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Barret Library: Can’t Miss Books for Community Bankers

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Algorithmic Leader

Link to Book

Ok, I have to admit that when anyone calls themselves a “futurist”…I get a little skeptical.  However, we heard Mike at ICBA Live in San Antonio and I was impressed enough with his approach to buy his book at the back of the room.  Now, if I buy merch in the back of the room from anyone, then I’m fairly impressed.  The main thrust of this book is one I believe is facing community banks today…”the greatest threat we face is not robots replacing us, but our reluctance to reinvent ourselves”.  That’s a powerful message to community banks in the throes of digital adoption into our business models.  It shifts the focus away from the tech back to us (individually and corporately).


His “10 principles that every leader needs to survive and thrive in the algorithmic age” are worth sharing here as well as I think you’ll see the tone of the book.
  1. Work backward from the future
  2. Aim for 10x, not 10%
  3. Think computationally
  4. Embrace uncertainty
  5. Make culture your operating system (Byron’s note: there’s that word “culture” again!)
  6. Don’t work, design work
  7. Automate and deliver
  8. If the answer is X, ask Y
  9. When in doubt, ask a human
  10. Solve for purpose, not just profit.
A word of warning…in the interest of disclosure…the book can get a little technical sometimes.  I don’t understand how algorithms work and how they do what they do.  In a way, that’s the point of the book…how we adapt in such a world…but the truths in this book are worth punching through the technical part.

Algorithmic Leader





Byron Earnheart is the Programming Director for the Barret School of Banking in Memphis, TN and the host of the “Main Street Banking” podcast…the only podcast solely devoted to community banks. He has over 15 years experience in the financial services industry; 11 of which have been in banking in various roles from teller work to branch management. He spends his time playing guitar and singing in Delta Heart (the “house band of the Mississippi Delta”), writing music, cooking, reading, and enduring the University of Tennessee Volunteers athletic seasons. He is married to his wife Kelly of 11 years and has two children, John Aubrey (11) and Mary Laura (7). If you'd like to hear Byron's music, check him out on Spotify:
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