One Vision Podcast — Fintech, Banking & AI

Local Roots, Big-Bank Expectations: AuburnBank’s Digital Strategy

5.5K views · 3w ago · 26:53

What do you do when your customers love you for being local and expect you to work like a big global bank? Hot take: “There is a risk to staying where you are.” – Jerry Siegel, Sr. Vice President / CTO, AuburnBank Listen now wherever you get your podcasts.

Topics: Welcome and meet the guests · Jerry and Joanna backstory · Balancing legacy and tech · Why AuburnBank needed change · Implementation game plan · Training and change management

A Bag of M&Ms | Briana Marbury on Financial Exclusion

2.4K views · 4w ago · 21:47

Briana Marbury grew up in Detroit with one bank in the neighborhood. She opened an account after her first job. Then came the overdraft fees, and the fees on the fees. She had a choice: gas and groceries, or the bank. The bank account closed. So she went to the check-cashing place on the corner, five dollars at a time, for years — while the unpaid fees went to collections and marked a credit file that had barely started.

Topics: Welcome and Introductions · Interledger Foundation Origins · Hidden Financial Exclusion · Personal Stories and Literacy · Interoperability for Inclusion · Fixing Cross Border Payments

Platform or Pipe: Why Most Banks Already Chose — with Lou Carlozo & Dharmesh

158 views · 1mo ago · 36:00

Guest: Lou Carlozo

Every few years someone tells us banking is about to be disrupted. It never quite happens. So when Dharmesh Mistry and Lou Carlozo came on to talk about their new book, The Intelligent Ledger, I asked: Why is this time different?

Topics: Welcome and Guests · Introducing The Intelligent Ledger · Why Five Years · Convergence and Platform Shift · Skepticism and CEO Courage · Four Forces

Agentic Commerce's Real Bottleneck Isn't the Technology — with Jas Shah

5.9K views · 1mo ago · 28:30

Guest: Jas Shah

Agentic Commerce's Real Bottleneck Isn't the Technology — with Jas Shah A year and a half ago, agentic commerce was going to change everything. Type a prompt, get a package. So what actually happened? In this episode of One Vision Podcast, Theodora Lau sits down with fintech product expert Jas Shah for a clear-eyed look at where agentic commerce really stands. The technology has mobilized, but as Jas puts it, becoming ready is not the same as being ready.

Topics: Welcome and Intro · Agentic Commerce Reality Check · Trust and Value Exchange · Why Businesses Adopt First · Authorization and Fraud Guardrails · PSPs and Wallets Strategy

What we can learn from Latin America markets? Conversation with Rodrigo Silva at TRF Americas.

12K views · 1mo ago · 7:03

Guest: Rodrigo Silva

I caught up with Rodrigo Silva, President, Latin America, Temenos, at the recent TRF Americas. We talked about some of the insights unique to Latin America, including The ecosystem in Brazil and the secret sauce behind the success of PIX. “Show me, don’t do it for me.” How does the relationship-based culture influence banks’ AI strategy?

Breaking banking barriers with a single source of truth

3.3K views · 2mo ago · 18:33

Breaking banking barriers with a single source of truth In this week’s One Vision Podcast, Theodora Lau hosts Kathryn Outlaw, Co-Founder and COO of Spheros, a B2B SaaS platform that aims to unify client data into a single source of truth, enabling accurate, consented data sharing and supporting reliable AI agents. Kathryn talks about her entrepreneurial journey, the inspiration behind the startup, and the goal of making Spheros as essential as DocuSign for onboarding.

Topics: Welcome And Guest Intro · From Banking To Startup · Why Spheros Exists · Agents And Data Consent · Open Banking Pathways · Founder Lessons Learned

Delight is a deposit strategy

3.4K views · 2mo ago · 37:44

"Delight is a deposit strategy." In this episode of One Vision Podcast, Angela Scott, Sales Enablement leader at Zions, joins host Theodora Lau, to discuss her idea that “delight is a deposit strategy,” arguing banks can win deposits by creating intuitive, responsive, and even enjoyable experiences that make money movement easy, especially when digital experiences are constrained by shared core and app vendors.

Topics: Welcome and Introductions · Delight as Deposit Strategy · Banking UX and Vendor Limits · Neobank Story and Micro Delights · Angela’s Origin Story · Inclusion and Literacy Work

Building Faster with AI: Trust, Speed, and Ecosystem Thinking

2.6K views · 3mo ago · 24:04

Guest: Huyen Tran

In this episode of One Vision Podcast, Theo chats with Huyen Tran from US Bank and founder/investor at Elys Ventures. Huyen shares her path from computer engineering and early real-estate investing to two decades in banking product leadership and P&L ownership.

Topics: Welcome and Guest Intro · Path to Banking · Are Banks Really Slow? · AI Changing Bank Product · Customer Expectations and Trust · Inside Elys Ventures

The Human Edge: AI, Trust, and the Future of Connection

2.8K views · 3mo ago · 33:51

Anthony Sar, Co-founder and CEO of Finoverse and the driving force behind Hong Kong Fintech Week, joins Theo on One Vision to share the story behind one of Asia's most iconic innovation gatherings. From a bar conversation about hitting 5,000 attendees (when they had 300) to welcoming 45,000 people from 120+ economies at their 10th anniversary, Anthony reflects on what it takes to build something that genuinely keeps people in the room.

Topics: Welcome and Introductions · A decade of Finoverse and Hong Kong Fintech Week · Introducing Samantha: The AI Host · The Future of Events and Networking · How AI Makes Human Connection More Valuable, Not Less

The Map and the Landscape: Paolo Sironi on Quantum Sapiens, AI, and the Meaning Machines Can't Carry

2.7K views · 3mo ago · 36:52

In this new episode of One Vision Podcast, Paolo Sironi joins Theodora Lau to unveil his new book, Quantum Sapiens, a philosophical literary thriller on artificial intelligence, quantum gravity, and the origins of human consciousness. A burning question: Why now?

Topics: Welcome Back Paolo · Unveiling Quantum Sapiens · Why Fiction Not Whitepapers · From Fintech to Consciousness · Illusion of AI Meaning · Poetry as AI Antidote

The AI Experience Gap — Theodora Lau with Tim Rutten

13K views · 3mo ago · 22:26

Guest: Tim Rutten

In this episode of Banking Reinvented, Theodora Lau joins host Tim Rutten, CMO at Backbase, to unpack the widening AI experience gap in banking. While banks invest in operational efficiency, consumers are already racing ahead, asking financial questions through AI tools. The institutions not showing up in those results are missing the signals, the data, and the relationship moments that everything else depends on.

Topics: The core argument: banks optimize for efficiency, but what about the consumer? · Lessons from China: and why we have yet to replicate the model a decade later

The Coach Inside Your Banking App — Alisha Chowdhury on Closing the Advice Gap with AI

2.7K views · 4mo ago · 25:35

In this new episode of One Vision Podcast, Alisha Chowdhury, Founder of Kiro Money, joins Theodora Lau to argue that the same technology, pointed with different intentions, can do the opposite: close the advice gap instead of widening it.

Topics: Welcome and Introductions · Alisha’s Founder Roots · From New Orleans to Finance · Career Path and MBA Pivot · What Kiro Money Builds · AI Agents and Product Vision