Hosted by Ashish Garg, Co-Founder & CEO of Eltropy, Human x AI: Unscripted explores the human side of AI through candid conversations with leaders, innovators, and thought leaders reimagining banking with AI.
Ep 32 - The AI Dilemma: A CEO’s Honest Take on Fraud, Fear, and Human Value
AI is changing everything. But what if its biggest impact isn’t replacing humans, but redefining what truly matters? In this episode of Human x AI, Charles Frederickson, CEO of Stanwood Area Federal Credit Union, shares a grounded and inspiring perspective shaped by decades in the industry. He’s seen transformation before, but nothing like this. Charlie doesn’t just talk about the potential of AI; he addresses the tension. The fear. The uncertainty. From fraud risks to job disruption, he openly acknowledges the challenges that come with a rapidly evolving world. But here’s where his perspective shifts. Instead of focusing on what AI might take away, Charlie highlights what it gives back - time. Because at the heart of it all, human connection still wins. AI can process information, automate tasks, and even mimic conversation. But it can’t feel joy. It can’t understand emotion. It can’t replace the meaning behind human interaction.
2 Apr 2026
Ep 31 - Caregiving, Credit Unions & AI: Shirley Senn on the Human Side of Technology
AI isn’t replacing humans. It’s revealing what makes us human. In this deeply personal episode of Human x AI, Shirley Senn (Chief Community Development & Impact Officer at New Orleans Firemen’s FCU) shares a perspective shaped by 34+ years in credit unions, and a life moment that changed everything. From starting her career in the early ’90s, when technology was barely part of the equation, to now building her own AI agents, Shirley has seen the evolution firsthand. But this conversation goes far beyond AI tools and trends. Shirley breaks down why AI should never replace human connection, but instead amplify it. She talks about the fear many teams feel today, and why that fear exists. More importantly, she reframes the narrative: AI isn’t here to take your job, it’s here to give you back time to do the work that actually matters. This episode isn’t about what AI can do. It’s about what humans can become when AI supports them the right way.
1 Apr 2026
Ep 30 - "No Layoffs Since 1957" - Mid Oregon CU CEO Kevin Cole on Building AI Around People
Kevin Cole, CEO of Mid Oregon Credit Union, is refreshingly honest about where he stands and what finally moved the needle. In this episode, recorded live at GAC 2026 in Washington, DC, Ashish sits down with Kevin, a 28-year credit union veteran who went from predatory lending to purposeful banking and never looked back. They get into what it really looks like to deploy AI inside a credit union, why human connection is the last true competitive differentiator, and why Mid Oregon has never laid off a single employee since 1957. Kevin shares how Eltropy Voice+ is their first step into conversational AI, and why he walked out of an AI hackathon in Hawaii with a product pitch so good he would have funded it himself. But underneath all the technology talk is something bigger, a belief that no AI system can replicate a culture where people actually care. Where employees show up not for a paycheck but for a purpose. Where members get to choose how they want to be served, and the credit union's job is simply to make every option great.
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