WEBVTT - Banking Black is now easier than ever w/ Ryan Glover FLASHBACK 0:00:00.240 --> 0:00:03.520 Afro Tech is back in Austin, Texas this November is 0:00:03.560 --> 0:00:06.160 the place for all things black, tech and web three. 0:00:06.280 --> 0:00:09.360 The in person afro Tech conference experience is bridging the 0:00:09.360 --> 0:00:14.840 worlds of afro technologists, innovators, investors, corporations, musicians, and everyone 0:00:14.880 --> 0:00:17.520 in between. So pull up, grab your crew, and grab 0:00:17.520 --> 0:00:20.360 your tickets and join this at the largest black professional 0:00:20.400 --> 0:00:23.720 conference of the gear. This experienced the afro Tech Dot 0:00:23.720 --> 0:00:26.439 count to learn more. So as I speak, I am 0:00:26.520 --> 0:00:30.960 in Los Angeles, just wrapping up afro Tech Executive Los 0:00:30.960 --> 0:00:35.600 Angeles two and it's been a full day, a remarkable 0:00:35.720 --> 0:00:38.800 day of just a snippet of what we are really 0:00:38.880 --> 0:00:43.400 gonna experience in Austin this November. So afro Tech Executive, 0:00:43.479 --> 0:00:48.720 it's like this special conference where c suite executives, startup founders, 0:00:48.800 --> 0:00:52.199 venture capitalists and more, just people on the rise in 0:00:52.240 --> 0:00:56.520 their career converge upon the city. We've done this in Miami, 0:00:56.560 --> 0:00:59.120 We've been to d C, We've been to Brooklyn, We've 0:00:59.120 --> 0:01:01.920 been in l A. We've been all over and this 0:01:02.040 --> 0:01:04.760 group of people are really who are behind the scenes 0:01:04.800 --> 0:01:08.520 making these things happen. And so it is a snapshot 0:01:08.600 --> 0:01:11.600 of what you will experience at the Big Afro Tech 0:01:11.640 --> 0:01:16.839 conference in Austin this November. So I am like wiped out. 0:01:16.920 --> 0:01:20.399 I am I've had a remarkable day with my people. 0:01:21.200 --> 0:01:25.080 We had a remarkable comedy show this this evening, and 0:01:25.120 --> 0:01:28.760 so I'm I am over the moon excited about the 0:01:28.800 --> 0:01:33.080 future because I know whose hands is in hey. So 0:01:33.240 --> 0:01:35.760 let's let's take out this flashback of my conversation with 0:01:35.840 --> 0:01:42.000 Ryan Glover, who's co founder at Greenwood Bank Afro Tech World. 0:01:43.840 --> 0:01:46.920 Gilly the King and social media influencer and disruptor wallow 0:01:46.959 --> 0:01:49.200 to six seven are the host of The Million Dollars 0:01:49.200 --> 0:01:51.800 Worth The Gang Show, a weekly podcast which is the 0:01:51.800 --> 0:01:56.000 perfect blend of discussing music, real life issues, personal experiences 0:01:56.240 --> 0:02:00.200 on its advice in comedy, and our interview at Afrock. 0:02:00.440 --> 0:02:02.480 I ask Gilly his thoughts on how we as black 0:02:02.520 --> 0:02:06.560 people in business can stand confident about our value, our perspective, 0:02:06.920 --> 0:02:10.400 our sauce when it's being challenged or not respected at 0:02:10.440 --> 0:02:13.520 a premium. Number One, you gotta believe in what you're doing, 0:02:13.680 --> 0:02:15.880 you know what I'm saying. That's number one. So if 0:02:15.919 --> 0:02:18.720 you if you're being innovative and you being creative, and 0:02:19.080 --> 0:02:24.000 you you know in your mind that this is what 0:02:24.040 --> 0:02:26.160 I feel is gonna be the next ship. You gotta 0:02:26.240 --> 0:02:29.680 roll with that. I would never devalue myself, but but 0:02:30.280 --> 0:02:32.960 nothing you feel what I'm saying. I know what I'm worth, 0:02:33.360 --> 0:02:38.240 even even back when I was doing um record deals. 0:02:38.880 --> 0:02:42.320 You know, I flew down the suave house. You know 0:02:42.600 --> 0:02:45.959 Tony Draper, you know, the really CEO that I ever 0:02:46.040 --> 0:02:48.280 met in my life. Shout out to Tony Draper. But 0:02:48.400 --> 0:02:52.840 he tried to do the ceo wine and die Rapper 0:02:52.919 --> 0:02:55.720 ship to me. We got down there, We well up 0:02:55.760 --> 0:02:58.160 to the gate. I never seen no house like this 0:02:58.240 --> 0:03:01.320 in my life. Gates open up. He got the range 0:03:01.480 --> 0:03:06.919 over a viper with the zipper windows and bad leads, 0:03:06.919 --> 0:03:09.400 all kinds of ship. You know what I mean. I 0:03:09.520 --> 0:03:12.360 go in the drive. We we bust. I'm talking now business. 0:03:12.360 --> 0:03:17.280 I'm down there two old days. I'm meeting superstars. I'm 0:03:17.280 --> 0:03:21.799 playing two and two against Jacket Edge. You. I'm gonnaigga 0:03:21.800 --> 0:03:25.280 straight from Nord Philly. Yeah eyes, why I like this? 0:03:26.720 --> 0:03:29.960 The artist pulling up, his artists pulling up. That's already 0:03:30.000 --> 0:03:32.519 going eight more pull up. He and the big body, 0:03:32.760 --> 0:03:36.040 five hundred fans m j T pull up me in 0:03:36.120 --> 0:03:39.520 the old school. I'm like, God, damn, these niggas doing it. 0:03:39.840 --> 0:03:42.240 Next day, Yes, big ball, pull up here and some 0:03:42.240 --> 0:03:45.400 something different. I'm like, damn, when it was time to 0:03:45.440 --> 0:03:48.520 talk that business, don't want now the value ain't going on. 0:03:48.680 --> 0:03:50.960 This is what I wanted, he said. I ain't never 0:03:50.960 --> 0:03:53.080 gave a deal out that big in my life. I said, well, 0:03:53.160 --> 0:03:55.280 it was nice meeting your drink, but I'm going back 0:03:55.320 --> 0:03:58.280 to silly and he said, uh, you know what. I 0:03:58.360 --> 0:04:03.480 like that. I like that you got that. So it 0:04:03.680 --> 0:04:08.160 was just me believing in myself. You feel what I'm 0:04:08.200 --> 0:04:11.560 saying and believing it because sometimes you get around these 0:04:11.640 --> 0:04:14.120 companies and the motherfuck have been and playing longer than you, 0:04:14.560 --> 0:04:19.400 and they are you doubting yourself. Mhm No, I don't 0:04:19.440 --> 0:04:22.960 think it's supposed to go like that, because uh, then 0:04:23.080 --> 0:04:27.000 you were doing the same ship says eighty one. It's 0:04:27.160 --> 0:04:33.400 Tom I'm with Lucas and this is black tech, Green money. 0:04:34.080 --> 0:04:35.920 I'm gonna enter this. You to some of the biggest names, 0:04:36.160 --> 0:04:39.520 some of the brightest minds and brilliant ideas. If you're 0:04:39.560 --> 0:04:42.200 black and building or simply using tech to secure your bank, 0:04:42.680 --> 0:04:50.360 this podcast is for you. Ryan Glover is co founder 0:04:50.400 --> 0:04:53.040 and chairman at Greenwood Bank, the new digital bank he's 0:04:53.080 --> 0:04:56.320 building with Michael Render, a KA rapper, Killing Mike Ambassador, 0:04:56.360 --> 0:05:00.800 Andrew Young, and serial tech entrepreneur Paul Judge. Greenwoods mission 0:05:00.839 --> 0:05:02.800 is to help Blacks and Latinos take control of the 0:05:02.960 --> 0:05:07.440 financial destiny and build generational wealth. Previous degree with Bank, 0:05:07.600 --> 0:05:10.400 Ryan was in the music business as co founder of Noontime, 0:05:10.560 --> 0:05:13.440 the music publishing and management company which represented people like 0:05:13.600 --> 0:05:17.120 Jazzy Faye, Sierra Grammy, and war When He producer Brian 0:05:17.160 --> 0:05:20.520 Michael Cox and others. He's also founder of bound CV, 0:05:20.920 --> 0:05:24.320 the national cable network, and the Restaurant in Atlanta Agency. 0:05:25.120 --> 0:05:27.960 Ryan got his career jump started at Howard alongside Puff 0:05:28.000 --> 0:05:30.120 Daddy and Cassine Read, who would go on to be 0:05:30.240 --> 0:05:33.640 the Mayor of Atlanta. As a student, Cassine Read compelled 0:05:33.760 --> 0:05:36.679 Ryan to produce a hip hop concert for homecoming weekend. 0:05:37.320 --> 0:05:39.400 Of all the people who could have produced that concert 0:05:39.440 --> 0:05:42.400 would set off his stellar career. I wonder why Ryan 0:05:42.600 --> 0:05:46.240 was recruited, what made him so special all those years ago. 0:05:46.680 --> 0:05:53.040 So I've always been well, I've always been excited about 0:05:53.960 --> 0:05:59.800 the entertainment industry, right, But I can't rap, sing, dance 0:06:00.440 --> 0:06:03.880 my way out of a paperbag. Right, So I've always 0:06:04.000 --> 0:06:11.400 been excited about entertainment, but from a business perspective. Um So, 0:06:12.000 --> 0:06:15.560 So back then on the on campus, you know, I 0:06:15.680 --> 0:06:20.680 saw the energy that was being created not just on 0:06:20.920 --> 0:06:25.880 our campus, but the musical energy that existed clearly in 0:06:25.960 --> 0:06:30.080 New York, clearly in California where I was from, where 0:06:30.080 --> 0:06:34.680 I'm from, and Atlanta, and I thought it would be 0:06:34.920 --> 0:06:40.680 an amazing idea will to bring that energy to Washington, 0:06:40.839 --> 0:06:45.240 d C. And to on to Howard's campus, right amidst 0:06:45.720 --> 0:06:50.320 the wonderful culture of the of the go go experience 0:06:50.640 --> 0:06:53.720 that existed in in d C. So it's almost like 0:06:53.880 --> 0:06:58.240 gumbo that was being created right there on on Howard's campus. 0:06:58.600 --> 0:07:04.440 And I tell you this, you know, being all at 0:07:04.560 --> 0:07:12.880 Howard during those times was an incredible education, right. You know. 0:07:13.200 --> 0:07:18.640 Not only was I learning, will you know, scholastically, but 0:07:18.800 --> 0:07:24.840 I was also learning um other cultures really Michael, within 0:07:25.240 --> 0:07:30.920 my own culture, from individuals from different parts of the country, right, 0:07:31.400 --> 0:07:38.480 and built relationships, um with those individuals from Chicago, from 0:07:38.640 --> 0:07:44.400 New York, from d C, from Texas, and those relationships, 0:07:44.480 --> 0:07:49.080 as I tell my children today, are the relationships that 0:07:49.320 --> 0:07:56.720 have helped me become successful. Um. In life across multiple industries. Right. So, 0:07:57.440 --> 0:08:01.240 as you know, I went to how Our university, graduated 0:08:01.280 --> 0:08:07.000 from Howard, relocated to Atlanta, started a music and publishing 0:08:07.080 --> 0:08:13.160 company called Noontime. We made records at Noontime from everybody 0:08:13.720 --> 0:08:18.280 from Mary J. Blige to Aaliyah. We made records for 0:08:18.400 --> 0:08:25.560 puff Uh. We signed um Jeezy Noontime, we signed Sierra UM. 0:08:26.000 --> 0:08:31.920 But those relationships that we used to build that my 0:08:32.160 --> 0:08:38.319 first business, our first business I garnered on Howard's campus, right, 0:08:38.760 --> 0:08:42.679 So it was the relationships that I built, and it 0:08:42.880 --> 0:08:48.160 was also the ability to do business right from with 0:08:48.320 --> 0:08:51.719 the individuals that I that I met at Howard And 0:08:51.920 --> 0:08:57.079 that's really my foundation of of business and how I 0:08:57.240 --> 0:09:03.000 move UM into the future of of of Greenwood. There's 0:09:03.120 --> 0:09:05.959 so many young people who listen to this podcast and 0:09:06.040 --> 0:09:08.959 have dreams about being that front and center performer or 0:09:09.080 --> 0:09:11.839 the athlete or whatever. UM, and you said this, you know, 0:09:11.960 --> 0:09:14.360 I can't grap sing or dance whatever to say in 0:09:14.400 --> 0:09:17.840 my life. UM, in the pursuit of the business side 0:09:17.880 --> 0:09:20.640 of the entertainment industry A New Times where I met you, 0:09:20.880 --> 0:09:23.760 you know, so many years ago, feels like, UM, what 0:09:23.880 --> 0:09:28.000 did you realize about the economical difference between the performer 0:09:28.040 --> 0:09:30.480 who ultimately gets the bright lights and takes the selfies 0:09:30.559 --> 0:09:33.319 with fans versus the person who may walk into a 0:09:33.440 --> 0:09:38.199 room or go into a crowd undetected or unnoticed. So 0:09:38.840 --> 0:09:43.679 so on. On the economic side, um, let me just 0:09:43.800 --> 0:09:49.000 address address that. You know, it's lights, camera action, so 0:09:49.679 --> 0:09:56.679 so saving is always should be always at the forefront 0:09:57.200 --> 0:10:04.760 of anybody in entertainment or any other industries, uh frontal 0:10:04.840 --> 0:10:08.920 low in their thinking right because as we all know, 0:10:09.840 --> 0:10:16.560 in entertainment specifically, but just in life, nothing lasts forever. 0:10:17.640 --> 0:10:22.920 So so once you have that understanding that that you 0:10:23.000 --> 0:10:27.680 mentioned the right lights, at some point those lights will dim. 0:10:28.600 --> 0:10:31.800 I don't care if you are on stage or I 0:10:31.840 --> 0:10:36.040 don't care if you are backstage. Right, there is always 0:10:36.840 --> 0:10:42.319 someone who is gonna be a little more talented than 0:10:42.400 --> 0:10:46.320 you are, a little younger than you, a little faster 0:10:46.480 --> 0:10:50.680 than you. So you really have to look at your 0:10:50.760 --> 0:10:57.160 talent and understand will that that it's everything lass in 0:10:57.400 --> 0:11:02.599 chapters and in seasons. So you have to prepare yourself accordingly. 0:11:02.960 --> 0:11:06.559 You know, as a business person, you know I've been 0:11:06.640 --> 0:11:12.840 saying the art of recalibration is what can what allows 0:11:13.640 --> 0:11:16.599 you as a businessman to continue to grow. You know, 0:11:17.120 --> 0:11:22.080 I've been in in music, I've been in television and film. 0:11:22.720 --> 0:11:27.480 Now I am in uh in banking services and digital 0:11:27.520 --> 0:11:34.920 banking services industry. And you know, my recalibration has um 0:11:35.679 --> 0:11:42.280 allowed me to change industries. Right, But my strategies in 0:11:42.360 --> 0:11:48.360 the way I operate as a businessman remains consistent, and 0:11:48.679 --> 0:11:54.000 and that really starts with for me, trusting in God 0:11:54.480 --> 0:11:59.520 and putting God first with whatever I do right and 0:11:59.679 --> 0:12:04.000 then also doing the best that I can to treat 0:12:04.559 --> 0:12:09.680 people the way I want to be treated, um, whether 0:12:10.240 --> 0:12:14.079 they are on my side of the negotiating table or 0:12:14.200 --> 0:12:17.120 on the or whether they're on the opposite side of 0:12:17.200 --> 0:12:21.520 the table. A lot of times people will realize, you know, truly, 0:12:21.720 --> 0:12:26.120 honesty is really the best policy, whether you right, whether 0:12:26.280 --> 0:12:29.920 whether whether you want to. You'd say something to somebody 0:12:30.000 --> 0:12:32.439 that you think that they don't want to hear, and 0:12:32.559 --> 0:12:35.400 they might not want to hear it, but at the 0:12:35.600 --> 0:12:38.280 end of the day, if you're dealing with grown ups, 0:12:39.080 --> 0:12:43.480 grown ups will understand it and respect it, and then 0:12:43.600 --> 0:12:49.400 that will allow you no matter where your professional career 0:12:50.520 --> 0:12:54.400 journey takes you, will allow you to garner that same 0:12:54.520 --> 0:12:59.199 respect with that earlier individual or with the individual that 0:12:59.360 --> 0:13:02.080 you're a current be dealing with in that given time. 0:13:02.360 --> 0:13:07.400 So I mean, those are my two basic strategies of whatever. 0:13:07.480 --> 0:13:11.280 And listen, if I move to, um, opening up a 0:13:11.360 --> 0:13:16.800 hot dog stand in front of a a sports arena, 0:13:17.600 --> 0:13:21.839 I'm gonna use the same strategies of the same strategies 0:13:21.880 --> 0:13:24.280 I use in banking, the same strategies that I use 0:13:24.320 --> 0:13:28.960 intellivigient film, same strategies and methodologies are using music. Yeah, 0:13:29.040 --> 0:13:32.600 and that honestly gives them the opportunity to deal with it. However, 0:13:32.640 --> 0:13:34.120 they got to deal with it, but come back to 0:13:34.200 --> 0:13:39.280 the table for everybody's benefit. Yeah. Yeah, you mentioned relationships, 0:13:39.320 --> 0:13:42.240 and um, you know I saw an interview with you 0:13:42.280 --> 0:13:44.600 where you said the best business advice you ever received 0:13:44.720 --> 0:13:48.120 was never give your partner surprises. Um. When I think 0:13:48.160 --> 0:13:52.520 about that advice, I consider how much a business partnership 0:13:52.559 --> 0:13:57.480 it's like a marriage and probably shouldn't be entered into frivolously. Right. 0:13:57.559 --> 0:14:00.959 And if if then we are of culture, as in 0:14:01.000 --> 0:14:03.520 black people, if we are the culture that drives all 0:14:03.600 --> 0:14:07.680 global culture, whether you're talking about food, fashion, music, sports 0:14:07.760 --> 0:14:10.599 or whatever. Then if you put two or three of 0:14:10.720 --> 0:14:15.079 us together, um, we should dominate, right if we're to 0:14:15.280 --> 0:14:18.280 you know, globally and all of these things, and we're 0:14:18.360 --> 0:14:22.640 not in everything, And so I wonder, um, is it 0:14:22.800 --> 0:14:25.240 because we may be misaligned with our partnerships or is 0:14:25.320 --> 0:14:27.360 it something else? I wonder what your thoughts are on 0:14:27.480 --> 0:14:30.960 how to build successful business partnerships because you've done so 0:14:31.160 --> 0:14:34.920 many over your career. Well, I should say, yeah, so 0:14:35.400 --> 0:14:43.520 so building successful partnerships. You know, in all candor, oftentimes 0:14:45.760 --> 0:14:51.440 people look at like myself, they only remember the successes. 0:14:53.280 --> 0:14:59.960 But will I have had multiple upon multiple upon multiple 0:15:00.640 --> 0:15:06.000 failures right to go along with those successes, I've actually 0:15:06.280 --> 0:15:13.160 learned more and appreciated and it sounds crazy, more in 0:15:13.440 --> 0:15:20.120 my failures than my successes, right. And in those failures, 0:15:21.640 --> 0:15:26.320 you know, I learned really how to treat people and 0:15:26.520 --> 0:15:35.080 how to um identify not just talent but also partnerships 0:15:35.920 --> 0:15:42.240 that I went and applied those tactics and strategies two 0:15:43.200 --> 0:15:48.240 businesses that ended up working. Right. So you know, we 0:15:48.360 --> 0:15:54.720 live in a generation now where everybody wants everything microwavable, 0:15:55.800 --> 0:16:03.000 you know, you know I you mentioned already promotion at Howard. 0:16:04.080 --> 0:16:12.320 I used to study, go to school, study, taking nap 0:16:13.400 --> 0:16:15.800 at night, wake up at twelve am in the morning 0:16:16.320 --> 0:16:21.520 and go pass out three thousand, four thousand flyers hand 0:16:21.560 --> 0:16:25.120 to hand at an event, at an upcoming event that 0:16:25.200 --> 0:16:29.560 I was promoting into the wee bit hours and then 0:16:29.960 --> 0:16:32.920 get up and do it all over again weeks on 0:16:33.200 --> 0:16:40.360 end while at school while promoting. Right, that's that's the 0:16:40.520 --> 0:16:45.760 grind now kids a lot of times and Raley, So 0:16:46.000 --> 0:16:50.240 technology is great. I'm thank the Lord for technology. But 0:16:50.360 --> 0:16:54.400 technology is could be a gift and a curse at 0:16:54.440 --> 0:17:01.160 the same time, because although you know, the younger generation 0:17:01.360 --> 0:17:03.720 is definitely on the hustle and I love it. I 0:17:03.840 --> 0:17:08.440 love everything that I see um from the the younger 0:17:08.800 --> 0:17:14.760 generation across multiple industries. But there's something to the fact 0:17:15.440 --> 0:17:19.080 to the art for me of putting a flyer on 0:17:19.200 --> 0:17:25.600 a car, Right, I did that. I did that. That 0:17:26.040 --> 0:17:32.040 that that you just you can't duplicate that. That grind 0:17:33.440 --> 0:17:37.320 hand combat, yeah, yeah, and that grind, that grind is 0:17:37.400 --> 0:17:40.399 always in the forefront of my mind whatever I do. 0:17:41.280 --> 0:17:49.400 It's ironic. Man. The the more uh the world perceives 0:17:50.040 --> 0:17:59.679 of my success, uh, the more instable in stable I become. 0:18:00.080 --> 0:18:03.399 Because I'm like, you know, I don't, I can't. I 0:18:03.480 --> 0:18:08.720 can't really, I can't really process success. I can only process. 0:18:08.920 --> 0:18:12.560 I can't process past success. I can only focus on 0:18:13.119 --> 0:18:16.120 what's in front of me, right, I get it. Yeah, 0:18:16.160 --> 0:18:20.879 I'm not looking backwards. I'm looking forwards, um, because there's 0:18:21.200 --> 0:18:24.320 there's still more work to be done, there's still more 0:18:24.840 --> 0:18:29.200 good trouble to get into, you know. Um, so so 0:18:29.520 --> 0:18:34.479 so that's that's that's my mindset, man, um. Far too 0:18:34.560 --> 0:18:37.439 many of us in our community have dreams of starting 0:18:37.480 --> 0:18:41.800 companies and don't have adequate business business banking relationships right 0:18:42.000 --> 0:18:45.639 or banking relationships period um. In fact, too many of 0:18:45.720 --> 0:18:49.359 us avoid banks altogether and or just use banks for 0:18:49.480 --> 0:18:52.040 you know, depositing their check and you know debit cards. Right. 0:18:52.080 --> 0:18:55.440 And you said in the previous interview, Uh, this is 0:18:55.480 --> 0:18:59.080 our time speaking about Greenwood to take back control of 0:18:59.160 --> 0:19:03.240 our lives, our financial future, um, for it would be 0:19:03.480 --> 0:19:07.119 entrepreneur in our community. What does a good banking relationship 0:19:07.200 --> 0:19:08.879 look like? This is a big question, but what does 0:19:08.920 --> 0:19:11.880 a good banking relationship look like? How are we supposed 0:19:11.960 --> 0:19:15.480 to engage with banks? Um? Bankers A should say, even 0:19:15.640 --> 0:19:19.240 for services other than justment making deposits into an account? 0:19:19.600 --> 0:19:21.520 And what level of banker should we be talking to? 0:19:21.640 --> 0:19:24.280 Like so we start with the teller, like, what, let's 0:19:24.320 --> 0:19:28.240 walk us through this. Yeah, so so so I believe 0:19:29.400 --> 0:19:33.480 speaking of technology, we're in a new digital age. So 0:19:33.840 --> 0:19:40.720 sixty of Americans are banking digitally currently UM. That number 0:19:40.840 --> 0:19:46.200 is kicking up around three per year. And there are 0:19:46.359 --> 0:19:52.920 really no authentic digital banking solutions that cater to the 0:19:53.000 --> 0:19:58.800 African American and Latin X community really until Greenwood. So 0:19:58.880 --> 0:20:03.600 we're a fintech neil bank that provides modern digital banking 0:20:03.840 --> 0:20:08.359 services for for the for the culture. Right. So, so 0:20:08.560 --> 0:20:12.840 you know some of our services your full service UH 0:20:13.320 --> 0:20:16.680 bank in your hand, savings and spending the count. We 0:20:16.840 --> 0:20:20.440 have Apple and Android pay, peer to peer, money transfers, 0:20:20.520 --> 0:20:25.560 mobile deposits, global ATM network, UM, no hidden fees, and 0:20:25.680 --> 0:20:30.560 one of my favorite features UM today early early pay UM. 0:20:31.320 --> 0:20:33.520 But the fact of the matter is there are three 0:20:33.600 --> 0:20:37.840 problems well that we will solve UM and as a 0:20:37.920 --> 0:20:44.880 reason why we stood, we're standing green with up UM. One. UM. 0:20:45.440 --> 0:20:48.880 You know, in our communities there are far too many 0:20:49.800 --> 0:20:56.080 predatory banking services that we cater to. We want to 0:20:56.320 --> 0:21:04.840 extinguish those predatory services. Two and oh to Greenwood, we 0:21:05.119 --> 0:21:10.720 want to be a part of the solution of recirculating 0:21:11.840 --> 0:21:17.760 capital back into our communities as once had what was 0:21:17.960 --> 0:21:23.280 happened in the Greenwood District in Tulsa, Oklahoma. UM. You know, 0:21:23.800 --> 0:21:27.520 we often hear about Black Wall Street in all of 0:21:27.600 --> 0:21:33.040 the thriving businesses that existed during the twenties and that time. 0:21:33.640 --> 0:21:37.359 But you know the reason why those businesses flourished is 0:21:37.440 --> 0:21:43.680 because one dollar recirculated thirty six times in that one community, 0:21:44.680 --> 0:21:51.600 and that allowed UM. That allowed the barber, the banks, 0:21:52.480 --> 0:22:00.239 the the grocers, the attorneys, right the the doctors, right 0:22:00.320 --> 0:22:05.000 the bowling alleys though, whatever businesses were in those communities, 0:22:05.440 --> 0:22:10.439 that money recirculated and everybody got a bite at the apple. 0:22:11.440 --> 0:22:17.760 Unfortunately for us in our community today, one dollar man 0:22:17.960 --> 0:22:24.080 recirculates six hours. So so you know, at Greenwood, through 0:22:24.119 --> 0:22:29.359 our Greenwood Gives Back round Up program, our customers have 0:22:29.480 --> 0:22:35.360 the opportunity to donate their rounded up changed to three 0:22:35.560 --> 0:22:40.879 causes we care about UM. One the n double A 0:22:41.000 --> 0:22:45.480 CP to fight civil rights, UM to U n c 0:22:45.760 --> 0:22:50.879 F to support education. And three there's a wonderful company 0:22:50.920 --> 0:22:55.160 in Atlanta that feeds um the hungry and homeless called 0:22:55.200 --> 0:23:01.280 good Er UM. And our customers have the opportunity to 0:23:01.440 --> 0:23:04.080 donate a portion of their rounded of change to either 0:23:04.160 --> 0:23:07.840 one of those organizations or a combination of the three. 0:23:08.440 --> 0:23:14.719 And then every quarter Greenwood UM we will UM as 0:23:14.760 --> 0:23:18.000 a banking solution donate and match those funds to those 0:23:18.240 --> 0:23:24.800 to those organizations. The third UM solution, the third problem 0:23:24.840 --> 0:23:28.560 that we're going to solve is the deployment of capital 0:23:29.359 --> 0:23:36.639 in our communities. Right. So, you know, I've started a 0:23:36.800 --> 0:23:40.240 couple of businesses that have done well. None of those 0:23:40.359 --> 0:23:46.760 businesses we're started or stood up with banking capital. So 0:23:47.600 --> 0:23:52.119 you know, we don't have the relationships that our counterparts 0:23:52.680 --> 0:23:59.879 have UM that allows us to create wealth personally or 0:24:00.160 --> 0:24:07.359 professionally like others do UM and and we plan on 0:24:07.680 --> 0:24:11.080 solving that problem UM or being a part of the 0:24:11.200 --> 0:24:16.359 solution to that problem. Uh So, really to answer your question, 0:24:17.160 --> 0:24:23.040 you know, we we are an authentic banking solution that 0:24:23.320 --> 0:24:28.360 knows how to because I am one identify small business 0:24:28.480 --> 0:24:35.639 owners UM that that you know have great ideas, have 0:24:35.960 --> 0:24:41.160 wonderful talent, I have a great support system, have a marketplace, 0:24:41.600 --> 0:24:46.440 but just don't have the capital to two turn their 0:24:46.560 --> 0:24:51.720 business from a micro business to a major business. And 0:24:52.040 --> 0:24:56.360 we're we're bullish, We're bullish on that um UM as 0:24:56.480 --> 0:25:10.280 a as A as a company. This she I read 0:25:10.320 --> 0:25:13.000 the book The Color of Money by Mercer Barraturan, and 0:25:13.080 --> 0:25:15.600 she talked about how black people have not yet overcome 0:25:15.680 --> 0:25:20.280 the mindset and systemic oppression of being capital to having capital. 0:25:21.119 --> 0:25:23.399 Ryan's new effort with Green Would Bank, it's on the 0:25:23.480 --> 0:25:27.119 mission to change that for many have tried before. How 0:25:27.200 --> 0:25:30.080 will Green Would make an impact on this pervasive issue? 0:25:31.160 --> 0:25:36.400 Ryan Glover speaks on it, Well, we have good reason. 0:25:37.080 --> 0:25:39.360 You read the book, so you understand we have good 0:25:39.440 --> 0:25:47.400 reason to mistrust banks. So you know in eighteen hundreds 0:25:48.480 --> 0:25:55.560 US A Freeman's bank, that right that that actually duped 0:25:56.560 --> 0:26:01.280 thousands of African Americans out of their savings, and those 0:26:01.440 --> 0:26:06.920 trustees who ran the bank, uh misappropriated their funds into 0:26:07.600 --> 0:26:13.920 investments that never panned out. They're over three thousand um 0:26:14.560 --> 0:26:20.240 um um um individuals who lost who lost money in 0:26:20.320 --> 0:26:27.119 that one bank and that actual trad tragedy and travesty. Unfortunately, 0:26:27.240 --> 0:26:31.560 from a folklore standpoint, that story has been told generation 0:26:31.720 --> 0:26:37.800 to generation and we haven't gotten over it as a culture. Um. 0:26:38.480 --> 0:26:44.119 You know, there's no there's no mystery or there's no 0:26:44.320 --> 0:26:51.000 falsehood in our grandparents are great grandparents actually using their 0:26:51.119 --> 0:26:58.760 mattresses as their savings and deposits, right because bank mistrust. 0:26:59.480 --> 0:27:05.240 And then fast forward, you know all of the the 0:27:05.920 --> 0:27:11.440 the the issues that some traditional banks have had with 0:27:11.640 --> 0:27:18.880 predatory lending, redlining. Um you know of the sort. Uh 0:27:19.480 --> 0:27:23.960 you know, the current community doesn't we're not we're not 0:27:24.119 --> 0:27:29.600 trusting banks, um curb currently right. So you know we 0:27:29.760 --> 0:27:33.560 know also too that we are as a community, uh 0:27:34.359 --> 0:27:40.400 a lot less likely to receive loans than our white counterparts. 0:27:40.920 --> 0:27:47.399 So all of that combustion, combustible bad will for decades 0:27:48.320 --> 0:27:54.000 has created a mistrust in banks, right. Um, you know, 0:27:54.480 --> 0:27:59.680 we are attempting to build that trust back, and we're 0:28:00.400 --> 0:28:05.960 coming at an approaching it from a standpoint of I 0:28:06.080 --> 0:28:11.520 am not a banker, but we have hired bankers to 0:28:12.040 --> 0:28:17.199 operate our business. But me not being a physical banker, 0:28:17.760 --> 0:28:22.720 I understand. I believe what the community and the small 0:28:22.840 --> 0:28:27.480 business person and just the everyday African American and Latin 0:28:27.640 --> 0:28:34.600 X customer needs to understand on creating an authentic banking solution. 0:28:35.480 --> 0:28:40.920 And we're speaking directly and authentically, um to to that 0:28:41.200 --> 0:28:45.440 to that individual and hopefully over time we will build 0:28:45.520 --> 0:28:50.520 trust back into the community from a banking perspective. Um, 0:28:51.000 --> 0:28:54.960 you know, and yes there are other great African American 0:28:55.440 --> 0:29:00.960 banks that that exists, but I candidly think, you know 0:29:01.640 --> 0:29:07.440 not no of the traditionals or the African American current 0:29:07.520 --> 0:29:13.880 banks are speaking to the generation, Um, that we currently 0:29:14.040 --> 0:29:19.080 exist in the way we organically and authentically can and 0:29:19.200 --> 0:29:22.920 that's what we're that's what we're going to do it. Um, 0:29:23.240 --> 0:29:27.400 you've broken into very well, you know, these industries that 0:29:27.560 --> 0:29:29.600 have high bars in a lot of ways to get into, 0:29:29.680 --> 0:29:32.120 you know what, whether it be owning television stations and 0:29:32.200 --> 0:29:34.920 not holding a bank, etcetera. And talk to me like 0:29:35.120 --> 0:29:38.440 number one, like, what what is it that Ryan has 0:29:38.560 --> 0:29:40.480 in his background that says, you know what, we're going 0:29:40.520 --> 0:29:42.480 to give him the keys to this next level of 0:29:42.560 --> 0:29:45.240 success because a lot of people may go to start 0:29:45.280 --> 0:29:47.719 a television network and can't get it done. A lot 0:29:47.800 --> 0:29:49.800 of people want to start a bank, can't get it done, 0:29:50.200 --> 0:29:52.960 not for like a trying, But what is it? What 0:29:53.120 --> 0:29:59.080 is it that people miss? Here? Here's my secret partner 0:29:59.160 --> 0:30:06.959 with people as smart or smarter than you in those industries. Okay, 0:30:08.000 --> 0:30:13.960 that's where I start. UM. I always start with whether 0:30:14.400 --> 0:30:18.960 whether it be music, television, and film. UM, Now, banking services. 0:30:19.640 --> 0:30:27.440 I start with where is the opportunity and that KNT 0:30:27.480 --> 0:30:33.440 could be filled? That's not right. In music, we started 0:30:33.520 --> 0:30:39.880 Noontime from the auspices of they are amazed a ton 0:30:39.960 --> 0:30:44.480 of amazing production companies and record companies that are doing 0:30:44.560 --> 0:30:53.080 amazing work. So so Deaf bad Boy, Deaf Jam death 0:30:53.320 --> 0:30:57.959 Row right, death Row came a little bit after us, 0:30:58.040 --> 0:31:02.240 but you get my get my point um. But we 0:31:02.360 --> 0:31:07.280 at noon time, we all knew myself, Chris Hicks and 0:31:07.360 --> 0:31:10.920 Henry Lead, We all knew that neither none of us 0:31:11.160 --> 0:31:13.960 could wrap singer dance away out of a paper bag. 0:31:14.600 --> 0:31:18.520 But we are Angle was being the best business people 0:31:19.080 --> 0:31:23.800 that we could be to support the talent. Right that 0:31:24.760 --> 0:31:29.560 that led the company. We weren't the talent. And the 0:31:29.640 --> 0:31:33.680 other companies that we were competing with, they were led 0:31:33.760 --> 0:31:38.800 by talent. Our Angle was not to lead by talent, 0:31:39.200 --> 0:31:43.800 but lead through business and business executives. Right, So that 0:31:44.000 --> 0:31:50.640