Matt Dicou, Co-Founder & CEO, Reset

Speaker A: It's really easy to put something on your list of interests and I think it's really hard to cross them off. And the only way that I have seen to be able to cross them off is to go do the thing.

Speaker B: Hi everyone. Welcome to another episode of Credit Unions, Coffee and Conversations. It's great to have you join me. Uh, thrilled with our guest this time around. Sat uh, down I think for, I think if memory serves, one of the first times I talked to a co founder of a startup and that is Matt Deu. Matt is the co founder and CEO of Reset and you're going to learn all about it during uh, the podcast. Uh, it was really exciting to have Matt come on and talk more about what he's doing in the fintech space. Um, so Matt, um, has his bachelor's degree from Brigham Young University, uh, in Utah. You're going. Matt was his first, the first in his family to go to college. He also has a graduate degree from Stanford University School of Business, which is super exciting. You're going to learn all about Matt's entre entrepreneurial spirit which started at 14 when he started a landscaping company which is so cool. He tells us all about that. Um, can you imagine being 14, starting a business and running it for 10 years and then selling it? That's what he did with his landscaping company. So you're going to hear all about um, I loved sitting down talking to Matt, learning more about Reset as an earned wage access tool, um, being something that's so credit union based, learning why he wanted to partner with our fabulous credit union movement, um, and really just help them move the needle, especially as neobanks are having, you know, providing a similar product. This is a way we can differentiate. So all of those nuggets come through in my discussion with Matt. So it was a lot of fun to sit down and talk with him. I hope you enjoy the episode. Learned something. If you want to learn more about Reset, you can reach out to me. You can certainly Find Matt on LinkedIn. Happy to connect you if you want to learn more, but otherwise please enjoy my great conversation with Matt De. Well, hey Matt, thank you so much for joining me on the podcast. It's great to see you.

Speaker A: Great to see you as well. Thanks for having me.

Speaker B: Yeah, absolutely. I think you are one of the first startup founders we've had on, so I'm excited to dig in um, and uh, explore that with you, um, and all the cool things that you're up to. But rolling. Um, you're going to be a newer name For a lot of our listeners, you know, typically I have leaders of credit unions on or people that are, um, you know, more known in the credit union space. So you're going to be a new name, which I think is great. So, um, I love that my first question with all my guests is to ask them to tell us, um, their story because I think for a lot of people they're going to be hearing yours for the first time. So we'll just start there if you're good with it. Matt, why don't you tell us your story?

Speaker A: Yeah, that sounds great. So, yeah, maybe to start way back. Uh, so I grew up in the suburbs of Salt Lake City. Um, my family was, uh, working class family. Um, watched my dad growing up be very entrepreneurial. Um, he was always working multiple jobs and a lot of that had to do with, with like finances and uh, even though I saw him work very hard, um, we still struggled. Um, and I think a lot of that will be a through line through what we talk about today. Um, but yeah, I have uh, a lot of families still in Utah now live in California. Um, but my first start in terms of professional experience was I knew that I wanted to go to college. Neither, neither of my parents did. I knew that I wanted to go to college and I knew that I was gonna have to pay for it. And so actually when I was 14 years old, I started a lawn maintenance company, um, that I ended up, uh, that I ended up working on for over 10 years. That's how I paid for college, um, ended up selling it, uh, had several employees. Uh, and so that's kind of how I started out in the professional world. Um, and I think as things carried forward, I got my first internship, ah, at Visa, which was sort of my foray into the broader professional world. And I fell in love with payments and Fintech and all of that. Uh, and here we are, uh, 10 plus years later.

Speaker B: That's so cool. So what was the name of your landscaping company?

Speaker A: Oh, I love going back. Um, I came up with the name Lawn Ologists and it had a little logo that had like a beaker. I wonder if I still have it somewhere. But oh my God, inside of the beaker was like grass. So it was like lawnologists.

Speaker B: Wow. So you were kind of a geeky 14 year old. That's hilarious.

Speaker A: It was a geeky 14 year old and I am currently.

Speaker B: Well, it's cool because being a geek is cool now. So it wasn't when I was in school, but for my daughter it's, it's been cool. So good for you. Um, well that's awesome. I think that's so. I mean, so not only at 14 were you like starting your own business, which in itself is impressive, but you, you beat the odds of the fail rate for B small businesses and then ended up selling it. So that's really fantastic. And I. That, that is just so cool. So, um, and then of course going on to Visa, which is, is great and I know you met a lot of great people there and um, that's awesome. So the way you and I, Matt, got to know each other is we met while you were out and about talking about a company that you co founded called Reset. And um, it's been cool, you know, getting to know you in that context and seeing about. I just never know where I'm going to turn around in an event and see you like I did in Orlando a couple of weeks ago. Um, but for people that, yeah, for people who aren't familiar with Reset, what the heck is it?

Speaker A: Yeah, great question. So Reset, the way to think about Reset is we are in the earned wage access space. And what earned wage access is, is the ability to access your pay every day versus every two weeks and our unique flavor of it. Um, so going back to my time at Visa, I was actually on Visa's product team. I was, um, leading Visa's earned wage access vertical. And so there's a lot of, there's a few different flavors. Um, m. And our flavor is we actually put the financial institution at the center. So for example, you could say as a benefit of, uh, being a member of a credit union, for example, um, you can access your money, uh, like you can access your pay every day, uh, for free. Um, and so that's effectively at the highest level what we do under the hood, we're really an embedded payments solution. So we wrap around the existing cards and accounts of the credit union partners that we have and allow them to innovate and do really interesting things that help their members advance their financial health, but also drive strong ROI for the credit unions as well. And so it's this really fun place, Patti, where we are sort of at the intersection of things that do good and help members. They drive ROI for the credit union as well. And then we get to uh, be at, uh, the seat or ah, we have a seat at the table of innovation, uh, with the credit union to help them do more and fulfill their mission.

Speaker B: That's awesome. So I want to unpack a couple of things there because I know when I start to Talk to people about earned wage access and talk to them about reset. Because as full disclosure, CUSG is an investor. Um, they're like, oh, we already have that through our payroll, Our people can already get their pay, you know, a couple days before, um, and then I have to pause and stop them and elaborate. So if people are listening and think, okay, well we kind of already have that through ADP or whatever. How is reset different?

Speaker A: Yeah, that's, that's a great question. So there's, there's a couple of pieces. So one is uh, just off the bat, there's with a lot of the payroll based payroll, uh, provider solutions, they're employer centric versus being worker centric, meaning you have to work somewhere specific to have that benefit. What's interesting about reset and even just like the credit union value prop is that they are worker centric, meaning if you change jobs you can bring your credit union with you and reset fits in that vein as well. So if you change jobs you can bring the reset powered solution with you because again you can keep your credit union, you can work multiple jobs, you can have multiple income streams with this type of solution where in the employer centric model you cannot. Um, another difference, uh, that is very um, interesting is many of those solutions have fees. Um, so they require you to pay a fee to access your money instantly. And the data shows that that's like the super majority of the use cases is like people are using um, these uh, earned wage access solutions to have more flexibility and control over their cash flow. So usually a bill or something has come up and so they need the money in a timely way and usually it's instantly. And so then they're paying fees to get the money instantly. Uh, so that's the second, um, like key differences is being fee free. The third thing that I think credit um, unions uh, for sure should care about is usually if the employee wants to remove the fee, they have to send their direct deposit elsewhere. And usually this is like today it's exclusively with banks and other types of institutions. So usually when credit unions are thinking about this, they're wanting a fee free solution. They're wanting something that matches their value prop. And also they want something that keeps them at the center, um, of the individual's financial like as the individual's financial home. And so that's kind of the confluence of all the parts of reset that um, resonates.

Speaker B: Yeah, that's awesome. Okay, and then quickly when you say drive strong ROI for credit unions, you mentioned that a couple of times. Can you Just elaborate on that.

Speaker A: Yeah. So there's kind of two pillars, uh, two ways that we help, uh, credit, uh, unions generate revenue. Uh, so the first way is the deposit piece that I was, I was just mentioning, which we actually require, um, the direct deposit to go to the partner credit union, um, to be, for the member to be eligible. So they either need to already be sending it or we can help them switch it in. Um, so that's number one, either net new deposits or retaining existing. The second piece is around card payments. Um, and um, typically people are spending like when you look at the average debit card spend and what they're spending, um, um, they're spending on with their debit card. It's typically everyday expenses. So gas, grocery bills, etc. What's really interesting is with our earned wage access solution, which is also card based, um, we're seeing people use that for the exact same spending categories. So gas, grocery bills, et cetera. But what we're doing and what we're able to do, um, in a couple of ways, um, including leveraging some of the latest technology From Visa and MasterCard, we are able to convert that debit transaction into a credit transaction and effectively earn premium interchange on that. So what that looks like for credit unions below 10 billion in assets is an 80% increase in interchange. And for those that are above 10 billion it's 4x what they can make on the debit side. So with both of those together, those are like our two key pillars of um, direct roi. And then I'll just add one final thing, Patti. Just like generally strategically, um, a lot of Neo banks, um, they are offering earned wage access or earned wage access esque solutions. And so there is a strategic differentiation or making sure you have an offering here because some of the neobanks are, I think one leading Neo bank is already at like $400 million in revenue from this product alone. And it launched just over a year ago. Wow.

Speaker B: Yeah, that's imperative as we try and compete as best we can with that, with that market. Um, so this is so cool, Matt. So how, you know, I know you said you kind of, you worked with Visa for a while. What kind of had you do the leap from there to start to co found something like reset and get into fintech work.

Speaker C: Yeah.

Speaker A: So I think there was like, it was some of what I knew from like working at Visa, um, and I had done some learning and exploration generally just around the fintech space. But what drove me to build in the fintech space was really, it felt like an Intersection of personal and professional for me. So it's like what I tell people a lot. And I know credit unions care about this. The reason why I'm building Reset is for families like my family. And um, I know credit unions care about that, um, et cetera. But I think what drew me into creating a solution like Reset is I think there's just a lot of things that people need to go right financially for them. There's a lot of components of personal finances and as you look at different, even like public uh, programs, um, around like housing around, food around. And I think those all have their place. What's interesting about fintech and a solution like Reset is you can get liquidity into the hands of someone and then they can self optimize. Right. So it's like whether they need a little more housing, whether they need a little more food, like they're able to basically self optimize when they have access to tools like Reset and do so in a way that is free to them but still has financial outcomes. And I think fintech is one of those rare places where mission and margin can actually go together.

Speaker B: Yeah, absolutely. So that probably that feeds well into the next question, which is why credit unions, it seems like your core client group are credit unions. What's the reason for that?

Speaker A: So I think just being very mission driven, um, both on our side and on the credit union side, I think that just sets you up for success generally. But I also think that what I learned in my time at Visa, seeing all these different models, approaches, uh, et cetera to the earned wage access space, to me it felt like there was something that was missing and I do think it is like the financial institution. Um, and so as we have spoken with many, you know, credit unions, um, I think it's like it solves a core need, it drives their core business on the deposit side on you know, the non interest income side as well. And so I think really it was, it was, we were looking for more mission aligned partners that are doing good in the communities where they already are, but in a way that has um, you know, like economic legs to be able to go and actually do the impactful work that we want to do.

Speaker B: Yeah, absolutely. So in addition to working with credit unions, I know you're connecting with a lot of credit union partners like Feline, um, and Reset was part of the FileAB through filing. Um, what was that experience like, um, working with feline, especially as you were kind of navigating through the pilot stage?

Speaker A: Yeah, so we, we currently still are part of uh, Phi Lab. And so the sort of the process there is they have a symposium, they get a bunch of credit unions in a room, they bring a bunch of solutions like Reset in front of them, there's pitches and there's voting and basically they land on a select few that they are going to pilot with for a particular year. So Reset's part of uh, filing's Phylab for 2026. And so as part of that, um, the experience is you get a lot of feedback from credit unions, you get matched. Uh, so for us we have um, six ongoing credit union pilots through uh, Filing's filab right now. And so we're getting a lot of at bats, so to speak with a lot of really great credit unions that were privileged and excited to work with. And so I think having even that part is useful. But the cherry on top, or maybe not even the cherry on top, maybe even uh, further is ah, we get to leverage Filene's thought leadership, that research capabilities and at the end of this we'll have like uh, a credit union industry case study that we can reference to, um, that is built on the pilot results, um, and other more qualitative factors, quotes, et cetera from the various credit unions. So I think we're very excited about that and excited to get that published later this year.

Speaker B: Right, that's exciting. Um, I know there's such a great group to work with and I mean it's just so cool that credit unions are, are piloting all sorts of things. You know, in addition to Reset. They're really. I've just seen this evolution having been in the industry for as long as I have of, you know, kind of working in a bubble and now and then at first, you know, oh my gosh, fintechs are going to take over and they were scary. And now we're partnering, we're piloting, you know, investing, doing all the things which has been so cool to see. And, and it's groups like Feline and some of the other partners that we work with, like Resita, that are shining light on um, these different groups and getting credit unions excited about, you know, collaborating and coming together to make sure that we have offerings that, you know, people want, need and it's been really cool to watch that happen. Um, so what are some of the goals, you know, what does Reset kind of focus on right now?

Speaker A: Yeah, I'd say there's probably a couple of things that are top level priorities for us. I think it's been awesome to see the level of demand and Interest in our solution. Um, I think for the credit unions that we are already working with, I think that's job number one is continuing to make sure they have a great experience, um, and getting them fully deployed and to scale. I think the second piece is there are other credit unions that are certainly interested and uh, we're open for business, so to speak. And so continuing to grow our roster of credit union clients. And then I think the final thing is uh, just continuing to deepen our relationships with ecosystem players like you all, um, at um, Cosg Mcul M. I think there's also the core banking providers, the digital banking providers, the card processors, um, et cetera and continuing to deepen those relationships and really do so in a way that we're building for the long term and have a longer time horizon, uh, to what we're building. So I think across those three, that's, that's basically what I'm sending all my time on.

Speaker B: Yeah. Okay, cool, that's exciting. Um, so I know, you know, first there's a whole array of people that are probably listening, some very experienced with how fundraising works for startups. Some, um, not so much. So how does the process work? So you know, you have various stages. You know, how do you approach like getting people to invest, getting people excited and raising money. You know, how do you try and scale in that way? What does that look like for, for your, your team that's, that's doing this for people that might not be super familiar with the process?

Speaker A: Yeah, yeah, for sure. So I'm going to oversimplify a little bit, but there's kind of a couple of routes you can go as an entrepreneur. You can, you can bootstrap, which means you don't take on um, any outside capital. You, you know, kind of grow a business that's profitable from day one. Um, and that's a great path. Um, the path that Reset is on is more of the venture backed uh, path where we are taking on outside funding. Um, and there are a couple of ways that you can bring in that outside funding. It could be traditional venture capital, it could be potentially private equity when you get a little later stage. Um, or it could be strategics. Um, and so in our case, um, we're actually excited to announce ah, ah, a fundraising round. Uh, we announced just this last week, um, that we um, had a customer led strategic round that basically more than two thirds of the round came directly from our credit union customers. And so in that case, like how we, to answer your question more broadly now, like how did we Go and find them. I think we first just earned their trust. We built a product that is helpful, uh, to them, is driving outcomes for them and their members. And they wanted to deepen the partnership, uh, both on the commercial side but also as an investor. And so effectively you can go, uh, a lot of different ways in raising money, um, but that's the highest level and we have prioritized strategic capital, um, because um, we can have the dual nature of the relationship where it's like we can partner and we can go to market and we can be like, have shared ownership for that investor in reset by them investing in us.

Speaker B: Yeah, I think that makes so much sense. And so are you open to other credit unions that might listen to this to say, hey, you know, I'm interested in exploring a strategic partnership, you know, or so that's available?

Speaker A: Yes, so that, that certainly is available. Um, we're fortunate to, to raise the amount of money that we raised. Uh, and so, um, there might be a timescale to that, but absolutely, we're always interested in those strategic conversations because I think it's a win, win across the board.

Speaker B: Yeah, it was interesting. One of the things I learned through working with you, Matt, as we were approaching cusg, was approaching you as a strategic partner, um, is the time commitment that you have to commit to investment rounds. So like you have to divide your time between on building reset and making sure it's working and all of the technology components and all of that. And then when you, you know, often you don't always have the ability to press pause on that. Given the small nature of reset right now in terms of the number of team, the team members you have. And so to open time up to an investment round and a million questions, like, I know we had, um, and information and you know, um, all of the due diligence that people do. It's like you can't just always be open to those discussions. You have to press pause on other things. Which I thought was, you know, I'm like that. That makes total sense. It's very time consuming to do both.

Speaker A: Yeah, yeah, exactly. And so I'm, I'm fortunate that you know, I have two co founders, business partners who are great, very capable, but it is, yeah, it's, it is. It's kind of a full time job. When you're in fundraise mode, then that's kind of, I mean it's not all that I'm doing, but it's most of what I'm doing. Um, and so, yeah, that kind of, um, you know, when you're an earlier stage company, you know, my, like, not having me working actively on the business in every way means that we can't go as fast as we could before. And so, um. Yeah, you're absolutely right. There are trade offs there. But yes.

Speaker D: Yeah. Hi, I'm Kay from Navari. You may have heard about our new name and there's a reason behind it. It's inspired by navigation and forward momentum and reflects how we help credit unions navigate complexity by bringing systems and efforts together so you can move faster, see clearly, and turn effort into real momentum. While the name has changed, our team and our commitment to you have not.

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Speaker B: so, okay, so one of our key listeners are young professionals. So I meet a lot of them as I go around to different events and it's often those, those folks, um, that come up to me. We have a pretty big YP movement in Michigan, um, with people that are just really wanting to double down on their credit union, um, experience and, and really excited to be part of what we call a movement as opposed to an industry. Um, so Matt is your, you know, you're still a yourself as you're navigating your career, your work, life balance, with family, you know, what sort of advice do you have to, to young people? And, and maybe it's people that have, have their own idea. Maybe they're like, maybe I have an idea for a business or, you know, I, I have something that I want to kind of branch out and try. What sort of advice do you have for them as, as you're out and about?

Speaker A: Yeah, so as I look back on, on, you know, my career to date, uh, I think some of the things that have, um, stuck with me are I have always tried to go to places that allow me to test and try a lot of things. And uh, so for example, when I was at Visa, um, I did an internship with Visa, but when I converted to full time, I was actually in Visa's Visa as a rotational program. And so you can work in different functions around the business. And in a way, it was a way for me to delay the question of who do I want to be when I grow up. But also I think it allowed me to test a lot of things. I worked in product, I worked in sales, I worked in marketing. And for me, um, in a very short period, uh, of time, which was, it was a two year program, I was able to understand, like, I love product, I love building things. Um, and that is where I was like, that's where I want to double down. And I had great experiences across the board. But I think it's really easy to put something on your list of interests or like potential. And I think it's really hard to cross them off. And the only way that I've seen to be able to cross them off is to go do the thing. And so, um, that's what I would recommend is like, how do you, how do you engineer experiences that allow you to test out in a quick way, like what you're hoping to do. And I think that's where it applies also to the second part of your question, which is like, what if they have an idea? Um, like, you know, before you get the office, before you're, you know, talking to investors and all of that, like, you want to be, you want to be testing things out. You want to, like, you want to get your list of. Here are the 10 things that if they are not true, then it deals the final blow to my idea and you want to go as quickly as possible and pressure test those things. Um, and maybe it's customer conversations, maybe it's, uh, that's probably where I would recommend starting is like, oh, go try and sell something. Go see if someone will pay you for the thing, and if they won't get really curious, um, and then maybe that's where you kind of. It will lead you down, uh, what I think in startup land, they call the idea maze. It's a maze you gotta figure your way around. And, uh, that's how you do it, is you go sell things and talk to customers, and then they'll tell you, um, they'll either tell you directly or if they're too nice, then you escalate. Uh, sort of the commitment where it's like, you know, like, I hear your feedback. You say you like it. Do you, like, can I get you set up right now? Um, or are you willing to pay for this? And then you, uh, you know, they might say yes, but then do they, uh, do they actually pay for it? So it's all of those things that I would suggest, uh, doing as you. As you go through the idea maze, whether it's for your career or whether it's for your startup idea.

Speaker B: Yeah, I love that. I think that's great advice. Thanks for that. All right, now we're going to close up by asking some quick questions that I ask everyone at the end. Um, so for people that have listened to this before, they know my next question is usually about your nightstand, but you do not have one, so we'll skip that. And instead, for you, I'm going to ask, um, you know, you're a startup founder. You know, we just talked a little bit about how you're busy with whether building the company or fundraising, all of that stuff. Um, do you have time to work on personal projects? And if so, like, what are you up to?

Speaker A: Yeah, so I always. I love building things. And so the recent changes and, you know, uh, technological changes with AI have been fascinating. So what I have been doing on the side is like, also, you know, for me, it's important to be involved in the community. So I have a couple of volunteer things that I do. And so I've been trying to use AI, uh, both in work at Reset, but also on those personal projects. It's super fun. Like, uh, to me, it's like, endlessly interesting, like, building new things. Um, and we were talking about, you know, being nerdy, uh, so I'm fully embracing that here as well, Patti. But I love, I love technology. I love, like, tinkering and messing around with different things. So for me, that's often, uh, what that looks like. It's like, how do I be involved in my community? My time is a little more constrained. Um, so how do I leverage Tools like AI to help me, um, also be present in my family, be present in startup, and also show up for my community.

Speaker B: Yeah, absolutely. I love that. Well, I love that you talked about AI because we hadn't talked about it yet. Um, in Total Tangent, um, I just started this book. Um, I can't think of the title, but it's by this guy named Chris Duffy. He, um. He. I heard about him through a friend of mine that actually leads Marquette University. And Chris Duffy was their commencement speaker, um, for graduation last week, actually. And my friend was telling me about this, and I said, what's he talking about? And he's like, oh, he kind of talks about. For this. He's talking about, like, ethical AI. And so I just started his book, and in the foreword of his book, I think he's just kind of setting the tone for how there's, you know, definitely people who are nervous about AI and think that it's, you know, are going off on, you know, some crazy tangents of. Of it taking over or, you know, it's scary. It's scary. And, um, he starts off in the book, which is kind of weird. You're like, what is he talking about? But he started talking about carrier pigeons. And he's like, centuries ago, you know, we. Or, you know, some civilization, right, discovered how smart carrier pigeons are, how they can see 26 miles away. They can. They can, you know, send notes to people. They. They know how to find their way back. And so they started using them, you know, uh, on a regular basis to send messages, which is by itself, just fascinating. But of course, his point in saying that or mentioning that use of technology has been going on for centuries. And it's just. It's. What is it, uh, like, in that. In that time, it was carrier pigeons, right? And then we've evolved to all these other things. You know, it was the Internet and all these other things. Fill in the blank. It's AI and the idea of having something that simplifies things, right? And. And takes time away and, you know, instead of driving, riding a horse, you know, for eight days to get a note to somebody, you can have it there in two hours, right? Um, he's like, let's come back to what actually this is, you know, and, um, start there instead of these crazy theories about, you know, it taking over the world in a negative way. And I was so smart, I'm like, here you are reading this, like, advanced book on AI and he's talking about carrier pigeons. But I thought it was just such a great point. And a great way to start his book.

Speaker A: Yeah, yeah, absolutely. And I think the multiple, um, I mean, like, going back to what you were, you were talking about around young professionals, I would absolutely become a native and AI fluent. Right?

Speaker B: Yeah.

Speaker A: And even doing that, you can add a ton of value like the rest of the market, like you're talking about. Patti MHM Is trying to figure out how to implement. Implement AI. How do we get multiples on our time? How do we do so in an ethical way? That's like humanity forward and all of that. Um, but, you know, that's, it's, it's, it's here and it's. And it's saying. And I think we're all sort of trying to figure our way through it.

Speaker B: Yeah. And shameless plug for our executive summit. The reason I got the book is because Chris Duffy is coming to speak at our executive summit in the fall. So more to come on that. But anyway. Okay, back to our questions. If you could have coffee with anyone, who would it be and why?

Speaker A: Oh, I love this one. So I think I would choose someone who, like, I would choose Benjamin Franklin, I think someone, um, like who I actually have heard that he really liked coffee, number one. But number two is, um, just like some, like, always passionate about something. Um, and yeah, I think he would always be able to like, give you a new fun fact and a new, like, entry into a new subject. And so I think being with a scientist or inventor like Benjamin.

Speaker B: Yeah, I think that's great. Um, I don't think anyone's mentioned Ben before, so that's a new one. Um, okay, tell me a bucket list. Travel destination. I know you have like zero free time for fun travel, but where would you want to go when you have time?

Speaker A: We love going to Hawaii. So I've been there before, but I would absolutely, uh, choose to go there again. And maybe it's on my mind because we actually are heading there next week.

Speaker B: Oh, my God, you're so lucky. That's awesome. Okay, good. Um, so, Matt, what is one traitor quality that you think every leader should strive for as you're leading the way with Reset?

Speaker A: Yeah, I think empathy is, is what I would say. Empathy with customers, empathy with your team, empathy with those that are around you that, you know. I think there is, there is a cost to leadership. And sometimes it's not a cost that only, like, you bear personally. Sometimes it's shared with your family and others. And so I think, um, leading with, with empathy and having it more of a servant leadership mindset where it's like, um, I want, I want my, my team, Um, I want them to want to work with me. I want them to work towards our mission together. Um, not for any other reason other than like, they feel like they are, um, supported by me. And also this is like the best work of their life and what they, they want to do from a purpose perspective.

Speaker B: Yeah, I love that. Okay, we can turn the tables on the questions and see if you have a question for me.

Speaker A: Oh, I get to ask you questions. I like that. Um, one.

Speaker B: You get to ask me one?

Speaker A: Only one?

Speaker B: Yeah, only one.

Speaker A: Well, one thing that I've noticed, I know we've seen each other at many events recently, uh, and I know there's a lot of folks in the broader credit and union network, in your network in particular. So my question for you is, what is your tip for maintaining those relationships? Um, how do you stay in touch with folks and keep that network active?

Speaker B: Yeah, well, fortunately for me, I see a lot of them a lot of the time. So usually when I'm networking so much in our industry is cyclical. It happens every year. Every year we have this event, America's Credit Unions, gac and I'm on different boards and so obviously we see each other there. And um, so much of this stuff happens all the time. So I'm really fortunate that I'm able to see people on a regular basis. And I think people, um, either in my professional and personal life, they consider me like a planner. I'm always the first one to say, okay, who's going to this event, let's schedule a dinner. Um, I make sure to do that because otherwise you'll have the conference come and go. And if you don't plan it ahead of time, you just call. You know how those go. You get caught up in cocktail hour with a bunch of people. And if you don't set a calendar invite, whether it be just let's escape for this free hour we have on the agenda, which I just did with three fabulous women in, in my, um, my career circle. Um, when we were in Charleston, we had an hour and a half downtime and we fled and we went off site and just had a cocktail, just the four of us. And it's those, those moments that are so important to me to um, get, um, more personally. So I, I kind of pull people out of, you know, the, the, the, the agenda and, and have some sit down time with them. And that I think helps nurture the relationships because then you get to know them on a personal level because it's kind of hard when you're standing there with, you know, at a reception with a bunch of people. And in doing that, I look at attendee lists a lot, see who's going, and it's not. Not necessarily. Even though, you know, at csg, we. We obviously have clients, and. And I want people to. To buy our software and partner with us. Um, but it's really just like, wow, who haven't I seen in a while? Who have I never met? Who do I want to get to know better? Um, and you establish those relationships, and I think the business will come, you know, without honestly even talking about it all that much. I'm not in the phase where you are. Where you're introducing a lot of people to Reset, where I know you're talking about it a lot, but when things slow down a bit and you guys are well known, which is coming for you all, you'll be able to kind of step back then do that too. Um, and I think that's just made a really big difference in deepening the relationships with people instead of just on the surface. And that's important to me.

Speaker A: Yeah, I love that, Patty.

Speaker B: Yeah. All right, well, I think that's a wrap for us. Matt, I just want to thank you for joining the podcast. It was great getting to know you. I learned a lot. I'm excited for all that you have going at Reset and thrilled that we're partners. And, um, it's just such a. A great tool. Um, and tools probably, you know, a pretty basic word to describe it, but I think from what you said and elaborated on, uh, it. It's really something that's going to move the needle for our credit unions and for their members and their employees. So, uh, appreciate that you're out there pounding the pavement, you know, spreading the word and, um, getting people excited about it. And I just wish you a lot of success.

Speaker A: Thanks so much, Patty. Appreciate it.

Speaker B: All right, have a good one. Talk to you soon. Have fun in Hawaii.

Speaker A: Thank you.

Speaker B: All right, bye. Okay, well, that was a great conversation with Matt. I, um, loved learning more about Matt, how his. His startup is helping drive stronger ROI for credit unions. I also loved his YP advice. Um, uh, for those that not only are in a credit union, but also somebody that might have a great idea. Right. We learned about this idea Maze could funnel ideas through that, and how he just kind of jumped around from different roles, from multiple roles, until he really leaned in to what his passion brought him to, which is product and. And leading there. So, um, loved learning more about Matt and, um, and reset. And, uh, loved his advice to our yps. So thanks again, Matt, for joining me on the podcast. Thank you. My listeners make sure that you're following the podcast so you're aware when episodes drop. And I look forward to out and about in credit union land. Have a great one.