ecosystem / people / mike-gardner
Mike Gardner on the TechTO & TechVancouver stages

Mike Gardner

Owner, Property Fox

FintechVancouverOn TechTO & TechVancouver stages since 2016

Mike Gardner ran Agreement Express, the Vancouver fintech whose onboarding software was used by Visa, Canadian banks and wealth firms. He grew it on its own capital, and its assets were sold off in December 2022. He now owns Property Fox, a mortgage-broker software company, leads a Vancouver peer group for Giant Leap, and teaches entrepreneurship at UBC.

On the TechTO & TechVancouver stages ×3

First seen on the TechTO & TechVancouver stages in 2016. Every talk is searchable — ask the archive about Mike

In their words

We've done that profitably. We've enjoyed approximately a 43% compound annual growth rate for the last five years, and we've done that with our own capital, not with venture capital — no offense to the VCs in the room.

TechTO Monthly, Dec 2016 · watch at 1:18

Elon Musk says the first humans will arrive on Mars in 2025. And I say: by 2025, banks will be able to switch their systems in the same day. Only one of those is believable — and unfortunately, it's not mine.

TechTO Monthly, Aug 2017 · watch at 2:21

This isn't our clients' fault. This isn't the fault of the organizations buying our technology. This is our fault as technology designers. We take a lazy design approach, and we end up designing technology that requires a waterfall implementation methodology.

TechTO Monthly, Aug 2017 · watch at 3:44

anything during that first start up period will can absolutely kill you it is the running out of potatoes it's the weather issue it's anything that might happen anything can kill you

TechVancouver, Sep 2016 · watch at 03:49

if you made a list of everything that could possibly kill you you will just curl up in a little ball all the CrossFit in the world isn't going to save you

TechVancouver, Sep 2016 · watch at 08:23

I have about 12 hours to come up with $25,000 or I can't make payroll

TechVancouver, Sep 2016 · watch at 09:15
A few quotes can’t cover everything Mike said on the TechTO & TechVancouver stages. 1,600+ talks are searchable.Ask about Mike

Quick answers

What is Mike Gardner known for?

Leading Agreement Express, the Vancouver company that automated onboarding for banks, insurers, payment companies and wealth managers. He told the TechTO stage in 2016 that it had grown about 43% a year for five years on its own capital, with more than 40% of its customers in the Fortune 500.

What happened to Agreement Express?

Its assets were split and sold in December 2022. Advisor360° took the wealth-management onboarding technology and NMI took the payments business. It no longer operates as an independent company.

What does Mike Gardner do now?

He owns Property Fox, a Vancouver software company for Canadian mortgage brokers, is principal of the consulting firm Currentii Advisors, leads a Vancouver peer-mentoring group for Giant Leap, and teaches entrepreneurship in the masters program at UBC.

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Maintained by TechTO · facts sourced and dated · last reviewed Aug 17, 2026