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Steve Stanton – SOT Advisory

Y'All Street SteveCompanion to sotadvisory.com

From the desk

Steve Stanton on LinkedIn

A short, high-signal set — AI execution, compute economics, and what SOT Advisory actually does for banks and credit unions. Not a feed dump.

Full LinkedIn profile

Steve Stanton is a McKinney-based operator (20+ years accelerating cross-functional work) and the principal of SOT Advisory — Strategy, Operations and Technology for licensed banks, credit unions, and fintech partners.

  1. Jul 30, 2026 · LinkedIn

    3 Ways to Lose. Just way to win.

    Goldilocks for bank AI: too little, too much, or too reckless. There is only one way to get it right.

    Build out practical AI solutions to real business problems. Put in proper guardrails and “control panes” to ensure governance. “Right size” your investment in new capabilities, matched to the business needs and process owners that will both benefit and ensure alignment/control.

    Why it sits here. The DFW job story is not ‘AI replaces the bank.’ It is whether campuses in Plano, Irving, and Westlake hire for governed, problem-shaped AI — or for FOMO stacks that never compound.

    AIBank transformationExecution
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  2. Jan 12, 2026 · LinkedIn

    Dumbing Down Intelligence

    Semantics fogged up the windshield. We can’t see the AI revolution clearly — so we argue definitions instead of using the tools.

    Computers already do some things WAY BETTER than humans. AGI and human intelligence have SOME overlap in the Venn diagram. AGI is complementary to human intelligence.

    Why it sits here. For Y’All Street employers, the useful question is not ‘has AGI arrived?’ It is where complementary AI already changes underwriting, ops, fraud, and the talent mix on the Tollway.

    AIAGIDefinitions
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  3. Jan 30, 2026 · LinkedIn

    Wright, Wrong and Moore's Laws

    Falling unit cost of compute does not mean we spend less. Jevons Paradox: we buy more — in units and in dollars.

    As the cost of compute continues to fall... We buy MORE. Not just more units, but more in aggregate dollars spent. This is Jevons Paradox: improvements in efficiency of resource use tend to increase (not decrease) overall consumption of that resource.

    Why it sits here. That is the DFW data-center and bank-AI story in one line: efficiency at the model layer is expanding, not shrinking, the regional compute and engineering footprint.

    ComputeAI economicsData centers
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  4. Jul 1, 2026 · LinkedIn

    What SOT actually does

    Strategy, Operations and Technology — a cross-functional shop for licensed banks, credit unions, and fintech partners. Including a recent stablecoin launch for a large credit union.

    What is “SOT”? Strategy, Operations and Technology. It’s a cross-functional consulting firm. We drive innovation in regulated finance orgs. We work with licensed banks & credit unions, partner with fintechs… Recently quarterbacked a stablecoin launch initiative for a large credit union.

    Why it sits here. The GENIUS Act made payment stablecoins a bank-and-credit-union product, not a crypto-only product. North Texas community institutions now have a live playbook, not a white paper.

    StablecoinsCredit unionsSOT Advisory
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