Listen in as we kick off with a provocative conversation on LinkedIn's unexpected foray into gaming—what does this mean for professional networking and could it reshape company culture? Then, we tackle Ben McCarthy's insightful article on the shifting Salesforce job market. As layoffs sweep through the industry, we reflect on the increasing need for specialization and the importance of realistic salary expectations.

From there we scrutinize the burgeoning buy now, pay later trend, dissecting its potential to disrupt traditional lending practices. We even ponder the future of AI, comparing leading models like ChatGPT and Perplexity AI, and highlighting their citation features and how various Generative AI platforms stack up. We also ponder the influence of AI on our daily workflows and innovative realm of wearable AI technology.

(14:11) Shift in Salesforce Job Market

(27:14) Skills and Strategies for Career Success

(33:16) Buy Now, Pay Later Impact

(43:34) Exploring Perplexity AI Tool Subscriptions

(53:56) Advanced AI Wearable Technology Discussion

(01:02:57) Discussion on Technology Costs and Upcoming Conferences

00:03 - Eric Cook (Co-host)

Coming off of one of the banking school programs today, we talked about compliance and risk and regs and there was a little bit of a section on buy and now pay later, whether or not it really constitutes a loan. Because then, if it does, at the banking level, you've got truth on lending disclosures and you've got interest charges and you've got other sorts of things. I know you said that you saved $50 or so in interest as a result of that. At the end of the day, there's something buried in all buy and now pay later that somebody is paying for it. Either the merchant's giving up a percentage and they're selling that device to you and taking a cut, or somehow and that's where truth and lending and other sorts of concerns are is it's not being transparent to the consumer because you think, oh, six payments, no interest, but they're not calling it interest, but you're still paying for it and they're making revenue off of you. It's just being mislabeled.

01:17 - Fred Cadena (Host)

Hello listeners and welcome to Banking on Disruption. I'm Fred Cadena. Once again, travel has conspired against us, so we don't have a main interview segment this episode, but don't worry, we have a fantastic Quick Takes Roundtable for you. We start off by discussing LinkedIn's plan to add gaming to their platform. We delve into a recent Salesforce Ben article that heralded the end of an era for easy Salesforce jobs. We'll separate the reality from the hyperbole. Then we discuss buy now pay later programs and how American Express, Chase and Citi have topped other buy now pay later fintechs like Affirm and Klarna in a recent JD Power Survey. And finally, we discuss the differences between OpenAI's, chat, GPT, Anthropics, Clawed and Perplexity, as well as the future of AI hardware. Here's a hint more devices are on the way.

02:10

While you're listening to this podcast, why not take a moment to follow us on LinkedIn at the Banking on Disruption podcast, and on Instagram at at Banking on Disruption Now? Sit back and strap in, because our show is coming to you right now. All right, and we're back. Welcome to this episode's Quick Takes this week. First one to start off, Eric, I know you share something with us around LinkedIn and adding gaming. I'd love to hear more about that.

02:39 - Eric Cook (Co-host)

Yeah, because everybody needs to have more of a distraction in their online life, and I'm a big fan of LinkedIn. I spend a lot of time, as I know you guys do as well. It's a great place for networking just lots of ways to build your brand and to establish yourself as a subject matter expert and to meet new people and all the wonderful things that go on with that. But TechCrunch is where I saw this initially. Actually, I think I caught a reference of TechCrunch on LinkedIn saying that the professional networking platform is planning on introducing gaming to its service. They've got three games that they have said are coming. This has been verified by LinkedIn Queens Inference and Cross Climb.

03:29

I don't ask me what they mean or what they do. I'm not sure. It said unlocking fun deep in relationships, spark opportunity. I can't remember the platform, but you used to be able to play a game with somebody, maybe on Facebook, where you could go in and you could battle them in tic-tac-toe or do a one-on-one kind of thing. I do remember that. Yeah, it was cool. For a little while you expected to screw off over on Facebook because it's not the professional social networking platform.

04:04

I don't want to sound like an old fuddy duddy and go. I need LinkedIn to stay professional because I think there's room for personality. But I'm also curious. They tried stories and that didn't work. I'm thinking gaming is even more out there than stories, but I don't know. We'll see. The last item that I caught was something to the effect of, and companies somehow will benefit from employees exhibiting skill sets in games. That will help companies almost like a company score. Salesforce is at the top of the heap because all of the Salesforce employees that are playing games are really good at it. I don't know if that's something that a company wants to promote. Our employees spend a lot of time playing games and they're really good at it.

04:59 - Josh Matthews (Co-host)

I took that differently when I read the article. Eric, I think it's a neat article and it's a neat idea that they're doing. But I took it more like companies can compete internally so that you can have a great you know, just something else to cross collaborate with other people when you're not on Slack with them regularly, certainly not in the office with them regularly. It's just another way to be like oh crap, james has got me beat. He's number two in the company, I'm number five. I got to whatever play inference, get my inference game.

05:34 - Eric Cook (Co-host)

Get my inference going on yeah.

05:37 - Josh Matthews (Co-host)

They also. I'm a big LinkedIn guy, just like you, right Like I've been on, I think I was like right around the millionth subscriber. There's over 700 million subscribers now.

05:45 - Fred Cadena (Host)

Did you get a cake or something?

05:47 - Josh Matthews (Co-host)

No, I didn't get a cake. I mean I don't know, they put a little star next to my name or something crap like that. I don't know what it is like Super User or something like that, and I spent a lot of money with them. I mean, I probably spend 20 grand a year. You know, they from my company to them, something like that, at least that.

06:03

So, as far as like integrating gaming, one of the things they cited was what you brought up, which was Facebook, and Facebook canceled it. They got rid of it. They did tried gaming for a little while and they're like, yeah, let's get rid of this because let's focus on meta and multiverse universe, something verse stuff. But it makes sense. I mean, the company is owned by Microsoft. I don't know about you, but I've got an Xbox in my house. I mean these guys are monsters in the gaming industry and I think that there's been a lot of revenue from New York times with their puzzle gaming platform. And, for the record, I am a puzzle freak Like I. Not jigsaws, although I'll do them, but I do puzzles every day. I do three puzzles every day. You know whether it's Wordle and Sudoku and two or three other things. Right, Bumble, some bumblebee or bee spell spelling bee.

06:54 - Fred Cadena (Host)

I think bumble is something completely different.

06:57 - Eric Cook (Co-host)

Yeah, I think I'm thinking, but we'll edit that out Post. Yeah, thank you.

07:03 - Josh Matthews (Co-host)

So yeah, it's definitely not. It's definitely not bumble, it's spelling bee. Look like a bumblebee.

07:09

There, you go yeah, be filling bee connections, wordle, crossword. So I knock out that stuff every day and I love it. But that's for my own. You know there are a lot of these apps where you can rate yourself against other people or you can play, you know, scrabble against your aunt, uncle or like whatever you want to do. Like it doesn't matter, I'm not, I'm not into that. Like, if I'm doing a game, I'm doing it by myself. If I do well and I generally do pretty well I have no desire. Like, if you don't do well, you don't want anyone to see it, and if you do well, you don't want to brag. So for me, for my personality, it's not really a good. Social aspect of puzzles is not really a good fit. So I don't know what they're gonna do with it. Whatever, who cares?

07:49 - Fred Cadena (Host)

I'll, I'll, I'll be the contrarian here. I think is the dumbest idea I've ever heard. You know, linkedin air to your point has a history of rolling things out Kind of half ass, investing in them and then pulling them back, I think you know. Second maybe to being acquired by microsoft, this is the second dumbest thing that linkedin is ever rolled out. I can't understand how it overlaps with what's otherwise generating revenue for the, for the, for the platform. I'm assuming josh money to spending is for linkedin premium. And forget all the different jury job post linkedin recruiter.

08:31 - Josh Matthews (Co-host)

I'm a sales navigator guy.

08:34 - Fred Cadena (Host)

So I just I just can't see how this is gonna help with with revenue generation, I imagine. Maybe they think it'll make people spend more time on the platform.

08:42 - Josh Matthews (Co-host)

Yeah, that's all. It is right, like the long, like. That's why there's always this warning if you someone post something and there's a link, it's like you're leaving the platform, are you sure?

08:53

You know, it's like, I'm like I wanna watch a show on prime, I wanna watch a show on max and it's like are you sure you wanna leave? It's pretty sure I wanna leave. Just get me out of here. I think it's time. On the platform they've already got seven hundred million subscribers, so if they can get everyone to spend an extra ten minutes a week, I mean it's you know, we're talking hundreds of millions of hours that more people are on automatically just for that one little thing. And then they get to roll ads, and then they're gonna get more metrics to like our engineers smarter than other people. They're gonna get a lot of data off of this stuff.

09:28 - Fred Cadena (Host)

Name? I don't know. I am curious. I know you do a lot of digital stuff outside like marketing stuff. I have usually found that some of the worst ad placements are ad placements in in games, because people that are playing games that are ad supported just wanna get back to the game and they, they want the ad to show up the little timer countdown so they can click the x and get back to the game as quickly as possible. Get through it. It might, it might make people more, you know, spend more time on the platform. I don't think it's gonna drive more engagement. I don't think it's gonna drive more Meaningful clicks. I, I, I again just think it's a bad idea all around I'm hoping that they do the data play that they.

10:12 - Eric Cook (Co-host)

They have some. We're gonna do this for six months. We're gonna put it out there, we're gonna put some games. I think the power of game based learning theory and gamification Is is one that you know, cuz when I originally read this I was like, oh, they're gonna figure out a way to gamify linkedin learning and they're gonna have some sort of a way where you can learn stuff and then Compete against your friends and cuz.

10:34

I know the platform out there called lemonade lxp that has a game based learning for the banking and financial industry, where you jump in and, by answering questions and going through learning exercises understanding Regulatory requirements and bank policies and procedures, you can answer and points. Those points turn into virtual money. Virtual money build your, your, your bank, so it's like a farm bill. But then you grow the size of your office and you compete against your employees, but ultimately the game functionality is Tricking you probably not the right word, but it's getting you to want to learn, because there's that competitive nature where you wanna crush your Hello coworkers and build the biggest branch office.

11:23

That you can only do by answering questions, which come as a result of learning the things that we need to understand the banking industry. That I didn't see, but I'm hoping that somewhere there's gonna be some data they can pull out of this Cuz I think that even though stories didn't survive, I think they hopefully got some stuff out of it which ultimately maybe led them to decide you know, maybe, maybe. Audio is where we need to be, and now we've got an audio solution audio only and it's like a clubhouse, and so I'm hoping they're just throwing it against the wall to see if it sticks. But it's Also a lot of effort to throw something against the wall.

12:03 - Fred Cadena (Host)

Well, maybe they, maybe. This is about the deprecated facebook game code base and they're plugging it in maybe they're just banking on, not disruption.

12:12 - Josh Matthews (Co-host)

maybe they're banking on podcasters talking about the gaming and then yeah, that that's.

12:18 - Fred Cadena (Host)

That's what they're doing that's probably what it is. Yeah, I guess, I guess we're doing we're doing our part to drive it that direction.

12:26 - Josh Matthews (Co-host)

It's stupid. Now you know you think about. It's like, first of all, how many people are doing crossword on their computer versus on their phone.

12:34 - Fred Cadena (Host)

Yeah, well, I imagine these games are gonna be available in mobile and not just a desktop.

12:39 - Eric Cook (Co-host)

I would, I would hope yeah right the screenshots I saw where Look they look like and again they were very cryptic in what they were and what answers. There was a prize based game I may still even be out there that reveal the series of answers and then you could chime in and then, if you got the answer right, you ended up. It was viral. The name escapes me, not prize pool, but something along those lines. One of the screenshots had two answers revealed and like the longer you wait, the more answers get revealed and then if you get the wrong answer, you get kicked out. And then everybody that basically got to the end of the Ten part question process got a piece of the money, pie or something. I think I won thirty cents one time is pretty awesome.

13:28 - Josh Matthews (Co-host)

There you go, says says very good getting done or by the minute.

13:34 - Eric Cook (Co-host)

We talk to you yeah, what, what, what?

13:37 - Fred Cadena (Host)

maybe they'll. Maybe they'll put up like a sales force quiz, you know, ten questions, fifteen questions, and then whoever gets the highest score gets a job. That might be the yeah. That might be the next way to go.

13:51 - Josh Matthews (Co-host)

You have to use them. We'll have to protect it from proxy answering, because that's people who want to, so so called, win the job right.

14:01 - Fred Cadena (Host)

That is true. It actually makes a pretty good segue. And, josh, we talked about this on your podcast earlier this week or Last week, I think. Now, now that I mean comes to it. But you brought up on your show an article that benn mccarthy wrote on sales force ban, titled the end of an era for quote easy sales force jobs. I think this just kind of goes into a lot of the you know kind of trends. I think we've noticed that job markets tightening. You know it's hard. You know a lot of people out looking. You know salaries seem to be, you know, a little bit down for what people are expecting during coven. I don't want to steal all the thunder, but you want to kind of start by giving your perspective and we can kind of get into a little bit.

14:46 - Josh Matthews (Co-host)

Yeah, I think it's a very good article and you can. You can find it pretty easily. Just go to sales force band and they produce a lot of articles. You have to scroll back a little bit or you can find the link. You can go to josh I think it's josh matthews, josh matthews, you know for slash josh matthews on Link then and scroll down a few posts and you'll find it or just go to benn mccarthy.

15:08

So look, he's not wrong. In fact I thought he was spot on all eight of his primary points that he was making in this article. That there's one been a shift in the sales force job market, that's true. When did the shift occur? Well, probably late. Two thousand twenty two, you know when they made the decision to lay off ten thousand people.

15:28

There are any signs of economic Challenges with inflation. This is also sort of around when you the ukraine conflict started to kick off. So there are a lot of these things that were affecting the economy and consequently, demand went down. It went down so much because people were concerned about overspending that they stopped hiring and then, when those businesses were struggling, they had to do lay off. So there's more people in the market, in the sales force job market. It doesn't mean that they're the best people, are necessarily the people that you want to hire. There are those, maybe ten percent of them, but most companies, when there's a lay off let's say there's a ten percent lay off cross the board for all sales force professionals. Do you think it's the top ten percent of professionals that are the ones getting laid off?

16:16 - Fred Cadena (Host)

Usually not usually not.

16:17 - Josh Matthews (Co-host)

It might not even be the most expensive people, but it's generally the most easily replaced. Like who can they Take? Whatever work they're doing, they have to do that work. So it's this weird formula of who can take over this. You gotta see, you gotta team of ten people and there's a, there's a leader, and you know five people have been there for five years and three people for two years and two people for one year. While you get rid of the leader and you get rid of three of the bottom, most junior people, you keep. Everyone else who had that leader for three years knows what's expected of them. Now you don't need the leader. Everyone reports in to whomever and it's just everything's shortened. So basically, what's happening right now is the recommendation is be specialized and be the best at what you do. Otherwise you are going to face some challenges.

17:08

I was talking to a fella today about the ecosystem and what we noticed. Like if you go to Indeed right now and type in Salesforce, there are less than 30,000 jobs on Indeed with the word Salesforce in the title right, it used to be a thousand new jobs a day. That was two years ago, two and a half years ago, two years ago. Okay, so now it's it's 30,000, that's total. That's total across Indeed. So it's like 90 days or more. So the job ads have been cut by by two-thirds less and then you have more people on the street, right, so there's less need for job ads and job postings.

17:47

People know people. All my cousin got laid off, all my friend got laid off. Oh, they're really good, you should hire them, whatever. So, yeah, it's. Uh, it is the end of an era. I don't think it will come back like that again. Something of plus you can only sell Salesforce so many times. Like that's another challenge, like people have their teams, it's. It's not like there's this massive rush for companies to get on Salesforce the way that it used to be.

18:12 - Fred Cadena (Host)

Yeah, no, you're, I think you're a bigger spot on. I mean, I you know taking outside of the conversation, like senior, you know consulting leadership type people. But you know people that are more you know in the weeds, fingers to keyboard Salesforce professionals. I know two broad kinds that are currently, you know, out of work and and and not not progressing. There are other people that are brand new. You know they got sold on.

18:42

You know you can go out, take some trail ahead, get your cert and get a $80,000 job or worse yet, take this boot camp, spend three grand and at the end of it you'll get an $80,000 job and it's just not that easy. Or there are people that are mid to senior professionals that just have an outside idea of what they're worth. You know they're. They're looking back on the, the three to five years in the rear view, where you could move and get a 20 percent, 25 jump every year, two years, and they're wondering why that doesn't work anymore. Yeah, um, but if you're to your point, if you're, if you're good, if you, if you know your stuff, if you're, if you have a reasonable expectation of what the compensation level is for your role, there's jobs out there. There's a lot of jobs out there and I think you know that that's kind of my, my perspective on the matter. I know, eric, you're not a you're not a sales force guy, but no.

19:42 - Eric Cook (Co-host)

I'm not. I was thinking of a prior discussion we had. I don't know if it was last time of the time before that, but taking the word sales force out of the title, is it an in an area? End of an era for easy jobs?

19:58 - Josh Matthews (Co-host)

yes for tech yeah, yes, I know all this stuff right now. I've done a lot of research into it recently. So, right now, out of 10 out of 10 industries, like when you think of like where's the demand? Right? So sales and digital marketing tops the list, followed by engineering, and then construction, and then professional services, which is so broad it should barely be a segment finance and accountancy, and then technology technology is the last right out of those top 10.

20:29

I mean note that we're not including retail workers and part-time McDonald's, you know part-time fast food workers and laborers on here, right? So there's like tech is changing constantly. There's always going to be a demand there. There's. It just always is right. But because it changes quickly and fluctuates very fast, the need to be able to adapt and and change lanes quickly is really important. That's why, you know, if you look at my competitors, my competitors I run the salesforce recruiter comm most my competitors it's sales force and aws, or sales force and oracle and sebel or something like that like they have multiple lines. I'll still cloud stuff, but multiple lines just to spread the risk yeah which isn't a bad idea.

21:20

We've recently added snowflake. That's a tiny little thing but still cool. Little service, maybe a thousand candidates. So you know there's. There are these like little mini markets that we might see grow and emerge. You know, we never know what a snowflake is going to be down the road, anymore than I knew what salesforce was when I first turned it on in 99. Like we just don't know. I will say this and then I'll shut up for a little bit.

21:43

But two pieces of advice for people in the seco system who are, who are listening to this podcast and, and it's this look, if you're a job, if you're a job seeker and you're working, my strong recommendation is find a look, but do your best to do your best at your current job. Be the last person standing right. I mean if, even if there's some like real sweet buyout or something like that, like, take heed, three months, six months, nothing's going to change in six months, nothing's changing before the election, right, so you're in for another seven or eight months, some sort of challenge here in the job market? I think this is what I think in in the specific market. So if you've got a good job, keep it. If you're prone to complaining, stop it. If you don't like your boss, get over it. If you don't like what you're asked to do, do it anyway. Look, life's not necessarily easy. You have to do the things that you don't like to do. I'm only successful because I do things I hate doing. Fred, you're successful because you do things that you hate doing. Right, it's people's willingness to go through difficult stuff that helps them to be successful. So don't be a softy. Suck it up butter cup, keep your job and only look a little bit and wait, wait till 25. That's what I would do now.

22:54

On the flip side of that are the people who are looking to hire. You're looking around, you post an ad and all of a sudden you've got 200 applicants and you might think like that's some sort of windfall and in, there is definitely going to be. You know, your top 10 percent pro like everything, except probably not like the people who are applying to jobs are typically not top 10 percent people. Those people, generally, if they get a job someone called them like me, got to them, enticed them yeah, pulled them away. It's rare that those people are applying.

23:25

So don't think that you're going to get a great team or build an amazing team out of everyone's leftovers and I truly don't mean offense here. There are amazing people on the street looking for work right now. There are. Okay, I'm not talking about you guys, I'm talking about the other 90 percent of the people who are not your, 99 percent of people who aren't working right now, who are anywhere from horrible hires to average hires. That's the majority. So you can find average on the street, no problem. Can you find top performers for like a good value? No, no, you can't. You still going to need some help vetting them and ensuring that you've got the right people.

24:06 - Fred Cadena (Host)

So that's that's my advice in this ecosystem right now yeah, I mean, I definitely think on the on the job seeker side now, now more than ever, I've always been a big fan of like figuring out where you're going to land before you jump, but now more than ever you should really you know, figure out where you're going to land before you jump, because you know the the landing spots are fewer and and more far between.

24:30 - Eric Cook (Co-host)

Eric, I think there was something you're gonna say from the banking perspective a minute ago well, I just feel like I need to do a bunch of push-ups after hearing Josh's rub a little dirt on it and get back to the game, so I'm gonna step away for a minute if I come back breathing heavy.

24:43 - Fred Cadena (Host)

You know that.

24:45 - Eric Cook (Co-host)

I knocked him out. I don't know if it was banking related per se, but as Josh was talking, I was also thinking about. You know the importance of your skill set. You know if you are not also, yeah, you got a great job and you're killing it, but you have to be paying attention to where everything is headed. And you know the Gretzky, you know skate where the puck's gonna be, not where it's at right now. Where, where do you see your job in the next year?

25:12

And I know we talk a lot about AI and technology and culture and shift and all that.

25:18

26:31 - Fred Cadena (Host)

So so, eric, on the on the banking side, and then Josh, I'm gonna ask you the same question for Salesforce. What are those like? What would you say are the top three? Things like, what are the top three sharpening stones that you would reach for to keep your axe sharp right now, from a banking perspective?

26:47 - Eric Cook (Co-host)

27:39

But working with all the vendors and the partners that are out there to try to understand the flow, to say, okay, something good happened, why? Why did it happen? Was it dumb luck? Was it because of an ad? Was it because of an event or an activity or something that we did? How do we attribute positivity or negativity or Non-tivity? I just invented a word there, you know. And how do we do that? So that's probably one. And then the AI and I hate to say understand AI but think deeper around the business objectives of what it is that you want to accomplish and then and then Develop or embrace a risk-based approach to that. Don't feel like you've got to boil the ocean, but pick one thing, understand it, risk it, look for ways that you can, you know, learn from it and then deploy that into other areas. So, just off the top of my head, those are three that pop out, and as soon as this podcast is done, I will have three more that I wish I would have said.

28:43 - Josh Matthews (Co-host)

There we go.

28:44 - Fred Cadena (Host)

Josh, what do you think?

28:45 - Josh Matthews (Co-host)

Yeah, I'm gonna echo Eric on the AI I particularly on how the how generative AI can help support someone with just the daily functions of their job. So if that means, go, get you know the GPT for administrators book or the GPT for developers Salesforce developers book and just pound through some, some cool sections so that when you are Articulating your skill set and why you should be chosen and selected over your competitors, the other candidates, you can talk about Efficiency in a massive way. Right, it's more bang for your buck per hour. You know. You simply produce more like. You want to do well in the world, produce more per hour than other people. That's it like. It's really not. It you can get, you can break it down and you can make it really complex, but the people who are paid the most in the world are the people who have brought the most value to the most people. That's how it works. You want to make more. You must add more value to more people, or Do that? You know, provide a certain amount of value in a specific time frame, a year, an hour, a monthly salary, like whatever happens to be. So definitely AI for one.

29:55

The other thing is I'm going to, I'm going to riff off what Vanessa Grant, my co-host, shares Frequently, which is okay, you got your first cert, great, go get a CSM, go get, go get a. Go become a certified scrum master. Like learn agile, learn how projects are done, learn how to manage it, have some influence, have some understanding in these agile environments when you walk into them. If you don't have it, go get some right. But having that CSM, I think first of all it helps to. It helps to future-proof you a little bit, because that's not going away, right, it's not like an agile is used in so many different tech tech stacks in general and even non-tech. So that's a. There's a real skill skill set there that I think will work for you long-term okay.

30:44

Third one, I would personally say your communication skills. I I think that, look, if, if you're doing your job and you know what you need to do and you want to get better, yeah, go do all that stuff. But the difference maker when it comes down To someone making a decision if I'm gonna pick between Eric and Fred here, you know, for a job, if, if Fred Doesn't have a certain skill set, that Eric has doesn't mean Eric gets the job, because if Fred can demonstrate that he can learn anything. He talks about how he learns, he dem. He proves that he's gone out and learned things on his own and can demonstrate that capacity for Self-reflection, accountability and proactivity. I, like that personality is gonna win all day long, eric. So you, you've got a few things you need to work on, okay.

31:37 - Eric Cook (Co-host)

I thought you're gonna boil it down to hairstyle and see which one.

31:43 - Fred Cadena (Host)

No, I love all of those. I think I think you guys are both spot-on. I only think I really add on to it In one thing I was surprised, josh, when you mentioned Vanessa. You didn't reference was business analysis, and really kind of my mantra that it's always More difficult to understand the right thing to build, to understand the right process to put in place, that it is to actually put the process in place or build it out on some piece of technology and like really learning the best practices of a business analysis, of looking at business process, of optimizing and creating efficiencies, I Think is up as a skill set that benefits on on both sides of the house.

32:23 - Josh Matthews (Co-host)

I agree, I think you could go BA or CSM, like either. It's all good stuff.

32:27 - Fred Cadena (Host)

Yeah, it is all good stuff. Well, I want to switch games a little bit here and talk about something a little bit more square in the in the banking space. I was surprised. Early this week I read on the financial brand a JD power report summary, that Some of the traditional credit card issuers are winning on the buy now, pay later satisfaction rankings and basically in some it came out and said that American Express is number one, chase is number two, city number three, paypal, which is arguably a solo fintech or not, we can debate that and those four are beating the pants off of Clarina, a firm after pay, and some of the the hot fintechs in buy now, pay later now say I've.

33:16

I've been in a firm user almost since they launched. I'm always a fan of Keeping my money and my bank account earning interest as long as possible, as long as I can get free access to somebody else's money. Is that what you bought your Peloton with it? Is it? I don't have a Peloton, but it is what I bought one of my Expensive super automatic coffee machines with. Was was in a firm.

33:39

I think it was a six-pay Over six months, no interest, and so I got it a couple years ago, interest rates were still fairly not as high as they are now, but probably saved me or earned me maybe 40 or $50 in interest over that six months and in Money that I didn't have to spend out of my pocket. I'm also a big chase guy. I've got a chase sapphire reserve and I have used to chase my plan. To be completely honest, I only really used it because I wanted to see how it worked. They didn't necessarily use it because I planned to purchase around it, but I'm curious, like if you guys played around with buy now, pay later at all, have you, you know, use any of these platforms? And what do you guys read into this, this satisfaction survey?

34:23 - Josh Matthews (Co-host)

Look, I've never used it because Whatever just pay for the thing I don't want to. I don't want to finance $40 a month for the next four months. That's just sounds stupid.

34:33 - Eric Cook (Co-host)

You don't want to buy the next sweatshirt with four easy payments of $12. Yeah, I just got my a nice watch.

34:41 - Josh Matthews (Co-host)

It wasn't cheap. It was none of Rolex, but it wasn't cheap. But it it's like, yeah, I could have Financed it for six months. Like why in the world would I do that? That's just another thing that I have to look at on my bank account every month and be like what boat was that? What the hell is that Like? Can you imagine if this is how you purchase things for your life? It's like having a credit card. That is all. It's like having 50 credit cards, you know? Yeah, I wouldn't like it. Yeah, it's not really my thing.

35:10 - Eric Cook (Co-host)

The reality is.

35:11 - Josh Matthews (Co-host)

I mean I, I like Mx. I'm an Mx member since the 80s, believe it or not, and yeah, right, no, for real, it's like old. I think my dad took a card out in my name or some shit like that. So you know, like, yeah, great company, like they're great, but anything else. I think I have a lot of input.

35:32 - Eric Cook (Co-host)

Yeah, we've. We've had some banks. Take a look at the, the Quillo platform, which you know was is really targeted at being more of a partnership based approach on Financial institutions to help them get into that without necessarily having to do it yourself. You don't have to put it on your balance sheet and you know you can kind of leverage that. We introduced it to a handful of community banks that got excited, but that's. Smaller banks had that. You know they had a hard time getting over it. You know well.

36:07

Why wouldn't you if you needed that? Why wouldn't you just get a loan? Why don't you just put it on a credit card? Why wouldn't you then feel is worth the risk and coming off of one of the banking school programs today we talked about compliance and risk and regs and there was a little bit of a section on by now pay later and you know whether or not it really constitutes a loan.

36:28

Because then, if it does, at the banking level, you've got truth on lending Disclosures and you've got interest charges and you've got other sorts of things, and I know you said that you saved 50 or so dollars in interest as a result of that.

36:46

It's at the end of the day, there's something buried in all by now pay later that Somebody is paying for it, either the merchants giving up a percentage and they're selling that device to you and taking a cut, or somehow and that's where truth and lending and other sorts of concerns are is it's not being transparent to the consumer because you think, oh, six payments, no interest, but they're not calling it interest, but you're still paying for it and they're making revenue off of you.

37:14

It's just being mislabeled. So I think there's still some scrutiny from the regulator or Side of things looking at this, trying to figure out exactly what really is going on. But I think a MX runs, that I think I've seen them even at the Walmart when I walk in, or it's a Walmart product Brought to you by MX. You know and I harken back to my days at Kmart and the layaway program and you know there is a segment we never did the layaway, what a lot of people did and and pay overtime and then eventually you get all your gifts for Christmas and that's. People need to do that and I mean the.

37:55 - Fred Cadena (Host)

The nice thing about the buy now, pay later, is you get your stuff up front. You have to wait exactly. Walk the way martin go.

38:02 - Eric Cook (Co-host)

Oh, my stuff's behind that counter and I want it now, but I can't get it for another six payments.

38:07 - Fred Cadena (Host)

Mm-hmm, and, and this and this may or may not be some of why the some of the traditional lenders are Scoring higher is some of the. You know they've sorted through some of the regulatory uncertainty, like I won't speak to how amex and does it. I do have a chase card, I do have a city card, I've tried it on both and and both of them require you to have a traditional credit card and it basically just takes the purchase you pick, a purchase you want. It puts it on a special kind of payment plan you know in in chase's In case you have to pay. You know a fee unless there's a special promotion, but you pay, like I know, 1% or something of what the purchase was and it goes on this special program and it's it's like a special Payment plan, like every time, anytime you get promotional interest. So I think they figured out that kind of regulatory framework. I'm sure a lot of it is being funded with interchange fees and that kind of stuff as well. But I think that you know it's pretty seamless, you, you, you can go and log into chase, that he's the same way.

39:15

Look at any, any of your statements and kind of pick, if it's eligible, it has to be over a certain amount. You can pick. You know, this one, this one, this one, do it. It's pretty seamless. You know, josh, to your point, the affirmed stuff, the clarinus stuff, is a little bit more overhead, right. Like you know, I've done both affirm and clarinus and I like doing it just because I like keeping on top of different fintech offerings and and you have to go set up.

39:42

You know a separate. You know payment. You know if you miss the payment you get some kind of a fee, just like you do if you miss any other kind of payment, and I imagine that part of it is. You know chase and American Express have rolled the customer support and the fraud and everything else into their existing card programs. You know affirm and these other ones are having to start up from from nothing. They didn't have a customer service, they didn't have a fraud, they didn't have a dispute and, uh, I did have one case when I actually had a problem. That coffee machine was not cheap, it was, it was a few thousand dollars and the first one that I bought actually arrived broken and I had to go through, uh, like a refund and it was. It was a bit of a hassle. It was a lot more difficult to do that with with a firm. Then it was to do it if I just put it on my chase card. So I think I think there's some things to work out there.

40:36

I do think though and and I realize you know I don't have, you know I I typically don't have to plan those types of purchases. I know a lot of people do and I love the product as as flexibility, I love the fact that it puts Pressure on more traditional companies to innovate. I will say I don't know. Again, I won't know about American Express. I'm not. I haven't been in America Express car holder for a while, but I can tell you that neither chase nor city had to buy now pay later program until after a firm in carna and some of these others were well in the market. So I do love that they are pushing banks towards being more innovative.

41:12 - Josh Matthews (Co-host)

And I would say, I'll tell you one thing, that here's the thing. Who's the market for this? 20 somethings mostly, I mean.

41:19 - Fred Cadena (Host)

I don't know.

41:20 - Josh Matthews (Co-host)

I just think of like, okay, who has the least self-control? Who has the least self-control for purchasing decisions? Younger people, right, and who has the least money? Younger people. And so the thing that I don't like about it is that it's absolutely designed to make a lot of money, not a little bit. Make a lot of money by playing to the Impulsivity and lack of planning and lack of funds that young people have, and it sets them up to Enough of them to fail that it will be an extremely profitable business. It's only profitable by the failure of the people's ability to pay in a timely manner, right, and so I don't like that. It's specifically, does you know it's I'm, I, I'm not a bible guy, right, but beware the money, you know. You know he talks about the money lenders and not a very nice way, and and there's a reason for that, you know, because it can eventually Do anything from cause significant cause, moderate stress, load of moderate stress to significant depression and and ruin someone's finances. So I don't like that, and I just wanted to say that.

42:30 - Fred Cadena (Host)

Yeah, I mean I, I, I, I understand the sentiment. I've got to say, like I, I believe very strongly that Bank banking, providing access to funds, can be vital for a lot of people that are not able To make larger purchases. And I don't even necessarily mean you know homes and cars, but even you know if, if somebody's TV or major appliance or something goes out, a lot of people can't just go out and pay cash, or a lot of people can't write a check forward or put on a. You know, the alternative is what I'm going to put it on a credit card and pay 23%. Yeah, you know, until I pay it off, I like, I like adding it for flexibility. I think, like anything else, you have to use it responsibly. It does put some of the onus on on the, on the user, to still spend within their means, but I, I, I don't think it's a product that is designed To prey on people and and I think is designed to be profitable without outsized losses.

43:30 - Josh Matthews (Co-host)

I have no that was going to be my, that was that affirm that's my, that was my, that's my. Question is like if everyone always paid on time, would it still be an industry worth Building out?

43:40 - Fred Cadena (Host)

I mean my, my, my perspective is yes, having not worked at any of them.

43:44

Yeah but I know and again, I, I'm much more familiar with traditional payment space Banks, at least today, and and I know there's, there's always Laws and regulation looking at it make a ton of money off interchange fees. Yeah, chase does, does, does, does not offer the, the rewards it offers me on my card, because they're necessarily hoping other people don't pay it off they're, they're funding it on on three percent swipe fees, very right, and I, again, I'm not necessarily with with by now, pay later. I think you're right, eric, and that a lot of times it's the, the merchant that's, you know basically paying, you know paying the freight On on getting that access to that financing. But but they're making money even if you don't default, I mean they, they wouldn't keep I I've had maybe 10 or 12 of these over the last couple years they wouldn't keep offering them to me because I, I have a default and I didn't even get if it wasn't profitable. Right, yeah, it makes sense. Yep, good, cool, I know that I do like, I do like the topic, so we don't all necessarily see eye to eye.

44:45

I, I don't think the next one is going to be one of them, but I'd love to hear, eric, you got to attend and and I miss it. I don't know, josh, if you did the twitter conversation Yesterday, did before yesterday, on rabbit Yep and I. I started to listen to a replay. I got about 10, 50 minutes in, but I'd love to hear kind of what your takeaways were. I will tell you and the audience. I finally, finally this week, redeemed my perplexity credit. I am now a perplexity user of the, of the premium, the pro, whatever version it is Nice welcome.

45:22 - Eric Cook (Co-host)

I've been pretty impressed so far. Did did you get the handshake? Did they show the handshake? They did not share the handshake.

45:28 - Fred Cadena (Host)

Oh they probably want to see if I'm going to stick around. They they're probably waiting for me to cancel my, my anthropic and my open ai subscriptions. I I now have three.

45:39 - Josh Matthews (Co-host)

Do you like it? Do you like subscriptions anymore than?

45:42 - Fred Cadena (Host)

then you know, so I, I I do like it. One of the things I like the most about it is it provides citations. I'll say it's one of those things that I like the most in the least, because then I have to go clear all the citations out before I copy and paste it somewhere else, but I do like that. It shows me where it's getting stuff from. One of the things that I I sometimes like sometimes it frustrates me, but I generally like it Is if I give it something and it thinks it needs more information, it will come back and ask me like and then no, no secret to the audience here.

46:16

I mentioned a number of times before when we do show prep for these quick takes, I'll find articles, and, and so will Josh and Eric, and, and I will go in and I'll say hey, you know, chat gpt or hey, claude in the past summarizes article for me. I did it this week with complexity. You guys can see the summary in our prep doc. And each time it asked me like, it said for once and well, what's, what's the subject of this? And the other one said the net, really. One said what are the main themes? I'm like, literally, I just asked you to tell me what the main themes are.

46:48

So you know it's a little annoying, but I I have tried both like giving it what asked for and not, and it still works when I don't. But I think that additional prompting makes the responses better. The other thing I like about it is you can go in and if you really want to use you know open AI, you really want to use you know anthropics Claude, you can pick that as an option right in the perplexity. It does Limit how much of the Claude you can use. I think it's like 10 to day or something like that. But again, I'm about a weekend. So far I'm I'm I'm pretty pleased with it. I find myself going to it More frequently than I do.

47:26 - Eric Cook (Co-host)

Claude and open AI, now yeah all right, I I hit up perplexity as my primary search and research tool. I've used it Almost as a replacement for Google. Every once in a while if I'm looking for something specific and I know I can probably get to it faster with a google search because I'm looking for just one thing but I will go into perplexity. I don't prompt as intricately in perplexity as I do when I go into, like to a GPT or Claude and when I'm looking for content, creation or ideation or anything like that, but when I go into perplexity a lot of it is I have something that I need to research, I need some information. You know I started going there and using it almost as a back and forth guide when I'm doing presentations or just trying to come up with ideas for content or blog posts or articles and bouncing back and forth. That was one of the first platforms to provide citations. So you know when in the problem with some of the platforms is hallucinations and If the technology is bullshit and you and just making stuff sounds really good. We all have probably friends that do that every once in a while, but Some of them might be on this show right now. I'm not not pointing any fingers. But it does have that nice citation where it gives you the items To tell you where it got the information from, and so I do like that.

48:55

But you know, I've listened to a podcast. The show used to be the marketing show from marketing at a institute, and they suggested a few months ago to use perplexity replace Google. Don't go to Google anymore, just try it and see. And on their AI for writers show summit a couple of weeks ago, mike, he said that it is basically his go to now. He very rarely, ever ever goes to Google, which, as a digital marketer that also works with organizations on helping them build visibility through SEO and digital ads. That is the other side of the mouth that we're talking out of, because that is also a ginormous resident revenue stream for Google. So they're gonna have to figure that one out. Because of that dries up, people that have replaced their Google searching with perplexity as a very much in the minority, so it's not like Google is gonna dry up and go away anytime soon.

49:53 - Josh Matthews (Co-host)

Eric, let me. Let me ask you guys something real quick. So how, what do you guys set your defaults on perplexity? Like, do you have Dolly as the image creator? Are you using playground or whatever it is? Do you have, you know, gpt for turbo as your default? Like, I just signed up for it just now for paid subscription, based on what you guys were saying, yeah, and I'll give it a shot, but it's got these defaults. So, like, which model do you want? Right, experimental, gp, turbo, cloud three, cloud three, opus, cloud three, sonic? Like, do you guys just go with defaults and playground, version two, five, or are you going in there and picking different models within perplexity?

50:34 - Eric Cook (Co-host)

I've been you for me defaults. To be honest with you I've I've not gone in and done any sort of deeper level refinement just because I wanted to see what it was like out of the box and I've been very happy with it that way. I'm sure there's Switches and knobs that I could turn and flip. That would make it a little bit better, but default out of the box has done it for me. I'm curious what?

50:55 - Fred Cadena (Host)

you have to say, fred, yeah, so I have not done any image generation with it yet. I've only used it for the chat interface. I've kept it on the default, which I think is the perplexity pro. But I I have maybe 20% 25% of the time, not necessarily that I haven't liked, but some of the cases I haven't liked the response or I wanted to see what would come up somewhere else and so you can like on a one off basis, say okay, now go run it through Clod and see what happens. Now go run it through this other one and see what happens. So I do do that, yeah, maybe maybe 20% 25% of the time.

51:37 - Josh Matthews (Co-host)

What about plugins like GPT, for you can be like oh, I want a plug in. That is really good at writing a business plan, right, business plan writing plugin. Does it have that sort of add on?

51:47 - Fred Cadena (Host)

Not if it if it does, I haven't found it doesn't have a platform.

51:52 - Eric Cook (Co-host)

It doesn't have those like the custom GPT's you get open AI. It doesn't have that.

51:58 - Fred Cadena (Host)

No, and that's one of the reasons why I now have three paid subscriptions right and got the open AI. I've got the, the anthropic. I really like still the new cloud model that was released I think is really good. Yeah, and I have the, the perplexity.

52:13 - Josh Matthews (Co-host)

Okay, but is it? Is it Claude sonnet, or is it Claude the other one? Whatever that is, perplexity.

52:20 - Fred Cadena (Host)

Perplexity has both. It will throttle how much of the sonnet you get. I think it's like 10 a day what's the difference?

52:27 - Josh Matthews (Co-host)

and sonnet, just like the cloud for it's 3.5.

52:34 - Fred Cadena (Host)

Yeah, it's just. It's just a more sophisticated model got it okay, so I think sonnet was only released a few weeks ago yeah, they've got a lower level model, isn't that they're high coup? But yes, I could really the really lower, like you know, the really kind of quick, and you're a one. I'll kind of say there's a middle one I can't remember what that one's called and then I think it's not a little, and then opus is the most advanced opus is the most advanced. Opus is the most advanced, yeah, so.

53:04 - Eric Cook (Co-host)

Well, back to your original question, as it relates to the Twitter space that I was on. It was. It was titled the future of a hardware and this was all part of the little bunny rabbits that I talked to you guys into getting the R one from rabbit tech, and you can listen to the replay if you Visit rabbit underscore HMI over on X or Twitter, as we like to say, you can listen to the whole conversation. It went almost an hour and a half. Jesse Lou, who's their CEO, join. He was the one that did the demo that the internet fell in love with and, just you know, the best CEO demo since Steve Jobs. But they had the CEO for perplexity, which is baked into the R one.

53:56

They had the CEO for a platform called brilliant labs, which is a AI powered I'm debating about chunking down three hundred and twenty some bucks for those but an AI powered glass glasses that look really awesome, open sourced, and so he was on what are those coming? What's that? What are those coming? They're in pre order now. I don't know what the release time on those are, but brilliant labs is the name of that organization, so check those out. Really impressive heads up display, prescription, lens, capability, vision, ai integration, long battery life really, really cool and don't look anywhere near like what Google glass look like when they came out, so really impressive. But they were talking about the next.

54:47 - Josh Matthews (Co-host)

Lucid, yep, lucid, yeah, what's that? That was lucid.

54:51 - Eric Cook (Co-host)

I wear brilliant brilliant lab, brilliant, yeah, brilliant labs yeah, three, three, fifty. I'm on the site right now so any any over under on whether or not he pulls the trigger. See if they got by now, pay later. Maybe you can pay for it over over six months and put it right next to your coffee.

55:10 - Josh Matthews (Co-host)

Well, just a quick search. I had no idea there's so many of these things out now yeah so there's one called lucid l. You see why D that features chat GPT and there's a bunch of a man. I had no idea.

55:22 - Eric Cook (Co-host)

Yeah, the brilliant, and they were talking about the form factor. So the rabbit I want is the little device the orange looks like a, I guess the Yamaguchi Tamaguchi. The little like play. The device screen, but intentionally not your phone, not a replacement for your phone. The cameras not a camera designed to take selfies or pictures. The camera sufficient enough and pixel quality and capability to be able to use it for vision and for learning and for understanding the world around you, to be able to teach it to do things.

55:59

And the form factor of yes, you've got to have one more device that you carry with you, but whether it's this device that is with you, that's listening, that can do things, that can answer questions, it's basically your little digital assistant, without the junk and the clutter and the distraction that exists on your phone. They also talked about the AI pin, which is you know device that can basically be magnetized and put on your shirt and then the screen is projected under your hand. They talked about the brilliant labs. A lot of people already have to wear glasses. If you don't have to wear glasses and you want to put these on, the form factor is the least offensive and intrusive, because you've got them on. You don't have to Distract yourself and look at something else while somebody else is talking to you. It's the easiest way to be able to use it to capture information or to get details about the world around you.

56:57 - Josh Matthews (Co-host)

What's a real world example? I mean beyond like the goofy shit that they'll probably use in the ad, with someone strolling through Paris and saying you know what's this? Yeah, whatever it's like. Beyond all that goofy stuff, yeah, what's the practical you?

57:14 - Eric Cook (Co-host)

so I'll give you an example of one that I saw just on the Apple vision pro. Speaking of goofy, big ass devices that nobody's really gonna, but this is like the precursor of ultimately where Apple is gonna likely go. I saw a demonstration of a construction worker wearing the Apple vision pro and needed to determine how many cubic yards this gigantic pile of gravel was in the in the work yard. And so what he did is with this vision pro. He basically just walked around this pile. The vision pro was capturing a digital image of the actual pile, digitized it, created a 3D rendering and then utilized some advanced geometric calculations to give him a, I would suspect, relatively accurate rendering of how many cubic yards of gravel were sitting there in that pile. And how would they have known in a pre-visual analysis that's a construction worker? He had bright yellow vests, the construction hat, the worker boots and the jeans, but he had this piece of technology.

58:30

So you walk around with the glasses on or you walk around with this device that can listen and answer questions and do things the real-time translation, the ability for it to augment a conversation, to be a look at something and go. How much does that cost? Where can I buy it. Tell me more about that information. Is this flower poisonous?

58:53 - Josh Matthews (Co-host)

So is it rabbit, ai? Is it rabbit for your head, basically?

58:57 - Eric Cook (Co-host)

Yeah, it was kind of like that. Yeah, but they also both co-acknowledged that neither is trying to displace the other, that they were complementary. Well, just because I've got the glasses doesn't mean I don't need the rabbit, or just because they got the rabbit doesn't mean I don't need glasses.

59:16 - Josh Matthews (Co-host)

It was the Well, let's all agree, you don't need any of it. Well, you probably?

59:20 - Eric Cook (Co-host)

don't, nobody needs any of it, any of it, but.

59:22 - Fred Cadena (Host)

Well, do you, though? I mean the argument we're all making one way or the other? Is you need to keep up as an employee, as an employer, as a business owner, as a person with technology? How long before these things are just in everybody's hands, right?

59:45 - Eric Cook (Co-host)

But, I just look at the outside world. I talked to people when?

59:48 - Fred Cadena (Host)

Yeah, I talked to people when my phone came out. They're like oh, nobody needs a smartphone, I got my flip phone, I've got my computer, your smartphone, nobody needs that Now. Nobody would make that argument. I think these devices is more akin to that than I do. An Apple Watch, which I have and, quite frankly, stays on the charger about half the time. Yeah, yeah.

They did talk about the watch form factor and that's something that served a purpose to look at the time and it's really not the ideal element to be able to engage. It's just limited. The other example, and the rabbit folks, have been very elusive. Very rarely do you see them engage in or interact. They post a lot of stuff, there's a lot of content, but they're not really communicating very well with folks that want to be a fan.

And when I returned from social media marketing world, one of the things that I did when I was there is I used the Otter AI app, which I will sometimes use as a companion on a Zoom meeting to take meeting notes. I used the Otter companion app on my phone to listen to all of the sessions and record those, and then I was able to easily get a transcript that I could analyze. But I had to take it through a series of steps to do that. I saw a demo where Jesse pulled up, talked into it, had the little animated recorder kind of real to real old school magnetic tape recorder where the rabbit was listening to what was being said and then it took that, digested, it did an AI analysis and then gave an interpretation of what it just heard. So could we take that device, which is going to have greater storage capacity than glasses, or have to have a companion app on your phone to be able to?

But you've got a device now that can be a listening device, an analysis device, an in-cake device that has some sort of a large action, large language model baked into it. This also opens the door for what can that software, what can that technology do in other areas, in other types of devices, because now they're proving the concept that you can actually put something into a device. It can run locally. It can run running local Means. It's not storing to the cloud Means. It's not fewer security risks and other sorts of vulnerabilities that may exist with cloud storage and data going back and forth through the ether and I'm not doing the hour and 22 minutes justice by this, but if you're into this type of stuff, it was a really good conversation and it was also reassuring to find that even the technology CEOs for very sophisticated organizations get technically challenged and can't join a Twitter space, which I thought was kind of ironic. Hey, I'm coming.

There you go, hey, hey, hey, it may have been more platform, it may have been more platform.

It probably was more platform, I'm sure, but it's just nice to see that the gremlins don't just bite me in the butt, they're biting everybody equally. So what do you think? These are the question I want to know.

Color-wise. What's that? I'm kind of curious. What do you think these are going to cost? Which ones? What are you the, the brilliant labs? What are these products cost?

That's the 350. 350. 350. Yeah.

Yeah, which you know. I mean, I think the most expensive thing on the market right now is the Apple Vision Pro, and that's basically four grand all in, but you're literally wearing a MacBook Pro on your face. Yeah, your neck down to that.

I think it really gets you heavy yeah.

And then I think there's a few things that are in the $300 to $500 space. The only thing I've seen at the $100 mark or with $200, or we paid for the rabbit $199. That seems to be $199. $199. That seems to be the least expensive one I've seen so far, although what I want to know is do they tell us when we're going to get it, because I still haven't gotten any of it.

You know that did not come up. I was looking through the thread and waiting for people to ask when they're going to get it. He did acknowledge and when I heard this I was like I wonder what the next one's going to cost that this is very much first gen. So there is the expectation that this is going to be built, it's going to be released, and I hope it's not. Oh, in another three months the R2 comes out and it's even better. I'm hoping that it'll last at least a little while before it has to take its place on my shelf of discarded technology with my BlackBerry and my Palm Pilot and my PulsePan and all the other stuff.

And your last 12 iPhones that are sitting up there.

Those all got traded in, but I did get to keep some of my HelloMoto and some of my Droids, so I got those Very cool Well exciting, I'm excited.

I think I'm definitely going to check out the Brilliant. I'm going to finish listening to the Twitter space. I don't know. It's definitely an area that I use AI so much in my workflow in front of a computer that I'm excited to look at some of these devices. And I'll be honest, I have not found and I've got OpenAI and I've got Perplexity on my phone and I just don't find myself using them as much on the phone as I do on the desktop.

Oh, I love using it yeah, I don't use it at all.

I love using it on the phone, Absolutely love it. I have conversations when I'm driving back from events or usually when I travel someplace. It's at least probably four hours or more in the car, because everybody that we work with is.

Three hours to the next town, yeah.

So I had an idea that sparked my curiosity from a conversation with a group full of marketers in Indiana when I was down there for their marketing forum and on the way home, literally a 45-minute conversation with Chad GPT fleshing out the idea and the concept of the four piece of marketing as it relates to bank marketers and their inability to influence the first three and how the fourth one. And when I got back I had this just beautifully long transcript of my conversation and the back and forth that I could easily pull up on my desktop, move it over into Google Doc and now I'm starting to work on massaging and humanizing the content to be able to turn that into a legitimate article. But having that conversation back and forth was really really a powerful way of just ideating and coming up with an idea.

Yeah, it's great, it's both of the same.

But yes.

That's really cool. I'll have to think about that. I mostly use my travel time to listen to podcasts and audiobooks, but I definitely struggle sometimes to find time to ideate for content, and that might be an interesting way to do it, so I'll have to give that a shot. Cool, well, gentlemen, it has been another phenomenal episode. Indeed, this episode is going to drop here in a couple days, on the 21st, so any of you guys have anything coming up in the next couple of weeks?

I don't I mean other than podcasts.

Yeah, on the off chance that anyone listening to this is also a banker in Michigan spending time in Traverse City. I'm headed to the best conference at the Grand Traverse Resort and I've got three sessions that I'm going to be doing one on Google tips and tricks for my marketing friends, and then AI's implication on banking and marketing, and then I'm stepping in for the FTLD. I'm going to talk, run a panel discussion on the power of the dot bank top level domain name. So no longer using dot com, let's go dot bank. So that might be another topic of conversation down the road, but doing some dot bank stuff.

Super cool, yeah, is it what you say the conference is called? Is it actually called the best conference? It is, is it?

just the Well, I mean it's kind of an explorative but that banker education summit and trade show, so it's a cross functional, like lots of different tracks going at the same time. Everybody converges on Traverse City for a couple of days and so just kind of rips the bandaid off, everybody leaves the bank and comes in HR and sales and marketing and operations and compliance. So multiple tracks it's a good time.

Nice.

Is that next week? It is starting tomorrow, so starting tomorrow yeah. So it'll be going on when the episode drops, but I'll probably talk about it on Friday.

So fantastic and I'll be at CBA live next week in DC. If any of the listeners are there would love to meet up, grab coffee, grab a drink, et cetera. Should be an interesting conference.

Awesome, awesome Good, I'll be in Tampa next week. It's just for fun.

Unless you want to have fun. Hopefully you get a chance to get out on a boat.

Yeah, Next Wednesday. I've got a boat booked for the day. Should be fun.

Fantastic. If you're in Tampa and want to get out of Josh's boat, reach out to him on LinkedIn.

There's no more room. It's booked. I think I got eight people on it. One more thing to stuff up both of that.

That sounds fantastic. Well, gentlemen, it's been a pleasure as always, and we'll chat again next episode. See you, jen. Thanks guys, bye for now Bye everybody, Bye everybody.

Well, everyone, we hope you enjoyed episode 25 of Banking on Disruption. Don't forget you can find show notes and a full transcript of the show on our website, bankingondisruption.com. New episodes drop every other Thursday, so we'll see you in two weeks and in the meantime, don't forget to follow us on LinkedIn and Instagram at at bankingondisruption. Until next time, this is Fred Cadena, which you use. Success in your digital pursuits.