Shows
One Vision fintech fuseUnpacking the road to agentic commerce — Exploring risk, governance, and consumer protectionIn 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...
2026-02-2348 min
One Vision fintech fuseExploring AI in Asia and the future of consultingDive 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...
2026-02-0731 min
Pondering AINavigating AI in Banking with Theodora LauTheodora Lau banks on AI becoming our financial GPS and OS but flags required waypoints to protect consumer data rights, maintain trust and close the digital divide.Theo and Kimberly discuss the progression toward a financial GPS powered by AI; consumer data rights and trust; the billion dollar question for 2026; analog identify verification; reducing risk and improving the customer experience; valuing people above transactions; the widening digital divide; upskilling and reskilling; cultivating curiosity and reclaiming time; financial security as the foundation for health; agentic commerce and AI as the financial OS; and always being human....
2026-02-0452 min
One Vision fintech fuseBeyond Spreadsheets: Fostering Innovation in the Age of AIJoin 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
2026-02-0226 min
One Vision fintech fuseAt 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...
2026-01-2630 min
One Vision fintech fuseThe 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...
2026-01-1927 min
One Vision fintech fuseThe Evolution of Walmart into a FinTech PowerhouseIn 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...
2026-01-1229 min
One Vision fintech fuseBuilding a fairer and more inclusive financial ecosystemIn 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...
2026-01-0429 min
One Vision fintech fuseBridging the banking experience gap with virtual branch solutionsIn 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...
2025-12-1518 min
One Vision fintech fuseShaping tomorrow's fintech and innovating for impactIn 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...
2025-12-0722 min
One Vision fintech fuseFintech 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...
2025-11-3033 min
One Vision fintech fuseWho'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...
2025-11-2342 min
One Vision fintech fuseTransforming Wealth Management with FinTech and AI — An APAC PerspectiveIn 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...
2025-11-1619 min
One Vision fintech fuseBuilding Connections: People, Technology, and Financial ServicesIn 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...
2025-11-0931 min
One Vision fintech fuseMaking financial protection more accessibleIn 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...
2025-10-2537 min
One Vision fintech fuseExploring AI, Cybersecurity, and Future TechIn 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...
2025-10-2021 min
One Vision fintech fuseNavigating transformation — Creating better banking experiences beyond transactionsIn 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...
2025-10-1338 min
One Vision fintech fuseDiscover the future of digital banking, where technology meets humanityIn 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...
2025-10-0629 min
One Vision fintech fuseUnlocking Value with AI — A CFO's Guide to InnovationIn 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...
2025-09-2920 min
One Vision fintech fuseBridging Fintech and Banking with AI: The Grasshopper ApproachIn 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...
2025-09-2244 min
One Vision fintech fuseFrom personalization to prediction: Unlocking the next wave of financial services with Anticipatory BankingIn this episode of One Vision, we sit down with Allison Cerra, Chief Marketing Officer at Alkami, to explore how anticipatory banking moves financial services beyond personalization into prediction. The conversation dives into the evolution of consumer technology in financial services, drawing parallels with the music industry, and highlights the importance of personalization and hyper-personalization at scale. They explore how AI and behavioral data are transforming the banking experience, the significance of the $84 trillion intergenerational wealth transfer, and the implications for regional and community financial institutions. Join Allison and Theo for a dynamic discussion on the c...
2025-09-1431 min
One Vision fintech fuseBreaking boundaries — The journey from ideation to impactIn this episode of One Vision, we welcome Martyna Lewinska, a seasoned technologist, startup advisor, and mentor. Martyna shares her extensive experience in building tech organizations, supporting founders as a fractional CTO, and launching successful products. We discuss the responsibilities and challenges of being a founder, the importance of execution, and the current landscape of implementing emerging technologies like AI. Martyna shares her insights into how companies can effectively adopt new technologies and the transformative opportunities that exist in financial institutions' use of AI. Tune in for a deep dive into the multifaceted world of technology and entrepreneurship.
2025-09-0727 min
One Vision fintech fuseDon’t stop at one book — Fintech Book Club two year anniversaryIn this special episode of One Vision, we welcome Stessa Cohen, Jim Perry, and Efi Pylarinou to the show as they celebrate the inception and evolution of the FinTech Book Club. We went back in time to two years ago when a panel at Finovate inspired the creation of the book club, which aims to foster community and disseminate thought leadership through reading and discussion. Our friends share their special moments from the past two years and review some of the impactful books they've read. We also discuss emerging trends in FinTech, including AI and stablecoins. ...
2025-09-0144 min
One Vision fintech fuseNavigating trust, governance, and the human element in the age of AIIn this episode of One Vision, we welcome Tony Fish, author of 'Decision Making in Uncertain Times', for a deep dive into the complexities of corporate governance in the age of data and AI. Tony shares his unique perspective on corporate governance, the importance of asking the right questions, and the role of human elements like trust and empathy in technology. As he urged us, we have to find a way, through love, hope, and faith, to counterbalance everything else that's going on through things which are deeply human. It’s a must-listen (and must-watch) for think...
2025-08-2635 min
One Vision fintech fuseRevolutionizing Social Care with AICan AI be a force for good in social care? In this episode of One Vision, we welcome Nima Roohi Sefidmazgi, CEO and Co-Founder of Blooming Health. Nima shares his journey from being an immigrant and data scientist to founding a company aimed at providing comprehensive social care through technology, particularly focusing on the elderly and underserved populations. He talks about the inspiration behind Blooming Health and the broader vision of making social care scalable and equitable, and the importance of balancing technological efficiency with human touch.00:00 Introduction and Welcome...
2025-08-1148 min
One Vision fintech fuseBeyond the hype: From foundations to future applications of AIIn this new episode of One Vision Podcast, we welcome Dr. Maryam Ashoori, VP of Product and Engineering at IBM. We discuss Maryam’s journey into AI and delve into the ethical considerations companies should prioritize when building AI systems, emphasizing data quality and the impact on society. Maryam shares insights on the misconceptions about AI and offers guidance for the next generation. Tune in for an in-depth discussion on the responsible implementation and future potential of AI technology.00:00 Introduction 01:22 Journey into AI05:01 Importance of ethics and responsibility in AI development1...
2025-08-0432 min
One Vision fintech fuseExploring Global Digital Trends — Digging into the data with Simon KempIn this new episode of One Vision, we chat with Simon Kemp, Founder of Kepios, also known for his comprehensive reports on the digital world via DataReportal. Simon shares the evolution of his work over 15 years, highlighting key insights into digital adoption trends across different countries and demographics. From the rise of mobile internet in Japan to the significant shifts in YouTube's user demographics, the conversation delves into how cultural nuances influence digital behaviors. We also talk about the future potential and challenges of AI technologies, and the importance of enabling innovation that is actually useful for people’s ev...
2025-07-2848 min
One Vision fintech fuseNavigating Today’s Volatile Landscape: à la FinTech Supper ClubWhat happens in fintech conferences … doesn’t need to stay within the conference halls. Curious to hear what we talk about at fintech dinners? Join Julie Muhn, Millicent Tracey, Pam Kaur, Tammy Bangs, and Theodora Lau on this week’s One Vision — FinTech Fuse for a dynamic discussion on the current state of FinTech. From the sudden halt of Klarna's IPO (IP No!) and the impact of market volatility, to the implications of deregulation and the rise of stablecoins, there is (unfortunately) no lack of topics at the dinner table. How will the current economic environment influence consumer behavior? How can small...
2025-04-1542 min
Knowing Me, Knowing You5. Beyond Money: Building Intergenerational Financial Wellness with Theodora LauWhat if your financial advisor supported your family’s holistic health and wellness, across generations?In this episode, we sit down with Theodora Lau, influencer, serial author focused on the future of money, and founder of Unconventional Ventures, to explore how financial services can do better—not just collecting data but using it to help people live well. We talk about what real financial inclusion looks like, why aging populations are an opportunity (not a problem), and how tech can help the industry serve more people, not just the lucky few.🎧 Key Takeaways:🔹 What build...
2025-04-0133 min
(A)bsolutely (I)ncredible PodcastBanking on (Artificial) Intelligence with Author Theodora Lau, Founder of Unconventional VenturesBuy Theodora's book Banking on (Artificial) Intelligence: https://amzn.to/4iwVogr Connect with Theodora on LinkedIn: https://www.linkedin.com/in/theodoralau/ Thank you to Theodora Lau for taking time to sit down with me for a chat about her new book: Banking on (Artificial) Intelligence explores the transformative potential of AI in the financial services sector, delving into its historical evolution, current applications, and future implications.Theodora’s book serves as both a guide and a call to action, emphasizing the need for responsible AI development to create a fairer, more equitable fi...
2025-03-1457 min
One Vision fintech fuseDigital Dollars, Digital Dangers: Navigating a cashless worldDive into the evolving world of fintech and digital payments in this new episode of One Vision — FinTech Fuse! Host Theodora Lau sits down with Neeraj Mathur, a tech veteran who recently transitioned from the Bay Area to Bengaluru, India, bringing unique insights into the global fintech landscape.Explore the nuanced realities of a cashless society, where technological innovation meets security challenges. Neeraj shares critical perspectives on digital payments, highlighting the essential need for robust security strategies in fintech and payments. Learn why cybersecurity must be a proactive boardroom priority, not an afterthought, and how comprehensive policies ca...
2024-12-0941 min
One Vision fintech fusePayments Decoded: Global Fintech Frontiers | One Vision PodcastPayments Decoded: Global Fintech Frontiers | One Vision PodcastDive into the rapidly evolving world of financial technology with Theodora Lau and the one and only Carol Grunberg, unpacking the future of global payments. Go beyond traditional payment narratives to explore:Emerging market innovations and the rise of mobile wallets How younger generations outside of the are reshaping financial servicesThe intersection of AI and financial technologiesThe future of payments beyond traditional credit and debitPayments 3.0 and global interoperabilityWhether you're a f...
2024-12-0234 min
One Vision fintech fuseAI, Financial Inclusion, and Banking: A Pre-Holiday SpecialAI, Financial Inclusion, and Banking: A Pre-Holiday Special | One Vision - FinTech Fuse!Join hosts Theodora Lau and Barb MacLean for an inspiring pre-holiday episode exploring the intersection of technology, financial services, and social impact. This episode unpacks the evolving landscape of banking innovation and artificial intelligence, with a special focus on community-centered solutions.Episode Highlights:Canadian Banking Evolution: Dive into the current state of neobanks and funding in Canada, exploring how innovative solutions are meeting communities where they are.AI in Financial Protection: Learn how Commonwealth...
2024-11-2534 min
One Vision fintech fuseThe Future of Fintech in Asia: Digital Payments, Financial Inclusion, and AI InnovationJourney through Asia's revolutionary payments landscape in this new episode of One Vision — FinTech Fuse! where Theodora Lau sits down with Monica Jasuja, a prominent Asian fintech and payments strategist, to unpack the region's digital transformation. Explore how India's UPI (Unified Payments Interface) is reshaping the future of digital payments in India, driving unprecedented growth in mobile money movement across the continent. We dive deep into:The rapid adoption of UPI technology in India and its global expansionFinancial inclusion strategies in Southeast Asian emerging marketsHow local culture shapes payment innovation and adoption ratesWatch for developments in di...
2024-11-1140 min
One Vision fintech fuseThe Future of Finance and Education in an AI-Driven WorldIs our education system ready for the AI revolution in finance? Join Theodora Lau as she explores the intersection of artificial intelligence, financial innovation, and educational transformation with special guest Dr. Martha Boeckenfeld, CEO & Founder of the marthaverse.In this eye-opening episode of One Vision — The FinTech Fuse, we dive deep into:• How technological advancement is reshaping our daily lives• Why the digital divide threatens inclusive innovation• The crucial role of education in fostering innovation and equality• Essential frameworks for global AI regulation in finance• Strategies for becoming...
2024-11-0445 min
One Vision fintech fuseAI adventures with Noelle Russell: Responsible innovation, regulation, and beyond.Jump into the latest episode of One Vision with Theodora Lau, featuring Noelle Russell, Chief AI Officer of the AI Leadership Institute. They chat about responsible AI, education, and the future of work — plus the thrills and spills of AI regulation. With all the excitement around AI, it is easy to get distracted and run straight for the shiny new toy. Noelle’s golden advice? Know your tool’s true purpose. From the boardroom to the whiteboard and keyboard, it is crucial for everyone to grasp AI’s business potential and best practices. And leaders need to create an internal environme...
2024-10-2745 min
One Vision fintech fuseExplore Georgia's Rapidly Growing Fintech EcosystemJoin Theodora Lau and Stephanie Foster in this week’s One Vision — FinTech Fuse! as they dive into Georgia's booming fintech scene, where 80% of US payment transactions are processed. Atlanta, nicknamed "Transaction Alley," is the hub of this fintech revolution, handling more than half of the nation’s credit card processing.In this episode, we feature Laura Gibson Lamothe, Executive Director of the Georgia Fintech Academy. Discover the evolution of fintech education and the Academy's focus on experiential learning, supported by partnerships with industry giants like BlackRock and U.S. Bank Elavon. Since its inception, the Academ...
2024-10-2136 min
One Vision fintech fuseFinTech Frontiers: Global Innovation, Trust, and the Future of SMEsAs we often say, look East for fintech innovation. Luckily, you don’t have to get on a plane this time. In this week’s One Vision — FinTech Fuse! Join Sanjeev Kumar — CEO at WhiteSight, and Theodora Lau, as they chat about the growing fintech ecosystem in Brazil, Asia, and the Middle East, challenges and opportunities in fintech globalization, and the importance of customer trust. Can we build global fintechs or will they stay local and specialized? How will the fintech ecosystem evolve for small and medium-sized businesses? Are fintechs delivering on customer trust? Tune in and find out!A...
2024-10-1440 min
One Vision fintech fuseThe future (of money and finance) is a blurIn the past decade, we have seen significant progress in data democratization and the rise of consumer-centric financial services — thanks to disruption brought on by increased mobility. As we continue the journey, who will lead the next revolution? Who will be the key players and where will financial advice come from? In this episode of One Vision — FinTech Fuse! Theo chat with Efi Pylarinou on the future of money and finance. While many companies are focusing on low-hanging fruit improvements, there is still plenty of room for innovation in the infrastructure of financial services that can bring significant business valu...
2024-09-1650 min
Finstep Asia Edge: Unveiling Fintech Trends in the Web 3.0 EraIn discussion with Theodora Lau On The Impact of Technology, including AI, On Finance & BankingIn this engaging interview, Theodora Lau, founder of Unconventional Ventures and one of American Banker’s Most Influential Women in FinTech, sits down with Syed Musheer Ahmed on Finstep Asia Edge to share her unique insights. From the success of super apps in Asia and evolution of AI to the disparity in digital adoption between regions, Theodora provides an in-depth look at the evolving fintech landscape and regulatory challenges.
Key Highlights:
🌏 Super Apps & Regulation: Explore how super apps are reshaping the Asian market and the crucial role of regulatory adoption for future growth.
📉 US vs. A...
2024-08-0253 min
One Vision fintech fuseThe future of payments and expense reportingJust as the pandemic has accelerated the acceptance of digital payments in retail for consumers, it has sped up similar changes in the financial operations of organizations, enabling improved compliance and spending controls while reducing complexities. In this episode of One Vision, Theo chats with Chris Juneau, SVP, Head of SAP Concur Product Marketing, on the future of payments and expense reporting, powered by AI and mobile connectivity. We cannot create more time, but we can streamline processes so that we can spend more time focusing on what matters — at moments that matter. ***About One...
2024-07-1515 min
One Vision fintech fuseBe part of the AI revolution!While AI is not new, the excitement has skyrocketed in the past 2 years. As organizations embark on the AI journey, what do they need to keep in mind? What does responsible AI really mean? Are we being overly critical when we are biased and imperfect human beings? And how do we even stay ahead in the rapidly evolving field of AI and risk management? In this episode of One Vision — FinTech Fuse! Theo chat with the brilliant Nicole Königstein, Chief AI Officer and Head of AI & Quant Research at Quantmate, on the current AI hype cycle and what the...
2024-07-0839 min
One Vision fintech fuseGPS for homeownership journeyHomeownership is normally looked upon as a part of the American Dream. Unfortunately, reality often squeezes out many of those who don’t have access. In this episode of One Vision — FinTech Fuse! Theo chats with Brendan Kennealey, Founder/CEO at NESTER, and part of the first cohort for CAFE (Center for Accelerating Financial Equity), on his quest to take some of the guesswork and stress out of the home buying and selling experience. Imagine a world where technology can be used to create a positive impact for LMI communities and uplift those who are underserved.
2024-07-0132 min
One Vision fintech fuseThe evolving role of the CFO as the guardian of performance and value and your financial copilotIt is an exciting time to be in tech. With nine out of ten CFOs projecting higher AI budgets in 2024, how will the integration of AI in business impact the skill sets required for the CFOs? How can AI bring benefits to the day-to-day financial processes including working capital management? And what are some of the things that we need to keep in mind to ensure relevant, reliable, and responsible business AI? In this episode of One Vision, we chat with Christian Hecker, SVP and Chief Revenue Officer, Office of the CFO at SAP, and Thomas Mehlkopf, GM an...
2024-06-1730 min
One Vision fintech fuseFintech with a side of Fish and Chips: There is nowhere else like LondonWhere incumbents come together with fintechs, Fintech Week London is a city-to-city event spanning some of the most current themes in financial services. From artificial intelligence, ESG, and insurtech, to embedded finance, payments, and digital assets, what’s in store for this year’s festivities? In this episode of One Vision — FinTech Fuse! Theo chats with Raf De Kimpe, CEO of Fintech Week London on the past, present, and future of fintech events. Join us as we pave the way for a brighter future for the fintech industry. Change is a constant.*** About Fintech...
2024-04-2926 min
One Vision fintech fuseInaction is not a strategy — wise words from a benevolent troublemakerYes, ESG is both complex and complicated, as Matthew Sekol wrote in his new book, ESG Mindset. But at the heart of it, it should not be difficult to explain — nor should it be controversial — why a business needs to go beyond pure financials, to build resilience — to better understand the risks and capture the opportunities — so that they can better adapt to a changing world. After all, it should be in the inherent interests of companies to build to last. Though the term might be nuanced, the intention and the result should not be. In this episode of One Visio...
2024-04-2128 min
One Vision fintech fuseFinTech in a field of daffodilsAs one of the first flowers that bloom in spring, daffodils symbolize new beginnings, resilience, and prosperity. But what do the flowers have in common with fintech and rugby? In this new episode of One Vision, Theo chats with Sarah Kocianki, CEO of Fintech Wales, on her top priorities in growing the world-class collaborative FinTech ecosystem in Wales as she embarks on her new journey as the CEO of FinTech Wales. We explored the secret behind the prominence of female angel investors in Wales, as well as the impact of technology on work, talent, and culture of learning. Bonus...
2024-04-1523 min
One Vision fintech fusePrepare for the unexpectedAgainst the backdrop of economic uncertainty and geopolitical tensions, how can we make the supply chain more resilient? In this episode of One Vision, Theo chats with Rene Ho — CFO at Taulia, and Thomas Mehlkopf — GM and Head of Working Capital Management CoE at SAP, on realizing the synergies from the power duo of SAP-Taulia, building the future of finance with working capital optimization and liquidity. Change is inevitable, but we can put measures in place and be ready for surprises in this interconnected world. For more insights, download the CFO Perspectives: Unlocking Insights Through Conversation. #OneVision #Supp...
2024-04-0117 min
Tech Uncensored - An Altitude Accelerator PodcastEpisode 43 Where are the Women in AI?Theodora Lau recently wrote a Linkedin post called "Where are the Women?"This was a timely post that responded to the slap in the face to many women, who have made incredible strides to affect substantive change in AI, who saw the NYT article that snubbed the work of prominent women like Fei Fei Li, Timnit Gebru, Kate Crawford, Joy Buolamwini, Meg Mitchell and others too numerous to mention. This article came off the week of drama that saw Sam Altman re-installed as the CEO of OpenAI, when 5 days be...
2024-01-1945 min
The EPAM Continuum Podcast NetworkSilo Busting 63: Financial Literacy with Theodora Lau and Alex JimenezWhen it comes to financial literacy, many banks and financial institutions claim it’s something they actively prioritize for their customers. In reality, this often tends to be lip service. “Banks like to think they’re doing something in this space….They’ll write a long blog that will sit in a resource page on their website. But if you look at the analytics behind those pages, generally they have very few views. They’re not teaching anything to anyone, and this content is just not visible.” This is the claim of Alex Jimenez, EPAM’s Managing Principal of Financial Services Consult...
2023-07-1827 min
One Vision fintech fuseThe Soul of Startups: Culture, culture, cultureWhat attracts you to a company and what makes you stay? In the chaotic world of startups, what are the essential elements that enable teams to not only survive, but thrive? In this episode of One Vision, Theodora Lau and Stephanie Foster chat with Sophie Theen, a Strategy, People & Culture Leader, on her latest book, The Soul of Startups: The Untold Stories of How Founders Affect Culture. We went down the memory lane (or rabbit hole) of some of our shared experiences, and the good, bad, and ugly in fintech startups. Spoiler alert: All hope is not lost. Always the...
2022-11-0736 min
Scouting for GrowthDanielle Guzman and Theodora Lau: The new and never normalOn this episode of Scouting For Growth, Sabine VdL talks to two renowned FinTech Influencers and respected voices in finance and insurance, Danielle Guzman – head of social media at Mercer who is an expert at activating employees and creating business impact on social media, and Theodora Lau - Founder at Unconventional Ventures, author, podcast host and public speaker who advises many startup ventures.
KEY TAKEAWAYS
Danielle - The future of work is something I’m passionate about, both personally and professionally, and the journey over the past years has been about reinventing myself and how to stay...
2022-10-2745 min
One Vision fintech fuseWhen music and fintech collideCould you imagine life without music? Plato said that ‘music gives a soul to the universe’. And there does seem to be a soundtrack to each change of cadence in our lives, as ‘music is the wine that fills the cup of silence’ according to Robert Fripp. There is also a melody to the way money flows through our daily lives as well. So how well do we take care of the artists that conjure up this magic, across so many genres and generations? This week Theodora and Bradley listen in to the timbre and tempo of John Waupsh, Co-Founder of Nerve...
2021-10-1233 min
One Vision fintech fuseData is the first line of defenseYears 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 H...
2021-06-2223 minOne Vision fintech fuseFinancial regulation and innovation and the spaces in betweenWhether 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...
2021-06-0824 minOne Vision fintech fuseFor Love of VoiceHow do you measure the wealth of a society? By physical and tangible assets or how we care for one another? How we ensure no one is left behind in the digital era speaks volumes about our values. Technology, when implemented thoughtfully — can unite rather than divide, can enable aspirations rather than trigger divides, and can deliver upon dreams rather than dash them. Purpose should not be an afterthought — it should, and must be — part of every community’s DNA.In this episode of One Vision, Theo and Bradley chat with Heidi Culbertson, CEO/Founder of Marvee...
2020-08-1829 minOne Vision fintech fuseThe Accidental BankerThere are many ways to create meaningful impact. Some choose to start their own endeavour, attempting to change the existing paradigm from the outside. Others choose an often more arduous route to create change from within. Regardless of which path you take, the journey can be treacherous and full of surprises. The best stories often come from those who have chosen to embark on multiple expeditions — and lived to tell us their tales. In this episode of One Vision, Bradley and Theo chat with Drew Graham, Director of Digital Strategy at Barclays, as he walks us thr...
2020-08-1144 minOne Vision fintech fuseLook for the helpersThe Supplemental Nutrition Assistance Program (also known as SNAP) provides important nutritional support for low-income individuals and households within the U.S. In 2018, the program helped 40 million low-income Americans afford a nutritionally adequate diet in a typical month. But the impact of COVID-19 on low income families cannot be understated. With substantial unemployment, many are concerned with the stability of their housing, or the ability to put food on the table. Tune in for an inspirational episode of One Vision, where Theo and Bradley chat with Jimmy Chen, the founder and CEO of Propel, about his s...
2020-08-0430 minOne Vision fintech fusePowering Innovation: Banking’s Embrace of the CloudDigital transformation journeys for financial institutions — regardless of size — present many challenges. Banks have traditionally been more of a follower, rather than a leader, in adopting emerging technologies like artificial intelligence, machine learning, and edge computing. In one area, this is changing rapidly: cloud computing. In this episode of the One Vision podcast, Randy Walker, Global Managing Director, Financial Services, of IBM, discusses the launch of IBM Cloud for Financial Services with Theo and Bradley. He shared with us the many benefits of leveraging cloud computing infrastructure for financial services firms, and how IBM’s ecosystem is growing to meet the ne...
2020-07-2734 minOne Vision fintech fuseA revolution of a different sortThe year 2007 was a watershed moment in financial services. That year saw the launch of mPesa in Kenya, the second iteration of the Payment Services Directive (PSD2), and the launch of the iPhone, which changed relationships with customers forever. Venture investment in startups in what would eventually be called fintech were just starting. It truly felt like we were on the verge of a revolution within financial services. Over the past decade, every aspect of financial services has been rearranged, unbundled, and rebundled, as has the concept of what digital disruption looks like for incumbents in t...
2020-07-2137 minOne Vision fintech fuseSeize the dayImagine yourself years from now looking back at the decade that was. As you think about your life, your career, your friends, your family, your tribe—what happened to your path? How did you change when the world was upside down, when the gravity of your roots were the only connectivity to your core values and beliefs? At what point did the future begin once again? The decisions we make everyday in life matter, none more important than during times of tragedy. The real visionaries are the ones who accept that if nothing they have historically held on to is...
2020-07-1428 minOne Vision fintech fuseLook Toward the EastThe path toward broader inclusion — especially financially driven inclusion — starts with acknowledgement of structural impediments within our lives, our communities, and our cultures. Financial inequality is a human created problem that can be solved. While there are 1.7 billion adults worldwide that are truly unbanked — without any access to the formal financial services system — the advent of mobile phones, mobile money, and mobile credit systems has enabled many of these economies to leapfrog the West, and bring more people into the traditional economic system. In this episode of One Vision, Theo and Bradley chat with Chenni Xu from Ant...
2020-07-0726 min
Tearsheet Podcast: Exploring Financial Services TogetherUnconventional Ventures' Theodora Lau: 'We can do better and we have the technology to do it"Welcome to the Tearsheet Podcast. I’m Zack Miller.
Today’s guest is Theodora Lau, the founder of Unconventional Ventures. When you listen to her, Theo challenges the industry to do better. Instead of producing another colored metallic debit card, she’d like to see real financial innovation that helps the people hurting the most. The unemployed. The poor. The older demographic. We discuss the financial industry’s relationship with consumer wellbeing and where needs aren’t being met. Theo describes what would need to happen to improve financial outcomes. Lastly, we talk about AI and algorithms and the challenges they impos...
2020-07-0121 minOne Vision fintech fusePause for purposeFrom the $825 million Finicity/Mastercard tie-up to the Wirecard scandal to Lemonade’s plan to raise $286 million in an IPO — there is never a dull moment in the land of Fintech. Half a year has gone by and we are in the midst of a pandemic and deepening recession. If we were to give ourselves a grade, has Fintech done what the ecosystem has set out to do?Has it challenged the status quo — and make banking better? In this new episode of one vision, Theo and Bradley looked back at the week that was and talked...
2020-06-3027 minOne Vision fintech fuseIn the face of racismSystemic racism and a long history of discrimination have meant that African Americans have always fared worse in the labor market, both in good times and more so in bad. Losing out of more than a century of wealth creation, black households are falling further and further behind. And after a decade coupled by the Great Recession and the COVID-19 pandemic, the time for radical change is far past due.The murder of George Floyd and the protests that have followed are creating a period of global contemplation, about how to react, what to feel, and...
2020-06-0928 min
One Vision fintech fuseThe Other 50: Towards a more inclusive futureIs there a growing fallacy around financial inclusion? Are we simply creating a new form of imperialism by taking financial services applications built in countries like the U.K. and attempting to export them to markets like Brazil, Uganda, India, and China? How inclusive is financial services if we are not considerate of differing economic conditions and the intricacies of daily life? Can we truly meet global financial needs, or is the industry too focused on digital technologies rather than the reality of the human condition? We must create a new hope. In this week’s pod...
2019-10-2240 min
One Vision fintech fuseThe Other 50: The Authentic SelfWhat is the future of financial services? By channeling the spirit of Schrödinger's cat, we must properly debate our industry’s purpose, we must showcase every issue and provide proper context. Is the industry losing sight of who we serve and our impact on society as we pursue profit? Have we lost something in the nuance between High Street and Wall Street and that of Main Street and real conversations happening around kitchen tables? Sometimes it takes the mind of an economist to find that middle ground. In the inaugural interview of our Other 50 podcast, we m...
2019-10-1540 min
One Vision fintech fuseJudge me by my cover: The New Dark WebAll around us, examples of artificial intelligence and algorithms are not hard to find. Our homes and smartphones are equipped with personal assistants such as Alexa and Siri, listening in to our conversations and learning our habits. Our consumption of all things digital, from music to news and merchandise, are increasingly being analyzed and shaped by algorithms. Some schools have even begun experimenting with personalized learning systems.From warehouses to call centers, such emerging technology is helping us become more efficient. But have we stopped for a moment and wonder, what do we want technology to d...
2019-10-0135 min
One Vision fintech fuseRed Envelope: The Startup Ecosystem in Hong KongHong Kong’s startup ecosystem is one of the fastest growing in the world with over 3000 startups. It has a diverse mix of sectors, from fintech and ecommerce to advertising, software, and B2B, as well as a diverse mix of entrepreneurs, with 45 percent of them identifying as female and 35 percent of founders from overseas.The Greater Bay Area initiative, with the goal of developing an ecosystem to rival that in San Francisco and New York, is also significant. With 70 million people between the regions of Guangdong, Hong Kong, and Macau, that combined population is more th...
2019-09-1733 min
One Vision fintech fuseRed Envelope: Lessons from the Land of the Rising SunJapan is known as the most ultra-aged society globally, where one in four Japanese citizens are 65 or older. This fact, combined with healthy lifestyles and one of the world’s longest life expectancies, means that Japan must rapidly address longevity-related challenges alongside providing some unique lessons for our global society. In this episode of Red Envelope, Theodora Lau and Bradley Leimer bring you thoughts from the FINSUM event in Japan. The conference covered a variety of topics from the future of payments, fintech innovation, and the evolving world of financial services covering more specifically the impact of...
2019-09-1033 minOne Vision fintech fuseThe Object of DesireWhen apple announced their iPad, there was a discussion on how different it was from a laptop. It was indeed differentiated, and one major research identified that, accessing a large screen device at a simple press of a button is a major difference.This episode of Rhetoriq is slightly different, where Theodora Lau and Bradley Leimer talk about the apple card. The launch of the Apple Card has caused quite a stir – amongst the Apple loyalists and naysayers alike. The loyalists marvel at the ease of activation and digital issuance. The naysayers criticize it as not be...
2019-09-0332 min
One Vision fintech fuseRed Envelope: India's Regulatory Landscape, a deep diveCan regulatory policies make or break an innovation ecosystem? And how equipped are the research capabilities of regulators in large economies, to make some of those policies? Fintech has been a field where regulators have had a major effect on growth and maturity of innovative business models.In this episode of Red envelope, Nidhi Prabhu from Mumbai, joins Arun Krishnakumar and Theodora Lau. Nidhi started her career in the academia, moved into India's Central Bank (RBI), and then into Medici's research. In a career that spans across academia, policy making, research and Fintech innovation, she has...
2019-08-2743 min
One Vision fintech fuseShades of Grey: The Journey towards Social InnovationSocial isolation affects people both emotionally and physically, and older adults who struggle financially are at an even greater risk of isolation. In the next ten years over 11 million adults will stop driving due to age related impairments. Over 8 million have no smartphone and no experience with new technology. Many of them will be forced to rely on a patchwork of friends, family, community members and caregivers to get around.In this episode of Shades of Grey, Theodora Lau talk to Justin Boogaard, the co-founder of GogoGrandparent. Gogo helps families take care of their loved ones...
2019-08-1332 min
One Vision fintech fuseJudge Me By My Cover: Your Voice MattersHow innovative and interesting would we be if we all think and talk alike? How would our actions and assumptions ever be challenged if we thought all the same?Diversity is more than gender - although that might be the one point of difference most talked about today. Diversity is also about age, ethnicity, socioeconomic backgrounds, beliefs, diversity of thoughts, and beyond. It is more than just placing a “token” diverse member in your team - and it’s not about numbers and quotas.In this episode of Judge me by my cover, Bradle...
2019-08-0635 min
One Vision fintech fuseRed Envelope: Hongkong bustling with Innovation“Innovation will continue to be a driving force in Asia as fintechs and banks both develop new platforms services for the increasingly connected consumers in Asia.”Asia has long been bustling with innovation - with Singapore and Hong Kong competing for financial supremacy for many years - the verdict on who got their nose ahead is still out there. In this episode of Red Envelope, we have Medhy Souidi, the Head of FinTech at DBS bank joining Arun Krishnakumar and Theodora Lau. Medhy is originally from Europe, and has been very involved in the...
2019-07-2335 min
One Vision fintech fuseRed Envelope: Food on the ChainSeveral emerging economies have most of their population depending on Agriculture for their livelihoods. However, across the world, loss of food in the supply chain is still a major issue. Over $270 Billion worth of food supplies across the world could be saved by using technology. The other challenge with the food supply chain is that in most economies, farmers are often exploited by the other parties in the food supply chain.In this episode of Rhetoriq's Red Envelope, we have Genevieve Leveille joining Arun Krishnakumar and Theodora Lau. Genevieve is the CEO of Agriledger, that is...
2019-07-1630 min
One Vision fintech fuseRed Envelope: Lending is Easy, Responsible Lending is HardWith Great Power come Great Responsibility. Especially when a business is dealing with a market with 1.3 billion people. The country has made massive strives towards financial inclusion: According to the Global Findex Database, over 80 percent of the adult population now has bank accounts. A series of efforts has helped drive such progress, including Aadhaar, a verifiable 12-digit identification number issued by UIDAI to all residents of India. The Aadhaar identity platform is one of the key pillars of the ‘Digital India,’ and the Aadhaar program is now the largest biometrics based identification system in the world.In t...
2019-07-0826 min
One Vision fintech fuseJudge me by my cover: A future beyond algorithmsIn a world of algorithms and hashtags, true human connectivity is too often replaced by clicks. Our interactions and conversations are interrupted by digital notifications that long for our attention. Phone calls are replaced by messages on our friends’ digital walls and feeds; face-to-face coffee breaks yield to likes and retweets.In this episode of our podcast, Theodora Lau and Bradley Leimer continue the discussion about China, advancements of data analytics, and exchange of value in a data economy. With GDPR and the recent backlash against Facebook related to data privacy, businesses that rely on "You ar...
2019-07-0233 min
One Vision fintech fuseJudge me by my cover: East Leapfrogs the WestAccording to CB Insights, there are 41 fintech unicorns valued in aggregate at US $154.1 billion. This includes 25 US-based startups, 8 based in Asian, and the remaining 8 split between Europe, Australia, and South America. Chinese big tech giants including Alibaba, Tencent, JD.com, and Baidu are regarded to be highly innovative and successful companies. So what drives innovation success in China? In this episode of Judge me by my cover, Richard Turrin joins Arun Krishnakumar and Theodora Lau. Richard is the author of No. 1 international best seller “Innovation Lab Excellence,” and lives in Shanghai, China. He is a Fintech expert...
2019-06-2547 min
One Vision fintech fuseRed Envelope: Inequality is not InevitableIn the first three months of 2019, VC-backed fintech companies raised US $6.3 billion across 445 deals globally. Challenger banks continue to spread globally, with N26 (a newly minted unicorn) and Monzo both imminently launching in the U.S.In this episode of the Red Envelope focused on Asia Innovation, Theodora Lau and Bradley Leimer host Daniel Murphy and Jackson Meuller from the Milken Institute. The Milken Institute is a nonprofit, nonpartisan think tank that helps people build meaningful lives, in which they can experience health and well-being, pursue effective education and gainful employment, and access the resources required...
2019-06-1846 min
One Vision fintech fuseRed Envelope: Good Force for Social ImpactAccording to the State of the Global Islamic Economy Report, the Islamic Finance sector is fast becoming a force to be reckoned with, especially in the Islamic financial hubs of the GCC, Malaysia and London, along with formidable new players such as Indonesia and Pakistan. The Islamic finance industry is forecasted to grow by 7.7 percent CAGR to reach US $3.8 trillion by 2023.With 1.8 billion Muslims across 58 Muslim-majority countries of the world (approximately one-quarter of entire population), what are the challenges and opportunities in these markets?In this new podcast episode of Red Envelope, Rafi-uddin...
2019-06-1139 min
One Vision fintech fuseJudge Me By My Cover: Fintech's True LoverIf the US is where technology innovation was born, Europe is where it is regulated best, and Asia (led by China) is where it reaches the masses and creates impact at scale. Digital innovation makes the time to market for financial services shorter than they have ever been in the past. China has created new fundamental lifestyle business models and have integrated Fintech services into them. They have rethought these business models from first principles to achieve large scale financial inclusion.In this episode Paolo Sironi joins Theodora Lau and Arun Krishnakumar for an exciting discussion...
2019-06-0431 min
One Vision fintech fuseRed Envelope: Ethis Crowd and Islamic FintechSharia-compliant banking assets make up 6% of the world’s banking assets. With Muslims accounting for a quarter of the world’s population and 80% of Muslims are not financially included , there are considerable opportunities to explore.The industry is projected to grow at 7.7% CAGR to reach $3.8 trillion in 2022. Interestingly, Sharia-compliant retail banks have been attracting quite a following from non-Muslims as well. 55 percent of all UK's Al Rayan’s new customers since 2014 and 90 percent of its fixed-term deposit customers last year were non-Muslim. Maybank Islamic, Malaysia’s largest high street bank that offers both Shariah-compliant and conventional accounts...
2019-05-2839 min
One Vision fintech fuseRed Envelope: From Lahore with LoveWhen we think about fintech development in the East, our attention will likely go towards China, India, and southeast Asia (ASEAN) regions. But what about the rest of the Asian countries, such as Pakistan? Where do the opportunities lie in these emerging markets?In this episode of Red Envelope, a podcast series focused on innovation in Asia, Arun Krishnakumar and Theodora Lau talk to Rabeel Warraich, the first VC from Pakistan. Rabeel is an Oxford and MIT alum, and after identifying the immense opportunity that Pakistani ecosystem offered for seed and early stage startups, he moved...
2019-05-2138 min
One Vision fintech fuseJudge Me By My Cover: The Toothfairy and the Future of BankingTheo: If we were to go cashless, the tooth fairy would not be able to give you money anymore.Theo's Kiddo: Well, the tooth fairy could always put money in a prepaid card.The world is definitely ramping up to go cashless.As technology continues to reduce friction, banking will become more embedded in our day-to-day life. A bank as we know it might look very different than what it does today – and we may no longer need a physical branch to service most of our needs. Recent market entries such as...
2019-05-1423 min
One Vision fintech fuseRed Envelope: The Pearl of OrientThis is the first episode of our new series focused on Innovation in Asia - Red Envelope. Asia has proven to be a hotbed for Fintech innovation, where the consumer base, mobile penetration and lack of legacy have given way to leap frog moments. In this episode, Theodora Lau and Arun Krishnakumar talk to Charles D'Haussy about the Hongkong ecosystem. Charles is the Director Strategic Initiatives at ConsenSys, and previous to that Head of Fintech at Invest Hongkong.Hong Kong, also known as the “Peal of Orient”, is home to 7.4 million people from count...
2019-05-0723 min
One Vision fintech fuseJudge Me by My Cover: The 100 Year LifeAs much as 85% of jobs that will be available in 2030 do not exist yet for today’s graduates – it is never too late to disrupt ourselves. 50 is indeed becoming the new 30. Soon, we will have five generations working alongside each other. Not only “when” or “how long” we are working has changed, “how” we are earning a living has changed as well. Given this new paradigm, is retirement still relevant? Or should we retire the traditional notion of retirement, and re-think how we should manage and grow our savings? In this episode of Judge Me by My Cov...
2019-04-3029 min
One Vision fintech fuseJudge me by my Cover: Irish Food for the SoulIf books are food for the soul – bookstores and libraries are great halls for feast. Reading not only helps us gain new perspectives and expand our horizon, it also helps us take a break from our ever-connected digital lives – where information is constantly being pushed to us. Books allow us the luxury of immersing ourselves in moments that go as far as our minds would wander – and travel abroad without the physical burden of a voyage. As J.K. Rowling said: “If you don’t like to read, you haven’t found the right book.” This week, we have t...
2019-04-2330 min
One Vision fintech fuseJudge me by my Cover: The Future of BankingIn a world where Chinese citizens with Chinese bank accounts can conduct their whole life on Alipay and WeChat super apps while outsiders pay cash; where 47% of American consumers are still writing checks; where people in Africa can pay and obtain microloans on their mobile phones in an instant – the answer to the age-old question to the promised land: “Are we there yet?” is unfortunately “No, not yet.”In this opening episode of our next series "Judge me by my cover", Theodora Lau and Bradley Leimer talk to Chris Skinner, author of the book Digital Human. As Chris S...
2019-04-1629 min
One Vision fintech fuseShades of Grey: Stage not AgeNew US CEOs are now averaging 58 years old, and 62 as the average age of the top performing CEOs in the world, the companies they run spend 500% more to attract millennial customers.In this episode of Shades of Grey, Arun Krishnakumar and Theodora Lau are joined by Bradley Schurman and Lilian Myers, the Co-Founders of EconomyFour. EconomyFour helps companies, policymakers, and people understand and fulfill the promise of a 100 year life.Thanks to advancement in healthcare, we are in an ageing world. Global demographic shift continues to strain governments and health services facing more people in post-retirement...
2019-04-0933 min
One Vision fintech fuseShades of Grey: For Humans By HumansThanks to the relentless work and advocacy from many men and women, gone are the days when banks required a woman applying for credit to have her husband co-sign, or when companies could legally fire women for being pregnant. However, as a society, we still have ways to go to get to any sense of 50/50 equality. In this episode of Shades of Grey, Arunkumar Krishna Kumar and Theodora Lau talk to Ramya Joseph - the CEO and Founder at PEFin. Ramya has made the transition from Proprietary trading at Goldman Sachs to founding the world's first AI based f...
2019-03-2621 min
One Vision fintech fuseShades of Grey: Tech Women - Mind the GapDespite increased awareness of gender equity issues, and commitment by various executives and industry leaders, progress towards equality appeared to have stalled. Is it really a lifestyle choice, or is it born out of necessity (i.e. constraints), perhaps due to lack of affordable childcare, flexible work arrangements, and outdated cultural norms that women should bear the primary caregiving responsibilities – of children and older parents? In this episode of Shades of Grey, Theodora Lau and Arunkumar Krishnakumar speak with Catherine Flax, CEO of PEFin. Catherine made her transition to the startup world after several successful years at Wall Str...
2019-03-1924 min
One Vision fintech fuseShades of Grey: The Conscientious BankerWhat happens if the world actually runs out of people? While you may not fully subscribe to this point of view, we all need to start paying much more attention to the needs of its fastest growing segment of our global population: those households that are over the age of 50. As aging itself is far from homogeneous, the solutions we create today to serve the needs of our aging population will determine our future quality of life. Our very future is at stake. In this episode of Shades of Grey, Theodora Lau and Arun Krishnakumar talk to Bradley L...
2019-03-1226 min
One Vision fintech fuseShades of Grey: The Value of CareAs we live longer and the cost of healthcare increases, where would we turn to for support? For many, that responsibility falls largely on their family members. More often than not, these caregivers are those that belong to the sandwiched generation, ones with their own family and children that they are taking care of. In addition to helping with daily chores, many also provide financial support, with monthly contribution averaging $403, according to the latest study by RBC Wealth Management. In this episode of Shades of Grey, Theodora Lau and Arun Krishnakumar talk to Evin Ollinger, CEO of Golden. E...
2019-03-0522 min
One Vision fintech fuseShades of Grey: We Are Clearly Impact FirstAt the end of 2018, the Impact investing market had grown to $228 Billion. The standard ways of measuring performance of an investment using Risk and Returns is being enriched by another dimension of performance measurement - it's Impact. The three dimensional methodology of measuring the outcome of a business is gaining popularity amongst the younger generation.In this episode of Shades of Grey, Arun Krishnakumar and Theodora Lau speak to John Lloyd. John is the Chief Marketing Officer at ClearlySo, Europe’s leading impact investment bank, working exclusively with businesses and funds delivering positive social, ethical, and/or environmental im...
2019-02-2622 minOne Vision fintech fuseShades of Grey: Financial Fraud Prevention for SeniorsFraud detection is complex and the amount of data that needs to be mined and analyzed is massive. AI shows great promise in being able to move from detecting fraud after the fact, to predicting and preventing it before it happens. This will serve to minimize the financial exposure of the older adults, and preserve their dignity.In this episode of Shades of Grey, Theodora Lau and Arunkumar Krishnakumar talk to Liz Loewy, Co-Founder and Chief Operating Officer at EverSafe. Eversafe leverages historical financial behavior across different bank accounts to build personal profiles, and analyzes daily transactions to...
2019-02-1925 min
One Vision fintech fuseShades of Grey: Musings of an Impact InvestorAs Ron Shevlin eloquently puts it, “consumers are not looking for a new savings account; they are looking for help to save”. Joining us in this episode of Shades of Grey, Sarah Morgenstern, Principal at Omidyar Network. Theodora Lau and Arun Krishnakumar discuss the Impact investment landscape and Sarah's thoughts on investment opportunities focused on longevity.Gone are the days where we work in the same full-time corporate job and retire with pensions. Across all generations, more than a quarter of workers in the U.S. are engaging in freelance or short-term work arrangements in some...
2019-02-1223 min
One Vision fintech fuseShades of Grey: Inequality of AgeingAccording to AARP, more than 10 million people aged 50 and above live in poverty in the U.S., and more than 37 million are just one life event away from slipping into it. Amongst those who are 65 and older, more than twice as many women as men live in poverty. And the problem is even more acute for African American, Hispanic, and Native Americans.In this episode of Shades of Grey, Theodora Lau and Arunkumar Krishnakumar talk to Paolo Narciso, VP AARP Foundation. After 36 years of leading companies in the Education, Financial Services, Technology, and Government sectors to drive rapid r...
2019-02-0524 min
One Vision fintech fuseShades of Grey: Kindle the human connection with voice“When you get to be my age (93), just to hear another person’s voice gets you through the day. I never thought I’d get to see this in my lifetime.”When it comes to the next big disruption, voice technology is undoubtedly one of the mosttalked about. And no one is more enthusiastic about this than Dave Isbitski, Chief Evangelist, Alexa at Amazon. Theodora Lau and Arun Krishnakumar speak to Dave about how voice is now starting to be the new user interface. According to Dave, voice will be transformative in how we conduct o...
2019-01-2935 min
One Vision fintech fuseShades of Grey: IntroductionShades of Grey is a podcast about living. This season of Rhetoriq is hosted by Arun Krishnakumar, Theodora Lau and Bradley Leimer.It is a collection of stories from a diverse universe of entrepreneurs and thought leaders, using their collective power and intellect to change the narrative of aging. It is a testament that technology and innovation should be inclusive and age-agnostic. It is a call for action – for the society to not to just focus on the short-term gains, but on what can be done for the long-term well-being of all.If all aspects of ou...
2019-01-2210 min