"I don't blame you if you're like a few of my colleagues who think I'm a bit insane to leave one of the world's most admired tech companies for a bank," he says in a blog post announcing his departure. "But what you might not understand is that there are few spaces as ripe for technology and human-inspired re-imagination as how people relate to their money." Makoski is cagey about what projects he'll be working on at Capital One, which has been steadily adapting its working practices to accommodate new thinking in digital design and iteration.

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