EPISODE · Nov 14, 2024 · 34 MIN
Theo Lau: Unlocking Fintech Innovation and Inclusivity
from Scouting for Growth · host Sabine VdL
On this episode of the Scouting For Growth podcast, Sabine VdL talks to Theodora (Theo) Lau, the founder of Unconventional Ventures, where she spearheads efforts to create an ecosystem that brings financial institutions, startups, and venture capitalists to meet the diverse needs of consumers, particularly older adults and gig economy workers. In today's conversation, we'll delve into the evolving landscape of fintech, exploring the challenges and opportunities that lie ahead. Theo will share her insights on fostering corporate-startup collaborations, now called Venture Clienting, leveraging technology for social good, and building a more inclusive financial ecosystem. We'll also touch on her recent work, including her books "Beyond Good" and "Metaverse Economy," which explore the future of finance and the role of technology in shaping it. KEY TAKEAWAYS The world of FinTech is about money movement and how we get people from point A to point B. You got to a bank or online lender for a loan for a house, or saving up for your children for retirement, these are both moving from A to B. There are more player in this space over the last few years using technology and “super-apps” to allow access to micro-loans, access to insurance, saving money and paying people. What gets me really excited about AI isn’t the ChatGPTs of the world, it’s how we apply it and how we can change how we do things. For example, how do we use that to help small businesses? How can we create a connection between financial institutions and the people that they serve? Those are more interesting use cases that I’d like to see more. A lot of people in the industry are very hung up on whether it is or isn’t a bank. From a consumer perspective, they simply need a means to save or do ‘x’. From their perspective they’re interfacing with an app, not a specific bank. The most important thing is that consumers are protected and not exposed to predatory measures/practices. Do I trust the entity that is giving me advice? Do I trust a faceless algorithm? How do I know they’re acting on my best interests? For it to work I need to expose all of my financial interests to this tool, which goes back to trust. BEST MOMENTS ‘With things like Apple’s savings account, why would people need a regular bank account?’ ‘We need to focus on why consumers go a specific route and have the tools to help them spend responsibly.’ ‘We all need information, and we need to be more informed on where we are from a financial well-being perspective.’ ‘It’s really hard to create an AI to be a CFO in your pocket, autopiloting your finances. We’re not there yet, but hopefully we will be.’ ABOUT THE GUEST Theodora (Theo) Lau is a dynamic public speaker, writer, and startup advisor who is dedicated to inspiring innovation and enhancing consumer financial well-being. As the founder of Unconventional Ventures, Theo focuses on building and nurturing an ecosystem that includes financial institutions, corporations, entrepreneurs, and venture capitalists, all united to address the unmet needs of consumers, particularly older adults and gig economy workers. She has a strong commitment to supporting women and minority founders and regularly mentors and advises FinTech startups. LinkedIn ABOUT THE HOST Sabine VanderLinden is a corporate strategist turned entrepreneur and the CEO of Alchemy Crew Ventures. She leads venture-client labs that help Fortune 500 companies adopt and scale cutting-edge technologies from global tech ventures. A builder of accelerators, investor, and co-editor of the bestseller The INSURTECH Book, Sabine is known for asking the uncomfortable questions—about AI governance, risk, and trust. On Scouting for Growth, she decodes how real growth happens—where capital, collaboration, and courage meet. If this episode sparked your thinking, follow Sabine VanderLinden on LinkedIn, Twitter, and Instagram for more insights. And if you’re interested in sponsoring the podcast, reach out to the team at [email protected]
What this episode covers
FinTech isn’t about apps. It’s about movement—of money, trust, and responsibility. In this episode of Scouting for Growth, Sabine VanderLinden is joined by Theodora (Theo) Lau, Founder of Unconventional Ventures, to explore what the next chapter of financial services really demands—and why inclusion, trust, and purpose are no longer optional. Theo operates at the intersection of financial institutions, startups, and venture capital, building ecosystems designed for the people most often overlooked: older adults, gig economy workers, and financially vulnerable consumers. This conversation moves beyond hype to examine how fintech can—and must—deliver real-world impact. At its core, fintech is about getting people from Point A to Point B: saving for retirement, buying a home, protecting income, or simply managing cash flow. Technology has multiplied the number of players promising to make that journey easier—from super-apps to embedded finance—but Theo challenges the industry to pause and ask: are we actually improving financial wellbeing, or just increasing access to products? AI is a prime example. What excites Theo isn’t the novelty of generative tools, but their applied potential—especially for small businesses and underserved communities. How do we use intelligence to strengthen the relationship between institutions and the people they serve? How do we design systems that guide better decisions rather than exploit behavioural gaps? Trust becomes the fulcrum. Consumers don’t care whether they’re interfacing with a bank, a fintech, or a brand—they care about outcomes and protection. Yet as algorithms move closer to advising, automating, and potentially “autopiloting” finances, hard questions emerge: Do I trust this entity? Is it acting in my best interest? What happens when advice comes from a faceless system? Theo is clear: innovation without trust is fragile. And protection without understanding is insufficient. The future of finance depends on transparent design, ethical deployment of technology, and collaboration models—like venture clienting—that allow incumbents and startups to learn fast without transferring risk to consumers. Drawing on insights from her books Beyond Good and The Metaverse Economy, Theo paints a grounded vision of what’s next: financial ecosystems that prioritise responsibility alongside growth, and inclusion alongside scale. This episode is essential listening for leaders navigating: Corporate–startup collaboration in regulated environments AI deployment beyond experimentation Financial inclusion that actually delivers outcomes Consumer trust in an increasingly invisible financial stack Because the question is no longer whether fintech will reshape finance—it already has. The real question is who it will truly serve. 🎧 Tune in—and ask yourself: are you building financial innovation that moves money, or innovation that moves people forward?
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Theo Lau: Unlocking Fintech Innovation and Inclusivity
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