One Vision Podcast — Fintech, Banking, and AI with Theodora Lau
byTheodora Lau
BusinessManagementTechnology
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...
Episodes(40 episodes)
Unpacking the road to agentic commerce — Exploring risk, governance, and consumer protection
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 co...
Published: Feb 23, 2026Duration: 48m 18s
Achieving AI Success: A Pragmatic Focus on Outcomes Over Hype
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 answ...
Published: Feb 16, 2026Duration: 23m 40s
Exploring AI in Asia and the future of consulting
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...
Published: Feb 7, 2026Duration: 31m 59s
Beyond Spreadsheets: Fostering Innovation in the Age of AI
Join Theodora Lau on this new episode of One Vision — the FinTech Fuse, as she hosts Elias Kruger, Managing Principal at Long-Range AI Consulting. Elias shares his journey from his role at Wells Fargo to launching his own AI consultancy. Discover insights into the transformative potential of AI, the importance of responsible implementation, the potential impact on training, and what the future might hold. Join the conversation and let's shape a responsible AI future together! 00:00 Introduction and Guest Welcome00:38 Elias Kruger's Career at a Big Bank05:06 Transitioning into Entrepreneurship<p...
Published: Feb 2, 2026Duration: 26m 10s
At the inflection point of AI and bank modernization
🌟 New episode alert! One Vision — FinTech Fuse is back with a power-packed conversation with Jody Bhagat, North America President at Engine by Starling. We talk about the critical role of technology in transforming banking operations and delivering exceptional customer experiences. Whether you're grappling with legacy systems or eyeing the cutting-edge of AI, Jody's insights offer valuable guidance on modernization strategies and the transformative potential of technology. Check out this engaging discussion to learn how this dynamic industry can be both vital and cool! 00:00 Introduction and Guest Welcome01:39 Understanding Engine by Starling04:43 Challenges and Op...
Published: Jan 26, 2026Duration: 30m 27s
The evolution of fintech, AI and the future of banking industry
🚀New Episode Alert! 🎙️Dive into the world of FinTech with our latest episode of One Vision — the FinTech Fuse. Join Theo and our guest Alex Jimenez, the OG of FinTech OG, as they explore the major themes for 2026 from innovation to governance, as AI and M&A take center stage. Explore how money movement might become ‘invisible’. Tune in for a thought-provoking discussion on the future of AI, digital transformation, and the evolving landscape of the banking industry.00:00 Introduction and Guest Welcome00:51 Reflecting on 2025: Key FinTech Trends03:22 AI in FinTech: Current State a...
Published: Jan 19, 2026Duration: 27m 16s
The Evolution of Walmart into a FinTech Powerhouse
In this episode of One Vision — FinTech Fuse, we took a deep dive into Walmart with Finovate’s very own Julie Muhn. We started with Walmart's bold move to apply for an ILC charter in 2005, their foray into fintech with OnePay, and the wide array of services they now provide beyond retail. The conversation explored Walmart’s integration of emerging technologies like AI and agentic commerce, as well as potential future developments and implications for traditional banks in retaining customer loyalty and trust in an increasingly digital financial landscape.00:00 Introduction and Guest Welcome01:07 Walmart's Evolut...
Published: Jan 12, 2026Duration: 29m 24s
Building a fairer and more inclusive financial ecosystem
In this episode of One Vision, Theo hosts Amanda Estiverne-Colas, Director of Payments Practice at Perficient. Amanda shares her journey in financial services, focusing on financial inclusion and fairness by design, as well as the importance of empathy in banking. They also touch on the challenges and opportunities within the financial ecosystem, the need to adapt to changing consumer needs, in order to build a more inclusive future.00:00 Introduction and Guest Welcome01:25 Amanda's Journey in Financial Services05:39 Empathy and Financial Inclusion06:33 Challenges and Opportunities in FinTech12:19 Global Perspectives...
Published: Jan 4, 2026Duration: 29m 36s
Bridging the banking experience gap with virtual branch solutions
In today’s fast-paced digital world, the way we interact with organizations continues to evolve. In this episode of One Vision — FinTech Fuse, Theo sits down with Charles Oligbo, founder and CEO of Sawport. They discuss how Sawport is filling a gap in the banking experience with virtual branches, enabling customers to engage with their financial institutions without the need for physical visits while still maintaining the personal touch and security needed in today’s world. Banking should be accessible to everyone, anytime, and anywhere. How important is accessibility in banking for you? And what features would y...
Published: Dec 15, 2025Duration: 18m 4s
Shaping tomorrow's fintech and innovating for impact
In this episode of One Vision the Fintech Fuse, we chat with Kristen Castell, Managing Director, Fintech CAFE (Center for Accelerating Financial Equity) and Ryan Venderlic, Program Manager at CAFE. The trio discuss the accelerator program's evolution, its focus on financial equity for low to moderate-income communities, and the transformative power of collaboration among founders. Kristen and Ryan also share insights on the impact of AI in fintech and future disruptions in financial services. Tune in to learn how CAFE is fostering mission-driven fintech innovations and supporting their founders post-program.00:00 Introduction and Guest W...
Published: Dec 7, 2025Duration: 22m 35s
Fintech Trends: Unwrapping 2025 and predicting 2026
🚀 What's the countdown after Thanksgiving? The new year! 🎙️ Our latest One Vision episode tackles what's ahead for the banking industry in 2026. Theo is joined by Pam Kaur, Tiffani Montez, and Julie Muhn where they dive deep into the unpredictable world of 2025 and discuss the trends shaping the future of fintech, AI, payments, and consumer finance. Don’t miss the bold predictions and thought-provoking discussions on agentic commerce, open banking, data sharing, and more! 00:00 Introduction and Guest Welcome01:04 Reflecting on 2025: Unpredictable Events02:11 Economic Challenges and Consumer Finance02:47 M...
Published: Nov 30, 2025Duration: 33m 50s
Who's in on the Digital Revolution? Global internet trends, AI adoption, and the shifting tides of consumer behaviors
Who’s in on the digital revolution?In this episode of One Vision, Theo welcomes back Simon Kemp, Chief Analyst of DataReportal and Founder of Kepios, for a deep dive into the latest Digital 2026 report. The duo explores the monumental amount of data published over the past six months, including insights on AI usage, internet adoption, socio-demographic disparities, and the hyperbole surrounding digital media. Key highlights include the conservative estimate of over 1 billion monthly users of standalone AI tools, the challenges of internet accessibility in rural areas and among women, and the role of AI in ou...
Published: Nov 23, 2025Duration: 42m 26s
Transforming Wealth Management with FinTech and AI — An APAC Perspective
In this special on-location episode of One Vision, we welcome Andreas Mettenberger, Managing Director of Synpulse Hong Kong, to discuss the latest trends and opportunities in wealth management. Recorded during the 10th anniversary of Hong Kong FinTech Week, we explore the role of technology in wealth management, differences in regional approaches, and the mindset change needed to create new growth opportunities. Andreas emphasizes the potential of AI to streamline operations and enhance client interactions, anticipating a significant acceleration in AI deployment in the coming years.📍 Hot take: The main opportunity for RMs (relationship managers) is not tha...
Published: Nov 16, 2025Duration: 19m 13s
Building Connections: People, Technology, and Financial Services
In this episode of One Vision, host Theo welcomes Pamela Villanova, VP of Digital Banking at American Eagle Financial Credit Union. They discuss the credit union's major milestone in conducting a digital banking conversion and the multi-year journey it entailed. Pam shares insights into the strategic focus they adopted, emphasizing user experience, data utilization, and the importance of partnerships. The conversation also delves into broader industry trends, such as the rapid adoption of AI and blockchain, and the importance of human connection and adaptability in the face of accelerating change. Tune in to learn about the future of digital...
Published: Nov 9, 2025Duration: 31m 24s
Making financial protection more accessible
In this episode of One Vision, Theo is joined by Alex Matjanec, founder and CEO of Wysh, and Jim Perry, an advocate for financial inclusivity. The trio delve into how institutions can offer real value and build trust with customers by embedding financial protection into everyday banking. Jim and Alex also discuss the broader implications of financial literacy and the efforts of The National Alliance for Financial Literacy and Inclusion (NAFLI) to bridge gaps in financial education. Innovation and inclusion aren't separate paths — tune in and be inspired to go beyond good. 00:00 Founder’s Inspiration05:48 T...
Published: Oct 25, 2025Duration: 37m 5s
Exploring AI, Cybersecurity, and Future Tech
In this episode of One Vision, Theo chats with Louis Columbus, a prominent columnist for VentureBeat, about his work at the intersection of AI and cybersecurity. They discuss the rapid pace of AI development, the concept of shadow AI, and the importance of learning and intellectual growth. Additionally, they delve into the role of AI in writing and its impact on research. Louis also shares his thoughts on how to prepare the next generation for a tech-driven future, emphasizing the importance of parental support and using AI as a tool to enhance skills and competitiveness. Tune in for an...
Published: Oct 20, 2025Duration: 21m 56s
Navigating transformation — Creating better banking experiences beyond transactions
In this episode of One Vision, we welcome Wayne Miller, EVP, Chief Innovation Officer at ICBA, for an insightful conversation on the importance of community banks and evolution of fintech partnerships. Wayne shares his personal journey into the financial services industry and his passion for improving financial lives. The discussion touches on the challenges and opportunities in a digitally evolving landscape, including the roles of technology, AI, and payments. Tune in to hear Wayne's thoughts on the future of banking and his perspective on the biggest shifts in community banking.00:00 Introduction01:42 R...
Published: Oct 13, 2025Duration: 38m 57s
Discover the future of digital banking, where technology meets humanity
In this episode of One Vision, we welcome Sean Scott, SVP Partnership & Personalization at U.S. Bank, to discuss the evolution of digital banking, and the intersection of innovation and execution. The conversation dives into Sean's journey in leading digital transformation initiatives at the bank and being customer obsessed. Sean shares his insights on the importance of blending technology and human elements, and the role of AI. We also explore the dynamics of FinTech partnerships and their potential to multiply value for customers. Tune in to learn how to be the true champion of the customer in the digital...
Published: Oct 6, 2025Duration: 29m 0s
Unlocking Value with AI — A CFO's Guide to Innovation
In this episode of One Vision, Theo hosts Priya Gore, General Manager and Head of Cloud and AI Platform Solutions for US Financial Services at Microsoft, where they explore the expanded role of CFOs and impact of AI. Gore dispels common myths about AI, emphasizing its democratization and responsible usage. She highlights the importance of organizational readiness and the future of AI-driven work environments. The conversation underscores how AI can transform businesses, enhance customer experiences, and drive innovation, urging leaders to embrace AI thoughtfully and strategically.00:00 Introduction and Guest Welcome02:07 Impact of AI on...
Published: Sep 29, 2025Duration: 20m 52s
Bridging Fintech and Banking with AI: The Grasshopper Approach
In this episode of One Vision podcast, we sit down with Pete Chapman, CTO of Grasshopper Bank, discussing the bank's innovative approach to digital banking, the integration of AI in their operations, and the importance of culture. We explore the evolving landscape of business banking, the challenges faced by small businesses, and the future of digital lending and money movement. Pete shares insights on how Grasshopper Bank aims to bridge the gap between fintech and traditional banking, emphasizing the need for a collaborative ecosystem to enhance customer experience by leveraging cutting edge technology.📍Hot Take: "We are...
Published: Sep 22, 2025Duration: 44m 53s