1 00:00:00.000 --> 00:00:02.100 Johny Fernandez: Thank you guys so much for joining us today, 2 00:00:02.130 --> 00:00:04.530 Sean, another great day, you know, it's a little cold 3 00:00:04.530 --> 00:00:08.970 outside, but it's sunny. So I'm excited because it just reminds 4 00:00:08.970 --> 00:00:12.570 me that we are just a couple of weeks from our big Miami event. 5 00:00:12.690 --> 00:00:13.230 Sean Murray: That's true. 6 00:00:13.260 --> 00:00:14.520 Johny Fernandez: We're gonna talk about that in just a 7 00:00:14.520 --> 00:00:15.960 moment. But Sean go ahead. 8 00:00:16.440 --> 00:00:19.890 Sean Murray: Sure. I wanted to bring up the fact we have a 9 00:00:19.890 --> 00:00:25.560 story up on our site today. And it's about using Siri and Alexa. 10 00:00:26.490 --> 00:00:28.140 In the financial world. 11 00:00:28.950 --> 00:00:34.110 Johny Fernandez: I read just a little bit of what you posted. 12 00:00:34.140 --> 00:00:37.170 You asked Alexa a very important question. 13 00:00:37.170 --> 00:00:40.390 Sean Murray: I did. So this was unprompted. It wasn't for the 14 00:00:40.390 --> 00:00:43.480 story. Okay, I forget how it came up. Okay. I think what 15 00:00:43.480 --> 00:00:47.530 happened was, I was at home and I asked a question that I did 16 00:00:47.530 --> 00:00:49.570 not think Alexa would be able to answer 17 00:00:49.630 --> 00:00:50.590 Johny Fernandez: What was the question? 18 00:00:50.630 --> 00:00:53.120 Sean Murray: Something. It was something. It was like it was 19 00:00:53.120 --> 00:00:57.710 something complex. Okay. Almost asking in jest. Okay. Right. And 20 00:00:57.710 --> 00:01:04.070 it gave a very detailed, long answer. And I was like, what? 21 00:01:04.580 --> 00:01:08.510 Like, okay, that's way more than I expected out of this device, 22 00:01:08.540 --> 00:01:13.610 which I'm really I really use it for music for the lights. Yeah. 23 00:01:14.810 --> 00:01:19.190 The temperature. Okay. But not a whole lot more. Occasionally. I 24 00:01:19.190 --> 00:01:22.460 have used it for like, online shopping, like getting groceries 25 00:01:22.460 --> 00:01:27.770 to my Amazon fresh cart. But what and so then I said, How 26 00:01:27.770 --> 00:01:30.230 much more did Alexa know here cause that really threw me off. 27 00:01:30.230 --> 00:01:34.550 So I said, Alexa, what is deBanked? And I expected 28 00:01:34.550 --> 00:01:38.090 obviously, to get no answer. Right? Or like sorry, you know, 29 00:01:38.840 --> 00:01:41.630 you know, please try again, or whatever. But instead, it's 30 00:01:41.690 --> 00:01:45.500 instead, Alexa said deBanked is your guide to the non bank 31 00:01:45.500 --> 00:01:49.430 finance universe. And I was like, what? How did it know 32 00:01:49.430 --> 00:01:53.750 that? I had nothing to do with that. No one here in the office 33 00:01:53.780 --> 00:01:57.020 had anything to do with putting that information into the Alexa 34 00:01:57.020 --> 00:01:59.750 knowledge base. And I was just like, whoa. 35 00:02:00.050 --> 00:02:02.930 Johny Fernandez: Do you? Do you talk about work at home? 36 00:02:04.310 --> 00:02:06.890 Sean Murray: Do I talk about work? Yeah. I mean, obviously, 37 00:02:06.890 --> 00:02:09.200 to some extent I talk about work. It's not from that it 38 00:02:09.200 --> 00:02:12.020 wasn't listening. Dude. It's not from that it's not from that 39 00:02:12.530 --> 00:02:14.930 Johny Fernandez: Also, do you like maybe it picked up you 40 00:02:14.930 --> 00:02:17.570 know, things that you've searched on your connected 41 00:02:17.570 --> 00:02:18.410 devices? 42 00:02:18.830 --> 00:02:21.860 Sean Murray: Maybe. But it gave, it gave a very definitive 43 00:02:21.890 --> 00:02:26.570 answer. Okay. And it wasn't like I had no idea where this info 44 00:02:26.570 --> 00:02:29.750 came from. It's clear that they got it from our it's clear that 45 00:02:29.780 --> 00:02:31.580 Alexa got it from our website. 46 00:02:32.060 --> 00:02:35.420 Johny Fernandez: So you're telling me is Alexa goes on 47 00:02:35.450 --> 00:02:35.840 deBanked.com 48 00:02:36.650 --> 00:02:40.160 Sean Murray: It had to have gone they obviously had an internet 49 00:02:40.160 --> 00:02:44.720 spider, go to our site, because it read a line from our About Us 50 00:02:44.720 --> 00:02:47.330 page. That's where that information came from. I'm like 51 00:02:47.450 --> 00:02:50.240 that exact phrase. I think that's a tagline we've certainly 52 00:02:50.240 --> 00:02:55.220 used. It's on our About Us page. So Alexa had an internet crawler 53 00:02:55.220 --> 00:02:57.830 internet spider go on our site, pull that information. And if 54 00:02:57.830 --> 00:03:00.350 you ask Alexa, what is deBanked? Now I'm assuming everyone's 55 00:03:00.350 --> 00:03:03.410 Alexa is giving the same answer. Maybe I'm completely wrong. But 56 00:03:03.410 --> 00:03:06.920 when I asked the question, it read back to me exactly what 57 00:03:06.920 --> 00:03:10.550 deBanked was, as it's defined on our website. That really 58 00:03:10.550 --> 00:03:14.150 surprised me. That was a whole separate thing that I was never 59 00:03:14.150 --> 00:03:17.090 even going to talk about here. The reason that is coming up is 60 00:03:17.090 --> 00:03:21.080 that this company called Smarter Loans, they're a Canadian, 61 00:03:21.230 --> 00:03:27.290 FinTech, loan and directory marketplace. They put out their 62 00:03:27.290 --> 00:03:32.420 annual FinTech report, they conduct a survey every year of 63 00:03:32.420 --> 00:03:35.690 people who have applied for online loans. And one of the 64 00:03:35.690 --> 00:03:40.160 questions that they asked was whether a person who had sought 65 00:03:40.160 --> 00:03:44.990 an online loan had ever asked Siri or Alexa or another voice 66 00:03:45.020 --> 00:03:49.700 assistant for information about financial services, and 25% of 67 00:03:49.700 --> 00:03:55.010 them said, yes, they had. And I was like, whoa, it never 68 00:03:55.010 --> 00:03:58.460 occurred to me to ask a financial service question to 69 00:03:58.460 --> 00:04:01.790 Siri. Yeah, or like do you have do you have Alexa or Siri or 70 00:04:01.790 --> 00:04:04.370 what do you have here? She's right here. Yeah. Oh, Siris oh 71 00:04:04.370 --> 00:04:06.680 Siris listening the whole time. Oh, hi, Siri. Hi. 72 00:04:06.720 --> 00:04:12.960 Johny Fernandez: Hey, Siri, how's it going? What is deBanked 73 00:04:15.990 --> 00:04:17.190 What is deBanked? 74 00:04:21.350 --> 00:04:25.520 Sean Murray: Which funny is that it just brought up my my, my 75 00:04:25.520 --> 00:04:28.460 contact information in his phone. So that was somewhat 76 00:04:28.790 --> 00:04:33.110 somewhat helpful. But Alexa, Alexa's answer, was obviously 77 00:04:33.230 --> 00:04:36.350 better suited for all that we're talking about. It's funny that 78 00:04:36.350 --> 00:04:39.620 it brought me up. I guess I'm in your phone is like Sean deBanked 79 00:04:40.220 --> 00:04:46.340 Which is pretty accurate. It is. But 25% of people have asked 80 00:04:47.660 --> 00:04:51.920 Siri or Alexa, a financial services question. Have you ever 81 00:04:51.920 --> 00:04:55.880 asked Siri Siri has Johnny ever asked you about financial 82 00:04:55.880 --> 00:04:57.860 services before? What would she say? 83 00:04:58.160 --> 00:05:01.130 Johny Fernandez: Hey Siri, what is financial services? 84 00:05:02.990 --> 00:05:05.360 Sean Murray: Financial services are the economic services 85 00:05:05.360 --> 00:05:08.000 provided by the finance industry. Alright, so yeah, it's 86 00:05:08.000 --> 00:05:10.790 one thing to ask about what is financial services? But I think 87 00:05:10.790 --> 00:05:11.150 I think, 88 00:05:11.360 --> 00:05:13.670 Johny Fernandez: Personally, on a personal level, I have never 89 00:05:13.670 --> 00:05:18.170 asked Siri or when I go to my sister's house or my parents 90 00:05:18.170 --> 00:05:21.920 house, they have Alexa. Yeah. And I've never asked 91 00:05:21.920 --> 00:05:26.720 specifically Hey, Alexa, you know, what is? Or like, you 92 00:05:26.720 --> 00:05:29.570 know, what is deBanked? I've never done it. Yeah. I'm, you 93 00:05:29.570 --> 00:05:32.840 know, I'm an old soul. So I kind of just do everything online. 94 00:05:32.870 --> 00:05:37.910 Yeah, I'll type www.google.com. Yeah, and I'll put in my, my, 95 00:05:38.120 --> 00:05:40.730 whatever I'm looking for. Yeah. Or I'll go to I'll go to 96 00:05:41.300 --> 00:05:42.830 deBanked. Yeah, for like, 97 00:05:42.840 --> 00:05:43.590 Sean Murray: I hope so. 98 00:05:43.590 --> 00:05:45.340 Sean Murray: I hope that's where you do all you're searching. 99 00:05:45.340 --> 00:05:45.500 Johny Fernandez: Yeah, 100 00:05:46.240 --> 00:05:50.230 Interestingly enough in that same study, they reported that 101 00:05:50.410 --> 00:05:56.680 50, only 57% of people who discovered the lender they were 102 00:05:56.680 --> 00:06:01.840 looking for bounded through an internet search. Only 57%. So in 103 00:06:01.840 --> 00:06:07.240 the olden days, the olden days, being listed high on Google was 104 00:06:07.240 --> 00:06:10.480 the be all end all. Because if you were going to be found off 105 00:06:10.630 --> 00:06:13.900 off the internet, on the on the internet, it had to be on 106 00:06:13.900 --> 00:06:17.500 Google, right. And nowadays, there's a lot of other aspects 107 00:06:17.500 --> 00:06:21.430 to the internet that people trust. Social media had ranked 108 00:06:21.430 --> 00:06:23.980 actually pretty high, I think it was like 13% of respondents said 109 00:06:23.980 --> 00:06:26.950 they discovered the lender that they ended up working with on 110 00:06:26.950 --> 00:06:28.720 social media. That's incredible. 111 00:06:28.750 --> 00:06:29.320 Johny Fernandez: That is incredible. 112 00:06:29.320 --> 00:06:31.150 Sean Murray: The first time they discovered them or encountered 113 00:06:31.150 --> 00:06:33.160 them was on social media. 114 00:06:33.190 --> 00:06:36.370 Johny Fernandez: So what that means is your social media 115 00:06:36.370 --> 00:06:38.620 presence, your internet presence, your Metaverse 116 00:06:38.620 --> 00:06:40.150 presence is important. 117 00:06:40.960 --> 00:06:41.500 Sean Murray: Yes, 118 00:06:41.500 --> 00:06:44.390 Johny Fernandez: Yes, it is. Well, because that's it. That's 119 00:06:44.390 --> 00:06:49.280 it for me as someone as a millennial. Yeah. Everything we 120 00:06:49.280 --> 00:06:54.500 get is from the internet. Like that's, that's the first place 121 00:06:54.500 --> 00:06:58.370 of reference that we get. Yeah, that I go to. So you might be a 122 00:06:58.370 --> 00:06:59.330 little bit different. But 123 00:06:59.480 --> 00:07:02.120 Sean Murray: No, I mean, I would I do the same. I start on the 124 00:07:02.120 --> 00:07:05.870 internet for basically almost everything. Yeah, yeah. I don't 125 00:07:05.870 --> 00:07:09.710 think that you have to be, you know, young, you have to be Gen 126 00:07:09.710 --> 00:07:13.370 Z to be internet, internet first. Yeah, I know, I know. I 127 00:07:13.370 --> 00:07:15.980 know, you're like, you know, Gen X or Boomer at heart, but Boomer 128 00:07:15.980 --> 00:07:19.790 at heart, Boomer at heart. But I think a lot of people start on 129 00:07:19.790 --> 00:07:23.930 the internet. It also mentioned in this report, that's 60% of 130 00:07:23.930 --> 00:07:29.300 people would feel higher competence in working with a 131 00:07:29.300 --> 00:07:32.180 lender if they had an informational video that they 132 00:07:32.180 --> 00:07:35.210 could watch. Oh, that's interesting. Yeah, that it 133 00:07:35.210 --> 00:07:36.020 builds confidence. 134 00:07:36.020 --> 00:07:38.646 Johny Fernandez: It does I can definitely see why. Having a 135 00:07:38.713 --> 00:07:42.267 background in broadcast television, you know, digital 136 00:07:42.334 --> 00:07:46.156 media production. I think everyone's very visual. And the 137 00:07:46.223 --> 00:07:50.178 reality is, I think, from the survey from other places that 138 00:07:50.245 --> 00:07:54.335 I've worked at it the, probably a little bit more than 50% of 139 00:07:54.402 --> 00:07:58.492 people, they have the reading capacity of a sixth grader. And 140 00:07:58.559 --> 00:08:02.515 that means like, just their capacity to like, absorb absorb 141 00:08:02.582 --> 00:08:06.940 knowledge, is usually visual. So that makes a lot of sense. Yeah, 142 00:08:07.007 --> 00:08:11.298 that you know, if you can see it if you can, like, not touch it, 143 00:08:11.365 --> 00:08:15.120 you can't or you kind of can touch the TV screen I guess 144 00:08:15.480 --> 00:08:16.830 Sean Murray: Well, I guess if Yeah. 145 00:08:18.030 --> 00:08:20.370 Johny Fernandez: But if you can see it, it makes it more real, 146 00:08:20.400 --> 00:08:23.070 like, you know, and it's under, like, you can understand it more 147 00:08:23.070 --> 00:08:25.350 versus it's just words yet. 148 00:08:25.480 --> 00:08:31.090 Sean Murray: It didn't it didn't mention or ask whether or not if 149 00:08:31.090 --> 00:08:32.860 there was a person present in the video. 150 00:08:32.860 --> 00:08:34.550 Johny Fernandez: I was just gonna bring that up. Because I 151 00:08:34.550 --> 00:08:37.940 think what's important is the way it's narrated, whether it's 152 00:08:37.940 --> 00:08:41.960 someone on camera, or someone off camera, the the verb, like 153 00:08:41.960 --> 00:08:45.590 the language that they use, you know, the verbiage all that 154 00:08:45.590 --> 00:08:50.090 matters, because people have the attention span of a fifth to 155 00:08:50.090 --> 00:08:52.940 sixth grader. Yeah. So you can't use big words, you have to 156 00:08:52.940 --> 00:08:56.360 really dumb things down and make sure they fully understand it 157 00:08:56.510 --> 00:08:59.870 and use basic English because not everyone's gone to college. 158 00:08:59.870 --> 00:09:03.080 Not everyone knows the fancy finance terms and they want 159 00:09:03.080 --> 00:09:06.440 those things broken down. Yeah. So that's a big piece of advice 160 00:09:06.440 --> 00:09:08.780 that people pay a lot of money for is that if you are making 161 00:09:08.780 --> 00:09:11.930 videos, to use simple language, because that's going to play a 162 00:09:11.930 --> 00:09:15.860 huge role in why people stay and watch your videos and find you 163 00:09:15.860 --> 00:09:17.960 credible and find you trustworthy. 164 00:09:18.440 --> 00:09:20.750 Sean Murray: That's good advice. Yeah, that's really maybe we 165 00:09:20.750 --> 00:09:24.020 should simplify what we're saying. We should. We try to 166 00:09:24.020 --> 00:09:26.690 keep it pretty simple. We do try to try to keep it pretty simple 167 00:09:26.690 --> 00:09:31.790 here. One thing I was a little disappointed in was that they 168 00:09:31.910 --> 00:09:35.960 did not study or did not expand further on the Siri and Alexa 169 00:09:35.960 --> 00:09:40.520 question. I wish we could know more about what type of 170 00:09:40.520 --> 00:09:44.600 financial services they asked about or how they asked the 171 00:09:44.600 --> 00:09:47.420 question. And maybe this kind of feeds into what you were just 172 00:09:47.420 --> 00:09:52.280 saying about simplicity. But I think it's easier for someone to 173 00:09:52.280 --> 00:09:57.560 say say out loud to themselves in a room. Yeah. What are my 174 00:09:57.560 --> 00:10:01.310 loan options? Yeah, versus going on the internet Yeah, having all 175 00:10:01.310 --> 00:10:03.470 these banner ads, you know, if you go onto Google, you're 176 00:10:03.500 --> 00:10:07.400 bombarded with ads, and you're like, landing a lender for my 177 00:10:07.400 --> 00:10:10.520 business. And you get all these links. And you're like, I click 178 00:10:10.520 --> 00:10:13.580 here. I don't know if I can trust this one, right? Yeah. And 179 00:10:13.580 --> 00:10:15.410 everyone's competing for your attention. 180 00:10:15.410 --> 00:10:18.090 Johny Fernandez: But my question is, and it's also your question 181 00:10:18.090 --> 00:10:22.740 is How? How does Alexa, I'm calling her she cause of the 182 00:10:22.740 --> 00:10:28.590 name. Alexa, how does she pick? The information? Like, That's 183 00:10:28.740 --> 00:10:33.300 the million dollar question is like, how does she know that 184 00:10:33.300 --> 00:10:37.800 this person is legitimate? This person is trustworthy. In this 185 00:10:37.800 --> 00:10:41.220 space, like, it's like, hey, I need you know, a lender, like, 186 00:10:41.250 --> 00:10:44.820 Alexa, which lender? Should I use? Or Hey, Siri, what lender 187 00:10:44.820 --> 00:10:45.570 should I use? 188 00:10:45.960 --> 00:10:48.180 Sean Murray: This obviously warrants a much further 189 00:10:48.180 --> 00:10:53.340 investigation. We did not have the opportunity to go and know 190 00:10:53.430 --> 00:10:57.060 and question or query all these things. Siris already giving us 191 00:10:57.060 --> 00:10:59.820 the answer oh that's because she wants to catch up. She heard us 192 00:10:59.820 --> 00:11:02.430 talking so positively about Alexa. She's like, I know, I 193 00:11:02.430 --> 00:11:06.210 know. Check out these, you know, these links on I found on the 194 00:11:06.210 --> 00:11:11.460 internet. But, you know, I would love to know more about exactly 195 00:11:11.460 --> 00:11:15.300 what was asked and think about the power that you could just 196 00:11:15.330 --> 00:11:20.340 have someone asking a question, what are my loan options? Or who 197 00:11:20.340 --> 00:11:22.860 are the best lenders, just saying it out loud is even 198 00:11:22.890 --> 00:11:27.780 easier than go opening taking out your device and typing 199 00:11:27.780 --> 00:11:30.060 something into Google then just thinking about like, what do I 200 00:11:30.060 --> 00:11:32.970 Google that gives me the result I want. And then Google is going 201 00:11:32.970 --> 00:11:36.600 to show you some ads on top of the organic links. You're like, 202 00:11:36.600 --> 00:11:40.590 Hey, I just I'm just asking a question in my own bedroom, and 203 00:11:40.590 --> 00:11:43.410 I can have a voice spoken back to me. I think everyone out 204 00:11:43.410 --> 00:11:45.720 there should be thinking about the potential of this 205 00:11:45.720 --> 00:11:48.480 technology, because we've been talking so much about like, hey, 206 00:11:48.480 --> 00:11:51.120 there's a button in QuickBooks Right? Or, Hey, there's this 207 00:11:51.120 --> 00:11:54.810 button in square. Yeah, hey, there's DoorDash capital, right? 208 00:11:54.900 --> 00:11:59.250 You have all these different pieces of technology that 209 00:11:59.250 --> 00:12:01.290 business owners are working with? You're like, oh, the 210 00:12:01.290 --> 00:12:04.500 button is the be all end all? No, it's if you're working with 211 00:12:04.500 --> 00:12:08.400 the food partner, has to be all end all. But now imagine, it's 212 00:12:08.400 --> 00:12:12.120 the device that the business owner is speaking to, in the 213 00:12:12.120 --> 00:12:15.120 privacy of their own home, they don't even have to go on to 214 00:12:15.120 --> 00:12:19.290 Google, or open up QuickBooks to hit a button. They can just say, 215 00:12:19.290 --> 00:12:21.870 who's the best lender? I don't know what the answer. That's 216 00:12:21.900 --> 00:12:24.450 honestly, that's the part of the part of the fun part about this. 217 00:12:24.660 --> 00:12:26.940 I don't know what the answer would be. But I think it's 218 00:12:26.940 --> 00:12:30.420 important that everyone start to look into it and imagine, yeah, 219 00:12:30.420 --> 00:12:33.780 and think about how do they get? How do they become the answer? 220 00:12:33.810 --> 00:12:36.330 Because I think Alexa is designed to give the answer that 221 00:12:36.330 --> 00:12:40.800 people seek not really to do you know, advertising or rankings, 222 00:12:40.800 --> 00:12:43.140 or I'm not sure how that works. You know, like I said, this is 223 00:12:43.140 --> 00:12:46.410 all this was all a surprise to me. But I think everyone out 224 00:12:46.410 --> 00:12:49.350 there should be thinking about voice assistants. And if people 225 00:12:49.350 --> 00:12:52.950 are querying them to get an answer, are you that answer? 226 00:12:53.170 --> 00:12:56.680 Johny Fernandez: Yeah, it reminds me a lot of there is a 227 00:12:56.680 --> 00:13:01.150 movie that came out in early 2000s, late 90s, early 2000s, it 228 00:13:01.150 --> 00:13:03.970 was on Disney Channel it's a Disney Channel Original Movie, 229 00:13:04.210 --> 00:13:06.760 it was called Smart House, and you can talk to the house and 230 00:13:06.760 --> 00:13:09.220 the house will respond, essentially where we've come. 231 00:13:09.610 --> 00:13:13.990 Except it's not your house. It's this device. But when you ask, 232 00:13:14.170 --> 00:13:17.140 you know, the device, certain questions, it would respond to 233 00:13:17.140 --> 00:13:19.480 you, automatic it was like a crazy. It was like, oh my god, 234 00:13:19.570 --> 00:13:22.300 this is the house of the future. Now we are in the future. This 235 00:13:22.300 --> 00:13:25.840 is 20 years later. And now we have it. But the quiet like the 236 00:13:25.840 --> 00:13:28.120 question that we all want to know you've been saying it is 237 00:13:28.120 --> 00:13:31.360 how do you get her to respond with your Yeah, you know, your 238 00:13:31.360 --> 00:13:35.650 company, your whatever you have to offer? Because if you can 239 00:13:35.650 --> 00:13:39.010 figure that out, I mean, you're pretty much you're in for, you 240 00:13:39.010 --> 00:13:41.140 know, that's like the best type of PR, 241 00:13:41.140 --> 00:13:43.070 Sean Murray: So I'm just taking off the cuff right here. I'm 242 00:13:43.070 --> 00:13:47.150 just thinking off the cuff right now. Okay. That study also said 243 00:13:47.150 --> 00:13:50.570 that, like, I think it was only like 9%. But that 9% of people 244 00:13:51.380 --> 00:13:53.960 decided that when they had questions they asked like a 245 00:13:53.960 --> 00:13:58.250 neighbor or a friend. And there's an entire segment of the 246 00:13:58.250 --> 00:14:02.870 industry that we often talk about that is convinced and has 247 00:14:02.870 --> 00:14:07.580 seen from their own data and experience the value in being 248 00:14:07.580 --> 00:14:10.520 able to talk to the customer when they have questions that 249 00:14:10.760 --> 00:14:14.690 customers or potential customers, they want to talk to 250 00:14:14.690 --> 00:14:17.300 somebody before they go through with something they're like, we 251 00:14:17.300 --> 00:14:19.280 can't all be tech you have to have that. That 252 00:14:19.280 --> 00:14:21.790 Johny Fernandez: That human Yeah, human interaction, but I 253 00:14:21.790 --> 00:14:24.430 want to talk to someone but I think that's that's for 254 00:14:24.490 --> 00:14:27.580 everything. Cause at the end of the day, in my mind, this is 255 00:14:27.580 --> 00:14:32.470 Johnny Fernandez like Boomer millennial mind. You know, the 256 00:14:32.470 --> 00:14:35.920 internet is great. You know, the references or resources that you 257 00:14:35.920 --> 00:14:38.680 can get online is great. But if I had a question, I would love 258 00:14:38.680 --> 00:14:43.090 to talk to you in person, just just like a level of security to 259 00:14:43.090 --> 00:14:45.970 make sure like, hey, like, is this guy really good? Or is this 260 00:14:45.970 --> 00:14:49.510 company really good? And there's something that the internet will 261 00:14:49.510 --> 00:14:52.900 never, like the internet is great, but I think like we've 262 00:14:52.900 --> 00:14:55.630 seen and stories that you've done, anyone can put anything 263 00:14:55.630 --> 00:14:58.750 online. But there's something about like a human connection 264 00:14:58.750 --> 00:14:59.530 that you're like alright 265 00:14:59.530 --> 00:15:02.307 Sean Murray: Alright so hear me out. I didn't get to I didn't 266 00:15:02.365 --> 00:15:05.617 get I'm sorry. I got kind of excited go ahead. Is it the 267 00:15:05.675 --> 00:15:09.160 human element? Or is it the talking to someone? Because what 268 00:15:09.218 --> 00:15:11.947 if that person sees the information or gets the 269 00:15:12.006 --> 00:15:15.606 information now wants to talk to someone about it? And who are 270 00:15:15.664 --> 00:15:19.033 they talking to? They start talking to Alexa about it. And 271 00:15:19.033 --> 00:15:19.091 We are we are in the future. At this point. That's you're 272 00:15:19.091 --> 00:15:22.749 Alexa has given them the answers and feedback. So they're still 273 00:15:22.807 --> 00:15:26.176 talking to someone. The question becomes, is it just about 274 00:15:26.234 --> 00:15:29.602 talking to someone and hearing it verbally and getting the 275 00:15:29.660 --> 00:15:33.145 answers to the information they feel comfortable with? Or do 276 00:15:33.203 --> 00:15:36.629 they actually have to be a physical human being? I think, I 277 00:15:36.687 --> 00:15:40.230 think this is just me talking off the cuff. This could be one 278 00:15:40.288 --> 00:15:43.830 of those things where we place such a high value on the human 279 00:15:43.889 --> 00:15:47.663 connection and customers wanting to talk to someone, I think, and 280 00:15:47.721 --> 00:15:51.438 I would have to bet that Amazon has already thought this through 281 00:15:51.496 --> 00:15:55.155 is that that someone that they could talk to will be Alexa. And 282 00:15:55.213 --> 00:15:58.756 so I want to talk to someone, that's, that's someone is gonna 283 00:15:58.814 --> 00:16:02.240 be the device in their house. And they're gonna provide all 284 00:16:02.298 --> 00:16:05.550 the answers that they want, and you don't need the human 285 00:16:05.608 --> 00:16:09.383 anymore. They will get the human experience, but from the device, 286 00:16:09.441 --> 00:16:12.635 they talked to that with somebody that had a little big 287 00:16:12.694 --> 00:16:16.062 chat with something they trust in the comfort of their own 288 00:16:16.120 --> 00:16:17.340 home. Think about it. 289 00:16:26.600 --> 00:16:28.670 describing that movie smart house. 290 00:16:28.700 --> 00:16:31.070 Oh, is that part of the movie. Okay. Yeah, they have a 291 00:16:31.070 --> 00:16:33.920 relationship with I feel like this sounds like almost like a 292 00:16:33.920 --> 00:16:35.600 2am conversation. Yeah, you know what I mean. 293 00:16:36.620 --> 00:16:37.490 Johny Fernandez: But in the movie, they have this 294 00:16:37.490 --> 00:16:42.770 relationship with the house and like the house like it's just a 295 00:16:42.770 --> 00:16:46.430 very weird movie, but it's not because where we live in now. 296 00:16:46.460 --> 00:16:50.750 Yeah. It's a what we're living in now. It's literally like, you 297 00:16:50.750 --> 00:16:53.810 know, the house takes care of that. They don't have a mom in 298 00:16:53.810 --> 00:16:55.700 the movie The Premises. Yeah, they don't have a mom. So the 299 00:16:55.700 --> 00:16:58.850 house is like their mom. And like they the house cleans up 300 00:16:58.850 --> 00:17:01.310 for them, and the houses everything for them. And the 301 00:17:01.310 --> 00:17:04.550 house isn't real. But something happens and then like the house 302 00:17:04.550 --> 00:17:08.120 becomes real but anyways, but house is real, but it's like it. 303 00:17:08.150 --> 00:17:15.650 Like it takes care of them. Like a human. But it's not it's just 304 00:17:15.650 --> 00:17:17.180 a house. It's a smart house. 305 00:17:17.180 --> 00:17:19.626 Sean Murray: So I think the takeaway here is everyone should 306 00:17:19.678 --> 00:17:22.406 be thinking about voice assistance and the potential 307 00:17:22.459 --> 00:17:25.187 potential of how they can be incorporated into their 308 00:17:25.240 --> 00:17:28.125 business. Yeah, it definitely warrants further study. I 309 00:17:28.178 --> 00:17:31.169 personally plan to look into this further. I would like I 310 00:17:31.221 --> 00:17:34.317 definitely like to know more shout out to smarter loans for 311 00:17:34.369 --> 00:17:37.360 putting together that annual FinTech report. I truly love 312 00:17:37.412 --> 00:17:40.770 that stat just because it played into the fact that I just asked 313 00:17:40.823 --> 00:17:43.813 Alexa, what is deBanked and Alexa knew, so I'm curious to 314 00:17:43.813 --> 00:17:43.866 So let me ask you this. Are you comfortable talking to Alexa? 315 00:17:43.866 --> 00:17:46.647 find out what else Alexa knows. as people become more 316 00:17:46.699 --> 00:17:50.057 comfortable asking more complex questions and getting the answer 317 00:17:50.110 --> 00:17:53.363 they seek the whole idea of I want to talk to someone before I 318 00:17:53.415 --> 00:17:56.511 do something that person could easily be that someone could 319 00:17:56.563 --> 00:17:58.610 easily be Alexa Siri or something else. 320 00:18:01.670 --> 00:18:07.460 Like, we like about recommendations that like do you 321 00:18:08.420 --> 00:18:10.160 So personally, on a personal level, 322 00:18:10.190 --> 00:18:13.430 I believe in really using it for basic things. What is the 323 00:18:13.430 --> 00:18:20.120 temperature? will it rain? Play music, add something to an 324 00:18:20.120 --> 00:18:24.500 online shopping cart, right? Like, like Amazon Fresh or 325 00:18:24.500 --> 00:18:28.160 something? Turn on the lights turn off the lights. For me, I 326 00:18:28.160 --> 00:18:31.940 already thought that was the extent of it. It apparently is 327 00:18:31.940 --> 00:18:35.540 way more complex than I had ever imagined. Right? And I think 328 00:18:35.540 --> 00:18:38.930 that there's a real opportunity for people to to look into 329 00:18:42.720 --> 00:18:44.580 Johny Fernandez: I don't really use Siri to be honest. 330 00:18:44.850 --> 00:18:47.910 Sean Murray: I don't use Siri either. Or I don't think Siri my 331 00:18:47.910 --> 00:18:51.210 personal opinion. Siri is not nearly as good as Alexa. 332 00:18:51.420 --> 00:18:54.030 Johny Fernandez: And I don't have an Alexa. So 333 00:18:55.050 --> 00:18:57.270 Sean Murray: Johnny, you're just very manual. 334 00:18:57.270 --> 00:19:00.090 Johny Fernandez: I just like to copy will be like Hello. Yeah. 335 00:19:00.210 --> 00:19:03.450 Very old fashioned. I am. I'm scared people are gonna take my 336 00:19:03.450 --> 00:19:05.610 identity. But they pretty much have it already. 337 00:19:07.100 --> 00:19:08.810 Sean Murray: Were were just talking you there. Yeah, your 338 00:19:08.810 --> 00:19:09.530 phone was just talking to you. 339 00:19:09.530 --> 00:19:13.140 Johny Fernandez: Oh, gosh, this is weird. The world we're living 340 00:19:13.140 --> 00:19:17.850 in. It's crazy. I don't like it. I love it. I like I like old 341 00:19:17.850 --> 00:19:21.840 school stuff. I like you know, recommendations. I like paper 342 00:19:21.840 --> 00:19:26.700 pencil touch feel like a device. I go crazy. If I just had a 343 00:19:26.700 --> 00:19:29.790 device. I had no friends on a personal level. But anyways, 344 00:19:31.320 --> 00:19:32.670 speaking of 345 00:19:33.120 --> 00:19:36.270 Sean Murray: That was like the three am that was quiet is like, 346 00:19:36.600 --> 00:19:41.190 I just like touching things man. Like being personal. 347 00:19:43.010 --> 00:19:44.990 Johny Fernandez: Alright, it's gonna get weird. Yeah. Alright, 348 00:19:44.990 --> 00:19:50.690 so back to it being 1251. So, let's, the conversation that 349 00:19:50.690 --> 00:19:53.000 we're gonna talk about now. I'm really excited about it's 350 00:19:53.330 --> 00:19:58.130 regarding Miami. So our March 24 deBanked Connect Miami. We are 351 00:19:58.130 --> 00:20:01.670 back in Miami the industries back in May for deBanked Connect 352 00:20:01.670 --> 00:20:05.570 Miami. So Sean, this is going to be taking place at the JW, 353 00:20:05.570 --> 00:20:10.700 Marriott Marquis right? March 24. So let's just start with 354 00:20:10.700 --> 00:20:15.380 some basic stuff. What is this event? Because it's not Broker 355 00:20:15.380 --> 00:20:19.280 Fair, we want to make that, like very well known. What is 356 00:20:19.280 --> 00:20:19.910 connect? 357 00:20:20.530 --> 00:20:24.670 Sean Murray: So deBanked Connect is a networking focused event 358 00:20:24.820 --> 00:20:27.640 it's not called Broker Fair for a reason. Because it is not 359 00:20:27.640 --> 00:20:31.150 Broker Fair, it's deBanked Connect, it's focused on 360 00:20:31.150 --> 00:20:33.820 networking, one of the key differences you will find by 361 00:20:33.820 --> 00:20:38.050 attending this event is that it is a half day, it's not a full 362 00:20:38.050 --> 00:20:42.400 day. So this is not a full day of sessions and panels. Yeah, 363 00:20:43.030 --> 00:20:46.330 there will be some of that there. Yeah. But that is not the 364 00:20:46.330 --> 00:20:50.170 main focus, it is literally about connecting. That is why 365 00:20:50.170 --> 00:20:53.770 Connect is in the name. Yeah. It's also why we've done other 366 00:20:53.770 --> 00:20:56.980 events in other cities like San Diego and Toronto, and those are 367 00:20:56.980 --> 00:21:01.270 also deBanked Connect, similar style half day, focused on the 368 00:21:01.270 --> 00:21:04.630 networking and connecting with other people in the industry, we 369 00:21:04.630 --> 00:21:08.380 have seen tremendous value, and being able to bring people 370 00:21:08.380 --> 00:21:13.240 together in person, in an industry where so much trust can 371 00:21:13.240 --> 00:21:16.660 be gained by forming that in person personal relationship, 372 00:21:16.660 --> 00:21:20.770 it's hard to get that online. It's like, okay, you've met on 373 00:21:20.770 --> 00:21:25.030 say, Daily Funder or LinkedIn or someone cold called you, or 374 00:21:25.030 --> 00:21:28.870 whatever it is, whatever method that you've encountered each 375 00:21:28.870 --> 00:21:31.720 other online. Now, it's important that you connect in 376 00:21:31.720 --> 00:21:36.040 person I cannot. I cannot overstate Yeah, the value of 377 00:21:36.040 --> 00:21:38.980 connecting and networking with people in the industry and 378 00:21:38.980 --> 00:21:40.360 alternative finance in person. 379 00:21:40.410 --> 00:21:43.080 Johny Fernandez: So this is a premier networking event. Let's 380 00:21:43.080 --> 00:21:46.080 talk about the networking lounges that are going to be at 381 00:21:46.110 --> 00:21:47.700 the location at the event. 382 00:21:47.910 --> 00:21:50.820 Sean Murray: Yeah. So I mean, you know, anyone can look up 383 00:21:50.820 --> 00:21:51.840 the, the venue and 384 00:21:52.860 --> 00:21:54.750 Johny Fernandez: Sure, to see dorry. 385 00:21:55.830 --> 00:21:59.820 Sean Murray: Okay, I didn't know I didn't know. Okay. Silence. 386 00:22:02.580 --> 00:22:06.030 Johny Fernandez: Okay. So networking lounges. 387 00:22:06.900 --> 00:22:09.240 Sean Murray: So we'll have two networking lounges, there will 388 00:22:09.240 --> 00:22:12.600 be a space in the middle where the speaker where the speakers 389 00:22:12.600 --> 00:22:17.160 will be, it'll be very easy to navigate. Okay. And it won't be 390 00:22:17.160 --> 00:22:23.190 like a big, confusing layout. The the sponsors will have a 391 00:22:23.190 --> 00:22:24.960 table similar to the ones they had at Broker Fair 392 00:22:24.960 --> 00:22:26.850 Johny Fernandez: Yeah, so it's gonna they will have a table me 393 00:22:26.850 --> 00:22:30.360 a big sponsor showcase room also. Yeah, it's so it's not 394 00:22:30.360 --> 00:22:32.130 gonna be in the lounge it's gonna be separate. 395 00:22:32.970 --> 00:22:36.150 Sean Murray: So I mean, you can, you can visualize it online. So 396 00:22:36.150 --> 00:22:39.780 there's basically like you walk in, and in the middle is the 397 00:22:39.810 --> 00:22:42.990 speaker area with the seating. And on the sides is where you 398 00:22:42.990 --> 00:22:46.080 have the networking spaces, there's actually two of them, 399 00:22:46.320 --> 00:22:49.590 two separate ones each each with tables that are everyone will be 400 00:22:49.590 --> 00:22:52.350 able to figure it out. By the way we have we have an app to 401 00:22:52.350 --> 00:22:56.700 help everyone visualize and figure out exactly what it's 402 00:22:56.700 --> 00:22:57.630 going to look like. Yeah. 403 00:22:57.780 --> 00:23:00.990 Johny Fernandez: So this was a question that came to mind right 404 00:23:00.990 --> 00:23:04.740 now. So if someone that is new to the industry, someone that 405 00:23:04.770 --> 00:23:07.020 you know, lender, broker, whoever you are, what do you 406 00:23:07.020 --> 00:23:09.630 think they should have in this type of event? Like, should it 407 00:23:09.750 --> 00:23:12.120 should they carry business cards? Should they carry their 408 00:23:12.120 --> 00:23:15.090 resume? Should they have everything on like a LinkedIn 409 00:23:15.090 --> 00:23:20.130 profile? You know, on there, like, Well, how should they 410 00:23:20.130 --> 00:23:21.360 prepare for this type of event? 411 00:23:22.140 --> 00:23:23.970 Sean Murray: Alright, so there's a lot of different things that 412 00:23:23.970 --> 00:23:26.760 go into it. I myself have already done three deBanked 413 00:23:26.760 --> 00:23:29.550 Connect Miami's. Okay, so I'm pretty experienced. Yeah. 414 00:23:30.450 --> 00:23:32.730 Johny Fernandez: I'm thinking I should bring my my hardcopy 415 00:23:32.730 --> 00:23:33.930 resume to pass out. 416 00:23:34.470 --> 00:23:36.600 Sean Murray: Okay, if you need a job, and you're there to 417 00:23:36.600 --> 00:23:40.830 connect. Sure. Bring your resume. It's not it's not a job 418 00:23:40.830 --> 00:23:43.170 fair, though. But if you're someone who worked in the 419 00:23:43.170 --> 00:23:46.980 industry, and is looking to get back in it, this would certainly 420 00:23:46.980 --> 00:23:49.620 be the right place for you. Yeah. So if that is why you're 421 00:23:49.620 --> 00:23:55.140 coming. Definitely bring your resume. But let's just start 422 00:23:55.140 --> 00:23:57.660 with the dress code. Yeah, okay, cause we get that question a 423 00:23:57.660 --> 00:24:00.750 lot. Okay. But what should I wear? Yeah, I think it's like a 424 00:24:00.750 --> 00:24:02.040 bit business casual. 425 00:24:02.100 --> 00:24:05.040 Johny Fernandez: Okay. No sandals and shorts and tank 426 00:24:05.040 --> 00:24:05.580 tops. 427 00:24:06.530 --> 00:24:08.510 Sean Murray: Definitely, I definitely no tank tops. Right. 428 00:24:08.540 --> 00:24:13.400 So there's kind of like there's a style that you see at these 429 00:24:13.400 --> 00:24:17.270 events. Yeah. Even though it's Miami you will see a lot of 430 00:24:17.270 --> 00:24:19.760 people wear like a sports like the men the men will wear a 431 00:24:19.760 --> 00:24:24.440 sports jacket. Yeah. Usually with like, no tie. Not everyone 432 00:24:24.440 --> 00:24:27.620 wears a sports jacket you can wear you can wear like a palm 433 00:24:27.620 --> 00:24:31.250 tree button down. Okay, right. You could you could wear a polo 434 00:24:31.250 --> 00:24:34.850 too, I suppose. But I think Polo is a little too dressed down. My 435 00:24:34.850 --> 00:24:38.150 advice would be, you know, buttoned down. Okay. Even though 436 00:24:38.150 --> 00:24:41.330 it sounds old fashioned. Business cards are still 437 00:24:41.360 --> 00:24:46.460 typically the vehicle that are used. Obviously, you can bring, 438 00:24:46.460 --> 00:24:50.630 you know, show people QR codes and everyone's pretty capable of 439 00:24:50.660 --> 00:24:54.440 technology. Yeah. But business cards are an essential you have 440 00:24:54.440 --> 00:24:56.780 to come to the event with business cards. It's highly 441 00:24:56.780 --> 00:25:00.350 expected that there will be an exchange you don't want to be 442 00:25:00.350 --> 00:25:03.410 that person who comes all that way and says, oh, sorry, I don't 443 00:25:03.410 --> 00:25:07.640 have a card, because so many connections formed at the show 444 00:25:07.970 --> 00:25:12.830 will be rekindled after the show. Yeah. And we do get those 445 00:25:12.860 --> 00:25:16.190 emails from people saying, Hey, I met someone there, they looked 446 00:25:16.190 --> 00:25:19.880 like this. If you could just give me their contact info, I 447 00:25:19.880 --> 00:25:23.540 would love to continue the conversation. I'm like, man, you 448 00:25:23.540 --> 00:25:26.540 know, like, who are they talking about? And like, you have to 449 00:25:26.540 --> 00:25:29.060 start going through the pictures. Yeah, to find out who 450 00:25:29.060 --> 00:25:32.420 they are. So definitely bring business cards it's a huge part 451 00:25:32.420 --> 00:25:36.320 of connecting, and networking. If you are a broker, let's talk 452 00:25:36.320 --> 00:25:40.250 about like, if you're a broker, yeah. If you're a broker coming 453 00:25:40.250 --> 00:25:45.980 to this show, do not be shy. If there's a funder you worked with 454 00:25:45.980 --> 00:25:50.390 before, or work with now, feel free to bring actual deal files 455 00:25:50.390 --> 00:25:53.690 with you. I've seen this happen before. This is actually good. 456 00:25:53.690 --> 00:25:56.330 It's good for both sides. Okay, it's good for both sides. If 457 00:25:56.330 --> 00:26:00.860 you're a broker, bring your deal files with you. Talk to the 458 00:26:00.890 --> 00:26:04.760 company that maybe declined your deals, or give you offers that 459 00:26:04.760 --> 00:26:09.350 didn't make sense. You will learn so much from the in person 460 00:26:09.380 --> 00:26:14.900 conversation about why Yeah or how or this or that that's 461 00:26:14.930 --> 00:26:18.500 sometimes lost when you have that communication online. Also, 462 00:26:18.560 --> 00:26:20.870 if you're a broker, and you're meeting a funder for the first 463 00:26:20.870 --> 00:26:25.100 time, every funder's question is in the back of their mind is can 464 00:26:25.100 --> 00:26:28.280 this person really bring me business? Is this a valuable 465 00:26:28.280 --> 00:26:31.220 conversation I should be having? Or is this someone who just 466 00:26:31.220 --> 00:26:34.280 doesn't? who's new to the industry? And I should be 467 00:26:34.280 --> 00:26:36.650 talking to the person there. Yeah, because my time is 468 00:26:36.650 --> 00:26:39.890 limited. If you're someone who literally brings deal files, I 469 00:26:39.890 --> 00:26:43.040 instantly believe that this person has deal files. Yeah. So 470 00:26:43.040 --> 00:26:45.650 it might sound a little weird to show up with like a manila 471 00:26:45.650 --> 00:26:49.820 folder. But I've seen it done. And it helps both sides. 472 00:26:49.850 --> 00:26:50.420 Tremendous. 473 00:26:50.420 --> 00:26:52.670 Johny Fernandez: Yeah. Well, two things I'm gonna say about that. 474 00:26:52.700 --> 00:26:56.930 The first thing is in other deBanked events, I've seen deals 475 00:26:56.960 --> 00:27:01.910 start mid day of like, day one, the next day, they're like, 476 00:27:01.910 --> 00:27:05.270 Yeah, deals done. Like we just, you know, these got like, people 477 00:27:05.270 --> 00:27:05.810 hustle 478 00:27:05.930 --> 00:27:08.990 Sean Murray: People yeah this does happen at Miami too where 479 00:27:08.990 --> 00:27:11.690 you see people kind of leave and go off to the side. Yeah. And 480 00:27:11.690 --> 00:27:13.250 you're like, oh, what's happening there? Some type of 481 00:27:13.250 --> 00:27:16.340 private conversation. Deals are actually getting funded at the 482 00:27:16.340 --> 00:27:19.910 show. Yeah, literally at the show. It's great. If you live in 483 00:27:19.910 --> 00:27:23.360 Miami, and you want to meet the funders in person. Or if you 484 00:27:23.360 --> 00:27:26.450 want to, you want to, you know, take your relationship to the 485 00:27:26.450 --> 00:27:28.640 next level or question things that they've done, and you want 486 00:27:28.640 --> 00:27:31.460 to understand a little more, or even get deals funded. You have 487 00:27:31.460 --> 00:27:33.950 to be at the show. Yeah. And if you come with if you come with 488 00:27:33.950 --> 00:27:35.960 stuff, yeah, it's gonna be to your own benefit. 489 00:27:35.960 --> 00:27:39.260 Johny Fernandez: It is. The other thing is, let's just say 490 00:27:39.260 --> 00:27:44.540 like relationships build. Or if you've had an experience with 491 00:27:44.540 --> 00:27:48.440 someone and it didn't go well, to kind of piggy bounce off of 492 00:27:48.440 --> 00:27:51.350 what you said, I think it's really important to reconnect 493 00:27:51.350 --> 00:27:55.160 with those guys and ask them in person, you know, why did this 494 00:27:55.160 --> 00:27:57.740 not happen? You know, whatever the case is, because I find it 495 00:27:57.740 --> 00:28:00.560 really interesting. I've done deals as a real estate agent 496 00:28:00.560 --> 00:28:04.820 with certain companies. And the experience was not pleasant. It 497 00:28:04.820 --> 00:28:07.760 was a little bit difficult. But then I meet them in person, and 498 00:28:07.760 --> 00:28:11.750 they're great people. And there's just either a loss of 499 00:28:12.470 --> 00:28:14.750 loss and translate, there's certain things that just went 500 00:28:14.780 --> 00:28:18.560 went down that. And it wasn't no, it was no one's fault. But 501 00:28:18.560 --> 00:28:22.790 it was just the situation we were in. Yeah. And in my mind, 502 00:28:22.790 --> 00:28:26.600 I'm like, I did not like that company, or I didn't like the 503 00:28:26.690 --> 00:28:29.540 the experience with this agent. But then you meet them in real 504 00:28:29.540 --> 00:28:33.410 life. And they're not bad people. It's just the situation 505 00:28:33.410 --> 00:28:37.640 was a little bit difficult to maneuver. Yeah. But I think 506 00:28:37.670 --> 00:28:41.540 it's, it's great to kind of get to meet people not only build a 507 00:28:41.540 --> 00:28:44.540 connection, but also expand your business, and maybe do business 508 00:28:44.540 --> 00:28:46.970 with them again, and now understand how they do business. 509 00:28:46.970 --> 00:28:49.220 Because I think that's something really interesting is, when you 510 00:28:49.220 --> 00:28:52.520 understand how people do business, not everyone does it 511 00:28:52.520 --> 00:28:55.790 the same. So you may think everyone does it the way you do 512 00:28:55.790 --> 00:28:58.220 it, or the way you were trained to but in reality, people do 513 00:28:58.220 --> 00:29:01.370 things differently, especially if you're in different states. 514 00:29:01.670 --> 00:29:04.610 So you know, or in the same city, but I don't know, there's 515 00:29:04.610 --> 00:29:06.830 just a number of things that can happen. But I think it's really 516 00:29:06.830 --> 00:29:10.670 interesting, because a lot of people need to learn how other 517 00:29:10.670 --> 00:29:13.070 people do business. So things go smoothly. 518 00:29:13.540 --> 00:29:18.550 Sean Murray: Yeah, these events are not built as just a good 519 00:29:18.550 --> 00:29:21.730 time. Yeah. When we think although you do have a good 520 00:29:21.730 --> 00:29:24.490 time, you do have a good time, but they're not built just for 521 00:29:24.580 --> 00:29:27.370 pleasure and leisure. And relaxation, we're not when we 522 00:29:27.370 --> 00:29:30.970 say you know deBanked Connect Miami. It's not supposed to be 523 00:29:30.970 --> 00:29:34.720 about like, oh, man, we're gonna go out and party. Yeah, we take 524 00:29:34.930 --> 00:29:38.530 this business, this industry very seriously. And it's about 525 00:29:38.530 --> 00:29:41.710 connecting you with the right people in the industry, not just 526 00:29:41.710 --> 00:29:44.920 funders and brokers, right other people within the ecosystem, 527 00:29:45.190 --> 00:29:49.450 lawyers, regenerators software companies, right, all types of 528 00:29:49.450 --> 00:29:53.200 vendors. This is your chance to connect with them and grow your 529 00:29:53.200 --> 00:29:56.470 business my hope for everyone who attends that they will walk 530 00:29:56.470 --> 00:30:00.820 away with something actionable, right? And then and actually 531 00:30:00.850 --> 00:30:05.410 grow afterwards. Yeah, I it's not intended to just be, you 532 00:30:05.410 --> 00:30:08.620 know, a leisure activity, you know, we obviously make it fun. 533 00:30:09.040 --> 00:30:12.790 But we always think about the value that companies and 534 00:30:12.790 --> 00:30:16.150 attendees are going to get by going to the event. That's how 535 00:30:16.150 --> 00:30:19.690 we that's how we build up each individual shelf, what's going 536 00:30:19.690 --> 00:30:22.540 to produce the most value for those that come? 537 00:30:22.690 --> 00:30:26.230 Johny Fernandez: Yeah. The other thing is something that we're 538 00:30:26.230 --> 00:30:28.960 going to put on our, on our social media platforms and 539 00:30:28.960 --> 00:30:32.230 whatnot, is grab list of different things about what 540 00:30:32.230 --> 00:30:35.860 Connect is. The other thing is actual insights, learning. You 541 00:30:35.860 --> 00:30:38.890 know, this is also an experience for you to learn, whether it's 542 00:30:38.890 --> 00:30:41.110 from just connecting with other people seeing how they're 543 00:30:41.350 --> 00:30:44.140 especially new guys, I've met a lot of new people at these 544 00:30:44.140 --> 00:30:46.660 events. They're literally starting from the ground up, 545 00:30:46.750 --> 00:30:50.920 they funded one deal in the last year. And they're like, Hey, how 546 00:30:50.920 --> 00:30:55.090 does this work? What do I do? So learning is a key thing in this 547 00:30:55.090 --> 00:30:58.450 type of environment. But not only from your peers to peers, 548 00:30:58.450 --> 00:31:01.480 but also from, you know, other brokers, other lenders, other 549 00:31:01.480 --> 00:31:05.620 veterans in the industry, that actually bring knowledge to the 550 00:31:05.620 --> 00:31:08.890 table. And it can be very intimidating, because I've been 551 00:31:08.890 --> 00:31:11.350 in this scenario where, you know, you're the new guy, or 552 00:31:11.350 --> 00:31:14.950 that you're the younger guy. And a lot of people are veterans, 553 00:31:15.130 --> 00:31:18.310 and you going up asking questions, or approaching and 554 00:31:18.310 --> 00:31:21.040 being proactive, but something I've learned is that when you 555 00:31:21.040 --> 00:31:24.940 take that approach, and you are proactive, and you talk to these 556 00:31:24.940 --> 00:31:28.720 guys, that you see you network with them, and and not ask a 557 00:31:28.720 --> 00:31:34.300 silly question that's like, hey, how do you how do you make $500 558 00:31:34.300 --> 00:31:37.990 million a year, like, really get to know them? Really ask them 559 00:31:38.290 --> 00:31:42.520 specific, poignant questions. That is, that's how you learn. 560 00:31:42.520 --> 00:31:46.180 That's how you grow. And I think in these scenarios, in these 561 00:31:46.870 --> 00:31:50.320 situations that we're in, for the events, it's a great 562 00:31:50.320 --> 00:31:53.290 opportunity for you to really learn and capture all the 563 00:31:53.290 --> 00:31:55.900 knowledge you can get and learn as much as you can, Sure, go 564 00:31:55.900 --> 00:31:58.750 home, connect with them. And then after that, you know, you 565 00:31:58.750 --> 00:32:02.650 can eventually grow your business and have a mentor, you 566 00:32:02.650 --> 00:32:06.220 know, obviously, it can go a number of different ways. So I 567 00:32:06.220 --> 00:32:09.880 think learning is the key thing. When you go to these events 568 00:32:09.880 --> 00:32:10.840 besides networking. 569 00:32:10.900 --> 00:32:13.690 Sean Murray: Yeah, well, a lot of that obviously comes from the 570 00:32:13.690 --> 00:32:17.560 panel's of the speakers that we have there. Now, I can't reveal 571 00:32:17.590 --> 00:32:21.520 who the panelists are just yet. Yeah, everyone should know that 572 00:32:21.550 --> 00:32:25.300 our approach to the panels, is on the same is, you know, comes 573 00:32:25.300 --> 00:32:28.690 from the same place as the value we want to bring to the event. I 574 00:32:28.690 --> 00:32:34.990 think what can happen with some other conferences, is that the 575 00:32:35.050 --> 00:32:39.850 the speaking portion is almost like a like a sales pitch. Yeah, 576 00:32:39.970 --> 00:32:44.230 like you go into what is it looks like a panel or a speaking 577 00:32:44.230 --> 00:32:47.170 session, but it's kind of like an ad from a company that's like 578 00:32:47.170 --> 00:32:50.890 a sponsor or something. Yeah. And we're, we designed the 579 00:32:50.890 --> 00:32:55.030 panels to, to create the most value for those in attendance, 580 00:32:55.030 --> 00:32:58.060 we always think about what are the current events that are 581 00:32:58.060 --> 00:33:01.120 relevant? Right. So like, know, what's gonna what's going to be 582 00:33:01.120 --> 00:33:03.640 spoken about an event from nine months from now? Yeah, I can't 583 00:33:03.640 --> 00:33:08.620 say, because we really tried to target target the content around 584 00:33:08.620 --> 00:33:12.820 what's happening. Now, what's relevant now? How can we answer 585 00:33:12.820 --> 00:33:16.540 the questions that people have, so that they leave with certain 586 00:33:16.570 --> 00:33:21.130 facts and actionables to go and actually grow their business? So 587 00:33:21.130 --> 00:33:23.530 again, I can't mention who exactly the panelists are going 588 00:33:23.530 --> 00:33:27.220 to be. Now we do have everything set up. But a lot of the 589 00:33:27.220 --> 00:33:29.920 learning of course, it comes from the interaction. Yeah, and 590 00:33:29.920 --> 00:33:33.610 stuff there. But just know that also, in the in the limited 591 00:33:33.610 --> 00:33:37.240 amount of speaking sessions we have at deBanked Connect Miami 592 00:33:37.240 --> 00:33:42.400 or any event, we think very much about what is going to help 593 00:33:42.430 --> 00:33:43.990 those in attendance the most. 594 00:33:44.130 --> 00:33:47.850 Johny Fernandez: Yeah. So to recap, deBanked Connect Miami is 595 00:33:47.850 --> 00:33:52.170 on the 24th. But on the 23rd we have another event going on. So 596 00:33:52.170 --> 00:33:53.190 let's talk about that. 597 00:33:53.380 --> 00:33:56.140 Sean Murray: Yeah, so I'm glad you brought that up, Johnny. 598 00:33:56.140 --> 00:34:00.160 Johny Fernandez: No problem. It's, it's, I don't want to go 599 00:34:00.160 --> 00:34:00.340 ahead. 600 00:34:00.370 --> 00:34:03.760 Sean Murray: Alright. You don't want it you don't. It's not a 601 00:34:03.760 --> 00:34:06.610 surprise. It's not a surprise. So we did put out there on 602 00:34:06.610 --> 00:34:09.880 social media that we will be doing a golf outing the day 603 00:34:09.880 --> 00:34:13.960 before. We will be doing a golf outing at Miami Shores Country 604 00:34:13.960 --> 00:34:16.360 Club, okay, so it's in the neighborhood, it's not too far 605 00:34:16.360 --> 00:34:20.290 away. It's about 20, 20 minutes from the venue. I must stress 606 00:34:20.590 --> 00:34:24.490 that it's not part of the event. So much as if you buy a ticket 607 00:34:24.490 --> 00:34:27.520 to deBanked Connect Miami, you're automatically enrolled in 608 00:34:27.520 --> 00:34:29.110 golf, it is separate. 609 00:34:29.170 --> 00:34:33.310 Johny Fernandez: Okay, separate event, separate price. And it's 610 00:34:33.310 --> 00:34:34.540 not included in your ticket 611 00:34:34.600 --> 00:34:37.420 Sean Murray: It's not included in your ticket. It is separate, 612 00:34:37.450 --> 00:34:41.980 okay. You do have to register through the country club itself. 613 00:34:42.130 --> 00:34:45.640 So if you want to golf on that day, you must call Miami Shores 614 00:34:45.640 --> 00:34:50.080 Country Club and register that way. We do have a group code on 615 00:34:50.080 --> 00:34:54.520 our website at deBankedMiami.com that will help you do that so 616 00:34:54.520 --> 00:34:57.250 that you get registered at the right time and they know exactly 617 00:34:57.250 --> 00:35:00.940 what event that you're there for. It's going to be be a 618 00:35:00.940 --> 00:35:04.570 morning event. It's approximately 10am ish start 619 00:35:04.570 --> 00:35:07.720 time. We will have several foursomes throughout the day. 620 00:35:08.050 --> 00:35:10.780 There's not going to be like a separate cocktail party or 621 00:35:10.780 --> 00:35:14.830 something there. It's purely about the golf. Because so many 622 00:35:14.830 --> 00:35:18.550 people like golf, which I know, because we did a golf outing in 623 00:35:18.550 --> 00:35:21.610 2017. And nobody has stopped talking about it ever since. 624 00:35:21.690 --> 00:35:24.600 Johny Fernandez: Okay, that's exciting. I'm excited for it. So 625 00:35:26.040 --> 00:35:26.970 are you excited for it? 626 00:35:27.120 --> 00:35:30.990 Sean Murray: I am excited. I am excited for it. But you know, my 627 00:35:30.990 --> 00:35:35.880 record as a golfer is kind of tarnished in this with this 628 00:35:35.880 --> 00:35:40.080 particular audience, because of what happened five years ago. 629 00:35:40.410 --> 00:35:41.970 Johny Fernandez: So I don't want to bring it up. But do you want 630 00:35:41.970 --> 00:35:44.010 to share really quick in a quick two sentences? 631 00:35:44.400 --> 00:35:47.160 Sean Murray: Yeah, so if anyone remembers, so we did a golf 632 00:35:47.160 --> 00:35:51.240 outing in 2017. It was in Marine Park, Brooklyn, okay. It was 633 00:35:51.240 --> 00:35:53.430 actually the first event that we'd ever done. We had never 634 00:35:53.430 --> 00:35:56.520 done an event before. 2017. We did a golf outing, Marine Park, 635 00:35:56.520 --> 00:36:00.030 Brooklyn. I don't even golf. So we hosted a golf outing, I don't 636 00:36:00.030 --> 00:36:05.790 even golf. And I was determined to be a part of the event that 637 00:36:05.790 --> 00:36:08.250 we were putting on. So I went to all the trainings I had somebody 638 00:36:08.250 --> 00:36:10.740 helped me I did. I did the simulator. I went to the golf 639 00:36:10.740 --> 00:36:13.260 course, etc. And the week before the event, what happened? I 640 00:36:13.260 --> 00:36:16.170 broke a bone in my foot. And I was on crutches and I had a 641 00:36:16.170 --> 00:36:16.950 gigantic boot. 642 00:36:17.010 --> 00:36:17.940 Johny Fernandez: What a coincidence. 643 00:36:17.970 --> 00:36:22.770 Sean Murray: I had nobody nobody believed nobody believed me. I 644 00:36:23.430 --> 00:36:26.400 especially since when you have like a boot, you can still kind 645 00:36:26.400 --> 00:36:27.000 of walk. 646 00:36:27.030 --> 00:36:29.040 Johny Fernandez: Yeah, right. And when you're like, yeah, 647 00:36:29.040 --> 00:36:29.250 like, 648 00:36:29.460 --> 00:36:31.050 Sean Murray: People will see that like, oh, that's totally 649 00:36:31.050 --> 00:36:33.510 fake. It's definitely just like they'll go have you sprained 650 00:36:33.510 --> 00:36:36.360 your ankle, right? Like, like, you know, get out there and 651 00:36:36.360 --> 00:36:39.780 play. But it was legitimately broken in half, I think is like 652 00:36:39.780 --> 00:36:41.790 my fifth metatarsal or something. So it's pretty 653 00:36:41.790 --> 00:36:44.400 brutal. I was in a lot of pain. But it happened a week before. 654 00:36:44.700 --> 00:36:46.620 And I just rode around on the rode around with the 655 00:36:46.620 --> 00:36:50.340 photographer on the golf cart. That's what I did. That's what I 656 00:36:50.340 --> 00:36:51.060 did for the whole day. 657 00:36:51.090 --> 00:36:53.010 Johny Fernandez: So you, you have to show up at this event 658 00:36:53.010 --> 00:36:55.530 and really bring it you've had five years to recover. 659 00:36:55.600 --> 00:36:58.360 Sean Murray: I've had five years to recover. But I just want to 660 00:36:58.360 --> 00:37:00.670 put out there it's not impossible that I break a bone 661 00:37:00.730 --> 00:37:04.690 right before a few days before. So I will be there. I will be 662 00:37:04.690 --> 00:37:07.390 there. But we'll see how my how my bones are doing. 663 00:37:07.450 --> 00:37:09.100 Johny Fernandez: Alright, I'll play for you. How about that? 664 00:37:09.190 --> 00:37:11.500 Sean Murray: Oh, actually, you're going to be there? Right? 665 00:37:11.500 --> 00:37:12.160 Johny Fernandez: Yeah, I'm going to be there. 666 00:37:12.160 --> 00:37:14.670 Sean Murray: Okay, so it sounds like and from what we've heard, 667 00:37:14.670 --> 00:37:19.140 we will have some people from deBanked. There too. And the way 668 00:37:19.140 --> 00:37:22.260 that the the the event is set up, is that you will have to 669 00:37:22.260 --> 00:37:25.350 build your own foursome, okay, you will have to build your own 670 00:37:25.350 --> 00:37:28.470 foursome. And that's intentional, because there are 671 00:37:28.470 --> 00:37:30.780 good golfers and there are not so good golfers. Yeah, and I 672 00:37:30.780 --> 00:37:33.840 don't want to pair people up with the wrong group. There are 673 00:37:33.840 --> 00:37:38.010 also people who hope to network with someone specific. And it 674 00:37:38.010 --> 00:37:41.460 would be a bummer if you had to spend the whole outing with 675 00:37:41.460 --> 00:37:45.180 someone who didn't add any value either to your day or to your 676 00:37:45.180 --> 00:37:47.460 business, right. Because at the end, at the end of all this, 677 00:37:47.460 --> 00:37:51.060 it's about building value for your company, and network and so 678 00:37:51.060 --> 00:37:55.560 forth. So we will let you create your own team for so that when 679 00:37:55.560 --> 00:37:59.760 you golf, you definitely received the maximum impact and 680 00:37:59.760 --> 00:38:02.520 that we don't, you know, thrust you into something that that 681 00:38:02.520 --> 00:38:06.900 doesn't create what you want out of it. So, March 23, you can 682 00:38:06.900 --> 00:38:10.740 golf at Miami, Miami Shores Country Club, you can go to 683 00:38:10.740 --> 00:38:15.540 deBankedmiami.com. We have a golf tab. You can't buy a ticket 684 00:38:15.540 --> 00:38:18.780 for it on the website, you have to contact the country club 685 00:38:18.780 --> 00:38:22.560 itself, and use the deBanked group code that will allow you 686 00:38:22.560 --> 00:38:26.610 to sign up for the foursomes on the morning of March 23. 687 00:38:27.990 --> 00:38:30.030 Johny Fernandez: All right, I'm excited. This is gonna be a 688 00:38:30.030 --> 00:38:35.820 great couple. I'm super pumped. 23rd 24th. Let's do this. Miami 689 00:38:35.820 --> 00:38:36.540 here we come. 690 00:38:36.570 --> 00:38:40.170 Sean Murray: When we did that virtual event in 2020, we did a 691 00:38:40.170 --> 00:38:43.830 virtual event. And there was a it was so funny. We had a chat 692 00:38:43.830 --> 00:38:46.290 room you could go into like the sessions and watch the videos. 693 00:38:46.320 --> 00:38:49.230 Everyone was remote. And but there was also like a general 694 00:38:49.230 --> 00:38:51.630 chat room was kind of it reminded me like I like an AOL 695 00:38:51.630 --> 00:38:54.150 chat room from back in the day. Because it was just everyone in 696 00:38:54.150 --> 00:38:57.330 there. There was like spamming going on but it was it was it 697 00:38:57.330 --> 00:38:59.400 was everyone from the industry just like in this chat room. 698 00:38:59.400 --> 00:39:02.820 Yeah, we're all working from home. We're all stuck. And you 699 00:39:02.820 --> 00:39:05.010 know, want to know what everyone was talking about. Everyone was 700 00:39:05.010 --> 00:39:07.260 just talking about golfing, really everyone was talking 701 00:39:07.260 --> 00:39:10.530 about golfing, and telling us that we had to do golf again. So 702 00:39:10.530 --> 00:39:13.590 okay, we are we are bringing golf back into the mix. We 703 00:39:13.590 --> 00:39:15.450 understand that so many people out there like golf. 704 00:39:15.480 --> 00:39:17.250 Johny Fernandez: Yeah. And you know what, honestly, if you're 705 00:39:17.250 --> 00:39:20.430 in New York, by March, we're going to get sick of the cold. 706 00:39:20.550 --> 00:39:24.960 So it's a great excuse to just head to Miami. And just enjoy 707 00:39:24.960 --> 00:39:28.410 the nice weather, great activities, great people. These 708 00:39:28.410 --> 00:39:34.440 events Honestly, I never it's it's amazing to me because it's 709 00:39:34.440 --> 00:39:37.110 there was just such a good time. And I'm not just saying it 710 00:39:37.110 --> 00:39:41.310 because I work here but it really is. It's a good time you 711 00:39:41.310 --> 00:39:44.640 meet all these different types of people from different areas 712 00:39:44.640 --> 00:39:47.460 of the country. And everyone's always they always have an 713 00:39:47.460 --> 00:39:50.550 interesting story. It's great. I love it. So I'm excited. 714 00:39:50.570 --> 00:39:53.030 Sean Murray: The Miami events are absolutely great. Like I 715 00:39:53.030 --> 00:39:56.720 said, this is going to be our fourth one. I am a season pro of 716 00:39:56.720 --> 00:40:00.200 the deBanked Connect Miamis highly suggest all of you come 717 00:40:00.740 --> 00:40:03.500 You can do golf the day before too what could be better. 718 00:40:03.530 --> 00:40:05.690 Johny Fernandez: I know can you know what could be better? 719 00:40:08.390 --> 00:40:10.130 Sean Murray: I don't know what we're doing 720 00:40:10.460 --> 00:40:12.260 Johny Fernandez: Hanging out with us getting some pizza. 721 00:40:12.320 --> 00:40:13.670 That's not gonna happen this time around. 722 00:40:13.900 --> 00:40:17.320 Sean Murray: Okay, next year way to get everyone all excited now 723 00:40:17.350 --> 00:40:20.140 hey you know what would be better. Oh, sorry, we don't have 724 00:40:20.140 --> 00:40:20.260 that 725 00:40:21.010 --> 00:40:23.710 Johny Fernandez: No pizza in Miami. Maybe next Broker Fair. 726 00:40:23.710 --> 00:40:25.090 Sean Murray: Maybe we'll get like a Cuban coffee or 727 00:40:25.090 --> 00:40:29.020 something. Okay. Yeah. Cuban sandwhich a Cuban sandwich. 728 00:40:29.620 --> 00:40:31.630 Johny Fernandez: I'm excited. That got me even more excited 729 00:40:31.720 --> 00:40:34.030 Sean Murray: Cuban sandwiches with Johnny deBanked Miami 730 00:40:36.060 --> 00:40:38.916 Johny Fernandez: But, yeah, I think that's that pretty much 731 00:40:38.984 --> 00:40:43.065 does it for today. So again, please, you know, check out the 732 00:40:43.133 --> 00:40:47.351 website. And you know, pretty much hope to hopefully we'll see 733 00:40:47.419 --> 00:40:50.820 you there. So that's, that's it. That's all we got 734 00:40:50.880 --> 00:40:53.480 Sean Murray: deBankedmiami.com deBankedmiami.com 735 00:40:53.670 --> 00:41:00.380 Johny Fernandez: deBankedmiami.com. Alright, that's it. That's it. All right, you guys. Well, thank you guys for joining us today. Again. I'm Johnny Fernandez. 736 00:41:00.420 --> 00:41:01.050 Sean Murray: I'm Sean Murray. 737 00:41:01.050 --> 00:41:02.310 Johny Fernandez: And we'll see you guys next time.