May you live in interesting times…. John and Glen join with Anne Legg and John Janclaes to speculate on the big events poised to frame the coming year. Our panel foresees the best of times and worst of times for AI, a flurry of mergers, breakthroughs in mortgage lending, and regulatory roulette. Oh, and our annual disagreement on Bitcoin and crypto.      Links related to this episode:   Thrive Strategic Services: https://www.anneleggthrive.com/ Nymbus CUSO: https://nymbus.com/cuso/ Our same panel’s recap of 2024’s biggest credit union/fintech stories: https://www.big-fintech.com/Media?p=well-that-just-happened Glen’s blog recap of 2024’s top stories: https://www.big-fintech.com/Media?p=recapping-2024s-biggest-credit-unionfintech-stories And our 2024 predictions from last January:  https://www.big-fintech.com/Media?p=chatting-and-generating-2024s-fintech-predictions-hopefully-intelligently   Here’s a safe 2025 prediction- You won’t regret joining the Innovation Club, an ideal way to stretch your credit union’s limited R&D dollars and stay on top of the latest technology trends. Find out if your CU qualifies: https://www.big-fintech.com/Innovation-Club/Technology   Find us on BlueSky at @bigfintech, @jbfintech and @154Advisors You can also follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/