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We're halfway through 2026, and the fintech landscape is moving faster than anyone can track. In this new episode of One Vision Podcast, Theo brings back three fan favorites — Jennifer White (J.D. Power), Tiffani Montez (Insider Intelligence / EMARKETER), and Julie Muhn (Finovate) — for a midyear roundtable that covers it all.What did the recent Finovate Spring reveal about where AI is actually landing in financial services? Tiffani shares the latest from the AI Visibility Leadership Board — why banks are no longer competing for attention, they're competing for recommendations, and why the rules of discovery have completely changed. Jennifer brings the data that captures our attention: 53% of consumers used AI in the last 3 months to ask a personal finance question. While awareness of bank-provided PFM tools runs 70–90%, adoption sits at 17–22%. Soft churn is now the real primacy threat. And Julie calls out one of the hardest questions in fintech: what's real, and what's just marketing?This episode covers AI as infrastructure, the trust paradox, agentic payments, GEO vs. SEO, and why the money leaving your primary bank might be the most important signal nobody's watching closely enough.🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, GenerativeAI, AI Agents, AI Visibility, LLM📍 “AI is no longer being just tacked on to existing platforms, like customer service chatbot. It's now being integrated into solutions.” ~ Julie Muhn📍 “For decades banks spend billions of dollars competing for attention, and they're now competing for recommendations.” ~ Tiffani Montez📍 ”You being the center of how the consumer manages where their money flows is a potential new definition for primacy.” ~ Jennifer White📍 “ Would we all have a little agent that's running around trying to look for the best product for us and move money for us?” ~ Theodora LauTimestamps02:35 AI Gets Practical05:25 Consumers Using AI07:04 AI Visibility Leaderboard14:26 Trust Paradox 19:53 Primacy and Soft Churn25:38 What to Watch NextMore about our guests 🌐Jennifer White on LinkedIn: https://www.linkedin.com/in/jennifer-white-57257424/ 🌐Julie Muhn on LinkedIn: https://www.linkedin.com/in/julieschicktanz/ 🌐Tiffany Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez/ 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

At the recent Future Health Summit which was held in Dublin, Nordic Europe delivered a special presentation on why Ireland has reached a pivotal moment in patient safety, with medication related harm responsible for around 50% of preventable harm globally. To find out more about this I spoke to Nordic Europe’s Vice President of Strategy and Transformation Bill Meredith, and their Vice President of Strategy & Country Manager for Ireland Claire Staple.Bill and Claire spoke to me about their background, what Nordic does, digital transformation reshaping medication safety across Ireland and more.More about Nordic Europe:From technology to teams, Nordic provides the end-to-end expertise that healthcare systems throughout Europe need to advance clinical and operational excellence through technology. They combine deep healthcare insight with technical and strategic expertise to help providers integrate new systems, improve workflows, and elevate patient care with confidence.

In this episode of One Vision Podcast, Danny Friday, CEO and Founder of Sail, joins Theodora Lau to unpack why the "boring" corners of fintech — HSA and FSA accounts — are exactly where the next wave of meaningful innovation is hiding. Danny shares the origin story behind Sail: a claim over a Spanish-language dental receipt that exposed a deeper challenge about regulated industries: most of their software isn't broken by accident, it's broken by indifference to user experience. They dig into why no one had built itemized, embedded HSA/FSA infrastructure before now, what changed technically to make it possible, and why Danny insists AI should never make the hard calls. The conversation closes on a bigger bet: that within three to five years, every digital banking app will help people reimburse tax-advantaged expenses, and what that means for the industry. 🎧 Listen now wherever you get your podcasts.Keywords: AI, Fintech, Healthcare, User Experience#AI #fintech #healthcare #UX #innovation #podcast Timestamps & Hot takes00:00 — Welcome, and the energy Danny brought to his pitch in Delaware01:30 — Why "boring" markets are where the money (literally) sits untouched03:00 — The stat: Americans forfeit billions in unused FSA dollars every year 05:30 — The origin story: a Mexico dental receipt, a Spanish-language invoice, and an endless loop with a benefits administrator07:00 — Regulated industries and the quiet acceptance that "software just sucks"08:30 — How Sail eliminates the HSA/FSA card entirely and why no one had built this before13:00 — The accountability question: "In most AI products, the cost of a wrong answer is embarrassment. In ours, it's an IRS audit."14:30 — Hot take: "AI should make it easy for the 95% to disappear so a human can spend all their judgment on the 5% that matters."16:00 — Trust as "new car smell" 19:00 — Inheriting trust through distribution: why showing up inside existing benefits relationships matters21:00 — AI and the founder journey: "It collapsed the barrier between an idea and a prototype."23:30 — Why understanding your industry still can't be prompted into existence25:00 — What's next: Sail's move from app to infrastructure, and a bet that every banking app will handle tax-advantaged reimbursement within 3–5 years26:30 — Closing: "We found money for you."**More about our guest 🌐Danny Friday on LinkedIn: https://www.linkedin.com/in/danny-friday-b86930112/ 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

Robotics and AI comes in many shapes and sizes revolutionising many different sectors. One of these sectors being revolutionised is the commercial cleaning industry, using autonomous cleaning, robotics, and innovation creating efficiency. To find out more about this I spoke to Shane O’Flaherty from CleaningMachines.ie. Shane talks about his background, what CleaningMachines.ie does, robots, AI and more.More about CleaningMachines.ie:CleaningMachines.ie have been supplying and servicing the cleaning industry for decades. In that time, they have built up a wealth of knowledge and earned ourselves a skilled and committed team.At CleaningMachines.ie, they don’t just sell cleaning equipment, they live and breathe it. Behind every scrubber dryer, industrial vacuum, or ride-on sweeper we offer, there’s a story of family, grit, and generations of hands-on experience.

NTT DATA, a global leader in AI, digital business and technology services, opened its new Dublin office earlier in the week and I attended the opening. Whilst I was there I interviewed Peter Burke, Minister for Enterprise, Tourism and Employment, Marianne Checkley, CEO Kinia and Professor Dan Kilper, Director CONNECT Centre Trinity College Dublin. I spoke to Minister Burke about NTT DATA being good for the Irish economy. I then spoke to Marianne Checkley about the excellent stem work Kinia is doing and how NTT DATA is helping them. Lastly I spoke to professor Dan Kilper about the great work the Connect Centre in Trinity College Dublin is doing with NTT DATA.

Since 2023, illicit financial activity has surged by $1.3 trillion, reaching an estimated $4.4 trillion globally. The reason isn't a mystery: bad actors have AI now too.In this episode of One Vision Podcast, Theodora Lau sits down with Tyler Allen, CEO of Unit21, to unpack what's happening on the front lines of AI-powered fraud. Tyler was Unit21's founding software engineer and he is now leading the company through a moment he calls "have your cake and eat it too": AI is finally cheaper than the human labor it could replace, and unlike humans, it doesn't get alert fatigue.The conversation goes deeper on:• The fundamental asymmetry between attackers and defenders — and why AI made it worse• Why majority of AI pilots fail (hint: it's almost never the technology) • Why AI makes sense for financial crime prevention and detection • What he asks potential buyers, from ownership and goals, to risk tolerance and more • What every FI should be demanding from their AI vendorsA conversation about the new physics of fraud — and the human consequences of getting it wrong. 🎧 Listen now wherever you get your podcasts.📍Hot take: ”It's a have your cake and eat it too moment … it feels good to be in a space where you do have societal impact.”Keywords: AI, AI Agents, Fintech, Fraud, Risk ManagementTimestamps00:00 Welcome and Intro00:26 Robots to AI Fraud01:31 AI Fuels Crime Surge05:19 Alert Fatigue and Checks07:26 Who Adopts AI Fastest09:30 First Questions for Buyers16:18 Vendor Evaluation Checklist22:25 Pilot to Production Lessons27:26 Tyler’s Career Origin Story31:36 Books, Podcasts, and LearningMore about our guest 🌐Tyler Allen on LinkedIn: https://www.linkedin.com/in/tylertallen/ 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 partnership with Heineken Ireland, AssistiV, wants to bring life changing technology to the hospitality sector that will support growth in the trade by helping fill job vacancies and foster inclusivity. To find out more about this I spoke to Barbara Anne Richardson, Sustainability and Public Affairs Manager at Heineken Ireland and Alan Craughwell, AssistiV Ireland CEO. Barbara and Alan talk about their backgrounds, what AssistiV does, Heineken’s partnership with AssistiV, Heineken’s and AssistiV’s rollout across the company and more. More about AssistiV :AssistiV is an assistive technology platform that supports people with intellectual disabilities, autism, and learning disabilities to complete workplace tasks independently through step-by-step guidance.It offers personalised prompts, routine reminders, and guidance whether preparing breakfast, packing a bag, or catching the bus. By removing barriers to employment like numeracy and literacy challenges, AssistiV levels the playing field and makes it easier for people with disabilities to work. To date, AssistiV is already supporting people with intellectual disabilities in hospitality and in other sectors - with aim to support 1,000 jobs within 5 years.

After more than a decade of crossing paths at conferences and following each other’s work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast. In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It’s about digging deep, listening closely, and finding solutions that truly matter. The conversation turns to AI’s rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand. And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?🎧 Listen now wherever you get your podcasts.📍Hot take: “ The next generation of financial services, if it is to correctly harness the power of AI to get there, it's not speed that matters, but understanding. And AI has to understand like you and I do as humans.” Keywords: AI, Fintech, Open Banking, Data, Future Of Work, Podcast Timestamps00:00 Welcome and Guest Intro01:42 Building Ecosystems in Appalachia07:00 Traits of Great Founders12:04 Data Access and Open Banking17:22 AI Hype vs Human Impact18:40 Agentic AI and Relationship Banking29:42 Friction Matters in Money33:45 Midyear Surprises and What’s Next39:30 Closing Thanks and FarewellMore about our guest 🌐Sarah Biller on LinkedIn: https://www.linkedin.com/in/sarahbiller/ 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

Magnet+, the leading independent provider of enterprise connectivity, cloud-based voice solutions and managed services, is seeing a significant increase in the uptake of Dedicated Internet Access (DIA) by businesses nationwide at the moment. Magnet+, part of Speed Fibre Group, serves over 7,000 customers across Ireland and Europe, including 70% of the world’s leading tech companies located in Ireland.The increase in DIA uptake (1G and up) is due to the fact that more and more organisations across Ireland are accelerating investment in cloud-based systems and platforms, real time data and collab tools, AI, cybersecurity and multi-site / hybrid working environments. To find out more about DIA and its uptake I spoke to Patrick Masterson, MD of Magnet+. Patrick talks to me about his background, what Magnet+ does, DIA, digital transformation and more.More about Patrick Masterson, MD of Magnet Plus:Patrick Masterson was appointed MD of Magnet Plus three years ago. With over 20 years of experience across a variety of areas including commercial, sales and marketing, Patrick’s reputation for driving commercial activities and improving overall business performance is a key asset to Magnet Plus.Prior to joining Magnet Plus, he held several Commercial Director and Chief Commercial Officer roles in leading Irish companies across the Retail, Healthcare and Technology sectors. He also has an MBA with Henley Business School in the U.K.

What happens to a deposit when the account holder dies — and why are banks so unprepared for the one moment they know is coming?In this episode of the One Vision Podcast, Theodora Lau sits down with Martha Underwood, Founder and CEO of Prismm and author of the new release: The Death of Deposits. Drawing on 25+ years across IBM, Silicon Valley, and BBVA Compass, Martha talks about the unspoken assumption in banking — that the user will always be there — and how that assumption is now colliding with the largest generational wealth transfer in history.Together, Theo and Martha unpack the retention illusion, why the beneficiary field is the richest unused lead list sitting inside every bank's core, and why deposit attrition at death is an infrastructure problem, not a marketing one. They dig into the operational reality, the cultural reality, and the human reality, and why AI's real job is orchestration under pressure (not more automation). A deeply human conversation about deposits, design, and what it really means to extend a banking relationship beyond a single account holder. 📍Hot take: “You cannot out-campaign demographics.”📍Hot take: "If you don't design for the transfer, you're going to lose the relationship."Keywords: AI, Wealth transfer, Wealth managementMore about our guest 🌐Martha Underwood on LinkedIn: https://www.linkedin.com/in/marthaunderwood/ 📘 The Death of Deposits by Martha Underwood: https://a.co/d/07TBuFvC 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