One Vision fintech fuse

🚀 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 Market Trends08:19 The Rise of Agentic Commerce10:49 Ethics and Security in an AI Era14:14 Future of Banking and Payments28:31 1033 and Data Sharing 32:23 Crystal Ball Predictions for 2026📍 Hot take: “If you have generative AI tools that are controlling the product discovery and recommendation, you lose all the data associated with that. I think there's definitely not a lot of dialogue about what gen AI means for banking in terms of product discovery.” ~ Tiffani Montez📍 Hot take: “Is anybody tracking how much money they have on their Starbucks card as like an asset?” ~ Pam Kaur📍 Hot take: “So know your customer, know your business. And now we're looking at KYA, Know Your Agent … We are probably severely behind when it comes to authentication and the security and privacy of it all.” ~ Julie Muhn#AI #Fintech #Payments #Agents #AgenticCommerce #Data🔗 Finovate White Paper: Fintech at the Crossroadshttps://get.informaconnect.com/finovate-2025-white-paper-fintech-at-the-crossroads/?web Find Pam Kaur on LinkedIn: https://www.linkedin.com/in/pamkaur001/ Find Tiffani Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez-b794283/ Find Julie Muhn on LinkedIn: https://www.linkedin.com/in/julieschicktanz/ 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/

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 our society. Join us for a thought-provoking discussion on digital trends and the future of our digital economy.00:00 Introduction and Guest Welcome00:53 Digital 2026 Report Overview02:40 AI Usage Statistics05:09 AI in China and Global Impact07:42 AI Tools and User Behavior23:40 Debunking Myths About AI and Agentic Commerce25:54 Consumer Behavior and AI Adoption34:46 Global Internet Access Disparities39:25 Projections for Digital Trends in 2026Hot Take: “ … understanding my place in the universe and my broader purpose as a human being. That's such a deep, profound conversation, and we're having it with robots. It. There's something ironic. A computer program.”Hot Take: “ Nothing in any of this is a binary choice and we've got to stop kidding ourselves that there is this magic one ring to rule them all. 'cause there isn't.”#AI #GenerativeAI #AgenticAI #Internet #Digital #Inclusion Find Simon Kemp on LinkedIn: https://www.linkedin.com/in/eskimon/ 🔗Digital 2026 Report via DataReportal: https://datareportal.com/reports/?tag=Global Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/

In this special on-location episode of One Vision, we welcome Andreas Mettenberger, Managing Director of Synpulse Hong Kong, to discuss the latest trends and opportunities in wealth management. Recorded during the 10th anniversary of Hong Kong FinTech Week, we explore the role of technology in wealth management, differences in regional approaches, and the mindset change needed to create new growth opportunities. Andreas emphasizes the potential of AI to streamline operations and enhance client interactions, anticipating a significant acceleration in AI deployment in the coming years.📍 Hot take: The main opportunity for RMs (relationship managers) is not that they will be replaced, but they will become more effective and they will be able to do more within the same amount of time. 00:00 Introduction and Welcome01:32 Challenges in Digital Transformation05:19 AI in Wealth Management09:01 Regional Differences in Wealth Management14:35 The Future of AI in Financial Services17:45 Looking Ahead to 2024#AI #FinancialServices #WealthManagement #DigitalBanking #Innovation #HongKong Find Andreas Mettenberger on LinkedIn: https://www.linkedin.com/in/andreas-mettenberger/   Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ 

In this episode of One Vision, host Theo welcomes Pamela Villanova, VP of Digital Banking at American Eagle Financial Credit Union. They discuss the credit union's major milestone in conducting a digital banking conversion and the multi-year journey it entailed. Pam shares insights into the strategic focus they adopted, emphasizing user experience, data utilization, and the importance of partnerships. The conversation also delves into broader industry trends, such as the rapid adoption of AI and blockchain, and the importance of human connection and adaptability in the face of accelerating change. Tune in to learn about the future of digital banking and how to balance the diverse member needs and innovation.00:00 Introduction and Guest Welcome01:17 Digital Banking Conversion Journey04:01 Strategic Focus and Challenges06:56 Lessons Learned and Industry Insights10:44 Balancing Member Needs and Innovation19:28 Future Challenges and Opportunities30:47 Conclusion and Final Thoughts#AI #FinancialServices #BankingIndustry #DigitalTransformation #Innovation Find Pamela Villanova on LinkedIn: https://www.linkedin.com/in/pamela-villanova/  Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/

In this episode of One Vision, Theo is joined by Alex Matjanec, founder and CEO of Wysh, and Jim Perry, an advocate for financial inclusivity. The trio delve into how institutions can offer real value and build trust with customers by embedding financial protection into everyday banking. Jim and Alex also discuss the broader implications of financial literacy and the efforts of The National Alliance for Financial Literacy and Inclusion (NAFLI) to bridge gaps in financial education.  Innovation and inclusion aren't separate paths — tune in and be inspired to go beyond good.  00:00 Founder’s Inspiration05:48 The Importance of Embedded Insurance27:59 The Role of Financial Literacy and Inclusion34:56 Conclusion and Final Thoughts📍Hot Take: “There's so much more that could be done to improve the financial wellness of consumers around the United States and around the world.”#FinancialServices #BankingIndustry #FinancialInclusion #TechForGood #EmbeddedFinance Find Alex Matjanec on LinkedIn: https://www.linkedin.com/in/alexmatjanec/ Find Jim Perry on on LinkedIn: https://www.linkedin.com/in/jasperry/  🔗About Wysht: https://venturebeat.com/author/louis-columbus 🔗About NAFLI: https://www.nafli.org/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ 

In this episode of One Vision, Theo chats with Louis Columbus, a prominent columnist for VentureBeat, about his work at the intersection of AI and cybersecurity. They discuss the rapid pace of AI development, the concept of shadow AI, and the importance of learning and intellectual growth. Additionally, they delve into the role of AI in writing and its impact on research. Louis also shares his thoughts on how to prepare the next generation for a tech-driven future, emphasizing the importance of parental support and using AI as a tool to enhance skills and competitiveness. Tune in for an enriching conversation that spans from technical writing and professional insights to parenting.📍Hot Take: “ You look at data across a landscape, the landscape is almost like a painting. And the data are the colors in the painting and it tells you a story.” 00:00 Introduction and Guest Welcome03:23 Exploring AI and Cybersecurity09:40 The Importance of Data Storytelling18:31 Advice for the Next GenerationFind Louis Columbus on LinkedIn: https://www.linkedin.com/in/louiscolumbus/ 🔗Articles by Louis Columbus on VentureBeat: https://venturebeat.com/author/louis-columbus Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/ #AI #DigitalTransformation #CyberSecurity

In this episode of One Vision, we welcome Wayne Miller, EVP, Chief Innovation Officer at ICBA, for an insightful conversation on the importance of community banks and evolution of fintech partnerships. Wayne shares his personal journey into the financial services industry and his passion for improving financial lives. The discussion touches on the challenges and opportunities in a digitally evolving landscape, including the roles of technology, AI, and payments. Tune in to hear Wayne's thoughts on the future of banking and his perspective on the biggest shifts in community banking.00:00 Introduction01:42 Reflecting on the Past Decade03:25 The Spirit of Community Banking05:30 The Art of Matchmaking in FinTech06:22 Evolution of Bank-FinTech Partnerships14:42 The Role of AI and Technology in Banking22:37 Future of Payments and Financial Services28:59 Community Banks and Financial Wellness32:30 Predictions and Reflections for the Future📍Hot Take: "Community banks are a critical part of the infrastructure and the vertebrae of this country."Find Wayne Miller on LinkedIn: https://www.linkedin.com/in/wayne-miller-2212a974/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/

In this episode of One Vision, we welcome Sean Scott, SVP Partnership & Personalization at U.S. Bank, to discuss the evolution of digital banking, and the intersection of innovation and execution. The conversation dives into Sean's journey in leading digital transformation initiatives at the bank and being customer obsessed. Sean shares his insights on the importance of blending technology and human elements, and the role of AI. We also explore the dynamics of FinTech partnerships and their potential to multiply value for customers. Tune in to learn how to be the true champion of the customer in the digital era.#AI #Fintech #FinancialServices #DigitalTransformation #CustomerExperience #Leadership 00:00 Introduction and Guest Welcome01:35 Sean's Background and Role at US Bank03:40 Key Lessons and A-Ha Moments in Digital Banking09:32 Empathy and Customer-Centric Approach16:18 Partnerships Between Banks and FinTechs20:54 Future Technologies and Their Impact📍Hot Take: Who will be the Doordash of financial services? Find Sean Scott on LinkedIn: https://www.linkedin.com/in/seanoscott/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/

In this episode of One Vision, Theo hosts Priya Gore, General Manager and Head of Cloud and AI Platform Solutions for US Financial Services at Microsoft, where they explore the expanded role of CFOs and impact of AI. Gore dispels common myths about AI, emphasizing its democratization and responsible usage. She highlights the importance of organizational readiness and the future of AI-driven work environments. The conversation underscores how AI can transform businesses, enhance customer experiences, and drive innovation, urging leaders to embrace AI thoughtfully and strategically.00:00 Introduction and Guest Welcome02:07 Impact of AI on CFOs and Finance Teams04:27 Addressing Myths and Pitfalls of AI05:54 AI in Regulated Industries08:19 AI-First Leadership and Organizational Change10:14 Future of Work and AI Agents14:06 Democratizing AI and Final Thoughts#AI #FinancialServices #CFO #FutureOfWork #Innovation #MSFTAmbassador📍Hot Take: If you take the technology off the table and just ideate about where do we want to bring more value to our business or to our clients and our stakeholders, those are usually the winning places to get started with AI.Find Priya Gore on LinkedIn: https://www.linkedin.com/in/priyagore/ Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/ 🔗My latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/ 🔗About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/