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

What separates an AI agent that demos beautifully from one that actually runs in production at a bank? In this episode of One Vision Podcast, Theodora Lau reconnects with Maté Jendrolovics, CEO and Founder of Intuitech, for a candid conversation about the reality of agentic AI in financial services — where "80% accurate" doesn't mean 80% of the value. Maté shares how Intuitech has expanded in the past year, and his idea of an AI-native bank. A grounded, hype-free conversation about doing AI in financial services the hard way — and why that's the only way it creates real value.📍Hot take: we don't treat agentic AI technology as a magical wand that does everything.Keywords: AI, Fintech, Agentic, AI Agents, Banking Industry #AI #Fintech #Agents #AgenticAI #BankingIndustry00:00 Welcome Back Maté03:10 From POCs to Production04:22 Accuracy Over Demos07:07 Composite Tech Not Magic08:49 When Not to Use GenAI10:46 Designing AI Native Workflows13:49 What Is an AI Native Bank15:15 Three Pillars of AI Native19:45 What We Want the Market to LearnMore about our guest 🌐Maté Jendrolovics on LinkedIn: https://www.linkedin.com/in/mate-jendrolovics/ 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

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 Intro03:03 Protocols and Walled Gardens10:25 Who Does the Agent Serve14:20 Post Purchase Identity and Disputes22:54 Merchant Playbook for Agentic Search32:41 Consent and Payments Friction35:25 Dynamic Pricing Meets Agents39:06 Market Design and Controls44:48 Seller Data Playbook51:35 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

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 Introductions00:47 Why bunq Is AI Native03:42 Meet Finn GenAI Platform08:26 US Expansion Strategy13:00 User First AI Mindset18:39 Privacy Trust and Transparency22:10 AI Fraud Prevention Journey24:11 What Keeps Bianca Going27:20 Closing and FarewellKeywords: AI, Fintech, User Experience, Banking Industry, User Centricity, GenAI, AI Ethics, AI in Banking, FraudMore 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

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 Welcome02:20 The Game Changers and Misreads11:57 The Role of Fintechs and Neobanks21:24 The Future of Banking: A New Paradigm32:16 Rethinking Banking for the Future34:09 AI Native Banking37:03 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 InnovationMore 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 

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 Intro01:55 From Forrester to Responsible AI04:04 The Book Idea Takes Shape06:58 AI Metaphors for Addiction16:05 Advice to Younger Self20:39 Looking ForwardHot 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 

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 Jennifer01:24 Consumer Resilience Snapshot06:26 Holiday Reality Check16:21 MrBeast Meets Fintech23:46 Chime and New Account Churn28:41 Consumer Trust and AI Tools41:31 Back to Service FundamentalsHot 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

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 Book04:13 Durable AI Principles06:22 Competition between Firms08:58 Agents as Assembly Robots14:43 Trust and Delegation Lines16:37 Kaizen and How the Principle Applies24:05 Key TakeawaysHot 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, trustMore 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 

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 #AIAgents00:00 Welcome and Setup: The Agentic Commerce Alphabet Soup02:53 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 Era21:04 Trust Data and Curation25:44 The Economics and Gatekeepers33:57 Predictions: Who Will Emerge as The Likely Winner41:56 What Banks Should Do NextHot 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, ACPMore 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