Welcome to the Top 5 Percenter™ Blog

Welcome to the new frontier. It’s fast. It’s unforgiving. And it just changed the rules of your business without asking for permission.

AI isn’t the threat. Stale thinking is.

In this video, Roxanne Emmerich takes off the gloves and exposes what no banker wants to admit: most teams are built for a world that no longer exists.

You’ll discover:

  • “Transactional” roles are a death sentence in this new age
  • Wisdom—not labor—is the new currency of performance
  • Strategy built once a year? That’s a retirement plan, not a growth engine

If you don’t teach your people how to think in second and third orders, you’re complicit in their extinction.

This is not about getting ahead. This is about not being left behind.

Watch now. 

It’s an AI wild, wild West, and everything is happening fast. And most banks have no idea how to get aligned.

I’ve been mentioning to my bank executives to make sure that they’re getting their team prepared because we’re moving into a world of wisdom workers. So if you put something into ChatGPT or Perplexity or whatever tool you’re using, but you don’t bring wisdom to it, what you get out of it is a bunch of junk. And so now, the highest performers are those with the most wisdom.

Brian Tracy used to talk about how anybody who read eight or ten—I can’t remember the exact number—books in their area of specialty would become a top one percent performer in that industry because they would become masters of the knowledge.

This is the world where you need wisdom workers.

I have to share with you—I’m quite concerned about most people who work in banks right now who are transactional thinkers and transactional executors, because most of those jobs will be much more quickly and better done by machinery in the very near future. So where are these people going to go?

It is your ethical obligation to teach your people how to remain employable in a world where they will have to become wisdom workers to be able to make that improvement.

So in this world, we have to move from being that first-order thinking to second-order thinking—people who can see around corners, anticipate what’s going wrong, people who bring wisdom and understand what are the very best ways to do it. How is it changing based on what’s happening?

It’s a different world. It’s exciting.

We’re living in a world where Saudi Arabia is coming in and investing in the United States, where interest rates are changing by the minute. Gold prices are moving in directions beyond our understanding.

Bond portfolios are going through all kinds of crazy. It’s just not the world it was.

And we’re going to need to learn to be excited by the changes and be able to be mobile, to move quickly—because hanging on to yearly strategic planning—and please tell me you don’t do yearly strategic planning but that you do quarterly planning—but anybody who’s sticking to the yearly plan will certainly become dust, because eleven or twelve months after you’ve created that thinking, the world has already changed.

In fact, the way the world’s working now, it takes about a week.

And that’s where AI—and the ability to think in second-order—will come in.

So, as executives and board members of top-performing banks, you must be leaders in helping your team know how to work with AI, develop their next-level thinking, bring wisdom into their understanding, and really elevate these people to make sure that they can run AI—not be run out by AI.

More From The Blog

Why Culture Cannot Be Delegated

Most banks pretend that culture can be delegated. Wrong. Elite banks weaponize culture as their profit engine. Here’s the system CEOs can’t ignore.