FINTECHFANBOY

Introduction: The ChatGPT Moment (2022) Original ChatGPT Interface On November 30, 2022 , OpenAI quietly launched a new web tool called ChatGPT , based on its GPT-3.5 language model. Within five days, it reached a million users — faster than Instagram, faster than TikTok. Within three months , over 100 million people  were chatting with AI, making ChatGPT the fastest-growing product in history .  The appeal of ChatGPT was immediate. It was a Google-style search box that felt

My Love/Hate Relationship with Webchat I love webchat. It's so convenient. I don't have to wait on hold for someone to answer my call. I can multi-task while I'm engaged in the back and forth. It's familiar like text messaging or WhatsApp. And I don't actually have to talk to anyone (I sound like my teenage sons!). I hate webchat. It's very often staffed by people who can't actually help me. I have to put up with the endless barrage of messages asking me how my day is going,

I’ve been working on account opening and loan applications for around 20 years – from back when scanning paper forms was state-of-the-art to today’s mobile customer experiences. And at this year’s WWDC 2025 (Worldwide Developer Conference) Apple made an announcement that is one of the biggest changes to KYC, ever. Apple Verify with Wallet for Web. Background About 8 years ago, I was part of the leadership team at Avoka – a fintech focused on account opening and customer acqui

FDIC data and Survey data were provided to ChatGPT to determine the fate of banks < $100B in the US. The response was alarming, but not surprising. Is it correct?

Let's start with a stuffed giraffe. In 2012, the world was introduced to a stuffed toy giraffe called Joshie. Joshie became the...