Podcasts about ITMS

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Play Episode Listen Later Aug 28, 2023 29:28

INTERNATIONAL THOMAS MERTON SOCIETY, Presidential Address for "Sophia Comes Forth Reaching": the 18th General Meeting of the ITMS. Dr. Christopher Pramuk is Regis University Chair of Ignatian Thought and President of the International Thomas Merton Society. He is the author of six books, including two award-winning studies of the famed Catholic monk and spiritual writer Thomas Merton, as well as, as well as Hope Sings, So Beautiful: Graced Encounters Across the Color Line, a meditation on race relations in society and church. Chris's latest book, The Artist Alive: Explorations in Music, Art, and Theology, draws from his many years of using music, poetry, and the arts in the classroom. Chris lectures widely around the country and has led retreats on topics such as racial justice, Ignatian spirituality, and the witness of Thomas Merton.

Insights on Innovation: Best of Believe in Banking

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Play Episode Listen Later Jul 26, 2023 15:01

In this special summer episode on banking innovation, Sean and Gina look at change in financial services at the institutional and industry level. With data and insights gathered from the financial services sector's most influential gatherings, they discuss new ways that banks and credit unions usher in upgrades to meet customer expectations, while driving more efficiencies in the branch network. They discuss deploying digital solutions and ITMs that go beyond omnichannel, into a total experience journey, and share examples of forward-thinking organizations focused on future-proofing and growing their institutions. This podcast is hosted by ZenCast.fm

Patrick F. O'Connell - Beyond the Blurbs: Thomas Merton and St. Augustine

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Play Episode Listen Later Apr 12, 2023 63:11

Merton's name was associated with Augustine's from the moment his autobiography appeared with comparisons to the Confessions on its cover. This presentation considers Merton's ongoing interactions with Augustine in published works, journals and conferences: his reliance on Augustinian distinctions between cupidity and charity, science and wisdom; his measured evaluation of Augustinian mystical teaching and formulation of just war theory; his appreciative novitiate classes on De Doctrina Christiana; to his hermitage reflections on Camus' university thesis on Augustine. This topic provides a fascinating and illuminating window on the development of various aspects of Merton's own spirituality. Patrick F. O'Connell is a founding member and former president of the International Thomas Merton Society, edits the ITMS quarterly publication The Merton Seasonal and is co-author with Christine M. Bochen and William H. Shannon of The Thomas Merton Encyclopedia (Orbis, 2002). He has edited twelve volumes of Thomas Merton's monastic conferences, most recently Liturgical Feasts and Seasons (Cascade, 2022), as well as Merton's Selected Essays (Orbis, 2012), Early Essays, 1947-1952 (Cistercian, 2015) and Cistercian Fathers and Forefathers (New City, 2018), as well as Merton & Confucianism (Fons Vitae, 2021). He is professor emeritus at Gannon University, Erie, PA.

Believe in Banking Podcast: The Growth Edition

Delighted Customers Podcast

Play Episode Listen Later Feb 22, 2023 15:01

In the “Believe in Banking Podcast: The Growth Edition,” Sean and Gina discuss ways that banks and credit unions are meeting the industry's the imperative to grow. They discuss how financial institutions determine the right formats and the right markets, including hub-and-spoke clusters with flagship locations in high opportunity areas and smaller branches, ATMs and ITMs dotting the network for support. They address needed investments from the brand to the branch to maximize opportunities and discuss the critical role of a financial institution's brand as a differentiator, priming banks and credit unions for change as they expand their influence. This podcast is hosted by ZenCast.fm

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ITMs: Virtual, with a Human Touch, Carla Higgins, SVP, Director of CX, CNB Bank

Play Episode Listen Later Dec 15, 2022 47:06

Carla Higgins has made a career in the banking industry and held many positions. She knows banking from the inside out.Today we talk about the evolution of banking and how Covid accelerated the rollout of ITM's and how they may be a cost effective alternative to the traditional brick and mortar model.She breaks down the Interactive Teller Machines:What problem do they solve?How can they improve the customer experience?How can they reduce operating costs?What resistance did she experience?And the question burning in everyone's mind - is there actually a bank branch in Punxsutawney, PA or is that just a rumor some groundhog made up?Carla HigginsMs. Higgins joined ERIEBANK as a Community Office Assistant Manager in July 2006 and has since held positions as Community Office Manager, AVP/Regional Administrator and AVP/Commercial Lender prior to accepting the newly created position of CNB AVP/Quality Assurance Manager, for all divisions of CNB Bank, in September 2017. She was promoted to VP/CX-Quality Assurance Manager in June 2018, and SVP/Multi-Experience in October of 2021. As SVP/Multi-Experience, Ms. Higgins oversees bank-wide strategic initiatives based on client and employee experiences. In addition, her early Client Experience accomplishments include the establishment of Multi-Experience Customer Service Center and service metrics, implementation of call recording, bank-wide phone conversion, live chat enhancements, ITM (Interactive Teller Machine) integration, implementation, deployment and adoption strategies, and ongoing ITM initiatives. Raised in Erie, PA, Ms. Higgins is a graduate of Mercyhurst Preparatory School, earned her B.S. in Business Administration with a focus in Marketing from Edinboro University, and her M.B.A from Gannon University. She is also a 2017 graduate of CNB Financial Corporation's Leadership Institute. She volunteers her time serving the Erie community on the Board of Directors as Chair for VisitErie, Board of Trustees Secretary for Mercyhurst Preparatory School, and a School of Business Advisor for Edinboro University. Connect on LinkedIn: https://www.linkedin.com/in/carla-higgins-301261195/

Biggest Banking Trends of 2022, Pt 2

future banking institutions zencast itms

Play Episode Listen Later Nov 16, 2022 15:01

In part two of the “Biggest Banking Trends of 2022” special episode, Sean and Gina take stock of what's on the minds of banking leaders in these unprecedented times. They look at ways banks and credit unions are making banking better for people as they navigate post-pandemic uncertainty, especially through a focus on financial wellness. Institutions are also making headway by looking at their organizations through the lens of a challenger, understanding that change doesn't have to come through fintech-style innovation. Future-focused banks are successfully leveraging their existing strengths, like locality, and strengthening them with smaller formats and hybrid tools like ITMs. So, as banks get more efficient, they also can amplify customer experience at the same time. This podcast is hosted by ZenCast.fm

2022-10-11 - Julianne Wallace - Of Messengers of Peace: A Liturgy for Our World in the Voices of Merton and Francis

Small Talks, Big Ideas with Steve

Play Episode Listen Later Oct 12, 2022 61:14

JULIANNE E. WALLACE Of Messengers of Peace: A Liturgy for Our World in the Voices of Merton and Francis Please join us for a special Tuesdays with Merton as we gather to celebrate a liturgy for peace. This service, integrating music, readings, poetry, and reflections from the wisdom of Thomas Merton and St. Francis of Assisi, will provide a moment of reflection during times where peace often seems just out of reach. We invite you to be renewed and nourished in the wisdom of Merton and Francis. Dr. Julianne E. Wallace is Vice President for Mission at Saint Mary's College in Notre Dame, Indiana. She holds a Doctor of Ministry in Educational Leadership from Virginia Theological Seminary, a Master of Theological Studies in Word and Worship from Washington Theological Union, and a bachelor's in Music Performance from the University of Mary Washington. She has been active in Franciscan higher education for almost twelve years, most recently as Vice President for Mission and Ministry at Alvernia University. She served as Associate Director of Faith Formation, Worship, and Ministry at St. Bonaventure University in New York. She has been an active ITMS member since 2015, site-coordinator for the 2017 Annual Meeting and coordinating the liturgical life at many other ITMS conferences.

Kelly Nix and Dustin Haynes (REV Federal Credit Union)

Play Episode Listen Later Sep 27, 2022 57:59

Join Steve as he sits down with a couple of folks from REV Federal Credit Union -- Kelly Nix, their Public Relations Coordinator and Dustin Haynes, their Public Relations Manager. They chat about ITMs (say what!?), why community financial institutions are so special, and how to #UpTheGood, year-round.

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Future-Proofing Financial Services

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Play Episode Listen Later Sep 14, 2022 15:01

As industry conferences return live and in-person, we're back on the speaking circuit and learning anew what's on the minds of banking leaders. In this episode, Sean and Gina discuss themes coming out of major banking conferences like Future Branches and how the war for talent is presenting real challenges for banks and credit unions in our new pandemic normal. They dig into recent data on branches and find that the numbers of closures don't tell the full story of institutions rationalizing and reinvesting in their overall network – where a decrease in branches can actually create a net increase in experience. Armed with real-world examples, they discuss innovative ways that institutions are getting more efficient while upgrading the service to their clients at the same time and discuss how banks embrace innovations like digital solutions and ITMs to future-proof their organizations. This podcast is hosted by ZenCast.fm

Gordon Oyer - Re-Visioning a Fragmented World: Learnings through Merton's Letters on Social Change

SuperPoker Portal Esportivo

Play Episode Listen Later May 11, 2022 58:51

Beyond his prolific publications, we know Thomas Merton for his vast, diverse readings and massive output of correspondence. This session explores perspectives on peace, race, and ecology that Merton shared in his apostolate of letters. It connects these views with reading materials that informed his thought and helped address his recipients' immediate concerns about those social dilemmas. It also highlights how his responses spoke beyond their immediate context and, as Daniel Berrigan stated, timelessly “unmasked the spiritual forces which lie under the appearances of things” and remain at play in our own time. Gordon Oyer is the author of Signs of Hope: Thomas Merton's Letters on Peace, Race, and Ecology and Pursuing the Spiritual Roots of Protest, which reconstructs Thomas Merton's 1964 retreat for peace activists. Over the past decade he has presented papers at several ITMS and Thomas Merton Society of Great Britain and Ireland conferences, and he has published articles in The Merton Annual and The Merton Journal as well as book reviews for The Merton Seasonal. Oyer received his MA in history from the University of Illinois—Urbana-Champaign. He currently resides in Louisville, Ky.

Pokercast - Episódio 208 - Paulo Gini - Parte 01

Play Episode Listen Later Feb 25, 2022 91:22

No Pokercast 208, discutimos a aprovação da PL442 na Câmara dos Deputados, conversamos sobre o anúncio de torneios e datas da WSOP 2022, celebramos os 4 anos do Pokercast no Superpoker, falamos sobre o anúncio da presença de Felipe “Mojave” Ramos no Flow Podcast, discutimos sobre a aposta de perda de peso entre Doug Polk e Bill Perkins e falamos da volta do High Stakes Poker e da aproximação do BSOP São Paulo. O entrevistado é Paulo Gini, três vezes top 10 do Hendon Mob em números de ITMs e jogador conhecido e querido pela comunidade de poker brasileira. Gini conta tudo sobre sua vida, carreira e fala sobre sua incrível coleção de memorabília de futebol. BODOG - GANHE ATÉ 100% DE BÔNUS E TICKETS PARA PRIMEIROS DEPÓSITOS! USE NOSSO LINK E ABRA SUA CONTA: https://spkr.cc/Bodog Entre no grupo da Duart Tips, clicando aqui: https://t.me/duarttips Baixe o app do Suprema Poker na Play Store e App Store! Jogue no Stars Poker Club: starspoker.com.br Abra sua conta no Pay4Fun: https://spkr.cc/Pay4Fun Telegram do Pokercast: (031) 9-7518-9609 Assine nosso podcast (copie e cole esse link no seu aplicativo de podcasts preferido, ou procure por Superpoker ou Pokercast!): https://feeds.soundcloud.com/users/soundcloud:users:174415076/sounds.rss Você pode ouvi-lo pelo iTunes, WeCast entre outras plataformas de sua preferência. Toda semana, um episódio novo! E também estamos no Spotify, Deezer e Amazon Music!

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Is Video Banking Affordable?

Executive Innovation Show

Play Episode Listen Later Feb 3, 2022 4:19

Today, we're gonna be talking about a question we get all the time — is video banking affordable?So the one bucket I want to break down on is video banking and the ROI. We have a great ROI calculator that you can click on here in the show notes and see your actual video banking ROI for your individual bank or credit union. But really the ROI comes from several different buckets.It comes from, on average, a 20% efficiency in your workforce. It comes on the increased conversion rate on your website, traffic, reducing application abandonment rate, increasing the conversion rate of new customers. Then it also comes from the relationship management side and increasing wallet share with existing customers.The second bucket I wanna talk about is staff optimization. A lot of banks and credit unions have reduced their staff in certain locations with centralized hubs, with smaller micro branches and the ability whether somebody comes into a physical branch and you only have, you know, one business banker in that location.They're tied up for the next 20 to 30 minutes, having a cove or cubbie where you have video banking to connect that person to another business banker in a different location really allows you to optimize that staff across locations.That really goes into number three, as well as the physical branch, and real estate is not as important in the banking community anymore. Expanding your market share without spending on average 2 million per physical branch location with video banking.It really allows you to expand into markets where you do not have a physical branch or expand into markets that are outside of that five to a seven-mile radius of driving distance. So it allows you to acquire new customers and hire folks in a centralized hub, in a centralized location to support those markets.The last one that I wanna talk about is: is video baking affordable? Comparing it to ITMs. And so as we look at interactive teller machines and the average cost being $80,000 per hardwired ITM, that is only good. If somebody is driving to that existing branch location, and if they're an existing customer, it doesn't support new customer acquisition. And in comparison to one ITM at $80,000, the average video banking customer is spending about $1,500 a month or $18,000 a year.That is not tied to a physical location. So if we compare the 80,000 to 18,000 and the average span has a minimum of three videos ITMs, we're really comparing 18,000 to $240,000. So food for thought on answering the question is video baking affordable. You could click more to really look at our optimizing branch workforce white paper, an infographic, and really walk through that, play around with the ROI calculator. As you're looking at your budgets for 2022, asking "Is Video Banking Affordable?" make sure to schedule a demo today to see for yourself.Support the show (http://www.helpinghumans.care)

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Doug Hertler - Merton, You and Me: The Reality of Life in the Paschal Mystery

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Play Episode Listen Later Jan 12, 2022 64:10

Surrounded by suffering and death, we believe in redemption and new life. Besieged by every form of war, we hope for peace and the coming of God's Kingdom. Where is war present in your life? Is it only experienced “out there,” or can it be found “in here” as well? Have you identified an enemy to destroy? Are you sure that enemy is not yourself? Excerpts from Doug's play “Merton and Me – A Living Trinity” and these words of Thomas Merton will guide our reflection: “Life and death are at war within us. As soon as we are born, we begin at the same time to live and die.” Douglas Hertler (aka Doug Lory) is a professional actor, playwright, retreat leader, and NYC tour guide. He also works at Fordham University School of Law as an actor/educator. His one-man play “Merton and Me – A Living Trinity” debuted in the fall of 2018 for the Corpus Christi Chapter of the ITMS. Doug spent the month of January 2020 living with the Trappist community of Mepkin Abbey as a monastic guest and will be performing his show there in February. He also serves on the board of the American Teilhard Association. His website is www.mertonandme.com.

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What you should know before implementing Interactive Teller Machines (ITMs) | BankTalk Episode 34

BankTalk Podcast

Play Episode Listen Later Dec 13, 2021 21:23

Terry Greenley, Chairman of County Bank, shares his stories about why they implemented Interactive Teller Machines. Terry discusses costs, benefits, and some lessons learned after five years of managing an interactive teller machine network.BankTalkPodcast.comRemedyconsult.net

Banking 2021, Part1: Trends & Topics That Defined The Year

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Play Episode Listen Later Nov 17, 2021 15:01

In this special episode, we take a look back at the trends and topics that defined 2021. Sean and Gina discuss how banking provided short-term solutions to challenges and what opportunities opened up because of the pandemic that will endure. They spoke specifically about banking's balance of technology and human consultation, and the staff that it takes to be at the right place at the right time for customers and members. With clear eyes, the two hosts all but predicted the increasing deployment of hybrid solutions like ITMs and smaller format branches that are transforming the consumer banking experience post-pandemic. This podcast is hosted by ZenCast.fm

Kathleen Tarr - From the Inner Frontier to the Last Frontier: Thomas Merton‘s Alaska Journey

Morning No. 1 Lucknow with RJ Payal

Play Episode Listen Later Nov 10, 2021 71:23

Thomas Merton's journey to Alaska, a sojourn of seventeen days, has been rendered mostly as a "blip" within his remarkable biography. Yet the mysterious frontier suddenly surfaced to captivate him. Though short in duration, Merton's experience of the vast terrain, along with the talks he gave, were profound in spiritual insights. This presentation will explore that untold story, along with visual images of the places Merton experienced and photographic images taken by Merton himself. Kathleen Tarr, longtime Alaskan, lives and writes under the Chugach Mountains in Anchorage. She is the founder of the Alaska Chapter of the ITMS and author of We Are All Poets Here: Thomas Merton's Journey to Alaska – A Shared Story about Spiritual Seeking (2018). Her essays have appeared in We Are Already One: Thomas Merton's Message of Hope (2015) and Merton & Indigenous Wisdom (2019). She is a member of the ITMS board of directors, PEN America, and the Alaska Historical Society. She draws inspiration from contemplating the spiritual geography of mountains.

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RJ PAYAL- Talking about ITMS system!

Play Episode Listen Later Jul 2, 2021 1:46

RJ PAYAL- Talking about ITMS system! See omnystudio.com/listener for privacy information.

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CU 2.0 Podcast Episode 153 Jon Voorhees on What You Do Not Know About Smart Branching

The CU2.0 Podcast

Play Episode Listen Later Jun 16, 2021 55:56

Jon Voorhees has spent his work life optimizing branch performance. He has headed initiatives where an institution added hundreds of branches and he has headed initiatives where hundreds of branches were closed. His last job at a financial services company - he now is a consultant based in Washington State - was as a senior vice president at Bank of America and you can guess how many challenges he faced at that bank.But he knows credit unions too and in recent years has worked with a number on a simple question: how to optimize the branch strategy. The question is easy to ask but hard to answer, especially since so much that impacts branching, from the pandemic to financial technology, keeps changing.One thing Voorhees is adamant about: branches aren't going way.Another thing: branches make for remarkably effective billboards for financial institutions. Maybe you cannot afford a sizable ad daily in your local newspaper, but a properly positioned branch, with the right kind of signage. just may succeed in reminding your community that you are still thriving, still ready to help with their financial services needs. This is a wide ranging conversation, something of a primer on branch optimization,Along the way you will find out where in supermarket branches make sense (or not), what could possibly go wrong with a branch that featured a Starbucks, and exactly where a branch needs to be in a shopping center.Personally, I went into this podcast thinking, close'em all. I had come to think that branches had served their purpose and were done. After giving Voorhees a listen, I now believe there is indeed a valuable place for branches in the credit union system - but only when they are smartly sited, tweaked for today's times, and wear the right, eye-catching signage. And many institutions just aren't getting that right.The fixes are in this podcast.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comFind out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

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Why 'full-functioning ATMs and ITMs' are here to stay

Mobile Payments Today

Play Episode Listen Later May 26, 2021 10:33

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What is Digital Banking? ITMs, VTMs, and Video Banking

Executive Innovation Show

Play Episode Listen Later Jan 14, 2021 8:50

Welcome to the Executive Innovation Show Podcast, brought to you by One Touch Video Banking. During this podcast hear host Carrie Chitsey, talk about digital banking trends in 2021. Listen to this episode of The Executive Innovation Show Podcast as we discuss what exactly digital banking is. Listen as we break down the difference between ITMs, VTMs, and Video Banking. Carrie Chitsey led the CRM Financial Services practice in Big 5 Consulting and then went on to own a financial services contact center. She has advised some of the largest banks in the US. Since founding one of the first mobile companies in the US in 2008, she is known in the industry as a leader in digital/mobile innovation. Named Top 50 Mobile Executives in the US, Top 100 Female Founders, and Top 40 Marketing Execs in the US. She hosts a podcast “The Executive Innovation Show" and is published in many magazines and online resources.ITMs and VTMs First ITMs and VTMs are sometimes used interchangeably. Whether it's an interactive teller machine and that interactive teller machine is through video, then it's typically a video interactive teller machine. A lot of banks and credit unions have put a lot of strategy around having that face-to-face connection with their existing customers. ITMs vs Video Banking One of the top priorities for banks in 2020 and 2021 was implementing video banking. Banking executives that have seen true video banking solutions have completely changed their mind on their ITM and VTM strategies. Video banking significantly lowers costs and allows critical customers to stay home without driving to a location, convenience is key. This also allows you to broaden the footprint to open it up for acquisition. Acquisition and Servicing via Video Banking Video banking is for acquisition and servicing. From an acquisition standpoint, having video banking, right on your website, where you're spending your digital marketing dollars and driving your acquisition efforts - will help with your conversion rate and help build relationships. You now have a competitive advantage right out the gate. Increasing Conversion & Retention Rates with Video Banking Video banking helps with retention and your NPS and C-SAT scores. With video ITMs, you might move a slight needle on that. Not on retention, but on customer service, especially if it's after hours or the teller lines are close. But from a retention standpoint, building that relationship, having that relationship manager being proactive with that is going to move the needle. If you have any questions for this podcast if you want to ask our next guests that are coming up, feel free to submit questions, let us know what you want to hear on the Knowledge Knugget podcast in 2021. Download the playbook and stay tuned to our weekly episodes of the Knowledge Knugget to learn more best practices and tips on how to incorporate video banking and digital transformation into your bank or credit union.Listen to the video banking podcast and subscribe to the podcast and rate us! Have a Knowledge Knugget idea? Reach out and submit today. Support the show (http://www.helpinghumans.care)

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Jonathan Montaldo - Thomas Merton’s Contemplative Exercises for Entering the School of Our Lives

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Play Episode Listen Later Dec 9, 2020 59:40

Exercises in Merton's journals can mentor our lives, producing epiphanies of the graced interdependence of all things.Jonathan Montaldo served as director of the Merton Center and as ITMS president. He co-edited The Intimate Merton. Renditions of Merton’s writing include A Year with Thomas Merton, Dialogues with Silence, and Choosing to Love the World. A co-general editor for Fons Vitae’s Merton series, he presents Merton retreats.

Credit Union Joe is Disrupted with Josh-Featuring Josh Banta-ITMs

Disrupted with Credit Union Joe

Play Episode Listen Later Sep 2, 2020 20:30

Credit Union Joe talks with Josh Banta about the future of interactive teller machines.

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Ep 49: Bachelor Tutorial

Nerd Tutorial Podcast

Play Episode Listen Later Mar 14, 2020 124:20

Topic: Bachelor Series Tutorial This week, the roles are reversed, and rather than our typical host being in the driver's seat, Mom is instead. That's right, Mom is leading this week's Tutorial, along with next weeks Review of the Bachelor series. A show that frankly I was watching but didn't have a huge amount of knowledge or background on. I'm watching it for the Train Wreck that it is, Mom's watching it though... for the Train Wreck that it is, but she knows so much more about than me for once. Come watch as I learn something this time around. Inception: Debuted March 25, 2002 Seasons: Bachelor 24 Bachelorette 16 First 4 years Bachelor filmed two seasons per year Bachelor films mid-September to mid-November Bachelorette films mid-March to mid-May Each airs approximately 10 episodes + After the Final Rose, sometimes 11 25-30 Contestants; takes 6 episodes to get down the “Final 4” Homes Town Dates Fantasy Suites Men/Women Tell All Meet the Parents/Last Chance Date/Rose Ceremony After The Final Rose First Night begins around 7pm with arrivals; goes into the following morning so that the Bachelor can have at least 5 minutes with each girls. A Group Photos is taken around 5-6am, then the first eliminations, usually 5 – 7 contestants, takes place. First two weeks are filmed in “The Mansion”, Villa de la Vina, a 7,590sf, six bedroom, nine bath home in Agoura Hills, Ca The next three episodes feature 2 “group dates” and one One-on-One, filmed on consecutive days; not all contestants get dates each week. What the show refers to as a week is actually 4 days filming. After the “3rd week” (usually 10 days into filming), the cast will travel domestically for four days (2 groups dates, a 1-on-1 and Rose Ceremony), then the next episode (down to 8-10) will travel internationally for the next two episodes to get to Home Towns. Home Town dates take place in the contestant’s hometown and take 9-10 days to film: travel – date – travel – date – travel – date – travel – date – travel – Rose Ceremony. Each features a day time activity and then diner at the parent’s “Home”. Homes are frequently Air BNBs or borrowed homes of friends. The Bachelor can usually identify at least three of the four he thinks will be getting home towns a week or two in advance so that a Logistics Team can scope out possible filming locations or create ideas for dates, arrange performers, ect. Fantasy Suite Dates: The Final Three are given “Fantasy Suite” dates. A full day activity and then a Night Time very private date in a romantic setting at a hotel. At some point during the “Dinner” the couple “finds” a card from Chris Harrison that reads “ X and X, here is a key. If you decide to forego your separate rooms, please enjoy a night in this fantasy suite.” There have been Bachelor/Bachelorettes who have told their “Date” that they wanted just to spend the time talking and not use the suite, or have broken off the date during the day time portion (Desiree and Andi). There have been contestants who have declined going into the Suite. Helena (Aaron), Becca (Chris S.) Luke P., Madison. Constantine declined Ashley. Dates are filmed: travel – overnight – day off – overnight – day off – overnight – Rose Ceremony. Contestants (with the exception of the current season) are kept separated so that they can’t talk between themselves. They are together during Rose Ceremonies but not allowed to converse. Meet the Parents/Last Chance Date/Rose Ceremony One or two night event. Takes a week to film: Travel – #1 meets the parents - #2 meets the parents - #1 Last Chance Date - #2 Last Chance Date – Ring Selection – Rose Ceremony After The Final Rose Filming ends 10 weeks (Bachelor), 6 weeks (Bachelorette) before airing. During this time, there are “Safe House” visits for the couples, often in Palm Springs. At AFTR, the “runner-up” talks with Chris Harrison and then the Lead to get closure. The Lead and the Winner reunite and talks about their plans. Some seasons the next Lead is introduced and meets 4-6 of their Contestants. Recurring themes: The “Interupt” The “Comeback” The “Unexpected New Contestant” The “Departure”/Self Elimination Spinoffs: Bachelor Pad Bachelor in Paradise Bachelor Winter Games Bachelor Presents: Listen to Your Heart This summer, Bachelor Summer Games International: Canada, Australia, United Kingdom, New Zealand, Romania, Brazil, Japan Live Shows: Bachelor Live Leads: Twice a Lead wasn’t chosen until mid-way through the first episode: Byron Velivk and Jay Overbye Kaitlyn Bristow and Britt Nilsson Unusual Endings: 10 – Brad Womack didn’t propose to either woman and left single (only time ever happened) 13 - Jason Mesnick was pressured to choose Melissa because Molly Malaney told producers that she wouldn’t accept a proposal. He broke up on ATFR and later married Molly 18 – Juan Pablo famously wouldn’t propose to Nikki, or tell her he loved her, only that he liked her very much. 22 - ArieLuyendyk Jr choose Becca but later had a change of heart and broke-off in a filmed “Safe House” visit to pursue Lauren who he proposed to on ATFR. They married 1 year later. 23 – Colton Underwood “jumped the fence” during Fantasy Suite Week and tried to leave the show when he realized that producers had brought in Cassie’s father to talk her out of going further. He later cut loose both of the other remaining contestants to pursue Cassie. They did not get engaged. Marriages: Bachelor 13 – Jason Mesnick& Molly Malaney 17 – Sean Lowe and Catherine Giudici 22 – ArieLuyendyk and Lauren Burnham Bachelorette 1 – Trista Rehn & Ryan Sutter 7 – Ashley Hebert & JP Rosenbaum 9 – Desiree Hartsock& Chris Sigfried 13 – Rachel Lindsay & Bryan Abasolo Controversies: Environment – Contestants are not allowed TV, books, movies, but encouraged to drink and forced to have “Chats” ITM – In the Moments. ITMs are supposed filmed during events, but contestants are frequently called back during editing, weeks later, to refilm segments. Fans point to differing earrings, length of beards or hair as proof. Frankenbiting – Frankenbiting refers to the editing of dialog out of context, out of order within a conversation, or altogether parsing words by showing the side or back of someone speaking and inserting parts of dialog from other days of filming. Manipulation by Producers. Villains are created by encouraging contestants to disrupt other’s time w/Leads, encourage contestants to be aggressive, make private visits, encourage tattle telling. Good Edits/Bad Edits. Contestants can get a bad edit simply be refusing to play along. Kelley this season is an example. For the Wrong Reasons: Personal Trainers and Body Builders. There are not very many male contestants with “real Jobs”. Many women are in Pharmaceutics Sales. The amount of time the show takes to film (anyway from 1 week to 8 weeks) prohibits many gainfully employed from participating. Advent of Influencers – many contestants entering the show over the last 5-7 years have been Instagram or twitter “Influencers” who already were advertising products. Beauty Queens – the last three season have seen Miss America Contestants – at least three per season, all hoping to push their careers. Introduction of Musicians and Models – many thought Luke Pell didn’t get the bachelor gig because he was too openly pushing his music. Jed (winner of Hannah B’s season) openly admitted to Hannah that he went on the show to help his music career. UNREAL – TV Spoof and SNL Satires Blogs and Podcasts!!! The number one way to monetize your Bachelor experience is to Blog or Podcast! Contestant Blogs/Podcasts: Sharleen Joynt (Juan Pablo) – Flare Magazine: Insightful and honest. Not “Bachelor Nation” fed. Olivia Caridi (Chris Soules) – Mouthing Off – Honest, a little snark but well done Ben Higgins (Kaitlyn Bristow, Lead) and Ashley I (Chris Soules) – Almost Famous - Bachelor Nation driven, darlings of production, aren’t going to bite the hand that feeds Nick Viall (Andi, Kaitlyn, Lead) – The Viall Files – Another Bachelor Nation driven podcast Rachel Lindsay (Nick Viall, Lead) and Becca Kufrin (Arie, lead) – Bachleor Happy Hour – the “Official” Bachelor Nation podcast – no spoiler and nothing that would upset Production. Kaitlyn Bristow – Off the Vine – Lots of wine and messy conversation but fun. Non-Contestant Blogs/Podcasts: Reality Steve – most quoted Spoiler, disliked by Bachelor Nation, has been sued by production 3 times Here to Make Friends (Huffington Post) – Gets lots of “big name” contestants AfterBuzzTv – rotating cast of hosts. Bachelor Party w/Juliet Litman (Ringer) – one of the first, good connections and some members of production “Bro-Shows” Rosecast w/ Tim Kennedy – unique Sports like style The E & G Podcast w/Geoff Kieth and Ian Gulbransen. One is a comedian and the other is a tech nerd. Homework Reality Steve Podcast – Interview with Luke Parker Bachelor Happy Hour - Fantasy Suite Week with Chris Harrison Flare – Peter is Giving Victoria F Way Too Much Credit

CU 2.0 Podcast Episode 67 Jesse Boyer COO NIH Federal Credit Union on Branch Reinvention

The CU2.0 Podcast

Play Episode Listen Later Dec 2, 2019 33:00

Biophilic.That's your word for today and it is complements of Jesse Boyer, COO of the $600 million NIH Federal Credit Union in Maryland which is moving at a high speed to open a new branch in Silver Spring that is biophilic in design - meaning it puts you in touch with nature and, in this case, there's a living moss wall.Of course you want to hear more about this. What this podcast is about is a search for a new, more welcoming branch format and, at the new NIH FCU location, ITMs - interactive teller machines - replace ATMs and oldfashioned tellers.The idea is to produce a comfortable setting that is both warm and techie.Some balancing act but the NIH FCU folks think they have the roadmap and in this podcast you will hear about it.You will also hear candid musing about what a $600 million credit union has to do to insure longterm survival. Think acquisitions.This podcast revolves around extremely candid and frank assessments of what needs to be done - in terms of branch reinvention and credit union survival.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

maryland coo federal branch pronto reinvention boyer credit unions atms silver spring biophilic itms cu2

Technology Has Come A Long Way, But What does the Future Hold?

COMMERCE NOW

Play Episode Listen Later Nov 11, 2019 28:25

Summary: Guest Ben Hammersley speaks on his take on how you need to be present today, so you can be future ready for tomorrow. Resources: Hammersley Futures Website Ben Hammersley LinkedIn Profile Diebold Nixdorf Website Transcription: Amy Lombardo: 00:14 Hello and welcome to COMMERCE NOW, your source for FinTech conversations and emerging trends. Today, I have the unique pleasure of talking with Ben Hammersley. He's a globe Trotter and an author an adventure seeker, and he has the most wicked handlebar mustache you've ever seen. And today he's going to give us his take on how you need to be present now so you can be future ready. Sounds easy. Right? Well wrong. Let's get Ben's thoughts. So, Hey, welcome... Ben Hammersley: 00:56 Thank you. Such a pleasure to be on COMMERCE NOW. Amy Lombardo: Oh good. Thank you for that plug. All right, so I'm not gonna be able to do you justice. So why don't you tell us a little bit about yourself? Ben Hammersley: So I'm one of those annoying people that disappointed my parents over the past 20 years by not having a job, they can describe, I'm currently a futurist or is a strategic foresight person. So I run a company called Hammersley futures, and we work with corporations and with governments and some high net worth individuals to sort of help them understand the future and specifically to help them understand innovation and the methodologies behind innovation. And that has come from 10 years of doing that. But, before that I was a technology journalist and I edited wired magazine in the UK and I was a war correspondent in Afghanistan and I've done many, many things. I run a digital studio making digital things for couture houses and luxury brands. And so I have this very strange background, which has come together into this one thing which is helping people understand the nature of innovation. Amy Lombardo: 01:57 Okay. And, and what inspires you about your work? How, did this whole being of Ben Hammersley come together? Ben Hammersley: 02:06 I think what inspires me is sort of two fold. There's this, there's the selfish reason, which is that it enables me to be increasingly eclectic and, and taking lessons and taking influences from, from lots of different things, which is very selfish because I'm, you know, I'm fundamentally sort of unemployable and the regular day job or you know, I'm, how would you put it neuro atypical. And so, so being, having a career where I can travel a lot and taking a lot of input and then synthesize it into something else is a great privileged but also the slightly wider thing. I think the thing that really inspires me over the past couple of years is that I think we've come to a set of methodologies and an approach to our work, which is genuinely helpful for people are at as sort of a holistic level. It's helpful for them in a business point of view, but it's also, I think it's genuinely helpful for them sort of personally and that sort of pastoral care aspect to it. If that's slightly weird way of putting it. Yeah, Amy Lombardo: 03:13 no, that's a unique identifier. Yeah. Ben Hammersley: 03:16 Is actually is very satisfying because, because I get a lot of people coming to me immediately after I get off stage routes out of a meeting or comes to me six months later and say that thing, that approach really changed the way that that I think and it's made my life or my business or you know, whatever it is that they're particularly interested in has made it better. And that's, that's incredibly satisfying. So that's, so I get to, I get to go away and be weird, which is, which is helpful and I, and I get to help people, which is great. Amy Lombardo: 03:47 All right, so we're at a banking conference here. Intersect 2020. So can you give me some examples of areas you think banks are missing the boat? You know, opportunities that they can be capitalizing on. Ben Hammersley: 04:08 So I, I think actually that question really highlights the difference between my approach and, and other futurists or other technologists approaches to these things, which is that I don't think there is a boat as it were or a collection of, of large boats that people are missing or not missing. It's very easy and I am very typical of the sorts of conferences and not just banking conferences but any, any industry conference to say, ah, you know, if you are not paying attention to, you know, subject X or if you're not paying attention to new technology Y then you are than you are falling behind and you're missing the boat as you say. And that's almost universally bullshit to be honest. In the vast majority of those conferences. And the vast majority of those subjects very specifically are things which are overblown and misunderstood and probably aren't at least right now relevant to the, to the individuals in the audience. Ben Hammersley: 05:12 So instead of thinking about the world as in terms of innovation boats that you can get on or not, and if you don't get on them, then you're going to be left behind to continue the imagery. Instead, what I try and teach people is to, is to look at the boat and see if it's something that is suitable for their business in the context of their business. Okay. So another way of looking at this is that the vast majority of futurism that I do, where I, in terms of when people ask me directly, you know, what are the new technologies that we should be paying attention to? Almost all of those technologies aren't things that don't exist yet. They're technologies which do exist and are being used a lot, but they're being used in another place. Okay. And so in a lot of industries you can be very, very innovative literally just by being up to date. Ben Hammersley: 06:02 Right? Banking in the U S is a good example of that. In that, in that if you compare banking in the U S too, as specifically consumer banking, if you, if you compare consumer banking in the U S to consumer banking elsewhere on the planet, you could very easily innovate massively radically for the U S just by being about five years behind Europe or you know, or 10 years behind China, right? Like if you really wanted it to be up to date, just big, just go and do what the Chinese are doing 10 years ago. Those sorts of things. So there is, there is a saying that William Gibson, the science fiction writer said that that the future is already here. It's just not evenly distributed. And that I think is very true. But, but all of these or this sort of talking around this highlights the thing that I like to talk about, which is that innovation is not a step change to a new future that everybody agrees on. Ben Hammersley: 06:54 Instead, it's a methodology of continuous improvement based on your own personal context and the context of your business. And that takes, that looks at those new technologies. It looks at those big boats as you say and says this, the suitable for us is does this, you know, yes, this is getting the front covers of the economist and everybody's very excited about it or whatever. But it isn't necessarily the thing that our customers are most likely to benefit from the most or our business will benefit from the most. And so what do we teach you is a much more holistic and continuous practice of continual mindful attention giving innovation on a daily basis rather than going, everybody needs to be on the blockchain or we're all dead. Amy Lombardo: 07:41 Right? You know, you have this unique thinking on this concept of being present or recognizing what is right around you and you have to be able to capitalize on that before you can look ahead and you maybe unpack that a little bit for me and just give a little more examples. Ben Hammersley: 07:58 Sure. Maybe like some concrete examples of what you see in your business. Sure. So, so let's start actually from the beginning of the talk I just gave, which is that because of the exponential rate of change that we have at this time on the 21st century and rate of change in everything. And you know, as I as I said on stage that that technology and society and culture and business are all interlinked in a fundamental way. When one changes then all the others change in the olden days. So 20 years ago, 30 years ago, technology was, was this specifically technology was the sort of layer on top of business. So you have business and then you have the technology that comes in and makes it a little bit more efficient. Right? Like this fancy bolt-on. Yeah, exactly. And you know, fancy precisely that. And, and the, the CIO of the business or the CIO. Ben Hammersley: 08:48 So the business was probably not even on the board. It's probably one level down at the same level as say the, you know, the facilities manager, something like that. Whereas today, specifically in, in data-driven businesses and financial services and banking are perfect example of that. Your business is what you do with your data and what you do with the data is fundamentally technologically driven and so everything is tied back to the technology, but that technology is so intertwined with the rest of the world that everything changes. Everything else, everything is as a codependent uprising and everything changed. When one thing changes, everything else changes because technology itself changes at an exponential rate because of phenomenon like Moore's law, which is this phenomenon that for roughly the same price every year, you can fit twice as many components onto an integrated circuit, which means that again, speaking roughly every year, computers get twice as powerful for the same price or the same power computer harms in price roughly every year. Ben Hammersley: 09:47 Because of that exponential growth and because exponential growth is itself incredibly difficult for human beings to comprehend because technology grows like that, the rest of the world changes at the same rate and therefore for a futurist like myself, making strategic forecasts, saying what the world's going to be like in 10 years time, I am completely lying, right? I'm just making shit up at that point because it's impossible to do so. And I think we only have to look back over the past three or four years or certainly the past decade and see how society has changed in the past decade or the last 11 years since the launch of the iPhone to today in every aspect of of human endeavor, whether you're talking about business or culture or society or politics or everything, all of that is now utterly unrecognizable compared to where it was 10 years ago. So if I come up to you and say, Hey, this is what the future of banking is going to be like in 10 years time, I'm [inaudible], I'm just making things up and I might be right. Ben Hammersley: 10:39 In which case in 10 years time you'll think I'm a genius, but I'm not going to be right. Right. And nobody's going to be right. And so if we, if you start from the basis, the fundamental basis that, that, that five year plans or 10 year plans are just wrong, then there has to be another way of living your life. There must be another way of actually doing your job if you're a member of the leadership team of a, of a bank. If your job, what to be on the board is to guide this organization into the future. And yet it is structurally impossible for you to predict what the future is going to be like, then you're going to need another way of doing it, right? And so what we came down to in terms of our work is that that other way of doing things is doing it as a continuous process one day at a time. Ben Hammersley: 11:24 And this isn't necessarily new. In fact it's, it's something that was in manufacturing. For example, Toyota invented the Toyota system in the 50s and, and that's what made Toyota. And in a cultural and religious context, you have a lots of people's spiritual practices, which are about continuous improvement. And you have lots of physical practices like yoga for example, where you can't win yoga, right? There's no end game of yoga, but it's a practice that you do every day and you get better at it, but you're always going to get back. You know, it's something you just do unless you're doing very yoga or wine yoga. Well indeed, but that, that, that does actually that's Dan, it [inaudible] other than that magnificent sounding activity, there's, you have to be in the States. This is what we do. It's exactly that. Goat yoga [inaudible] get tired after awhile. This is the thing. Ben Hammersley: 12:19 But the thing of the thing about all these prints is that they're continuous practices. And so we try and look at what would it, what does it mean if innovation is a continuous practice rather than a continuous [inaudible] gentle practice rather than a kind of violence every five years we take on the, the, the new technology and an upgrade to it or half upgrade to it because everyone's confused by it, which is the standard Silicon Valley model of innovation, which is every five years they invent a new thing and everyone goes around and stands on stage and says, if you want us embracing this new thing, then you're all going to die. And so whether it's blockchain or the cloud or big data or AI or whatever it is, and of course those things aren't, that's AIDS, it's just not true. But it's also just not a sustainable method of innovation. Ben Hammersley: 13:09 Right? Yeah. So, so I try and help people do that gradually. And so then the question is how do you do it gradually? And to do it gradually, you have to do it by really asking quite fundamental questions about what it is you do on a daily basis ordinarily and why you're doing them and who you're doing them for and who you're doing them with and how best can you serve those people or how best can you structure your teams or structure your internal processes so that you can put yourself in a position where you can better serve those people. And that involves things like employing more cognitively diverse teams. So you guys as many ideas and as much as much sort of empathy within your organization as you can. It means talking to your customers a lot more. It means paying attention to all of the processes you do and asking yourself on a, on a daily basis, why aren't we doing this in this way? Ben Hammersley: 14:08 Because a lot of the things that many companies do, I've done that way because somebody decided and then that person left and nobody can remember why, but that's way the way they've always done it. And so now that that approach is actually much more uncomfortable than doing the same thing for five years. And then having somebody turn up and say, Hey, now you need to do the blockchain thing. Or Hey, no, he needs to do the AI thing. It's much less comfortable in that everybody fit many people. And I think most people actually through human nature kind of prefer to just sit around doing the same thing and then just to be told what's due next. It's much more complex and much more uncomfortable to be continuously, continuously asking, am I doing the right thing and what am I, what am I? Yes, and what am I assumptions. Ben Hammersley: 14:56 Yeah, exactly. But it's also, it's a daily practice of what am I, what assumptions we make. Eating is what we thought we were doing is the concepts that we had 12 months ago. Are they still true? And asking yourself these fundamental questions. But if you do that, if you do that practice, then very rapidly you bring yourself as an individual and your team and your organization right up to the cutting edge of today. And once you're there and it's become a habit to be there, then the future takes care of itself. And in the vast majority of industries, just being up to date pots, you in the top three and in many industries that puts you into the top one. Because most companies, you know, when it's 2019 you know, in the world it's like 2002 inside the organization. Yeah. Yes. And if you just bring your organization right up to 2019 and you know precisely what it is that you're doing and who you're doing it for and what they want and what you, what you can provide and all of those sorts of things. Ben Hammersley: 15:57 And you get there by asking these quite difficult questions and making these sort of mindfulness practices as it were. If you can get yourself up to that level, then you're profoundly well positioned in a way that all of your robots won't be. So one last question for you. Sure. And you're probably not gonna like me for this question because you just can't predict the future. But I have to ask this question because I want to get a different perspective. Sure. Because you are not a banker. So what do you think the future of cash looks like? So my personal assistant is Chinese and she was on holiday for the past two weeks and she just came back and she went back to her family in China and going Joe. And she was, she was telling me about this a couple of days, you know, a couple of days ago at time about the whole day, you know how it went. Ben Hammersley: 16:47 And she was saying that not only did she never see any cash like physical cash throughout the whole trip, but also she never saw any credit cards either. And this came to the head when she tried to pay for it. She went out for lunch with her brother and she got her wallet out and she'd got her physical credit card out and her brother started laughing at her and she, and she was like, why are you laughing? You may and he lifted up the tablecloth on the table and other than this tablecloth under the glass tabletop was a QR code and he'd already paid the bill by scanning the QR code on the tabletop with the, with WeChat, which is the dominant app in China. And so in China it's, it's incredibly rare to leave the house with any form of wallet or credit card and certainly with any cash now this changes many things. Ben Hammersley: 17:38 It changes fashion, right? Because you only need one pocket, which is the pocket for your phone. You don't really need a handbag apart from other things. Right. But you don't need a purse, you don't need things for carrying money cause it's all on your phone and everybody from market store holders to beggars in the street to the Chanel boutique, take the same payment platform, which is through your phone. That's one possible future. Okay. Yeah. And in some places I can see that becoming, you know, 100% in China and some bits of the U S I can see that being 95% of your day at this if not we chat. But something like Apple pay and contact lists, you know from my, I bought loads of things this morning and bought it with my watch, you know, of through Venmo. Exactly. All of those go out. You just pay each other that way. Ben Hammersley: 18:25 Precisely. And you and you know, and certainly in the UK where I'm originally from contact lists, Apple pay, whatever you want to call it, is pretty much universal everywhere. However, you know, I live in Brooklyn and or on planes or in hotels or in corporate headquarters. And for me to live my life cashless solely through, you know, Apple pay and or my sort of platinum Amex or something is totally doable and perfectly, perfectly understandable future. But whilst my assistant was on holiday, I was moving house from Los Angeles to Brooklyn and I drove across the U S and I drove through the Southern States of the U S and certainly that pigeon forge Tennessee goes cashless will be a good 10 years after Brooklyn, New York or Venice beach, California where I'm sure, and so when you have a conference like, like this for example, which where the audiences are bankers but they're, but they like regional and local bankers as well as like your, the mental image you have, when I say the word bankers, right? Ben Hammersley: 19:30 Those guys, their version of innovation around something like cash or payments or something is going to be different and will be just as innovative, but it won't be the grand myth of a capitalist society that say the cashless society vendors are putting forward. Yeah, right. Yeah. But it will be a bit, it'll be the dominant thing in their region that they correctly work for that work for that thing. Micro society. That's right. Yeah. And then Mike, Chris is, it might be 10 million people. It might be 100 million pieces. Okay, that's fine. And so we'll see. And this is, this has been the same everywhere. You know, if you look at M-Pesa, for example in Kenya, that's been a mobile cash solution that's been there for 1520 years and has been as a major part of their economy. And then you have things like local cash systems where we, a friend of mine again lives in Kenya and is currently doing it, setting up her own currency for a local, for a region. Ben Hammersley: 20:26 Oh wow. And there's quite a few of these around the world where it's physical cash, you know, it's real, the real bank notes, you know, and they're only accepted within that community. And so it keeps economic flow going around the community. And so they're not dollar rich or shillings rich or whatever, you know the Kenyan currency is, but the rich and the local, you know the economic movement hat. Yup. Yup. And again, that's now that's also a solution to the question about what, what does society, what does cash look like? Because that invites you to ask the question of what is cash in the first place and why do we have cash and what is it for and what is the definition of a, of a healthy economy in T? Is it the number on a spreadsheet or is it the movement of money? Is it the fluidity of money rather than this rather than a, a stock somewhere living in a bank account or not moving. Ben Hammersley: 21:19 And any economist who's gotten past the first year will tell you that that is the flow of money. That's the important thing, not the stock of money. And so cash is a pretty good thing to flow around. And so again, the reason I'm being like giving you five different answers, the question is because there are a million different answers to that question or around that every different context and the why is organizations will look at their context of their marketplaces and if they're small organizations will go well here in this place with this group. And when I've spoken to my customers, they've expressed what they want to do and I'm providing them the solution to the thing they want to do. And it turns out the best solution, the thing we want to do is QR codes or the best solution is our own local currency or the best solution is more ITMs. Ben Hammersley: 22:06 And again, this taps into is not a technological thing. It's always a social thing. So having moved from the UK to the U S five years ago, the instant thing that I noticed is the 3% on a bad day, 1% on a good day, you know, surcharge to all ATM withdrawals, right? That's illegal in Europe. Literally illegal. Right? And so one of the features of cash will be, it won't cost anything for me to get cash, for example, because that's because that's a 3% tax on being poor. And in terms of social inequality, that's unacceptable actually. You know what I mean? Spot-on. So, so will you, do you only get to that realization when you start to question actually what is this for? Right. The same thing for, for contact lists, I have the, the Apple cart from Apple and from a product design point of view, the whole process of applying for receiving, activating, using the Apple card, both a digital thing on my watch and on my phone and as a physical artifact when they shipped me the actual metal card, the product design of that, the service designer that is in is astounding. It's, it's a good 10 years ahead of everybody else, right? In the U S beautiful. There's a process, and I've used it a lot today to buy coffee and things, but that's not the future of payments because the future of payments cannot depend on somebody owning a thousand dollar device in their pocket. Right. The future of payments has to include like my five-year-old you turned five two days ago and is now getting an allowance. She gets 50 cents a week because my wife is stingy. Ben Hammersley: 23:52 Earn that 50 well yes, and she has chores to do it. Exactly, but she's not going to have a cashless. If I went to her and said like, yes, I'm going to, I'm going to credit your contact list. You know I'm credit. You're in contact with that physicality, right? Yeah. And she can't park. There are no gumball machines that we'll take. We'll take like Apple pay and gumball machines. That's right. And gumball machines is her big thing right now. And so she's obsessed. And so like for her the best payment solutions is coins, whereas for the nation, the penny makes no sense. Right. For example. Right. And for the user, the U S bank notes are a disaster. They're all the same size and color. Somebody used to redesign those, but now, and I think we're good there [inaudible] it's like it's an impossible question, right. Ben Hammersley: 24:50 Which is why I sort of blooded a path it for what photo booth but to come to this solution. But to answer that question, you have to answer it as an individual and the [inaudible] for an individual and for the companies that services individuals, you can come through, you can come to an answer. It won't be the same as the guy down the street or the person in the one state along. And certainly it won't be one person's four States along any other direction. But for your 100 million people it will be perfect. I think this is a good place. Ben Hammersley: 25:18 Do we have any other impossible solutions? Disposable problems? No. Unless you've got something else up your sleeve, you think fun there. No, I mean, well other than I think this can be an interest. One of the interesting questions as well, once you start these new technologies come along, they do invite people to rethink the fundamental nature of the transaction. Yeah. And once you start to rethink the fundamental nature of the transaction, you then start thinking, well, why am I doing this transaction with this company? And so there are organizations out there and I think the Apple card is the obvious first one of these where if I was a bank I will be terrified that organization deciding to offer those services and this is what we saw in China with WeChat and the other equivalents, but not necessarily with cash accounts like you know consumer banking. Ben Hammersley: 26:10 But something like insurance. Amazon knows everything I have in my house because I basically bought most of it from Amazon. So why I don't have my rental insurance around Amazon is literally a thing that puzzles me on a weekly basis because they could offer it to me immediately. They know, you know, they know where I live, they know about your other thing, right. They know the value of my stuff. They know the end and they also know from that they know all the demographic information they have. I have a 1516 year purchase history with them internationally. I have all of my banking details like they know the risk and everything from all the demographics or there's this thing they could underwrite that trivially will be easy for them. Amazon doing household insurance. I know Facebook has a banking license in Europe. I think the next big thing coming along down the line will be people just going, well I gave all my money to Apple anyway or to to T mode or bottle. Ben Hammersley: 27:06 I don't have that much savings. You know I only have a few hundred dollars in like in the cotton account, you know my checking account anyway, I never write checks. I'll just hold a positive balance with T mobile and I'll just close down my bank of America account, something like that. And it's from an individual person point of view for the vast majority of people will make no difference whatsoever. That's really, I think any of my true regulatory approval because of that. It might not happen here, but it will certainly happen in other places as it has as it does in China. Amy Lombardo: 27:36 Cool. Well thank you for sitting down with me today. This was fun. I feel like I could talk to you for hours. You want to do one more plug for me for COMMERCE NOW. Oh beautiful. Alright, follow him at, @Ben Hammersley and stay tuned for more episodes on COMMERCE NOW.

#Ep 43. Roberto Botelho: Além do Estetoscópio

Saúde Digital

Play Episode Listen Later Oct 15, 2019 54:18

Este episódio apresenta um médico cardiologista que desde 1999 já trabalha com telemedicina. Há 10 anos o Dr. Roberto publicou a seguinte frase em uma resvista de medicina: " O mais importante é perceber nesse contexto macroeconômico que a tecnologia baixa custos e aumenta a qualidade da assistência médica. A telemedicina é uma poderosa ferramenta para descentralizar a complexidade, universalizar o acesso e democratizar a atenção em saúde." Você vai acompanhar uma aula de tecnologia aplicada na medicina por um médico. Um presente de aniversário para o HOST do Saúde Digital. Cadastre - se gratuitamente no Saúde Digital On Demand Conheça por dentro a nossa comunidade de early adopters da saúde! Lá você pode se atualizar com as tendências e inovações do setor da saúde e além disso você vai aprender na prática com quem está fazendo a diferença e protagonizando a transformação digital da saúde. Clique aqui para conhecer o Saúde Digital On Demand. Não fique para trás! Fique Up To Date no SDOD! Fique por dentro do Podcast, Roberto Botelho: Além do Estetoscópio Dr. Roberto Botelho é diretor do Instituto do Coração do Triângulo e também de suas Divisões de Cardiologia Intervencionista e Pesquisa Clínica. Doutor em Ciências pela USP/SP. Além disso é Fundador e Presidente do Uberlândia Medical Center, da iTMS do Brasil. e Co-Fundador da Conexa Saúde. Durante a entrevista o Dr. Roberto destacou a importância do empreendedor ter autoridade formal sobre aquilo que empreende, é preciso ter conhecimento profundo sobre a sua área de atuação. Somado a isso ele chama atenção para a importância do networking e do feedback para um constante melhoramento do seu negócio e do seu mindset empreendedor. Quer continuar aprendendo mais sobre esse assunto? Ouça o episódio do podcast! E-book gratuito: 7 estratégias que você precisa implementar agora para se tornar fluente digital na saúde Participe do Saúde Digital Podcast Deixe-nos saber o que você achou desse episódio! Você tem alguma dica para dar para o Saúde Digital podcast? Quer sugerir um tema? Sua participação é muito importante! Clique aqui para falar conosco. Você pode falar também diretamente com o host Lorenzo Tomé pelo Instagram, Linkedln ou Telegram no @lorenzotome Música usada no episódio: Track: New York — Declan DP [Audio Library Release] Music provided by Audio Library Plus Watch: https://youtu.be/NODdfogvMDY Free Download / Stream: http://alplus.io/new-york

90 Day Fiance Happily Ever After S4 E5 + What Now (Molly)

90 Day Fiance Cray Cray

Play Episode Listen Later May 29, 2019 57:50

Colt delivers lines poorly written by production; Nicole's stepdad asks her the questions that everyone has been screaming out loud in their houses while watching this show; Pedro takes ten shots and does drunk ITMs; We don't remember anything about Ashley, Jay, Pao or Russ. Join our Patreon for extended and bonus episodes! https://www.patreon.com/Realitycraycray Follow us on Instagram @90dayfiancecraycray Learn more about your ad choices. Visit megaphone.fm/adchoices

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90 Day Fiance Happily Ever After S4 E5 + What Now (Molly)

Reality Cray Cray

Play Episode Listen Later May 28, 2019 54:50

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Get This Job and Love It

WaunaTalk

Play Episode Listen Later Apr 9, 2019 12:30

Ian Wiggins of Wauna Credit Union's HR team discusses all the opportunities at the credit union, including the new Video Teller Units.

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Ringers, ITMs, and Oscars

Hear Me This Book

Play Episode Listen Later Feb 20, 2019 67:42

Steven and Brenton are joined ringer Kristian Harloff to talk Bachelor and make some Oscar bets See omnystudio.com/listener for privacy information.

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Ringers, ITMs, and Oscars

Hear Me This Book

Play Episode Listen Later Feb 20, 2019 67:57

Steven and Brenton are joined ringer Kristian Harloff to talk Bachelor and make some Oscar bets Subscribe to What's The Odds? on iTunes, Spotify or wherever you get your podcasts!

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Are Virtual Tellers Right for Your Bank?

Training Matters

Play Episode Listen Later Sep 14, 2016 15:26

When would you install Interactive Teller Machines? What are the benefits? How do they transform your branch? Today we try to answer when interactive teller machines are a good fit for your bank. Honey is joined today by Chuck Gearhart from Salin Bank in Indiana. Salin Bank pioneered the ITMs in Indiana. Listen to what they've learned and discover if you should place Interactive Teller Machines in your branches!

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MC081: MakingChips and Making Melodies: Jason Harrelson and His Trumpet Business

MakingChips | Equipping Manufacturing Leaders

Play Episode Listen Later Sep 13, 2016 25:12

This week: We are coming to you live from IMTS 2016! On this special episode of MakingChips, we welcome Jason Harrelson, founder of Harrelson Trumpets to our IMTS TV studio. Harrelson Trumpets is a leading manufacturer of world class trumpets and accessories. Jason talks about how he got started building custom made trumpets, the process and machining behind it, his experience with Kickstarter, and what excites him about IMTS. Episode Structure: [03:40] - The Beginning [07:02] - The Process [09:05] - Word of Mouth [11:15] - Custom Components [14:30] - What brought you to ITMS? [17:03] - Kickstarter Campaigns Mentioned in this Episode: Harrelson Trumpets http://www.whyharrelson.com Watch Jason play along to our Theme Song! We Want to Hear From You, The Metalworking Nation: jim@makingchips.com jason@makingchips.com ryan@makingchips.com Telephone: (312) 725-0245

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Stu Woods & Leggett HTID BootCamp Entry

#TheBassline On Alive 107.3fm

Play Episode Listen Later Mar 24, 2016 29:54

Stu Woods & MC Leggett - HTID Itms Bootcamp Mix california love edit Eufeion - Exhilirate Alex Prospect - Calypso Lady Dubbz - The Meaning Fully Focused - Bright Lights Mizel & Wilson - Crowd Reaction Dave Castellano Ft Lewis - Waiting MC Eruption Ft Macks Wolf & Yorkshire Ripper - Im Here Diplo & GTA - Boy oh Boy (Gammer Edit) Dextone - Ninja Kid Joey Riot & Mob - This Could Be Love Styles, Dougal & Gammer - We Stay Young Chris Fear - First Serve (Jakka B Remix) Switch Bootleg Joey Riot V Bassline Animals - Mad World Congratulations to everyone who made the finals.. make sure you check out the event page for ITMS... set to be the best one yet!!!! https://www.facebook.com/events/1661103997507146/permalink/1721249574825921/

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マンデーさんの最新作

Play Episode Listen Later Dec 3, 2005 13:51

今回の放送が、たぶん、第90回目の放送になります。マンデー満ちるさんからCDが送られてきました。 Music: Over You / Soular Rainbows / Monday Michiru ※マンデー満ちるさんの曲はご本人にポッドキャストで流すことを許可いただいてます。 Soular SoularというバンドからメールでMP3ファイルを送ってきてもらいました。最新の番組を聴いて気に入ったからというような内容でした。なんとなく好感の持てるメールでしたし、ちょっと懐かしい雰囲気もある曲も気に入ったんで流してみました。Myspace.comへのリンクを貼ってますが、Podsafe Music Networkでも曲があるらしいんで、気に入った方は探してみて下さい。 Liz Phairや Vertical Horizonと一緒にライブをやったみたいですよ。マンデー満ちるさんの最新作以前にマンデー満ちるさんの曲を一度流しました。インタビューというかご本人のメッセージを流せるかもしれないと言いつつ、忘れてました。じつは、録音を失敗したらしく、遅れていたのですが、ちょうどアルバム制作も佳境のようで、お忙しいだろうと思い、あえてこちらからコンタクトは控えていたのですが、突然最新作と前作の２枚が送られてきました。メッセージ付きです。インタビューのことも忘れていないようでホッとしながらも、２枚も送ってもらって恐縮です。ポッドキャストで流した楽曲は、前作Naked Breathからの曲。このアルバムはギタリストのAdam Rogersさんとの、ギターとボーカルのみの演奏といった感じで、素晴らしいギター演奏とともに暖かみのあるシンプルな楽曲。そして、今回の最新作Routesは、ちょうどiTMSで新作アルバムとして紹介されていたMONDAY満ちる FREE SOUL COLLECTIONというベストアルバムでしょうか、こちらの内容にイメージ的には近いかもしれません。この２枚のアルバムはアメリカではArtistShareというプロジェクトでリリースされています。これは、形としては自主制作になるようで、それを支援する仕組みな訳ですが、やはりメリットとデメリットがあります。レコード会社に縛られず、作品を制作・発表できるという意味で、非常にアーティスティックな活動がしやすい部分もありつつ、基本的にPRは自分でやらなくてはいけないということで、資金面では非常にシビアな面もあるようです。そういうこともあって、今回のRoutesは日本ではGeneonというレーベルから、来年の2月8日にボーナストラックを１曲加えてリリースされるようです。ご本人としては不本意な部分もありつつも、資金面で苦しい部分もあり、ご家族の説得でこのような形をとったようです。日本でArtistShareというプロジェクトが知られていないのと、やはり流通面で手が入りにくいのは不便ですね。日本からはGeneonからのリリースということで、手に入りやすくなるのはリスナーとしては嬉しいかもしれないですね。 GeneonからリリースされているマツケンサンバなんかがiTMSで発売されているんで、もしかしたらRoutesもiTMSで発売されるかもしれませんね。ポッドキャストなんかでアーティストを支援していく下地は出来つつも、やはりまだ、レーベルに頼らざるえないのが日本での現状なんでしょうかねぇ。追記：そういえば、このポッドキャストがiTMSの「スタッフおすすめ」に入ってますねー。ででさん、教えてくれてありがとー。

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心の慣性とロケのワケ

garageband josh woodward itms

Play Episode Listen Later Oct 14, 2005 16:05

更新が落ちかかってますが、今後もペースダウンの見込み。というのは・・・。 Cherry / Josh Woodward Photograph / jesushairdo サイトを作ってます。忙しいくせに。ご協力いただける方はご連絡ください。とくにポッドキャスターの方などのご意見を伺いたいですね。以前に[ポ] ポッドキャストのファイルサイズと収録時間というエントリーでJosh Woodwardという方の曲を流しました。このとき、ご本人のサイトで「なんでここにリンクが！」みたいなブログのエントリーがあったんですが、実はGarageBand.comのGarageBand Podcast Studioというツールを実験的に使ってただけで、曲に対してちゃんと言及はしていなかったんですね。このGarageBand.comの中の楽曲はGarageBand Podcast Studioからじゃないといけないみたいで、不便なとこもあって、本当はJoshの曲をまたかけたいと思いつつ、かけれない状況でした。 podsafe music networkに登録されてないかなぁなんて探したこともありましたが、以前には見つけれずだったのですが、最近になって見つけました。しかも結構な数の曲が登録されていました。それに加えて、自身のサイトで公開されている70曲以上の楽曲をポッドキャストで流していいと書いてありました。ということで、以前にも流したCherryをまた流しました。最後に、番組スタイルとして、なぜにいつも外で録音かということを。そうだ、娘は米国版のiTMSでのミュージック・ビデオを見るのが凄い好きだったんですが、iPodが動画対応にあって、iTunes6になったら今まで無料でみれていたミュージック・ビデオがプレビューしか出来なくなりましたね・・・。２歳の娘にアップルの事情を説明するのは酷でした。

利益の使われ方

Play Episode Listen Later Sep 11, 2005 14:44

・曲の利益の一部がチャリティ目的に・チャリティを人に勧めることの抵抗・iTMSのUS版で赤十字に募金できます・ホワイトバンドの利益の行方・iTunes5に歌詞を書くタグが・バントラをiTMSで売る計画 From A Window / DJ COA 選択肢 / Burnet Sienna Trance Downloads for Dollars DJ COAから届いたメールを引用。ダウンロード販売している楽曲、アルバムの一部をチャリティに使うとのこと。 "Downloads for Dollars" is a new program which will raise money for charities and notable causes. Designed by DJ COA, it is designed to bring attention and support for those in need. Starting September 1st, anytime you download the song "From A Window" by Slowmo on iTunes, MSN Music, and other services, thirty cents will go to help raise money for Alec's ABA therapy and school expenses. Many of these costs are not covered by insurance and it is up to the family to pay the bill. You may also contribute by purchasing the new album "Hidden Souls 2" at CD Baby .com! Each cd sold will raise two dollars for Alec's expenses. Take part now in this wonderful program which will raise awareness of autism and its effects on families. To learn more about autism, visit us at the links below. DJ Come of Age "the gift of music to help those in need" http://www.walkingwithalec.com/ あと、サイドバーにPodsafe Music Networkで提供していた、赤十字への募金を募るバナーを貼りました。いずれも、ご自身で確認の上、納得してから募金とかして下さいね。

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フランス語でこんな風に

Play Episode Listen Later Aug 27, 2005 12:15

iTMSのポッドキャスト・ディレクトリーの中の、International→Japanese の中に早くから登録されていたので知っている人も多いと思いますが、日本からこんな風にというポッドキャストがあります。このポッドキャストは日本語で話されていますが、そのフランス語版 Comme ça du Japon の中で、なんとBurnt Sienna Tranceの曲を紹介してもらったみたいです。 Musique de Fin : 旅立の詩 (TabiDachi No Shi) "Le poème du Départ" par Burnt Sienna Trance, en licence Creative Commons grâce au podcasteur japonais "Potaufeu" de My Cup Of TeaPodcast CCDJ #6 - Comme ça du Japon blog フランス語で紹介されるバントラ、そして僕のポッドキャスト。微妙にポトフというハンドルネームがフランスの方にどう聞こえるのかが気になりますが。とても新鮮な感じで楽しかったです。バントラの曲は番組の最後に紹介して頂いてます。興味のある方はぜひ聴いてみてください。 Music: Clumsy / Mariana Bell Weightless / Stillman 時間の花〜jun〜 CM by YO-CO. さて、クリエイティブ・コモンズのライセンス曲をポッドキャストしてくれるMusic 4 iPodsですが、Artist Directoryから登録されているアーティストを探せるんですが、かなり前に紹介したアーティストが検索できなくなってました。以前のリンクは生きているようなので、個別ページはあるようなんですが、検索されなくなっている。こういう場合はどうなんでしょうか。また新たに紹介していいものか迷います。と思ったらStillmanというアーティストはpodsafe music networkにあったので、ポッドキャストの中で紹介しました。あと、好きなアーティストでDalton GrantというロサンゼルスのバンドがMusic 4 iPodsで楽曲を提供していたのですが、やはりArtist Directoryから消えている。しかも、podsafe music networkでも見つからない残念です。と思ったらiTunes Music Storeでアルバムが売ってました。しかも日本版のiTunes Music Storeからでも買えるようなので紹介します。また、ポッドキャストで流して良いのか分からなかったので、以前に流した回の放送を紹介しておきますね。 Opium/Dalton Grant 以前の放送 [ポ] ポッドキャストは黒船になるか？

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ポッドキャストと音楽プロモーション