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

Theodora Lau
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One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. We believe there are many innovation stories that have impact on people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, and One Voice. Hosted on Acast. See acast.com/privacy for more information.

  1. Whose Agent Is It? The Merchant Side of Agentic Commerce with Marc Massar

    1D AGO

    Whose Agent Is It? The Merchant Side of Agentic Commerce with Marc Massar

    When AI agents start buying and selling on our behalf, who do they really represent? In this new episode of One Vision Podcast, Theodora Lau sits down with Marc Massar — payments veteran and founder of Aura Labs — to unpack the merchant side of agentic commerce that most of the industry is overlooking. They dig into why today's agentic protocols are still walled gardens, what happens when transaction context disappears but liability doesn't, why dynamic pricing gets dangerous at machine speed, and what merchants need to do now before they get trapped in someone else's ecosystem. Marc draws on past lessons to make the case that market design — not smarter agents — is what will determine whether agentic commerce works for everyone or just the platforms that control it. 00:00 Welcome and Guest Intro 03:03 Protocols and Walled Gardens 10:25 Who Does the Agent Serve 14:20 Post Purchase Identity and Disputes 22:54 Merchant Playbook for Agentic Search 32:41 Consent and Payments Friction 35:25 Dynamic Pricing Meets Agents 39:06 Market Design and Controls 44:48 Seller Data Playbook 51:35 Closing  📍Hot take:  "Whose agent is it? Who benefits?" Keywords: AI, Agentic Commerce, Fintech, Autonomous Agents, Protocols, Market Design, Digital Commerce, Payments, Data Management #AI #Fintech #AgenticCommerce #Data #Payments  More about our guest  🌐Marc Massar on LinkedIn: https://www.linkedin.com/in/marcmassar/   More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    52 min
  2. AI as the Operating System: Inside bunq's AI-Native Approach to Fintech

    APR 27

    AI as the Operating System: Inside bunq's AI-Native Approach to Fintech

    While the conversation around AI often centers on automation and efficiency, the real opportunity lies in AI’s ability to act as a decision-making layer. In this episode of One Vision podcast, Theodora Lau hosts Bianca Zwart, Chief Strategy Officer at bunq, to unpack what it truly means to be AI-native. For bunq, AI isn't a feature bolted onto an existing model. It's the operating system. Bianca shares how bunq's obsession with the user experience drives every technology decision. The conversation also explores what's next for agentic AI — and why the future isn't about AI taking over, but about making users smarter supervisors of their own financial lives. Plus: bunq's bold move into the US market, the needs of the people navigating life on both sides of the Atlantic, and why Bianca believes trust — not technology — is ultimately the only thing that matters. 📍Hot take: “... the first question that you always need to answer is, what is in it for the user?” 📍Hot take: “You can copy features. But you cannot copy DNA (of a company).” 00:00 Welcome and Introductions 00:47 Why bunq Is AI Native 03:42 Meet Finn GenAI Platform 08:26 US Expansion Strategy 13:00 User First AI Mindset 18:39 Privacy Trust and Transparency 22:10 AI Fraud Prevention Journey 24:11 What Keeps Bianca Going 27:20 Closing and Farewell Keywords: AI, Fintech, User Experience, Banking Industry, User Centricity, GenAI, AI Ethics, AI in Banking, Fraud More about our guest  🌐Bianca Zwart on LinkedIn: https://www.linkedin.com/in/bianca-zwart/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    28 min
  3. From iPhone to AI-Native Banking: Rethinking Customer Journeys, Platform Strategy, and Human Value in a Tech-Driven World

    APR 18

    From iPhone to AI-Native Banking: Rethinking Customer Journeys, Platform Strategy, and Human Value in a Tech-Driven World

    In the ever-evolving world of digital banking, understanding the shifts and trends is crucial for industry practitioners and innovators. In this episode of One Vision, Theodora Lau hosts Dharmesh Mistry and Dave Wallace to explore the transformative moments in banking and fintech over the past decade, the impact of technology on the financial services industry, and the future of work. They discuss the rise of 5G, smartphones, digital banking, and the need for industry revaluation to adapt to rapid technological convergence. 00:00 Introduction and Guest Welcome 02:20 The Game Changers and Misreads 11:57 The Role of Fintechs and Neobanks 21:24 The Future of Banking: A New Paradigm 32:16 Rethinking Banking for the Future 34:09 AI Native Banking 37:03 Jobs and the Human Contribution  📍Hot take: “ We've had a new layer of financial services by the fintechs …  and we totally overestimated the impact of these new players to the existing players.” 📍Hot take:  To create a better industry industry. It doesn't have to be FinTech completed. It's. Destroying banks. It doesn't have to be banks, completely destroying newcomers. There are so much, there's so much room for us to all play together to create a better ecosystem for all of us.  Keywords: AI, FinTech, Digital Banking, Financial Services, Disruption, Future of Work, 5G, Banking Innovation More about our guests  🌐Dave Wallace on LinkedIn: https://www.linkedin.com/in/davejvwallace/  🌐Dharmesh Mistry on LinkedIn: https://www.linkedin.com/in/dharmesh-mistry-b81207/  🌐Demystify Podcast on Fintech Futures: https://www.fintechfutures.com/keyword/demystify-podcast  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    45 min
  4. On Personal Growth: Chasing purpose, curiosity, and love

    APR 9

    On Personal Growth: Chasing purpose, curiosity, and love

    Brandon Purcell, a former vice president and principal analyst at Forrester, recently embarked on a remarkable journey to write a book that intertwines his experiences with addiction and recovery with the concepts of artificial intelligence.  In this new episode of One Vision Podcast, hosted by Theodora Lau, we dive deep into Brandon’s unique perspectives on how these two seemingly disparate topics are closely related. It is raw, vulnerable, and a reflection on how we can find our way back to authentic connection and recovery.   00:00 Welcome and Intro 01:55 From Forrester to Responsible AI 04:04 The Book Idea Takes Shape 06:58 AI Metaphors for Addiction 16:05 Advice to Younger Self 20:39 Looking Forward Hot take: Be pulled by love, not fear.  Hot take: Pause more and be intentional in what we do. Keywords: AI, Humanity, Mental Health, Personal Growth, Purpose  More about our guest  🌐Brandon Purcell on LinkedIn: https://www.linkedin.com/in/brandoncpurcell/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    25 min
  5. Neobanks, Subscriptions, and Trust: Who Can Win in the U.S. Market?

    MAR 29

    Neobanks, Subscriptions, and Trust: Who Can Win in the U.S. Market?

    With a record number of companies vying for US bank charters, it’s crucial to understand the driving forces behind this surge. The regulatory environment is more welcoming than ever, allowing fintechs to innovate and meet the needs of consumers who feel underserved by traditional banks.   But it's not just about quantity; it’s about quality. In a saturated market, how can these new entrants provide real value that stands out? It's all about solving real problems and creating unique offerings that resonate with consumers. Keep an eye on companies that understand the nuances of the market and can adapt their strategies.  What’s your take? Tune in and hear the take from Tiffani Montez and David Penn, in the latest episode of One Vision Podcast, hosted by Theodora Lau. 00:00 Underserved Banking Opportunity 14:44 Life Stage Subscriptions 15:54 Niche Neobanks Strategy 16:28 Who Will Win 18:21 Incumbents Reaction 20:09 Pressure To Modernize 21:25 Rethinking Bank Models 22:33 Trust And Charters 24:36 Next 12 Months Outlook Hot take: “We don’t need more banks. We need better banks.” Tiffani Montez Hot take: “The sky is getting darker.” David Penn Keywords: Fintech, Financial Inclusion, Neobank, Open Banking  #Fintech #neobank #AI #Financialinclusion  More about our guests  🌐Tiffani Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez-b794283/  🌐David Penn on LinkedIn: https://www.linkedin.com/in/david-penn-25431313/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  ** One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    29 min
  6. How AI is Transforming Financial Literacy and Customer Trust

    MAR 22

    How AI is Transforming Financial Literacy and Customer Trust

    In this episode, Theodora Lau interviews Jennifer White, Senior Director, Global Banking & Payments Intelligence at J.D. Power, about consumer behavior, financial resilience, AI in finance, and future trends. They explore how consumers are navigating financial challenges and the affordability crisis, against the backdrop of “an era of resilience” — with two-thirds of Americans being financially unhealthy. They also discuss AI's role in financial literacy, MrBeast’s move into fintech, why Chime is leading new account acquisition, and implications for existing players. Looking to understand the current and future landscape of consumer finance? Hint: Fundamentals in customer experience are more important than ever.  00:00 Welcome Back Jennifer 01:24 Consumer Resilience Snapshot 06:26 Holiday Reality Check 16:21 MrBeast Meets Fintech 23:46 Chime and New Account Churn 28:41 Consumer Trust and AI Tools 41:31 Back to Service Fundamentals Hot take: "Basics of customer experience still matter." Keywords: AI, fintech, Buy Now Pay Later, Trust, MrBeast, Chime, Financial Resilience, Financial Literacy, Fraud, Affordability  More about our guest  🌐Jennifer White on LinkedIn: https://www.linkedin.com/in/jennifer-white-57257424/   More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    48 min
  7. AI Beyond the Hype — A Conversation on Tech, Trust, and Transformation with Christopher Mims

    MAR 15

    AI Beyond the Hype — A Conversation on Tech, Trust, and Transformation with Christopher Mims

    In this new episode One Vision podcast, Theodora Lau welcomes back Christopher Mims, Technology Columnist for the Wall Street Journal, to discuss his 2026 book “How to AI,” a practical guide aimed at the 90% who aren’t early adopters. They discuss the book’s “24 Laws of AI”, the evolving role of AI in the workplace, and how to prepare for the new future (without the hype).  Who will win the AI race? And what might Christopher be writing about next year? Stay till the end of the conversation for the hint … and it is not what you’d expect!  You can order a copy of Mims’ new book, “How to AI”, on bookshop.org and Amazon. And you can find my recent review of the book here on LinkedIn.  #AI #FutureOfWork #Agents #Automation  00:00 Welcome  01:46 Why This AI Book 04:13 Durable AI Principles 06:22 Competition between Firms 08:58 Agents as Assembly Robots 14:43 Trust and Delegation Lines 16:37 Kaizen and How the Principle Applies 24:05 Key Takeaways Hot take: “ We're in this early DIY phase of AI.” Hot take: “It's just as important to figure out what AI can't do for you as it is to figure out what it can do … The opportunity cost for pursuing AI for the wrong types of tasks is bigger than ever.”  Keywords  AI, generative AI, future of work, automation, trust More about our guest  Christopher Mims is a tech columnist for the Wall Street Journal, where he covers AI, technology, and their implications on society. His latest book, "How to AI," breaks down complex concepts into actionable insights, making AI accessible to everyone. Mims has interviewed experts across various fields, providing a comprehensive view of how AI is being integrated into different sectors. 🌐Christopher Mims on LinkedIn: https://www.linkedin.com/in/christopher-mims-club/  🌐How to AI (book): https://a.co/d/079cJso1  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    36 min
  8. The Future of AI Agents and Agentic Commerce

    MAR 9

    The Future of AI Agents and Agentic Commerce

    Are we moving too fast in the world of agentic commerce — a new paradigm in online shopping where AI agents act on behalf of consumers, facilitating transactions and product discovery? Unlike traditional e-commerce, where consumers interact directly with platforms, agentic commerce leverages advanced technologies to streamline the purchasing process. In this episode of One Vision — FinTech Fuse, we dive deep into the rapidly shifting landscape of agentic commerce and the alphabet soup. With the technology landscape changing at an unprecedented pace, we explore the challenges and opportunities that arise in the new world. Joining us in the discussion are industry experts, Dr. Efi Pylarinou and Jas Shah, who offer their insights on the rise of different protocols like ACP and UCP, identity verification, and the importance of a level-playing field in the future of commerce. What’s your take on this fast-paced evolution? Let’s keep the conversation going! #FinTech #AI #AgenticCommerce #AIAgents 00:00 Welcome and Setup: The Agentic Commerce Alphabet Soup 02:53 The Reality: Are We Moving Too Fast? 07:35 Who Writes The Rules?  10:03 Which Protocol Will Win? 16:20 Staying Visible: Banks Brand in Bot Era 21:04 Trust Data and Curation 25:44 The Economics and Gatekeepers 33:57 Predictions: Who Will Emerge as The Likely Winner 41:56 What Banks Should Do Next Hot take: The real battle is about protocols, not models. Hot take: The future belongs to those who can optimize for AI. Keywords  AI, agentic AI, commerce protocols, fintech, banking, digital transformation, identity, trust, UCP, ACP More about our guests  🌐Dr. Efi Pylarinou on LinkedIn: https://www.linkedin.com/in/efipylarinou/  🌐Jas Shah on LinkedIn: https://www.linkedin.com/in/jas-shah/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. Hosted on Acast. See acast.com/privacy for more information.

    45 min
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One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. We believe there are many innovation stories that have impact on people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, and One Voice. Hosted on Acast. See acast.com/privacy for more information.

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