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From the Rooftop of JAM Fintop 2025 // Steve Soukup, Todd Clark, Erin Simpson, Karan Kashyap
Manage episode 505690656 series 3474707
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Host Sam Kilmer records live from Hyatt Nashville with Steve Soukup (DefenseStorm), Todd Clark (Investifi), Erin Simpson (Encore Bank), and Karan Kashyap (Posh). They swap “day-in-the-life” notes, why AI went from “go slow” to “why aren’t we live,” practical stablecoin prep, real-time payments use cases, ERP integrations, deposit outflows to wealth apps, and why “seamless integration” usually isn’t. Rooftop vibes included.
Timestamps:
- 00:04 Scene-set + guest lineup (DefenseStorm, Invest Defi, Encore Bank, Posh).
- 03:29 “Day in the life”: small-company stretch roles, startup rhythms, running bank ops, CEO still coding.
- 09:00 AI mood shift: boards from cautious to urgent; “web-banking déjà vu.”
- 10:36 Stablecoins: watch, don’t leap; near-term priority is fiat↔stable on/off-ramps.
- 12:41 Bank priorities: real-time payments and ERP integrations for commercial clients.
- 15:07 Integration reality: solving treasury onboarding with true end-to-end partners (docs + core push).
- 17:23 Deposit defense: 5–10% outflows to investment platforms—be the investing on-ramp.
- 18:02 Cyber angle: pace of change ⇒ more risk; move from whac-a-mole to proactive controls.
- 22:38 Live AI wins: disclosure review pipeline; measuring AI ROI (tokens, accuracy) and loan-doc diffs.
- 26:00–30:26 What’s working now: banks leaning in, co-building with fintechs, deposit/treasury innovation, optimistic tone; wrap.
Top Takeaways
- AI urgency: Boards and execs moved from “slow down” to “why aren’t we live?”—time to graduate from licenses to application-layer outcomes.
- Stablecoin stance: For banks today, focus on compliant on/off-ramps and multi-currency readiness rather than speculative use cases.
- Payments & ERP: RTP adoption and deep ERP integrations are must-win commercial banking battlegrounds.
- Integration reality: “Seamless” is oversold—pick partners who’ll do the unglamorous workflow plumbing end-to-end.
- Deposit defense: Mind the wealth leakage to investing apps; offer native pathways before funds walk.
- Security ≈ survival: Rapid change expands the attack surface—proactive cyber risk management is table stakes.
- Prove AI ROI: Track tokens, accuracy, and cycle-time reduction; start with auditable, high-impact workflows (e.g., disclosures, credit-memo vs. docs diffs).
35 episodes
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