Mr. Cowan is the Chief Technology Officer at Salt Lending. Phillip is an industry recognized leading blockchain application developer and systems engineer. He has over seventeen years of experience in application architecture development and design solutions. Prior to acting as Chief Executive Officer of Ideas By Nature, he spent seven years as a web application developer and graphic designer at LSDi Consulting, Wombat Interactive and ASAP, Inc. He holds a bachelor’s degree from the Rocky Mountain College of Art and Design.