Humans VS. Artificial Intelligence | B2B Vault: The Biz To Biz Podcast

Yo, what's up everybody? It's Justin live from B2BVault, the Biz to Biz podcast sponsored by Nationwide Payment Systems, hosted by this guy, the Chuck Daly of payment processing himself, Allen Kopelman. And we'll be providing you educational information about fintech, small business payment processing, and the technology businesses are using in the world today. And in today's podcast, uh, we're gonna have a discussion and, you know, talk about humans versus AI. AI, you know, it's been a lot of conversation going on about how AI is going to take my job, our graphic designer Samantha's job, Sean's job, video, you know, like, so this is a, it's a good pod. I think it's a, it's a good question to ask and, you know, maybe get a good conversation going. How you doing today, man?

I'm doing good.

Doing great.

Yeah. Raining outside. Got on my little jacket.

It's a fancy jacket, man. We got some new jackets. I haven't— I'm gonna wear mine today. It's raining out. Nice.

Yeah, you can wear that, the rain jacket.

There you go.

Look at that, it came in handy.

Yeah, you know what, my dad bought me an umbrella. Yeah, and I had it in my bag, but then I went to that event this Saturday and it was all nice out and I took it out of my bag, and this morning I forgot to put it in my bag and look where I'm at.

It's raining.

Look at that. Thanks, Pops. Anyway, yeah. So what else is new, man?

That's nothing. That's it.

You're leaving in a couple days, that's for sure.

Friday, jetting out.

Oh, that's like tomorrow.

No, today's Wednesday. Two more days.

Well, when this podcast release, it'll be like—

oh yeah, it'll be tomorrow. No, so, you know, the thing is with—

hey, it'll be today. You'll be gone.

Oh yeah. What's crazy is, what's crazy is We were at an event. When was that? A couple of months ago. Right. And there was a guy doing a whole AI presentation, remember, at the Better Business Bureau event. So bad. But one of the things that the guy said was kind of amazing was he's like, he was talking about AI, but he was also talking a lot about automation.

The French guy.

No, no. But he was talking a lot about automation.

He was French.

So there are, there's a difference between AI.

There's nothing to be, when I say the French guy and yes, yes, he was French.

I'm not saying that maliciously.

I'm saying that because we just said this like on Friday, that for me, it is one of the hardest languages to follow.

That's it.

I'll leave it there. No, no.

But the, you know, AI and automation is two completely different things. AI is artificial intelligence. Automation is not AI. And the other thing that's crazy with AI is now they have this AI, you you know, .ai for websites. So everybody who's got any kind of a product is now renaming their product. Yeah, .ai.

I built a website for a guy, well, not even a guy, my mentor, A-Sun, like 4 years ago, right? And it was a .ai. And I built, and he was way ahead of the— he's always been that way.

And I bought—

shout out to A-Sun.

And I bought a domain, you know, for— we didn't do anything with it yet— payments.ai.

I mean, we have to have content. Yeah, well, we have— there's a business model behind that you got to figure out.

We haven't figured it out, but we bought it just in case somebody wants to buy it.

Definitely, I think, will be useful soon. I think that once we figure it out, the artificial intelligence, like how we can incorporate the AI into the payments of our system, right, where it's really AI and not just automation, right?

You know, because there's a lot of automation out there, but now it's being—

automation isn't artificial intelligence. No, no, but I'm saying people are selling it as AI, and you're naive for buying into that, right?

So don't buy into the hype, you know, AI hype, because you've been using AI for a long time.

I said it in a podcast many times, and I'll keep saying it again, you know. Yeah, it's not like just dropped yesterday, like when ChatGPT came out. Like, that was not— that was a good, you know, that was like the first release of its kind, you know, but not really because Google—

you have Google Bard. I don't know, I've tried like a bunch of them. Perplexity, I've tried Jasper when it was free. I got a free trial. OpenAI, Bard. I tried, I tried Bertha. I tried another one called Super Copy AI.

I mean, yeah, I mean, we've been using— anyone that's been in the, you know, like the digital landscape or whatever, they— whatever terminology we're using today, I don't care. Anybody who's been working on the internet has been using artificial intelligence, especially copywriting tools such as those things that you said, for many years. Um, yeah, they were—

yeah, they were very expensive. Not like today. Oh yeah, no, no, no, no.

Yeah, the membership, the subscription fees was crazy, you know. Even like, uh, I'm not gonna say all my— my little—

no, but like, I saw a tool the other day and it's like Oh, this is better than, uh, what's one of those SEO tools?

That Moz.

Moz. Oh, better than Moz SEO AI, blah, blah, blah. It's all the same.

And what does it do?

It doesn't do— oh, supposedly gonna go on your website and then tell you like, oh, what keywords. And yeah, do an audit. Yeah, that's already happened.

That's a— that's— I've been getting so many LinkedIn messages for that. Yeah, I get kind of annoying.

I get LinkedIn messages for AI chatbots.

To all you guys out there using LinkedIn to message us, and I appreciate you, I— it's a hustle, right?

Yeah.

But at least, you know, look at the people you're sending it to, man. Like, we're doing a campaign on LinkedIn now and utilize— I mean, I don't know, I'm sure not everyone can because Sales Navigator is kind of expensive, but you know, we've been using Sales Navigator and you can stop sending, uh, SEO, uh, propositions to the digital marketing director or the guy who's the SEO expert. It'll stop making you look like an ass. You know what I mean? Like, and you might even get a, you know, some side of relationship with the other people. I don't know what to tell you.

I get messages for digital marketing, SEO.

Well, as you should, because you're the business owner.

No, no, but I'm saying AI chatbot and coaching. I do not want to get another person doing coaching.

The fact that they send it to me when I'm first the digital marketing director, Firstly. Second, like, that's what I do.

I know.

That's what I've always done. Like, so like, it's very annoying when the young kids hit me up on LinkedIn and they don't even— and I know it's all automated, but I also get a lot of them. But it's just annoying, bro.

Like, but I get a lot of messages too, like from out of the country, Bangladesh, countries I never even heard of, Ghana.

And that's automation, that's not AI.

No, I know that's automation. Exactly.

So that's the difference. But we're way off the, you know, like AI. So like for me, right, a guy asked me, we were, I forget where I was, you know, he's like, so you, you know, you, you got, you web developers, you guys are gonna be really screwed here in a couple, you know, months, whatever. And I said, yeah, really? He said, yeah, you know, AI, you know, you can, go to blah blah blah and, you know, build you a website. And I'm like, yeah, sure, sure I can, that's fine. What are you gonna do with it? How are you gonna— I mean, you might have a website, but who's gonna market it? And, you know, all these other things, like, and yeah, it might work for a really small-scale business, you know what I mean? So like you know, like a photography business or something, and you can go on to Squarespace and you can type in your business model or whatever, and it generates you a website, right? And it might work great for you. That's not my target market, uh, target client, you know what I mean? Like, so, and even that, you know, like, at the end of the day, I don't care.

Listen, some people, it's like, you know, this AI software, you You have to be, you have to do it yourself. You can't just use the AI content. It has to be like remixed, rewritten.

You know, I saw— You need to put a human element to everything.

Right, 'cause I saw one where it said, oh yeah, this AI can film, do your product description.

Well, if everybody's selling like a jacket, I have a red jacket with a blue lining and a zipper, and that's gonna be the same response that you get from that, from that, you know, product description generator, right? And every one of them— why do you think Google, like, specifically when you're reselling these things, like you're a reseller—

that's what I'm talking about, right? When you are reselling the same product, I get it, all the product descriptions are going to be same, but they're already— they already are, right? And for the most part, but that's because— change them up.

But no, but I'm trying to get to like, people don't read what the those, those resellers say. It says like literally, this is the product description. Do not copy and paste the exact same thing because your website will get hacked for your— get not hacked, but will get checked, you know, for duplicate content, like plagiarized content, because there'll be a website that was created 10 years before you with the exact same description.

Correct.

So There you go. I mean, take the time out to say, yo, this is a fly red sweater with, you know, Egyptian cotton.

Or give it a name, right?

Sustainably sourced, you know, anything to change it up.

You know, call it a name like, oh, the Allen jacket.

Yeah, right, exactly what it was called. And then Swiss still will switch up the content. So like, the human versus AI thing, it's laughable to me because What do you look at it?

Because it's— because people have been saying, like, they go— they were comparing it to— I was watching another show on a business, a business news thing, and they were comparing it to like building cars. They're like, oh, back in the day you needed like 5 times the amount of people to build a car. Now they got robots. And other jobs are going to have the same thing. But I just don't see like that happening because when— once you remove the human element, it's all just going to be too robotic. I mean, I don't like when I go to a website and they have a chatbot on there and you go to the chatbot and the chatbot questions are— the things they're asking you are stupid. You want to talk to somebody, they have no phone number on their website, then they want you to fill out a form and then they're not even going to call you back.

Like, and that's not really AI, that's, that's automation again, right?

But I'm just saying they call it AI chat, right?

The people who have like, you know, AI chatbots are really installed into their website. Uh, you're yawning a lot, bro. This is not happening.

The, the, uh, the rain outside is like— I'm going to take a nap from the rain. It's been raining for like a couple hours. Oh yeah.

Uh, so yeah, man, the humans, uh, the, the aspect— I forget where it was.

No, the human aspect is—

yeah, I mean, you still need it, right? Like, you need that touch. To be felt by other people, right? Like if I'm a human Googling, you know, your product and everything feels— "Hello, my name is—" you know what I mean? Like, I hate how that's written in the first place. I can tell because I've seen it, you know, like I use those tools for, for copywriting and stuff like that. So when I read that on a website and, or even in articles, it's, it's terrible, right? Like, it's not, it's not good.

No, but I've also seen, like, I saw this one chatbot and it was like, this guy showed me and I was like, I don't want to use that, it's not good for me. But it was a, a chat, uh, some kind of AI, and it could search. They put it on, you, you install it on your website Somehow it intakes all the things you have on your website, like all your products and all that. And then it could answer like any question. So this guy like stuck it on, not on our website, but he like copied some of our website and put it in there. And then I asked it questions and it told you, oh, where's Nationwide Payment Systems? How can I call them? I asked it a few different questions and it answered the questions. But what that kind of thing is good for is let's say you have a point of sale system or you have a software and there's a huge knowledge base, right? And instead of the person going in there searching the knowledge base, they could ask a specific question. And then the AI thing basically goes in there and spits out like, oh, here's 5 things for you. But you can do the same thing if they just have a search.

You still need a human to implement it, right?

You still need a human to implement it. It just makes things like a little faster.

But you need a human to manage it, right?

No, people need to figure out like how they can.

So is my job going anywhere? No, no, job's getting easier.

It's going to get changed around, right? Changed around. I'll be more productive, develop more different skills. People are more productive.

That's how I look at it as— no, I'll be learning things to cut time. Stuff that used to take me an hour will take me 10 minutes.

Like the other day I went somewhere and I saw these guys and they were— that, uh, two little robots, you know, and they were at a restaurant. They were trying to sell the robots to this restaurant and I was talking to the guy and I was like, so what are you guys doing with these robots? Well, you know, you can use the robot. And it was a little complicated because I asked the guy, go, well, what if they move around the tables in the restaurant? How's that what's that going to do to the robot? You know, because you're gonna— because the guy was explaining, oh yeah, you're gonna put the floor plan in there and do this and that. So you got your floor plan and reprogram it, right? So he was like, well, that could cause a little problem. So he goes, you know, because the guy was at the, the person— I was at somebody's restaurant and he happened to know the owner. And he's like, oh, what do you think about this? And I go, I don't, I don't know what you You know, I don't know.

I think that, that I've seen it in a restaurant down here before. It was a, like, uh, not a sushi, it was just a reg— maybe it was sushi, I don't remember. I was in Chicago. Yeah, it was in Chicago where I seen it. And I mean, in a sense, it was just a rolling cart that followed this person. So I don't know if it was really a, you know, like a robot in a sense.

But yeah, so one of the things that it could do is it had a— uh, it could talk. And one of the robots could talk. So let's say you walked up outside the restaurant and you want to get a table, and usually let's say you have two hostesses. So you could replace one of the hostesses with the robot, and the robot could answer questions like, what are today's specials?

The other time I seen another robot, I was down here for sure, was there was a robot bringing the orders from the chef, from the kitchen to the front, front. Yeah. And that, that was a good usage case to me. I could see where, like, that would cut down on a lot of time.

I could see it being a busboy, like you have bus carts on it, but how is it going to grab the shit? No, no, the waiter can put it in there, but then they don't have to make the trip to the kitchen. The robot can just take—

oh yeah, that, that would make sense. I could see it.

I could see stuff like that. But, you know, We're definitely going to see some kind of robotics come in. It's got to get less expensive, more reliable, better.

Speaking of, I mean, this is just random. I was checking out something yesterday and I scrolled past something that made me think about electric vehicles. Yeah. So this one guy was saying he's a mechanic, and this year alone, like within the past couple months, yeah, he's got like 5 Teslas, right, in his lot, right? They all have the same problem. Yeah, low charge, right? He said it's interesting that the new one came out and now all the old cars with the older operation—

they have too much control over the cars.

No, and he's— in his, in his, his comparison was literally the iPhone, right? He's like, so is this going to be what it is for electronic vehicles moving forward? Like, yeah, you get this new car, then 2 years from now the technology has changed so much, you gotta upgrade. How is that? I don't know. I don't— and then beyond that, what the hell are they going to do with all those batteries? Oh yeah, you can't just sink them into the ocean.

One of my friends has a Tesla, right? And they got into an accident, and, and in the accident, they got— the car got hit on the side went over the, you know, went into the, uh, median, and then the battery was damaged. Guess what? How much? The battery is like $20-something grand. More than the car?

Like, the car was like—

I was like, $20-something grand? I said, how much was the car? My friend goes, oh, the car was like $50, right? $50, a little under $50 grand, because they got like— and then the battery's $20 grand, and then insurance doesn't cover the battery, right? They, they didn't read their insurance policy.

There was an— no insurance, no insurance covers the battery on the electronic vehicle, right?

So there's even in an accident, so then they had to sue the guy who hit him, right, to get the money for the battery. Meanwhile, my friend is paying the car payment on the Tesla that if he doesn't, they're gonna repo it, right? He's paying the car payment. He had to get all the body The body had to get worked on, which took 6 months to get fixed because you have to go to a Tesla verified dealer, right?

And a very— very—

and then they were suing the person who hit them. Thank goodness it was somebody driving like a Mercedes that was kind of impaired. So they ended up coughing up to $20 grand for the battery. He was drunk, um, supposedly somewhat impaired. Oh yeah, tripping. I don't know if they arrested the guy or what the story was, but they ended up having to like do a side lawsuit to get the money for the battery. I thought it was kind of crazy, and I was like, and then you're paying for like 8 months. My friend said altogether was over 8, 8 or 9 payments, and you didn't even have the car. I was like, 8 or 9 payments?

How do you think I was feeling when my car was in the lot It was in over there for 2 months.

I was like, what are you doing? What are you doing?

I didn't have my car for 2 months and I had to pay the car note.

And he was driving the— driving the, uh, he had to get a rent-a-car and pay for rent-a-car. Now, another friend of mine told me a story the other day. I was laughing so hard. He says, I just thought of that, man.

Can you put that into the car? Like, I should have sued this shit out of that guy, man. So listen to this crazy story.

Oh, so my—

being nice, man.

So my friend goes on a trip And I don't remember where—

we're way off topic here, brother.

No, but I'm telling you, this has to do with AI. How? Because he had— he got to the airport and they didn't have any gas cars, so they said, oh, we'll give you this electric car. That's not AI. So he needed to charge it. Okay. And then he went— the only place I had to charge it was Walmart. And he got to the, and he had to charge the car up at Walmart. He's like, dude, it took like 5 hours 'cause people were waiting in line to charge their cars.

I just seen a video of a guy in LA who said he's never, anyone wanna buy this? Yeah. He said he's done. He said that literally he'll get out of work 'cause in LA and San Francisco, there's no place to put this shit in your house. Right. There's no—

well, you live in an apartment building.

You can't go charge your electronical vehicle there, right? He was saying, so literally he was driving for a block, bro, and I'm— and he's like, yeah, you see all these cars? This is the line to charge your Tesla. And I'm talking a line, right? What? Like, every time I go to Wawa by my house, that place looks packed. And I'm like, oh wow, that's all electronic vehicles. Yeah, but how long does it— like 5 hours to put a charge?

Well, no, he had to wait for that. No, he had to wait altogether. That's what I'm saying.

Like, with the time of waiting and then charging, what are you gonna do? It's like, you what, you go pick up your car, you charge it, and then you catch an Uber somewhere?

I don't know. What the hell? Very weird. No, but like, AI chatbots, I think it's, it, it's a little out of control.

AI chatbots are a long way to go. Uh, the ones that are good are very expensive. AI taking the job of web development, I say it's the same as the DIYers, the DIY movement when Squarespace, Wix, and all the other ones came out and made it super easy. I laughed at that because I can't tell you how many websites I've had to rebuild that were built on these like generators. I'll tell you what, it's just ridiculous. It's like because these business owners think that the AI is going to do this thing for you and it's going to be great and blah, blah, blah. And there's no human element to it. There's no love, there's no blood, sweat, or tears put behind it. And so it's, it's nothing. It's lifeless.

No, people send me websites all the time because they need merchant services and we'll get sites and a lot of them will be Shopify. Yeah. So we have to tell, and I'm like, well, aren't you using Shopify Payments? Oh, we got kicked off of Shopify Payments, or we sell stuff that they won't process for 'cause it's Stripe. And so somebody sent me this website and it was these guys selling coffee on there. They got like really angry with me because it was coffee and there was an element where there was like hemp in the coffee. CBD. Yeah, CBD. Oh, the hemp. Wasn't CBD.

They said it was hemp. So that's bullshit. Sorry, guys.

I know. So I'm like, okay, so there's hemp in your coffee. I go, you still gotta have like all the tests, and you gotta have the tests on there showing because it was like coffee with hemp ground into the coffee. Don't have oil, hemp.

I don't have crust of weed. Yeah, so it sounds like a terrible cup of coffee. So I was like, okay, well, no, I've actually had weed coffee before.

So I was like, so you got to have the test, the COA test on there, right? You can't just say, oh, there's coffee and there's CBD or hemp in it. It's right there on your website, Delta 9 coffee or whatever. I was like, is there Delta 9 in there? And the guy's like, I don't know. I'm like, well, you can't just call it that. They're going to think the bank's going to say that they're Delta-9 in the thing. And I start reading the ingredients. One of the other ones, I go, this one says it has hemp. This other one says it has CBD in it. It was just like 3 or 4 products. I go, well, where's all the tests for it? Oh, we have the test for the product, but not the test on the coffee. And I go, well, you have to have the test for what you're selling. They like flipped out. They were like not happy. This bank money with a, uh, a consultant, and the person made the— helped them make the Shopify website, charge them like— they spent all together about $8,000 or $9,000. You got to get tests done and all that.

I just talked to a woman this morning. She said, yeah, I can. I can what? Sell THC on my website on Shopify. I said, no, you can't. Shut it off.

They'll They're gonna turn it on.

I literally sent the screenshot and I'll read it out loud, but it says, "You can sell hemp or hemp-derived products if it's legal and you comply with all marketing laws in your jurisdiction and the jurisdiction of your customers." Well, that, first of all, if it's a website, yeah,— that means the whole entire United States, ladies and gentlemen. You can't narrow your products— well, you can narrow your product sales to whatever state you sell in, right? You know, which, that's a totally different story. The products you sell can't contain more than 0.2% of THC, regardless of the compound type, such as Delta-8, Delta-9, and Delta-10.

That's less than the hemp law, the Farm Bill, which is 0.03.

So you can't— yeah, you can't sell it on Shopify, right?

They lowered it to 0.02 on purpose because everything's 0.03. Yeah. Or you have zero THC. But I'm sure that there's more stuff in there about why you can't sell it. But, you know, the AI thing is, you know, is it going to take people's jobs? No.

Yeah, I mean, it will in some sense. Like, some jobs they're going to be losing. Like, the jobs that artificial— I say, would you rather use content editing? Yeah, Rapsky. Okay, you're done, though. Okay, you guys are done. The people who are writing content, I'm sorry, but that's a wrap. Like, humans, after we write it and we put it through the content editor to like the, the copy and all that other stuff You— what are we— what is it used to you for, right? Okay. Um, the photo editing, impossible, right? Right. Yeah, like, yeah, I might be able to fix the photo, but it's still going to need that human touch to find, oh, this person's hair flowing, whatever, you know what I mean? Not gonna happen. AI building websites, take my job, maybe in 10 years.

Yeah, that's what I mean.

It's going to be maybe in 10 years, the graphic design, maybe in 10 years, you know. I think that people—

yeah, but I see like people, I can see on Facebook, you can see right away somebody's using, uh, Canva, the Canva, um, AI posting, AI, and you see like 5 hair salons, every one of them almost the same, everything looks the same.

And once the, once the customers start realizing this They're going to be like the customers.

Oh yeah, Facebook pushes it down too because they see similar content, right?

Of course. But even then, the customers are gonna be like, what is this? I've seen this yesterday for the same— for a different product, whatever, you know. It's kind of like, um, stock photos to me. Yeah, you know, like everyone's using the same photos.

We see that all the time.

Yeah, especially in this business.

Yeah, we'll see people on a website and have same exact pictures on their website.

Um, artificial intelligence in restaurants. I see, uh, people taking the money. That's done. Taking the orders, I mean. Yeah, I see. I could see that. That—

I don't know if that's going to be AI.

I'm talking about drive-throughs and stuff like that.

Oh, drive-through. We saw an AI.

I guess that's more robotic.

We saw an AI that made telemarketing phone calls.

Telemarketers are done. I think that's going to be customer service phone. People, that's done. Sales calls, the, like, the real, like, the guys that are sitting there making sales calls 100% of the day, that's, that's done.

No, I saw an AI where you could give it the script and then all the, you know, all the rebuttal questions, right? And then we'd make the phone calls. But I started researching the company and they had a bad rap and all this, and I was like, there's no way I'm paying you $1,500 to, like, a month No, they want $1,500 down to program it.

Oh, I was like, I don't even know if it will work anyway.

No, no, I'm saying you gotta— I said you gotta try it out first. Yeah.

Well, in my honest opinion, it's a wrap for a lot of stuff, but AI is not taking my job. Thanks for listening. We appreciate you guys.

I think people need to experiment with AI, see what you can do with AI. See how you can use AI, because I think if you're going to have a job 5, 10 years from now, you're going to have to incorporate AI into your job.

Yeah, and if you're not using AI now, you're losing. But anyway, hit the like button, smash the subscribe button for us. Uh, peace out. Carpe diem.