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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 Welcome 02:20 The Game Changers and Misreads 11:57 The Role of Fintechs and Neobanks 21:24 The Future of Banking: A New Paradigm 32:16 Rethinking Banking for the Future 34:09 AI Native Banking 37:03 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 Innovation More 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  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 Intro 01:55 From Forrester to Responsible AI 04:04 The Book Idea Takes Shape 06:58 AI Metaphors for Addiction 16:05 Advice to Younger Self 20:39 Looking Forward Hot 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  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 Opportunity 14:44 Life Stage Subscriptions 15:54 Niche Neobanks Strategy 16:28 Who Will Win 18:21 Incumbents Reaction 20:09 Pressure To Modernize 21:25 Rethinking Bank Models 22:33 Trust And Charters 24:36 Next 12 Months Outlook Hot take: “We don’t need more banks. We need better banks.” Tiffani Montez Hot take: “The sky is getting darker.” David Penn Keywords: 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  ** 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 Jennifer 01:24 Consumer Resilience Snapshot 06:26 Holiday Reality Check 16:21 MrBeast Meets Fintech 23:46 Chime and New Account Churn 28:41 Consumer Trust and AI Tools 41:31 Back to Service Fundamentals Hot 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 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 Book 04:13 Durable AI Principles 06:22 Competition between Firms 08:58 Agents as Assembly Robots 14:43 Trust and Delegation Lines 16:37 Kaizen and How the Principle Applies 24:05 Key Takeaways Hot 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, trust More 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  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 #AIAgents 00:00 Welcome and Setup: The Agentic Commerce Alphabet Soup 02:53 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 Era 21:04 Trust Data and Curation 25:44 The Economics and Gatekeepers 33:57 Predictions: Who Will Emerge as The Likely Winner 41:56 What Banks Should Do Next Hot 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, ACP More 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  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 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 Picture 03:27 How UCP Works: Product Cataloging for AI Shopping Agents 07:05 KYA (Know Your Agent): Identity, Authorization & Trust 08:58 Chargebacks in Agentic Commerce: Who’s Liable When Things Go Wrong? 12:02 Fraud Detection Breaks: Geolocation, New Signals & Re-Engineering Controls 13:44 Agent Independence & Consumer Protection: Bias, Collusion, and Oversight Gaps 21:28 Regulatory Clarity (or Lack Thereof): The ‘Wild West’ Phase + T&Cs Reality 28:06 Time to Get Ready: Travel Use Cases, Audit Trails, and Dispute Proof 33:26 Sanctions, VPNs, and High-Velocity Agent Behavior: Financial Crime Risks 37:12 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  **   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 Market 03:49 The AI ROI Myth: What’s Actually Being Measured? 05:28 FOMO vs Outcomes: Picking the Right AI Use Cases 10:09 Falling Costs & Speed of Learning 12:40 Who Owns AI Outcomes and Who’s Accountable When It Breaks? 14:55 Third-Party Risk: Regulators, Vendors, and Dependencies 19:51 “Can You Afford to Wait?” 23:02 Closing: Act With Purpose in 2026 Hot take:  The barrier to AI success isn't technology, it's people and process.  #AI #Fintech #GenerativeAI #DigitalTransformation 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 Welcome 02:21 - AI Trends in APAC vs. US 11:56 - OpenWealth Association 18:00 - Future of Consulting with AI 24:11 - 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  ** 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 Welcome 00:38 Elias Kruger's Career at a Big Bank 05:06 Transitioning into Entrepreneurship 07:02 AI's Impact on the Workplace 11:46 The Future of AI and Responsible Use 22:32 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/  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 Welcome 01:39 Understanding Engine by Starling 04:43 Challenges and Opportunities in the US Market 06:13 The Importance of Modern Technology in Banking 13:58 AI and Its Impact on Banking 21:38 Strategies for Bank Transformation 26:31 Looking Ahead: The Future of Banking 29:46 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/  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 Welcome 00:51 Reflecting on 2025: Key FinTech Trends 03:22 AI in FinTech: Current State and Future Prospects 04:09 Challenges and Considerations in AI Implementation 13:27 The Evolution of Banking Industry 23:34 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/  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 Welcome 01:07 Walmart's Evolution in Financial Services 02:43 Walmart's Super App Ambitions 03:41 Walmart's Diverse Service Offerings 07:15 Challenges and Limitations of Walmart's App 11:01 Agentic Commerce and Future Prospects 18:31 Behavioral Data and Consumer Trust 26:23 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/  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 Welcome 01:25 Amanda's Journey in Financial Services 05:39 Empathy and Financial Inclusion 06:33 Challenges and Opportunities in FinTech 12:19 Global Perspectives and Innovations 19:31 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/  Hosted on Acast. See acast.com/privacy for more information.