Solutions
Consumer & Commercial Solutions
Ready to thrive in your markets?
From experienced leadership to built-in flexibility, Ratoon is here to sow the seeds of a solid foundation for success.
Accounts & Cards
Everything debit or credit, under a single BIN Sponsorship program.
Regulatory Oversight Expertise
We focus on oversight and flexibility, so you can focus on successfully building your business.
Payment Rails
Tap into our seamless Visa®, Mastercard®, and ACH payment networks.
Issuing Partner
Whether debit or credit, get access to the product your customers need and want.
Grow With Us
Sow
Launch your vision with a partner who has the flexibility to align with your needs.
Client-First
We believe supporting you
starts with knowing you.
Built-In Flexibility
In FinTech, there’s no one-size-fits-all approach.
Whether you’re focused on debit or credit, we
built in the flexibility to choose what's best for
your business and customers.
Compliance Oversight
We’ll help you navigate the complexities
of financial regulations.
Grow
Your success is ours. That’s why we scale alongside you, cultivating long-term success.
Scalable Services
Our solutions are built to scale and enable
your growth — so you can continue acquiring
new customers over time with ease.
Risk Management
As you grow, so does your regulatory risk.
Gain peace of mind knowing we’ll continue
to provide the support needed to navigate
the ever-changing regulatory landscape.
Thrive
As your success accelerates, we stay rooted in your goals — helping you reach even greater heights.
Expand with Ease
Efficiently expand your target markets
or add new features and benefits.
Industry Expertise
FinTech is evolving as fast as the tech that
powers it. Get ahead (and stay there) with
our continued guidance.
Rely On Us
We’re more than your banking partner.
We’re your competitive advantage.
Why Ratoon
ra·toon [rə'tōōn]: noun; a new shoot or sprout springing from the base of a crop plant.
True to the definition of "ratoon," our mission is to be the sound, compliant base on which our FinTech partners' competitive, innovative products and services can thrive. We are committed to supporting the growth and expansion of the Banking industry through our dedication to comprehensive, compliant, and efficient oversight of all programs issued through Focus Bank.
Kayla Jones joined Focus Bank in August 2022 as the Chief FinTech Banking Officer. Since the start of her Banking career in 2006 (after starting with Focus as a part-time teller), Kayla has held positions in branch management, mortgage lending, and fintech banking divisions at several community financial institutions. Kayla holds a Bachelor’s degree from Maryville University in St. Louis.
As the Chief FinTech Banking Officer, Kayla is committed to building lasting relationships with our fintech partners by walking hand-in-hand with you to understand the culture of your organization, establish sound and compliant practices tailored to your business model, and cheer on the success of your thriving program well after the initial launch. Kayla and the Ratoon team are proud to bring the personal, tailored feel of community banking together with the speed and efficiency of the fintech space to offer best-in-class sponsorship opportunities to our partners.
Devon Secoy joined the FOCUS Bank team in 1999 and began her banking career as a teller/personal banker. During her 24+ years in banking at FOCUS, Devon has served as Head Teller, Director of Human Resources, Wire Administrator and Director of Operations. In February 2023, she accepted the position of Vice President, FinTech Operations Director. Prior to her full-time banking career, Devon obtained a Bachelor of Science degree from Southeast Missouri State University.
As a community banker, Devon understands what it means to be active and participate in local service and philanthropic organizations. She currently acts as Secretary of the East Prairie Missouri Chamber of Commerce as well as Treasurer for the Bootheel Regional Women’s Show. Along with Kayla and the Ratoon staff, Devon brings a wealth of knowledge and expertise in banking operations including: deposit operations, electronic banking, ACH, Disputes and card services.
Aug 14
2023
VenCent Summit
Little Rock, AR
August 14 - 15, 2023
BRIDGING THE FUTURE OF BANKING AND FINTECH
Learn what’s next in fintech and digital transformation. Join The Venture Center at VenCent Fintech Summit - an exclusive event that brings together bank industry leaders, innovators, and influencers from around the world for two days of live demos and unlimited networking.
Learn more here.
Oct 22
2023
Money 20/20
Las Vegas, NV
October 22 - 25, 2023
Where Money Does Business
Money20/20 USA is the world’s biggest, most influential gathering of the global money ecosystem.
From in-depth analytics to inspirational speakers, leaders walk away with business-critical insights and new connections that helps them stay ahead – powering strategies, relationships, and innovation.
Money20/20 promises the clearest and most distinctive focus on what’s next across the world of money including banks, payments, tech, startups, retail, fintech, financial services, policy, and more.
Learn more here.
Mar 3
2024
Fintech Meetup
Las Vegas, NV
March 3-6, 2024
What makes Fintech Meetup different?
Fintech Meetup is the future of fintech events.
Our team has founded and operated leading industry events for over a decade...we've taken the best of what we've done before to an entirely new level!
- Tech-enabled connections and collaboration that will blow you away!
- An unprecedented network of co-located events
- First-class, five-star experience
- Speakers and content that check every box
- The best value for money and highest ROI
Our groundbreaking event technology makes it easy to meet new people, discover new organizations, and create incredible opportunities! Let us do the work...our magical technology will facilitate 45,000+ meetings and connections across every use case. Serendipity may be great, but it's way more powerful when it's engineered! You get real results and measurable ROI.
Learn more here
Ratoon Launch
07/21/2022
FOCUS Bank is pleased to announce the creation of Ratoon, a FinTech banking division.
Read More