FinTech Friday | ChatGPT Generated Our Podcast Outline | Innovative Ways Businesses Can Use AI | B2B Vault: The Payment Technology Podcast | Episode 137

What's up everybody, it's Justin live from B2B Vault, the payment technology podcast sponsored by Nationwide Payment Systems, hosted by the Steve Jobs of merchant services himself, Allen Kopelman. And today is FinTech Friday. Yay! We'll be providing you guys with some educational information about fintech, business, payment processing, and the technology businesses are using in the world today. Yes, sir. So, uh, FinTech Friday is always a cool thing. We try to come up with new ideas and, you know, stuff that's going on in industry. And lately, of course, I'm sure everyone has heard, unless you're hiding underneath a rock or trapped in some sort of cellar, prison closet, I don't know, uh, artificial intelligence Specifically the, uh, website ChatGPT. GPT, that's a bit of a tongue twister.

Yeah, it is.

Um, I say ChatGBT all the time. GBT, I don't know why, but it's ChatGPT. ChatGPT. ChatGPT for the final and last time. Um, it can be used for so many different things, uh, and one thing that, you know, Samantha and I, uh, the graphic designer Samantha, shout out to her, for Nationwide Payment Systems. We were sitting down and we were brainstorming about, you know, just ideas and stuff like that. And she, she came up— well, we both came up with— it would be cool to use ChatGPT to, uh, you know, come create an outline for the actual podcast, right? So in the prompt, we asked ChatGPT to create a podcast outline covering how artificial intelligence can be used in small businesses. And I'm, you know, I've used it before. So, you know, but still, it's like mind-blowing, right?

Yeah, you ask a question, it takes a couple of minutes, and then it starts spitting out the answer.

Exactly.

And, you know, you have to give it a few prompts.

The prompt is the most important thing. You know, you can't just— if you put in Lazy Boy, you know, obviously, it's not going to know really what to write about, or probably write about a chair. But if you say, tell me a story about a Lazy Boy in 1990, during the crack epidemic, whatever, it'll come up with a story. So yes, the whole problem with it though, is like, you can't just use it word for word, right? And you gotta revise it.

Yeah, you gotta revise it, you gotta put your own words to it. But it can help you like if you're looking for ideas for your website, for your content creation, for a blog article.

Absolutely.

Could give you, you know, you could say, oh, what are the most, you you know, oh, what's the top 10 things I should know about opening a business?

Yeah, it'll give you some generic stuff.

Yeah, it'll give you some generic information. It doesn't search Google looking for information.

I don't know what it does.

No, no, but I'm just saying it doesn't really—

it has its own database, right? So it has its own database up till 2021. Anything after that, it does not, you know, it can't confirm nor deny whether it's true or not or have knowledge of it. So you, I don't know, you wouldn't want to, you know, use Wakanda Forever, for instance, it wouldn't know what you're talking about. But if you want to talk about the Great Depression, or whatever it is that you're looking for, it will have that type of information in the database.

Yeah, the interesting thing is, is they spent like a few years building this thing out.

It's been in, yeah, for over, I think they said 5 years they've been working on it, right?

So that, that they were building it out, building it out, and then there was like a beta that came out. And then they kind of just slowly released it to the world. Not sure.

Yeah, well, not, not a historian of ChatGPT or the OpenAI company. I will say that, you know, it did create us a very decent outline. We're going to continue to use it moving forward, just to give us like a, you know, like a skeleton for podcast, pre-production podcast purposes, right. So it gave us an introduction, told us to cover about understanding AI, told us to list out ways to implement AI in their business. AI best practices, and a conclusion. I mean, as for a small business, I know you can't really see it, but, you know, for a small business and you're trying to figure out how you can use artificial intelligence, this is just one really simple way, right? So instead of for the podcast, like Allen said earlier, you could say create an outline for a blog article, right? Um, and then you put in a blog article about payment processing, right? And it will create you an article. And you can go— you want to go further in the prompt. I'm not going to sit here and give you a, uh, what is it, a lesson, a tutorial. A tutorial.

There's tons of tutorials on YouTube.

Yes, follow them. But like, for, for articles, create an article about payment processing that's 500 words. There you go.

Even a meeting, like let's say you're gonna have a meeting with your employees. Yes, you could just say, oh, we're going to cover the following topics.

And they could just create a bullet list and create a bullet point. And then out of all of that information, you say you— I don't even want to give all that. But look, like, so if you want to search for painters in Chicago, say, give me a list of painter, you know, indoor painters in the, in Chicago, it'll give you a whole list. You know, you provide name, email, phone number, it'll bring— you can copy that, highlight it. Yeah, we try the next prompt, say put this information into a spreadsheet, and it'll automatically do that for you. And then boom, you got that list, and now it's in spreadsheet for you to add to your other spreadsheets.

So yeah, you could copy and paste it out. We asked it, you probably have to ask for a little bit more, like how many you want, maybe zip codes.

Yes. I mean, otherwise it's endless. You have no idea.

Yeah, it's crazy because it does limit you, like how much it'll output.

Yeah. The next section, I asked it to create like an intro, I guess you would say, for the podcast. To explain, you know, like the introduction for the, you know, the topic of the show. And this is what it shot out. You want to read it?

Sure. Welcome to the AI in Business podcast, where we explore exciting world of artificial intelligence and its impact on the business world. In this first episode, we'll be introducing the topic of AI and providing an overview of the goals and objectives. Of the podcast.

That's— I mean, I mean, it keeps going and going. It gave you about what, 1, 2, 3, 4, 5, 6 paragraphs?

Yeah.

I mean, it's pretty good. The beginning, I mean, it's very vague.

Like, I, I think that it doesn't get very specific. And it also is very mechanical.

Yes, wording, wording.

So it doesn't give you like you'd have to give it like a prompt, like, oh, give it a more funny feel, or give it a— and it might do it and it might not.

Yeah, I'm not sure how. Yeah, but I highly suggest, you know, I mean, these are, again, these are just like a shortcut, right?

Yeah.

Like, so that you get this, and then you read it, and then you make the edits to it as you go. But this is a good starting point. I mean, talk about saving time, you know, I mean, And then the other one we asked it, what do we ask them on the next page? Of how to streamline, you know, other things, 5 ways, how businesses can use AI to streamline their process. And you know, it spit up pretty good answers, I would say.

Yeah, gave, gave good answers. I think, you know, to use it, you definitely to use it beyond its like basic use. Yeah, you know, you got that, definitely have some programming skills, because it's called OpenAI. It's open source software. So anybody can get the code.

I mean, you don't have to be— you didn't— you don't have to be some programmer to use it, right? But what he meant to say was, if you want to take the code and turn it into something else, you're gonna have to have some programming skills, right?

So we saw like a website, it was called Futurepedia. And there's new tools that are— all the tools on that website were made from the ChatGPT. And then so there was, I don't know, hundreds of them on there. And there was like new ones because you could click added date, you know, what was added recently.

Yeah.

And it would show you. And we saw— so we just scrolled through for a few minutes and we saw something that said like Oh, it'll rewrite your Twitter bio. So we copied and pasted. I know I tried it, you tried it, copied and pasted. Wasn't that totally—

not impressed.

And then I saw some other ones in there which had like Google Chrome extensions to do different things, like kind of like Grammarly, right? I wouldn't say it was as good as Grammarly.

I mean, there's a lot of stuff that I mean, this is all brand new for the most part, brand new, right?

Right. It's all brand new.

And then Samantha, I asked Samantha, right, what were her thoughts on artificial intelligence in relation to like graphic design, web design, blah, blah, blah? Do you think, you know, it's going to take our jobs? And she said no. She said that she thinks that, you know, the artificial intelligence is going to create a lot of similar content. You know, if everybody's using the same thing to create content, I would imagine that it's going to be very, very similar.

Yeah, like I saw one, somebody sent me an email a few minutes ago, and it said, oh, create 30 Instagram posts in 5 minutes. Of course, they want money, right, for you to access it. And, but, you know, Samantha looked at something similar to that. And she said, was very cookie cutter.

Exactly. I mean, it's, you know, you do it for, you know, even just for content. It's just one of those things where you're not going to rely on because it's not human. It's not, it's not something that you, that humans can relate to. It doesn't have a feeling, a sense of emotion, thought, whatever. Um, she said that she does think that AI will be used, uh, for, for inspiration. She uses it for inspiration now, as do I. Um, um, she also said, yeah, we talked about to look out for copyright issues, and I didn't really think about that. And then after, you know, just imagine all the artists out there, like visual artists, who are getting their art robbed from them because another— they're seeing their art, they're putting it in there, and then they're changing it just by using a prompt like, take this piece of art and turn it into Van Gogh, right? And now it's theirs, right? You know, and that's, that's messed up. I, I, I feel bad for artists, man. Yeah, they're in a weird place, dude. Yeah, definitely the right-click and save, like, you can't have a website and sell prints on. I mean, I I have a few ways for you to, you know, to stop that from happening. But technology is, is a beast, man.

So it's hard. You know, the other thing that we saw was is that Canva started adding AI tools to Canva, which is a design— yeah, graphic design platform. And they started adding like a content tool, some kind of art tool. Yeah, they're adding more tools. So, you know, I saw it because we have, you know, we have a whatever, an office copy of Canva. Business account. Yeah, business account. So we see in there what's going on, like, what are they doing? Maybe, you know, I wonder if Adobe is going to come out with any kind of AI tools in there.

Yeah, I mean, I was reading an article from Google and they've been working on their artificial intelligence they're just afraid to release it because in their words of how disrupting it's going to be. It's gonna— it's, it's from, from the article that I was reading is it basically will kill their Google Ads, like, whole platform.

Wow, that's crazy. Just because I showed you that one email and it had links to some stuff and you commented that, yeah, you had seen it before. And they were Google, like, made something. Sometimes they made something a few years ago. Yeah. And when you mentioned it, I looked at it and I was like, yeah, I do remember seeing that like quite a while ago.

Yeah.

But they never put it out because they didn't like it.

They're afraid. They don't know. They're— they don't know what it'll do. It's extremely disruptive. That's what they said. The, the head of their AI team or whatever— I'd have to get the article from him— but he said, yeah, It's very— it's going to be a game changer. You know, it's going to put a lot of people— it's going to change a lot of things, and businesses are going to go out of business.

And the other thing is that we saw is that there's a few tools that detect whether the copy was written by artificial intelligence.

Yeah, I mean, there's this one tool, uh, I mean, I use it a lot called CopyScraper. If you're not familiar, get familiar, um, especially if you're buying content from people. CopyScrape will let you— it'll tell you if it's artificial intelligence or if it was— well, not artificial intelligence. That's just if it's, you know, been, you know, forged. But the one— I can't remember the website for to detect if it's been— if it's written in AI or not.

But, you know, tells you if it was— what's the word for that now? I don't—

plagiarized.

Plagiarized. That's it. Yeah, so give it a plagiarism score. Even, even Grammarly does that too. Yeah, yeah, plagiarism. So where somebody says, oh, I want to send you an article to post on your blog, which we get a lot of people emailing us. Yeah. Oh, can we post it? Will you post this in your blog? Then you go look at it. And then we saw another one, which was interesting, called Instant— Instant—

InstaNovel.

InstaNovel.ai.

I like your domain, InstaNovel.

Yeah. And that was pretty interesting. And it said type in a description. And you typed in like one sentence.

Yeah, I'm terrible. I have a very sick sense of humor.

So I will not repeat what I told Justin, just said write a book about Justin running around Milwaukee.

Yes.

In the 1980s.

Something similar to that.

And then what did it say? How many?

Give me 15 hours. This is 4 to 5 chapters, right?

And it said it takes 14 hours.

14. Mine said it'll be ready in 15.

15 hours. I put a couple in there, so we'll see.

Yeah, I got 2. I got 2 too.

So we'll see what happens with that. It'd be pretty interesting. And it says it provides graphics, and you could pick what kind of graphics.

3 different styles.

Like, yeah, 3 different styles.

I think it was Van Gogh. That's probably— yeah, one of them.

And then one was like Traditional, and then one was like techno or some kind of modern art or something. It was children, or it said like children's or something like that, children's art. And then there was also a paid version of it. It was like, yeah, because they send you an email and you have to like okay the email, right? And then in there, when you clicked it, it said, oh, do you want to upgrade? You want to upgrade to get your content faster? But I mean, that's kind of crazy. Someone could actually copy and paste a book that, you know, like some kind of book. Yeah, we were saying that earlier, or PDF, and stick it in and then like ask the one of these writing things to rewrite it all, then slap it in there, right?

Put it in Grammarly and then now you edit it.

And then, and then you got it. You ripped off somebody's book. Yeah, that's kind of strange. Rewrote the book. I mean, that's kind of crazy. I mean, it's going to be interesting.

It's a very new technology. I think, you know, we have a long ways to go before we really understand the capabilities of what it can be used for.

Well, one thing I will say is that there are a lot of people building tools based on the OpenAI, because every day when I go to the Futurepedia website, yeah, there's new tools on there, right? 10, 12 tools a day. And that's just going to increase because computer programmers are going to figure out— one thing that I want to comment on is that we started to see these AI tools a few months ago, you know, and about a year ago, and they were charging a lot of money per month. And now I don't think those companies can, can justify that. No, because now every ton. There was, there was quite a few. I would say at least 50% or more of those tools on there were all free on that website.

Or it has a good mixture.

Free, free, yes, free version. A freemium. Free, that's the new thing, freemium. Oh, 3 days free, 1 week free, 1 month free.

Freemium platform is definitely growing.

Yeah, the freemium That's a big thing, you know. Oh, get— oh, you could sign up for free, but it's very limited because they want you to use it and then they want you to upgrade, you know. That's like the— that's like, that's like the whole future of it. But, you know, it's very interesting. I sat and watched like a couple of YouTube videos about how people were using it and putting in the prompts and doing—

I mean, I've seen it so many different ways, you know. I mean, You can use it for blog outlines. As you can see, it created a, you know, a topic outline for a podcast, blog articles. Yeah, we used it for titles— not used it, but I mean, I've tested it out to see how it would generate titles for blog articles. I set up— I had a found a prompt for creating content for a homepage of a website. I mean, there's just— it gives you social media plans. It gave— I did some keyword research with it. I've done— I mean, there's so many different ways.

It's interesting to play with. Let's just put it that way. Very interesting. One thing you have to learn is figure out how the prompts work. So that you can get what you want out of it.

I mean, yeah, like I said, like you said earlier, like, that is going to be the— like, that's the most important thing, like, what you tell it, right? You know, I mean, as long as it's descriptive, and it's, you know, exactly what you want, then you're gonna get a good, you know, like we got, we got good stuff. Like I said, 5 ways how businesses can use AI to streamline their process, and it gave me automated, automating repetitive tasks, predictive analytics, personalization, fraud detection, supply chain optimization. And those all 5 things are right and exact. It's very true. You know, those are ways that businesses—

yeah, the other thing I was reading about was in a— because I get a lot of like technology emails, you know, about technology. So one of them was talking about how you can take the ChatGPT and turn it into a chatbot on your website, right? Because you obviously wouldn't be that— you would have to, you know, get a programmer to program it and then use that.

I mean, those are already out there, but yeah, there's tons of chatbots.

But I'm saying like now someone can go make a free one if they want to. Listen, there's people spend a lot of time doing stuff that their program, and it's open like all over the world. So like the book one, that was somebody— the book one, that was somebody in Europe, because when I went to the paid version, it was in Europe, you know, the euro sign was in front of the money. So, you know, so you know that it's from different people from all over the world who are going in there, you know, building it.

Part of me wants to move to Europe so bad.

Why?

Why?

That's cool.

I just, I don't know, man. I'm just tired of the United States. I don't know, United States is— we just kill each other.

We— oh, come on, let's not get on to a whole subject.

Yeah, I love you guys. I love you guys. Before we get into— keep going, shout out to all the listeners. We love you, we appreciate you. Uh, we really hope that 2023 is starting off a good one. Um, Please continue to support the podcast. Like and subscribe to the video channel on YouTube, B2B Vault Podcast. Follow us on Instagram, Facebook, Twitter, LinkedIn, and TikTok, please. And if you're on Alignable, connect with this guy, please, so he can leave me alone about Alignable.

Whatever, there keeps whatever. So let me talk a little bit about how currently we have— we started— we are using some artificial intelligence with Nationwide Payment Systems. So how do we use artificial intelligence? So we're using artificial intelligence in, in two ways. When somebody goes to nationwidepaymentsystems.com and they go into the Solution Finder and they find what they want, then they start filling out the application. The artificial intelligence, once they submit it, is checking, you know, authenticity, right? So it's checking, oh, does the name match the phone number you put in? Is that phone number an actual cell phone?

Is the IP address in the United States?

How old is the email address? Was it just created 5 minutes ago? Does everything match up? And it develops a score. And then that application is either approved or declined based on that. So we've had people go in there, and they'll put in some kind of like Google number, phone number. So their application doesn't get approved.

We've been using AI on the website since we launched, right?

That's what I'm saying.

Not, not that way, though. No, no, but in a different way, right? Security reasons.

Yes, security stuff, but also we get leads in and then we also use some AI for those leads because we have a little program that somebody, somebody made and we put in the phone number and the email address and then it basically gives you and the website and then it basically tells you if that's authentic information or not. And then this way, because I can tell you like right now, One of the things going on that I don't like in the whole world is there is a— the level of identity theft right now.

Yeah.

And related to people signing up for merchant accounts, I would say, is that all-time high?

Because look how easy it is, right?

I'm just saying, people are— the thing that disturbs me about it though is Oh, some of these fraudsters are getting approved. Yeah. And then they're committing fraud. And like, we'll call people and we'll say, hey, we got this application in for your business. Is that really your business? Like, somebody sent me a text, right? That's a, a text the other day, and they said, oh, check this out. And I didn't even realize what it was. I was like reading it. So somebody sent a thing and it said 'Oh, your bank wants more information. Go to the Bank of America website,' right? And it had the look like Bank of America, right? And that it's spelled two different ways. And I'm not—

spelled two different ways. No, no, it's spelled right. The font is different, right?

So the font is different. And when you click the fake one, right, the fake one, it takes you to a site that looked like the Bank of America, but, but it was not the Bank of America. And that really freaked me out because, um, that could really confuse people. So, and how do you know what the real font is?

So let me tell you something.

I sent that to you. No, yeah, yeah, yeah, yeah.

And I agree. So this, that is an example of how the infrastructure of the United States of America is dated, okay? Yeah. So a lot of these websites that you're talking about, I don't know when Bank of America's website was built, right? Right. But I'm assuming it was built a long time.

Oh, definitely.

And do you think that they spent money to overhaul that website? No, probably not. Right, exactly. So the amount of— and also remember, security issues.

But just remember, you have that Wayback Machine thing for sure. So someone could go whack pages off of the website that was cataloged 10, 15 years ago.

Yeah, I mean, the, the— it's really important. Like, this is a— that's a great This is just a great segue into upgrading the infrastructure of like banks, the government. Well, one thing is organizations and businesses in general have got to upgrade their systems because stuff like AI, yeah, is gonna— there— if you don't think that there's some guy sitting in his basement using AI to capture your, your, your keystrokes on your laptop or phone or whatever it is, like, you're tripping, bro. Like, you really have to—

like, you got to be careful, like, going to a website, scanning a QR code, clicking on a link in your text. I mean, I can't tell how many fake texts I get every week, every day, you know. Every week there's a fake text, click on this, your bank account is not up to date, update this information. You know, I'm very careful, like, and I have tons of stuff in my spam folder, although I check it because occasionally a real email goes in there.

Yeah, so you don't want to miss a lead, or you gotta check your spam folder, man. I mean, because you can't control— I don't know, like, for instance, some, some of your emails go to my spam.

I know, it's crazy, it's weird.

So, you know, but you gotta check your spam.

But the thing is, is you would think that, like, these big companies like GoDaddy, Bluehost, 1&Host, whatever. There's like, I don't know, there's probably like the top companies that are hosting websites. I don't know where these websites are being hosted, the ones that are, you know, the fake ones, probably in another country.

Thousands and thousands of hosting companies. No, it doesn't cost— I mean, I could buy a server and host it myself, right?

That's what I'm saying. But there's no control over these fake websites.

And that's the same for all you technical people out there. Yeah, I wouldn't buy this, whatever, man. You know what I meant. Hopefully you don't just buy a server, you got to set up a server environment, blah, blah, blah. I've done it once or twice, not a fan.

Not—

way too much.

Like, where we have like a huge customer and then he says hosting. No, no. So they have— it's a big customer that has their own— they have a big— they have probably like 10 websites that they run e-commerce on, and they're host— they're— they have their own staff and they have their own hosting platform. Yeah, they built— that's what I'm saying. And it's over in a building not far from here, and they have another one in another building in Boca Raton that used to be part of the IBM, and it's got— it's surrounded by this special thing, a Faraday cage or something. Like, it's insane. Like, when you go to the facility, the IBM building, it's cool.

You've been out there?

Yeah, no, I've been to the facility. Like, we had to take the bank out there. They wanted to come see the— they wanted to go see the guys, their offices. Oh, and we went there and we walk in and there's like no phones, no electronics, no nothing, no keys, no wallet. You can't bring anything in the room because if you— I asked the guy, I go, why can't you go in that room with your wallet? He goes, well, all your credit cards will be not working when you leave. Yep. And then it's like, wow, because they've got whatever, uh, equipment in there causing mechanical interference.

Yeah, there's so much radiation and all kinds— I mean, yeah, there's just all kinds of radioactive— yeah, there's like—

yeah, whatever it is, a special cage thing. But yeah, there's people that'll watch out because fraud right now is at an all-time high. I'm in the process now putting an article together talking about, um, friendly fraud that's going on. And, and, and, you know, just the— I want to write another article about this identity theft because this identity theft is just completely out of control. I mean, every time I get an email from like Credit Karma, it says, oh, your information is on the dark web. Uh, Experian, your information is on the dark web. What am I going to do? It's on Google too. I mean, you go put in somebody's name, all of a sudden you see their address, maybe their cell phone number, if they've, you know, whatever, whatever.

There's a lot of— someone like myself, like my whole life is on the internet, right? Like I've been building websites for 10 years and doing SEO for 10 years. So yeah, you Google Justin Owings, there's— the funny thing is, shout out to this guy too, he's from Atlanta. I don't know where he's from, but he's got to be family because his name is exactly— oh yeah, Justin R. Owings. And my name is Justin R. Owings. I don't know his middle name. Mine is Robert. I don't know. But yeah, man, so you Google Justin R. Owings, you're gonna see me and this guy. But the funny thing is, that guy used to work for Google, so I know for a fact, yeah, like there's a little favoritism going on there. But I'm not gonna, you know, no hate, just saying. So it took me a long time to get my name ranked. That's all I'm saying.

So my brother— there's a guy lives in Atlanta. There's a guy in Atlanta with my brother, same last name, same first name, last name. And my brother's an accountant, this guy's an attorney.

Nice.

And quite a few times, my— one time somebody delivered something, you know, like a delivery company, not like Amazon, like a delivery— they delivered like a bunch of stuff to my brother's house for that guy. So my brother had to track them down and go, hey, you know, I got a bunch of stuff at my house. I don't— I didn't order it. Uh, is that yours? And the guy was like, yeah. And he came over and got it from my brother.

That's cool though.

What's weird is, is you would—

I would like to meet— I would like to meet the other Justin R. Owings from Atlanta. That'd be a cool little—

I met a guy with my—

because I mean, especially because we're like in the same thing, right? Right. We do the— he— I don't know exactly what he does, but you know, we We're in pretty much the same—

in the webbing. Yeah, yeah, yeah. Like, I met a guy on LinkedIn with my same last name, named Avi. It's my good friend. I call him my cousin, you know.

I know the pitcher for the Major League Baseball, Micah Owings, is related to us.

Oh, that's cool.

I've never met him, but I know he's related from my grandfather's side in Iowa or Ohio, something like that.

Yeah, it's always interesting, like, to do the to do the genealogy search and then see if anybody turns up in your, uh, in the data.

Yeah, yeah, yeah, yeah, yeah. My dad did that. He found out he was Jewish.

Oh, okay.

Ashkenazi Jews.

Okay. Yes, interesting. Hey, if he's Ashkenazi Jewish, you got a little Jewish in me.

My grandmother was— I always say that my grandmother lied to us her whole entire life to escape Nazi Germany, that she was actually a Jewish girl. That's another story.

You probably need to do a genealogy, one of those.

I will.

Things I'm doing when I ordered a kit, I'm gonna send it in, see what happens. But AI is amazing. So that's the—

what else can we say about— you had some other stuff. I mean, so what Before we go, like, so how Nationwide Payment Systems is using artificial intelligence today. One, we use it for content ideas, uh, social media posts, um, podcast, uh, you know, outlines.

Outline, yeah, to give us some good— it gives us a good, like, baseline.

Yeah.

And then we have to expand upon that, right?

I mean, because obviously we know what we want to talk about, so we tell the ChatGPT what to create the outline about, and then we use what we think is good and add on from there. Um, what else?

Take out what doesn't make sense.

Like I said, we've used it for keyword research. Uh, I've did it for, uh, competitor research. I've done—

yeah, we took like a title of the podcast and then put it in there and then see how it remixes it. That's interesting.

Created a list, did some research for businesses to find a list of a certain niche business throughout America. I mean, those are just some of the ways that I'm not going to tell you all of them because, hey, do it for self or die.

You got to get to learn, go on there and try it out for yourself.

Yeah, do it for yourself. I mean, there's so many ways that you could use it. And those are just some of the ways that Nationwide Payment Systems.

Yeah. And it's also used, like we said, for checking on the application and verifying phone numbers and email addresses and websites and different things like that. It can be used for a number of—

we use it for the chat. We got the— oh, we disabled the chat though on the website, so we're not using that anymore.

Yeah, people weren't into the chat thing.

Yeah, I think, you know, it's— it's a— it works for some businesses and it works for others, you know. I mean, it makes sense for e-commerce site, right?

Right?

Yeah. But for a question like you or I, like if we're going to sign up a merchant account, the chatbot itself isn't going to give you a really good answer for, for probably what you know, most people—

I saw another one that was kind of weird. So there was one of these on this website, Futurepedia, where you could type a maybe something like, like 3 or 4 sentences. And then it would put it in there, and then you could pick out an avatar, and it would make— it made like a little video.

No, cool.

And that was kind of weird because— and then you can also— they enhanced it now where you could actually talk into there, and then it would use your voice. And you can— if you wanted to pay, you could put your own avatar in there.

All right, so then I also use it for the on the website for security, right? Yeah, I mean, oh, and we said social media posts.

Yeah, get ideas. It's good for getting ideas and getting an outline and giving yourself, you know, want to look something up. Yeah, I mean, Google.

No, it's not Google. It is a lot like Google, but it's not Google. But don't use— if you're going to use that, you know, you're going to use it for content, Google already says that it's going to penalize websites that are taking that content and putting it straight on the website. It obviously Google's, you know, standards has not changed. They've always wanted you to create original, captivating content for your, you know, your users and people of the internet. So continue to do that. But use this tool as a way to streamline your writing process, I guess you could say, right?

Yeah, yeah. Streamline, get some ideas, you know, take the content from there, put it in Grammarly, put your own little twist on it, give it the— because it doesn't give it a human feel.

No, it's very, very computery. I am not a robot.

I am AI. I am AI.

What movie? I Am a Robot. Oh, that's my daughter. That was my granddaughter doing it on it. That's not a movie. Remember the book?

No, there's a movie, I, Robot.

No, for sure.

But my—

I'm saying my granddaughter was doing this.

Oh, the robot.

I am not a robot. Anyway, shout out to Eliana.

So that's FinTech Friday. That's our—

cheers—

our review on artificial— no, this artificial intelligence.

So what do you say, yay or nay for artificial intelligence?

I'd say I give it in the middle. It's, it's good for many things, but. It's also like, let's see what happens. I mean, like I said, all these people are making all these new tools. We'll post the links to the— we'll post a link to the OpenAI, we'll post a link over to Futurepedia. Okay. So you can see what's going on over there on YouTube. Yeah. And then, yeah, then like I said, search YouTube yourself. I'm not gonna— yeah, give you like, oh, this guy's the AI expert. I saw a ton of videos. You put in chat, GPT on YouTube. There's a gazillion tutorials, so you can go watch some and see how different people are using it and what they say about it and all that. I mean, the, the amount of content coming out about ChatGPT is incredible.

Yeah, it's, it's a little, it's a little numbing as well. Like, yeah, I'm already over it. Like, me and Allen were discussing the podcast a little heated discussion earlier. And it's just like, being in the industry, you— I've been like, you know, slowly introduced to this for the past, what, 6, 7 years, man. You know what I mean? Like, so this isn't all new to me, or most of us in the industry. It's not like, oh my God, oh, hey, I— oh, like, I'm not that interested. Like, it's cool. I know that it's not going to take my job, right? Uh, just like Samantha said, because yeah, the human creativity, yeah, emotion, feeling, right?

No, no, this stuff's been out there, yeah, right? But now it's out there for like mass—

the release of it was— I thought it was, uh, it was quite disturbing, to say the least.

No, it's just mass consumption. Yeah, man, I mean, because The way that people are jumping on the bandwagon, like, like on TikTok, ooh, 5 AI websites you need to know about right now.

Yeah, exactly. Like, there's about—

there's probably 5 gazillion videos like that.

There is. I mean, you scroll through Instagram, right?

That's what I mean. Every website, oh, 5 AI websites you need to know about. I mean, there's more of this, like I said, on this Futurepedia site, right? There's 10, 12 every day. Like, I'll go to it. They'll say, oh, since you last looked here, there's 20 new things. I'm like, what?

It's crazy.

Like, it's just nuts what everybody's doing with it. So, you know, it's out there. I don't think it's going to replace anybody's job. My—

yeah, I mean, we're a long way from that.

Yeah, we're a long way from that. I mean, listen, I saw, you know, listen, we were talking about on the, on the show before, robots delivering a pizza to your table, a robot bringing food to your table. Wrote, you know, kiosks in businesses. Those kiosks, they're using AI because I'm more worried about the kiosk.

Yeah, then I am worried about—

yeah, the kiosk intelligence. The kiosks are using AI because it's trying to figure out, like, you never know, they might have, um, facial recognition on there. Oh, right, they probably do. Oh, they know Allen or Justin is coming up to the kiosk and McDonald's or Wendy's or wherever you are, pizza place.

And it knows like, oh, every time Allen comes in, oh, he gets this double burger fish with an extra large soda and a sundae and a side of tartar sauce. Tartar sauce. Yeah.

So I'm just saying, so that's all being used now. And kiosks, you know, that's going to take jobs away. Yes.

That's what I mean. I'm worried about kiosks and robots.

I mean, I go to the store like I see these, like, those vacuum cleaners, and now they got a mop. Now they got— I mean, it's just, it's just crazy what's coming out, like robots.

Yeah, man. I was just telling my daughters, like, you really— it's that time for, like, the— this generation to really wake up and smell the roses, like, because you guys are gonna have to have a skill. Yeah, you're no longer gonna be needed to work at these fast food restaurants. You want to see some— I just read a super crazy article. Yeah, they got Foot Lockers, right, without people in them now.

Oh yeah, I saw that. Yeah, there's—

that is bugged out, bro. Like, you order your shoe size, it goes and picks it, and it literally— this per— there is one person that works in this.

Yeah, and they puts it in a, like, in a locker, and you go, they give you the code, and you go pick it up.

I was like, holy crap, dude. Yeah, like That is going to change. That is going to be the future. Especially like, because they were saying that this store specifically was in a high-risk neighborhood.

Yeah.

And, you know, they were tired of getting robbed, right? So they came up with this solution where you literally order your shoe at the window. And this person gives it to you.

Oh, I saw this fast food restaurants. They have McDonald's built one, I think Burger King built one. And that's a picture of a Taco Bell. So you order your food, right? There's no place to go in. The, the restaurant is on like the second floor, and you drive underneath, and then the food like comes down like the bank, you know, sends you the tube, something like that. And it lowers down.

That's crazy.

It lowers down the food to you.

That's going to be very normal.

No, that's what I'm saying. It's like, it's like crazy. Like the whole human experience. Like when I go out to eat, do I want to get served, my food robot's gonna come over to the table. I don't know if I'm gonna want to eat in this place.

Maybe once you start to feel me about eating out. Yeah, I don't like eating out. There's— it's just, especially being a vegetarian, it is so high stress for me. Like, ordering food on Fridays in the office is high anxiety for me. It's just one of those things where when you're so used to certain, you know, lifestyle habits or whatever, Listen, I eat healthy, so when I go out to eat, I don't want to go somewhere where everything's like fried food.

It's difficult, right? Or every— they're going to pizza restaurant. Oh, what am I going to eat at this restaurant?

Nothing.

I'm not going to eat the pizza.

I'm not eating nothing. Getting a salad. Side salad. Yeah, a salad.

Plastic salad with some chicken on it.

Some microplastics.

Yeah. When I go get a salad also, like, I'm like you, I want romaine or I want the baby lettuce. You know, the field greens. I don't want this iceberg lettuce stuff.

Like, you can't even melt it, it just sits there.

It's not even real lettuce.

It's not.

I don't like eating that.

Did you ever see the video about them making plastic lettuce? Yes, that's ridiculous, and I believe it.

Well, go watch—

don't watch the movie Plastic and Rice.

Don't watch the movie Soylent Green.

Um, that's why I'm vegetarian now.

Soylent Green. No, so, you know, the— there's tons of things being done with artificial intelligence. Kiosks, pick up in store. I mean, what did we read, uh, the, the article talking about? Buy online, pick up in store is like the biggest growing thing. Forget e-commerce, that's growing fast right now.

If you don't offer that through your e-commerce website, or—

yeah, you got to offer that on your e-commerce website. Buy online, pick up in-store, pick up curbside. You gotta offer that. Any restaurant needs— restaurant, retail store has got to get that going. The other thing that, that I, I was listening to this morning, they were talking about all these tech companies laying people off— Amazon, Meta, Google— because they were hiring all these employees, and most of the employees were focused in on e-com. But now some of those employees— so the biggest need in business today are computer programmers, software programmers, not computer programmers, not IT people, but actually computer programming, who are developing software applications, software developers. That's the number one job today. Yes, they said it has the lowest unemployment rate in the United States. States, 2%. Yeah, and it's probably more like zero because the people are going out that get fired, they're getting jobs. But also they were talking about how like there's been a shift.

How they get fired for—

because some companies overhired. Oh yeah, yeah, they overhired.

We were talking about that, like the, the one Amazon— not Amazon, I can't remember, like now they're— this company they had, like they They went through some crazy— they hired like 25,000 people in like 6 months. They hired a huge amount of people, and then it didn't— oh yeah, it was Meta. Yeah, Meta hired like 50,000 people or some crazy number.

Yeah, they hired—

yeah, and, uh, all across the world, and they're letting them all go.

Yeah, they're letting everybody go now because they're like, the metaverse didn't take off the way they thought, or whatever's going on over there.

You can't— you're talking about changing the way people do something overnight, bro. Like, that's a lot to ask society, you know? I mean, yeah, my dad gets on TikTok, but he's not about to buy his socks in the metaverse, you know what I'm saying? Like, it just— you know, like, you're not gonna pay your Comcast bill with your Oculus goggles.

No, I don't want to.

You know, I don't even want to talk to customer service. Exactly. Like, so there's a lot of, you know, I mean, yeah, it's cool for playing video games, and—

but that's also AI. All of that, that all involves VR, AI, augmented reality. Like, all these things are like coming together, as they should. Yeah.

Do you remember The Lawnmower Man? Yeah, the movie. Yes, everyone should go watch The Lawnmower Man. It's like kind of a precursor of like where we're headed to, right?

That maybe the movie Idiocracy and The Terminator. The Terminator. What about Demolition Man?

I love that movie. That's what was the best. Yes, yes, Wesley Snipes. They were going at it in that movie, dude. Yeah, like a pink mohawk or something. Oh no, wait, that's Judge Dredd.

No, no, he got like out of jail, Wesley Snipes, and then he let all the criminals out of jail.

Oh, was Judge Dredd Sylvester Stallone too? Yeah, so they were in the same— there was like the same movie.

They were like in it. That was a little— Rob Schneider or somebody was in Judge Dredd.

Was nuts too though.

Yeah, it was the same similar type movie.

Like, that's what I'm saying, like Demolition Man and Judge Dredd is like pretty much the same, right?

Oh, a little similar.

I'm gonna have to watch it. I do remember that movie.

Movie though. So yeah, we have to do like a movie review podcast one day.

We love— like, we should do— we should watch like movies that are like future of like technology stuff like that, you know what I mean? Yeah, not like, I don't know, what's Boondock Saints?

I don't know. I don't know. Well, we should figure it out. We should watch like a couple of movies and then do The Terminator.

See, it's definitely one because it talks about technology.

Right.

What's another one?

Well, we'd have to look and see, like, Total Recall, which ones are like predicting like the future, like what's predicting the future. And maybe like, oh, did it— like, you look at Star Trek, they're walking around with a tablet, right? You know, so they had the communicator in the ear that a whole bunch of stuff—

I will say that The Jetsons, do you remember the cartoon The Jetsons? Yes, they had the robot made. Yeah, they had Zoom calls.

Yes, they had, uh, they had that on Star Trek.

They had the doctor, uh, virtual— the visit on the, on the screen. Yeah, well, that virtual doctor on Star Trek, I'm saying that on The Jetsons though, bro.

Yeah, The Jetsons had it with the— on the TVs, on the TV screen, a Zoom meeting.

Yeah, they were living up way up because of the, uh, the pollution. Pollution. They were driving in cars.

They were flying cars. We don't have that.

Not yet. No, we're really close though.

Um, I've seen like videos of flying cars.

I've seen—

I like the—

those little helicopter taxis they talk about releasing. Have you seen those? Yes, that's gonna be cool. It's gonna be a little weird to be like a pedestrian and you see all these like flying vehicles overhead. That's gonna take a while to get used to because of the way like the world—

well, even the electric car, like they don't make any noise. So you have to be really careful sometimes. If, you know, like, like in my neighborhood, there's a guy with a Tesla, you know, and he drives a little too fast, you know, down the street when there's kids outside. But I'm just saying, it's, you know, you have to— they don't make any noise, these cars. Like, those cars don't make noise, and you're used to hearing that noise. Now there's no noise. You can't just stroll across the street, someone come flying by and an electric car and bing-bang and hit you. But yeah, artificial intelligence is every— look what they did. The Tesla's got that, it'll drive by itself.

Yeah, man.

Although it's like some states don't want to allow it, this and that.

And it sounds scary to me too.

Yeah, I don't know if I would be comfortable, like, the car— get in the car. That was in Demolition Man.

It was.

Yeah, they got in the car and the car drove by itself. That was in quite a few movies, I think, where the car drove.

That's like standard futuristic, futuristic, like movie. Gotta be in part of the movie.

We did our movie review on that one credit card movie, and there was a few mistakes in there. Like they were driving an Escalade before the Escalade was made. Oh yeah, that was not—

yeah, that was funny as hell.

I think it was made to kind of look like maybe they were driving a Hummer, but but they were also driving a Hummer.

That was a long time ago.

Yeah, it was a crazy movie.

The movie was based in what, the early '90s?

And Hummer, like the late '80s, early '90s.

So like what, 2000?

No, did it go up to— was this— that was the time period, like late '80s into the early '90s.

No, I'm saying the Hummer didn't come out until 2000.

The Hummer?

Yeah, I mean, as far as military, it's been around forever, right? Yeah, I don't think it came out until like the H2 or whatever it was, the H3.

No, they had like You could buy like the original Hummer, I think, probably like '97, '98, really around that. Yeah, but not early to— not the early '90s. No, no, no, late '90s.

Especially the Escalade, man.

Yeah, the Escalade, that's a 2000 car, right? Yeah, that, that one. I don't know when it came out, but not when that movie was— definitely not, because that movie's like, like I said, late '80s. It's the beginning of credit card processing.

The storyline is from the '80s, right?

The storyline is from the beginning of credit card process.

Yeah, what truck would they have been riding around in? Like a Suburban?

Yes, Suburban. The Tahoe or station wagon.

Or a station wagon, the, the wood grain station wagon my grandpa had.

Or a, uh, minivan or the conversion van.

Yeah, yeah, my kids are terrified of conversion vans.

Yeah, they are. My kids are too. They teach them that My son called that— well, I remember when he was little, he used to tell me, oh Dad, that's the creeper van.

Yep.

Any white van, I see a white van or a black van with nothing on, no sign on it, that's the creeper van.

Just stay away from that. Molester. Agreed. Yes, you could be a great plumber, but that's a much—

there's no sign on that thing. That's a child molester van.

Yes sir.

Creeper van. Don't get one of those.

Don't be like those those guys. All right, FinTech Friday. We hope everyone has a great weekend. Tune in on Monday for, uh, our regular, regular scheduled program. Uh, we'll be bringing you episodes. We are going to cut back from 3 to 2 a week, just a heads up. Um, we've been finding that the schedule is a little hectic to try to pump out 3, uh, podcasts. Yeah, with the promotion of it, you know, getting people, you you know, I mean, we might be able to bring it back again in the future, but for right now we're going to keep it simple, keep it to what we, uh, keep it what we know, man.

Exactly. All right, peace out. Carpe diem, everybody. Have a great weekend. Peace. Well, that's gonna be a long podcast. Well, actually, the first 10 minutes