In this episode, Jack Hubbard sits down with Chris Nichols, a highly experienced banking professional with over five decades of expertise. Throughout his career, Chris has become a sought-after speaker, addressing topics such as AI in banking, treasury management, and navigating regulatory landscapes. During the interview, Chris shares his perspectives on the transformative role of AI in banking operations, highlighting Microsoft Copilot as an example and discussing its potential productivity benefits. He emphasizes the importance of training bank staff to effectively leverage AI tools and adapt to changing technological landscapes. Additionally, Chris delves into the significance of treasury management for community banks, stressing the need for dedicated sales efforts and strategic approaches to attract core deposits. He shares insights on identifying deposit-rich industries and leveraging innovative solutions to drive loan demand, such as the ARC program, designed to facilitate strategic refinancing for banks and clients alike. Tune in to this episode to gain invaluable insights into the evolving dynamics of banking, informed by Chris's wealth of experience and forward-thinking perspectives.