Episode 3. 50+ bank accounts. Multiple banks across Texas. One accounting team member spending 10+ hours a week reconciling balances by hand. We asked the banks if bank-to-bank automation was possible. They told us "not possible." So we built it ourselves. #RestroTech #RestaurantTechnology #AI #Fintech #Automation Genaro, John, and Bob get into the unglamorous, high-stakes work nobody talks about: moving cash between 50+ bank accounts across multiple banks for a multi-unit restaurant group. The tools we evaluated (Plaid, Stripe, bill.com, FedNow), the secure rails we actually built on (SFTP and NACHA), and a live walkthrough of our custom AI-powered mainframe pulling demo banking data, generating clearinghouse files, and pushing transfers in 10 minutes a week instead of 10 hours. Plus: the $40K-a-year solutions we walked away from, how AI note-takers changed how we document everything, why voice is the next frontier for restaurant operators, a call with a 500+ restaurant group facing the same problems, and why trust is the capital of the future. All banking data shown on screen in this episode is fake demo data. Nothing represents real account information. 0:00 Should you trust AI with bank transfers? 0:42 The problem: 50+ accounts, 10+ hours a week 4:38 What we evaluated: Plaid, Stripe, FedNow, SFTP, NACHA 9:14 Building the AI solution on SFTP and NACHA 10:47 From 10 hours to 10 minutes 17:29 Inside the restaurant-level bank structure 24:13 The dashboard reveal (demo data only) 29:34 Bank transfers: generate, audit, approve, send 40:15 ROI: 300+ hours saved a year, nobody gets replaced 41:41 Why voice and AI note-takers are next 45:11 Trust is the capital of the future 46:52 The call with a 500+ restaurant group About Genaro Alvarez: VP of Technology at F&P Group. Nine years running tech across 40+ restaurants in the Rio Grande Valley. Host of RestroTech. About John: VP of AI at F&P Group. Background in game design and software. Now leads AI implementation across the company. About us: Bob Lozano is the CEO of F&P Group, a company involved in restaurant management, commercial real estate, and digital marketing. Coming from a family of franchise owners, he's a passionate entrepreneur who builds successful businesses and creates positive company cultures. Bob is dedicated to exceeding expectations and making a positive impact. Interested in starting, growing, or improving your work with multi-unit franchises? Learn more below.
