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- 🇦🇪AE · Management#813K to 10K
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1.9K to 6.9K🎙 Daily cadence·371 episodes·Last published 5d ago - Monthly Reach
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6.5K to 23K🇦🇪43%🇮🇪43%🇵🇹13% - Active Followers
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2.6K to 9.2K
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Recent episodes
From Prototype to Trust: Danny Friday on Building AI-Powered Benefits Infrastructure
Jun 21, 2026
Unknown duration
When the Fraudsters Have AI Too — Inside the New Fraud Reality with Tyler Allen
Jun 15, 2026
Unknown duration
The Constraint Isn't AI — It's the Data. With Sarah Biller, Fintech Sandbox
Jun 8, 2026
Unknown duration
The Death of Deposits — Why Banks Are Losing the Largest Wealth Transfer in History — with Martha Underwood
Jun 1, 2026
Unknown duration
Scale Now, Not Later — FundPark's Hay Yip on Working Capital for SMEs
May 26, 2026
Unknown duration
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 6/21/26 | ![]() From Prototype to Trust: Danny Friday on Building AI-Powered Benefits Infrastructure | 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. | — | ||||||
| 6/15/26 | ![]() When the Fraudsters Have AI Too — Inside the New Fraud Reality with Tyler Allen | 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. | — | ||||||
| 6/8/26 | ![]() The Constraint Isn't AI — It's the Data. With Sarah Biller, Fintech Sandbox | 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. | — | ||||||
| 6/1/26 | ![]() The Death of Deposits — Why Banks Are Losing the Largest Wealth Transfer in History — with Martha Underwood | 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. | — | ||||||
| 5/26/26 | ![]() Scale Now, Not Later — FundPark's Hay Yip on Working Capital for SMEs | 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. | — | ||||||
| 5/18/26 | ![]() What Does Good Look Like? Tyler Spalding on Public Trust, Responsible AI, and the Future of Work | 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. | — | ||||||
| 5/11/26 | ![]() Putting AI Agents Into Real Banking Workflows | 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. | — | ||||||
| 5/5/26 | ![]() Whose Agent Is It? The Merchant Side of Agentic Commerce with Marc Massar | 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. | — | ||||||
| 4/27/26 | ![]() AI as the Operating System: Inside bunq's AI-Native Approach to Fintech | 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. | — | ||||||
| 4/18/26 | ![]() From iPhone to AI-Native Banking: Rethinking Customer Journeys, Platform Strategy, and Human Value in a Tech-Driven World✨ | digital bankingfintech+4 | Dharmesh MistryDave Wallace | iPhoneOne Vision+9 | — | 5Gsmartphones+2 | — | 45m 25s | |
Want analysis for the episodes below?Free for Pro Submit a request, we'll have your selected episodes analyzed within an hour. Free, at no cost to you, for Pro users. | |||||||||
| 4/9/26 | ![]() On Personal Growth: Chasing purpose, curiosity, and love✨ | Personal GrowthAddiction+2 | Brandon Purcell | ForresterOne Vision Podcast+4 | — | AIHumanity+2 | — | 25m 09s | |
| 3/29/26 | ![]() Neobanks, Subscriptions, and Trust: Who Can Win in the U.S. Market?✨ | NeobanksSubscriptions+4 | Tiffani MontezDavid Penn | One Vision PodcastNeobank+2 | U.S.US | FintechFinancial Inclusion+2 | — | 28m 34s | |
| 3/22/26 | ![]() How AI is Transforming Financial Literacy and Customer Trust✨ | AIfinancial literacy+4 | Jennifer White | ChimeMrBeast's fintech+7 | — | Buy Now Pay LaterTrust+4 | — | 47m 33s | |
| 3/15/26 | ![]() AI Beyond the Hype — A Conversation on Tech, Trust, and Transformation with Christopher Mims✨ | AItechnology+2 | Christopher Mims | How to AIthe Wall Street Journal+7 | — | 24 Laws of AIfuture of work+1 | — | 36m 14s | |
| 3/9/26 | ![]() The Future of AI Agents and Agentic Commerce✨ | AI agentsagentic commerce+3 | Jas ShahDr Efi Pylarinou | ACPUCP+5 | — | FinTechAI+2 | — | 44m 31s | |
| 3/2/26 | ![]() Navigating the FinTech Landscape: A Journey of Independence✨ | FinTechindependence+3 | Angi Milano | One VisionMaven Advisory+5 | — | financial serviceschallenges+3 | — | 32m 05s | |
| 2/23/26 | ![]() Unpacking the road to agentic commerce — Exploring risk, governance, and consumer protection✨ | agentic commerceUniversal Commerce Protocol+8 | Jas Randhawa | Universal Commerce ProtocolStrategyBRIX+4 | — | consumer independencemanipulation+3 | — | 48m 18s | |
| 2/16/26 | ![]() Achieving AI Success: A Pragmatic Focus on Outcomes Over Hype✨ | AIFintech+2 | Sandeep Mangaraj | Aileron GroupOne Vision Podcast+3 | — | AI successpeople and process+3 | — | 23m 40s | |
| 2/7/26 | ![]() Exploring AI in Asia and the future of consulting✨ | AIconsulting+3 | Yves Roesti | OpenWealth AssociationOne Vision+5 | AsiaAPAC+1 | fintechtechnology+2 | — | 31m 59s | |
| 2/2/26 | ![]() Beyond Spreadsheets: Fostering Innovation in the Age of AI | 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. | — | ||||||
| 1/26/26 | ![]() At the inflection point of AI and bank modernization | 🌟 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. | — | ||||||
| 1/19/26 | ![]() The evolution of fintech, AI and the future of banking industry | 🚀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. | — | ||||||
| 1/12/26 | ![]() The Evolution of Walmart into a FinTech Powerhouse | 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. | — | ||||||
| 1/4/26 | ![]() Building a fairer and more inclusive financial ecosystem | 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. | — | ||||||
| 12/15/25 | ![]() Bridging the banking experience gap with virtual branch solutions | 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. | — | ||||||
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