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Sean Murray: We have a story up
on our site today and it's about

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using Siri and Alexa in the
financial world.

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Johny Fernandez: I read this a
little bit of what you posted.

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But you asked Alexa a very
important question.

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Sean Murray: I did. So this was
unprompted. It wasn't for the

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story. I forget how it came up.
Okay. I think what happened was,

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I was at home and I asked a
question that I did not think

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Alexa would be able to answer
question something, it was

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something. It was like it was
something complex. Okay. Almost

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asking in jest. Okay. Right. And
it gave, a very detailed, long

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answer. And I was like, what?
Like, okay, that's way more than

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I expected out of this device,
which I'm really I really use it

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for music for the lights. Yeah.
The temperature, okay. But not a

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whole lot more. Occasionally. I
have used it for like, online

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shopping, like getting groceries
to my Amazon fresh cart. But

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what and so then I said, How
much more did Alexa know here

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that really threw me off. So I
said, Alexa, what is deBanked?

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And I expected obviously, to get
no answer. Right? Like sorry,

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you know, you know, please try
again, or whatever. But instead,

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it's instead, Alexa said
deBanked is your guide to the

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non bank finance universe. And I
was like, what? How do they know

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that? I had nothing to do with
that. No one here in the office

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had anything to do with putting
that information into the Alexa

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knowledge base. And I was just
like, whoa.

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Johny Fernandez: Do you? Do you
talk about work at home?

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Sean Murray: Do I talk about
work? Yeah. I mean, obviously,

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to some extent I talk about
work. It's not from that it

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wasn't listening to it's not
from that it's not from that

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Johny Fernandez: Also do you
like maybe picked up? You know,

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things that you've searched on
your connected devices?

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Sean Murray: Maybe but it gave,
it gave a very definitive

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answer. Okay. And it wasn't like
I had no idea where this info

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came from. It's clear that they
got it from our it's clear that

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Alexa got it from our website.

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Johny Fernandez: So your telling
me is Alexa goes on deBanked.com

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Sean Murray: It had to have gone
it obviously had an internet

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spider, go to our site, because
it read a line from our About As

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page. That's where that
information came from. I'm like

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that exact phrase. I think
that's a tagline we've certainly

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used. It's on our About Us page.
So Alexa had an internet crawler

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internet spider go on site, pull
that information. And if you ask

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Alexa, what is deBanked? Now I'm
assuming everyone's Alexa is

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giving the same answer. Maybe
I'm completely wrong. But when I

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asked the question, it read back
to me exactly what deBanked was,

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as its defined on our website.
That really surprised me. That

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was a whole separate thing that
I was never even going to talk

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about here. The reason that is
coming up is that this company

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called Smarter Loans, they're a
Canadian, FinTech, loan and

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directory marketplace. They put
out their annual FinTech report,

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they conduct a survey every year
of people who have applied for

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online loans. And one of the
questions that they asked was

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whether a person who had saw an
online loan had ever asked Siri

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Alexa or another voice assistant
for information about financial

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services, and 25% of them said,
yes, they had. And I was like,

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Whoa, it never occurred to me to
ask a financial service question

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to Siri. Yeah. Or like do you
have do you have Alexa or Siri

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or what do you have here? She's
right here. Yeah. Oh, Siri oh

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Siri's listening the whole time.
Oh, hi, Siri. Hi.

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Johny Fernandez: Hey, Siri,
how's it going? What is

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deBanked? What is deBanked?

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Sean Murray: Which funny is that
it just brought up my my, my

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contact information in his
phone. So that was somewhat

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somewhat helpful. But Alexa,
Alexa's answer, was obviously

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better suited for all that we're
talking about? It's funny that

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it brought me up. I guess I'm in
your phone as like Sean

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deBanked, which is somewhat
accurate pretty accurate. It is.

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But 25% of people have asked
Siri or Alexa, a financial

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services question. Have you ever
asked Siri Siri has Johnny ever

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asked you about financial
services before? What would she

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say?

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Johny Fernandez: Hey, Siri, what
is financial services? Financial

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services are the economic
services provided by the finance

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industry.

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Sean Murray: Alright, so yeah,
it's one thing to ask about what

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is financial services but I
think I think

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Johny Fernandez: Personally on a
personal level, I have never

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asked Syria or when I go to my
sister's house or my parents

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house, they have Alexa, and I've
never asked specifically hey,

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Alexa, you know, what is? Or
like, you know, what is

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deBanked? I've never done it.
Yeah, um, you know, I'm an old

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soul. So I kind of just do
everything online. Yeah, I'll

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type www.google.com. Yeah, put
in my, my whatever I'm looking

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for. Yeah. Well, I'll go. I'll
go to deBanked. Yeah, for like,

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I hope so. Yeah,

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Sean Murray: I hope that's what
you do. You're you're searching.

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Interestingly enough, in that
same study, they reported that

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50s, only 57% of people who
discovered the lender they were

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looking for found it through an
internet search. Only 57%. So in

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the olden days, the olden days,
being listed high on Google was

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the be all end all. Because if
you were going to be found off

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off the internet, on the on the
internet, it had to be on

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Google, right. And nowadays,
there's a lot of other aspects

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to the internet that people
trust. Social media had ranked

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actually pretty high, I think
was like 13% of respondents said

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they discovered the lender that
they ended up working with on

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social media. That's incredible.
That is the first time they

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discovered them or encountered
them with on social media.

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Johny Fernandez: So what that
means is your social media

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presence, your internet
presence, your Metaverse

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presence is important. Yes, yes,
it is. Well, because that's it.

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That's it for me as someone as a
millennial, yeah. Everything we

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get is I mean from the internet.
Like that's, that's the first

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place of reference that we get.
Yeah, that I go to. So you might

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be a little bit different. But

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Sean Murray: No, I mean, I would
I do the same. I started on the

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internet for basically almost
everything. Yeah, yeah. I don't

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think that you have to be, you
know, young, you have to be Gen

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Z to be internet, internet
first. Yeah, I know, I know. I

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know, you're like, you know, Gen
X or Boomer at heart, but Boomer

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at heart, Boomer at heart. But I
think a lot of people start on

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the internet. It also mentioned
in this report, that's 60% of

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people would feel higher
competence in working with a

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lender if they had an
informational video that they

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could watch. Oh, that's
interesting. Yeah, that it

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builds competency because

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Johny Fernandez: I can
definitely see why. Having a

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background in broadcast
television, you know, digital

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media production. I think
everyone's very visual. And the

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reality is, I think, from the
survey from other places that

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I've worked at the probably a
little bit more than 50% of

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people, they have the reading
capacity of a sixth grader. And

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that means like, just their
capacity to like, absorb absorb

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knowledge, is usually visual. So
that makes a lot of sense. Yeah,

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that you know, if you can see if
ypu can, like, not touch it, you

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can or you kind of can touch the
TV screen I guess

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Sean Murray: Well, I guess if
yeah.

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Johny Fernandez: But if you can
see it, it makes it more real,

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like, you know, and it's under,
like, you can understand it more

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versus it's just words yeah.

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Sean Murray: It didn't it didn't
mention or ask whether or not if

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there was a person present in
the video,

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Johny Fernandez: I was just
gonna bring that up. Because I

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think what's important is the
way it's narrated, whether it's

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someone on camera or someone off
camera, the verb, like the

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language that they use, you
know, the verbiage all that

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matters, because people have the
attention span of a fifth or

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sixth grader. Yeah. So you can't
use big words, you have to

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really dumb things down and make
sure they fully understand it

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and use basic English because
not everyone's gone to college.

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Not everyone knows the fancy
finance terms that they want

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those things broken down. Yeah.
So that's a big piece of advice

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up you pay a lot of money for is
that if you are making videos,

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to use simple language, because
that's going to play a huge role

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in why people say and watch your
videos and find you credible and

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find you trustworthy.

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Sean Murray: That's good advice.
Yeah, that's really maybe we

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should simplify what we're
saying. We should we try to keep

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it pretty simple. We do try to
try to keep it pretty simple

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here. One thing I was a little
disappointed in was that they

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did not study or did not expand
further on the Siri and Alexa

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question. I wish we could know
more about what type of

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financial services they asked
about, or how they asked the

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question. And maybe this kind of
feeds into what you were just

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saying about simplicity. But I
think it's easier for someone to

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say, say out loud to themselves
in a room. Yeah. What are my

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loan options? Yeah. versus going
on the internet? Yeah, having

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all these banner ads. You know,
if you go into Google, you're

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bombarded with ads, and you're
like, landing a lender for my

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business and you had all these
links. And you're like, I click

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here. I don't know if I can
trust this one. Right. Yeah. And

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everyone's competing for your
attention.

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Johny Fernandez: But my question
is, and it's also your question

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is how how does Alexa I'm
calling her she cause of the

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name? Alexa, how does she pick?
The information? Like that's the

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million dollar question is like,
how does she know that this

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person is legitimate? This
person is trustworthy. In this

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space, like, it's like, hey, I
need, you know, a lender, like,

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Alexa which lender should I use?
Or Hey Siri, what lender should

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I use?

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Sean Murray: This obviously
warrants a much further

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investigation. We did not have
the opportunity to go and know

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and question or query all these
series already giving us the

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answer. Yeah. Oh, just because
she wants to catch up. She heard

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us talking so positively about
Alexa. She's like, I know, I

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know, check out these, you know,
these links on I found on the

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internet. But, you know, I would
love to know more about exactly

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what was asked and think about
the power that you can just have

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someone asking a question, what
are my loan options? Or who are

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the best lenders, just saying it
out loud is even easier than go

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opening, taking out your device
and typing something into Google

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then just thinking about like,
what do I google that gives me

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the result I want. And then
Google is going to show you some

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ads on top of the organic links.
You're like, hey, I just I'm

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just asking a question in my own
bedroom, and I can have a voice

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spoken back to me. I think
everyone out there should be

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thinking about the potential of
this technology, because we've

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been talking so much about like,
hey, there's a button in

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QuickBooks Right? Or, hey,
there's this button in Square.

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Yeah, hey, there's DoorDash
capital, right? You have all

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these different pieces of
technology that business owners

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are working with. You're like,
oh, the button is the be all end

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all? No, it's if you're working
with the food partner, has to be

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all end all. But now imagine,
it's the device that the

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business owner is speaking to,
in the privacy of their own

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home, they don't even have to go
on to Google, or open up

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QuickBooks to hit a button. They
can just say, who's the best

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lender? I don't know what the
answer. That's honestly, that's

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the part of the part of the fun
part about this. I don't know

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what the answer would be. But I
think it's important that

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everyone start to look into it
and imagine and think about how

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do they get? How do they become
the answer? Because I think

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Alexa is designed to give the
answer that people seek not

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really to do you know,
advertising or rankings, or I'm

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not sure how that works. You
know, like I said, this is all

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this was all a surprise to me.
But I think everyone out there

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should be thinking about voice
assistants. And if people are

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querying them to get an answer,
are you that answer? Yeah

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Johny Fernandez: It reminds a
lot of there is a movie that

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came out in early 2000s, late
90s, early 2000s, it was on

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Disney Channel it's a Disney
Channel Original Movie, it was

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called Smart House, and you can
talk to the house and the house

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will respond, essentially where
we've come. Except it's not your

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house, it's this device. But
when you ask, you know, the

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device, certain questions, it
would respond to you, automat it

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was like a crate. It was like,
Oh, my God, this is the house of

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the future. Now we are in the
future. This is 20 years later,

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and now we have it. But the
quiet like the question that we

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all want to know you've been
saying it is how do you get her

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to respond with your yeah, you
know, your company, your

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whatever you have to offer?
Because if you can figure that

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out, I mean, you're pretty much
you're in for, you know, that's

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like the best type of PR

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Sean Murray: So I'm just taking
off the cuff right here. I'm

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just thinking off the cuff.
Right? Okay. That study also

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said that, like, I think it was
only like 9%, but that 9% of

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people decided that when they
had questions they asked like a

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neighbor or a friend. And
there's an entire segment of the

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industry that we often talk
about that is convinced and has

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seen from your own data and
experience the value in being

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able to talk to the customer
when they have questions that

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customers or potential
customers, they want to talk to

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somebody before they go through
with something their like,

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cannot be tech you have to have
that that human human

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Johny Fernandez: Yeah, human
interaction, but I have to

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someone but I think that's
that's for everything. Because

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at the end of the day, in my
mind, this is Johnny Fernandez

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is like Boomer millennial mind.
You know, the internet is great.

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You know, the references or
resources that you can get

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online is great. But if I had a
question, I would love to talk

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to you in person, just just like
a level of security to make sure

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like, hey, like, is this guy
really good? Or is this company

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really good? And there's
something that the internet will

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never like, the internet is
great, but I think like we've

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seen and stories that you've
done, anyone can put anything

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online. But there's something
about like a human connection

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that you're like, alright,

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Sean Murray: So hear me out. I
didn't get to I didn't get I'm

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Johny Fernandez: Sorry. I got
kind of excited the good

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Sean Murray: Is it the human
element, okay, or is it the

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talking to someone? Because what
if that person sees the

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information or gets the
information now wants to talk to

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someone about it and who are
they talking to? They start

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talking to Alexa about it and
Alexa has given them the answers

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and feedback. So they're still
talking to someone. The question

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becomes, is it just about
talking to someone and hearing

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it verbally and getting the
answers the information they

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feel comfortable with? Or did
they actually have to be a

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physical human being? I think, I
think this is just me talking

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off the cuff. This could be one
of those things where we play

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such a high value on the human
connection and customers wanting

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to talk to someone, I think, and
I would have to bet that Amazon

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has already thought this through
that that someone that they

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could talk to, will be Alexa. So
I want to talk to someone.

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That's, that's someone who's
gonna be the device in their

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house. And they're gonna provide
all the answers that they want,

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and you don't need the human
anymore. They will get the human

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experience, but from the device,
they talked to that with

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somebody that had a little bit
chat with something they trust

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in the comfort of their own
home. Think about it.

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Johny Fernandez: We are, we are
in the future at this point.

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That's you're describing that
movie smart house. Oh, that part

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of the movie. Okay. Yeah, they
have a relationship with a

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house.

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Sean Murray: I feel like this.
It sounds like almost like a 2am

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conversation. Yeah.

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Johny Fernandez: But in the
movie, you have this

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relationship with the house and
like the house like it's just a

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very weird movie, but it's not
because where we live in now.

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Yeah. It's a what we're living
in now. It's literally like, you

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know, the house takes care of
that. They don't have a mom in

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the movie The premises? Yeah,
mom. So the house is like their

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mom. And like they the house
cleans up for them. And the

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house does everything for them.
And the house isn't real. But

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something happens and then like
the house becomes real but

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anyways, but as a real but it's
like it's like it takes care of

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them. Like a human. But it's not
it's just a house. It's a smart

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house.

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Sean Murray: So I think the
takeaway here is everyone should

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be thinking about voice
assistance and the potential

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potential, how they can be
incorporated into their

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business. Yeah, it definitely
warrants for the study. I

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personally plan to look into
this further. Yeah, I would like

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I'd definitely like to know
more. Shout out to smarter loans

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for putting together that annual
FinTech report. I truly love

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that stat just because it played
into the fact that I just asked

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Alexa, what is deBanked and
Alexa knew, so I'm curious to

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find out what else Akexa knows.
as people become more

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comfortable asking more complex
questions and their getting the

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answer they seek the whole idea
of I want to talk to someone

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before I do something that
person could easily be that

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someone could easily be Alexa
Siri or something else.

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Johny Fernandez: So let me ask
you this. Are you comfortable

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talking to Alexa? Like we like
about recommendations that like

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do you So personally, on a
personal level,

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Sean Murray: I've only been
really using it for basic

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things? What is the temperature?
will it rain? Play music, add

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something to an online shopping
cart, right? Like no like Amazon

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Fresh or something? Turn on the
lights turn off the lights. For

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me, I already thought that was
the extent of it. It apparently

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is way more complex than I had
ever imagined. Right and I think

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that there's a real opportunity
for people to to look into

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Johny Fernandez: I don't really
use Siri to be honest.

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Sean Murray: I don't use Siri
either. Or I don't think Siri my

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personal opinion. Siri is not
nearly as good as Alexa.

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Johny Fernandez: And I don't
have an Alexa. So

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Sean Murray: Johnny, you're just
is very manual.

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Johny Fernandez: It is like the
copy will be like Hello? Yeah.

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Very old fashioned. I am. I'm
scared people gonna take my

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identity. But they pretty much
have it already

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Sean Murray: You were just
talking to it there. Yeah, your

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phone was just talking to you.

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Johny Fernandez: Oh, gosh, this
is weird. The world we're living

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in. It's crazy. I don't like it.
I love it. I like I like old

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school stuff. I like you know,
recommendations. I like paper

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pencil touch feel like a device
hypo crazy. I just had a device.

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I had no friends on a personal
level. But anyways, speaking of

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Sean Murray: That was like the
three that was get quiet as

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like, I just like touching
things man. Like being personal.

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Johny Fernandez: Alright, it's
gonna get weird. Yeah. All

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right. So