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What do the American people actually expect from companies deploying AI — and are corporate leaders listening?In this episode of One Vision Podcast, Theodora Lau sits down with longtime friend Tyler Spalding, Chief Marketing, Communications & Engagement Officer at JUST Capital, to unpack the organization's latest research on how the public, investors, and corporate executives view AI's impact on society, jobs, and the economy.They dig into the perception gap between public sentiment (66%) and corporate optimism (94% of investors and 90% of corporate leaders see AI as a net positive), and what that gap means for business leaders navigating workforce decisions, reskilling investments, and responsible AI deployment.The conversation also explores the tension between AI-driven efficiency gains and the human cost of disruption — from layoffs framed as AI transformation and the anxiety facing the next generation entering the workforce, as well as the importance of defining and incentivizing responsible AI through consistent, comparable standards guided by public expectations.📍Hot take: “ I've long believed that listening is a superpower.”Keywords: AI, Trust, Financial Services, Responsible AI, Future of Work, Venture Capital #AI #ResponsibleAI #FutureOfWork 00:00 Welcome and Introductions04:02 What Just Capital Does04:29 AI Optimism and Trust Gap05:43 Responsible AI Expectations12:34 Jobs Anxiety and Layoffs15:13 Reskilling and New Opportunities17:51 Next Generation and Education21:34 Defining Responsible AI StandardsMore about our guest 🌐Tyler Spalding on LinkedIn: https://www.linkedin.com/in/tyler-spalding/ 🌐Spring 2026 American Public, Investor, and Corporate Leader Perspectives on Responsible AI Deployment: AI Optimism Rises but Concerns Remain: https://justcapital.com/wp-content/uploads/2026/04/Wave-2-AI-Report.pdf 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 **

Audrey AI, a Dublin startup building AI for financial auditors recently announced a $1.8m pre-seed. The round was backed by Sure Valley Ventures, Delta Partners and Enterprise Ireland, with Donnchadh Casey (ex-CEO of Calypso) and Conor Jones (ex-CBO of Wayflyer) also investing.To find out more I caught up with Ryan Laughran the CEO and Co-Founder of Audrey AI.More about Ryan Loughran:Ryan has a BSc Accounting, from Queen's University Belfast and an MBA from Stanford. With 5+ years in professional services at McKinsey & Co he also has 5 years helping audit firms adopt technology at Qualtrics.

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

With An Garda Síochána recently reporting that over 2,100 motorists were caught speeding during the Easter Bank Holiday surge, road safety is now an important story.While the national figures show the scale of the problem, new research of 60,000 policies by Irish provider its4women identifies exactly where these habits are most ingrained. Their data reveals Cavan as the nation’s speeding hotspot (26% "dangerous speeding" rate), while Limerick and Roscommon emerged as the most compliant.Crucially, the study shows that telematics (black box) tech is actually fixing the issue, and in Limerick, claims for black box users dropped to less than 1%. To find out more about this I spoke to its4women’s CEO, Gary McClarty. Gary spoke about his background, the its4women’s analysis, telematics and more.More about its4women:its4women provides fast, flexible and reliable car, home and travel insurance available anytime, anywhere. You can make an amendment, view your documents or even renew your insurance policy via their quick and easy Customer Portal.

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

The market has evolved and the technology has evolved Sheila Kavanagh, female engineer and Network Director Vodafone IrelandLast month, Vodafone made telecoms history with Ireland’s first-ever mobile video call via satellite through a smartphone. Satellite video calls happen when data is beamed directly to and from satellites orbiting Earth. It means regular phone users in Ireland will soon be able to access the internet and make video calls via satellites, without needing to own a clunky satellite phone. It’s a significant move in the right direction for Ireland’s telecommunications industry, which regularly experiences connectivity challenges due to flooding, big freezes and heatwaves. I caught up with Sheila Kavanagh, engineer and Network Director Vodafone Ireland to find out more about this.Shelia talks about her background, Ireland’s first-ever mobile video call via satellite through a smartphone, the growing popularity of video calls and audio messages and more.More about Ireland’s Ireland’s first-ever mobile video call by Vodafone via satellite: Powered by AST SpaceMobile BlueBird satellite, Vodafone hopes this new technology will help people stay connected, even in the most hazardous climate conditions. In January last year, it was estimated that over one third of mobile phone users were affected by Storm Éowyn. In addition, the National Climate Change Risk Assessment (NCCRA) published by the Environmental Protection Agency last June identified 115 risks to Ireland from climate change, the most pressing being risks to energy and communications infrastructure due to extreme winds.

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 **

Bharat Sharma, is the founder and CEO of Apex, and he spent over a decade building complex B2B commerce platforms through Monsoon Consulting, gaining firsthand insight into the recurring operational challenges mid-market merchants face. Some of those challenges, such as manual and fragmented processes involving multiple buyers, layered approval, and strict financial controls, could not be solved with traditional B2C platforms, and this was when he noticed a pattern in B2B commerce platforms and why B2C tools are not fit to meet their challenges. Bharat also noticed that almost 65% of B2B executives reported that B2B online commerce is "broken" due to poor data, inefficient processes, and an inability to meet B2C-like convenience standards. Noticing these patterns across multiple projects, and this inspired him to create Apex, a purpose-built platform that addresses these pain points at scale. I recently caught up with Bharat and he spoke to me about his background, what Apex does, the challenges of B2B commerce and more.More about Apex:Apex is an out-of-the-box ready B2B eCommerce product for manufacturers, distributors, and wholesalers. Apex knows B2B e-commerce is hard which is why it makes it easy, providing everything you need, from pricing and quoting to self-serve dashboards. It is ready to go out of the box, so you can focus on growth, not setup.

I Wish is a multi-award-winning programme dedicated to driving the power of STEM to female students in Ireland and across the globe. I Wish brings STEM education to life in a high-energy, fun space, igniting a flame in the minds of girls.In the past 12 years, I Wish has engaged with 65,988 girls. 23,365 girls have shared their voices through the annual surveys to date. Initiatives include showcase events. To find out more about iWish I spoke to Caroline O’Driscoll the co-founder of I WishCaroline talks about her background, What I Wish does, STEM, gender bias, the speakers at this year I Wish event and more,More about Caroline O’Driscoll:As well as being the co-founder of I Wish, Caroline is a Corporate and International tax partner with Deloitte Ireland focused on the technology sector. Caroline is an Adjunct Professor in the College of Business and Law at University College Cork (UCC). Caroline is a former member of the gender balance advisory group for the Department of Education to achieve better gender balance in STEM education at the post-primary level. Caroline has held a number of board positions in the not-for-profit and charity sector.

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 #AI #Fintech #FutureOfWork #BankingIndustry #DigitalTransformation #5G