1 00:00:07.620 --> 00:00:09.450 Sean Murray: Hello everybody, it's Sean Murray here from 2 00:00:09.480 --> 00:00:13.170 deBanked TV. We are live at the Southeast Acquirers show down in 3 00:00:13.170 --> 00:00:15.900 Bonita Springs, Florida. I'm here with Johny Fernandez. 4 00:00:16.020 --> 00:00:18.510 Johny Fernandez: And welcome you guys. And obviously we are very 5 00:00:18.510 --> 00:00:22.080 excited to be here, Sean, the weather has been great so far. I 6 00:00:22.080 --> 00:00:24.690 mean, we've been talking compared to New York, very 7 00:00:24.690 --> 00:00:28.590 similar, sunshine, palm trees all around and just exciting to 8 00:00:28.590 --> 00:00:31.920 see the amount of people that are here at the 20th annual SEAA 9 00:00:31.950 --> 00:00:36.450 2021 Conference. So Sean, so far, let's talk about what we've 10 00:00:36.450 --> 00:00:38.490 been seeing since we've been here. So if you've been to the 11 00:00:38.490 --> 00:00:40.020 state, kind of walk us through that. 12 00:00:40.050 --> 00:00:42.420 Sean Murray: Yeah, there's a lot of people here. Yeah. Yeah, I'm 13 00:00:42.420 --> 00:00:44.910 hearing that there's over 900 people here today. So the 14 00:00:44.910 --> 00:00:48.720 conference circuit is back it's going big, payments is here, 15 00:00:48.720 --> 00:00:51.720 payments is back. And we're having a great time there's a 16 00:00:51.720 --> 00:00:54.660 big exhibit hall behind us. There's a lot of people, I don't 17 00:00:54.660 --> 00:00:56.730 know if you can see in the camera angle, but we have a lot 18 00:00:56.730 --> 00:00:59.880 of people mingling and networking. We have special 19 00:01:00.510 --> 00:01:03.150 badges that we'll be wearing that we're wearing now that 20 00:01:03.150 --> 00:01:04.650 we'll we'll hear more about. We'll hear more about. Yeah, 21 00:01:04.650 --> 00:01:05.460 we'll hear more about. 22 00:01:05.489 --> 00:01:07.049 Johny Fernandez: But Sean first, let's talk about your shirt. 23 00:01:07.080 --> 00:01:07.500 Sean Murray: Okay. 24 00:01:08.380 --> 00:01:11.140 Johny Fernandez: Talk to me. So, what's this guy's name Toucan 25 00:01:11.140 --> 00:01:11.740 Sam? 26 00:01:12.070 --> 00:01:13.420 Sean Murray: That would be Toucan Sean. 27 00:01:13.470 --> 00:01:13.770 Johny Fernandez: Sean. 28 00:01:13.830 --> 00:01:14.160 Sean Murray: Yeah. 29 00:01:14.190 --> 00:01:16.035 Johny Fernandez: So he's gonna be with us throughout the rest 30 00:01:16.077 --> 00:01:18.593 of the night. Yeah. Awesome. I like the color too, it brings 31 00:01:18.635 --> 00:01:21.277 out, I feel like we went for a very Florida vibe. That was what 32 00:01:21.319 --> 00:01:21.990 we're going for. 33 00:01:22.050 --> 00:01:23.040 Sean Murray: Is that Florida? 34 00:01:23.040 --> 00:01:24.960 Johny Fernandez: That is kind of Florida, it's like business 35 00:01:24.960 --> 00:01:28.050 casual in Florida. You're more like, hey, I'm here. I'm here to 36 00:01:28.050 --> 00:01:30.960 make a comeback. Just like the event space that we're at today. 37 00:01:30.990 --> 00:01:32.850 Sean Murray: Yeah, I got to come up with like a saying like, 38 00:01:32.880 --> 00:01:33.990 follow your nose. 39 00:01:33.990 --> 00:01:37.260 Johny Fernandez: Follow your nose, that'd be good. Or maybe, 40 00:01:37.260 --> 00:01:41.640 something like, follow the Sam Tucan Sam. Or follow the Sean. 41 00:01:41.640 --> 00:01:44.580 Follow the Sean. Tucan Sean. Okay, alright I'm kind of 42 00:01:44.580 --> 00:01:46.290 feeling it. Well we'll work on it throughout the rest of the 43 00:01:46.290 --> 00:01:49.170 night. Okay. Well, you know what, now let's bring in one of 44 00:01:49.170 --> 00:01:51.930 the Board of Directors of the event, he can kind of walk us 45 00:01:51.930 --> 00:01:54.600 through a little bit more about what's going on and what people 46 00:01:54.600 --> 00:01:58.080 can expect, here at the event. Derek Vowel want to welcome you. 47 00:01:58.080 --> 00:01:59.310 Derek Vowel: Hi, we're so glad to have you guys. 48 00:01:59.310 --> 00:02:00.870 Johny Fernandez: Likewise, Thank you so much for being here. 49 00:02:01.200 --> 00:02:02.460 Derek Vowel: That's Tou Sean now. 50 00:02:02.580 --> 00:02:06.960 Johny Fernandez: Tou, tou Sean, yeah. 51 00:02:07.650 --> 00:02:09.060 Sean Murray: Well, you have plenty of time to think about 52 00:02:09.060 --> 00:02:09.240 it. 53 00:02:10.229 --> 00:02:11.219 Derek Vowel: Well no, hey. 54 00:02:14.640 --> 00:02:16.710 Johny Fernandez: So Derek, let's go ahead and talk a little bit 55 00:02:16.710 --> 00:02:19.770 about the event. So walk us through how many people are 56 00:02:19.770 --> 00:02:20.280 here. 57 00:02:21.300 --> 00:02:24.450 Derek Vowel: The last time I checked registration, we had 924 58 00:02:24.450 --> 00:02:28.260 people. And we usually have about 100 walk ins day of so 59 00:02:28.290 --> 00:02:31.440 we're clearly going to surpass the minimum. Back when we 60 00:02:31.440 --> 00:02:34.680 started planning the show two years ago, we're falling here. 61 00:02:34.950 --> 00:02:37.440 And during all the COVID stuff, I thought we'd get like 400 62 00:02:37.440 --> 00:02:40.890 people that was gonna be the high watermark. But here we are. 63 00:02:40.920 --> 00:02:43.200 There's everybody but Jesus apparently at my show. 64 00:02:43.800 --> 00:02:46.050 Johny Fernandez: So kind of walk us through obviously, some 65 00:02:46.050 --> 00:02:48.870 people, you know, are trying to be a little bit more aware of 66 00:02:48.870 --> 00:02:50.010 like social distancing. 67 00:02:50.010 --> 00:02:50.430 Derek Vowel: Yes. 68 00:02:50.460 --> 00:02:52.350 Johny Fernandez: And obviously with the whole COVID factor. So 69 00:02:52.350 --> 00:02:53.370 walk us through the stickers. 70 00:02:53.400 --> 00:02:53.730 Derek Vowel: Okay. 71 00:02:53.790 --> 00:02:57.570 Johny Fernandez: And what exactly it is. So, obviously. 72 00:02:58.230 --> 00:03:00.000 Derek Vowel: That is don't get near me, please. 73 00:03:00.060 --> 00:03:02.610 Johny Fernandez: So if people see this on their shirt. 74 00:03:02.610 --> 00:03:04.710 Derek Vowel: You smile and wave at them, you know, they're not 75 00:03:04.710 --> 00:03:06.900 interested in participating in your conversation. They're here 76 00:03:06.900 --> 00:03:07.950 for education only. 77 00:03:08.070 --> 00:03:09.720 Johny Fernandez: So let's walk through the yellow one. 78 00:03:10.140 --> 00:03:12.450 Derek Vowel: At here you're like. I like you, but not that 79 00:03:12.450 --> 00:03:14.820 much you're going to know about. That's literally why we called 80 00:03:14.820 --> 00:03:15.210 them off. 81 00:03:15.270 --> 00:03:18.480 Johny Fernandez: Alright. And so let's go ahead and talk about. 82 00:03:18.900 --> 00:03:21.480 Derek Vowel: These are for our wild and crazy people. They're 83 00:03:21.480 --> 00:03:22.350 here to have fun. 84 00:03:22.350 --> 00:03:22.710 Sean Murray: That's me. 85 00:03:22.710 --> 00:03:23.040 Derek Vowel: That's you. 86 00:03:23.460 --> 00:03:24.150 Sean Murray: I'm here to have fun. 87 00:03:24.150 --> 00:03:27.060 Johny Fernandez: Yeah. I'm gonna go ahead and that will be me 88 00:03:27.060 --> 00:03:27.330 today. 89 00:03:27.390 --> 00:03:27.750 Sean Murray: Okay. 90 00:03:27.780 --> 00:03:30.630 Derek Vowel: I'm gonna be purple angry. Like, I'm here. I'm 91 00:03:30.630 --> 00:03:31.140 ready. 92 00:03:31.260 --> 00:03:32.760 Johny Fernandez: Let's talk about the purple. 93 00:03:32.790 --> 00:03:35.460 Derek Vowel: I'm a vaccinated person. So I'm good to go. No 94 00:03:35.460 --> 00:03:39.360 mask, we've put the exhibit all tables spaced out about three 95 00:03:39.360 --> 00:03:42.570 feet apart, like to give it enough space. And we're not 96 00:03:42.600 --> 00:03:44.790 normally when you go to the exhibit hall, you just walk 97 00:03:44.790 --> 00:03:47.970 around where you want, we're going to open the doors, you can 98 00:03:47.970 --> 00:03:51.360 go this way, for one day, the next day, you come in the 99 00:03:51.360 --> 00:03:53.700 opposite way. And I like it because it means all of our 100 00:03:53.700 --> 00:03:56.610 exhibitors are gonna get intensely touched instead of 101 00:03:56.610 --> 00:03:58.980 people not making it to the corner to the middle. Because 102 00:03:58.980 --> 00:04:01.830 once you get in a line, you can't go back. Yeah. So I think 103 00:04:01.830 --> 00:04:02.760 it's good for everybody. 104 00:04:02.790 --> 00:04:04.980 Johny Fernandez: So let's talk a little bit about like the setup 105 00:04:04.980 --> 00:04:08.220 and how comfortable you guys had made other people feel about 106 00:04:08.220 --> 00:04:10.530 coming to the event. Because obviously, we've talked about it 107 00:04:10.530 --> 00:04:12.270 and there's 900 plus people here. 108 00:04:12.300 --> 00:04:16.350 Derek Vowel: Yeah, we've tried to communicate space, do 109 00:04:16.350 --> 00:04:18.330 everything we can so that everybody's happy and 110 00:04:18.330 --> 00:04:21.060 comfortable. And a lot of people are still wearing masks, and 111 00:04:21.060 --> 00:04:24.390 that's just fine. Like it's your comfort level. It's like this is 112 00:04:24.390 --> 00:04:26.640 your show, but I want you to have a good time, we don't want 113 00:04:26.640 --> 00:04:29.130 no one to not enjoy their days here. 114 00:04:29.820 --> 00:04:31.500 Sean Murray: What what can you tell me about payments? What's 115 00:04:31.500 --> 00:04:32.730 happening in payments right now? 116 00:04:33.870 --> 00:04:36.930 Derek Vowel: It's a changing game every minute. Fintech you 117 00:04:36.960 --> 00:04:40.050 nothing's boring. Like, I've been in this for half my life. 118 00:04:40.050 --> 00:04:41.670 So I guess 24 years. 119 00:04:42.480 --> 00:04:43.260 Johny Fernandez: You're like 10 though. 120 00:04:44.490 --> 00:04:45.960 Derek Vowel: I literally was told by somebody that hadn't to 121 00:04:45.960 --> 00:04:48.030 see me in a while. They're like, you look like a little boy. I'm 122 00:04:48.030 --> 00:04:52.230 like, that's the highest compliment I've had in years. So 123 00:04:52.260 --> 00:04:55.230 fintech changes on the daily. There's new products, like I 124 00:04:55.230 --> 00:04:59.520 work for Aliaswire, and we're the, we're a cartesian company 125 00:04:59.520 --> 00:05:02.760 that works with commercial settlement to make money off of 126 00:05:02.760 --> 00:05:05.160 it. So it's just funny. It's like, patented that no one can 127 00:05:05.160 --> 00:05:07.560 do it, it's so much fun. It's like every day you learn 128 00:05:07.560 --> 00:05:10.950 something new. That's what's kept me in it. It's exciting. 129 00:05:11.430 --> 00:05:11.880 Not boring. 130 00:05:11.970 --> 00:05:13.590 Johny Fernandez: What changes have you guys seen having to 131 00:05:13.590 --> 00:05:16.470 make this event and moving forward? Like, I guess what will 132 00:05:16.470 --> 00:05:18.870 you guys be doing now? Because it's a changing game. 133 00:05:18.960 --> 00:05:22.110 Derek Vowel: Yeah, we've had, we've made changes virtually 134 00:05:22.110 --> 00:05:26.070 daily for six months. Like the hotels like a, can't be doing 135 00:05:26.070 --> 00:05:30.360 that you now you can do that. So it's been perplex perplexing and 136 00:05:30.360 --> 00:05:33.540 puzzling in trying to pull this off. And to be honored. Y'all 137 00:05:33.540 --> 00:05:38.010 wanted to be here, we have 1000 people, this is nuts. It's 138 00:05:38.010 --> 00:05:38.580 exciting. 139 00:05:39.270 --> 00:05:41.880 Sean Murray: I mean, I think the exhibit hall is a testament to 140 00:05:42.150 --> 00:05:45.360 the the desire for people to get back and networking again, like 141 00:05:45.360 --> 00:05:47.790 I just walked over there before, and it was like, it was like 142 00:05:47.790 --> 00:05:48.870 2019 all over again. 143 00:05:48.870 --> 00:05:52.590 Derek Vowel: Right. It's crazy. Yeah. I mean, I had a year ago, 144 00:05:52.590 --> 00:05:55.320 I didn't think I'd be at the show without a mask on. Here I 145 00:05:55.320 --> 00:05:56.400 am, I can smile again. 146 00:05:57.270 --> 00:05:59.400 Johny Fernandez: So what what can people expect when they come 147 00:05:59.400 --> 00:06:02.610 here? Besides the restrictions and the changes, but overall 148 00:06:02.610 --> 00:06:05.040 about the experience here, what what can they expect from that? 149 00:06:05.460 --> 00:06:07.680 Derek Vowel: I think everyone's gonna walk away with a smile on 150 00:06:07.680 --> 00:06:10.500 their face. We had good age educational tracks, so it's 151 00:06:10.500 --> 00:06:13.380 like, there's something for everybody. I think it's gonna be 152 00:06:13.380 --> 00:06:15.990 a great show. Then next year, we're gonna be at the Loews 153 00:06:15.990 --> 00:06:19.860 Midtown Atlanta. And that was our prior record of 1000. So 154 00:06:19.860 --> 00:06:22.380 we're going back, we're at a big one. So that'll be next year. 155 00:06:22.650 --> 00:06:24.960 Johny Fernandez: So and how many exhibitors are actually here? 156 00:06:24.990 --> 00:06:27.570 Derek Vowel: We had to shrink it this year. So there's only 90, 157 00:06:27.570 --> 00:06:30.930 we usually have about 105. But to get some of the food in not 158 00:06:30.930 --> 00:06:34.770 all of it, we just sort of had to make so many changes. So 159 00:06:34.770 --> 00:06:37.800 that's we got 90, we had tp hard cap, there's no room with the 160 00:06:37.800 --> 00:06:40.860 social distancing. And you'll notice like a 10 of the tray 161 00:06:40.860 --> 00:06:43.590 pass where you'd normally deal with, we have food stations, 162 00:06:43.590 --> 00:06:47.130 because still can't be doing that you have to go up and get 163 00:06:47.130 --> 00:06:50.310 served. So it's still still restrictions to make people safe 164 00:06:50.310 --> 00:06:50.970 and comfortable. 165 00:06:51.570 --> 00:06:53.310 Sean Murray: Do you feel like there were any technological 166 00:06:53.310 --> 00:06:55.980 changes that took place in payments because of COVID, that 167 00:06:56.070 --> 00:06:58.350 might have otherwise not have occurred or occurred quicker? 168 00:06:58.740 --> 00:07:01.350 Derek Vowel: I think everybody's everyone's been wanting to do 169 00:07:01.350 --> 00:07:03.720 contactless for years, no one was really doing it. Now you 170 00:07:03.720 --> 00:07:07.260 have to cause COVID. Now, that's the big thing that and the NSC 171 00:07:07.260 --> 00:07:10.230 stuff, they've beeen pushing that for six years. I didn't 172 00:07:10.230 --> 00:07:12.570 think we we're ever going to do it. Now. It's on everybody has 173 00:07:12.570 --> 00:07:15.990 to do so. It'll change tomorrow, if you ask me. Probably. 174 00:07:17.340 --> 00:07:19.560 Johny Fernandez: Awesome. Awesome. And last question, the 175 00:07:19.560 --> 00:07:23.550 big takeaway about this event, and also moving forward and what 176 00:07:23.550 --> 00:07:26.760 people can expect later on. In future shows. 177 00:07:26.760 --> 00:07:28.830 Derek Vowel: You never know what we're gonna do. I'm like, 178 00:07:29.130 --> 00:07:31.110 everyone thinks they're the best we like to think we're best in 179 00:07:31.110 --> 00:07:35.880 class, we don't go to boring resorts. We never have bad food. 180 00:07:35.910 --> 00:07:39.780 Like, this is an experience. Like I'm a salesperson, I should 181 00:07:39.780 --> 00:07:43.410 be selling. I'm not selling. I'm here to like, just show you. So 182 00:07:43.410 --> 00:07:46.230 yeah, this is great. You can do everything. And I'm here in 183 00:07:46.230 --> 00:07:48.090 shorts. Best day ever. 184 00:07:48.630 --> 00:07:50.250 Johny Fernandez: Nice. Well, Derek, thanks so much for 185 00:07:50.250 --> 00:07:50.550 joining. 186 00:07:50.550 --> 00:07:52.530 Thank you guys if you need anything like you'll see me 187 00:07:52.530 --> 00:07:53.010 around. 188 00:07:53.160 --> 00:07:53.940 Sean Murray: Okay. Thanks again. 189 00:07:53.940 --> 00:07:54.210 Derek Vowel: Thank you. 190 00:07:54.210 --> 00:07:54.840 Sean Murray: Appreciate it. 191 00:07:55.230 --> 00:07:57.150 Johny Fernandez: That was great. And that was so interesting to 192 00:07:57.150 --> 00:08:02.520 really hear about how people still want to be in with other 193 00:08:02.520 --> 00:08:05.400 people and network with other people versus being locked up. 194 00:08:05.400 --> 00:08:07.890 Because that's what we've been seeing. People want to come 195 00:08:07.890 --> 00:08:08.280 back. 196 00:08:08.310 --> 00:08:08.730 Sean Murray: Yeah. 197 00:08:09.060 --> 00:08:09.990 Johny Fernandez: So go ahead. 198 00:08:10.020 --> 00:08:11.760 Sean Murray: I was just gonna say that, you know, here we were 199 00:08:11.760 --> 00:08:14.400 talking about, like, 900 people. Yeah. I didn't realize that 200 00:08:14.400 --> 00:08:17.580 there were walkins, too. Yeah. And that the number as he said 201 00:08:17.580 --> 00:08:21.420 is actually over 1000, when you count them all up. I think 202 00:08:21.420 --> 00:08:25.410 that's an incredible number to be to have already in the month 203 00:08:25.410 --> 00:08:28.320 of May, right? Yeah. Because certain states like New York, we 204 00:08:28.320 --> 00:08:31.260 just got to the point where you can take your mask off outside. 205 00:08:31.290 --> 00:08:34.140 Yeah. Now we have 1000 people indoors, some, some of them are 206 00:08:34.140 --> 00:08:37.230 wearing masks. But we have 1000 people indoors at a show 207 00:08:37.260 --> 00:08:41.520 networking literally behind us. It feels like 2019. 208 00:08:41.549 --> 00:08:43.499 Johny Fernandez: It does and like you said, it's a comeback. 209 00:08:43.529 --> 00:08:46.439 It's a big comeback. And I think that's what everyone was worried 210 00:08:46.439 --> 00:08:50.789 about was was there going to be an event like this ever? Yeah. 211 00:08:50.789 --> 00:08:54.149 And clearly, we're seeing that it is going to happen, and it is 212 00:08:54.179 --> 00:08:57.659 happening now. And that we don't have to wait till you know, 213 00:08:57.659 --> 00:09:00.209 everything is over. Because people are willing to come out. 214 00:09:00.209 --> 00:09:03.569 I think having things like the stickers is a very smart idea. 215 00:09:03.659 --> 00:09:06.299 You know, now when you speak with someone, alright, this 216 00:09:06.299 --> 00:09:09.719 person is, you know, doesn't want to associate, doesn't want 217 00:09:09.719 --> 00:09:12.179 to talk. Yeah. Or they do want to talk and they're willing to 218 00:09:12.179 --> 00:09:15.089 network. Yeah. And just when we go to the exhibit hall, and 219 00:09:15.089 --> 00:09:18.089 we'll be showing that a little bit later on between today and 220 00:09:18.089 --> 00:09:22.889 tomorrow, that there are you know, more than 90 booths set 221 00:09:22.889 --> 00:09:26.669 up, ready to network and ready to communicate with other people 222 00:09:26.669 --> 00:09:29.969 in the industry and the payments industry and seeing obviously 223 00:09:29.969 --> 00:09:32.699 how much of that has changed throughout the last couple of 224 00:09:33.149 --> 00:09:35.879 months and last year. Yeah. So. 225 00:09:35.910 --> 00:09:38.280 Sean Murray: You know people said that everything was going 226 00:09:38.280 --> 00:09:42.120 to be remote afterwards. You had to do events online. It was all 227 00:09:42.120 --> 00:09:44.430 going to be Zoom forever. I was never a believer in it. I think 228 00:09:44.430 --> 00:09:46.920 you and I actually did like a Zoom call with each other. I 229 00:09:47.820 --> 00:09:49.500 think it was like literally a year ago. Yeah. I think it might 230 00:09:49.500 --> 00:09:51.780 have been like May of last year. Oh yeah, yes. Well, literally 231 00:09:51.780 --> 00:09:55.440 like a year. A year ago, yeah. And I think we realized even 232 00:09:55.440 --> 00:09:58.050 then that there was gonna be a return to in person networking. 233 00:09:58.050 --> 00:10:02.040 Yeah. You know, this is just proof positive of it, people 234 00:10:02.070 --> 00:10:04.050 want to do this in person, there were there was a lot of things 235 00:10:04.050 --> 00:10:06.150 where like this will never be the same, or you know, this has 236 00:10:06.150 --> 00:10:08.520 changed forever. That's just not the case, I think you know, a 237 00:10:08.520 --> 00:10:12.150 lot of technology has come in and been added to the industry 238 00:10:12.150 --> 00:10:14.250 that otherwise wouldn't have been or have been faster. 239 00:10:14.580 --> 00:10:17.190 Because of COVID. Yeah. But when it comes to general networking 240 00:10:17.190 --> 00:10:21.180 events, online is just never going to replace the the in 241 00:10:21.180 --> 00:10:22.230 person altogether. 242 00:10:22.260 --> 00:10:24.390 Johny Fernandez: And it's like the experience, overall, the 243 00:10:24.390 --> 00:10:28.470 experience factor from something as simply as simple as walking 244 00:10:28.470 --> 00:10:33.360 into a hotel, and just feeling the energy that when you walk 245 00:10:33.360 --> 00:10:36.300 in, you're like, alright, like, these are people like me, you 246 00:10:36.300 --> 00:10:38.790 know, we're in the same industry, and we're really here 247 00:10:38.790 --> 00:10:42.540 to network and to meet people. But then there's also just like, 248 00:10:42.570 --> 00:10:46.140 meeting the educational aspect of it. But also, you know, just 249 00:10:46.170 --> 00:10:49.260 seeing the booth and, and just talking to someone that maybe 250 00:10:49.260 --> 00:10:52.800 you don't know, and having a cocktail and having some food 251 00:10:52.800 --> 00:10:56.070 and like that is never gonna get old. And we've always talked 252 00:10:56.070 --> 00:10:59.700 about it, and the fact that this has been going on for 20 plus 20 253 00:10:59.730 --> 00:11:03.900 years. Yeah. Says things that speaks volumes, because at the 254 00:11:03.900 --> 00:11:06.450 end of the day, people are going to want to still do this and be 255 00:11:06.450 --> 00:11:10.050 here. And it's exciting to see that more than 900 people are 256 00:11:10.140 --> 00:11:13.200 already here. And it's just the first, it's not even the opening 257 00:11:13.200 --> 00:11:14.580 ceremony hasn't even started yet. 258 00:11:14.610 --> 00:11:16.380 Sean Murray: Yeah, you know, and we're talking about events in 259 00:11:16.380 --> 00:11:18.930 general. But I think an important thing to mention is 260 00:11:18.930 --> 00:11:22.560 that we're at a payment show. And at deBanked, we often talk 261 00:11:22.560 --> 00:11:24.720 about small business finance, alternative lending, and so 262 00:11:24.720 --> 00:11:27.450 forth. And when we talk about payments, we end up talking 263 00:11:27.450 --> 00:11:30.660 about companies like Square, PayPal, we talk about the tech 264 00:11:30.660 --> 00:11:33.390 companies, because they have a lending component to them. And 265 00:11:33.390 --> 00:11:37.560 it could look like to an outsider that that's older as in 266 00:11:37.560 --> 00:11:40.380 payment, yet it has eradicated the rest of the payments 267 00:11:40.380 --> 00:11:42.330 industry. You know, that's crazy. That's not the case at 268 00:11:42.330 --> 00:11:45.150 all. Yeah. It's not that we're misrepresenting how it works. 269 00:11:45.180 --> 00:11:48.630 It's more just, that's the angle that we often report from. Yep. 270 00:11:48.750 --> 00:11:50.610 But if you look around us, all these people are from the 271 00:11:50.610 --> 00:11:52.740 payments industry. Well, that although we have seen some 272 00:11:52.740 --> 00:11:55.050 people from the Small Business Finance space here too, we 273 00:11:55.050 --> 00:11:55.440 bumped into. 274 00:11:56.880 --> 00:11:58.590 Johny Fernandez: People are like Sean, Johny, we're like, hey, 275 00:11:58.590 --> 00:11:59.370 what's going on? 276 00:11:59.670 --> 00:12:02.070 Sean Murray: Yeah, but payments is a very, very big industry, 277 00:12:02.520 --> 00:12:06.300 multi billion, if not multi trillion dollar industry. And 278 00:12:06.300 --> 00:12:08.850 it's a lot bigger than just you know, Square, Pay Pal and all 279 00:12:08.850 --> 00:12:11.490 the rest. And so that's one of the one of the good things about 280 00:12:11.490 --> 00:12:13.800 being at a show like this is seeing what else is out there, 281 00:12:14.130 --> 00:12:17.640 and what everyone else is doing. And, you know, at the exhibit 282 00:12:17.640 --> 00:12:21.240 hall, back here, if you look around is you just see that 283 00:12:21.270 --> 00:12:22.350 there's so much else going on. 284 00:12:22.380 --> 00:12:24.570 Johny Fernandez: There really is. And on top of that, I think 285 00:12:24.630 --> 00:12:29.730 something to really kind of make this experience even better is 286 00:12:29.730 --> 00:12:34.440 that the the weather is great. And just overall, it feels 287 00:12:34.440 --> 00:12:37.290 normal, it feels normal, it feels like normal times again, 288 00:12:37.800 --> 00:12:40.890 even though we technically aren't. Yeah. Still like, 289 00:12:40.890 --> 00:12:43.710 completely free. Yeah. But yeah, it feels like it's one more 290 00:12:43.710 --> 00:12:46.290 time. And I think, you know, they're going to be having from 291 00:12:46.740 --> 00:12:50.280 five to 630, the opening reception here. And then from 292 00:12:50.280 --> 00:12:53.550 seven to 10, there's going to be an after hours party. So people 293 00:12:53.550 --> 00:12:56.220 are going to be able to network and pretty much talk to each 294 00:12:56.220 --> 00:12:58.410 other, maybe they haven't seen each other in a year, a year and 295 00:12:58.410 --> 00:13:00.960 a half. So that's gonna be a good experience for people here. 296 00:13:01.080 --> 00:13:04.500 And then tomorrow, it's going to be a couple of events going on 297 00:13:04.500 --> 00:13:07.830 from nine to 10, the exhibit hall is going to be opening up 298 00:13:08.010 --> 00:13:12.300 and then from 10 to about 12 is going to be some opening 299 00:13:12.300 --> 00:13:15.600 remarks, there's going to be some breakout sessions from 130, 300 00:13:15.780 --> 00:13:19.560 to about 230. Then again, another breakout session from 301 00:13:19.590 --> 00:13:23.760 230 to three o'clock until like five so a lot of different 302 00:13:23.760 --> 00:13:26.520 breakout sessions, you know, educational aspects of it. Yeah. 303 00:13:26.550 --> 00:13:29.160 And then also just networking, because that's a lot of the big 304 00:13:29.160 --> 00:13:32.640 key aspects of why people are here, and you can see it keeps 305 00:13:32.640 --> 00:13:36.690 getting busier and people are still are arriving right now. 306 00:13:36.690 --> 00:13:36.960 So. 307 00:13:36.960 --> 00:13:39.450 Sean Murray: And bear in mind, this isn't even the exhibit 308 00:13:39.450 --> 00:13:42.360 hall. That's No, it's not this is so packed that people are 309 00:13:42.360 --> 00:13:45.450 actually overflowing out into here. That's how crazy it is. 310 00:13:45.480 --> 00:13:48.180 Johny Fernandez: It's It's exciting to see and it's gonna 311 00:13:48.180 --> 00:13:50.610 be really exciting. awesome to see tomorrow out. Everything 312 00:13:50.610 --> 00:13:53.010 kind of plays out. Yeah, and just like the different 313 00:13:53.010 --> 00:13:58.380 components of this event, so I'm definitely excited for it. Sean, 314 00:13:58.470 --> 00:13:58.800 go ahead. 315 00:13:58.860 --> 00:14:01.020 Sean Murray: I was just gonna say earlier, right before we 316 00:14:01.020 --> 00:14:03.900 went on the air, someone asked, or someone commented that it was 317 00:14:03.900 --> 00:14:06.540 good to see deBanked at a payment show. Yeah. As if that 318 00:14:06.540 --> 00:14:09.360 was totally unique. And although I did mention, before that we 319 00:14:09.360 --> 00:14:11.940 spent a lot of time talking about the tech side of payments, 320 00:14:12.270 --> 00:14:15.090 I think it's important to also mention the fact that deBanked 321 00:14:15.090 --> 00:14:18.480 started in the payments industry. Yeah. A long time ago 322 00:14:18.510 --> 00:14:21.450 deBanked was called merchant processing resource. 323 00:14:21.630 --> 00:14:23.160 Almost ten years, like a little bit after. 324 00:14:23.430 --> 00:14:27.000 Like, yeah, it's like 10, 11, 10, 11 years ago. Yeah. And you 325 00:14:27.000 --> 00:14:29.880 know, it had a very long name merchant processing resource, 326 00:14:30.000 --> 00:14:33.060 right. And it's kind of sounded kind of generic, and it had .com 327 00:14:33.060 --> 00:14:35.310 at the end, and people would type in the wrong thing. So it 328 00:14:35.310 --> 00:14:37.530 wasn't branded very well. Yeah. And it was very payments 329 00:14:37.530 --> 00:14:40.020 focused. Yeah. And the reason that was that a lot of the 330 00:14:40.020 --> 00:14:43.770 alternative lending industry that we talk about now, it was 331 00:14:43.770 --> 00:14:47.100 born out of payments. Yeah. So all of the all of the funding 332 00:14:47.100 --> 00:14:50.700 that people do now, it wouldn't have been made possible if some 333 00:14:50.700 --> 00:14:53.700 payment processors didn't come up with the idea to take a 334 00:14:53.700 --> 00:14:58.230 percentage of a business's sales as a form of paying back 335 00:14:58.320 --> 00:15:01.080 finance. It used to be you know, you had to go to a bank and the 336 00:15:01.080 --> 00:15:03.720 bank wouldn't lend you money. That was the end of it, right? 337 00:15:03.750 --> 00:15:05.610 And then these payments, companies came in and said, 338 00:15:05.820 --> 00:15:08.190 well, we understand that you're high risk, and it's probably not 339 00:15:08.190 --> 00:15:11.070 a good idea to debit your bank account. But we can take a 340 00:15:11.070 --> 00:15:13.770 percentage of something we already have access to, and 341 00:15:13.770 --> 00:15:16.860 that's your credit or your debit card sales. And so that was that 342 00:15:16.860 --> 00:15:20.280 was the the entry point for the alternative lending industry. 343 00:15:20.310 --> 00:15:24.570 And in fact, that's how I got started, like, people think you 344 00:15:24.570 --> 00:15:28.260 know that I came strictly from small business funding or MCA, 345 00:15:28.260 --> 00:15:31.440 it started in payments, I was boarding merchant accounts, I 346 00:15:31.440 --> 00:15:35.220 was changing over hyper, hyper com T seven terminals. Honestly, 347 00:15:35.220 --> 00:15:38.100 I don't even know if that's like a model they use anymore. But, 348 00:15:38.460 --> 00:15:40.260 you know, you had to know everything about the payments 349 00:15:40.260 --> 00:15:43.470 industry. And so it's really not all that unusual. And what's 350 00:15:43.650 --> 00:15:45.750 kind of weird, I guess, you could say in the sense is that 351 00:15:45.900 --> 00:15:50.070 it went from payments, and then financing split off from 352 00:15:50.070 --> 00:15:53.070 payments and became its own thing. And then it came back 353 00:15:53.070 --> 00:15:57.120 around. You had companies, you have companies like PayPal and 354 00:15:57.120 --> 00:16:00.780 Square now doing what people think is revolutionary. Yeah. 355 00:16:00.810 --> 00:16:03.780 But it's actually what people were doing 10, 15, 20 years ago. 356 00:16:03.840 --> 00:16:05.370 Johny Fernandez: And that's something we have talked about 357 00:16:05.370 --> 00:16:08.850 that usually every 10 plus years, things kind of come full 358 00:16:08.850 --> 00:16:12.810 circle. And then we're right back with at the same topic 359 00:16:12.810 --> 00:16:15.600 doing the same thing. But it's just a different name. Yeah. So 360 00:16:15.600 --> 00:16:18.150 it's always interesting to see things come full circle. Yeah. 361 00:16:18.210 --> 00:16:20.940 And I think being here, it's also cool, because people have 362 00:16:20.940 --> 00:16:23.610 stopped you. They know who you are. They know who what deBanked 363 00:16:23.610 --> 00:16:26.700 is. But it's also, you know, I like being in a space like this 364 00:16:26.700 --> 00:16:29.760 where we can also meet other people. So if you are coming 365 00:16:29.760 --> 00:16:33.000 here, you know tomorrow and you see us, please stop by say hi to 366 00:16:33.000 --> 00:16:36.900 us. Love to meet people that are here and see them in person. 367 00:16:36.930 --> 00:16:39.510 Yeah. So it will be exciting to see that. What are you looking 368 00:16:39.510 --> 00:16:41.730 forward to the most being here? 369 00:16:42.660 --> 00:16:44.160 Sean Murray: Honestly, just seeing how people interact with 370 00:16:44.160 --> 00:16:47.070 you, how people interact with each other. You know, on the way 371 00:16:47.070 --> 00:16:51.600 here, I started thinking about how people pay for anything. 372 00:16:51.720 --> 00:16:54.630 Yeah. I think we take it for granted. Yeah. Like when we go 373 00:16:54.660 --> 00:16:57.210 we were at Starbucks earlier. Yeah. And we bought a coffee. 374 00:16:57.240 --> 00:17:01.050 Yep. And where do you know, where did that transaction 375 00:17:01.230 --> 00:17:01.980 happen? Do you 376 00:17:01.980 --> 00:17:02.340 Johny Fernandez: I don't know. 377 00:17:02.610 --> 00:17:03.630 Sean Murray: Did you think about it? 378 00:17:03.630 --> 00:17:04.380 Johny Fernandez: I did not think about it. 379 00:17:04.380 --> 00:17:05.940 Sean Murray: Well, a lot of different things happen in that 380 00:17:05.940 --> 00:17:08.640 whole process, right? You have all these different levels that 381 00:17:08.640 --> 00:17:11.250 made that transaction possible, it starts with the technology. 382 00:17:12.030 --> 00:17:14.490 You know, it's one of those things where, before you pay for 383 00:17:14.490 --> 00:17:17.490 anything, maybe take a look to see what it is you're using, you 384 00:17:17.490 --> 00:17:20.760 know, what, what brand is on it. And all the different layers 385 00:17:20.850 --> 00:17:23.040 that go through it, you know, like people think like, oh, 386 00:17:23.040 --> 00:17:27.510 Visa, MasterCard, or American Express. And that's it. But you 387 00:17:27.510 --> 00:17:29.790 know, those are just the payment networks. And they have all 388 00:17:29.790 --> 00:17:33.030 these different layers in between. And for a lot of people 389 00:17:33.030 --> 00:17:36.300 who work in the space, they're on the frontline signing up 390 00:17:36.300 --> 00:17:39.210 merchants not signing up people to take payments. And that 391 00:17:39.210 --> 00:17:42.630 starts with offering merchants obviously, the the ability to 392 00:17:42.630 --> 00:17:44.850 process that might be the technology giving them like a 393 00:17:44.850 --> 00:17:47.760 POS system, giving them some type of terminal. A lot of 394 00:17:47.760 --> 00:17:50.220 people today they want you know, they want the interface for you 395 00:17:50.220 --> 00:17:54.600 know, on the on the monitor and all that stuff. And, you know, 396 00:17:54.600 --> 00:17:57.270 that's kind of changed the game. And a long time ago, people used 397 00:17:57.270 --> 00:18:01.080 to be very rate sensitive. Where you were competing on rate 398 00:18:01.080 --> 00:18:03.540 because everyone's technology was essentially the same. Yeah. 399 00:18:03.570 --> 00:18:05.880 You know what it's like to compete on rate. 400 00:18:05.910 --> 00:18:07.590 Johny Fernandez: Yeah, cause that was something that you're 401 00:18:07.590 --> 00:18:11.190 like, wait a minute, it's going to charge you X, Y, and Z. If 402 00:18:11.280 --> 00:18:14.700 you use this or yeah, so. Yeah. Because there's certain 403 00:18:14.700 --> 00:18:15.690 scenarios that I've been in. 404 00:18:15.750 --> 00:18:19.590 Sean Murray: Where yeah were you in a in a rate competitive 405 00:18:19.590 --> 00:18:20.070 environment? 406 00:18:20.070 --> 00:18:21.030 Johny Fernandez: Yeah. So. 407 00:18:21.270 --> 00:18:23.520 Sean Murray: Well, you know it was, back when I was doing it, 408 00:18:23.520 --> 00:18:25.890 it was kind of a race to the bottom. Where when you were 409 00:18:25.890 --> 00:18:27.960 signing, when you were competing to get a merchant to accept 410 00:18:27.960 --> 00:18:30.450 credit cards, debit cards, whatever. You were competing 411 00:18:30.450 --> 00:18:32.820 against somebody who essentially had the same technology 412 00:18:32.820 --> 00:18:35.190 offerings as you. Yeah. And it was a race to the bottom and who 413 00:18:35.190 --> 00:18:38.640 could charge the lowest rate? And for awhile, it seemed like 414 00:18:38.640 --> 00:18:42.210 the merchant account industry was dead. Yeah. But all this 415 00:18:42.210 --> 00:18:45.300 technology, it just recreated everything. Yeah. Like, when 416 00:18:45.330 --> 00:18:47.370 like when Square came onto the scene. And they started 417 00:18:47.370 --> 00:18:52.710 charging, you know, three plus percent per transaction. You 418 00:18:52.710 --> 00:18:55.500 know, on a swipe, right, that just changed everything, because 419 00:18:55.590 --> 00:18:58.920 it showed that people weren't as rate conscious, as you thought 420 00:18:59.220 --> 00:19:02.430 that that there was another value proposition to be had. And 421 00:19:02.430 --> 00:19:05.190 that just reinvented the whole whole industry. And it 422 00:19:05.190 --> 00:19:08.280 reinvigorated the whole thing. Every everyone in the chain now 423 00:19:08.550 --> 00:19:11.550 has a lot more to work with then then than they did before. 424 00:19:11.610 --> 00:19:13.680 Johny Fernandez: And I think like Derek said, especially with 425 00:19:13.710 --> 00:19:16.740 with the last year, that was the things that we've been through 426 00:19:16.740 --> 00:19:20.850 the last year. Now people want to use this type of technology, 427 00:19:20.940 --> 00:19:24.270 because they don't want to kind of go back to what we how we 428 00:19:24.270 --> 00:19:26.430 were doing things before. So like you said, it's definitely 429 00:19:26.430 --> 00:19:30.420 brought up more and more of, you know, things like this, like a 430 00:19:30.420 --> 00:19:34.020 credit card processing payment industry to make, you know, it 431 00:19:34.020 --> 00:19:37.140 brought it back to life. Yeah. No one wants to do things a 432 00:19:37.140 --> 00:19:40.200 certain way because of what we've lived through so. Yeah. 433 00:19:40.920 --> 00:19:43.500 Sean Murray: Now, one thing I'll comment on individually is it's 434 00:19:43.500 --> 00:19:45.840 kind of anecdotal. But a lot of time ago when you were getting 435 00:19:45.840 --> 00:19:49.380 into a cab, you pretty much had to pay cash. Right? 436 00:19:49.380 --> 00:19:50.220 Johny Fernandez: Atleast in Manhattan. 437 00:19:50.430 --> 00:19:53.220 Sean Murray: Okay, yeah. we're New Yorkers. 438 00:19:54.480 --> 00:19:55.470 Johny Fernandez: In Manhattan, like. 439 00:19:55.470 --> 00:19:56.970 Sean Murray: In Manhattan, if you got in and you said you want 440 00:19:56.970 --> 00:19:59.040 to pay by credit card, there's a good chance that they will kick 441 00:19:59.040 --> 00:20:00.750 you out of the car. Yeah. You know, they weren't gonna they 442 00:20:00.750 --> 00:20:03.840 weren't going to take they didn't want you, right? That's 443 00:20:03.840 --> 00:20:04.800 not acceptable anymore. 444 00:20:04.800 --> 00:20:07.980 Johny Fernandez: No. Now, it's if you don't have a card, they 445 00:20:07.980 --> 00:20:11.460 look at you like, you have seven heads and they'll kick you out. 446 00:20:11.760 --> 00:20:12.000 Well. 447 00:20:12.060 --> 00:20:15.090 Sean Murray: Have you actually gotten kicked out? Sorry, your 448 00:20:15.090 --> 00:20:16.680 cash is no good here. Does that happen? 449 00:20:16.710 --> 00:20:18.090 Johny Fernandez: It didn't happen. But I didn't have my 450 00:20:18.090 --> 00:20:21.780 credit card. And I ended up using my credit card that I had 451 00:20:21.780 --> 00:20:24.330 linked to my phone. So thank God, I had my phone. And that's 452 00:20:24.330 --> 00:20:27.810 why I paid which blew my mind even more paying with my phone 453 00:20:27.810 --> 00:20:31.050 now, I didn't even have to have my credit card on me, and I 454 00:20:31.050 --> 00:20:33.330 didn't have cash. Yeah. And the guy was like, alright how are 455 00:20:33.330 --> 00:20:35.850 you gonna pay? And it's like, alright, I'm gonna pay with my 456 00:20:35.850 --> 00:20:37.050 credit card through my phone. 457 00:20:38.010 --> 00:20:40.500 Sean Murray: And I think there's actually still some room to go. 458 00:20:40.800 --> 00:20:44.610 Being in New York, maybe we become overly accustomed to 459 00:20:44.610 --> 00:20:48.090 everyone accepting credit cards. But I was in Toronto, I think it 460 00:20:48.090 --> 00:20:52.680 was, I guess, at this point two years ago. And I took a cab as I 461 00:20:52.680 --> 00:20:57.060 do. Yeah. Because I take. I take cabs everywhere, right? And I 462 00:20:57.060 --> 00:20:59.580 want to pay by credit card, and I didn't have any cash. First of 463 00:20:59.580 --> 00:21:03.240 all, I was in Canada, and I didn't do any exchange for cash, 464 00:21:03.270 --> 00:21:06.900 I didn't even bring in American cash to exchange, right. And so 465 00:21:06.900 --> 00:21:09.060 I gave him a card and he still had the old, the old knuckle 466 00:21:09.060 --> 00:21:13.320 buster. Where they take it and. They take the imprints and the 467 00:21:13.320 --> 00:21:15.780 taxi driver was like 100 years old. So he was like right in his 468 00:21:15.780 --> 00:21:18.960 element anyway. But it goes to show that there was you know, 469 00:21:18.960 --> 00:21:20.880 there was still room for improvement. And even even on 470 00:21:20.880 --> 00:21:24.900 the way here, we were in, we were in a cab. And I was 471 00:21:24.900 --> 00:21:29.190 actually with with Keith. Yeah, who was about behind the scenes, 472 00:21:29.460 --> 00:21:32.490 and I started want to pay by credit card, and the guy did 473 00:21:32.490 --> 00:21:35.760 kind of gave me a look like, like, this is gonna be a thing, 474 00:21:35.790 --> 00:21:38.880 not because it causr of the fees. But because of the 475 00:21:38.880 --> 00:21:42.270 process. He's like, this is going to take a few minutes, you 476 00:21:42.270 --> 00:21:44.670 know, he had to like, take out the instruction manual, and 477 00:21:44.670 --> 00:21:47.460 like, read this thing. Give these guys a hard time. All 478 00:21:47.460 --> 00:21:49.500 these things, all these things were happening. You know I'm not 479 00:21:49.500 --> 00:21:53.160 I'm not, I'm not criticizing him, right. But it just goes to 480 00:21:53.160 --> 00:21:57.540 show that there's still more room to go in payments, there's 481 00:21:57.540 --> 00:22:01.140 still more room to grow, there's still businesses out there that 482 00:22:01.140 --> 00:22:04.830 are not completely up to date with tech that can benefit from 483 00:22:04.830 --> 00:22:08.520 that kind of thing. Like you just you just see it. And it 484 00:22:08.520 --> 00:22:12.840 only takes a cab ride for you to find out how much you know shows 485 00:22:12.840 --> 00:22:14.250 like this, and people like this will like really make a 486 00:22:14.250 --> 00:22:15.000 difference in the world. 487 00:22:15.030 --> 00:22:16.950 Johny Fernandez: They do. And it's also interesting just to 488 00:22:16.950 --> 00:22:20.400 see the new technology that's also coming out with the growing 489 00:22:20.400 --> 00:22:22.770 technology, because there's two different things new and 490 00:22:22.770 --> 00:22:28.560 growing. And just to see how you know what's next, for the future 491 00:22:28.560 --> 00:22:31.800 of this industry specifically. So it's exciting to talk to a 492 00:22:31.800 --> 00:22:34.170 lot of the guys the guys here and see like, what they're 493 00:22:34.170 --> 00:22:36.570 doing, what they're going through, how they've recovered, 494 00:22:36.600 --> 00:22:40.560 and just moving forward, you know what their game plan is. So 495 00:22:40.560 --> 00:22:43.770 it's gonna be interesting. It's exciting. And I'm excited to be 496 00:22:43.770 --> 00:22:46.560 here, I'm excited to be here with you. And the gang. Yeah. 497 00:22:46.620 --> 00:22:49.590 deBanked to just, you know, show everyone back in New York and 498 00:22:49.590 --> 00:22:52.470 the world. What's going on here in Florida? 499 00:22:52.500 --> 00:22:57.270 Sean Murray: Yeah, for sure. For sure. Just another anecdotal 500 00:22:57.870 --> 00:23:02.430 tidbit. I was buying lunch the other day, and I swipe my card. 501 00:23:02.820 --> 00:23:06.780 And they it gave me some type of reward for having gotten lunch 502 00:23:06.780 --> 00:23:10.050 there before. Yeah. And I'm like, how did they know who I 503 00:23:10.050 --> 00:23:12.990 am, had my name on the screen and all that stuff. That all 504 00:23:12.990 --> 00:23:16.380 comes from the tech. So if you like by five sandwiches to get 505 00:23:16.380 --> 00:23:20.490 the sixth one free. I don't have to sign up for anything. It just 506 00:23:20.490 --> 00:23:21.990 knows automatically. It just knows. But where did that come 507 00:23:21.990 --> 00:23:23.850 from? It comes from the tech it comes from come from the 508 00:23:23.850 --> 00:23:26.700 payments companies. There's always value add products, and 509 00:23:26.700 --> 00:23:30.570 you know what I actually will continue to eat there gonna 510 00:23:30.570 --> 00:23:35.760 forget five stars. That sixth star, it's a free, it's a free 511 00:23:35.760 --> 00:23:38.820 sandwich, and I didn't have to sign up for anything. I didn't 512 00:23:38.820 --> 00:23:41.280 have you know I didn't have to opt in. Or maybe you know what, 513 00:23:41.490 --> 00:23:44.700 maybe there was a button that required me to opt in. I didn't 514 00:23:44.700 --> 00:23:49.230 even know it. But that's just another another like, component 515 00:23:49.590 --> 00:23:50.640 to everything that's happening. 516 00:23:51.270 --> 00:23:54.150 Johny Fernandez: That's it's amazing. It's interesting to 517 00:23:54.150 --> 00:23:57.750 just o see how the world is overall changing. Yeah. And how 518 00:23:57.750 --> 00:23:59.610 they just lured you into buying a sixth sandwich. 519 00:23:59.700 --> 00:24:02.880 Sean Murray: Yeah, well, the sixth one is free. But but then 520 00:24:02.880 --> 00:24:04.800 you know what, after I get the sixth one, I'm gonna I'm gonna 521 00:24:04.800 --> 00:24:05.760 want more after that. 522 00:24:05.760 --> 00:24:08.310 Johny Fernandez: Yeah. No, that's interesting. Yeah, that's 523 00:24:08.310 --> 00:24:08.640 cool. 524 00:24:08.910 --> 00:24:11.190 Sean Murray: So we've talked a lot about payments, but there 525 00:24:11.190 --> 00:24:13.470 are, there are small business funding people here. 526 00:24:14.250 --> 00:24:15.870 Johny Fernandez: We've seen some already that they. 527 00:24:16.290 --> 00:24:20.220 Sean Murray: They've come up one of those one of those, right? 528 00:24:20.250 --> 00:24:23.880 Yeah. So the worlds are still colliding. I think it would be a 529 00:24:23.880 --> 00:24:26.910 mistake if anyone is out there in the Small Business Finance 530 00:24:26.910 --> 00:24:29.400 world, or even the financial, forget about small business 531 00:24:29.400 --> 00:24:31.680 financial, if you're in finance, you have to pay attention to 532 00:24:31.680 --> 00:24:34.470 payments. It's a big, it's a big part of everything. Yeah. Those 533 00:24:34.470 --> 00:24:37.830 who are in the know are here. Maybe they don't broadcast and 534 00:24:37.830 --> 00:24:40.470 advertise it on their social media. Some of them have a 535 00:24:40.470 --> 00:24:43.980 booth. These are, these are finance companies. Some that we 536 00:24:43.980 --> 00:24:47.460 would report on normally, like fintech. Yeah. Type players. And 537 00:24:47.460 --> 00:24:50.610 so I think that's just like proof positive that everything 538 00:24:50.610 --> 00:24:52.920 continues to to mess with each other. 539 00:24:52.950 --> 00:24:54.930 Johny Fernandez: Yeah, no it's definitely definitely 540 00:24:54.930 --> 00:24:55.710 interesting to see that. 541 00:24:55.740 --> 00:24:57.630 Sean Murray: Yeah. How about you? Are you gonna be are you 542 00:24:57.630 --> 00:24:59.640 gonna be looking at your green badge? That means you're gonna 543 00:24:59.640 --> 00:25:00.960 be meshing and mingling? 544 00:25:01.380 --> 00:25:02.940 Johny Fernandez: Yeah, and that sort of thing. I chose this one 545 00:25:02.940 --> 00:25:06.690 out of all of them, because this is, I'm okay to interact. And 546 00:25:06.810 --> 00:25:09.390 just to get to know, the guys here because, like I said, I 547 00:25:09.390 --> 00:25:13.350 think just the interaction overall is something that is 548 00:25:13.350 --> 00:25:15.990 needed, especially, you know, when you work with two different 549 00:25:15.990 --> 00:25:18.930 types of industries overall, you know, and you see how they 550 00:25:18.930 --> 00:25:22.830 collide. And you see, just, you know, without one, the other one 551 00:25:22.890 --> 00:25:25.470 will go missing and vice versa. So it's definitely interesting 552 00:25:25.620 --> 00:25:28.740 to see and to meet all these people and to see, you know, 553 00:25:28.740 --> 00:25:31.920 what's coming up in the future. So. Yeah. I think with that and 554 00:25:31.920 --> 00:25:34.860 your shirt. Yeah. I think it's going to be a good good next 555 00:25:34.860 --> 00:25:35.430 couple of days. 556 00:25:35.430 --> 00:25:36.720 Sean Murray: What, what was it Tou Tou Sean. 557 00:25:36.720 --> 00:25:38.040 Johny Fernandez: Tou Sean. Sean. 558 00:25:38.070 --> 00:25:39.420 Sean Murray: I don't know why I didn't think of that one. That's 559 00:25:39.420 --> 00:25:41.670 good, yeah, that was good. Yeah, that was really good. 560 00:25:41.700 --> 00:25:43.410 Johny Fernandez: Well, Sean, I guess like, we'll start wrapping 561 00:25:43.410 --> 00:25:46.290 up now. We'll definitely be back within the next couple of 562 00:25:46.290 --> 00:25:48.990 minutes to speak with some more people that are on the ground 563 00:25:48.990 --> 00:25:49.320 here. 564 00:25:49.350 --> 00:25:51.240 Sean Murray: Yeah, we are gonna have some guests. Yeah. It's not 565 00:25:51.270 --> 00:25:54.150 gonna just be Johny and I for the entire time. No that'd be 566 00:25:54.150 --> 00:25:57.180 boring. I will be speaking with a guest. A little bit later on, 567 00:25:57.180 --> 00:26:00.600 not too long from now, from the, from Dedicated Commercial 568 00:26:00.600 --> 00:26:03.690 Recovery. You may know Shawn Smith will be with us quite 569 00:26:03.690 --> 00:26:05.310 soon. And. 570 00:26:05.310 --> 00:26:06.660 Johny Fernandez: We also have more guests coming. 571 00:26:06.870 --> 00:26:09.480 Sean Murray: Yes. That's right. Before you were talking about 572 00:26:09.480 --> 00:26:10.080 the agenda? 573 00:26:10.320 --> 00:26:10.920 Johny Fernandez: Yes. 574 00:26:11.040 --> 00:26:12.720 Sean Murray: We are only gonna be live streaming during 575 00:26:12.720 --> 00:26:16.230 specific times when the exhibit hall is open. Actually, the 576 00:26:16.230 --> 00:26:19.890 times are on our website. If you click an article, the article 577 00:26:19.890 --> 00:26:23.790 that says SEAA show, it should show you the times that we're 578 00:26:23.790 --> 00:26:26.250 going to be live during the exhibit hall time. So it won't 579 00:26:26.250 --> 00:26:29.460 be the entire day straight. But we'll we will be starting quite 580 00:26:29.460 --> 00:26:31.740 early in the morning. Yeah. So even before most of you get to 581 00:26:31.740 --> 00:26:34.140 work, so if you wake up and if you want to tune in straight 582 00:26:34.140 --> 00:26:38.730 away, you can go ahead and do that. debanked.com/tv or even 583 00:26:38.760 --> 00:26:39.660 even the homepage too. 584 00:26:39.750 --> 00:26:41.250 Johny Fernandez: You can do it on your phone too, we'll be live 585 00:26:41.250 --> 00:26:44.520 streaming from the phone. Yeah. Your website, your computer, you 586 00:26:44.520 --> 00:26:46.560 can go on the website. So definitely looking forward to 587 00:26:46.560 --> 00:26:48.810 that and definitely looking forward to seeing you know how 588 00:26:48.810 --> 00:26:51.750 the rest of the day goes ,the event tomorrow goes. It's an 589 00:26:51.750 --> 00:26:54.090 exciting time to be here. And I think overall, it's exciting to 590 00:26:54.090 --> 00:26:57.810 be in person with people, 2021 we never thought this would 591 00:26:57.810 --> 00:26:59.310 happen. But we are finally here. 592 00:26:59.370 --> 00:27:01.020 Sean Murray: I can't wait to see what happy hour looks like. 593 00:27:01.050 --> 00:27:02.280 Johny Fernandez: I know me neither that's gonna be a great 594 00:27:02.280 --> 00:27:06.030 time. So alright, you guys from here, Bonita Springs, Florida. 595 00:27:06.030 --> 00:27:08.670 We will be back soon. I'm Johny Fernandez. 596 00:27:08.730 --> 00:27:09.780 Sean Murray: I'm Sean Murray, see you soon. 597 00:27:09.810 --> 00:27:11.070 Johny Fernandez: And this is Tou Tou Sean. 598 00:27:11.100 --> 00:27:11.400 Sean Murray: Tou Sean. 599 00:27:11.430 --> 00:27:12.120 Johny Fernandez: Tou Sean. 600 00:27:12.120 --> 00:27:14.070 Sean Murray: Tou Sean Sam. Or Tou Sean, Sean.