Despite revenues climbing more than 4% in 2019, Capital One’s earnings fell nearly 8% from the previous year. But chairman and CEO Richard Fairbank stood by the McLean, Va.-based bank’s “solid results” and pointed to his company’s investment in digital transformation—a point of emphasis for many financial institutions these days as the fintech revolution redefines consumers’ relationship with their banks. “As the many benefits from our technology transformation continue and increase, we are well positioned to succeed in a rapidly changing marketplace,” Fairbank said.