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 Welcome

02:20 The Game Changers and Misreads

11:57 The Role of Fintechs and Neobanks

21:24 The Future of Banking: A New Paradigm

32:16 Rethinking Banking for the Future

34:09 AI Native Banking

37:03 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 Innovation

More 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

One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech.

Hosted on Acast. See acast.com/privacy for more information.

From iPhone to AI-Native Banking: Rethinking Customer Journeys, Platform Strategy, and Human Value in a Tech-Driven World