One Vision fintech fuse

In this episode of One Vision — FinTech Fuse podcast, Theodora Lau and Jas Randhawa discuss the Universal Commerce Protocol (UCP) and implications for agentic commerce. They explore the challenges of chargebacks, the need for regulatory clarity, and the importance of consumer independence in the evolving landscape of e-commerce. While adoption is likely to grow, major risks include consumer manipulation, monopolistic outcomes, and the amount of personal data agents may require (buying, browsing, health, and other patterns), increasing privacy and security concerns. Now is the time to engage with policymakers and advocate for regulatory clarity and for the well-being of consumers. 00:00 Welcome Back to One Vision + Introducing Jas Randhawa (StrategyBRIX)01:10 What Is the Universal Commerce Protocol (UCP)? The Big Picture03:27 How UCP Works: Product Cataloging for AI Shopping Agents07:05 KYA (Know Your Agent): Identity, Authorization & Trust08:58 Chargebacks in Agentic Commerce: Who’s Liable When Things Go Wrong?12:02 Fraud Detection Breaks: Geolocation, New Signals & Re-Engineering Controls13:44 Agent Independence & Consumer Protection: Bias, Collusion, and Oversight Gaps21:28 Regulatory Clarity (or Lack Thereof): The ‘Wild West’ Phase + T&Cs Reality28:06 Time to Get Ready: Travel Use Cases, Audit Trails, and Dispute Proof33:26 Sanctions, VPNs, and High-Velocity Agent Behavior: Financial Crime Risks37:12 Are We Too Early? Will Consumers Adopt—and at What Cost?42:59 Privacy, Data Control & The Need for Neutral Standards Bodies (Wrap-Up)47:45 Final Thoughts#AI #AgenticCommerce #UCP #Agents #Fintech Hot take:  ”The amount of information this agent now needs to have about me is shocking and it scares me a little bit because you're talking about buying patterns, browsing patterns, sleeping patterns, health pattern. For this agent to be really effective, it just needs to know everything that's in my head, right? It's gonna be very effective, but that's again, a major risk because no one's watching out for the consumer.”Hot take: “ The future of this world is unfortunately not you or me. It's a lot of these younger kids, their ecosystem is a lot different. These products are being designed for them.”More about our guest 🌐Jas Randhawa on LinkedIn: https://www.linkedin.com/in/randhawajas/ 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 ** 

In this week’s One Vision Podcast, we welcome back Sandeep Mangaraj, now co-founder of Aileron Group, to discuss lessons from building a company in a crowded AI market and why AI success is more about people and process than technology. The conversation covers executives rushing into GenAI due to FOMO, the importance of starting with desired outcomes rather than applying GenAI everywhere, and why mid-market institutions may benefit from faster time-to-decision, less technical debt, and faster learning cycles. The key question is whether firms can afford the downside of waiting. And the answer is increasingly: No.00:00 Welcome Back: Meet Sandeep Mangaraj 00:55 Building Aileron: Lessons From a Crowded AI Market03:49 The AI ROI Myth: What’s Actually Being Measured?05:28 FOMO vs Outcomes: Picking the Right AI Use Cases10:09 Falling Costs & Speed of Learning12:40 Who Owns AI Outcomes and Who’s Accountable When It Breaks?14:55 Third-Party Risk: Regulators, Vendors, and Dependencies19:51 “Can You Afford to Wait?”23:02 Closing: Act With Purpose in 2026Hot take:  The barrier to AI success isn't technology, it's people and process. #AI #Fintech #GenerativeAI #DigitalTransformation

Dive into the future of wealth with AI in Asia! 🌏🚀 Join Theodora Lau on the latest episode of One Vision podcast as she chats with Yves Roesti, Managing Partner & CEO Synpulse Group, about how AI is transforming the industry across APAC. From cultural nuances to regulatory challenges, they explore the intricate balance of human touch and technology, the unique challenges and opportunities in the region, the vision behind OpenWealth Association, and how AI impacts the future of consulting and wealthtech. 📍Hot take:“I actually think that junior consultants are uniquely positioned to be supercharged by the AI movement. The question to ask is, what skills do you need to have, in order to thrive in an AI-enabled world?  Being resilient, being creative, asking the right questions, being curious, and having empathy and having interpersonal skills.” Episode highlights  00:00 - Introduction and Welcome02:21 - AI Trends in APAC vs. US11:56 - OpenWealth Association18:00 - Future of Consulting with AI24:11 - Contrarian Views on AI 30:58 - Concluding Thoughts#AI #Fintech #WealthTech #Asia More about our guest 🌐Yves Roesti on LinkedIn: https://www.linkedin.com/in/yves-roesti/ 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 **

Join Theodora Lau on this new episode of One Vision — the FinTech Fuse, as she hosts Elias Kruger, Managing Principal at Long-Range AI Consulting. Elias shares his journey from his role at Wells Fargo to launching his own AI consultancy. Discover insights into the transformative potential of AI, the importance of responsible implementation, the potential impact on training, and what the future might hold. Join the conversation and let's shape a responsible AI future together! 00:00 Introduction and Guest Welcome00:38 Elias Kruger's Career at a Big Bank05:06 Transitioning into Entrepreneurship07:02 AI's Impact on the Workplace11:46 The Future of AI and Responsible Use22:32 Hopeful Innovations in AI📍Hot take: You can't beat competition by simply cutting your staff. You have to innovate with AI, you have to grow with AI.#AI #FinTech #FutureOfWork #Innovation #ResponsibleAI #BankingOnAI #DigitalTransformation Find Elias Kruger on LinkedIn: https://www.linkedin.com/in/ekruger1/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ 

🌟 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 Opportunities in the US Market06:13 The Importance of Modern Technology in Banking13:58 AI and Its Impact on Banking21:38 Strategies for Bank Transformation26:31 Looking Ahead: The Future of Banking29:46 Conclusion and Farewell📍 Hot take: Most banks and credit unions are spending 70 to 80% of their IT spend just on maintaining their legacy core, and it's providing little or no differentiation.#DigitalTransformation #AI #FinTech Find Jody Bhagat on LinkedIn: https://www.linkedin.com/in/digitalbusinessgrower/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ 

🚀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 and Future Prospects04:09 Challenges and Considerations in AI Implementation13:27 The Evolution of Banking Industry23:34 Looking Ahead: 2026 and Beyond📍 Hot take: “When you start thinking about the daily experience of digital banking for retail customers … the next wave is conversational.”#AI #FinTech #DigitalTransformation #BankingOnAI #BankingIndustry Find Alex Jimenez on LinkedIn: https://www.linkedin.com/in/ralexjimenez/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/