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.
We believe there are many innovation stories that have impact on people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, and One Voice.
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
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.
Agentic Commerce's Real Bottleneck Isn't the Technology
Saison 8
mardi 8 septembre 2026 • Durée 28:29
🎙️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."
Breaking banking barriers with a single source of truth
Saison 8
mardi 25 août 2026 • Durée 18:32
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
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 fluff
Why the best deposit strategy makes money easy to move in and out
The chick-and-egg trap of building on the same handful of core and app providers
Financial literacy, and why communities shouldn’t bear the burden
Why 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."
Building Faster with AI: Trust, Speed, and Ecosystem Thinking
Saison 8
lundi 3 août 2026 • Durée 24:04
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 :
The Human Edge: AI, Trust, and the Future of Connection
Saison 8
dimanche 26 juillet 2026 • Durée 33:50
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
The Map and the Landscape: Paolo Sironi on Quantum Sapiens, AI, and the Meaning Machines Can't Carry
Saison 8
mercredi 22 juillet 2026 • Durée 36:51
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."
The Coach Inside Your Banking App — Alisha Chowdhury on Closing the Advice Gap with AI
Saison 8
lundi 6 juillet 2026 • Durée 25:34
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.”
Competing for Recommendations: The AI Midyear Pulse Check
Saison 8
lundi 29 juin 2026 • Durée 32:30
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
From Prototype to Trust: Danny Friday on Building AI-Powered Benefits Infrastructure
Saison 8
dimanche 21 juin 2026 • Durée 27:49
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."
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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