: legacy financial systems are fundamentally misaligned with how modern earners earn and manage their money.
He brings over two decades of institutional banking experience to that conviction. As CSO, CFO and interim President at Banc of California, he oversaw more than $17 billion in assets and led teams of more than 3,000 people, growing the bank's market capitalization more than threefold during his tenure. Before that, he held senior roles at Banc of California, The Bancorp Bank, Bank of America and Robertson Stephens, among others.
At MAKE, he's channeling that institutional background into building a banking platform that actually works for the people traditional banking has left behind.
Ismael Peinado
CTO
Ismael has spent over 30 years building technology infrastructure for some of the world's most demanding environments, from high-security government organizations to high-growth startups handling hundreds of millions in transactions.
He served as CTO at Toptal, one of the world's largest tech freelance networks, and as CTO at The Bancorp Bank, where he and Fran first built something together. He's also the co-founder of Blue4, a distributed multimedia system still actively deployed in aerospace and entertainment.
At MAKE, he's responsible for building the secure, scalable and reliable platform that modern earners can trust.
Joanna Li
Product Lead
Joanna has spent over 7 years working across digital banking, payments and financial markets, and is part of a new generation of women in STEM redefining what modern banking looks like and who it serves. She led the mobile banking experience at Capital One Canada, putting smarter, faster financial tools in the hands of millions of customers, and spent nearly four years in institutional trading, gaining a firsthand understanding of how money moves globally and where it gets stuck. A University of Toronto Engineering graduate, she brings a customer-centric design sensibility and sharp commercial instinct honed across some of North America's leading financial institutions.
At MAKE, she leads the build and development of our banking platform, guided by a simple belief: everyone deserves banking that works for them.
Fran Turner
Executive Chairman & CEOFran started MAKE with a conviction that's driven everything since: legacy financial systems are fundamentally misaligned with how modern earners earn and manage their money.
He brings over two decades of institutional banking experience to that conviction. As CSO, CFO and interim President at Banc of California, he oversaw more than $17 billion in assets and led teams of more than 3,000 people, growing the bank's market capitalization more than threefold during his tenure. Before that, he held senior roles at Banc of California, The Bancorp Bank, Bank of America and Robertson Stephens, among others.
At MAKE, he's channeling that institutional background into building a banking platform that actually works for the people traditional banking has left behind.
Ismael Peinado
CTOIsmael has spent over 30 years building technology infrastructure for some of the world's most demanding environments, from high-security government organizations to high-growth startups handling hundreds of millions in transactions.
He served as CTO at Toptal, one of the world's largest tech freelance networks, and as CTO at The Bancorp Bank, where he and Fran first built something together. He's also the co-founder of Blue4, a distributed multimedia system still actively deployed in aerospace and entertainment.
At MAKE, he's responsible for building the secure, scalable and reliable platform that modern earners can trust.
Joanna Li
Product LeadJoanna has spent over 7 years working across digital banking, payments and financial markets, and is part of a new generation of women in STEM redefining what modern banking looks like and who it serves. She led the mobile banking experience at Capital One Canada, putting smarter, faster financial tools in the hands of millions of customers, and spent nearly four years in institutional trading, gaining a firsthand understanding of how money moves globally and where it gets stuck. A University of Toronto Engineering graduate, she brings a customer-centric design sensibility and sharp commercial instinct honed across some of North America's leading financial institutions.
At MAKE, she leads the build and development of our banking platform, guided by a simple belief: everyone deserves banking that works for them.
James Hogg
Director Private BankingJames brings extensive experience in high-value account management and premium client relationships, including senior roles at Ticketmaster across UFC, Caesars Casino and Cirque du Soleil. At MAKE, he leads our private banking service, working directly with creators and businesses who need a more hands-on, personalized approach to their finances.