In the latest episode of theDigital Banking Podcast, host Josh DeTar welcomed Tommy Cotter, Director of Data Products at Benzinga. Cotter spent his early career optimizing Ram 1500 production at Fiat Chrysler, where a single second of downtime could cost a truck. In this episode, he joined DeTar to talk about what that mindset looked like applied to financial services and why most digital transformation still amounted to putting a broken process on an iPad.
They got into the build vs. buy debate in an AI-accelerated world, what Plaid's MCP connection meant for community FIs, and why hyper-personalization had nothing to do with uploading a photo of your dog.
Cotter also introduced two ideas that sharpened the whole conversation: John Gruber's auteur theory — every product reflects the taste of the person calling the shots — and Ivan Vendrov's "tyranny of the marginal user," a warning about building for your lowest-engagement user at the expense of the ones who actually stay.
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