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Apr 2026 · Manuscript under review · Cite the paper →
Doctoral Research / Creighton University / 2026

The Silent Partner.

How AI coaching tools might support transformational leadership in performance conversations — a qualitative study of eleven banking leaders during a live year-end review cycle.

Author Robert P. Callahan, Jr.
Program EdD, Interdisciplinary Leadership
Field Leadership development · AI coaching · Financial services
Paper type Empirical, qualitative (n=11)

A study of how, not whether.

Eleven banking leaders received access to a custom GPT-based coaching tool during their year-end performance review cycle. Ten completed post-intervention interviews. This is what they described.

This qualitative pre-post intervention study examined how practicing leaders engaged a custom GPT-based coaching tool during live year-end performance reviews in a large U.S. financial institution. Data were analyzed using a hybrid deductive-inductive thematic approach informed by reflexive principles, with the Four I's framework of transformational leadership as the initial deductive structure.

How leaders engaged with the tool appeared to shape what they took from it, ranging from increased self-awareness to reported shifts in how they prepared for and framed conversations. Several cases also suggested activation of less-developed transformational leadership dimensions. Two novel mechanisms emerged from the cross-case synthesis: a reflective buffer, in which the tool introduced a deliberative pause that interrupted reactive communication, and domain-specific category-blindness, in which even AI-fluent leaders had not previously imagined AI as relevant to leadership work until the use case was explicitly framed.

The findings position AI coaching as a developmental scaffold and preparation partner — not a substitute for the relational work through which deeper transformation occurs. In regulated environments, transparent governance operates as a prior institutional condition on whether any such tool can function at all.

Keywords Transformational leadership· AI coaching· Performance conversations· Thematic analysis· Leader development· Financial services
11
Banking leaders,
pre-intervention
10
Post-intervention
interviews completed
6–8 wks
Intervention window,
year-end review cycle
4+9
Pre-intervention themes,
post-intervention findings

Nine cross-case findings, two novel mechanisms.

Leaders did not engage the tool uniformly. Patterns of engagement appeared linked to qualitatively distinct outcomes — from awareness shifts to reframed preparation to team-level developmental artifacts.

Mechanism I · Novel contribution

The reflective buffer.

A recurring pattern across cases was the use of the tool as a deliberative pause between an initial appraisal and the conversation that followed. P-05 described being re-oriented from a directive impulse toward a developmental one. P-11 used the tool for emotional regulation before a highly constrained administrative message. P-10 described the tool redirecting outward-facing performance observations back to self-as-manager reflection — developmental introspection they had not initiated on their own.

The contribution is not that AI generates better scripts. It is that AI creates room to not speak first.

The tool didn't give me words. It gave me the space to choose mine. — Paraphrased synthesis across P-05, P-10, P-11
Finding 01 · Core

Leaders experienced the tool as a silent partner, not a script generator.

Across post-intervention interviews, leaders primarily described the tool as a preparatory aid that helped them think through conversations in advance rather than as a source of verbatim language. The effect was metacognitive before it was behavioral — a shift in how leaders thought about an approach before it became a change in how they acted.

Awareness before action is consistent with Day & Harrison's (2007) developmental sequence. — Discussion, p. 7
Finding 02 · Mechanism

Individualized Consideration emerged as the central dimension.

Of the four transformational dimensions, Individualized Consideration was most visibly scaffolded. Leaders used the tool to tailor communication, anticipate reactions, and prepare for more developmental conversations. P-10 built a structured scorecard and roadmap, replacing what they called motherhood statements with specific behavioral expectations.

Finding 03

Several cases suggested activation of less-developed TL dimensions.

Both P-05 and P-06 identified Intellectual Stimulation as their least-developed dimension pre-intervention and later described post-intervention movement. A team member's unsolicited comment to P-06 — "Where are these questions coming from now?" — offered the strongest external corroboration in the dataset.

Finding 04

Engagement patterns were linked to distinct outcome profiles.

Frequency alone did not explain difference in reported outcomes. Integration rhythm mattered. A five-pattern typology (see Table II below) distinguished frequent-light integration from deadline-reactive use — and produced qualitatively different kinds of reported change.

Finding 05

Framework separation between administrative and developmental intent.

Several participants described using the tool to disentangle the institutional review process from the developmental conversation within it. P-08 described the tool as a "sounding board" that facilitated this separation — a potentially valuable function in regulated environments where administrative compliance and developmental depth compete.

Finding 06 · Mechanism II · Novel contribution

Domain-specific category-blindness limited uptake — even among AI-fluent leaders.

A distinct pattern in the dataset was that several AI-fluent leaders had not previously considered AI relevant to leadership work until the study explicitly framed it that way. P-07, whose role was the most AI-focused in the sample, reported the study surfaced a use case that had not previously occurred to them despite deep professional immersion in the technology. P-10, a significant prior AI user, described the non-use for leadership as a failure of my imagination rather than a deficiency in the tools.

Adoption barriers, then, may stem not only from trust or access — but from whether leaders can imagine AI as relevant to leadership work in the first place. General AI fluency predicts engagement only once the use case has been admitted to the leader's mental category of AI-relevant work.

A failure of my imagination — not a deficiency in the tools. — P-10, post-intervention
Finding 07

Use extended beyond one-to-one downward coaching.

Participants extended the tool into upward influence (P-03 with their own manager), lateral influence (P-06), team-development artifacts (P-04's distributed analyst-uplift playbook), second-level coaching cascades (P-11), and audience simulation for testing alternative phrasings.

Finding 08 · Caveat

Not all reported shifts were tool-driven.

Some changes appeared connected to broader role demands, organizational pressure, or accumulated leadership experience during the study period. P-07's substantial shift was linked primarily to the realities of scaling a rapidly growing function, not the tool. The tool should be understood as one possible contributor to leadership development — not its sole source.

Finding 09 · Prerequisite

Governance is the condition, not the caveat.

Participants raised data governance questions before discussing the tool's value. Who can see my prompts? How is data stored? Could this appear in personnel files? Without technologically guaranteed psychological safety from institutional surveillance, engagement remained superficial. In regulated settings, autonomy-supportive design cannot function if the governance substrate does not.

Table II

Engagement patterns & associated outcome profiles.

n = 10
Pattern Defining feature Associated outcomes Boundary condition
Frequent-lightP-03, P-05, P-08 Regular, short interactions integrated into ongoing leadership work. Strongest reported shifts in preparation, framing, and difficult-conversation handling. Requires live conversations during the study window.
Moderate-progressiveP-06 Use increased over time as confidence and prompting improved. Shifts in organization, objectivity, and emotional regulation. Dependent on time and repeated engagement.
Periodic-deepP-04, P-10 Longer, concentrated sessions focused on frameworks or team-development artifacts. Team- or system-level outputs rather than repeated one-to-one application. May not produce many observable one-to-one shifts.
Deadline-reactiveP-08, P-11 Tool activated around imminent high-stakes interactions. Strong preparation benefit, reframing, selective perspective-taking. Harder to observe durable change if use remains episodic.
Reactive-sporadicP-01, P-02, P-07 Occasional use triggered by specific challenges; included leaders with high AI familiarity outside leadership contexts. Metacognitive effects, selective preparation benefits, category reorientation. AI familiarity alone did not guarantee integration into leadership practice.

Note. Engagement patterns represent analytic groupings derived from cross-case qualitative comparison rather than statistically validated categories. Associated outcomes should be interpreted as qualitative associations rather than causal or deterministic effects. Source: Created by the author.

A qualitative pre-post intervention design.

Semi-structured interviews, hybrid deductive-inductive thematic analysis, and a cross-case synthesis grounded in the Four I's framework of transformational leadership.

I.Pre-intervention

Baseline interviews

Eleven semi-structured interviews (45–60 min) aligned with the Four I's framework and AI orientation dimensions. Eleven questions per protocol.

II.Intervention

Custom GPT coaching tool

Six to eight weeks of access on personal devices during the year-end performance review cycle. Tool configured for hypothetical scenarios; no actual employee data.

III.Post-intervention

Follow-up interviews

Ten of the eleven participants completed a ~30-minute follow-up covering usage patterns, perceived changes, and tool feedback across fifteen questions.

IV.Analysis

Hybrid thematic analysis

Deductive Four I's coding plus inductive theme development. Reflexive journal, cross-case synthesis matrix, richness ratings, and disclosed positionality throughout.

On reflexivity

As a senior banking professional with direct experience deploying AI tools in financial services contexts, my positional influence shaped the interpretation of themes, particularly regarding conversation avoidance and governance concerns. The shared industry context may have enabled deeper access to participants' meaning-making while also risking over-identification with practitioner perspectives. Positionality was disclosed per the IRB protocol.

About the research.

Independent doctoral work completed at Creighton University as part of the EdD in Interdisciplinary Leadership — grounded in twenty years of practice at the intersection of banking, capital markets, and leadership development.

This research emerged from a longstanding interest in the friction between the rigid documentation required by institutional performance systems and the relational depth transformational leadership asks of leaders — a tension that is everyday work in regulated industries, and one that few technology interventions have directly addressed.

That interest is rooted in two decades of first-hand practice. The author is a Managing Director at a major U.S. bank, where he leads corporate banking coverage for the Non-Bank Financial Institutions franchise — broker-dealers, exchanges, asset managers, insurance companies, and finance companies — and has served as an enterprise AI champion across the firm's Corporate and Investment Banking organization. The performance conversations studied in this dissertation are the same conversations he prepares for, and observes others prepare for, as daily work.

The study was conducted in 2026 with eleven banking leaders during their organization's year-end performance review cycle. Participants were recruited through purposive sampling and received no compensation. The intervention tool was a custom GPT-based coaching assistant configured around the Four I's framework of transformational leadership, designed to ask clarifying questions before offering guidance and to present multiple approach options rather than single prescriptive recommendations.

Findings from this study — including the reflective buffer mechanism and domain-specific category-blindness — have been developed for publication in the Journal of Work-Applied Management. Related work is in development on engagement typologies in AI-mediated leadership development and on governance-as-prerequisite conditions for AI coaching in regulated settings.

For research inquiries, citation requests, or academic correspondence: robert@thesilentpartner.ai

§ 04.1  ·  Background

Twenty years at the intersection of banking and leadership.

Career
  • 2024 —
    Present
    Managing Director · Head of FIG Corporate Banking
    A major U.S. bank · Minneapolis
    Leads a team of senior corporate banking relationship managers covering several hundred Non-Bank Financial Institution clients across broker-dealers, exchanges, finance companies, asset managers, and insurance. Portfolio generates $1B+ in annual corporate banking revenue through cross-platform product delivery. Also serves as an enterprise AI champion across the firm's Corporate and Investment Banking organization.
  • 2017 —
    2024
    Managing Director · Head of Market Structure, FIG
    Same firm · Minneapolis
    Led the integration of the firm's Bank and Non-Bank FIG businesses and built the Market Structure coverage segment, creating a unified platform for broker-dealers, exchanges, title companies, and finance companies. Structured the firm's first three left-lead acquisition finance bridges within FIG.
  • 2006 —
    2017
    Managing Director · Relationship Manager & Team Lead, FIG
    Same firm · Minneapolis
    Managed large, complex global financial institution relationships. Grew the Exchange segment of the Market Structure vertical from $0 in 2008 to $47M in 2016 through strategic investment banking partnerships and product innovation.
  • 2002 —
    2006
    Business Banking · Credit Analyst to Senior Relationship Manager
    Same firm · Omaha
    Managed a portfolio of 300 middle-market business clients. Trained 150+ business bankers nationwide on a new sales and lending platform. Completed a six-month credit analysis and corporate finance training program.
Education
  • In
    progress
    Doctor of Education
    Creighton University
    EdD, Interdisciplinary Leadership. Dissertation research on AI-enabled coaching tools and transformational leadership.
  • MBA
    Master of Business Administration
    Kellogg School of Management, Northwestern University
    Finance, Marketing, Entrepreneurial Innovation, Organizational Management, and Management Strategy.
  • BS
    Bachelor of Science
    University of Nebraska–Lincoln
    Majors in Finance and Accounting.
Licenses & Recognition
  • FINRA licensed — SIE, Series 7, Series 24, Series 63, Series 79
  • Golden Spoke Award — top 1% of wholesale bankers at firm
  • AI Prompting Certification — University of Nebraska
  • Community Service Award
  • Eagle Scout — Boy Scouts of America
Positionality. The author is a senior banking professional with direct experience deploying AI tools in financial services contexts. This positional influence shaped the interpretation of themes across the study, particularly regarding conversation avoidance and governance concerns. The shared industry context with participants may have enabled deeper access to their meaning-making while also risking over-identification with practitioner perspectives. Positionality was disclosed per the IRB protocol. Views expressed throughout this site are the author's own and do not represent the views, positions, or services of any current or former employer.

Try the same coaching tool used in the study.

The intervention tool is publicly accessible as a custom GPT. It is configured around the Four I’s of transformational leadership and asks clarifying questions before offering guidance — the same posture participants encountered during the study.

Powered by ChatGPT

The Silent Partner GPT.

Prepare for a performance conversation, explore how to frame developmental feedback, or stress-test your approach to a difficult discussion. Built on the Four I’s framework, the tool presents multiple approach options rather than single prescriptive answers.

Open the Silent Partner GPT Free with a ChatGPT account · No data collected
Framework
Four I’s of transformational leadership
Posture
Asks before it answers
Output
Multiple approach options, not single scripts
Use case
Performance, development, & difficult conversations
Access
Public custom GPT · ChatGPT account required

Cite the paper.

The manuscript is currently under review at the Journal of Work-Applied Management. Pre-publication citations should be noted as a working paper until acceptance is confirmed.

Working Paper · Title
The Silent Partner: How AI Coaching Tools Might Support Transformational Leadership in Performance Conversations.
Author · Year · Status
Callahan, R.P.  ·  2026  ·  Under review, Journal of Work-Applied Management.
APA · Suggested Citation
Callahan, R.P. (2026). The silent partner: How AI coaching tools might support transformational leadership in performance conversations [Manuscript submitted for publication]. Creighton University.
BibTeX
@unpublished{callahan2026silent, author = {Callahan, Robert P.}, title = {The Silent Partner}, note = {Manuscript submitted for publication}, year = {2026} }