Josh DeTar

speaker

2,317 appearances 6 recordings 1 series first heard May 2026 last heard 7 Aug

Josh DeTar’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 6 in all, peaking in Jul 2026 with 2.

Appearances

newest first · ▶ plays the moment

Digital Banking Podcast · From Ram 1500s to real-time payments with Tommy Cotter. · 7 Aug 2026 podcast

And so, you know, think about a lot of the challenge that we as community financial services providers have faced is we don't want to give people the personal financial management tools of their dreams.

The problem is, is going back to what we were talking about earlier, hyper personalization.

This is actually an area where it really matters to people.

Because if I tell Tommy that he's got to use the same budgeting structure as Josh does, dude, we live totally different lives.

We live in different parts of the country.

We have a lot of variables that come into account and fitting us into the exact same box is very difficult.

Now it doesn't matter.

Tommy can just go tell Claude, like, I want to visualize these things about my finances and I want to see it in this way.

And Josh can do it totally differently.

And we can both do it on the fly and we get that personalization.

But, you know, going back in time, that was bad news bears.

Like, we do not want people in an unprotected way pulling all their transactions and putting it into open LLMs.

These guys have clearly articulated how much they care about your data protection.

Hint, hint, it's not much.

That's the problem.

But now Plaid has exposed this.

That's pretty cool if you're a consumer.

I'm going to be honest, if you're a community financial institution, that should scare you.

right?

Because think about how much that disintermediates us as the place where people go to have their relationship with their finances, right?

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