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Briana Marbury grew up in Detroit with one bank in the neighborhood. She opened an account after her first job. Then came the overdraft fees, and the fees on the fees. She had a choice: gas and groceries, or the bank. The bank account closed. So she went to the check-cashing place on the corner, five dollars at a time, for years — while the unpaid fees went to collections and marked a credit file that had barely started. Financial exclusion doesn't always look like someone outside the banking system. Sometimes it looks like a closed account, a check-cashing counter, and a damaged credit file. Briana Marbury, President & CEO of Interledger Foundation, joins Theodora Lau to talk about living it — and about the unglamorous infrastructure work that could stop it happening to someone else. But technology in and of itself was not going to be enough. They close the conversation on what’s next: Mexico, Colombia, and a growing push into US community banks and CDFIs. And on what gives Briana hope: that when she walks into a room with a government, they're not asking whether interoperability matters. They're asking how fast it can happen. Hot take 🔥"I have a choice between either buying gas, buying groceries, or paying a bank fee bill — when I can go access my money right away at this corner store for five dollars." 🎧 Listen now wherever you get your podcasts. Keywords: fintech, personal finance, financial inclusion, payments, cross-border payments, remittances, Interledger Protocol, Briana Marbury, Interledger Foundation #FinancialInclusion #CrossBorderPayments #Fintech #Payments Timestamp: 00:00 Welcome and Introductions 01:09 Interledger Foundation Origins 02:59 Hidden Financial Exclusion 05:54 Personal Stories and Literacy 07:55 Interoperability for Inclusion 09:16 Fixing Cross Border Payments 13:48 Why Fees Persist 15:50 Lessons Working with Regulators 18:11 Plans for 2027 More about our guest 🌐Briana Marbury on Linkedin: https://www.linkedin.com/in/brianamarbury/ 🌐Interledger Foundation: https://interledger.org/ 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.

Every few years someone tells us banking is about to be disrupted. It never quite happens. So when Dharmesh Mistry and Lou Carlozo came on to talk about their new book, The Intelligent Ledger, I asked: Why is this time different? Dharmesh's take? Banking has adopted plenty of individual technologies, from mainframe to client-server, internet, mobile, cloud. None of them disrupted anything. But the iPhone didn't win by being a better phone. Nokia was building a better phone. Kodak was building a better camera. Garmin was building a better GPS. The iPhone was all of them at once, and the market reorganised around it in under five years. His claim is that banking now has its own version of that convergence — what he and Lou call the Quanvergence: open, accessible data; agentic AI; tokenisation; and quantum, arriving together rather than in sequence. Not the best AI bank. Not the best tokenised rails. All of it, in one place. So platform or pipe? And who will win?  📱 The Intelligent Ledger ships at the end of September from Palgrave Macmillan.  Hot take 🔥"Banks have already chosen pipe, but they're not admitting it. Nobody wants to hear it. If you're selling products and that's all that you're doing, you're making your money from margin on a product — that makes you a pipe. So just admit it and get on with it." — Dharmesh Mistry Hot take 🔥"Change or die by 2032." — Lou Carlozo 🎧 Listen now wherever you get your podcasts. Keywords: Fintech, Financial Services, Agentic AI, AI, Quantum, Digital Transformation, Tokenization  Timestamp: 00:00 Welcome and Guests 00:50 Introducing The Intelligent Ledger 03:29 Why Five Years 06:58 Convergence and Platform Shift 09:31 Skepticism and CEO Courage 13:38 Four Forces  17:10 Small Banks Can Compete 22:05 Bold Claims and 2032 Deadline 34:37 Release Dates and Where to Buy More about our guests  🌐Dharmesh Mistry on LinkedIn: https://www.linkedin.com/in/dharmeshmistry2020/  🌐Lou Carlozo on LinkedIn: https://www.linkedin.com/in/loucarlozo/  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.

🎙️Agentic Commerce's Real Bottleneck Isn't the Technology — with Jas Shah A year and a half ago, agentic commerce was going to change everything. Type a prompt, get a package. So what actually happened? In this episode of One Vision Podcast, Theodora Lau sits down with fintech product expert Jas Shah for a clear-eyed look at where agentic commerce really stands. The technology has mobilized, but as Jas puts it, becoming ready is not the same as being ready. Disputes, chargebacks, and fraud liability haven't been solved for a world where transaction volume could rise exponentially. And consumer behavior hasn't moved at all: they will use AI for discovery, then still tap Apple Pay to buy.  The conversation turns on a single test: utility. Where an agent removes genuine administrative burden, it wins. Where the person actually wants to choose, it doesn't. Which is why Jas argues the real early adopters are businesses: inventory systems, product codes, predictable repeat purchasing, and a procurement decision that comes down to price and delivery speed.  Ready for a bold bet for 2030? It involves a wallet …  💬Hot take: "The tech is becoming ready, but I don't think anyone can say it's ready yet." 🎧 Listen now wherever you get your podcasts. Keywords: Fintech, Financial Services, AI, Agentic Commerce  Timestamp: 00:00 Welcome and Intro 00:57 Agentic Commerce Reality Check 04:45 Trust and Value Exchange 08:55 Why Businesses Adopt First 11:29 Authorization and Fraud Guardrails 13:22 PSPs and Wallets Strategy 17:27 What People Get Wrong 19:23 Agentic Finance for SMEs 24:37 Personal Finance Utility 27:18 Bold Bet for 2030 More about our guest  🌐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 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 Intro 01:27 From Banking To Startup 04:06 Why Spheros Exists 07:58 Agents And Data Consent 10:30 Open Banking Pathways 15:31 Founder Lessons Learned 17:01 Defining Success Ahead More 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 legible Angela 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 Introductions 01:05 Delight as Deposit Strategy 04:43 Banking UX and Vendor Limits 07:16 Neobank Story and Micro Delights 11:46 Angela’s Origin Story 17:22 Inclusion and Literacy Work 25:29 Digital Efficiency vs Human Touch 33:02 Brand Experience and Differentiation 36:56 Takeaways and Goodbye More 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 Intro 00:53 Path to Banking 05:17 Are Banks Really Slow? 08:09 AI Changing Bank Product 10:39 Customer Expectations and Trust 13:27 Inside Elys Ventures 14:18 Moats in the AI Era 18:37 Founder Questions and Cycles 20:27 Advice for New Founders 23:41 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 Kong Timestamps 00:00 Welcome and Introductions 02:59 A decade of Finoverse and Hong Kong Fintech Week  07:39 Introducing Samantha: The AI Host 10:13 The Future of Events and Networking 19:07 How AI Makes Human Connection More Valuable, Not Less 27:55 Hong Kong Fintech Week 2026: Fintech Nexus: Bridging the World, Building the Future 33:01 Closing Thoughts: One World, One Planet More 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, Empathy Timestamps 00:00 Welcome Back Paolo 00:58 Unveiling Quantum Sapiens 02:38 Why Fiction Not Whitepapers 06:52 From Fintech to Consciousness 18:48 Illusion of AI Meaning 25:06 Poetry as AI Antidote More 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.” Timestamps 00:00 Welcome and Introductions 01:22 Alisha’s Founder Roots 02:38 From New Orleans to Finance 04:48 Career Path and MBA Pivot 07:35 What Kiro Money Builds 10:19 AI Agents and Product Vision 12:27 Trust, Emotion, and Community 17:36 Safety Guardrails and Testing 22:12 Impact Metrics and Closing More 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 Lau Timestamps 02:35 AI Gets Practical 05:25 Consumers Using AI 07:04 AI Visibility Leaderboard 14:26 Trust Paradox  19:53 Primacy and Soft Churn 25:38 What to Watch Next More 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 takes 00:00 — Welcome, and the energy Danny brought to his pitch in Delaware 01:30 — Why "boring" markets are where the money (literally) sits untouched 03:00 — 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 administrator 07:00 — 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 before 13:00 — 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 matters 21:00 — 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 existence 25:00 — 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 years 26:30 — 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 vendors A 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 Management Timestamps 00:00 Welcome and Intro 00:26 Robots to AI Fraud 01:31 AI Fuels Crime Surge 05:19 Alert Fatigue and Checks 07:26 Who Adopts AI Fastest 09:30 First Questions for Buyers 16:18 Vendor Evaluation Checklist 22:25 Pilot to Production Lessons 27:26 Tyler’s Career Origin Story 31:36 Books, Podcasts, and Learning More 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  Timestamps 00:00 Welcome and Guest Intro 01:42 Building Ecosystems in Appalachia 07:00 Traits of Great Founders 12:04 Data Access and Open Banking 17:22 AI Hype vs Human Impact 18:40 Agentic AI and Relationship Banking 29:42 Friction Matters in Money 33:45 Midyear Surprises and What’s Next 39:30 Closing Thanks and Farewell More 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 management More 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, SME 00:00 Welcome and Guest Intro 01:06 The Backstory 05:15 From HSBC to Startup  11:02 Expectations versus Reality  18:41 Working Capital Matters 36:24 Hong Kong’s Strategic Role 40:11 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.