One Vision Podcast — Fintech, Banking, and AI with Theodora Lau

When was the last time you actually spoke with a customer and asked how you could help them? No — we don't mean a survey or through a video chat, but actually meeting and talking to one of your customers. Even in the days of digital banking, there is always going to be a need for physical space and human interaction. We might still need a branch or two. Or even physical money. In this episode of One Vision, Theo and Bradley chat with Jim Perry, Senior Strategist at Market Insights Inc., on why bankers need to get outside their bubble a bit more. Road trip anyone?

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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From payments and embedded finance to wealthtech and crypto, there is never a dull moment in the land of fintech. And there is no sign that the activity is waning. According to CB Insights, Q2 FinTech startups picked up $30.8B, growing 30% quarter-to-quarter. Year-to-date funding exceeded 2020’s total by 24%. Southeast Asia and Latin America, in particular, have seen great momentum in recent months. 

In this episode of One Vision, Theo and Bradley chat with Jason Mikula on the wild wild west of fintech, what it feels like to live in the Netherlands, and the latest with his brilliant Fintech Business Weekly substack newsletter.

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.

As the saying goes, “I have not failed 1,000 times, I have successfully found 1,000 ways that will not make a light bulb.” This — or some version of it — is often credited to Thomas Edison, on his quest to come up with an efficient incandescent lamp. 

As we look back at past innovations, and marvel at the ingenuity and perseverance of scientists and entrepreneurs, what inspires you? And how do our lived experiences influence the paths that we choose to follow and what values we hold dear? 

In this episode of One Vision, Theo and Bradley chat with Emeka Nwonu about his past, present, and future — from Nigeria, UK, and beyond

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.

Let’s talk about debt. Not financial debt. Not technical debt. But human debt — “the equivalent to Technical Debt but for people”, according to Duena Blomstrom, author of the latest book, “People Before Tech: The Importance of Psychological Safety and Teamwork in the Digital Age”.  As the saying goes, people are your greatest asset. For any digital transformation projects to succeed, beyond the tech stack, merely having smart people on the team isn’t sufficient; we also need to take care of them. They need to feel motivated, valued, and respected. In this episode of One Vision, Theo and Bradley chat with Duena about her latest book and the importance of doing the people work.

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.

Apart from its dramatic coastline, hidden coves, turquoise waters, and beautiful beaches with pink sands, Bermuda is also a well-established offshore financial center, home to the second largest reinsurance market. The island nation has also created an infrastructure and ecosystem to foster innovation in blockchain technology, supported by a tiered regulatory approach that includes the Digital Asset Business Act and a regulatory sandbox. 

In this episode of One Vision, Theo and Bradley chat with Chris Garrod, Director, Insurance and Technology at Conyers Dill & Pearman, on the wild wild west of crypto and beyond. While there is no CBDC planned for Bermuda, Chris told us that we might be able to buy rum with digital Bermuda dollars soon. Do we need more reason for a fintech meetup on the beach

One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech.

Hosted on Acast. See acast.com/privacy for more information.

While banking should be a borderless experience, in reality, it is far from it. Immigrant communities for example, face a list of challenges from language barriers to lack of credit history and high cost of remittance. In 2018 alone, US immigrants spent over US$1 trillion, with international students contributing $42 billion to that sum. The market is ripe for change.

In this episode of #OneVision, Theo and Bradley chat with Ken Lian, Co-founder & CEO of Cheese Financial, the first banking solution designed for immigrants in the U.S. that does not require a social security number or credit history. Cheese also features a social component, with cash back that empowers consumers to support Asian owned businesses and restaurants. 

In the age of deep social divide, we were inspired by Ken’s passion and drive to make a positive impact. And we hope you will too.

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.

Years from now, when we look back at this pandemic, what data will have been the most critical? While we normally talk about data in the context of financial services, and the importance of data and technologies like artificial intelligence to assist our ability to deliver a more inclusive future, the data we will remember from this moment of time is health data related to Corona-19 and the lives impacted by each number this data represents.    

In this episode of our #OneVision podcast, Theodora and Bradley talk to Susan Joseph, CEO and Co-Founder of HealthTrends.AI. With an experienced background across financial services and the law, with efforts focused around financial data, identity, artificial intelligence, and blockchain technologies, Susan helps us navigate through the past year from the story of the data behind this virus. You’ll learn why open source and public data were the real heroes in battling this disease, and what we should all look at as the lessons and opportunities for future health of humanity.

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.

According to a recent survey, nearly two-thirds of full-time employees indicated that their financial stress has increased since the start of the pandemic. To engage and retain productive employees, companies must help foster a culture of financial wellness and support to help their workforce better manage their finances and plan for the future. Providing access to financial wellness benefits can become a key differentiator when the labor market is tight; it can also positively impact the organization’s bottom line by relieving employee financial stress. 

In this episode of One Vision, Theo and Bradley chat with Rebecca Liebman, co-founder and CEO of LearnLux on her entrepreneurship journey, and creating a better world through the power of technology.

One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech.

Hosted on Acast. See acast.com/privacy for more information.

Whether it’s the Queen’s bank in the U.K., a neobank in Brazil, a challenger fintech in the U.S., or one of the mighty superapp platforms of Asia, there is nothing more central to that conversation than compliance, risk, and regulation. This is especially true as it relates to data, privacy, and the evolution of the financial services business model. Yet this trifecta of controls are often overlooked.    

In this episode of our #OneVision podcast, Theodora and Bradley talk to Victoria Martin, Head of Client Risk and Compliance at 10x Future Technologies. With leading roles in risk, compliance, and regulatory matters, and time spent at 11FS, ClearBank, Octopus, Tandem Money, and RBS among them, our conversation covered a lot of ground. Join us as we learn more about the differences in how startups and banks approach compliance, how open banking standards differ across geographies, and where Victoria thinks we are heading next when it comes to regulation.

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 does the future hold for a cashless economy? The day when all of us might have digital wallets with a selection of digital currencies might not be too far out to the future, according to Richard Turrin, author of new book “Cashless”, and an expert on China’s fintech developments and the digital currency revolution.

In this episode of One Vision, Theo and Bradley chat with Richard about the current CDBC landscape across different regions around the world, the superapp ecosystem, and the role of big tech in the innovation economy.

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.