When Higher One was founded, we agreed that as long as we still believed that there is a way to succeed, the business still had a chance at success. No matter what happened, how dreary the outlook, we committed to our belief that there is a way to succeed; and we kept working together to find innovative ways to get there. "There is a way" means:

We strive for excellence in execution. This means that we channel a great amount of effort toward a small list of value-oriented objectives.

We are honest and straightforward about our goals and objectives; and we have the courage to pursue them. We demonstrate honest and ethical behavior in all dealings with customers, clients, colleagues, suppliers, partners, investors and governments.

We believe that the achievements of any organization are the result of the combined effort of each individual. The combined effort of a team produces results greater than the sum of individual efforts.

We strive to balance the human and business needs in every internal and external customer interaction. We recognize that exceptional internal service is a necessary foundation for exceptional external service.

We value all thoughtful opinions, suggestions, solutions and questions. Within Higher One, we give candid, constructive and direct feedback.

We are both thoughtful and creative in our approach to problem-solving.