# Gary Lewis Evans

> Gary Lewis Evans is the co-founder and founding president and CEO of Bank of Internet USA, the bank now known as Axos Bank. A banker since 1971 and former president of La Jolla Bank, he co-authored The Financial Institutions Internet Sourcebook and continues to publish research and offer advisory work through DFIN, with a focus on banking automation, AI and payments.

- **Role:** Principal, DFIN; banking technology consultant and advisor
- **Organizations:** DFIN, Axos Bank (formerly Bank of Internet USA; co-founder and former executive), BofI Holding, Inc. (now Axos Financial, Inc.; former executive), La Jolla Bank (former president), Paymency (founder), CyberCatch (former director and audit committee chair)
- **Education:** Associate degree, Pierce Junior College, Bachelor of Science in Business Administration, California State University, Northridge, Master of Science in Finance, California State University, Northridge
- **Known for:** Co-founded Bank of Internet USA and served as its founding president and CEO., Led BofI during its March 2005 public offering, which raised $31.3 million net., Co-authored the 1997 McGraw-Hill book The Financial Institutions Internet Sourcebook.

## Career timeline

- **1971** — Began his banking career, according to his own professional accounts.
- **1988-1996** — President of La Jolla Bank from June 1988 to June 1996.
- **1994** — Began internet-banking work at La Jolla Bank, according to his account.
- **1996** — Founded the internet consulting and research business DFIN.
- **1997** — Co-authored The Financial Institutions Internet Sourcebook with Kenneth J. Thygerson.
- **2000** — Bank of Internet USA opened July 4; Evans was founding president and CEO.
- **2004** — Joined BofI Holding’s board in April and became holding-company president and CEO in October.
- **2005** — BofI completed its Nasdaq IPO in March using a Dutch auction.
- **2007** — Gregory Garrabrants succeeded him as CEO in October; Evans remained bank president and COO.
- **2008** — Resigned from the BofI board to pursue other directorships.
- **2010-2011** — President and CEO of Palm Desert National Bank, per his professional biography.
- **2017** — Submitted Paymency comments to the OCC on fintech charters.
- **2018** — Submitted a Federal Reserve letter proposing a payments charter.
- **2023** — CyberCatch shareholder circular identified him as director and audit committee chair.
- **2026** — LinkedIn lists a July article on intuition and AI; DFIN continues publishing on banking automation.

## Achievements

- Co-founded Bank of Internet USA and served as its founding president and CEO.
- Led BofI during its March 2005 public offering, which raised $31.3 million net.
- Co-authored the 1997 McGraw-Hill book The Financial Institutions Internet Sourcebook.
- Helped develop early internet banking at La Jolla Bank.
- Participated in the Federal Reserve Faster Payments Taskforce, according to his 2018 comment letter.

## Latest updates

- **2026-07** — LinkedIn lists his article The Intuition Renaissance — And Why AI Makes It Urgent, published July 31, 2026.

## Links

- Website: https://www.dfin.com/
- LinkedIn: https://www.linkedin.com/in/garyevans/

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Profile page: https://yespress.io/gary-lewis-evans
Published by YesPress — https://yespress.io
Last updated: 2026-10-26