One Vision fintech fuse

In this week’s One Vision Podcast, Theodora Lau hosts Kathryn Outlaw, Co-Founder and COO of Spheros, a B2B SaaS platform that aims to unify client data into a single source of truth, enabling accurate, consented data sharing and supporting reliable AI agents. Kathryn talks about her entrepreneurial journey, the inspiration behind the startup, and the goal of making Spheros as essential as DocuSign for onboarding.💬Hot take:  ”Banks don't have a data scarcity problem. They have a data comprehension problem.” 🎧 Listen now wherever you get your podcasts.Keywords: Fintech, Financial Services, Data, Banking Industry Timestamp:00:00 Welcome And Guest Intro01:27 From Banking To Startup04:06 Why Spheros Exists07:58 Agents And Data Consent10:30 Open Banking Pathways15:31 Founder Lessons Learned17:01 Defining Success AheadMore about our guest 🌐Kathryn Outlaw on LinkedIn: https://www.linkedin.com/in/kathrynoutlaw/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

🎙️ "Delight is a deposit strategy."In this episode of One Vision Podcast, Angela Scott, Sales Enablement leader at Zions, joins host Theodora Lau, to discuss her idea that “delight is a deposit strategy,” arguing banks can win deposits by creating intuitive, responsive, and even enjoyable experiences that make money movement easy, especially when digital experiences are constrained by shared core and app vendors. They get into: Why delight isn’t fluffWhy the best deposit strategy makes money easy to move in and outThe chick-and-egg trap of building on the same handful of core and app providersFinancial literacy, and why communities shouldn’t bear the burdenWhy we need to make banking more legibleAngela stresses balancing efficiency and humanity through employee, digital, and brand experience to build trust. 💬 "If you want deposits, you have to bring the right environment to set them free."🎧 Listen now wherever you get your podcasts.Keywords: Fintech, FinancialServices, Banking Industry, Financial Inclusion, Financial Literacy 00:00 Welcome and Introductions01:05 Delight as Deposit Strategy04:43 Banking UX and Vendor Limits07:16 Neobank Story and Micro Delights11:46 Angela’s Origin Story17:22 Inclusion and Literacy Work25:29 Digital Efficiency vs Human Touch33:02 Brand Experience and Differentiation36:56 Takeaways and GoodbyeMore about our guest 🌐Angela Scott on LinkedIn: https://www.linkedin.com/in/angela-scott-a2348827/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision Podcast, Theo chats with Huyen Tran from US Bank and founder/investor at Elys Ventures. Huyen shares her path from computer engineering and early real-estate investing to two decades in banking product leadership and P&L ownership. She discusses why banks can appear slow due to resilience, regulation, legacy systems, and trust requirements, and how AI will accelerate prototyping, testing, data analysis, and iterative product development while meeting customer expectations for personalization and security amid rising fraud. A must-listen episode on startup, innovation, relationship building, and ecosystem thinking. 🔥"What value are you creating for everyone involved? ...Just don't forget about the people."🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, FinancialServices, VC, Startups, Banking Industry Timestamps:00:00 Welcome and Guest Intro00:53 Path to Banking05:17 Are Banks Really Slow?08:09 AI Changing Bank Product10:39 Customer Expectations and Trust13:27 Inside Elys Ventures14:18 Moats in the AI Era18:37 Founder Questions and Cycles20:27 Advice for New Founders23:41 Closing More about our guest 🌐Huyen Tran on LinkedIn: https://www.linkedin.com/in/huyen-tran-09a580aa/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision **One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Anthony Sar, Co-founder and CEO of Finoverse and the driving force behind Hong Kong Fintech Week, joins Theo on One Vision to share the story behind one of Asia's most iconic innovation gatherings. From a bar conversation about hitting 5,000 attendees (when they had 300) to welcoming 45,000 people from 120+ economies at their 10th anniversary, Anthony reflects on what it takes to build something that genuinely keeps people in the room.At the center of the conversation is Samantha, built in-house by Finoverse. She acts as your personal AI networking agent. She interviews you, learns what you're looking for, and makes introductions at scale. After a successful pilot at last year’s FinTech Week as well as the recent Genesis Festival, Samantha will return to Hong Kong FinTech Week 2026 this November.  This year’s conference is aptly themed Fintech Nexus: Bridging the World, Building the Future. It is a rallying call to drive connectivity and collaboration across global and Chinese Mainland markets, at a time when the world feels more fragmented than ever.One World, One Planet. This episode invites us to come together to foster collaboration for a more inclusive financial services ecosystem for everyone. 🔥 Hot Take: "AI can't have coffee with you. It can't go for a hike. It can't watch a comedy with you." 🔥 Hot Take: “There's so much happening in mainland China and Asia that the rest of the world simply doesn't see." 🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, FinancialServices, Startups, Hong KongTimestamps00:00 Welcome and Introductions02:59 A decade of Finoverse and Hong Kong Fintech Week 07:39 Introducing Samantha: The AI Host10:13 The Future of Events and Networking19:07 How AI Makes Human Connection More Valuable, Not Less27:55 Hong Kong Fintech Week 2026: Fintech Nexus: Bridging the World, Building the Future33:01 Closing Thoughts: One World, One PlanetMore about our guest 🌐Anthony Sar on LinkedIn: https://www.linkedin.com/in/anthonysar/ 🌐FinTech Week Hong Kong: https://www.fintechweek.hk/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision **One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this new episode of One Vision Podcast, Paolo Sironi joins Theodora Lau to unveil his new book, Quantum Sapiens, a philosophical literary thriller on artificial intelligence, quantum gravity, and the origins of human consciousness. A burning question: Why now?We talk about the "I love you" problem and what happens when we attribute meaning to words that machines give us. Paolo invites us to think about the journey ahead of us before we walk through Alice's mirror. What do we need to carry with us? What do we leave behind? An exhilarating conversation about the present and future of technology that you won't want to miss. No PhD required.📍The algorithm has no meaning. We need the entanglement and the magic of the human touch."🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, Generative AI, Quantum, EmpathyTimestamps00:00 Welcome Back Paolo00:58 Unveiling Quantum Sapiens02:38 Why Fiction Not Whitepapers06:52 From Fintech to Consciousness18:48 Illusion of AI Meaning25:06 Poetry as AI AntidoteMore about our guest 🌐Paolo Sironi on LinkedIn: https://www.linkedin.com/in/thepsironi/ 📘Quantum Sapiens: https://mybook.to/Quantum-Sapiens More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Many people in this country don't have access to reliable financial guidance — so they're increasingly asking a free chatbot instead. The problem? A general-purpose model trained on Reddit threads inherits Reddit's appetite for risk, and now that skew shows up in the conversations people are having about their money. In this new episode of One Vision Podcast, Alisha Chowdhury, Founder of Kiro Money, joins Theodora Lau to argue that the same technology, pointed with different intentions, can do the opposite: close the advice gap instead of widening it.Alisha traces the origin of Kiro back to a socioeconomically diverse Bangladeshi community in New Orleans — the "aunties and uncles" who taught her immigrant parents how to navigate an unfamiliar financial system — and to the University of Pennsylvania, where she saw real wealth and learned how it's built for the first time. After years as an investor at Vanguard and in private equity, she left for an MBA in London and started building the earliest version of Kiro: a low-code, RAG-based coach fed only sources she trusted. "Not garbage in."Today Kiro is an embedded financial intelligence layer that lets a bank or investing platform drop a context-aware AI coach directly into its own app, so users get guidance where their data and their relationship already live. A conversation about financial inclusion, the advice gap, and what it takes to build AI for money that people can actually trust. Because when it comes to money, trust has to be earned — and tested.🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, GenerativeAI, AI Agents, Chatbots📍”The vision of why I started this is to give back to people like my parents, is to give back to a younger version of myself, and making sure that access truly means access.”Timestamps00:00 Welcome and Introductions01:22 Alisha’s Founder Roots02:38 From New Orleans to Finance04:48 Career Path and MBA Pivot07:35 What Kiro Money Builds10:19 AI Agents and Product Vision12:27 Trust, Emotion, and Community17:36 Safety Guardrails and Testing22:12 Impact Metrics and ClosingMore about our guests 🌐Alisha Chowdhury on LinkedIn: https://www.linkedin.com/in/alisha-chowdhury-163808122/More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

We're halfway through 2026, and the fintech landscape is moving faster than anyone can track. In this new episode of One Vision Podcast, Theo brings back three fan favorites — Jennifer White (J.D. Power), Tiffani Montez (Insider Intelligence / EMARKETER), and Julie Muhn (Finovate) — for a midyear roundtable that covers it all.What did the recent Finovate Spring reveal about where AI is actually landing in financial services? Tiffani shares the latest from the AI Visibility Leadership Board — why banks are no longer competing for attention, they're competing for recommendations, and why the rules of discovery have completely changed. Jennifer brings the data that captures our attention: 53% of consumers used AI in the last 3 months to ask a personal finance question. While awareness of bank-provided PFM tools runs 70–90%, adoption sits at 17–22%. Soft churn is now the real primacy threat. And Julie calls out one of the hardest questions in fintech: what's real, and what's just marketing?This episode covers AI as infrastructure, the trust paradox, agentic payments, GEO vs. SEO, and why the money leaving your primary bank might be the most important signal nobody's watching closely enough.🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, GenerativeAI, AI Agents, AI Visibility, LLM📍 “AI is no longer being just tacked on to existing platforms, like customer service chatbot. It's now being integrated into solutions.” ~ Julie Muhn📍 “For decades banks spend billions of dollars competing for attention, and they're now competing for recommendations.” ~ Tiffani Montez📍  ”You being the center of how the consumer manages where their money flows is a potential new definition for primacy.” ~ Jennifer White📍 “ Would we all have a little agent that's running around trying to look for the best product for us and move money for us?” ~ Theodora LauTimestamps02:35 AI Gets Practical05:25 Consumers Using AI07:04 AI Visibility Leaderboard14:26 Trust Paradox 19:53 Primacy and Soft Churn25:38 What to Watch NextMore about our guests 🌐Jennifer White on LinkedIn: https://www.linkedin.com/in/jennifer-white-57257424/ 🌐Julie Muhn on LinkedIn: https://www.linkedin.com/in/julieschicktanz/ 🌐Tiffany Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision Podcast, Danny Friday, CEO and Founder of Sail, joins Theodora Lau to unpack why the "boring" corners of fintech — HSA and FSA accounts — are exactly where the next wave of meaningful innovation is hiding. Danny shares the origin story behind Sail: a claim over a Spanish-language dental receipt that exposed a deeper challenge about regulated industries: most of their software isn't broken by accident, it's broken by indifference to user experience. They dig into why no one had built itemized, embedded HSA/FSA infrastructure before now, what changed technically to make it possible, and why Danny insists AI should never make the hard calls. The conversation closes on a bigger bet: that within three to five years, every digital banking app will help people reimburse tax-advantaged expenses, and what that means for the industry. 🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, Healthcare, User Experience#AI #fintech #healthcare #UX #innovation #podcast Timestamps & Hot takes00:00 — Welcome, and the energy Danny brought to his pitch in Delaware01:30 — Why "boring" markets are where the money (literally) sits untouched03:00 — The stat: Americans forfeit billions in unused FSA dollars every year 05:30 — The origin story: a Mexico dental receipt, a Spanish-language invoice, and an endless loop with a benefits administrator07:00 — Regulated industries and the quiet acceptance that "software just sucks"08:30 — How Sail eliminates the HSA/FSA card entirely and why no one had built this before13:00 — The accountability question: "In most AI products, the cost of a wrong answer is embarrassment. In ours, it's an IRS audit."14:30 — Hot take: "AI should make it easy for the 95% to disappear so a human can spend all their judgment on the 5% that matters."16:00 — Trust as "new car smell" 19:00 — Inheriting trust through distribution: why showing up inside existing benefits relationships matters21:00 — AI and the founder journey: "It collapsed the barrier between an idea and a prototype."23:30 — Why understanding your industry still can't be prompted into existence25:00 — What's next: Sail's move from app to infrastructure, and a bet that every banking app will handle tax-advantaged reimbursement within 3–5 years26:30 — Closing: "We found money for you."More about our guest 🌐Danny Friday on LinkedIn: https://www.linkedin.com/in/danny-friday-b86930112/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Since 2023, illicit financial activity has surged by $1.3 trillion, reaching an estimated $4.4 trillion globally. The reason isn't a mystery: bad actors have AI now too.In this episode of One Vision Podcast, Theodora Lau sits down with Tyler Allen, CEO of Unit21, to unpack what's happening on the front lines of AI-powered fraud. Tyler was Unit21's founding software engineer and he is now leading the company through a moment he calls "have your cake and eat it too": AI is finally cheaper than the human labor it could replace, and unlike humans, it doesn't get alert fatigue.The conversation goes deeper on:• The fundamental asymmetry between attackers and defenders — and why AI made it worse• Why majority of AI pilots fail (hint: it's almost never the technology) • Why AI makes sense for financial crime prevention and detection • What he asks potential buyers, from ownership and goals, to risk tolerance and more • What every FI should be demanding from their AI vendorsA conversation about the new physics of fraud — and the human consequences of getting it wrong. 🎧 Listen now wherever you get your podcasts.📍Hot take:   ”It's a have your cake and eat it too moment … it feels good to be in a space where you do have societal impact.”Keywords: AI, AI Agents, Fintech, Fraud, Risk ManagementTimestamps00:00 Welcome and Intro00:26 Robots to AI Fraud01:31 AI Fuels Crime Surge05:19 Alert Fatigue and Checks07:26 Who Adopts AI Fastest09:30 First Questions for Buyers16:18 Vendor Evaluation Checklist22:25 Pilot to Production Lessons27:26 Tyler’s Career Origin Story31:36 Books, Podcasts, and LearningMore about our guest 🌐Tyler Allen on LinkedIn: https://www.linkedin.com/in/tylertallen/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

After more than a decade of crossing paths at conferences and following each other’s work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast. In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It’s about digging deep, listening closely, and finding solutions that truly matter. The conversation turns to AI’s rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand. And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?🎧 Listen now wherever you get your podcasts.📍Hot take: “ The next generation of financial services, if it is to correctly harness the power of AI to get there, it's not speed that matters, but understanding. And AI has to understand like you and I do as humans.” Keywords: AI, Fintech, Open Banking, Data, Future Of Work, Podcast Timestamps00:00 Welcome and Guest Intro01:42 Building Ecosystems in Appalachia07:00 Traits of Great Founders12:04 Data Access and Open Banking17:22 AI Hype vs Human Impact18:40 Agentic AI and Relationship Banking29:42 Friction Matters in Money33:45 Midyear Surprises and What’s Next39:30 Closing Thanks and FarewellMore about our guest 🌐Sarah Biller on LinkedIn: https://www.linkedin.com/in/sarahbiller/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

What happens to a deposit when the account holder dies — and why are banks so unprepared for the one moment they know is coming?In this episode of the One Vision Podcast, Theodora Lau sits down with Martha Underwood, Founder and CEO of Prismm and author of the new release: The Death of Deposits. Drawing on 25+ years across IBM, Silicon Valley, and BBVA Compass, Martha talks about the unspoken assumption in banking — that the user will always be there — and how that assumption is now colliding with the largest generational wealth transfer in history.Together, Theo and Martha unpack the retention illusion, why the beneficiary field is the richest unused lead list sitting inside every bank's core, and why deposit attrition at death is an infrastructure problem, not a marketing one. They dig into the operational reality, the cultural reality, and the human reality, and why AI's real job is orchestration under pressure (not more automation). A deeply human conversation about deposits, design, and what it really means to extend a banking relationship beyond a single account holder. 📍Hot take: “You cannot out-campaign demographics.”📍Hot take: "If you don't design for the transfer, you're going to lose the relationship."Keywords: AI, Wealth transfer, Wealth managementMore about our guest 🌐Martha Underwood on LinkedIn: https://www.linkedin.com/in/marthaunderwood/ 📘 The Death of Deposits by Martha Underwood: https://a.co/d/07TBuFvC More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.📍Hot take: "The only certainty is uncertainty."Keywords: Fintech, Financial Services, Startup, VC, Hong Kong, SME00:00 Welcome and Guest Intro01:06 The Backstory05:15 From HSBC to Startup 11:02 Expectations versus Reality 18:41 Working Capital Matters36:24 Hong Kong’s Strategic Role40:11 Closing and Takeaways**More about our guest 🌐Hay Yip on LinkedIn: https://www.linkedin.com/in/hayyip/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision **One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

What do the American people actually expect from companies deploying AI — and are corporate leaders listening?In this episode of One Vision Podcast, Theodora Lau sits down with longtime friend Tyler Spalding, Chief Marketing, Communications & Engagement Officer at JUST Capital, to unpack the organization's latest research on how the public, investors, and corporate executives view AI's impact on society, jobs, and the economy.They dig into the perception gap between public sentiment (66%) and corporate optimism (94% of investors and 90% of corporate leaders see AI as a net positive), and what that gap means for business leaders navigating workforce decisions, reskilling investments, and responsible AI deployment.The conversation also explores the tension between AI-driven efficiency gains and the human cost of disruption — from layoffs framed as AI transformation and the anxiety facing the next generation entering the workforce, as well as the importance of defining and incentivizing responsible AI through consistent, comparable standards guided by public expectations.📍Hot take: “ I've long believed that listening is a superpower.”Keywords: AI, Trust, Financial Services, Responsible AI, Future of Work, Venture Capital #AI #ResponsibleAI #FutureOfWork 00:00 Welcome and Introductions04:02 What Just Capital Does04:29 AI Optimism and Trust Gap05:43 Responsible AI Expectations12:34 Jobs Anxiety and Layoffs15:13 Reskilling and New Opportunities17:51 Next Generation and Education21:34 Defining Responsible AI StandardsMore about our guest 🌐Tyler Spalding on LinkedIn: https://www.linkedin.com/in/tyler-spalding/ 🌐Spring 2026 American Public, Investor, and Corporate Leader Perspectives on Responsible AI Deployment: AI Optimism Rises but Concerns Remain: https://justcapital.com/wp-content/uploads/2026/04/Wave-2-AI-Report.pdf More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision **One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

What separates an AI agent that demos beautifully from one that actually runs in production at a bank? In this episode of One Vision Podcast, Theodora Lau reconnects with Maté Jendrolovics, CEO and Founder of Intuitech, for a candid conversation about the reality of agentic AI in financial services — where "80% accurate" doesn't mean 80% of the value. Maté shares how Intuitech has expanded in the past year, and his idea of an AI-native bank. A grounded, hype-free conversation about doing AI in financial services the hard way — and why that's the only way it creates real value.📍Hot take: we don't treat agentic AI technology as a magical wand that does everything.Keywords: AI, Fintech, Agentic, AI Agents, Banking Industry #AI #Fintech #Agents #AgenticAI #BankingIndustry00:00 Welcome Back Maté03:10 From POCs to Production04:22 Accuracy Over Demos07:07 Composite Tech Not Magic08:49 When Not to Use GenAI10:46 Designing AI Native Workflows13:49 What Is an AI Native Bank15:15 Three Pillars of AI Native19:45 What We Want the Market to LearnMore about our guest 🌐Maté Jendrolovics on LinkedIn: https://www.linkedin.com/in/mate-jendrolovics/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-visionOne Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

When AI agents start buying and selling on our behalf, who do they really represent? In this new episode of One Vision Podcast, Theodora Lau sits down with Marc Massar — payments veteran and founder of Aura Labs — to unpack the merchant side of agentic commerce that most of the industry is overlooking. They dig into why today's agentic protocols are still walled gardens, what happens when transaction context disappears but liability doesn't, why dynamic pricing gets dangerous at machine speed, and what merchants need to do now before they get trapped in someone else's ecosystem. Marc draws on past lessons to make the case that market design — not smarter agents — is what will determine whether agentic commerce works for everyone or just the platforms that control it.00:00 Welcome and Guest Intro03:03 Protocols and Walled Gardens10:25 Who Does the Agent Serve14:20 Post Purchase Identity and Disputes22:54 Merchant Playbook for Agentic Search32:41 Consent and Payments Friction35:25 Dynamic Pricing Meets Agents39:06 Market Design and Controls44:48 Seller Data Playbook51:35 Closing 📍Hot take:  "Whose agent is it? Who benefits?"Keywords: AI, Agentic Commerce, Fintech, Autonomous Agents, Protocols, Market Design, Digital Commerce, Payments, Data Management#AI #Fintech #AgenticCommerce #Data #Payments More about our guest 🌐Marc Massar on LinkedIn: https://www.linkedin.com/in/marcmassar/  More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

While the conversation around AI often centers on automation and efficiency, the real opportunity lies in AI’s ability to act as a decision-making layer. In this episode of One Vision podcast, Theodora Lau hosts Bianca Zwart, Chief Strategy Officer at bunq, to unpack what it truly means to be AI-native. For bunq, AI isn't a feature bolted onto an existing model. It's the operating system. Bianca shares how bunq's obsession with the user experience drives every technology decision. The conversation also explores what's next for agentic AI — and why the future isn't about AI taking over, but about making users smarter supervisors of their own financial lives.Plus: bunq's bold move into the US market, the needs of the people navigating life on both sides of the Atlantic, and why Bianca believes trust — not technology — is ultimately the only thing that matters.📍Hot take: “... the first question that you always need to answer is, what is in it for the user?”📍Hot take: “You can copy features. But you cannot copy DNA (of a company).”00:00 Welcome and Introductions00:47 Why bunq Is AI Native03:42 Meet Finn GenAI Platform08:26 US Expansion Strategy13:00 User First AI Mindset18:39 Privacy Trust and Transparency22:10 AI Fraud Prevention Journey24:11 What Keeps Bianca Going27:20 Closing and FarewellKeywords: AI, Fintech, User Experience, Banking Industry, User Centricity, GenAI, AI Ethics, AI in Banking, FraudMore about our guest 🌐Bianca Zwart on LinkedIn: https://www.linkedin.com/in/bianca-zwart/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-visionOne Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In the ever-evolving world of digital banking, understanding the shifts and trends is crucial for industry practitioners and innovators. In this episode of One Vision, Theodora Lau hosts Dharmesh Mistry and Dave Wallace to explore the transformative moments in banking and fintech over the past decade, the impact of technology on the financial services industry, and the future of work. They discuss the rise of 5G, smartphones, digital banking, and the need for industry revaluation to adapt to rapid technological convergence.00:00 Introduction and Guest Welcome02:20 The Game Changers and Misreads11:57 The Role of Fintechs and Neobanks21:24 The Future of Banking: A New Paradigm32:16 Rethinking Banking for the Future34:09 AI Native Banking37:03 Jobs and the Human Contribution 📍Hot take: “ We've had a new layer of financial services by the fintechs …  and we totally overestimated the impact of these new players to the existing players.”📍Hot take:  To create a better industry industry. It doesn't have to be FinTech completed. It's. Destroying banks. It doesn't have to be banks, completely destroying newcomers. There are so much, there's so much room for us to all play together to create a better ecosystem for all of us. Keywords: AI, FinTech, Digital Banking, Financial Services, Disruption, Future of Work, 5G, Banking InnovationMore about our guests 🌐Dave Wallace on LinkedIn: https://www.linkedin.com/in/davejvwallace/ 🌐Dharmesh Mistry on LinkedIn: https://www.linkedin.com/in/dharmesh-mistry-b81207/ 🌐Demystify Podcast on Fintech Futures: https://www.fintechfutures.com/keyword/demystify-podcast More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Brandon Purcell, a former vice president and principal analyst at Forrester, recently embarked on a remarkable journey to write a book that intertwines his experiences with addiction and recovery with the concepts of artificial intelligence. In this new episode of One Vision Podcast, hosted by Theodora Lau, we dive deep into Brandon’s unique perspectives on how these two seemingly disparate topics are closely related. It is raw, vulnerable, and a reflection on how we can find our way back to authentic connection and recovery.  00:00 Welcome and Intro01:55 From Forrester to Responsible AI04:04 The Book Idea Takes Shape06:58 AI Metaphors for Addiction16:05 Advice to Younger Self20:39 Looking ForwardHot take: Be pulled by love, not fear. Hot take: Pause more and be intentional in what we do.Keywords: AI, Humanity, Mental Health, Personal Growth, Purpose More about our guest 🌐Brandon Purcell on LinkedIn: https://www.linkedin.com/in/brandoncpurcell/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

With a record number of companies vying for US bank charters, it’s crucial to understand the driving forces behind this surge. The regulatory environment is more welcoming than ever, allowing fintechs to innovate and meet the needs of consumers who feel underserved by traditional banks.  But it's not just about quantity; it’s about quality. In a saturated market, how can these new entrants provide real value that stands out? It's all about solving real problems and creating unique offerings that resonate with consumers. Keep an eye on companies that understand the nuances of the market and can adapt their strategies. What’s your take? Tune in and hear the take from Tiffani Montez and David Penn, in the latest episode of One Vision Podcast, hosted by Theodora Lau.00:00 Underserved Banking Opportunity14:44 Life Stage Subscriptions15:54 Niche Neobanks Strategy16:28 Who Will Win18:21 Incumbents Reaction20:09 Pressure To Modernize21:25 Rethinking Bank Models22:33 Trust And Charters24:36 Next 12 Months OutlookHot take: “We don’t need more banks. We need better banks.” Tiffani MontezHot take: “The sky is getting darker.” David PennKeywords: Fintech, Financial Inclusion, Neobank, Open Banking #Fintech #neobank #AI #Financialinclusion More about our guests 🌐Tiffani Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez-b794283/ 🌐David Penn on LinkedIn: https://www.linkedin.com/in/david-penn-25431313/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision **One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Theodora Lau interviews Jennifer White, Senior Director, Global Banking & Payments Intelligence at J.D. Power, about consumer behavior, financial resilience, AI in finance, and future trends. They explore how consumers are navigating financial challenges and the affordability crisis, against the backdrop of “an era of resilience” — with two-thirds of Americans being financially unhealthy. They also discuss AI's role in financial literacy, MrBeast’s move into fintech, why Chime is leading new account acquisition, and implications for existing players.Looking to understand the current and future landscape of consumer finance? Hint: Fundamentals in customer experience are more important than ever. 00:00 Welcome Back Jennifer01:24 Consumer Resilience Snapshot06:26 Holiday Reality Check16:21 MrBeast Meets Fintech23:46 Chime and New Account Churn28:41 Consumer Trust and AI Tools41:31 Back to Service FundamentalsHot take: "Basics of customer experience still matter."Keywords: AI, fintech, Buy Now Pay Later, Trust, MrBeast, Chime, Financial Resilience, Financial Literacy, Fraud, Affordability More about our guest 🌐Jennifer White on LinkedIn: https://www.linkedin.com/in/jennifer-white-57257424/  More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this new episode One Vision podcast, Theodora Lau welcomes back Christopher Mims, Technology Columnist for the Wall Street Journal, to discuss his 2026 book “How to AI,” a practical guide aimed at the 90% who aren’t early adopters. They discuss the book’s “24 Laws of AI”, the evolving role of AI in the workplace, and how to prepare for the new future (without the hype). Who will win the AI race? And what might Christopher be writing about next year? Stay till the end of the conversation for the hint … and it is not what you’d expect! You can order a copy of Mims’ new book, “How to AI”, on bookshop.org and Amazon. And you can find my recent review of the book here on LinkedIn. #AI #FutureOfWork #Agents #Automation 00:00 Welcome 01:46 Why This AI Book04:13 Durable AI Principles06:22 Competition between Firms08:58 Agents as Assembly Robots14:43 Trust and Delegation Lines16:37 Kaizen and How the Principle Applies24:05 Key TakeawaysHot take: “ We're in this early DIY phase of AI.”Hot take: “It's just as important to figure out what AI can't do for you as it is to figure out what it can do … The opportunity cost for pursuing AI for the wrong types of tasks is bigger than ever.” Keywords AI, generative AI, future of work, automation, trustMore about our guest Christopher Mims is a tech columnist for the Wall Street Journal, where he covers AI, technology, and their implications on society. His latest book, "How to AI," breaks down complex concepts into actionable insights, making AI accessible to everyone. Mims has interviewed experts across various fields, providing a comprehensive view of how AI is being integrated into different sectors.🌐Christopher Mims on LinkedIn: https://www.linkedin.com/in/christopher-mims-club/ 🌐How to AI (book): https://a.co/d/079cJso1 More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Are we moving too fast in the world of agentic commerce — a new paradigm in online shopping where AI agents act on behalf of consumers, facilitating transactions and product discovery? Unlike traditional e-commerce, where consumers interact directly with platforms, agentic commerce leverages advanced technologies to streamline the purchasing process.In this episode of One Vision — FinTech Fuse, we dive deep into the rapidly shifting landscape of agentic commerce and the alphabet soup. With the technology landscape changing at an unprecedented pace, we explore the challenges and opportunities that arise in the new world.Joining us in the discussion are industry experts, Dr. Efi Pylarinou and Jas Shah, who offer their insights on the rise of different protocols like ACP and UCP, identity verification, and the importance of a level-playing field in the future of commerce.What’s your take on this fast-paced evolution? Let’s keep the conversation going!#FinTech #AI #AgenticCommerce #AIAgents00:00 Welcome and Setup: The Agentic Commerce Alphabet Soup02:53 The Reality: Are We Moving Too Fast?07:35 Who Writes The Rules? 10:03 Which Protocol Will Win?16:20 Staying Visible: Banks Brand in Bot Era21:04 Trust Data and Curation25:44 The Economics and Gatekeepers33:57 Predictions: Who Will Emerge as The Likely Winner41:56 What Banks Should Do NextHot take: The real battle is about protocols, not models.Hot take: The future belongs to those who can optimize for AI.Keywords AI, agentic AI, commerce protocols, fintech, banking, digital transformation, identity, trust, UCP, ACPMore about our guests 🌐Dr. Efi Pylarinou on LinkedIn: https://www.linkedin.com/in/efipylarinou/ 🌐Jas Shah on LinkedIn: https://www.linkedin.com/in/jas-shah/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theodora Lau hosts Angi Milano, Founder and CEO of Maven Advisory, about her diverse career journey in financial services. They discuss the challenges and rewards of embracing independence, the importance of saying 'no', as well as the complexities and the art of selling in regulated industries. Angi shares insights on current trends in fintech, emphasizing the need for relationship building and community engagement as the industry evolves.Hot take: “… power of no and knowing when your limits really are hit and you have to turn somebody down is a powerful lesson that I wish I had learned.”Hot take: “In sales, if you are not thinking ahead, you’re falling behind.” More about our guest 🌐Angi Milano on LinkedIn: https://www.linkedin.com/in/angimilano/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision #Fintech #BankingIndustry #Community #Empathy One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision — FinTech Fuse podcast, Theodora Lau and Jas Randhawa discuss the Universal Commerce Protocol (UCP) and implications for agentic commerce. They explore the challenges of chargebacks, the need for regulatory clarity, and the importance of consumer independence in the evolving landscape of e-commerce. While adoption is likely to grow, major risks include consumer manipulation, monopolistic outcomes, and the amount of personal data agents may require (buying, browsing, health, and other patterns), increasing privacy and security concerns. Now is the time to engage with policymakers and advocate for regulatory clarity and for the well-being of consumers. 00:00 Welcome Back to One Vision + Introducing Jas Randhawa (StrategyBRIX)01:10 What Is the Universal Commerce Protocol (UCP)? The Big Picture03:27 How UCP Works: Product Cataloging for AI Shopping Agents07:05 KYA (Know Your Agent): Identity, Authorization & Trust08:58 Chargebacks in Agentic Commerce: Who’s Liable When Things Go Wrong?12:02 Fraud Detection Breaks: Geolocation, New Signals & Re-Engineering Controls13:44 Agent Independence & Consumer Protection: Bias, Collusion, and Oversight Gaps21:28 Regulatory Clarity (or Lack Thereof): The ‘Wild West’ Phase + T&Cs Reality28:06 Time to Get Ready: Travel Use Cases, Audit Trails, and Dispute Proof33:26 Sanctions, VPNs, and High-Velocity Agent Behavior: Financial Crime Risks37:12 Are We Too Early? Will Consumers Adopt—and at What Cost?42:59 Privacy, Data Control & The Need for Neutral Standards Bodies (Wrap-Up)47:45 Final Thoughts#AI #AgenticCommerce #UCP #Agents #Fintech Hot take:  ”The amount of information this agent now needs to have about me is shocking and it scares me a little bit because you're talking about buying patterns, browsing patterns, sleeping patterns, health pattern. For this agent to be really effective, it just needs to know everything that's in my head, right? It's gonna be very effective, but that's again, a major risk because no one's watching out for the consumer.”Hot take: “ The future of this world is unfortunately not you or me. It's a lot of these younger kids, their ecosystem is a lot different. These products are being designed for them.”More about our guest 🌐Jas Randhawa on LinkedIn: https://www.linkedin.com/in/randhawajas/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision ** One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this week’s One Vision Podcast, we welcome back Sandeep Mangaraj, now co-founder of Aileron Group, to discuss lessons from building a company in a crowded AI market and why AI success is more about people and process than technology. The conversation covers executives rushing into GenAI due to FOMO, the importance of starting with desired outcomes rather than applying GenAI everywhere, and why mid-market institutions may benefit from faster time-to-decision, less technical debt, and faster learning cycles. The key question is whether firms can afford the downside of waiting. And the answer is increasingly: No.00:00 Welcome Back: Meet Sandeep Mangaraj 00:55 Building Aileron: Lessons From a Crowded AI Market03:49 The AI ROI Myth: What’s Actually Being Measured?05:28 FOMO vs Outcomes: Picking the Right AI Use Cases10:09 Falling Costs & Speed of Learning12:40 Who Owns AI Outcomes and Who’s Accountable When It Breaks?14:55 Third-Party Risk: Regulators, Vendors, and Dependencies19:51 “Can You Afford to Wait?”23:02 Closing: Act With Purpose in 2026Hot take:  The barrier to AI success isn't technology, it's people and process. #AI #Fintech #GenerativeAI #DigitalTransformation One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Dive into the future of wealth with AI in Asia! 🌏🚀 Join Theodora Lau on the latest episode of One Vision podcast as she chats with Yves Roesti, Managing Partner & CEO Synpulse Group, about how AI is transforming the industry across APAC. From cultural nuances to regulatory challenges, they explore the intricate balance of human touch and technology, the unique challenges and opportunities in the region, the vision behind OpenWealth Association, and how AI impacts the future of consulting and wealthtech. 📍Hot take:“I actually think that junior consultants are uniquely positioned to be supercharged by the AI movement. The question to ask is, what skills do you need to have, in order to thrive in an AI-enabled world?  Being resilient, being creative, asking the right questions, being curious, and having empathy and having interpersonal skills.” Episode highlights  00:00 - Introduction and Welcome02:21 - AI Trends in APAC vs. US11:56 - OpenWealth Association18:00 - Future of Consulting with AI24:11 - Contrarian Views on AI 30:58 - Concluding Thoughts#AI #Fintech #WealthTech #Asia More about our guest 🌐Yves Roesti on LinkedIn: https://www.linkedin.com/in/yves-roesti/ More about our host and One Vision Podcast 🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ 🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ 🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision **One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Join Theodora Lau on this new episode of One Vision — the FinTech Fuse, as she hosts Elias Kruger, Managing Principal at Long-Range AI Consulting. Elias shares his journey from his role at Wells Fargo to launching his own AI consultancy. Discover insights into the transformative potential of AI, the importance of responsible implementation, the potential impact on training, and what the future might hold. Join the conversation and let's shape a responsible AI future together! 00:00 Introduction and Guest Welcome00:38 Elias Kruger's Career at a Big Bank05:06 Transitioning into Entrepreneurship07:02 AI's Impact on the Workplace11:46 The Future of AI and Responsible Use22:32 Hopeful Innovations in AI📍Hot take: You can't beat competition by simply cutting your staff. You have to innovate with AI, you have to grow with AI.#AI #FinTech #FutureOfWork #Innovation #ResponsibleAI #BankingOnAI #DigitalTransformation Find Elias Kruger on LinkedIn: https://www.linkedin.com/in/ekruger1/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

🌟 New episode alert! One Vision — FinTech Fuse is back with a power-packed conversation with Jody Bhagat, North America President at Engine by Starling. We talk about the critical role of technology in transforming banking operations and delivering exceptional customer experiences. Whether you're grappling with legacy systems or eyeing the cutting-edge of AI, Jody's insights offer valuable guidance on modernization strategies and the transformative potential of technology. Check out this engaging discussion to learn how this dynamic industry can be both vital and cool! 00:00 Introduction and Guest Welcome01:39 Understanding Engine by Starling04:43 Challenges and Opportunities in the US Market06:13 The Importance of Modern Technology in Banking13:58 AI and Its Impact on Banking21:38 Strategies for Bank Transformation26:31 Looking Ahead: The Future of Banking29:46 Conclusion and Farewell📍 Hot take: Most banks and credit unions are spending 70 to 80% of their IT spend just on maintaining their legacy core, and it's providing little or no differentiation.#DigitalTransformation #AI #FinTech Find Jody Bhagat on LinkedIn: https://www.linkedin.com/in/digitalbusinessgrower/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

🚀New Episode Alert! 🎙️Dive into the world of FinTech with our latest episode of One Vision — the FinTech Fuse. Join Theo and our guest Alex Jimenez, the OG of FinTech OG, as they explore the major themes for 2026 from innovation to governance, as AI and M&A take center stage. Explore how money movement might become ‘invisible’. Tune in for a thought-provoking discussion on the future of AI, digital transformation, and the evolving landscape of the banking industry.00:00 Introduction and Guest Welcome00:51 Reflecting on 2025: Key FinTech Trends03:22 AI in FinTech: Current State and Future Prospects04:09 Challenges and Considerations in AI Implementation13:27 The Evolution of Banking Industry23:34 Looking Ahead: 2026 and Beyond📍 Hot take: “When you start thinking about the daily experience of digital banking for retail customers … the next wave is conversational.”#AI #FinTech #DigitalTransformation #BankingOnAI #BankingIndustry Find Alex Jimenez on LinkedIn: https://www.linkedin.com/in/ralexjimenez/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision — FinTech Fuse, we took a deep dive into Walmart with Finovate’s very own Julie Muhn. We started with Walmart's bold move to apply for an ILC charter in 2005, their foray into fintech with OnePay, and the wide array of services they now provide beyond retail. The conversation explored Walmart’s integration of emerging technologies like AI and agentic commerce, as well as potential future developments and implications for traditional banks in retaining customer loyalty and trust in an increasingly digital financial landscape.00:00 Introduction and Guest Welcome01:07 Walmart's Evolution in Financial Services02:43 Walmart's Super App Ambitions03:41 Walmart's Diverse Service Offerings07:15 Challenges and Limitations of Walmart's App11:01 Agentic Commerce and Future Prospects18:31 Behavioral Data and Consumer Trust26:23 Conclusion and Final Thoughts📍Hot take: (Referring to Walmart) They don't just have financial data, they have behavioral data. 📍Hot take: The banking relationship or relationships will be secondary as the AI kind of chooses which payment method to use. #Walmart #Fintech #AI #AgenticCommerce Find Julie Muhn on LinkedIn: https://www.linkedin.com/in/julieschicktanz/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theo hosts Amanda Estiverne-Colas, Director of Payments Practice at Perficient. Amanda shares her journey in financial services, focusing on financial inclusion and fairness by design, as well as the importance of empathy in banking. They also touch on the challenges and opportunities within the financial ecosystem, the need to adapt to changing consumer needs, in order to build a more inclusive future.00:00 Introduction and Guest Welcome01:25 Amanda's Journey in Financial Services05:39 Empathy and Financial Inclusion06:33 Challenges and Opportunities in FinTech12:19 Global Perspectives and Innovations19:31 Consumer Protection 24:02 Closing Thoughts📍Hot take: “We're focused on automation and efficiency, have we lost the art of relationship building?”📍Hot take:  ”If self-regulation works, then why did we introduce new rules in the last decade or so?” #AI #Fintech #FinancialInclusion #Empathy Find Amanda Estiverne-Colas on LinkedIn: https://www.linkedin.com/in/amanda-e-37061b28/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In today’s fast-paced digital world, the way we interact with organizations continues to evolve. In this episode of One Vision — FinTech Fuse, Theo sits down with Charles Oligbo, founder and CEO of Sawport. They discuss how Sawport is filling a gap in the banking experience with virtual branches, enabling customers to engage with their financial institutions without the need for physical visits while still maintaining the personal touch and security needed in today’s world. Banking should be accessible to everyone, anytime, and anywhere. How important is accessibility in banking for you? And what features would you like to see in your experience next? #AI #VirtualBanking #Innovation #CX #DigitalTransformation #BankingTechnology #FinTech  📍Hot take:  Why don't we just take the branch and put it right at their fingertip where they can do everything without having to step out of their house? 00:00 Introduction and Guest Welcome00:36 Inspiration Behind Sawport01:34 Virtual Branch and Target Market07:33 Challenges and Future Capabilities13:08 Future Vision and AI IntegrationFind Charles Oligbo on LinkedIn: https://www.linkedin.com/in/charlesoligbo/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision the Fintech Fuse, we chat with Kristen Castell, Managing Director, Fintech CAFE (Center for Accelerating Financial Equity) and Ryan Venderlic, Program Manager at CAFE. The trio discuss the accelerator program's evolution, its focus on financial equity for low to moderate-income communities, and the transformative power of collaboration among founders. Kristen and Ryan also share insights on the impact of AI in fintech and future disruptions in financial services. Tune in to learn how CAFE is fostering mission-driven fintech innovations and supporting their founders post-program.00:00 Introduction and Guest Welcome01:17 Insights from the CAFE Accelerator Program03:32 Evolution of the FinTech Ecosystem05:32 Post-Program Support for Alumni and the Founders Circles09:52 Mission-Driven FinTech and Challenges13:21 The Role of AI in FinTech17:24 Future Disruptions in Financial Services#AI #Fintech #FinancialServices #FinancialInclusion #BankingIndustry 📍 Hot Take: “Amazing people is Number One for us.”Find Kristen Castell on LinkedIn: https://www.linkedin.com/in/kriscastell/   Find Ryan Venderlic on LinkedIn: https://www.linkedin.com/in/ryan-venderlic-b6964458/   Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

🚀 What's the countdown after Thanksgiving? The new year! 🎙️ Our latest One Vision episode tackles what's ahead for the banking industry in 2026. Theo is joined by Pam Kaur, Tiffani Montez, and Julie Muhn where they dive deep into the unpredictable world of 2025 and discuss the trends shaping the future of fintech, AI, payments, and consumer finance. Don’t miss the bold predictions and thought-provoking discussions on agentic commerce, open banking, data sharing, and more! 00:00 Introduction and Guest Welcome01:04 Reflecting on 2025: Unpredictable Events02:11 Economic Challenges and Consumer Finance02:47 Market Trends08:19 The Rise of Agentic Commerce10:49 Ethics and Security in an AI Era14:14 Future of Banking and Payments28:31 1033 and Data Sharing 32:23 Crystal Ball Predictions for 2026📍 Hot take: “If you have generative AI tools that are controlling the product discovery and recommendation, you lose all the data associated with that. I think there's definitely not a lot of dialogue about what gen AI means for banking in terms of product discovery.” ~ Tiffani Montez📍 Hot take: “Is anybody tracking how much money they have on their Starbucks card as like an asset?” ~ Pam Kaur📍 Hot take: “So know your customer, know your business. And now we're looking at KYA, Know Your Agent … We are probably severely behind when it comes to authentication and the security and privacy of it all.” ~ Julie Muhn#AI #Fintech #Payments #Agents #AgenticCommerce #Data🔗 Finovate White Paper: Fintech at the Crossroadshttps://get.informaconnect.com/finovate-2025-white-paper-fintech-at-the-crossroads/?web Find Pam Kaur on LinkedIn: https://www.linkedin.com/in/pamkaur001/ Find Tiffani Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez-b794283/ Find Julie Muhn on LinkedIn: https://www.linkedin.com/in/julieschicktanz/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Who’s in on the digital revolution?In this episode of One Vision, Theo welcomes back Simon Kemp, Chief Analyst of DataReportal and Founder of Kepios, for a deep dive into the latest Digital 2026 report. The duo explores the monumental amount of data published over the past six months, including insights on AI usage, internet adoption, socio-demographic disparities, and the hyperbole surrounding digital media. Key highlights include the conservative estimate of over 1 billion monthly users of standalone AI tools, the challenges of internet accessibility in rural areas and among women, and the role of AI in our society. Join us for a thought-provoking discussion on digital trends and the future of our digital economy.00:00 Introduction and Guest Welcome00:53 Digital 2026 Report Overview02:40 AI Usage Statistics05:09 AI in China and Global Impact07:42 AI Tools and User Behavior23:40 Debunking Myths About AI and Agentic Commerce25:54 Consumer Behavior and AI Adoption34:46 Global Internet Access Disparities39:25 Projections for Digital Trends in 2026Hot Take: “ … understanding my place in the universe and my broader purpose as a human being. That's such a deep, profound conversation, and we're having it with robots. It. There's something ironic. A computer program.”Hot Take: “ Nothing in any of this is a binary choice and we've got to stop kidding ourselves that there is this magic one ring to rule them all. 'cause there isn't.”#AI #GenerativeAI #AgenticAI #Internet #Digital #Inclusion Find Simon Kemp on LinkedIn: https://www.linkedin.com/in/eskimon/ 🔗Digital 2026 Report via DataReportal: https://datareportal.com/reports/?tag=Global Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this special on-location episode of One Vision, we welcome Andreas Mettenberger, Managing Director of Synpulse Hong Kong, to discuss the latest trends and opportunities in wealth management. Recorded during the 10th anniversary of Hong Kong FinTech Week, we explore the role of technology in wealth management, differences in regional approaches, and the mindset change needed to create new growth opportunities. Andreas emphasizes the potential of AI to streamline operations and enhance client interactions, anticipating a significant acceleration in AI deployment in the coming years.📍 Hot take: The main opportunity for RMs (relationship managers) is not that they will be replaced, but they will become more effective and they will be able to do more within the same amount of time. 00:00 Introduction and Welcome01:32 Challenges in Digital Transformation05:19 AI in Wealth Management09:01 Regional Differences in Wealth Management14:35 The Future of AI in Financial Services17:45 Looking Ahead to 2024#AI #FinancialServices #WealthManagement #DigitalBanking #Innovation #HongKong Find Andreas Mettenberger on LinkedIn: https://www.linkedin.com/in/andreas-mettenberger/   Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, host Theo welcomes Pamela Villanova, VP of Digital Banking at American Eagle Financial Credit Union. They discuss the credit union's major milestone in conducting a digital banking conversion and the multi-year journey it entailed. Pam shares insights into the strategic focus they adopted, emphasizing user experience, data utilization, and the importance of partnerships. The conversation also delves into broader industry trends, such as the rapid adoption of AI and blockchain, and the importance of human connection and adaptability in the face of accelerating change. Tune in to learn about the future of digital banking and how to balance the diverse member needs and innovation.00:00 Introduction and Guest Welcome01:17 Digital Banking Conversion Journey04:01 Strategic Focus and Challenges06:56 Lessons Learned and Industry Insights10:44 Balancing Member Needs and Innovation19:28 Future Challenges and Opportunities30:47 Conclusion and Final Thoughts#AI #FinancialServices #BankingIndustry #DigitalTransformation #Innovation Find Pamela Villanova on LinkedIn: https://www.linkedin.com/in/pamela-villanova/  Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theo is joined by Alex Matjanec, founder and CEO of Wysh, and Jim Perry, an advocate for financial inclusivity. The trio delve into how institutions can offer real value and build trust with customers by embedding financial protection into everyday banking. Jim and Alex also discuss the broader implications of financial literacy and the efforts of The National Alliance for Financial Literacy and Inclusion (NAFLI) to bridge gaps in financial education.  Innovation and inclusion aren't separate paths — tune in and be inspired to go beyond good.  00:00 Founder’s Inspiration05:48 The Importance of Embedded Insurance27:59 The Role of Financial Literacy and Inclusion34:56 Conclusion and Final Thoughts📍Hot Take: “There's so much more that could be done to improve the financial wellness of consumers around the United States and around the world.”#FinancialServices #BankingIndustry #FinancialInclusion #TechForGood #EmbeddedFinance Find Alex Matjanec on LinkedIn: https://www.linkedin.com/in/alexmatjanec/ Find Jim Perry on on LinkedIn: https://www.linkedin.com/in/jasperry/  🔗About Wysht: https://venturebeat.com/author/louis-columbus 🔗About NAFLI: https://www.nafli.org/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theo chats with Louis Columbus, a prominent columnist for VentureBeat, about his work at the intersection of AI and cybersecurity. They discuss the rapid pace of AI development, the concept of shadow AI, and the importance of learning and intellectual growth. Additionally, they delve into the role of AI in writing and its impact on research. Louis also shares his thoughts on how to prepare the next generation for a tech-driven future, emphasizing the importance of parental support and using AI as a tool to enhance skills and competitiveness. Tune in for an enriching conversation that spans from technical writing and professional insights to parenting.📍Hot Take: “ You look at data across a landscape, the landscape is almost like a painting. And the data are the colors in the painting and it tells you a story.” 00:00 Introduction and Guest Welcome03:23 Exploring AI and Cybersecurity09:40 The Importance of Data Storytelling18:31 Advice for the Next GenerationFind Louis Columbus on LinkedIn: https://www.linkedin.com/in/louiscolumbus/ 🔗Articles by Louis Columbus on VentureBeat: https://venturebeat.com/author/louis-columbus Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ #AI #DigitalTransformation #CyberSecurity One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, we welcome Wayne Miller, EVP, Chief Innovation Officer at ICBA, for an insightful conversation on the importance of community banks and evolution of fintech partnerships. Wayne shares his personal journey into the financial services industry and his passion for improving financial lives. The discussion touches on the challenges and opportunities in a digitally evolving landscape, including the roles of technology, AI, and payments. Tune in to hear Wayne's thoughts on the future of banking and his perspective on the biggest shifts in community banking.00:00 Introduction01:42 Reflecting on the Past Decade03:25 The Spirit of Community Banking05:30 The Art of Matchmaking in FinTech06:22 Evolution of Bank-FinTech Partnerships14:42 The Role of AI and Technology in Banking22:37 Future of Payments and Financial Services28:59 Community Banks and Financial Wellness32:30 Predictions and Reflections for the Future📍Hot Take: "Community banks are a critical part of the infrastructure and the vertebrae of this country."Find Wayne Miller on LinkedIn: https://www.linkedin.com/in/wayne-miller-2212a974/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, we welcome Sean Scott, SVP Partnership & Personalization at U.S. Bank, to discuss the evolution of digital banking, and the intersection of innovation and execution. The conversation dives into Sean's journey in leading digital transformation initiatives at the bank and being customer obsessed. Sean shares his insights on the importance of blending technology and human elements, and the role of AI. We also explore the dynamics of FinTech partnerships and their potential to multiply value for customers. Tune in to learn how to be the true champion of the customer in the digital era.#AI #Fintech #FinancialServices #DigitalTransformation #CustomerExperience #Leadership 00:00 Introduction and Guest Welcome01:35 Sean's Background and Role at US Bank03:40 Key Lessons and A-Ha Moments in Digital Banking09:32 Empathy and Customer-Centric Approach16:18 Partnerships Between Banks and FinTechs20:54 Future Technologies and Their Impact📍Hot Take: Who will be the Doordash of financial services? Find Sean Scott on LinkedIn: https://www.linkedin.com/in/seanoscott/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theo hosts Priya Gore, General Manager and Head of Cloud and AI Platform Solutions for US Financial Services at Microsoft, where they explore the expanded role of CFOs and impact of AI. Gore dispels common myths about AI, emphasizing its democratization and responsible usage. She highlights the importance of organizational readiness and the future of AI-driven work environments. The conversation underscores how AI can transform businesses, enhance customer experiences, and drive innovation, urging leaders to embrace AI thoughtfully and strategically.00:00 Introduction and Guest Welcome02:07 Impact of AI on CFOs and Finance Teams04:27 Addressing Myths and Pitfalls of AI05:54 AI in Regulated Industries08:19 AI-First Leadership and Organizational Change10:14 Future of Work and AI Agents14:06 Democratizing AI and Final Thoughts#AI #FinancialServices #CFO #FutureOfWork #Innovation #MSFTAmbassador📍Hot Take: If you take the technology off the table and just ideate about where do we want to bring more value to our business or to our clients and our stakeholders, those are usually the winning places to get started with AI.Find Priya Gore on LinkedIn: https://www.linkedin.com/in/priyagore/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision podcast, we sit down with Pete Chapman, CTO of Grasshopper Bank, discussing the bank's innovative approach to digital banking, the integration of AI in their operations, and the importance of culture. We explore the evolving landscape of business banking, the challenges faced by small businesses, and the future of digital lending and money movement. Pete shares insights on how Grasshopper Bank aims to bridge the gap between fintech and traditional banking, emphasizing the need for a collaborative ecosystem to enhance customer experience by leveraging cutting edge technology.📍Hot Take: "We are nothing without our people."00:00 Meet Pete Chapman: CTO of Grasshopper Bank05:57 Grasshopper Bank's Digital Strategy09:53 AI Strategy and Implementation at Grasshopper13:44 Internal AI Success and Future Plans30:36 Partnering for Technological Innovation39:18 Future Trends in Business Banking#AI #FinTech #FinancialServices #SmallBusiness #BankingIndustry #BankingOnAI #Innovation Find Peter Chapman on LinkedIn: https://www.linkedin.com/in/peter-chapman-3768908/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, we sit down with Allison Cerra, Chief Marketing Officer at Alkami, to explore how anticipatory banking moves financial services beyond personalization into prediction. The conversation dives into the evolution of consumer technology in financial services, drawing parallels with the music industry, and highlights the importance of personalization and hyper-personalization at scale. They explore how AI and behavioral data are transforming the banking experience, the significance of the $84 trillion intergenerational wealth transfer, and the implications for regional and community financial institutions. Join Allison and Theo for a dynamic discussion on the challenges and opportunities in creating a better digital banking experience for all generations.#AI #Fintech #FinancialServices #BankingIndustry #AnticipatoryBanking 📍Hot Take: What I hope to see is more deposits going from Wall Street to Main Street. I hope to see vibrant communities that continue to flourish.00:00 Introduction and Guest Welcome00:30 Revisiting CoLab and Generational Trends01:08 Understanding Anticipatory Banking01:55 The Evolution of Digital Banking11:25 Generational Wealth Transfer and Its Impact21:35 The Role of AI and Behavioral Data23:51 Future of Financial Institutions29:03 Conclusion and Final ThoughtsFind Allison Cerra on LinkedIn: https://www.linkedin.com/in/acerra/ 🔗About Alkami: https://www.alkami.com/ 🔗About Anticipatory Banking: https://www.alkami.com/anticipatory-banking/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, we welcome Martyna Lewinska, a seasoned technologist, startup advisor, and mentor. Martyna shares her extensive experience in building tech organizations, supporting founders as a fractional CTO, and launching successful products. We discuss the responsibilities and challenges of being a founder, the importance of execution, and the current landscape of implementing emerging technologies like AI. Martyna shares her insights into how companies can effectively adopt new technologies and the transformative opportunities that exist in financial institutions' use of AI. Tune in for a deep dive into the multifaceted world of technology and entrepreneurship.00:00 Introduction and Guest Welcome00:46 Martyna's Background and Journey01:42 Building and Launching Products05:02 Advice for Aspiring Entrepreneurs06:01 Challenges and Misconceptions of Founders10:41 Implementing Emerging Technologies15:01 Fraud Detection and Financial Crime17:58 Cultural Differences in Tech Adoption22:27 Looking Back and Looking Forward 🔥Hot take: Just do it!#AI #Fintech #CTO #Innovation #Entrepreneurship #Startup **About Martyna Lewinska: https://www.linkedin.com/in/martynalewinska/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this special episode of One Vision, we welcome Stessa Cohen, Jim Perry, and Efi Pylarinou to the show as they celebrate the inception and evolution of the FinTech Book Club. We went back in time to two years ago when a panel at Finovate inspired the creation of the book club, which aims to foster community and disseminate thought leadership through reading and discussion. Our friends share their special moments from the past two years and review some of the impactful books they've read. We also discuss emerging trends in FinTech, including AI and stablecoins. What’s on everyone’s reading list? What to expect at the upcoming Finovate panel on Sept 7th and the next Fintech Book Club LinkedIn Live event on Sept 9th? Tune in now and join the conversation.🔥Hot take: “ These books are all interconnected.”Tune in to Apple Podcast, Spotify, and YouTube for the full conversation. #AI #Fintech #Books #Finovate00:00 Introduction and Special Guests00:58 The Birth of the FinTech Book Club02:45 Building Community Through Books05:04 Impact of Industry-Specific Books09:31 Engaging with Authors and Special Moments17:11 Future Book Club Reads and Industry Trends22:49 Upcoming Finovate and Final Thoughts**About Fintech Book Club: https://www.linkedin.com/company/fintechbookclub/about/ About Stessa Cohen: https://www.linkedin.com/in/stessacohen/ About Jim Perry: https://www.linkedin.com/in/jasperry/ About Efi Pylarinou: https://www.linkedin.com/in/efipylarinou/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, we welcome Tony Fish, author of 'Decision Making in Uncertain Times', for a deep dive into the complexities of corporate governance in the age of data and AI. Tony shares his unique perspective on corporate governance, the importance of asking the right questions, and the role of human elements like trust and empathy in technology. As he urged us,  we have to find a way, through love, hope, and faith, to counterbalance everything else that's going on through things which are deeply human. It’s a must-listen (and must-watch) for thinkers, technologists, and business leaders alike.🔥Hot take: “ In our drive for efficiency, we lose efficacy.”Tune in to Apple Podcast, Spotify, and YouTube for the full conversation. 00:00 Introduction and Guest Welcome00:44 Tony Fish's Writing Journey01:45 Corporate Governance of Data04:16 Open vs. Closed Governance06:43 Challenges in Modern Governance08:19 AI and the Future of Human Agency12:43 Accountability and Security in AI18:05 Asking the Right Questions26:57 The Role of Trust and Empathy**Find Tony Fish on LinkedIn: https://www.linkedin.com/in/tonyfish/ 🔗About Tony’s book, Decision Making in Uncertain Times: https://a.co/d/5K1XKcM Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

Can AI be a force for good in social care? In this episode of One Vision, we welcome Nima Roohi Sefidmazgi, CEO and Co-Founder of Blooming Health. Nima shares his journey from being an immigrant and data scientist to founding a company aimed at providing comprehensive social care through technology, particularly focusing on the elderly and underserved populations. He talks about the inspiration behind Blooming Health and the broader vision of making social care scalable and equitable, and the importance of balancing technological efficiency with human touch.00:00 Introduction and Welcome01:38 Nima's Background and Journey04:08 The Birth of Blooming Health09:41 Challenges and Innovations in Social Care15:39 The Role of AI in Social Care23:07 Balancing Technology and Human Touch33:33 Future of Social Care and Technology**Find Nima Roohi on LinkedIn: https://www.linkedin.com/in/nima-roohi/details/education/Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ #AI #Innovation #SocialCare #Caregiving #Technology One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this new episode of One Vision Podcast, we welcome Dr. Maryam Ashoori, VP of Product and Engineering at IBM. We discuss Maryam’s journey into AI and delve into the ethical considerations companies should prioritize when building AI systems, emphasizing data quality and the impact on society. Maryam shares insights on the misconceptions about AI and offers guidance for the next generation. Tune in for an in-depth discussion on the responsible implementation and future potential of AI technology.00:00 Introduction 01:22 Journey into AI05:01 Importance of ethics and responsibility in AI development13:30 Common misconceptions 18:14 Advice for organizations implementing AI22:29 Future applications of AI26:29 Advice for the next generationHot takes: 🔥  ”There is less attention to the problems and how technology can solve it, versus AI is here, we want it. Whoever gets it, it solves their problems and they move on. I think this is the biggest misconception.” 🔥 “No matter what our role is in the industry today, it's gonna evolve, and I think we should be open into where it's evolving to.”#AI #Data #Ethics #FutureOfWork #Innovation #DigitalTransformation #Leadership **Find Dr. Maryam Ashoori on LinkedIn: https://www.linkedin.com/in/mashoori/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

In this new episode of One Vision, we chat with Simon Kemp, Founder of Kepios, also known for his comprehensive reports on the digital world via DataReportal. Simon shares the evolution of his work over 15 years, highlighting key insights into digital adoption trends across different countries and demographics. From the rise of mobile internet in Japan to the significant shifts in YouTube's user demographics, the conversation delves into how cultural nuances influence digital behaviors. We also talk about the future potential and challenges of AI technologies, and the importance of enabling innovation that is actually useful for people’s everyday lives. A must-listen for anyone interested in the intersection of culture, technology innovation, and the digital ecosystem.📍”Culture is the most important driver of technical behavior … The human comes before the digital.”00:00 Introduction and Guest Welcome: Simon Kemp01:25 The Evolution of Digital Reports05:58 Demographic Insights and Digital Trends13:33 Challenges in the Digital Information Ecosystem21:40 Global Digital Behaviors and Surprising Trends25:54 Cultural Influences on Digital Behavior28:55 Understanding Global Diversity33:17 The AI Hype and Its Real Impact41:39 Future Trends and Predictions46:46 Concluding Thoughts **Find Simon Kemp on LinkedIn: https://www.linkedin.com/in/eskimon/ 🔗 The latest Digital 2025 July Global Statshot Report via DataReportal: https://datareportal.com/reports/digital-2025-july-global-statshot   Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ #AI #Culture #Data #Digital #Mobile #Podcast #Innovation #TrendsOne Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.