BT_RichClow_Rerelease_2026-03-30_Mix1_MR2650

স্পিকার

• Speaker 1 0:11
• Speaker 2 3:06

1. 0:11

   অধ্যায় 1: Hey, everyone. 174s · Speaker 1

   Hey, everyone. I'm coming to you from Phoenix, Arizona, where I'm recording new podcasts and new videos for you to share and to listen to. Today, I'm going to be doing a replay of a podcast I really enjoyed with Rich Cloud from Bank of Amer…

2. 3:06

   অধ্যায় 2: Thanks, Jim. 60s · Speaker 2

   Thanks, Jim. It's terrific to be here. I see the biggest change actually being around listening to our clients, whether they be corporates or consumers, because I cover both, having a discipline around experimenting responsibly and ensuring…

3. 4:07

   অধ্যায় 3: You know, it's interesting. 301s · Speaker 1

   You know, it's interesting. When you talk about scale, it doesn't mean you have to be a big financial institution, but what we're talking about is you've got to be able to scale within the confines of your own asset class. You know, you've …

4. 9:08

   অধ্যায় 4: payments that's really changed the marketplace, and it goes back a lot further than many of us will remember, is that embedded finance continues to grow. 300s · Speaker 2

   payments that's really changed the marketplace, and it goes back a lot further than many of us will remember, is that embedded finance continues to grow. In fact, it's expected to grow at a rate of well over 20% annually through 2034. How d…

5. 14:09

   অধ্যায় 5: we always encourage people to talk to that merchant first, but they need to know that the bank will aid them in how they help themselves. 300s · Speaker 2

   we always encourage people to talk to that merchant first, but they need to know that the bank will aid them in how they help themselves. And I don't think that the speed of the transaction and the expectation changes for what role your ban…

6. 19:10

   অধ্যায় 6: And again, if I go to the vending machine twice in one day, it's probably not a big deal. 305s · Speaker 1

   And again, if I go to the vending machine twice in one day, it's probably not a big deal. But I think that there's a future where, given my patterns, my purchasing, that maybe Erica would say, I'm going to go ahead and submit this claim unl…

7. 24:16

   অধ্যায় 7: than a startup, but the, the distance between the regulations with like a money service provider and a bank are significant. 302s · Speaker 1

   than a startup, but the, the distance between the regulations with like a money service provider and a bank are significant. So as, as we start to answer questions about how far is a money service provider license and how, how far can that …

8. 29:18

   অধ্যায় 8: will take a lot of experimentation and time to figure out, I believe. 304s · Speaker 1

   will take a lot of experimentation and time to figure out, I believe. You know, it's interesting. It gets time, I think a lot of it gets time to education as well. You know, consumers still don't understand how much more safe a mobile payme…

9. 34:23

   অধ্যায় 9: size transformation portfolio we're delivering on. 304s · Speaker 1

   size transformation portfolio we're delivering on. And if I could just use agentic AI to map my business requirements to test cases, very simple things, or what if I could automate all the rules and regulations for payments into testing, th…

10. 39:27

    অধ্যায় 10: It'll be interesting to see how it plays out. 225s · Speaker 1

    It'll be interesting to see how it plays out. So finally, Rich, I'm just going to completely go off track on what we discussed up to this point, but you've been in the banking business for quite some time. As I said, you're passionate about…