Podcasts about allconnect

Send us a textIn this episode, Diana sits down with special guest Danisa Borges—attorney, business owner, wife, mom of four, and triple Gator (BA, JD, MS in Real Estate)—to talk about what it really takes to stay balanced and organized in a busy life.We discuss:How Danisa simplifies her roles at home and workSystems that keep her days running smoothlyHer “less is more” approach to lifeReal advice for staying grounded through it allConnect with Danisa BorgesInstagram: @Dm_borges and @terramarnurseryLinkedIn: www.linkedin.com/in/danisa-borges-esq-msre-0a7ab998YouTube: https://www.youtube.com/@danisa_borgesConnect with Diana:Business email: Diana@dsdeclutrr.comOur Instagram: @dsdeclutrrOur Facebook: @dsdeclutrrOur Websites: dsdeclutrr.com

Rich remembers his colleague Sam Rubin.Apple unveiled new iPads at an event called Let Loose. We saw new iPad Air and Pro models, a new Apple Pencil Pro, and updated Final Cut and Logic Pro apps.Jeff, in Fort Worth, Texas, is trying to connect LED lights that use 2.4 GHz to his Google Nest Wifi.Chris Sheldrick, creator of the app What3words, will explain how to use it to tell someone your exact location using simple words.Samsung is rolling out Galaxy AI features to more devices, including the S22 Series, the Z Flip 4, the Z Fold4, and Tab S8.John in Lake Forest and his Mom is addicted to home shopping channels. Is there is a way to restrict them. Rich says to check parental controls on the device.Serphane in Studio City wants a TV with dedicated bright and dim buttons. Rich says a universal remote might do the trick to quickly change the settings.Marcel in Brooklyn wants to know how to lock down his social media accounts like Instagram. Rich recommends being aware of scam messages trying to hijack your password and turning on two-factor authentication using an app.Craig in Iowa wants to know how to find the AI features on his Samsung S24 phone.Brad in West Los Angeles wants to know how to connect the iPhone 15 in Europe.WSJ says T-Mobile and Verizon are in talks to split up U.S. Cellular towers and spectrum.Eli Blumenthal of CNET joined to explain how your cell phone carrier tracks you and how to change that.Rich in Colorado Springs wants to know when to use a VPN.Linda in Burbank wants to know what will happen to the MVNO carriers when there are just three big networks in the United States.Rich talked about Moms and technology, 47% own a smartwatch, 43% listen to a podcast weekly and spend an average of 4 hours and 4 minutes online daily.Textnow has an interesting new plan called Free Essential Data, which gives you free access to text, talk, and essential data for email, maps, and rideshare apps.Google unveils the Pixel 8a for $500 and it gets seven years of software updates.Olga wants to know how to get her phone un-hacked. Rich mentioned Recovery Mode.Gary in Laguna Nigel has an Amazfit watch and wants to know if he can use it without his phone nearby.Allconnect has a great article about 5G Home Internet explained!Michael Motamedi will talk about how he traveled the world for a year using AI from GuideGeek.Disney, Hulu and Max will have a bundle soon.Apple releases a security update for iTunes on Windows.Don't fall for the Stolen iPhone Activation Lock Scam.Richard in Hilton, NY recommended the New bee earpiece. He said he paid $10 and it sounds great. Get full access to Rich on Tech at richontech.tv/subscribe

Have you ever wondered how to take care of yourself while taking care of others? In this episode, Camille welcomes Dr. Whitney Casares, a practicing board-certified pediatrician, author, speaker, and full-time working mom who helps empower other moms achieve work-life integration in their own homes.Whitney shares her framework on how moms can prioritize their needs and find out their top values to better focus their time and energy on things that matter. She also shares some real-life examples of systems she's put in place in her own home to help efficiently run her business and her home. If you're interested in learning more about how you can practice self-awareness and work-life balance, tune into this episode to listen to Whitney's advice on how you too can focus on supporting yourself as well as those around you.Resources:Interested in becoming a virtual assistant? Join the 60 Days to VA Course:www.camillewalker.co/VAAccess the 5-day email sequence to help you discover your purpose:www.callmeceopodcast.comLooking for one on one coaching to grow your team, reach your goals, and find the right life balance. Grab a free discovery call with Camille:www.calendly.com/callmeceopodcast/discovery-call-with-camilleOrder Whitney's book at: www.modernmommydoc.com/doing-it-allConnect with Whitney:Follow Whitney on Instagram: www.instagram.com/modernmommydocFollow Whitney on LinkedIn: www.linkedin.com/in/whitneycasaresFollow Whitney on Facebook: www.facebook.com/modernmommydocVisit her website: www.modernmommydoc.comConnect with Camille Walker:Follow Camille on Instagram: www.instagram.com/CamilleWalker.coFollow Call Me CEO on Instagram: www.instagram.com/callmeceopodcast

Em Haas, to put it simply an online business coach who is here to help coaches start & scale their business while not losing themselves along the way. She has created $2 million cash in 3.5 years organically & is here to help people never settle on their desires & truly creating their version of having it ALLConnect with Em on Instagram Here! 

This week's bonus episode of The ADHD Women's Wellbeing Podcast is with previous guest, Dr Jeanette Wasserstein, a NYC-based clinical neuropsychologist specialising in diagnosing and treating ADHD in adults for the past 30 years.Have a listen to this short episode and see what resonates for you and how your hormone, energy, and health challenges have shown up throughout your life.In today's episode, we talk about: Fluctuating estrogen in our menstrual cycleThe science of how estrogen boosts our neurotransmittersThe role of estrogen sensitivity in ADHD teensADHD and pregnancy, post-partum depression tends to be more common in women with ADHDSSRIs for PMDDHRT for ADHD peri-menopauseAnd if you'd like further support on this topic, my ADHD Women's Wellbeing Hormone Series is now launched! Click here to find out more and get access.Through the ADHD Women's Wellbeing Hormone Series, we want to:Empower you with more knowledge and awarenessHelp you Advocate for yourselfEducate you and your loved ones about how to help yourself thrive and feel wellOffer you medical, holistic, mindset and lifestyle tools to improve your life after an ADHD diagnosisBoost your confidence to know what's right for you and to trust in yourself to ask for what you deserveMake private medical and holistic healthcare accessible to allConnect with Dr Wasserstein via her website, cnssupport.com or email her: jeanette.wasserstein@gmail.comRead her article on ADDitude here - a brilliant resource for further information on ADHD, hormones and menopause

A wild 3hr 'side mission' stream of consciousness chat with an amazing modern composer. Jesse and I talk through all sorts of topics around work, music and life...aaaand some UAP, Roswsell & tinfoil hat sheeeit too

Chelsea and Lindsay answer your questions about boosting serotonin, New Years in New York, and spicing up boring sexy time.Get 10% So Fired Merch ↓↓↓https://sofiredpod.myshopify.com/collections/allConnect with So Firedsofiredpod.comIG: @sofiredpodChelsea's IG: @chelsea_turanoD.r Lindsay's IG: @dr.lindsaylifestyleYouTube:  So Fired Podcast

Do you feel adventurous? Would you call yourself outdoorsy? If your answer is no, listen to this episode with Maja Mazur.Maja (co-founder of Revity) and I talk about:Her digital nomad story, leaving London in the pandemic and traveling the Canary IslandsA big productivity tip for digital nomads and remote workersHow starting a new sport can give you a huge confidence boostWhat to do when you're not adventurous at allConnect with Maja:revityactive.comOn instagram @nomadsoutsideConnect with Anne:Leave a review or voice message at digitalnomadstories.coOn instagram @annes_nomadstoryLearn more about my business: The Podcast Babes

Ep 220: Stag & Hotwife Revealing Interview Living the Dream. I was fortunate to interview the amazing Stag & Hotwife couple Casey and her Stag husband Jason. They shared their journey, their hardships, and their joys & triumphs. They are living the dream, doing what they want without shame, enjoying the glory and freedom of doing what they want in life. I admire them immensely. The synergy of their relationship is both intriguing and intoxicating. Listen as they reveal all the good, the bad, the difficulties, and the wins of their Hotwife/Stag life. Both have lived the lifestyle in some way shape or form for many years. One of my favorite parts was hearing how they desire to please each other, plus how they know each other so well that they can literally read each other's expressions during a play session. And how they debrief afterward and it's a joy to them. I loved his line, "She's my porn star."Did you miss Casey's solo interview? Check it out here: https://ohfckyeahwithruanwillow.buzzsprout.com/1599808/11804787-real-hotwife-casey-donatello-tells-allConnect with Casey and Jason here:  https://linktr.ee/inbedwithstrangers Get Casey's books:In Bed with Strangers https://amzn.to/3XVPADCScarlet Swings Higher https://amzn.to/3B4G0oeScarlet Surrenders (affiliate links) https://amzn.to/3gZ1zjl Thank you to my sponsor! Connect with them for awesome author services at: https://authorshelpservice.com/FREE BOOKS!Some of my ebooks are available as part of the Smashwords 2022 End of Year Sale! Find your next favorite book this month at https://www.smashwords.com/profile/view/RuanWillow  Many of my books will be FREE there through January 1, 2023. Download, read, please review! Thank you! Merry Christmas!GET A ZUMIO sex toy! One of Ruan's fave sex toys: Your Orgasm Is Yours - Shop Zumio Now For $36 Off Your Zumio Using Code: ohyes  https://shareasale.com/r.cfm?b=1815950&u=3101443&m=98393&urllink=&afftrack=Get the Ruan Willow Discount on sex toys, pleasure products, coffee, and free ebooks (on Smashwords through 1/1/23): https://ruanwillowauthor.com/get-the-ruan-willow-discount/Skinny Dipping at the Pond on a Hot Summer Day: affiliate buy link https://storyoriginapp.com/universalaudiobooklinks/e617d304-772d-11ed-8d22-b3c1aa31b336Magic In Her Kisses Audiobook: a woman loving woman erotic age gap  affiliated buy linkshttps://storyoriginapp.com/universalaudiobooklinks/67b1bcfa-5a09-11ed-9be7-37bad9f71680In ebook and paperback: https://storyoriginapp.com/universalbooklinks/4ab14756-58c0-11ec-b4f3-470dd2b4fb47The Car Sex Challenge Book 3 of 6 from The Sex Challenge Series, A Day of Play https://amzn.to/3iPH21lConnect with podcast host Ruan: https://linktr.ee/RuanWillowSupport the show

What do you do to keep your skin glowing and healthy? Rachel Varga joins me today to discuss healthy skin and a holistic approach to skincare practices. Rachel is a Board-Certified Aesthetic Nurse Specialist. She has been practicing for the last ten years and has performed over 19,000 procedures. She is also a Clinical International Trainer who teaches healthcare providers how to integrate rejuvenation and aesthetic practices into their clinics.Many women are holistic-minded. Yet some will forsake their organic lifestyle in a heartbeat to maintain a youthful appearance- even if that means getting injected with botulinum toxin! In this episode, Rachel dives into how laser tech can improve your skin without injectables and offers educational info and advice for maintaining healthier and more stable skin at home. Stay tuned to learn how to keep your skin fresh and healthy holistically, and find out about the devices, technology, and products that provide the best and safest results!Show highlights:What Rachel does for her clients.How people can get harmed by substances used for rejuvenation purposes.What the latest laser treatments have been doing for Rachel's clients.Rachel's advice for anyone considering injectables.Rachel shares some educational information on the various types of laser treatment.Using dermo-rollers at home to prevent aging.How laser treatments work to remove skin irregularities.A word of warning about some laser treatments.Which products are the cleanest and most beneficial?Skin care product brands and ingredients to avoid.Skincare basics that you can do at home to provide more stable skin.About Rachel Varga:Rachel Varga BScN, RN, CANS is a Board Certified Aesthetic Nurse Specialist since 2011 with over 19,000 procedures performed, an international clinical trainer, celebrity skin expert featured on Bulletproof Radio with Dave Asprey, Ask the Health Expert Podcast with JJ Virgin, Dr. Youn America's Holistic Plastic Surgeon and more! Rachel is also a speaker and academically published award-winning author in the field of plastic and aesthetic nursing. Through education on skin care, skin and laser rejuvenation, non-surgical solutions, and healing lifestyle practices, Rachel helps inspire others with her unique toolkit to navigate and strategize aging impossibly well – using the Holistic SCIENCE of BEAUTY at RachelVarga.ca.Links and resources:You can grab all my favorite things—my courses, my cookbooks, my quick starts all at www.drlisao.com/bio Shop my new supplements and book a free discovery call with me or my team at www.drlisao.com Zenith Fat Loss Product: https://awakendnation.com/drlisaSupplements can be purchased at https://www.drlisao.com/collections/allConnect with Rachel VargaOn her websiteOn InstagramPractitioners looking to safely integrate rejuvenation into their practices can book a session with Rachel at www.rejuvenationtraining.comMentioned in this episode:Nourish Liver We talk about toxicity a...

What do you choose for your life? Will you be a victim? Or will you become victorious? Marissa Nehlson joins me today to talk about creating our dreams! She is a money and business strategist who has spent her 28-year career helping thousands of business owners and entrepreneurs worldwide with systems, structures, and strategies to minimize taxes and maximize their profits.Marissa has been creating her dreams for as long as she can remember! Her journey of personal development, growth, and helping others live rich lives financially, emotionally, and spiritually started many years ago with the simple desire to have enough. Marissa came from humble beginnings. In this episode, she shares a question her mother asked her many years ago that became a turning point in her life. She also explains how to live a rich life and shift your mindset to get what you want from life by blessing others and shares some simple, practical, and sustainable steps to attain financial freedom.Tune in to hear Marissa's inspiring story and learn how focusing on gratitude and giving will help you attain the life of your dreams and help others attain theirs!Show highlights:Marissa talks about the terrible night that became a turning point in her life.Why is it crucial to know the driving force in your life?How Marissa fulfilled her life-long dream of living in a Mediterranean mansion next to the ocean.A common thread runs through those always looking for ways to help others.How Marissa's mother proved time and time again that you can't outgive God!How her dying fiancé inspired her to honor people, embrace every moment, and live life to the fullest.Marissa shares the inspiring question she asks herself every day when she wakes up, regardless of her conditions and circumstances.Why do you need to know what inspires you, and sets your soul on fire to attain financial freedom?You can change the world by becoming the best steward of the relationships around you.Marissa shares some simple, sustainable, and practical steps to reach financial freedom.About Marissa:Marissa is a money and business strategist. Over her 28-year career, she has helped thousands of business owners and entrepreneurs worldwide learn the systems, structures, and strategies that teach, not just the "what and why", but the "how to", to minimize their taxes and maximize their profits.As a money and business strategist, Marissa has been recognized as one of the nation's leading experts on building wealth, minimizing taxes, and repositioning profits. She has built multiple multi-million dollar companies for herself and thousands of her clients.As an active philanthropist, when she isn't helping business owners future-proof their businesses around the world, she can be found on her mountain, changing lives in Costa Rica through the Foundation of Latin America. Links and resources:You can grab all my favorite things—my courses, my cookbooks, my quick starts all at www.drlisao.com/bio Shop my new supplements and book a free discovery call with me or my team at www.drlisao.com Supplements can be purchased at https://www.drlisao.com/collections/allConnect with Marissa Nehlsen:On her website Live Life Rich...

"Girls Just Want to Have Fun" and bachelorette weekends are an expanding short-term rental niche where you can charge premium rates and make bank. But they can also come with some very BIG drawbacks. So, how can you set the right expectations from the start so you can tap into the lucrative ‘girls trip' market without ending up with noise complaints and destroyed property? STR investor Kent He saw the demand for bachelorette trips in Scottsdale, Arizona, so he studied the data, took a chance, and jumped in—a move that paid off! Now, he's using his influence in the STR space to advocate for the development of affordable housing for all. On this episode of Get Paid for Your Pad, Kent joins me to talk about why it's vital to have a niche to be successful in the Airbnb space today and how his bachelorette-themed properties are skyrocketing his revenue. We discuss how he gathered the data to make his properties a success and the role the Get Paid For Your Pad podcast played in helping him determine when the time was right to focus full-time on his short-term rentals. He'll share why paying attention to the smallest details makes the most impact in the girl getaway niche and how to bring your vision for your properties to life to give your guests an unforgettable 5-star experience. Listen in as Kent shares the 4 questions he uses to screen out problematic guests and the policies you must have in place if you want to successfully host girls weekends at your Airbnb properties. Plus, how a beauty bar and a Peloton bike help them attract right guest avatar. Topics CoveredWhy you need a niche to be successful in the Airbnb space todayHow Kent's company uses their property names and images to draw in guestHow over-delivering on the small details delivers the best experience possible for all girl getawaysThe 4 questions Kent and his team use to vet their guests (and screen out problems)The critical policies you need in place if you want to host bachelorette partiesThe life-changing thing Kent learned from listening to the Get Paid for Your Pad podcastHow Kent and his team are using their Airbnb listings to debunk the myths and expand their mission for affordable housing for allConnect with Kent HeKent on Instagram ResourcesLe SoleiGirls trip @Spa de SoleiLindsey Petersen CollectionsLegends X STR AcceleratorGet Paid for Your Pad NewsletterLeave A Review of Get Paid for Your Pad on Apple podcasts for a chance to WIN FREE Airbnb Starter GuideSTR Legends MastermindEmail jasper@getpaidforyourpad.comSponsored ByLegends X Short-Term Rental Accelerator Hosted on Acast. See acast.com/privacy for more information.

The pandemic exposed the cracks in the healthcare system. But how do we prioritize resources to maximize capabilities for the future?By prioritizing partnerships.Dr. Rasu Shrestha is Chief Strategy and Transformation Officer and Executive Vice President for Atrium Health, one of the largest non-profit and leading academic health systems in the United States. Dr. Shrestha is responsible for Atrium Health's enterprise strategy, including planning and tactical direction for the organization's current strategic roadmap.On this episode, Dr. Shrestha joins hosts Dr. Gautam Gulati and Dr. Jordan Shlain to discuss his background and how he's forging a path to the future by breaking down walls and building bridges to person-centered care enabled by technology.We discuss the cracks exposed in our healthcare system during the COVID and how we can pivot to make the heroics displayed during the pandemic the blueprint of how we operate going forward.Listen as Dr. Shrestha shares why social impact is such a big driver at Atrium Health and how they're embracing their mission of health, hope, and healing for the future of healthcare.Topics CoveredHow Dr. Shrestha's personal experiences, combined with today's healthcare climate, inform what he is doing at AtriumHow the pandemic accentuated the cracks in the healthcare systemHow Atrium is creating a blueprint for collaborating in public-private partnershipsWhy human struggles mixed with a healthcare emergency and chaos in the healthcare field is the recipe for disasterHow Atrium is using technology to leverage data to reach underserved communitiesHow Atrium is thinking globally while acting locally in its program rolloutAn inside look at ‘The Pearl,' Atrium Health's innovative new medical schoolHow Atrium is asking the right questions to overcome data blind spotsDr. Shrestha's quest to prioritize Atrium Health's mission of health, hope, and healing for allConnect with Dr. Rasu ShresthaDr. Shrestha on LinkedInDr. Shrestha on TwitterConnect with Dr. Gautam Gulati, Dr. Jordan Shlain, & Dr. Jessica ShepherdDr. Gulati on TwitterDr. Gulati on LinkedInDr. Shlain on TwitterDr. Shlain on LinkedInDr. Shepherd on LinkedInDr. Shepherd on TwitterResourcesAtrium HealthViVE

Steven Rudolph, in 1989, while pursuing a career in music in New York, Steven Rudolph took up a part-time teaching job to make ends meet. In his first class, he had an epiphany: that he had an innate capacity to teach. Though he had no formal training, it was as if he already knew how to do it—as if he were a fish in water.The realization led him on a 21-year quest to India, where he uncovered 5,000-year-old secrets to self-understanding and achieving one's potential. Steven has taken those principles and crafted them into an easy-to-use, enjoyable program--Feed Your Tigers.Steven lives in Cambodia where he serves as CEO of MNI, and explores how ancient Eastern wisdom can help people (and their tigers) become more aligned.Time StampsWest meets the East story - 1:42Superhighway of competency development - 14:02Feed Your Tigers - 23:24Power of 3 - 31:58Overview of Multiple Natures International - 40:53Message from Bhagavad Gita - 43:33QuotesIn this part of life, everybody gets a giftYou cannot take nine women and make a baby in a monthPerseverance conquers ALLConnect with Steven:  LinkedIn | Twitter |WebsiteDo not miss to check out our new website and share your love https://inspiresomeonetoday.in/Subscribe, follow, and leave your comments to help me get better with my episodes. Available on all podcast platforms, including, Google Podcasts, Apple Podcasts, YouTube, Spotify, Stitcher, Castbox, RadioPublic, TuneIn, Gaana Jio Saavn, AudibleDo stay tuned for new episodes every alternate Friday. Next episode - Sep 9'22.

The biggest opportunity in healthcare is to extend health equity and provide total wellness solutions through virtual and technology platforms.But what challenges does that present? And how can you simplify the human experience across the spectrum?Rajeev Ronanki is the President of Digital Platforms at Anthem®, where he is harnessing the power of AI to offer personalized healthcare for patients, providers, and caregivers. He is also the author of You and AI: A Citizens Guide to AI, Blockchain, and Puzzling Together the Future of Healthcare.On this episode, Rajeev joins host Dr. Jessica Shepherd to discuss the current gap and biggest obstacles to extending the reach of virtual healthcare to provide options for wellness, prevention, and breakthroughs in health equity.Listen as Rajeev shares the details of how Anthem® is navigating the challenges of delivering virtual healthcare to more populations through partnerships with cellphone companies and their Concierge Care programs.Topics CoveredWhat Rajeev thinks is the biggest issue today for physicians, patients, and caregivers and the opportunity for improved outcomesHow to create a win-win in virtual vs. in-person careHow to use data as a predictor of a person's health journey to decrease preventable disease and lower healthcare costsHow Anthem® is working to attract consumers through rewards-based incentivesWhat Rajeev believes is the future of the national standard of careRajeev's take on the biggest change needed to improve health equity and access to care for allConnect with Rajeev RonankiRajeev Ronanki on LinkedInRajeev Ronanki on TwitterConnect with Dr. Gautam Gulati, Dr. Jordan Shlain, & Dr. Jessica ShepherdDr. Shepherd on LinkedInDr. Shepherd on TwitterDr. Gulati on TwitterDr. Gulati on LinkedInDr. Shlain on TwitterDr. Shlain on LinkedInResourcesYou and AIAnthem®ViVE

We've all had jobs (except for you, trust fund kids!) where the hours were long, the pay wasn't great, and the work itself may or may not have been fulfilling (hello, kitchen grease). Despite all of this, our satisfaction at work has most often depended on the person who supervised us. In that spirit, Christy, Meredith, and Ann are talking about the bosses who lifted us up, as well as the bosses who demeaned us. Wonderful, supportive people who wanted us to be successful? Check. Selfish, egotistical jerks who have no business being in charge? Check. We're sharing our admiration and our frustration in equal measures. Christy would like to beat somebody over the head with his special bowl. Ann's naming names. And take it from Meredith: “Statisticians are weird.” Plus, billionaires in space and special guest host Wonky Van Harn.TSHE Recommends:Total WipeoutMan who has it allConnect with the show!This is your show, too. Feel free to drop us a line, send us a voice memo, or fax us a butt to let us know what you think. Facebook group: This Show Has EverythingFeedback form: throwyourphone.comEmail: tshe@tenseventen.comTwitter: @tsheshow 

If money was your significant other, how would it describe the way YOU make it feel? Would money say you are needy? Or that it's never good enough? If you're in a toxic relationship with your finances, it's time to figure out why. To take a closer look at the stories you're telling yourself, transform your money mindset and start living your most abundant life!Helena Grace Donald is the creator of Girl Unfiltered, a coaching practice designed to support ambitious women in releasing their internal money blocks and limiting beliefs. She leverages a range of money mindset tools, including Matrix Reimprinting and the Emotional Freedom Technique, to help clients shatter their inner glass ceiling and reach the levels of wealth they desire. Helena is also the host of The Girl Unfiltered Podcast and the author of Learning to Love the Girl in the Mirror.On this episode of The Inner Light Podcast, Helena joins me to explain how money is a byproduct of stepping into your most authentic, empowered and worthy self, exploring the societal programming that teaches women it's not safe to earn too much.Helena shares her personal struggle with money mindset, describing the rock bottom moment that inspired her to look at her own relationship with money and uncover the subconscious beliefs that were holding her back. Listen in for insight on identifying your personal mindset blocks and learn to cultivate a thriving romance with money to live a wealthy, abundant life!Key Takeaways  How money is a byproduct of stepping into your most authentic and empowered selfHow history has taught women that it's not safe to have moneyHelena's personal struggle with money mindset and how it informs her work as a coachThe rock bottom moment that made Helena realize she needed to look at her relationship with moneyWhat Helena did to unravel her programming around money and stop pushing it awayHow our subconscious beliefs (formed by the time we're 7 years old) dictate at least 80% of our actionsThe value in exploring your parents' relationship with money Helena's advice for those of us resisting the deep work it takes to heal our money mindsetHow media messaging seeps into our consciousness and shows up in our businessesThe question to ask yourself to start identifying your money mindset blocksHelena's challenge to believe you're deserving and show up knowing you CAN have it allConnect with HelenaGirl UnfilteredThe Girl Unfiltered Podcast Helena on InstagramHelena on YouTubeHelena on FacebookConnect with HayleyHayley Lloyd CoachingHayley on FacebookHayley on InstagramInner Light on InstagramResourcesHelena's Free Money Magnet MeditationHelena's Free 5-Day Money Magnet BootcampHelena's Video on How to Tap for MoneyLearning to Love the Girl in the Mirror: A Teenage Girl's Guide to Living a Happy and Healthy Life by Helena Grace Donald

Had a wonderful chat with Sara Miller at Soul Stories HD. Sara is an expert on Human Design. Something I have recently discovered and therefore really wanted to you as listeners to gain insight into this. Because it's this kind of information and knowledge that is going to transform not only our lives but help to build a better way of living for us allConnect with Sarawww.soulstorieshd.comwww.instagram.com/soulstorieshd

In this week's solo episode, we're getting personal so if talking about periods, hormones and sex grosses you out... then this podcast isn't for you! Ok, now that you're still here, this week, Leslie talks about coming off hormonal birth control after 16 years and the rollercoaster ride the last twelve months have been for her (and her husband Micah)! Leslie shares about all the ups and downs from mood swings, losing her libido, getting cystic acne, losing her HAIR and getting diagnosed with PCOS. She also offers some lessons she's learned along the way. DISCLAIMER: This is simply one woman's experience coming off of hormonal birth control. This is not meant to be medical advice. WE ARE NOT ANTI-BIRTH CONTROL! In fact, we support a woman's right to choose what SHE wants to do with HER body! BUT we also demand better education and information around sexual health.Book recommendations mentioned:Womancode by Alisa VittiIn the Flo by Alisa VittiPeriod Repair Manual by Lara BridenBeyond the Pill by Dr. Jolene BrightenCode Red by Lisa ListerWild Power by Alexandra Pope and Sjanie Hugo WurlitzerWhat's on Leslie's cycle chart for her husband:Cycle Phase:-menstrual-follicular-ovulatory-luteal What I need from you:- cuddles/kisses- adventures together- chill time on the couch- alone time- you to leave the houseMood:-happy-sad -angry -anxious-irritable-excited -tired                                                       -energeticSex:- slow & sensual- rough & passionate- quickie- foreplay focused- no penetration- no sex at allConnect with Leslie on Instagram for more period talk! @lesliedraffinConnect with the podcast on Instagram @thelightwithinpodcastEmail us: thelightwithinpodcast@gmail.com

Decision Vision Episode 104: Should I Layoff Employees? – An Interview with David Frame, HB NEXT Reflecting on an earlier career experience at Allconnect, David Frame, now CFO of HB NEXT, joined host Mike Blake to discuss decisions on layoffs he and his management colleagues had to confront during the 2007-2008 recession. “Decision Vision” is […] The post Decision Vision Episode 104: Should I Layoff Employees? – An Interview with David Frame, HB NEXT appeared first on Business RadioX ®.

In this episode of the Rev. Art Wilson Podcast, we discuss the Coronavirus: How to handle it as a churchAnd How we can be cautious and safe during this time.What the bible says about it allConnect with us online in the following places: The International Church WebsitePlease rate and review us 5 stars if you loved the content.Share this podcast with a friend or on social media to help spread the good word!Be blessed and have a great week!Support the show (https://freedonationkiosk.com:9011/internationalchurch/donation/new)

As CEO of Toffler Associates, Maria taps into deep experience with strategy development and execution, customer experience, business performance management, acquisition integration, and organizational transformation. Before joining Toffler Associates, Maria was a managing director at North Highland, overseeing media, entertainment, and communications industry. As the division president, she led the Data Analytics and Sparks Grove groups and directly contributed to the profitability and growth of the businesses. She was the executive advisor to the Managing Services division during its U.S. expansion and led the development of the Washington office. Her prior experience includes management consulting with Arthur Andersen Business Consulting and Ernst & Young, as well as roles at AllConnect and Litton Poly Scientific.Maria earned a B.S. in Industrial Engineering and Operations Research as well as an MBA from Virginia Tech, and serves as an advisory board member for the ISE department. She holds a certificate of cuisine from Le Cordon Bleu Paris and actively volunteers to cook healthy meals for the homeless and hungry in the Washington area where she resides with her family.Find out more about Maria at:https://www.linkedin.com/in/mariabothwell/

As we get closer to ETS we're talking to thought leaders who have big ideas to share about the future of the energy industry. To that end, we interviewed Kim Shumway from Allconnect to talk about how to use data to tailor energy content to customers and avoid miscommunication in customer engagement. She also talked about looking to leaders outside the energy space to help better reach customers where they spend most of their time — their mobile devices. To find out more about ETS go to https://ets19.co/ This episode was sponsored by Allconnect. Music by bensound.com

Summary: Devon Watson and Thomas Karakalos discuss emerging trends in retail and banking services. Resources: Blog: Services for a Connected World Diebold Nixdorf AllConnectSM Services Transforms Bankdata IT Strategy Diebold Nixdorf Website: www.dieboldnixdorf.com Podcast site: www.commercenowpodcast.com Transcription: Amy Lombardo:                           00:00                     This is Commerce Now. Devon Watson:                 00:14                     My name's Devon Watson, chief marketing officer at Diebold Nixdorf. I'm joined this week by Thomas Karakalos, who's our head of the services business in Asia Pacific. So Thomas, why don't you give us a quick background. Who you are, what you do out here. Fantastic to have you on the show. Tom Karakalos:                 00:30                     Thank you, good to be here. So I've been with Diebold Nixdorf for the last three years. So prior to the integration with Diebold, heading the managed services business for Asia Pacific. Devon Watson:                 00:39                     Okay. Tom Karakalos:                 00:39                     My history, my background is deep in the systems integration room. So, heavy in tier one, systems integrators ... did a decade there, then moved into more niche kind of data storage security. Devon Watson:                 00:50                     Okay. Tom Karakalos:                 00:51                     Working in a global role, driving engagement, driving sales, driving project management. From there, a little entrepreneurial blood in the system. Devon Watson:                 00:58                     Fantastic. Tom Karakalos:                 00:59                     So then moved out, did my own thing. Still having in the background, but then it got to the point where I said, "Okay, next challenge." The next challenge was, Diebold was transitioning at the right time. Jump in really help move this ship towards services. Devon Watson:                 01:11                     Fantastic, fantastic. Tom Karakalos:                 01:12                     Yeah. So the focus is all about managed services, yeah. Devon Watson:                 01:14                     Great and that's a perfect segway. And I love the fact that you have an entrepreneurial background because, as I look at how banks and retailers are going to have to navigate all this change that's happening around them, you need some entrepreneurial blood there. Because we're solving new problems, we don't even know sometimes what the next problem's going to be and how to kind of navigate all these forces. Devon Watson:                 01:32                     So talk to us a little about what you're seeing is kind of the emerging trends in the services business in managed services and how our customers, in Asia Pacific in particular, are kind of looking at the partners, like us, that they have to help drive their business. Devon Watson:                 01:48                     What is it they're trying to get out of this general shift towards services? Tom Karakalos:                 01:51                     Well, as we know the whole industry is transitioning. It's transforming at the moment. So an organization, be it either in the financial industry or a retailer, is really thinking about, "What is core to my business?" There are so many moving parts, there are so many technologies and input points that they're interacting with their consumers, that they really have to take a seat of, "Okay, I cannot do everything, I cannot be everything to all men. I need to really focus on what is my core business and I need to trust partners that can come in and support." Tom Karakalos:                 02:16                     So, there is a tendency and an increased tendency towards outsourcing, that's something that we're seeing heavily in the region. We're seeing it on two sides, we're seeing organizations that have never ever outsourced anything that are actually saying, "You know what, I've finally realized, take the whole thing because it really isn't part of my core business." And we're also seeing a lot of organizations come together as consortiums and think, "How can we drive the investment that we've already put into either solution or product or technology," to bring high utilization, a better card holder experience for their people. Tom Karakalos:                 02:46                     So that situation is opening a lot of conversations with us because, from a managed services perspective, when we come in and give them a business outcome, that's exactly what they're looking for. So, they're great conversations what we're having. Devon Watson:                 02:57                     Absolutely, absolutely. Obviously, that storyline around focusing on your core competency and then taking the things that are ancillary to that and pushing them over into the partnership landscape, right to those subject matter experts, like ourselves, that can take that on. It brings a lot of operational efficiency of course, but one of the things that I think is particularly interesting, and I'd like to have you add some color to this, is the agility that that brings, right? So in particular, one of the things that I know we're working with customers around the world on, is things like branch and store lifecycle management, total implementation services, things like that. And to me that's also the cost story and it's a lot more of an agility story. So, maybe shed some color on that. Tom Karakalos:                 03:38                     Absolutely. Well, I'll hit the retail one to begin with because that's more predominant. So if you think about store lifecycle management and our offering, which is new store opening, this is something that is accelerating our customers' ability to go out there and actually dominate and participate in new markets. Tom Karakalos:                 03:54                     So, even here in Asia Pacific, we've got customers, be it H&M, be it Decathlon, be it whoever it is, where, the fact that we're in there with a cookie cutter way of basically getting them from an initial thought on, "I'd like my retail store to be there," to an up and running VIP night, is painless. It's cookie cutter, it's risk free, and we can do the whole thing while they're concentrating on, "Where do I put my products? And which VIPs do I organize for that event?" Tom Karakalos:                 04:19                     So, it is very much a risk component that they're able to shift across to a company like us that has done it time and time again, where we don't have those issues whatsoever. Devon Watson:                 04:29                     Got it. I love that storyline because, to me, that's really taking your physical infrastructure, those branches and stores, and almost turning it into an as-a-service model in some ways, and ... If I think about how our customers are going to compete with online incumbents, right? Being able to take that physical distribution, that physical infrastructure, make it more agile, make it more responsive, change adaptation to the market demand, we can help them do that. That seems incredibly powerful. Devon Watson:                 05:00                     So, we talked a little about the efficiency side, we talked about the agility that we're bringing to our customers ... Maybe give our listeners a just little flavor of what's new, what's top of mind. You know, what are you really gunning for? Tom Karakalos:                 05:13                     Well, one of the big ones that we're really trying to head out there, in terms of being a forefront of power in the industry, is to give a complete end-to-end integrated solution to our customers. So, ATM as a Service, or Store as a Service is something that we're heavily pushing. We've spent a lot of time investing in building this offering in a way that is extremely robust, that gives you the flexibility that you need to deal with the nuances of each retailer and financial organization. Tom Karakalos:                 05:36                     So, an end-to-end solution where they don't have to think about the asset, they don't have to think about the technology, they can disconnect themselves from some of those IT, technical decisions, and they can basically take the position of, "The business outcome we want is x." Tom Karakalos:                 05:50                     We can assure everything, so we can give them the business outcome they need, but we can manage behind the scenes. Everything, in terms of how the technology comes together, how the software layer integrates with the hardware layer and all that kind of stuff, without them having focus on it. Tom Karakalos:                 06:01                     I think that's something that's going to radicalize and really change the way that they go to market. Devon Watson:                 06:05                     Got it. And, if I'm a customer hearing about this for the first time, it's a pretty new approach, right? They probably haven't heard a lot of other partners out in the market place talking about this kind of soup to nuts as a service model. Devon Watson:                 06:19                     So, if I'm a potential customer thinking about that, who are the right people within my organization to bring to the table to explore that with us? Because it's a different way of thinking about an end-to-end problem and an end-to-end customer journey, and that's something that we've talked to the customers a lot about, is thinking about, "What is it you're trying to enable across the spectrum, for the consumer." Devon Watson:                 06:40                     So, what's the right time to engage with us? Tom Karakalos:                 06:42                     So, I think there are a number of people in both banking and retail, where, from a banking perspective, you really need your CTO, your CIO, a lot of that C-level. I mean, these are senior-level conversations that you need to have, right? Because it means that the company has to ... to make a decision as to how much it wants to hold parts of the pie that it will hand across to you. Tom Karakalos:                 07:02                     So, having the technology part of the business, the business itself and having the innovation and information part of the business coming together ... They're the ones that we need to have that effective conversation. Tom Karakalos:                 07:15                     From the retail side, it's really looking at ... the people that are involved in driving the expansion of that business out, and looking at, both the profitability of the stores but also the site location, the placement and the markets that they want to enter into. They're the ones that we want to be speaking to. Tom Karakalos:                 07:29                     If you look at the spectrum of solution that we're providing, it is something that is soup to nuts. It's everything, right? So, a lot of times what happens is, you commence the conversation at a senior level, so that, from a vision perspective, you're seeing eye to eye. And then you see very quickly it trickles down. So it really means that we partner at every level of the organization, be it at a direct, technology level, at an infrastructure level, at a solution level. Even at a business vision level. Devon Watson:                 07:53                     To me that's such a great way of going to market and engaging because, really, it's their team powered by ours, right? And that's just a great storyline. Tom Karakalos:                 08:02                     Powered by Diebold Nixdorf, absolutely. Devon Watson:                 08:04                     Fantastic. Well Thomas, thank you very much. This is a great conversation. Really appreciate the time. I hope our listeners are learning from these and look forward to seeing you again somewhere else around the world.  

Summary: In this episode we'll discuss how organizations can keep up, and what is expected in order to stay ahead of their competition.     Resources:   Blog: Services for a Connected World  Silicon Foundry LinkedIn: Steve Gotz Twitter: @stevegotz   COMMERCE NOW (Diebold Nixdorf Podcast)   Diebold Nixdorf Website   Transcription:   Amy Lombardo:                00:00                     Hello again. This is Amy Lombardo, your host for this episode of COMMERCE NOW. This year we've seen some significant technology trends, and we know the knowing your audience and increasing the level of personalization is key to the success to this ever changing digital world. But this can be easier said than done, right? So, in this episode we'll discuss how organizations can keep up, and what is expected in order to stay ahead of their competition. So, listeners I've got a real treat for you today. I'm joined by Steve Gotz who is an expert in working with executives to create impactful corporate innovation strategies. He has over a 20 year background working with a range of global organizations such as AT&T, General Electric, and Symantec, and one thing that you'll be most interested in is his recent work with Umpqua Bank, which we'll touch on a little bit in this discussion. So Steve, thanks for joining me today. Steve Gotz:                        00:49                     Thank you. I'm glad to be here. Amy Lombardo:                00:50                     Wonderful. So let's start a little bit with your background, and just really what keeps you up at night. Steve Gotz:                        00:57                     I think what keeps me up at night is relevance. So, my background. Quick intro. So, 20 years working with big companies like you said in industries that are undergoing change, and a really interesting thing is it doesn't matter what the industry is. Corporations are really in a race for relevance, and whether you're an entertainment company, whether you're a movie studio, whether you're a bank you have to think about ways to be relevant to your customers today and into the future. Amy Lombardo:                01:23                     So, that's an interesting comment. Okay. Race for relevance. Could you dive into that just a little bit more for me, or maybe give me an example of some recent work you've seen on how someone has caught up or stayed ahead maybe of the race for relevance? Steve Gotz:                        01:35                     Yeah. So, I think a really interesting one that I can point to is AAA. The automobile club, right? So AAA is an American institution, and their business model up until now has been predicated on your car breaking down on the side of the road, you're picking up the phone, you're calling them, and them sending somebody there to help you. Now, a couple of years ago they recognized that they're sitting on a dinosaur. That business model isn't going to exist 10, 20, 30 years from now. We have autonomous vehicles, when we have cars that don't break down with us behind the wheel, their business model needs to change. Steve Gotz:                        02:11                     So, what I think they've done is really interesting, right? So they're investing in infrastructure and thinking about how can AAA be relevant inside of the home, and I think that's a great example of an incumbent corporation that's saying, "You know what? We're going to face this head on, and we're going to drive this change. We're going to drive this disruption rather than waiting for us to be disrupted by the market." Amy Lombardo:                02:32                     That's such a great example because AAA is something that I just rely on so heavily in my own life, but I haven't thought about yeah what would be next for a business like that, or thinking back to the stories of like Kodak or Blockbuster or something. Why it did or did not work for them because their business models needed to change with the rate of pace of change here. Steve Gotz:                        02:53                     Yeah. So, the last couple of months for me I've spoken to maybe 200 executives. So these are CEOs, Chief Digital Officers, Chief Technology Officers, entrepreneurs about what's changing in their business, and what's really interesting is we've kind of gotten through this first era of innovation. So, every corporation talks about innovation being one of the most five, one of the most 10 important things that they're focused on. But if you look at the number of ideas that have come from an innovation lab that have found their way to production inside of big corporate, that number is pretty small. But I see happening now and with people are talking about is this second wave of innovation. This more impactful, this more intentional strategy to say, "We are going to build things that are going to change our business." Steve Gotz:                        03:41                     And change our business in a way that is going to make us relevant into and beyond the 21st century, and this is different, right? So I think you said at the beginning. When I started my career, I started at AT&T labs in the music industry, and this was at the beginning of the rise of digital distribution before we had iTunes. When we took this, basically AT&T invented something underlying technology to iTunes, right? Secure digital distribution. And when we took it to the labels, the music labels at that point, their response was really telling. The response was, "We're not interested in this. We sell things. We sell things that spin. We're never going to sell our music over the internet." Steve Gotz:                        04:20                     So, this was in the late 90s, and that was your classic Kodak response from an incumbent. Fast forward 20 years, and when I talked to bank CEO's, they don't talk like that anymore. What they talk about is, "Yes, absolutely. We need to change. We need to create new experiences, and here's how we're going to do that, and here's where we are doing it." Right? So, this idea that the banking industry is facing a Kodak moment, I'm not an advocate of that line of thinking, right? I think the banking industry is responding very differently than some of those other traditional industries that have been disrupted. Amy Lombardo:                04:54                     Right, okay. No, that makes sense. So, in some of my research on you, the work you've done, you've talked about this idea of the innovation theater, and is that what you were speaking to earlier, which is kind of this innovation 2.0? Steve Gotz:                        05:08                     Yeah, that's exactly it. So, if you look at kind of the last 10 to 15 years of innovation, it's very clear that companies are recognized they need to be more innovative. However, the tools, methodologies, and frameworks they've deployed, they resulted in what some people call innovation theater, right? It's really pretty, you go into the innovation lab, you see an interesting application. But then when you pull back the curtain to say, "Well, what's the path to production?" Right? How many customers are using this? That's where you tend to realize there's not much substance there. I think a lot of people have recognized that, and now they're thinking about, "All right. How do we do that?" Steve Gotz:                        05:45                     Right? So, we're seeing this kind of growing kind of drive. An increasing number of corporations that are sending out new company builders, new organizations designed to create things, and scale things up, right? Don't just show me something in the lab, show me how you take what's in the lab, and get it in front of all of our customers, and make us more relevant. Amy Lombardo:                06:08                     Right, right. So, the example Steve you're giving about this innovation theater, almost like the innovation smoke and mirrors, I'm also kind of thinking in banking terms now of what Chase has done with the everyday express branch, and Capital One with the café branch, I mean these are realistic examples of innovation- Steve Gotz:                        06:30                     Yeah. Amy Lombardo:                06:30                     That has now been brought to life, and the results and at least the studies show that consumers are gravitating quite well to these concepts. Steve Gotz:                        06:38                     Absolutely, and especially around banking. The Capital One café, it's a really interesting idea, and I think it kind of gets to this point that physical is still important, right? Being able to bridge digital experiences with physical experiences, that's kind of the next competitive battleground. And I think Capital One, Umpqua Bank, I think we ... And even Amazon with Whole Foods. I think we see an increasing number of organizations getting much more sophisticated at spanning the omni channel experience. Amy Lombardo:                07:10                     Right, right. So you mentioned Umpqua, and that is such an interesting case study here. So, tell us a little bit about the work that you did with that bank. Steve Gotz:                        07:18                     Right. So, Umpqua is really interesting. I got connected up with Ray Davis in 2015, and Ray is kind of an iconic figure in the banking world. He grew Umpqua from $100 million in assets to about $24 billion in assets, and he was really driving the industry, and created a unique customer experience, right? So, for Ray they're not called branches, they're called stores. In those stores, there's a very unique experience when you go in. A store are part of the community, a store holds coffee hours. People could use the store as a co-working space. So, Ray and Umpqua is really kind of the leading edge of the ideas that we're talking about today, and so much so the now Capital One is kind of borrowing some of the ideas that Umpqua pioneered a historic concept. Steve Gotz:                        08:04                     So, I got connected up with Ray in 2015, and in the first conversation he was like, "Look, the bank I built for the last 20 years isn't the bank that I need for the next 20 years, and I need some help to figure out what that new bank is." So, the mandate was figure out how to pivot the bank, right? Ray is a gentleman who likes to name things what they do, so it wasn't a digital adventures lab, it was Pivot us. Easier to pivot the bank. So, we started down this path, and what we got to fairly quickly was the banking relationship is a unique relationship. Money is such a loaded topic for people, for consumers, and 20 years ago the banker was your neighbor. Steve Gotz:                        08:41                     The banker knew your first name, they knew your kids, they gave them a lollipop when they walked into the store, right? There was an experience attached to that, and when we fast forwarded today, and we the state of digital he said, "It's impossible to create that really personalized digital experience right now with the technologies that were available." So, the question was how do we engineer the human in? How do we create that personalized experience through a digital channel? And that's what we set out to build from. Amy Lombardo:                09:11                     I think that's so interesting that you say that because a few years back we had this interesting study, that was how consumers could differentiate their toilet paper brand over their bank brand, and I say that. And of course, the source is escaping me, but- Steve Gotz:                        09:29                     Right. Amy Lombardo:                09:30                     But it was all around the fact that banking had become this emotionless interaction. No, really it was more the transaction. You need to move into an interaction here, and your examples here of putting the human element bank in is a perfect way for banks to be thinking about this. Can you give our listeners some specific technology examples if those are relevant and okay to [inaudible 00:10:00] out here? Steve Gotz:                        09:59                     Yeah. So, before I do that going back to your idea of kind of toilet paper brand and banks. Amy Lombardo:                10:07                     I know you didn't think that what was going to come out of my mouth. Steve Gotz:                        10:12                     If you kind of step back a little bit, and you kind of look at how the industry go to where it is today, what you see is in the pursuit of cost efficiencies, the customer experience has been lowered significantly. In the last 20 years, the industry has done what it should have done, right? Which is use technology to be more efficient. But in the active being more efficient, they've created a customer experience that's not that great, and by lowering that bar so far it's now become really easy for two kids in a garage in Palo Alto to create a new mobile banking experience that can run circles around most of the existing incumbents, right? Steve Gotz:                        10:55                     Now, the opportunity is to change that. There's no reason that two kinds in a garage in Palo Alto should be able to create a better experience. Incumbents can do that, which is where we get to this idea of, "All right. How do we create new teams? How do we create new environments to build these things?" And that's kind of really what we did at Umpqua. Ray's mandate to us was don't go give us some prototypes. It was figure out how to keep us relevant. So, that started with the customer relationship. We said, "How do we take that in-store experience that we have today that really personalized experience when you walk into the store, and create that, and then catalyze the experience in an additional channel." Steve Gotz:                        11:35                     So, when we looked at the technical landscape, what we said is, "The future of the industry is chat based. It's dialog based systems." So, let's think about how we engineer the human in, and do that at scale. Let's think about how we can deliver a chat interaction, a highly personalized chat interaction with a human. So, what we started building is eventually we started using WhatsApp, and some of the existing chat platforms. But very quickly we ended up building our own application primarily for security and privacy reasons, right? So, if you're using Facebook Messenger as a bank to service your customers, if you're using WhatsApp there are potential privacy implications that come along with that, that we were uncomfortable making. So, we ended up building our own technology stack. Steve Gotz:                        12:24                     And essentially what we did was we put a device in the hands of our employees, of our associates in the store, and said, "You now have the opportunity to chat with customers." So rather than make this a call center initiative, we pushed it out to the edge, and the response was phenomenal both from customers, and from our employees. Amy Lombardo:                12:44                     Now, was that a cross-channel application to where that chat feature was available both on mobile, and online? Steve Gotz:                        12:52                     Yeah exactly, and the idea of it. So everybody talks about getting customers to come into branches, and the question is we can't get customers to come into branches now. I don't think we're going to get them to come into the branch in the future. One interesting kind of dynamic that we observed is if the customer knows who they're going to see in the branch, who they're going to interact with, there's a higher tendency to come in. So, the idea was we can use the chat, right? We can use the online interaction with the customer to pull them into a physical experience. So, if the customer needs to have a more in-depth conversation. Maybe the retirement planning, 401k, 529 plan. Steve Gotz:                        13:30                     We can say, "All right. Maybe it makes sense just to sit down and have this conversation in the store, and we can get something scheduled." So, the human interaction becomes a really interesting way to pull people into the store for more engaged conversation. Amy Lombardo:                13:43                     I love the example you just gave me because it speaks so much to what we believe and strive to deliver to bankers, and retailers here at Diebold Nixodrf by delivering connected commerce. This idea that you have this seamless journey throughout various touchpoints that it doesn't have to seem like, "Oh, I'm only engaging in the branch. Oh I'm only engaging on my mobile phone." It's the same experience, and you're giving a perfect example of it right there. Steve Gotz:                        14:09                     Yeah, and I think the idea behind connected commerce is really powerful, right? It's the bank ... The bank almost becomes an orchestrator on the behalf of the consumer, right? The bank captures the intention, the bank understands what the consumer needs to do regardless of the channel, then it helps them do that, right? This is the core of what we saw a couple of years ago. This is what banking used to be. Now we have technology to deliver that experience in new and different ways at scale with efficiency. Amy Lombardo:                14:39                     Mm-hmm (affirmative). Okay, so you just touched efficiency, and that was this one question I was writing down here. So, I've been looking in all these reports as to what are going to be these top pain points for bankers in 2019 and beyond, and what seems to be the top three of all those lists is around creating better operation efficiencies, back end transformation, etc., etc. Can any of your line of work? Do you see that holding true? Is that something that bankers are talking to you about as well? Are there some strategies in place that you can comment on to accomplish that, but still now lose that personalization aspect? Steve Gotz:                        15:13                     Yeah, yeah. So, I think there's ... A lot of people focus on kind of consumer facing, kind of innovations and efficiencies because that tends to be where a lot of the top line growth is. So, sometimes I think back offices operations doesn't get as much attention as it should, but I think there's an equally large if not more number of opportunities in the back office to do things better, faster, and cheaper while you maintain that front office customer experience. And I think ... Again, the idea of what we're talking about here, which is companies can create structures. Companies can create new types of environments to solve our problems. We can look for places where this happened, and I think one of those places would be with Liquid Labs, and the auto group in Germany. Steve Gotz:                        15:59                     So, the auto group is one of the world's largest retail conglomerates, they own a lot of properties. Six years ago they set up an organization called Liquid Labs, which is really designed to solve hard problems for the organization, and the model there was Liquid Labs would have a budget, they would go to a business unit and say, "Oh we see you're losing $150 million." And these numbers are hypothetical. "We see you're losing $100 million dollars a year on return shipments because we've had issues with the address. We can fix that problem for you, we can fix it in a discoverative way, and if we succeed you now have a new capability that improves your efficiencies." And in fact that's exactly what Liquid Labs did for the auto group, and they drove significant efficiency improvements just with the very strategic application of technology. Steve Gotz:                        16:47                     So, banks have those kinds of opportunities in spade. When we arrived at Umpqua, the number of operational efficiencies the word technology brought to bear was substantial. So, the question is what's the right portfolio, right? What's the right portfolio mix between kind of front facing, consumer applications, and back office? Let's make this engine as efficient as we can make it. Amy Lombardo:                17:12                     So, do you have a thought on that of what is that perfect balance? Is that the next project for people to turn to you on? Steve Gotz:                        17:19                     Well yeah. This is I think why kind of proclamations are dangerous. I think this is one of those places where I think it really depends on the organization, and the state of the organization. When we got to Umpqua, they have just been through a core transition, starting to think about other projects that need to get done. So, there were some strategy decisions and said, "You know what? We're going to really focus on that customer experience while we give the organization time to figure out what's going to be the internal digital transformation strategy." So, that was the right mix for Umpqua. I think you have other organizations that are fairly sophisticated on the front end where they could use focus on the back end efficiency. So, that's a long way of saying it depends. Amy Lombardo:                18:05                     Okay. Fair enough. All right. I'm going to throw this one out to you Steve. Steve Gotz:                        18:08                     Okay. Amy Lombardo:                18:08                     So, we talk a lot about this idea of retailing banking. It's not just banking, it's retail banking, and really these two industries converge together. Would you agree with that statement? Have any thought around is banking really retail banking? Steve Gotz:                        18:23                     Absolutely, absolutely. It's retail, and in my view the bank has a role in that, right? Today and into the future. The bank is an orchestrator of commerce, the bank is at the center of that experience. That's a powerful idea that I think is just coming to. Amy Lombardo:                18:38                     Mm-hmm (affirmative). Right. In any of the work that you do, do you find executives challenged with branch closings, and just trying to find that optimal footprint here, and just some of those challenges that are keeping them up at night around branch locations, and branch size? Steve Gotz:                        18:54                     Yeah, so this is a perennial problem, right? And the problem of a branch is a catch 22. Everybody knows this. The branch density is very high in America. That's for a reason. You ask Americans kind of how they choose their bank. At least up until a year or two ago, branch location, branch convenience- Amy Lombardo:                19:12                     Okay. Yeah, exactly. Steve Gotz:                        19:14                     Was one of the top choices, right? Now what's interesting is it's often the top choice, but when you look at the stats about how often do people go to the branch, they tend not to go in. So, they say it's important, but they don't go into the branch. So, this is the catch 22. You start shutting down your branches, you start kind of reducing your branch density, you start losing those deposits because customers have a fixation with the branch. The way we thought about tackling this was, "Okay. They say they want it, but they don't really go in all the time. So, what do they really want?" And what they wanted was a lifeline. What they wanted was a safety net, a connection. Steve Gotz:                        19:54                     So, we're like, "Okay. If we can give them that same kind of feeling with a dedicated digital banker, maybe the physical doesn't matter as much. Maybe we can reduce the density of the branch network, move to a destination branch strategy, take all of that OPEX off the books while keeping the people, right? And the people are important because they're really key to creating this personalized experience of that digital channel. And if we can do that, we can start right sizing the branch network while deepening the relationship with the customer at the same time. Amy Lombardo:                20:24                     Right. Oh my gosh. I have the perfect example just in my home life. Several years ago, my husband and I, we were going through some sort of refinancing, and we had to have a check physically signed by this particular ... The institution that was through our loan. I'm looking online and I was like, "Okay, I live in Ohio, and the closest is in New Jersey." And there was no options other than take this check physically to New Jersey. Nowadays I'm like, "Well, now we have check box features, and video tellers that I could have made that work." But several years ago luckily we just ironically we have a family member that lived there, and we happen to be visiting, and we went out of our way to go to this bank branch. Amy Lombardo:                21:09                     But it was such a hassle, and just to think how technology has come and crossing those channels, that had been no problem today. But that seems like eons ago, yet it was maybe only like two, three years ago. Steve Gotz:                        21:25                     I mean we've trained consumers to kind of have this unnatural connection to the branch. Amy Lombardo:                21:31                     Right. Steve Gotz:                        21:32                     Actually, that's not entirely accurate because at a certain point it was natural. Before a lot of the digital technologies we have today, that branch network was really valuable. We're getting to this point now where it's not so valuable we can right-size it, but the burden is on the industry to weening customers off that expectation, to show customers that we can deliver you the exact same experience through our digital channel, and it doesn't matter if the branch that you normally go to around the corner isn't there anymore because you're not going into it that often anymore. Amy Lombardo:                22:02                     Right. But of course it's just finding that balance of how often do you still need that physical interaction to potential create that emotional connection versus, "I just need the quick, easy transaction here." Steve Gotz:                        22:14                     Yeah. So the idea behind Pivotus Engage, which was the platform that we've built as over time if a customer can chat with the same person over, and over again they're going to develop a relationship, right? A professional relationship, and they're going to start trusting this person. And this is important because bankers used to be trusted. Over the last decade though, that trust has waned. So we're like, "How do we get back to that?" It's the same person, same conversation, interacting with the customer over time, and at a certain point the customer is like, "Yes, I need help here. I need help there." Right? Steve Gotz:                        22:47                     You can almost see the switch flip in the relationship where the customer starts to trust the banker on the other side, and that's when magic can happen because when you're in that trust space relationship with the customer, you can then advise, you can then recommend, you can then orchestrate commerce, right? Which is what we're talking about. Amy Lombardo:                23:07                     Yeah. Steve Gotz:                        23:07                     Then you can be able to play with that relationship, and if you can get there, that's where I think exciting things happen in the industry. Amy Lombardo:                23:14                     Okay. So, Umpqua came up with this or you helped with this engagement platform, and really the idea in general around experience platforms. Of course, there's obviously the personalization aspect, but what also is necessary to enable them? Steve Gotz:                        23:32                     I think you'd be from the top down of the organization. So technology is easy, right? I mean building the underlying tools to create new experiences. That's easy. Our experience is most people that are working in the bank, they want to do more. They want to help their customers. The want to support them. I think the critical element is the will, the drive, and the impetus from the top of the organization. From the board and the CEO to say, "We're going to do this." Right? "We're going to make an investment in creating new experiences for our customers. We're going to make an investment in retrofitting our technology organization so that we can create these new experiences." Steve Gotz:                        24:11                     I think without that kind of top down commitment, you end up with what we were talking about at the beginning, which is innovation theater. Amy Lombardo:                24:19                     Yeah. Steve Gotz:                        24:19                     Because the kind of change we're talking about, it takes time, it takes commitment, it hurts sometimes, right? Because people have to change. That only happens if that commitment is there within the C-Suite. Amy Lombardo:                24:31                     Got it. So, and maybe that's a good closing point here, and just getting that buy-in from the highest level. Is there anything else maybe you'd want to share with our listeners here on ways to think about how they're transforming their business? Steve Gotz:                        24:48                      Yeah. So, I think what I would leave people with is there's this emerging zeitgeist in Silicon Valley, which is we're entering the age of the big company, right? We're entering the age where having a good idea isn't enough. To actualize that good idea you need data, you need distribution, you need customers, you have capital. All of those things live within the four walls of every company out there, every bank in America who has these things, and I think the opportunity is to find creative ways to leverage those assets in new and different ways, right? I think it's somewhat presumptuous to suggest that the banking industry is facing its Kodak moment because I don't think it is. Steve Gotz:                        25:28                     I think the banking industry has never been better positioned to control its own future, and that's what I'm excited about, and that's what your listeners should be excited about. Amy Lombardo:                25:36                     Very good. Well Steve, this was an awesome conversation. I got a lot out of it, I hope our listeners do as well, and thank you of course for taking the time to be with us, and to our listeners for tuning into this episode of COMMERCE NOW. To learn more about this topic, log onto www.dieboldnixdorf.com. Until next time, keep checking back on iTunes or your podcast listening channel for new topics on COMMERCE NOW.  

Carrie McIntyre, CFO, Interstate Hotels & Resorts | Bill Korn, CFO, MTBC | Andrew Eisele, CFO, JW Player | Barak Ben-Gal, CFO, Symphony Talent |Michael Picchi, CFO, Allconnect |

Join us when Mike Picchi, CFO, Allconnect, exposes the innovative leadership path that makes Allconnect’s customer experience a central component of its finance function