"When we founded The Bancorp [in 2000], we sat down as a board and said, 'You know, with the Internet, banking is going to change.' You could see it already," Cohen says.

The Bancorp's Unusual Model Invites Industry Challenges, Scrutiny

Under CEO Betsy Cohen, The Bancorp is plugging alternative financial services upstarts into the banking system. But a regulatory hiccup could hinder growth.

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