AdviceTech Podcast #52 – Moxo – Transcript

Peita Diamantidis
Hello and welcome to the ensemble advice tech Podcast. I’m Petia Diamantidis and the guests joining me here today to deep dive into Moxo studied technological innovation at Berkeley in the US and I’m a little envious of that is Head of Product Marketing or growth at Moxo and I’m pretty sure she appeared on an Amazon Prime show. Ready Set Start Up UK helping contestants out with setting up mock. So thank you so much for joining me on the show, Nikhita Iyar.

Nikhita Iyar
I am so excited to be here.

Peita Diamantidis
You are very welcome. Now Nikki’s kindly joining us from California. So we all must be very grateful for her time. And you know, visiting us virtually here in Australia. So before we dive into Moxo, which I’m really excited to share all the wonderful things I’m aware of that it does. Let’s just get to know you a little better three use of technology. What’s your most used emoji? Do you even use emojis?

Nikhita Iyar
Oh, I do. In fact, I’ve been accused of using too many and my text messages look much smiley err than I am in person. So I would say the smiley face is my is my most used emoji.

Peita Diamantidis
Fantastic. You know, that’s actually opposite to what some what some people are. I tell my team all the time, when we write emails, often they sound a bit flatter than we are in person. And I often tell them to give it an extra small lift, like try and give it a bit more zhuzh. Right? So you’re the opposite. You’re You’re a bit more effervescent on your

Nikhita Iyar
I always find my messages look too unfriendly. So I add a smiley, and then I’m thinking to myself now maybe if it slips over friendly.

Peita Diamantidis
Oh, I love it. And look, we all live on our smartphones. And they’re attached to us permanently. If you had to delete everything off your smartphone and just keep three apps, which ones would you keep?

Nikhita Iyar
Well, I would definitely keep Moxo because that’s where we run our entire business and take care of my banking app, because that’s obviously an important one to keep track of. The number three, controversial but food delivery, my food delivery. I quite heard cool lie on that. So food delivery, it is

Peita Diamantidis
good, cool. I realized the other day that I get so many things delivered of diff all different types, you know, groceries and all sorts of things that, that it’s become an actual exercise to go out and shop now because I do so little of it.

Nikhita Iyar
I know that I’m like, why are we being so dependent now on technology, but at the same time, it makes life so convenient in many ways. So it’s nice to have the option. Right?

Peita Diamantidis
Exactly, exactly. All right, let’s dive into Moxo, shall we? So for the audience who may not have heard of MCSA? Before, let’s give them a feel of where it sits in the tech space, you know, what category does it fall under, generally, you know, and maybe what other tools it’s generally lined up against just to give them a feel for where you guys play.

Nikhita Iyar
Absolutely. So mokslo provides visual interaction workspaces, and particularly for business to streamline their external projects. These projects can be anything from onboarding a customer to managing that customer relationship on an ongoing basis, we find that pretty much any business where there’s consultative interaction happening between a knowledge worker and a customer, and again, that customer could be a partner, typically another business team of people, a vendor, or an end client, these interactions are taking place today over email plus text plus attachments. And a lot of times we’re in this era where we think more tech is better. So we work with a lot of companies where their tech stack is no 510 15 solutions, but when it comes to managing the external customer relationship, and particularly the projects and workflows that they have going with these customers, it’s happening in a very disjointed way. And it’s not easy to manage, not easy to operate, things can fall through.

Peita Diamantidis
Absolutely, and I think, you know, for the listener, then, you know, when we think in our world and financial advice, and here in Australia, it’s it’s quite a cottage industry. So there’s a lot of you know, there are big businesses, but a lot of small entrepreneurial businesses, then, you know, our projects are that, you know, annual review for the client or that like the particular thing you’re doing at that time. And you’re right, there’s a lot of interaction and documents flying left, right and center and other people that jump in and it can be chaotic. And that’s without then considering how insecure email is to send private information, you know, private financial information. And so for me, you know, for a hub like this, or something that makes you that can bring you further security becomes really important.

Nikhita Iyar
100% you captured it. I think what we see is over the last 10 years, there’s been a huge platform shift, right and we’re talking about my favorite apps and food delivery, but it really stands through that it’s influenced and changed human behavior. Due to the rise of this new platform shift of what we call the smartphone, right, we are so adjusted to living in a world where we open up these screens, we click a button and we get instant service. So that mindset shift, it’s also been a shift in how we manage time, people, you know, can text and be in 510 15 continuous conversations at the same time, I think that entire way of living has influenced the way we now expect to conduct business as well. And there’s a lot of these incredible apps out there. And businesses were really they’re amazing tech companies like the, you know, Ubers of the world, or the food delivery apps of the world, they’ve streamlined this entire consumer process that used to be, you know, time heavy, disjointed, you call a cab, you wait for them to show up, you have to carry cash. Now, it’s a click a button from wherever I am. And there’s this whole, you know, external process, that’s just set up for me. And I can go through that journey seamlessly in one stop. So but I think that when you take the thought process, and you apply that to Business Services, which is you know, most businesses out there conducting relationships with their clients and business, it cannot be as simple as a self service journey. And a lot of these apps, you’re looking at high touch interactions, documents, right to see is critical, as you said, so and a lot of times these are relationship base, it’s some trusting somebody else. So why would I work with you? If it’s a completely self service journey? I need somebody who can help me through the process. And that’s why I’m hiring you my lawyer, for example. Right?

Peita Diamantidis
Right. Exactly. Right. And so, you know, in, in financial services, or financial advice like us, what’s interesting for me, and I don’t, I’m not 100% certain of this in the States, but I think it’s a bit similar is Financial Services has huge dollars in it, right? I mean, it’s got massive amounts of highs, huge numbers of people. But when it comes to tech, for the consumer, it is way behind, like, it’s been one of the slowest. And I guess there’s concern, you know, IT security and all these concerns, but it’s taken a long time for us to get customer centric, about the solutions we provide from a tech perspective for the consumer, you know, like something that they interact with. And that’s what I love about something like this, where it’s, this is built around interacting with the consumer, your client, you know, it’s built around their needs, what they need to do where they’re at

Nikhita Iyar
100%. And in fact, you know, we’ve had this question from some of the banks and firms we work with asking us, well, how do you change consumer behavior? Right? How do you get a customer to use a new solution? And our answer always is, you’re not going to be able to if it’s positioned as a messaging chat, or just another way to communicate, you’re right, I’ve watched, why would I choose to as the customer say, You know what, I’ll download this new service and use something with you, versus the way I’ve used to join things. Whereas if you show them that, it’s about streamlining their experience, and providing them with a better experience to get whatever business done, that they’re trying to conduct with you, for example, in wealth management, you know, approving a transaction or setting up a grat, or something like a loan application, where sometimes the process is so miserable and chaotic. And we see our reversing there, and customers are just so fed up by the end of it because of the amount of back and forth and drop offs and just getting simple answers and the right documents uploaded, right?

Peita Diamantidis
Yeah, absolutely. And it’s, um, when I think about also, you know, even for the client, so if we use email for those things, then if they want to refer back to something, or they want to, you know, check something we commented on with that particular little loan application or review, or whatever we’re doing, you know, they’ve got to dig through their own emails, and nobody ever finds what they’re looking for an email, it’s a disaster, right? It’s just, it’s not a storage facility. It’s not a place that should hold conversations really. Whereas something like this, it can be sitting in that particular project that you’ve worked on with that client, they can just go back into it and check what they talked about with you and what what you guys decided together

Nikhita Iyar
100% I think you bring up an interesting point to that. Email and our whole let’s call it perception of email nowadays, I think has changed 1015 years Oh, email was the primary form of business communication. And today whites while it still stands as that barely anyone likes it, right? This anyone you talk to you and you, you talk about, hey, you know, you have a team member and they sent a document. Oh, but they had a question. Someone had to call in redline it. I mean, those sinful actions or business actions are trying to conduct, you know, maybe one step in a process can take so much time going back and forth on email. And I’m sure we all have examples in our own personal lives of working with different firms and how chaotic it can be. So I think that when you look at the form factor of how to design a solution that can solve for, you know, the the external journey, a lot of businesses come at it and that in fact, I’d say this confidently that 99% of businesses come at it from the AIA Well, you know, let’s use artificial intelligence. And that’s great. But you know where Moxo is different is, we came out from the interaction thing, we actually see it more as augmented intelligence or assisting the knowledge worker making their lives easier, just serve more customers and therefore make the customer experience great. Whereas when you come at it from the angle of automation, you need to think about, you know, the fact is, I’m hiring somebody for their consultation or their services. And it applies across the board where the value of the transaction or that process is higher there, that external party wants to work with a human. So how do you better assist a human to do their job in a more seamless way and have better control of management over the data and privacy?

Peita Diamantidis
Yes, yes, absolutely. And it is that fine balance, isn’t it, because all of us, everybody’s got rising costs, we’re all experiencing rising interest rates, all these sort of things in business and for the consumers. So we’re all conscious of streamlining and efficiency, but there is a line beyond which we just can’t push it too far. And we need to make sure they get that interaction, and they and it feels human, to the best of your ability. And what’s what I love about this sort of tool is even I mean, I can see it with the bill that we’re doing is that the team are considering using far more video. Because even if it’s not live interaction, it’s, you know, recording a quick video into the app for that client. And then the client gets to watch that in their own time, you know, that’s still more personal than an email

Nikhita Iyar
100% We have a client who said that it’s so great, they’ve had their advisors, you know, be able to log into the app, they can see, you know, a customer is asked a question, and they could send them a quick video clip while annotating on a document. So it’s, it’s as though the client just sat down with you and personal in person, and you gave them this great experience, it was it was very personalized, and it was dynamic. But all the while you could be you know, in the Netherlands as this client is from, like home from the office or going to dinner with the family and still take care of clients, right. So it’s better for both parties. And from an operational standpoint, you as a manager or manager of that line of business, or that particular, let’s say team that’s external facing now has visibility into what’s going on and where the drop offs are. Because that’s a big thing to the person managing how do you know, in tomorrow, if somebody leaves your organization, is that relationship going with them?

Peita Diamantidis
Yeah, yeah, absolutely. And speaking of teams, then let’s just talk about how that can work. You know, from the team’s perspective, but also the client, so the clients downloader, that they’re interacting with your business, then, you know, they can then be have a primary contact, but they can also believe, you know, draw in somebody that might be a technical expert, all that sort, and they can be part of that conversation. Is that correct?

Nikhita Iyar
Absolutely. So we’ve designed this concept of the workspace, the workspace being the one stop destination to complete a process. And within that workspace, you have structured business actions. So those can be things like an E signature, and approval and acknowledgement, booking a time where multiple people calendars need to be checked. And typically, that goes back and forth on email for a while, right simple things that happen in you know, completing a process with a client or an external party, something as simple like uploading file or collecting documents, and you have the opportunity to say, what happens in this process, let me create all the steps in here and preset that process and assign each step to somebody in advance. So in a way the workspace guides the interaction. And then if anyone has any questions, while you don’t have to exit or get on a phone call or meeting, you can do it all from within there, you have a lot of unstructured interaction capability, like messaging, video meeting, documents and annotating on them. So the whole idea is this now becomes the One Stop workspace for that process. Now, as an external party, whether I’m a end customer and a high value b2c case, or, you know, a partner vendor, which many times are the end customers, because our, our audience is primarily on the b2b side, I’d say that, you know, we wanted to make it as simple as possible, and as accessible as possible. So instead of requiring somebody to download the app, they just get a link to the workspace. Same way, they’re used to get a link to a DocuSign or, you know, some other x simple utility action they need to complete, they now get a link to the entire process where they can dive in and take action.

Peita Diamantidis
And what’s interesting to me about that is, you know, an advisor might have an ongoing relationship with a client and they’re interacting via the app continually but there might be one instance that might be estate planning that they’re working on with the client now, the adviser might not be the estate planning expert, they’re gonna bring somebody in that does that or they can just take part in that particular space. You know, you can invite them in and they can interact this external party, it might be a lawyer, it might be somebody else. They can interact there can be party to it without like you say the CC on the email. and make sure they get invited to the meeting. And it can all just happen in that workspace.

Nikhita Iyar
Totally. And that’s such a pain point, we hear all the time that somebody forgot to cc the right person, you know, and then they weren’t on the thread, so they didn’t know what was happening. And turns out, well, you could lose a client just in things like that, because it you dramatically impact the clients experience with your organization. And you’re absolutely right, being able to loop in the right people, and also loop them out where it’s not necessary and, and have the workspace direct them on what they need to do, makes it a lot more personalized, but much more streamlined and easier to manage for whoever is hosting that process are responsible for that process coming to a completion.

Peita Diamantidis
Yeah, I mean, it’s, um, well, I mean, one of the things that attracted us, we noticed, I looked, so we use a CRM, and I looked past, you know, into the past of all of our completed tasks. And for the team, and there was a lot of, you know, follow up client on blah, blah, blah, blah, blah, you know, like this was sort of a nagging, I call it nag, but an egg, the client to get something. And so what I loved about him Oxbow is the ability to set it to do for the client, so that then it’ll pop up as a notification, I don’t need the team to initiate or do something, this system can do that, you know, so And sure, maybe after a few versions of that, and we still haven’t got something, we could have a trigger that says, hey, send the client a quick video to make sure they get this done. But, you know, it’s, it’s taking out all of those ridiculous follow ups and admin and, you know, the silliness that we all get frustrated by that isn’t actually the work we do, or the value that we can add to the consumer, you know, on a face to face basis.

Nikhita Iyar
And the amount of time that gets wasted in that process, right, complete times would be put to new business or enhance a current customers experience. And that’s why I’d say, you know, what the customers that MOQ so has worked with and been able to have the opportunity to see their processes with external parties get streamline. One thing we can confidently say is helped our customers is reducing churn and increasing retention. Because when you’re able to better manage these processes deliver a great experience with the privacy required. Well, guess what you’re able to give a better experience to that customer in that first month, when they’re most likely to drop off, you, as an operator, know exactly where your processes are getting stuck. So you said let’s say there’s something the client needs to take action on, you let the system drive it. But you now see, maybe in a onboarding process, you’re running with 15 clients, everyone seems to get stuck at step four. Well, now that at least something about step four, maybe I need to restructure the way my process run, and you get insights that are actionable to be able to improve your operational efficiency.

Peita Diamantidis
Absolutely. And I mean, I’m betting that you guys see some consistent improvements that people get out of the system, and maybe not even the thing they were chasing, you know, what might not have been the reason that they took MCC so on but the you know, there might be some improvements in, you know, reduction in the length of the processes and things like that, that just come about because of streamlining the way that you we interact with the with the client,

Nikhita Iyar
definitely we have customers come to us saying, you know, the easiest way to track it is a previous process used to take us three weeks. And now it’s taking us two days. I mean, we had the example of an onboarding process, the fact that you can, quote A customer saying we can now onboard our end customers in two days, versus three weeks. And that’s just one such example, you have so many examples of just reduction in time. And the reason reduction in time is directly tied to a better experience is because customers find it more intuitive. It’s easier for them to use, and it’s easier for the operator or or that account manager to not have to manually follow up on every single piece of the puzzle with each client. But in a way the workspace drives it and tells them where they are. So it’s a funny example. But we get this all the time. We have customers who come to us and be like, I’m just looking for that Domino’s Pizza tracker. And I want it I have servers and vendors partners to know where am I in law says what’s right. And it’s tricky, but we see you can buy a great service. And in fact, the more money people spend, the more they expect a better experience. So that first month is critical and being able to tell people here’s where you are. Here’s what’s happening next. And don’t worry, it’s your turn on Step seven. We’re taking care of all the in between and here’s let’s get right. Yeah.

Peita Diamantidis
And look, I’m betting that you will have seen a lot of businesses go through this process. I’m betting that there are some that struggle initially or you know, struggled to take it on or others that really swing through Is there anything you see them either doing beforehand or that they prepare well, when they take on mock so that sort of really gets at home? Going and moving.

Nikhita Iyar
So I would say in our experience, the number one thing that we’ve seen with customers who are very successful off the bat, is tying the use of Moxo to a specific process with external parties. So what I mean by that is, you know, and when, when I would see customers in the past, there’d be some customers who’d say, Well, this is so great, you know, I saw this amazing demo. Now, what do I do? How do I get started? Well see, you can message me here. And they’ll tell their end customer that. Now if I’m an end customer, or I’m a, let’s say, a very large business, in many cases, like I’ve said, our customers, it’s a business to business situation. So it’s another business you’re trying to convince to use this platform. And sure it’s under their brand. But if you position it as, hey, you can message me, that’s also not accurate to the value that customer will get. So all the customers that said, I’m looking at it from the perspective of I have this specific process, I’m running, I’m running an onboarding process, or when I’m managing these client accounts, they’re these processes that have to run on a quarterly basis, or I need to collect these humans. This is how I do it today. And I’m looking to reduce the amount of time increase efficiency and spend during that process. Well, how can we map that to the solution, and I find that it just grows organically from there, once you see one process in action, then you see the value of it. And the metrics speak for themselves. So when you do one, I’ve seen businesses and no time running 510 15, and then they need to move process after process there. But when you don’t tie it to a process, then you lose the value of a lot what the solution is not designed for in the first place.

Peita Diamantidis
Yeah, look, it’s a really interesting point, because I know for us, we sort of, were a bit betwixt in between, initially, because we didn’t do that we didn’t go, alright, this is the thing that we’re going to do, or take them through or the purpose initially. And once we’ve just recently started doing that, it’s all flowing, you know, we’ve realized that the team are getting excited about it, because they can see the value. And of course, that’s your first hurdle, right is convincing your team to use the new tech, even before the consumer, or the end user, you’ve got to convince your team and they’ve got to see value to

Nikhita Iyar
totally and I think one thing that we’ve seen a lot of our our customers do, because we have, you know, small one person, realtor firms, right, or they’re two people working on a wedding planning business, we have a small, you know, plastic surgery clinic, for example, all the way to a financial firm a family office, a legal advisory services, firm corporate banking. So our use cases and our size of businesses range from, you know, 10 users to say 5 million that one was this. And the one thing I’d say across the board is, every single one of them have have shown their internal users what the value is. And in a way, the value speaks for itself when you’re able to tie it to a process. Part of why tying it to a process is so important. And I specifically say a process with your external parties, because the user who’s managing the relationship with the external parties, immediately sees how it benefits them. How does it help me in my day to day life? Better take care of my customers? And how does it make my life easier? Those who don’t care about you to the customer, you would ideally hope that they do. But there are obviously cases where the answer is I’ve been doing it my way for a long time, why should I change? And the thing is, you know, if your customer drives the interaction, you will want to be where your customer is. But let me also show you why it benefits you and how it makes your life easier.

Peita Diamantidis
Yeah, absolutely. And there’s lots of things that I mean, we’ve touched on a few things, but you know, digital signatures in the app, even I liked the idea of a difference between an approval and a signature. So it might be the client saying, Yep, I’m good with that. Go ahead. They don’t need to sign anything. It’s not that formal, but it’s just giving it a go. Or even, there was an interesting one I picked up and we’ve started debating how we might use it was an acknowledgment. So it’s merely saying, Yep, seen it. You know, like, I quite liked that, because there’s that mystery, right? When you send an email out, it’s like, did they even get it? Have they seen it? Have a read it?

Nikhita Iyar
Thinking about it? Did it just go in black box of Oblivion, and we have no clue where it is and what you’re thinking? Yeah, correct. You’re absolutely right. It’s structured around this idea of these are small, but such powerful action that If only someone could know, you know, it makes a process move that much more seamlessly, right. And it has such an impact on awareness and transparency. And I think from that perspective, you know, we continue to build this as actions like an exciting one. We’re launching this month I mentioned was the time booking experience where he was you just want to book a time, right? I mean, we had to reschedule and my schedule changed and I use your Calendly. Right. So it’s bringing that kind of experience in but where there’s multiple parties Use maybe there’s five people who need to connect on an onboarding. And man, I have gone through those back and forth on email, and just trying to find a time where everyone is available, and then someone’s assistant gets involved. There’s the wrong time set wrong time zones. I mean, just something like that is so powerful to be able to say step one is book, your consultation call. And these are parties and participants that need to be involved. And I’m just gonna automatically let the system show you all available times and you pick what’s convenient for you. Right? Yeah. Oh, all these individual utilities that we’re used to using, but built in house in a structured way for me to design it around my process and really be customized to my business workflow with my external users. It lends itself to being industry agnostic, process agnostic, and delivering a better experience across the board.

Peita Diamantidis
Yeah, absolutely. And I’m betting and it wouldn’t be initially, it would be the, I think it’d be the wrong thing to start with, to your point about, you know, attaching the on, you know, the initial use to a process, but, but you could, you know, there’s the opportunity to also send content out via the app. So, you know, if you’re actually interacting with your, your clients, you know, maybe you’ve got a newsletter or something like that, well, they’re probably reading that on their phone anyway. Right. So why not have it from within the replays you interact with them?

Nikhita Iyar
Yes. And being able to broadcast that out to users, right. And it still feels personalized, because in a way, I’m getting it in what looks like this text messaging experience, which immediately feels more personal than an immediate email inbox. But in reality, I could be sending this to, you know, 40 different people on my app. And right now everyone knows that this new offer we have coming out, and they felt like I personally reached out to that.

Peita Diamantidis
Yeah, absolutely. Let’s touch on security, because it’s clearly, I mean, we’re all, you know, constantly getting spammed and you know, hacking is now becoming a daily announcements. You know, it’s the latest institution that got hacked. So my understanding you guys have sort of a bank grade level security on Moxo, can you just talk us through sort of the, the understanding of that, and how that works?

Nikhita Iyar
Absolutely. I mean, we are sought to comply and MiFID to comply and GDPR compliant and you know, the list goes on. But I think a better thing to to share with you and our listeners today is our journey really started with our founder, selling WebEx, he was the founder of WebEx, which was, you know, very famous video meetings platform. He was the first investor in zoom. And his whole luck problem statement started with he sold his company to Cisco. And one of the issues he faced is using his banking apps with his advisory teams, and how painful it was to manage these processes. And because of security, oh, well, he can’t text them, you know, call these, wait on the phone, print this document login twice to get into a secure email portal where you have to download something, scan it, sign it. I mean, it’s, it’s, it’s actually awful when you look at some of these companies that are the creme de la creme in the industry, and the best experiences and so much money spent on their tech. But the actual customer experience is honestly pretty terrible. Right. So that’s where it started. And I think, you know, the concept was, well, this is applicable to any high touch interaction, it’s applicable to, you know, construction, and real estate and logistics and business advisory, there’s so many use cases, digital marketing, and our founder experiences in a lot of avenues of life. And that led to the conception of our product. But I think early on, we worked with the banking industry, one of our first customers that helped us really shape our thinking on how to approach security, was working with Citibank, and the very fact that we could deploy on premises. I mean, that was, that’s an immediate non starter for a lot of banks if you’re not able to do that. And then the fact that, hey, this data sits behind our firewalls, it’s within our infrastructure, and that option is there. But oh, by the way, you know, as a result, when you get your first one, and then five, and then 10, and then 20, and then 100, customers and financial services, if you crap the financial services, not, you can get into a lot of other industries, because the compliance and security regulations are so strict. So in a way, we came out from having these extremely strict standards, and almost having to open some of these things up for our other customers, right, where, no, they’re allowed to do more. And I think that experience really helped us design a product that is built for organizations where security is critical. But which organization doesn’t want privacy? Yeah, business in 99% of businesses out there don’t have the r&d department don’t have the knowledge on what to build. So being able to get something off the shelf that secure where I can customize it to my business and really differentiate myself in the market from my competitor. That’s pretty cool. Right? That’s exciting.

Peita Diamantidis
Yeah, absolutely. And it becomes an effect you’ll love. We’ve, we’ve we’ve named the app as it’s like a member of the team, you know, so it’s got a name. And when we talk about it, like it’s a human, and I’m even considering using the avatar thing in Canva, to create, like a talking avatar that will be kit, our app, you know, like, so it’s, we’re really doing it this human element. But the point of that is people feel more secure when it’s when it’s, when it’s its own entity. It’s not just via email, it’s a it’s a thing on your phone that’s specifically from you, you know, it’s, it’s like, it’s, it’s the backbone, you know, this is the backbone to our business.

Nikhita Iyar
Oh, totally. And if you look at a lot of other platforms, like let’s even just take our text messaging channels, you know, sometimes the problem is that almost feels too personal. When it’s in the context of visits, the beauty, I’d say the design point of mobile, I’d actually start there, the design point in mobile is very different than designing the solution for the desktop era, right? Because mobile, you have to think about the interface, the interface naturally lends itself to only having one thing open at a time, you can’t have five tabs like you can desktop. So when we design our solution, you know, we are, of course, platform agnostic, we’re available and a lot of businesses primarily use this on desktop, and then mobile is an adjunct, or an extension of the process. But you have to design around mobile behavior, which is seamless, streamlined, bite sized back and forth continuous on your time. You think what you think about that, and you think about this need for separation of services, that’s what the app does, right? When you go into your smartphone, you have your banking app, you have your email app, you have your Instagram app, you, you naturally have the separation of what type of processor what type of, let’s say activity you’re looking to do, just based on the way the phone is designed. But if you go into email, while now you have this flood of messages coming in, and you go into, it’s like, well, now how am I supposed to differentiate between my personal messages, my business messages, and people want that separation? You want it to feel personal, but you still need that level of separation and organization?

Peita Diamantidis
Yeah, absolutely. I completely agree. So the security is all there. It’s a given I know in Australia, you guys did I think the Bank of Queensland app as well. So it’s something you’re you’re already at that level. You know, it’s it’s not something we should be concerned about. But what about integration, so So things that I know that that’s evolving over time for Moxo but you’re, you’re certainly on Zapier, right so that things weren’t triggered between the app and external tools.

Nikhita Iyar
Yes, and in fact, our whole framework, which is we want to be the canvas for where that interaction happens, we’re not looking to necessarily say, hey, we’ll replace every system you have. But we’d like to take a lot of those back end systems, for example, your internal project management tools, or your CRM system, or your payment system, for example, or let’s say some larger companies are very tied to a certain e signature. And that’s already approved, for example, Docusign. So we built it a DocuSign connector, where they could just take a DocuSign action, plug it into their workspace, and boom, you’re still keeping that entire business flow within the workspace. And you’re seamlessly combining all those structured actions and unstructured interaction in one stop. So I think the beauty of designing a solution like that is, it’s all about continuing to build those connections. And in fact, we are working on launching right now a framework to connect to any third party app. So being able to plug in an action connect out to a third party bringing that data, and it can be a back and forth, you can really set it up any way you want. So something happens in Marketo, for example, push that data immediately to our CRM or a tracking system, compliance system, vice versa. So we have most organizations will have, let’s say, a specific file management service or a very specific booking service, something that’s specific to their use case. It’s very specialized. You know, legals a great example where there’s a document management solution for case files. And we’ll break with that so that somebody can easily pull those files, right. So it’s not about replacing it. But it’s also about creating that perfectly designed, seamless workflow. And one thing I tell you, here, we have our marketing team, let’s say, right, our marketing team runs our show calendar. Now, my team might be involved in three steps in booking a show on some of the designs and the collateral what we do for a talk, but there’s maybe 17 other steps that we’re not involved in. So imagine if I had to go in and learn their entire project management tool on the back end, Asana, let’s say, it’s great for them. But I’m the external user in that situation. I’m only balls on some of this. I don’t need to learn your entire back end software. The few things that I need to do and let me know when it’s my turn, and I can ask questions, I can see the history. Boo. So that’s the thinking when I say customer and client. Sometimes it’s department to department in large organizations because they operate look external businesses. And you only need to see a few actions and you need to bring in just the ones that are relevant to you. So absolutely our framework is integrate, bring in external systems and streamline the workflow and make it as seamless and easy as possible to present itself.

Peita Diamantidis
And it’s exciting to hear that because you know, like any industry, like you say, with everybody’s got those bespoke or unique or something that’s just because of your industry and what you need. And, and, wow, financial advice is deep in that, in fact, we’ve probably got more systems that are just for us than we have ones that people use that are outside of that, you know, we were only just getting used to all the others that are out there that everyone else uses, not the ones that are bespoke. So. So I think it’s exciting to be able to imagine them being able to talk to each other because there’s nothing more frustrating, you know, than having this sort of siloed tool that just doesn’t talk to anything else.

Nikhita Iyar
Yes. And it’s a nightmare. It just adds more work, then, yeah. Three systems. And I mean, we have companies, and especially the larger banks that will come to us and say, well, we bought three meeting solutions. And then we also have a bunch of licenses for this document solution. Well, who’s using what? Well, it’s all over the place. And we actually haven’t rolled out any of these. And we’re struggling, right. So that’s why I think when it all comes back to thinking about what those processes are, and Oh, that reminds me, I should mention, in some use cases, people will see it as a process. But it really is. So let’s take wealth management, you might run an onboarding process. But once that client is on boarded, you just see it as relationship management and advisory. But in reality, anytime the client comes to you and says I want to make a trade, or there’s a new investment opportunity, or you offer a new product to them, that’s a process. And there’s steps involved, right? Could be one step, it’d be 10 steps, but those are all processes as a part of your account management strategy.

Peita Diamantidis
Yeah. And also, I think, what when you start thinking that way, and it is new to lots of us, but when you start thinking in boxes and arrows, which is what a process is, then you realize how much say you’re whoever is the pointy end. So it might be the financial advisor might be your account manager, whoever it is, how much they’re doing that they probably shouldn’t be, right? Because they’re just taking on that interaction. And they’re handling things that could be all sorts of other members of the team that are wonderful at doing those tasks. And so it can really draw that out. When you start thinking in processes, you realize that your account manager, your financial adviser could be doing far more, because they’re taking on other things they shouldn’t be?

Nikhita Iyar
Absolutely. And we saw that with Citibank and five, when they rolled up a solution, they immediately saw their advisor, productivity doubled, they were able to do and conduct, you know, more business and less time. So you could argue the same amount of time they were handling double the customers, because you’re not wasting time on these menial kind of back end work tasks that actually many times the system can handle or if it’s important, a human being in another role can handle it. And you can hand that off immediately. And step right back in where needed.

Peita Diamantidis
Yeah, yeah, absolutely. And so talk to me about, I mean, you will have seen a lot of people do some really cool things with the app, you know, what, what’s the what are some features or elements of the tool that, that you feel like has some great juice, but somebody’s done something wonderful with but others maybe don’t realize is they’re like, they’ve just got creative, or they’ve really tapped onto some value, they could, you know, by implementing that particular feature.

Nikhita Iyar
So one thing I’d actually say is, in a way, we’ve built this whole Flow Builder experience, so where you can really customize your own workflow up till we had that sometimes people would miss the level of power that all these actions had, because they didn’t realize they were even available. And in a way, Flow Builder has made it obvious that you can really customize this to your process. And oh, by the way, if you don’t know your process, you can continually add actions on the go. And I think that’s been pretty powerful, where some users figure that out before others now it’s obvious. So you know, anyone who starts can see that front and center. So I think that was a big one. Another interesting one, I’d say is also the backend management and reporting. That’s not something that’s, you know, obvious to everybody. But a large part of this is we hold a lot of data, right? There’s so much that you get, and we had a customer who said because of how well organized this was we were audited by the IRS and the IRS said, We’ve never seen somebody so well organized. Every record is there. Right? We had a dressmaker who said, you know, we get clients who ordered a dress nine months ago, and they come back and say, I never asked for this piece on here. So I’m not paying for it. And she says, Well, you did because it’s in the conversation and I have the audit record. So I think some good summers that I have not even expected I mean you expect it in banking and financial services, but in the small businesses industries to be able to say two years ago you said and and it’s shown me that I can clearly track that and have a great record. Well, it’s it really helps businesses manage It’s their organization at a deeper level. Right? So I’d say salutely. Yeah, that’s it. That’s a great one.

Peita Diamantidis
And I think, you know, for all of us in our when we think about financial advice, and all of us in our, in our sort of relationships, financial advice is becoming more and more about family interaction as well. So, you know, I mean, firmly in Gen X, and for most Gen X’s, what we’re all dealing with now, is our parents getting older and how they’re going to cope with that, and where, you know, where are they going to leave, and how’s the health, like, there’s all these elements pulling, pulling and pushing people and so to be able to have conversations that draw in even the right parties of the family, and let them take part in that conversation. Like, that becomes really powerful, when you’ve got one place that can happen. And you can sort of coordinate that really easily. Whereas trying to see see them on this and, and make sure you know who’s Oh, which son should be involved in, you know, that stuff just becomes a disaster. Whereas having an easy way to, to bring them into a part of the interaction doesn’t have to be all of it could just be this particular project? I think that can bring some real, you can be the connector, you know?

Nikhita Iyar
Oh, absolutely. I think we’re all used to the family group chat, right? That’s the one. Most people I talk to you say they’re part of some family group thread or thread with some some members, and oh, man, they’re constantly getting messages. And so I always say this, my 8085 plus year old grandmother at this point uses WhatsApp, right? Like she knows how to send a message on there. These are simple things that you’d be surprised how many people even 65 Plus, actually are some of the top users also, especially in financial services, they find it really natural and easy. But yeah, you’re right, the young, you know, 20 year old or 25 year old, learning about, you know, their parents processes and what they’re going to be taking over and how to manage things can hop right in and find that this sort of a platform is naturally the way they’ve lived most of their life. There used to live for all ends of the spectrum.

Peita Diamantidis
Yeah, absolutely. Now, talk to me about what’s on the development path. You know, what are you guys got it? There’s probably some things like you said, that are coming up soon. But I’m curious also, to hear a bit about the blue sky. You know, what’s what’s a bit further out there that you guys are chasing to bring to Moxo?

Nikhita Iyar
Totally. So I’m, I’m going to share a few things we’re working on. One is, of course, that external framework, I talked about where you can bring in any third party. Yeah, that’s huge. Yeah, anybody in any customer can see I’m using this other platform, bringing the data and push it back out and set up, truly set up your process to match exactly every system you’re using and exactly what you want it to do. And honestly, really streamline it to the level. That’s, that’s perfect for your organization to maximize efficiency. So I see that that’s one huge thing we’re working on. Another big thing I’d say, is our framework approach to reporting. So we’ve been building out a number of deeper reporting functions. Like I said, there’s so much data in the platform, what do you do with it, right, the ability to actually take that data and provide more actionable insights to say, Well, based on these 10 processes, you’re running, you’re losing about X amount of time within this stuff. So things like that, that can really give you key insights on how to better run your business and where you need to, let’s say cut the fat or improve the process, or, Hey, as a team member slacking off, you can see this there’s this one person who seems to always take longer and certain tasks. Now you have that data, and it’s tangible. And it’s real, right? Yeah, another big thing that a lot of customers requested from us that we actually are going live with this weekend, is the ability to support fillable PDF forms. So when you’re signing a document, you know, and you’ve got this PDF there with a bunch of data to fill, you don’t have to go in and manually set up each of those fields, we will automatically detect that that field is available there, set them up for you. And that becomes a form at any sign ready for you to fill out in an instant. And the system takes care of that for you. So there’s which now

Peita Diamantidis
is, it is but it’s exciting. And I’m with you the the ability to sort of plug and play with with anything that’s really exciting. And it’s, and it will mean that that because what happens, we take riders, you’ll find something great, but then it just doesn’t quite play well with others, you know, and it becomes hard to make a policy whereas if this if if Moxo becomes a bit of a hub, and then other things can talk into it, you know, what a difference that could make to the service that you could or the the process and the experience you could deliver to the end user.

Nikhita Iyar
Yeah, and one thing I that that got me thinking that I should mention is we’re and I talked a little earlier about our interpretation of AI and where we see it playing into any consultative business service, right, where there’s a knowledge worker and there’s some level of interaction required. I think for us, like I said, it’s about assisting In that knowledge worker and streamlining the process by using technology to deliver guided interaction, so we like to call the workspace almost like a Guided Self Service experience where you’re guided through what you can interact on the fly. So really, it’s up to you. And the system, you know, takes you through that process. So from that standpoint, something we’re developing is more automations. So let’s say a certain action is completed in one workspace, maybe that process needs to kick off another process, or kick off something else happening. So you could, you know, it could be something like sending a message in another workspace or you complete one flow, it kicks off another, it automatically copies a file to another place or schedules a meeting. So there’s a lot of these types of things we’re working on. So to again, further remove that manual work, a use intelligence in a way where you can cut out those steps in the process that the system can take care of for you.

Peita Diamantidis
Yeah, and I think it’s an interesting thing with when I’m sure you’re the same we talked about before we hit record that, that we’re sort of night people. So we get, you know, great work done at night. And one of the challenges when you’re like that is, you know, the the businesses you might interact with, and I mean, even personally, that you need to get things done on aren’t awake, right? You’re getting things done, and they’re not awake until you send off emails, and you do whatever. I’m curious about what you guys are thinking about doing now out of hours, somebody, a client leaves a message in mock. So whether there’s an element of some of that AI chat that could occur for out of hours, when there isn’t somebody around to answer some questions, whether it could point the client to some information that might get them partway, or even give them a heads up about the information that person might need when they do come online. Is there any of those sort of thoughts that you guys are sort of, you know, I guess, brainstorming on?

Nikhita Iyar
Yeah, I’d say today, we’re in the exploration stages, I think we, with companies where they have their own bot framework, and so we’ll integrate with what they have, we have the framework that within our product, but we’re looking and exploring at what we build in house in a way. Because again, like you said, today, we have the ability to set out of office hours and things like that, but how do you take it a step further and guide the client maybe towards the right help source that they need, or maybe them towards something as a result of the type of query they have? That’s something where I’d say in the exploration stages. And,

Peita Diamantidis
yeah, and it’s an interesting, I mean, we’ve even got to the point of having, you know, just some materials that will help people sort of self serve a little, just so that they can make some progress. And then when we, you know, get back in touch, then they’re a little further along, and they feel like they’ve managed to take some action and almost take something off their list, you know, it’s about them feeling good about taking, you know, some to dues that they’ve hanging over their head and getting them done.

Nikhita Iyar
Well, it’s interesting, you say that, because something we’re working on is having this idea of filing a service request. So basically, it’s almost like choosing from a menu of options. Let’s say the clients sending their different timezone, someone’s not available, but they need to get something done. And they have a request, they can file that request and have it automatically kick off a flow workspace, where it assigns the right people, it brings in the right parties. And that’s something a lot of businesses want. Because in a way, you could technically offer a menu of services, and someone can say this is the one I want and have the system kick off the service and direct the right actions to happen. So in a way, even if somebody’s not awake, and there’s 10 hours that passes before somebody gets back to them, they don’t feel like they’ve been left in the dark, they actually already have a response. Because a number of things have happened and in the process has started.

Peita Diamantidis
And it’s got off their plate onto somebody else’s. You know, that’s that’s what the client needs to feel like. Yes, it’s been submitted, I know that they’ll get to it not. I’m not sure do I need to follow up, do I, you know, it’s, it’s the vagueness of the problem letting them offload? So and you can inaction that I I don’t necessarily believe every business needs to be 24/7. And I think that would be crazy making a list. However, however, having something that lets people take some action in their own time, I think can be quite powerful.

Nikhita Iyar
I couldn’t agree more. And I think we we’ve taught that question in the past, you know, not not nowadays that we used to get the question when our before our flow workspace was built, where we made it obvious, you know, what the solution is built for? We get the question of people now expect me to respond 24 hours a day? And their responses? No, because it’s the same way. Are you expected to respond to email or text messages? 24 hours a day? No, but actually, when you bring it into your personal channels, you are in a way because it feels like it’s reaching you personally. But when it’s in this, you know, form factor of what I like to think of as a continuous meeting. Then technically, you respond in and out as you want. But the system itself and the way it’s designed makes the users involved feel like they’re interacting with someone in the process, right. It’s on my time and your time. It’s but it’s continuous in a way.

Peita Diamantidis
Yeah. Yeah. Perfect. Is there anything else we’ve missed? I feel like we’ve covered a lot of Little elements of the aisle one thing we haven’t covered, actually, that that I found quite funny is, is you end up with your own app, you know, so you do end up with your business’s, you know, an app that sits on the App Store and things like that. So that’s, that’s exciting. And it can be branded to you. And once again, is another way of making this like, you know, the Batphone to your business. It makes it very personal. It’s not just them logging into text messages or email, this is them talking to you specifically.

Nikhita Iyar
Yeah, and I’m almost sad. I forgot to mention that till now. But you know, in a way, that’s, it’s an innate value. And it’s really our design point. Again, it’s not about Moxo, but it’s about your business. And I think when you tell customers or vendors or partners, right, whoever is in that role of the external party, you tell your external users to use a third party application, that’s always difficult, versus saying, it’s my business’s solution. It’s my workspace, it’s under my brand. That’s powerful. And a lot of times, it costs a ton of money to build an app. I mean, I’ve seen so many businesses we’ve talked to in the past that tried to be mobile, first, a, they spent, you know, I take upwards of 50 60k, and it’s a lot of money, and they get lap prevents stagnant content, and you can barely do anything on the app. And it’s painful. So knowing what to build, how to build it, and having that association that it’s under your brand. So from a security and compliance perspective, of course, that’s great. But the second thing is from a marketing perspective and an adoption perspective, being able to send out this workspace and say, Hey, we’re gonna run this process under my app. And oh, by the way, it’s all branded. It’s truly my space, it speaks for itself. You don’t even have to tell your customers that, and it sets your organization apart.

Peita Diamantidis
Yeah. Yeah, absolutely. Oh, exciting. I feel like a covered loss. Is there any last things you wanted to leave the audience with?

Nikhita Iyar
Well, I would just say, I think, when adopting new technology and thinking about what tech to buy, and why, right, and especially in the advice, tech side, that means you are running some type of consultative process, your business has some consultation in there, it’s not completely self service, you’re not, you know, ordering food or calling a car. So human interaction is involved, I’d say be clear on the process you’re running, look at how you’re running it today. And tie that process to the technology you’re purchasing and make sure it solves for those gaps in the process. Because otherwise, you can end up with a large tech stack, and, you know, not not enough, or why to demonstrate what that tech is doing to really help your business. And it’s expensive for most businesses out there. I mean, we see this even for the large businesses, they want to build it themselves. They’ll spend, you know millions of dollars and still not know what to build, and not see any increase in user adoption or retention. So it’s really important to tie the the use of new technology to a specific purpose. And then like we say it Moxo specific process with those external users. And that’s going to, that’s what’s going to differentiate your organization from another indie in the end of the day of how lean and efficient you can be. And then the end of the day, it’s about increasing your retention and impacting your churn numbers and reducing them.

Peita Diamantidis
Yeah, yeah, absolutely. Absolutely. All right, advice explorers. If you’d like to find out more about MCSA, then the website link is in the show notes. And I’ll include the appropriate LinkedIn details for the Australian representative, rather than Nikita herself or for the Australian representative of Naxos so that they can get you set up and talking. And now I can talk you through your use case. Thank you so much for joining us here today. And really sharing how Moxo can help us take our client experience to the next level.

Nikhita Iyar
Thank you so much, I had such a great time here and look forward to connecting again.

Peita Diamantidis
So I’m betting you probably not a current user of luck. So this is probably new to many of you. There’ll be a handful. Maybe you’ve done some digging, and heard it mentioned maybe even by myself at a session but I’m curious what your what they prompted for, you know what, what got you thinking, what got you debating what you should be doing about the way we interact with clients. It may not be you choose something like Moxo, but thinking about client portals, apps, the way we interact, where they live, how that works. You know, it’s a great debate to have. And so please share your insights on the ensemble community platform. And let’s get that debate going and get more of us thinking a bit creatively, creatively. Oh, that’s a hard word to say creatively. There we go. Oh, my goodness. It’s Friday, folks. I’m recording this on a Friday off way through the day. It’s getting tough. So thank you for your patience. But either way, get on the community and let’s talk about this. Let’s get He’s moving. So we can really lift our game in terms of, you know, our client experience. Now, in terms of my thoughts on this, there’s a couple of things that I just wanted to highlight. Now, I should confess that, that for our business, we’re going down the path for implementing MCSA. And so I’m a little further ahead than you might be on these thoughts. But, you know, people sort of I’ve had people pull me up a couple of times the same when you say, you know, that email isn’t secure, and a portal is better, why is it better? You know, what, what’s the difference? And clearly, you know, bank grade security, all that sort of thing sound great, and that absolutely lifts the security. But there’s something else that’s about behavior and location that I think’s an important point. Email is a bit like you were running your business in a food in a busy food court, right, you might be sitting at a table with your client, and you’re having a conversation. But there’ll be all sorts of people coming in and out that out of that food court, and you have no way of controlling that. Right, they’re coming in and out, they’re doing their thing they’re walking past, they’re chatting away and potentially can overhear. Now, that’s sort of how email works, because anybody can have your email address, anybody can have your clients email address, right. And so there’s an opportunity for them to walk into that food court, proverbially speaking and, and witness an interaction or essentially hack into that conversation. So, you know, that is the challenge, because, of course, we wouldn’t have our client meetings based in a food court, that was busy and people all around and, and chatting and potentially could overhear the personal details where we’re discussing with the client. So so that’s sort of in my head, that’s the picture I have for email. Whereas a portal like this, that’s your app, the client needs to be told about to know to download it, and then they’re going to interact with you, personally. And only then through that portal. This is like the private club where nobody knows it exists, right? So they’ve got to know it exists, they go down that laneway, there’s a big burly dude at the door in front of a single door to echecks you out, you’ve got another secret handshake, they let you in. And when you go in the door, it’s just you and the client, right? So if this isn’t full of people that isn’t full of everybody else, that’s you and the client, maybe your team and the client, right? It’s the VIP solo club, right. And that’s the portal, that’s the difference, it’s quite a different way to interact. And it’s just with your team, right, and it’s particularly narrow and private. So that’s the sort of the difference I wanted to highlight, that is a shift in the way people behave and the way they interact, and hence the risk that they are exposed to. I love Nikita is in analogy there too. And she’s like, Oh, we’re all used to the family group chat. Right. And we so are, I mean, I’m sure every one of us has got at least one of those, or even a family friend chat. You know, I started a friend group chat, you know, we’ve all got those things. But how interesting is, is that as a concept, when we think about the massive intergenerational wealth transfer that’s coming, and the fact that many of us are going to need to be that connective tissue between the different, you know, layers or generations of a family, and we’re keen to be that connective tissue, then having a tool that lets and in fact, encourages you to bring in elements of the family for certain projects you’re working on for that client, or certain discussions, or debates or in you know, information or whatever it might be having something that really facilitates that easily, and sets you apart as being ready to do that in a simple and, you know, easy to use fashion. I mean, wow, that’s, that’s a differentiator, you know, that’s going to set you up to be ready for that transfer and ready for your clients to want to involve their family and want to, you know, share what they’re doing with them, but maybe not all they’re doing, you know, and so you can say, Look, that’s alright, this particular conversation we want to have, let’s fold them in, right, and they can see the chat, they can interact, they can see the documents, but they won’t see everything else, you know, these things, these tools really powerful. My belief is so the last thing I do want to just mention, when you’re talking about technology, and you’re talking about technology for clients, and every portal provider in our market ever anybody that’s ever built anything for clients gets this pushback, which is well, but all the clients won’t use it.

Oh, but they’re not tech savvy, you know, and I get it. We’ve all got different levels of tech curiosity and interest. The thing is, the only requirement for somebody to be able to use an app is that they have a smartphone. So if you think about your family members, just as an example, your only older family members, do they have a smartphone? The answer is yes. Then they are able to use an app and I make that distinguish. I point that out because I think we can get in our heads bout imagining how tech savvy they are around, when in reality, they’ve been forced to be by the world around them to a certain extent, everybody had to learn or almost everybody had to learn how to use QR codes through lock downs, right? So. So there’s an element that with some care, and some help from your team, anybody can use these apps because they’ve got a smartphone. Now, the other thing is, and this was an accidental discovery by us, when we were talking about this with clients is that the older clients potentially have less apps on their smartphone. So you know, if you were to come to me and say, Peter, I need you to download this app I like yeah, no problem. However, when I go to download the app, it goes like four screens in to my phone, right? So you’ve got swipe, swipe, swipe, swipe, swipe, to get to the app. Whereas an old an older client who perhaps doesn’t have anywhere near the number of of apps on their phone, you’re going to be on prime real estate, that new app, that new portal that they talk to you on is probably going to be on the homescreen. You know, that’s powerful. You know, that’s a big deal to be on that real estate for when they turn the phone on. There you are again, they can see you right there. Right. So I think we’ve we probably need to shift our mindset a little with all the clients certainly be understanding and helpful in terms of teaching them how to use these tools. But while I think we’re probably treating them with a little less respect in terms of their ability to do these things than we can, I think they’re more than capable, we’ve just got to approach it the right way. So now, as you know, there’s only one skill, we need to become bionic advisors, folks, and I’m hoping you all want to be bionic advisors, that wonderful combination of human and, you know, empathetic advisor, powered by wonderful technology, right. And we know that this one skill we need as bionic advisors is simply avid curiosity. So each week, as you know, to help you build that app app, you know, in the curiosity corner part, we take a look at a particular website or tool out there now this week, the website I’d love for you to take a look at is air pano.com. That’s ai rpano.com. Now, this particular one is for you personally, this is this is my gift to you as a bit of an energy boost as a bit of a feeling you know your soul and and your enthusiasm to get you going in life and really enjoying things because EPA know features hundreds of high resolution aerial 360 degree photos and videos of the most scenic locations around the world. Right so all the places you’ve never got to yet that maybe you’ve wanted to a whole lot that you may be never realized was so stunning and, and incredible and fascinating and, and something that really drives you all I want to get out and travel and just fill the bucket again. airpano is the place to go to sort of get that energy and really drive yourself to book that next trip or maybe even the next overseas conference that you tack the trip onto. I guess, you know, I want to suggest this because hey, is it advice tech? No, this is about inspiration. This is about using some technology to really drive us and energizes, you know, we need to feed our inner Explorer, you know, and keep heading places to the list of sort of future traveling adventures we’re going to have. But fair warning, this is one of those sites that could potentially devour hours once you dive in. So I would recommend the first look that you take it this is more like you know, on the couch, you’re chilling, and you just check it out. Because you could be there for quite some time, you’re probably going to want to turn your iPad or your phone to your partner and say, Oh, look at this, we need to go there, right. So don’t do it in work hours. Check it out out of hours. But I’d love to hear what caught your eye. And if you suddenly have planned a whole lot of trips, having gone to the website. Well, that’s all we’ve got for this week, be sure to subscribe to the podcast. So you’ll get your advice, tech fix automatically sent to you each Friday. And if you are stuck in a rut on your sort of process and tech projects going forward, you feel a need to really step back and block out a day, maybe later on in the year for some planning for 2024. I mean, can you believe it already, we’re already three quarters of the way through the year, you might be thinking, hey, I want to get everybody you know, in one place for a day and and really just get ourselves you know, set and organize for 2024 Then I’d love to facilitate a brainstorming session for your team. We can draw out the next best projects for the business. We can debate what tech might assist with that, and then get them all innovating together as a group. I’m in fact already taking bookings for late October and November. So we’re getting sort of booked up. But if you’re curious and you just want to have a chat about it and find out what that might involve then please reach out to me on LinkedIn forward slash P e i t A MD And we can certainly have a chat otherwise I’ll look forward to turning up in your earbuds next week and remember advice explores: Stay curious.