AI, Automation, and the Future of Fintech Platforms with Diya Jolly

We sit down with Xero’s CTO/CPO Diya Jolly to unpack how AI, product conviction, and human judgment are reshaping small business finance. From JAX, Xero’s financial superagent, to passwordless lessons at Okta, we dig into saving time, making better calls, and building faster.• Xero vs QuickBooks and why orchestration matters• Jax as a unified financial superagent• Transparent automation that invites human override• Data moats and domain depth as AI advantages• Focus markets across ANZ, US and UK• Auto bank reconciliation and 22 hours saved per month• One leader across product and technology• Reversible vs one-way-door decisions and speed• Career jumps for learning over brand• Betting on passwordless and proving security with less friction• Google lessons on pairing data with intuition• The next decade of fintech UX beyond dashboardsConnect with the Host & GuestSasha Pilch: https://www.linkedin.com/in/sasha-pilchDiya Jolly: https://www.linkedin.com/in/diyajolly/