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

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