Our Team

Luther Branham

Co-Founder and Managing Partner
Luther is a proven, results-oriented builder of innovative organizations in the financial services and technology industries. He held senior positions with top banking brands, including BankOne, Chase, and USAA, with expertise in product/risk management, credit/lending, and banking technology. Luther then became a successful entrepreneur. His most recent fintech, iLendx, provided small banks and credit unions with digital lending and account opening technology. iLendx was bought by Fiserv, where Luther led the digital lending and origination product team before co-founding ACT. ​Luther also spent 20-plus years in the community lending space. He served as a board member and market president for LiftFund, the largest US micro lender, and is now board chair of Austin-based PeopleFund. 

Robert Kraft

Co-Founder and Chief Technology Officer
Rob is an entrepreneur with a success record in cloud system architecture, system security, and data management. He has applied his deep experience in full-scale product development, consulting, and build modes across multiple industries including banking, financial services, cybersecurity, and nonprofit sectors. Rob co-founded and served as Chief Information Security Officer / Chief Architect for iLendx, a fintech that provided digital lending and account opening technology for small banks and credit unions. After iLendx was sold to Fiserv, Rob served as CTO of Fiserv’s digital lending and origination team before co-founding ACT.

John Card

Business Development
John is an accomplished management executive with a track record driving profitable organic growth and new market development. After launching his career in banking, John embarked on a successful executive career with TransUnion, where he led several product sales teams. He is deeply skilled in all aspects of credit decisioning, as well as in digital acquisition, risk management, and compliance. John provided subject matter expertise, including business development, to iLendx, a fintech co-founded by ACT’s Luther Branham and Rob Kraft. iLendx was later sold to Fiserv.

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