Guests Ewan Silver, Danny Brewster, and Mike Carter discuss the lessons learned from financial services in 2023 so far. Topics include bank runs, dealing with economic downturn, and the banning of AI in banks. They also explore the launch of a new business current account, opportunities arising from fintech layoffs, and the risks of using generative AI in banks. The speakers reflect on the resilient nature of people and the importance of cash flow in building a sustainable business.