"It's not that the models aren't smart enough. It's that it's actually hard to give the models all the context you need, to get them to do the things you want."
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David believes the industry is still in its Blockbuster era, with most of the world's banking still running through branches and incumbent banks, and that AI will make digital banks dramatically more efficient than the incumbents they compete with.
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Middle managers were increasingly turning to using AI instead of interns, cuz it it does the work and doesn't cry, right? And so, as a result, you saw this loop where nobody was learning the sort of entry skills before.
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About 50% of American workers use AI. They report, by the way, three times productivity gains on the tasks they use AI for. They're just not giving that to companies, right? Because why would you? Like you're worried you'll get fired if AI shows you that you're more efficient.
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