TopPodcast.com
Menu
  • Home
  • Top Charts
  • Top Networks
  • Top Apps
  • Top Independents
  • Top Podfluencers
  • Top Picks
    • Top Business Podcasts
    • Top True Crime Podcasts
    • Top Finance Podcasts
    • Top Comedy Podcasts
    • Top Music Podcasts
    • Top Womens Podcasts
    • Top Kids Podcasts
    • Top Sports Podcasts
    • Top News Podcasts
    • Top Tech Podcasts
    • Top Crypto Podcasts
    • Top Entrepreneurial Podcasts
    • Top Fantasy Sports Podcasts
    • Top Political Podcasts
    • Top Science Podcasts
    • Top Self Help Podcasts
    • Top Sports Betting Podcasts
    • Top Stocks Podcasts
  • Podcast News
  • About Us
  • Podcast Advertising
  • Contact
Not in our directory?
Add Show Here
Podcast Equipment
Center

toppodcastlogoOur TOPPODCAST Picks

  • Comedy
  • Crypto
  • Sports
  • News
  • Politics
  • True Crime
  • Business
  • Finance

Follow Us

toppodcastlogoStay Connected

    View Top 200 Chart
    Back to Rankings Page
    Business

    One Vision

    One Vision podcast co-hosted by Theodora Lau, Arunkumar Krishnakumar, and Maxson J.Y. Tee, brings purposeful innovation to spotlight.

    It is where impact meets innovation. One Vision is a convergence of minds that dream of a sustainable world for future generations galvanized by innovation.

    We speak to startup founders, investors, industry players, thought leaders and policy makers in the innovation ecosystem and get their views. While there have been a lot discussed about innovation in the western world, we believe that impact at scale can be achieved in the emerging markets too. In recent times we have seen several leap frog moments across the emerging world. What Alibaba and Tencent have achieved in China, PayTM in India and MPesa in Africa are great examples of impactful stories. We talk to many emerging market players and highlight their efforts to create such leap frog moments.

    We believe there are many innovation stories that have impact on people’s life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, One Voice for One sustainable future.

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

    Advertise
    • Apple Podcasts
    • Google Play
    • Spotify
    Latest Episodes:
    The past, present, and future of money Mar 13, 2023

    What is the future of wallet and how do banks prepare for the digital space race? Join us as we travel back in time with Ronit Ghose from the golden era of London — through Stockholm and Hong Kong to Dubai, crisscrossing stories between traditional finance, decentralization, consumer fintech, and digital assets. What is Ronit’s prediction for the future of the internet and the future of wallet? Will CBDC happen in Europe and the U.S.? Tune in to find out!

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

    Bankers like us — with or without the pearls Feb 27, 2023

    Change is not an abstraction. We have the tech at our disposal; what we do need is to make a choice. Do we have the intention to change and do what is needed? And are we doing enough? In this episode of One Vision, Theo chats with Dr Leda Glyptis, Chief Client Officer at 10x Banking, and author of “Bankers Like Us”, on culture and transformation. Much like Frodo Baggins and the Fellowship of the Ring, you are not alone. As Gandalf the Grey said in the Fellowship of the Ring: “All We Have To Decide Is What To Do With The Time That Is Given To Us.” The book is a call to action: the ball is now in your court.

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

    Every day presents a new opportunity to rewrite your story. It’s never too late. Feb 21, 2023

    In a world divided, where it can be challenging to find common ground, can we still lean on each other and learn to trust, especially when times are tough? In this episode of One Vision podcast, Theo chats with Scott Luton, Founder, CEO, and Host of Supply Chain Now podcast, on the magic of supply chain and our lived experiences. As Scott regularly reminds us , that even during the worst of days, we can always find some good news and rays of hope. As we continue our journey through the year, let’s be intentional in looking for ways to connect and empower others. Just as Scott says at the end of his Supply Chain Now podcasts: “Do Good. Give Forward. Be the Change That’s Needed.”

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

    Through the eyes of a technologist Feb 13, 2023

    How will the future play out? That’s a question that is often asked when it comes to looking at the impact of emerging technology on incumbent industries. Banking is no different. When savings, borrowing, and lending, can be done more efficiently and safely elsewhere, what will (eventually) happen to the banks? And what are some new areas of opportunities that banks should start focusing on? In this episode of One Vision, we chat with Adi Ben-Ari, Founder and CEO of Applied Blockchain on privacy, security, and efficiency of distributed solutions, how such technology can be applied to solve real-world use cases in the financial services industry, and what still needs to be done.

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

    From Rust Belt to Tech Belt: A comeback story for the silicon heartland Feb 06, 2023

    Technology has not only changed the way we live and work, it is also at the forefront of economic growth in America’s heartland. Remote workers and an influx of new investments are slowly transforming the rust belt into zoom towns, each flourishing with innovation from artificial intelligence and robotics to biotech and military tech. In this episode of One Vision, Theo chats with Rebecca Fannin, journalist, media entrepreneur, and author of Silicon Dragon, Startup Asia, and Tech Titans of China, on tech innovation in the East, local innovation economies in the U.S., and what gives her hope.

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

    From C-Suite of Tier 1 Banks to Fintech Jan 30, 2023

    As someone who has spent years running tier 1 big banks, Ashok Vaswani is no stranger to the pressure and demands for incumbent banks to evolve with the change of time. While there is always much talk about digital transformation in financial services and the need to update the tech stack with emerging technologies, one thing remains true: technology is an enabler — a means to an end. “What is the problem that you are trying to solve?” In this episode of One Vision, we chat with Ashok Vaswani, President, Pagaya, on banking, innovation, and what the new year holds. As Ashok said so beautifully: “Fintech and big banks need to work together; the combination between the two is far more powerful than either one going alone.”

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

    Sustainability - Innovate for the future Jan 25, 2023

    New year, fresh start, infinite possibilities. Along with Jessica Scott, Susan Shumway, and Tom Raftery, we explore ideas and real world examples on how we can innovate for our shared future, and create a more sustainable world that is better for business and for our planet. As the year begins anew, there is no better time than now to set the plans in motion and create positive impact - together. Tune in to this LinkedIn Audio Event and learn more.

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

    A conversation with a visionary on the future of the internet Jan 23, 2023

    Trying to define the Metaverse is akin to trying to define the internet when the internet wasn’t there. While the technology components such as artificial intelligence and blockchain are not new, convergence of these technologies is novel and still evolving. In this episode of One Vision, Theo and Arun chat with Dr. Martha Boeckenfeld, Dean and Partner of the Metaverse Academy and Strategic Metaverse & Web3 Advisor, on the challenges and opportunities of this future vision of the internet. Don’t miss this opportunity to hear Dr. Martha predict the unpredictable future. Hint: It’s all about the community.

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

    From exclusivity to community: Delivering on the promise of technology Jan 14, 2023

    In this episode of One Vision, Theo and Arun chat with Mike Dudas, a serial entrepreneur and investor, and the Founder & General Partner of 6MV. 2022 certainly has not been an easy year for the industry. From poor market performance and bankruptcy filings, to a string of hacks and exploits, and most recently, the FTX collapse, trust — along with millions of dollars — was lost in a catastrophic year. Token economy is challenging to figure out; but it also offers opportunities to do things differently if we can clear the roadblocks and learn from the past. Web3 and crypto, according to Mike, offer a model for greater direct participation, governance and ownership in the app layer of tomorrow’s internet. While we aren’t quite where we need to be yet, there is no better time to build than now.

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

    Sustainability: A journey and a call to action Jan 09, 2023

    In 1987, the United Nations Brundtland Commission defined sustainability as “meeting the needs of the present without compromising the ability of future generations to meet their own needs.” How far we have come; and how far we have yet to go. In a recent IBM Institute for Business Value study, almost half of CEOs indicate that increasing sustainability is one of the highest priorities for their organization in the next 2 to 3 years. However, despite the enthusiasm, they are encountering significant obstacles, with 57% of CEOs identifying difficulty clearly defining and measuring ROI and economic benefits as one of the greatest challenges to achieving sustainability objectives. In this episode of One Vision, Theo chats with Andy Barnes, Executive IT Architect and Member of the IBM Academy of Technology, on IBM’s efforts in championing sustainability and responsible computing. Green computing (or Green IT) is an essential enabler in helping organizations meet their sustainability goals. The time to act is now.

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

    Culture of belonging Jan 02, 2023

    From the great resignation and quiet quitting to career cushioning and layoffs, we have witnessed a great deal of turbulence in the workplace in 2022. As the culture continues to evolve, how can organizations best support their employee’s expectations for work-life balance and flexibility? And more importantly, how can leaders foster an open, honest, and safe environment that is conducive to innovation and productivity? In this episode of One Vision, Theo and Arun chat with Rashmi Prabhakar, VP Strategy & PMO at Genesis Global, on mental health, workplace culture, and psychological safety.

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

    Deck the Halls with Fintech Friends Dec 19, 2022

    From the great resignation, quiet quitting, big layoffs, and career cushioning, to record inflation, supply chain woes, climate crisis, and crypto winter, 2022 has been an eventful year to say the least. As we look back at the past twelve months, what caught our eyes and what made us laugh? In this episode of One Vision, Theo is reunited with Stephanie Foster, Barb MacLean, and Mary Wisniewski to bid farewell to 2022 and cast our predictions for the new year. Get ready for some myth busting and fun with friends!

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

    Never a dull moment in the world of cybersecurity Dec 12, 2022

    As technology continues to transform how we bank and where we bank, trust is no longer limited to handshakes between two parties. From connected devices, to data collectors and various third parties, there are a myriad of interconnections that can expose a business to threats. In this episode of One Vision, Theo chats with Derrick Johnson, National Practice Director for Cyber Operations within AT&T Cybersecurity Consulting, on trust, and how financial institutions can go from reactive to proactive. A Zero Trust cybersecurity strategy is within reach.

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

    On fintech and hope: The American Dream Dec 05, 2022

    From fallen empire to new beginnings, Lamine Zarrad, the Founder and CEO of StellarFi, has one of the most unusual stories. And an incredibly inspirational one. Don’t miss this week’s One Vision episode, where Mary Wisniewski and myself chat with Lamine on his banking journey, entrepreneurship, and the fintech promise. Hint: We cannot change things with just technology.

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

    Leading with your authentic self Nov 28, 2022

    How does our lived experience shape us, in the path that we follow and the people that we surround ourselves with? How do we instill kindness in the next generation, and teach them to be mindful? In this episode of One Vision, Theo and Stephanie chat with Genevieve Dozier, speaker, board director of PayTech Women, and founder & CEO Warpaint Consulting, on her past, present and future, playing by the rules, and leading with authenticity. Prepare to be inspired.

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

    Say hello to our new co-pilot: Max Tee Nov 21, 2022

    The proliferation of digital assets has accelerated rapidly in recent years. From crypto and NFT to CBDC, security tokens, and beyond, digital assets are disrupting the financial services ecosystem. While blockchain might have begun as a cryptocurrency payment platform, it has evolved to cover much wider and interesting use cases. Going back to the original roots of One Vision (originally known as Rhetoriq), we are delighted to introduce our new regular co-host, Max Tee, to join us on the show and to bring us new storylines from the digital assets and web3 world. Get ready to mix things up and get max’ed out — right here on One Vision.

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

    Every company is a fintech company Nov 14, 2022

    What does the future hold for the world of payments? How might we leverage technology to enable opportunities for more people, in particular the small business sector, which is the backbone of our economy? In this episode of One Vision, Theo chats with Shilpa Bangera, Chief Revenue Officer of Finastra on digital transformation and the future of finance. From the rise of open banking to the proliferation of super apps and embedded finance, there is hope for a more customer centric and seamless experience.

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

    The Soul of Startups: Culture, culture, culture Nov 07, 2022

    What attracts you to a company and what makes you stay? In the chaotic world of startups, what are the essential elements that enable teams to not only survive, but thrive? In this episode of One Vision, Theodora Lau and Stephanie Foster chat with Sophie Theen, a Strategy, People & Culture Leader, on her latest book, The Soul of Startups: The Untold Stories of How Founders Affect Culture. We went down the memory lane (or rabbit hole) of some of our shared experiences, and the good, bad, and ugly in fintech startups. Spoiler alert: All hope is not lost. Always the optimist, Sophie reminds us that it is indeed never too late to change.

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

    Building on belief - For the love of running Oct 31, 2022

    Running is about belief, determination, and community. How we get to the finish line and who joins us along the way are memories we all want to cherish. Have you ever wondered about the humans behind the marathon and the technology that brings them together? In this episode of One Vision, Theo and Bradley chat with Frank Diana, Managing Partner and Futurist at TCS, as well as Susanna Sullivan, a public school teacher and competitive runner, and part of a group of teachers sponsored by TCS, about the upcoming TCS New York City Marathon and the tech innovation that serves to enrich the race experience. As in years past, technology will play a key role in bridging our physical and digital worlds and creating lasting memories of key moments. From the past, to the present and the future, the way we connect to each other will continue to evolve and be reinforced — from bits and bytes to true human connections — with the power of data.

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

    Demystifying angel investing: Convo with a purpose-driven investor Oct 24, 2022

    When you invest in an early-stage startup, you are making a bet on the founder and the co-founding team — the humans who are authentically connected to the mission. It is a privilege to be an angel investor, a unique role that can make a real difference for a startup, not only because of cash flow, but because of non-financial support — including the real world knowledge and experience you have earned through your own journey. In this episode of One Vision, Theo chats with Maya Ghosn Bichara, an early-stage, purpose-driven investor and advisor, on the ins and outs of angel investing. Have you ever wondered what it takes to be an angel investor? Tune in to find out! It is an absolutely inspirational conversation that you would not want to miss.

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

    Metaverse: A vision of the new immersive Internet Oct 17, 2022

    Gartner predicts that 25% of people will spend at least one hour a day in the Metaverse by 2026 either for work, shopping, education, social or entertainment. McKinsey found that the Metaverse could be worth US $5 trillion by 2030 and the opportunity is simply ‘too big to ignore’. But what exactly is the Metaverse, how does it work, and what are its key building blocks? What are the seven layers of Metaverse and why are the big technology firms taking such a keen interest in them? In this episode of One Vision, Theo and Arun chat with René Schulte, Director of Global Innovation at Valorem Reply and Leader of the Spatial Computing and Metaverse practice at Reply, on the opportunities and challenges of this new immersive Internet. From form factor and social acceptance, to interoperability and responsible usage, what does the future hold? Do we need virtual bouncers for the Metaverse? Tune in and find out!

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

    What if the metaverse could really help make banking better? Oct 10, 2022

    Web3 has been called a lot of things: the future of a decentralized web, the money layer for the internet, and the identity layer for the internet. Some see Web3 as a new patron model for the internet—a way for artists and creators to get compensated for their work through new communities and cooperative ownership, as well as the sale, trading and ownership of NFTs and other digital goods. Much of the gaming economy is centered around these types of communities, as are the half dozen or more versions of the metaverse, in which avatar-led facilitators act as the primary-user experiences, and digital goods can be acquired and communities formed. But web3 and the metaverse can mean a lot more for banking. In this episode of One Vision, Bradley hosts a conversation with Caroline Hughes, Co-Founder and CEO of Lifetise, a metaverse that is focused on financial education and helping people create the opportunity to be financially secure and create a life they love. You’ll be sure to love what they are doing.




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

    The future is now: Banking in a changing world Oct 03, 2022

    In recent years, artificial intelligence has become an integral part of our daily lives, driving much of what we do and what we experience. Financial services is no exception. To meet the needs of changing demographics, being able to attract and retain the right talent is crucial. In this episode of One Vision, Theo chats with Abhijit Bose, MVP, Head of Center for Machine Learning and Enterprise ML Platforms at Capital One, on financial services innovation and how the bank is leveraging AI and machine learning to improve customer experiences. As the line between banking and technology continues to blur, the time is now for banks to nurture talent of today to tackle the challenging questions of tomorrow.

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

    Happy 200 — Celebrating stories with purpose Sep 26, 2022

    4 years. 200 episodes. From “Blockchain and Financial Inclusion”, to “Shades of Grey”, “Judge me by my cover”, “Red Envelope”, “The Other 50”, and finally “One Vision”, it has been our privilege to share the platform with over 170 guests on the show to talk about wide-ranging topics from innovation and fintech to the future of work and emerging technologies; from founders to funders and evangelists across geographical boundaries, we were united with a common goal: to tell stories with purpose. Thank you for your support through the years. It has been an honor to bring you the show every week and we look forward to the next 200.

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

    It’s not all doom and gloom for fintech. Now is the time to build. Sep 19, 2022

    We consume a lot of information each day. When we read the latest news about what’s going on in fintech, venture capital, and the different spectrums of new technology, we aren’t always provided context around the broader story, nor are we often brought into the lives of those building what’s next. Context is important, as is understanding how technologies are impacting our lives. Those that shape the news can either remove or fan the flames of biases around our perception of these changes and how they impact our communities. In this episode of One Vision, Bradley chats with Mary Ann Azevedo, Senior Report at Techcrunch, about how she sees the current fintech landscape, and how she approaches the craft and responsibility of reporting the changing face of technology.

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

    Break through and lead with empathy Sep 12, 2022

    Our world has changed, and along with it, our workforce and their expectations. Employees are increasingly looking for purpose beyond a paycheck. "Make inclusiveness part of your culture" is a crucial cornerstone of successful companies; yet, driving a long-term D&I strategy is easier said than done. In this episode of One Vision, Theo welcomes Vanice Hayes, Chief Culture, Diversity and Inclusion Officer at Dell Technologies, to discuss how businesses can break through and lead with empathy – from reskilling to more diversity to digital inclusion. Vanice also shares insights from Dell’s Breakthrough Study and the company’s latest efforts in advancing digital inclusion and education for underserved communities around the world.

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

    What does it take for your financial brand to go beyond the arc? Sep 05, 2022

    There are so many interesting paths that financial services and fintech have taken the past decade. How we serve customers across the landscape of products and services has seen a sea of change and the addition of digital experiences as the business model has changed. Yet, when we think about the ways that financial brands can go down the wrong path, the list of lessons is a long one indeed. To avoid some of these pitfalls, it is important to truly understand and appreciate your customer experiences, those journeys that shape the connectivity between brands and the customers and communities they serve. In this episode of One Vision, Bradley speaks with Steven Ramirez, CEO of Beyond the Arc, as he speaks about how his firm works with financial brands to better understand their data, their technologies, and their relationships with the people they serve.

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

    That time when magic robots helped you get a loan Aug 29, 2022

    When was the last time you applied for a loan or some form of credit? Was it a magical experience? Did it take just a few minutes from application to funding? What if robotic process automation could mimic the human element for the more common requirements for lending and what if the majority of these, often tedious, parts of the loan application process could be done simply through a mobile phone? There are many efficiencies still to discover in financial services, and automating more and more of the customer experience can make perfect sense while it frees up real well-trained humans to talk to customers when they need you most. In this episode of One Vision, Bradley chats with Joseariel Gomez Ortigoza, founder of Shastic, a companion application that helps make any process at your financial institution or fintech that much more efficient and customer-centric. Join us to hear why this matters, and how more processes can go Beyond Good when it comes to customer experience.

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

    How can more spending lead to more giving? Aug 22, 2022

    When we think about the way we spend money, we might think that the opportunity cost of that spending is what we cannot save or what we cannot invest. But what about the opportunity cost of not giving? Think about how much you have donated to charities or causes throughout your life, whether it was in the form of money or your time. What if every time we spent money, we saved some and simultaneously helped the organizations that take care of people in the most need across our communities? This needs to become standard practice within the financial services ecosystem, because we can make banking better. In this episode of One Vision, Bradley chats with Susan Langer, the CEO of Spave – recent winner of Best of Show at Finovate Spring – as she talks about how her team has built a way to integrate spending and savings activities that help share purpose and value everyday. It’s time to rethink spending and savings and giving – now we can do all three at once.

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

    When we lose privacy and rights, we lose democracy Aug 16, 2022

    Data is central to everything that we do. But as we go about our daily lives, how do we ensure we are protected? It’s not just about what data is being collected and what is being done with it; it’s also about who holds the power to make those decisions. And what guardrails do we have in place to ensure companies are acting ethically? Can we push them to change? In this episode of One Vision, Theo chats with Joe Toscano, author of Automating Humanity, on data privacy and rights. When we don’t have protected communications, we lose democracy and freedom. As Joe said, “Democracy is an active fight.”

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

    Random collision of fintech minds Aug 09, 2022

    If you could be anyone in the world, who would you be? Would you be a spy, a lead singer in a rock band, a legendary product designer, or something else? What happens when fintech minds collide in the most random fashion? In this episode of One Vision, which at times feels more like a family dinner conversation, Theo reunites with Barb MacLean and Chris Garrod to talk about our virtual selves, technology, and Barb’s fintech playlist. While we might all be at different physical locations, fintech will always be the common bond that brings us back together. All aboard the crazy train, shall we?

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

    People, Planet, and Profit: Creating a better world through business principles Aug 01, 2022

    Can we create a positive impact through dialogue and mindset change? How does our supply chain impact sustainability? How does our marketing campaign impact diversity, equity, and inclusion? From governance structure to financial metrics, how are we sparking economic growth for the entire ecosystem? In this episode of One Vision, Theo chats with Nima Farshchi, Director of the Center for Social Value Creation at the University of Maryland - Robert H. Smith School of Business, on creating a better world through what we do. It’s time to re-imagine our impact and grow the pie, one action at a time.

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

    In the eye of the storm: What’s next for fintech? Jul 26, 2022

    Recent market volatility has decimated fintech valuations and funding has become harder to come by. Instead of growth at all costs, startups are facing increased pressure to show profit. In this new episode of One Vision, Theo chats with Tiffani Montez, Principal Analyst at Insider Intelligence, on the era of uncertainty. Can neobanks continue to drive user growth rates and move to black fast, while weathering regulatory changes and intense competition? How will BNPL evolve as delinquency goes up and economic uncertainty continues? And as big tech pushes further into financial services, how will the industry respond?

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

    A fintech founder’ story: For the love of people and love of hope Jul 19, 2022

    When we reflect upon who we are and where we are in our career path, who has influenced us the most in our journey, to become the person we are today? In this episode of One Vision, we welcome the return of our co-host Stephanie Foster, as we chat with Dana Wilson, CEO and Founder of CHIP, on wealth management and the importance of empowering others to live their financially authentic lives. There is no magic bullet — nor a single set of remedies — when it comes to fostering diversity and inclusion. From family endowment, education, employment, access to finance, to representation, and social attitudes, there are many factors that influence both equality of opportunity and equality of outcomes. But if we are intentional about creating space for others at the table, and making sure people are seen and their voices are heard, we can fight for — and effect change — together. We belong here.

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

    The mind of the radical thinker — from Wall Street to Crypto Economics Jul 11, 2022

    2022 has been an eventful year, to say the least. From positive gains in financial inclusion, to crypto winter and the Metaverse, much is evolving. What will be the new players in the emerging Web3 ecosystem as we continue to iterate? And what role will traditional finance play? In this episode of One Vision, we chat with Lex Sokolin, Head Economist at ConsenSys, about what’s next for fintech innovation, cryptocurrency, and regulations, as he moves with the edge of the world.

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

    The new era of information and misinformation Jul 05, 2022

    Unfettered data collection coupled with powerful emerging technologies have given rise to a new digital era. With so much data at our fingertips, how do we separate information from misinformation and propaganda, and parse facts from fiction? Just because something is trending, it doesn’t mean it’s real. In this episode of One Vision, we chat with Alaric Aloor, CEO and Co-Founder of Archonsec, and advisor for MATR Ventures, about the benefits and perils of technology. In a world of fractured conversations, sound argument is becoming a lost art and insanity can be contagious. Unless collectively, we are willing to learn and do what is right to solve the hard problem — with intention — together. But will we?

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

    Let the good times roll — at Finovate Jun 28, 2022

    Can you believe that Finovate turns 15 this year? The Disneyland of Fintech, as Bradley would call it, has played a pivotal role in moving the fintech ecosystem forward and bringing us together from all corners of the world. In this episode of One Vision, we chat with Greg Palmer and David Penn on what goes on behind the scenes and share some of our most memorable moments. One of the best things about Finovate is, and has always been, about the community. Times might change and tech might evolve; but some things always stay the same: The best times are spent together with our friends at Finovate.

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

    Crypto, capitalism, and the moral compass: Is the party over? Jun 21, 2022

    Is cryptocurrency a gamble or an investment? Can it truly be an enabler of financial inclusion? Recently, Charlie Scharf, CEO of Wells Fargo, remarked that "crypto can be worth something as long as someone believes it's worth something." From cryptocurrencies to stablecoins to Central Bank Digital Currencies (CBDC), what is the next version of capital markets and what does the future hold? In this episode of One Vision, Theo and Arun chat with Richard Turrin about the aftermath of the Terra Luna crash, the ripple effect for decentralized finance, regulatory differences between regions, and potential path forward.

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

    Breaking free — the coming of age of fintech Jun 13, 2022

    Is fintech transitioning from teenager to adulthood? If so, how do we learn and grow together as a force for good? Are we making the right choices? And how can we help shape the future of this industry, from what we do, to who we include at the table, and how we get there? In this episode of One Vision, Theo chats with Raf De Kimpe about the upcoming Fintech Week London (July 11-12). With a full suite of partners including the Department for International Trade, London & Partners, and the City of London, along with conference topics ranging from open finance, identity, big banks and big tech, to crypto, sustainability, and fintech for good, there will be no lack of thought-provoking conversations. It’s time to celebrate the human connections, make memories, and be part of something truly special.

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

    A glimpse into the NFT world Jun 07, 2022

    It’s been said that the metaverse could be the next trillion-dollar opportunity. From retail and fashion, to gaming, sports, and even financial services, brands are actively trying to figure out how to engage with a new audience and capitalize on the excitement. But what is it like to be fully immersed as a creator? In this episode of One Vision, Theo and Arun chat with Jyothee Murali (@jyxdi), a talented painter and NFT artist, on her journey, the virtual community, and what the future holds for the fast-evolving space.

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

    An inconvenient truth about ESG May 31, 2022

    According to a recent survey by the CFA Institute, 85% of investment managers across countries are increasingly incorporating ESG (Environmental, Social, and Governance) criteria into investment decisions. While opportunities abound in this fast-growing sector, what gets measured and how it’s measured can quickly grow in complexity. And are we focusing too much on what investors care about, and missing the broader picture of the impact on our planet and its people? In this episode of One Vision, Theo chats with Alexandria Fisher, Sustainable Finance Manager of Global Risk Institute on social responsibility, ESG data, and regulations. While perfection may not exist, we need to start somewhere.

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

    If you don’t stand for something, you will fall May 24, 2022

    How can we bring tech and finance together to create a better world, one that would be around for the next century and centuries thereafter? Our most vulnerable populations are increasingly facing impossible choices with rising inequalities and worsening impact of climate change. There is no time to waste: We must make sure that our actions can help to create opportunities for those who don’t have a seat at the table; and we must do so ethically, responsibly, and with haste.

    Stand for something or you will fail. In this episode of One Vision, Theo and Bradley chat with Chris Skinner about his latest book, Digital Good, and how values will become a key differentiator in banking.


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

    The quest of a financial literacy advocate: The journey continues May 17, 2022

    If you give a kid one $100 bill, what would they do with it? How do you teach a kid the discipline of saving especially when it is so easy to spend and consume? And where (and whom) can they turn to, to even learn the basics of money management and investing? In this episode of One Vision, Theo and Stephanie Foster chat with Mac Gardner, Founder & CEO of FinLit Tech, two-time author of The Four Money Bears and Motivate Your Money, on his quest to promote financial literacy and financial wellness.

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

    Data plays a huge role in our daily activities. But does technology truly make our lives better? May 10, 2022

    It is often said, digital technologies are driving transformative change in our society. But at what cost? As consumers, do we truly understand how information is being collected and used, and the associated risks and implications? Can we truly trust companies enough to just ‘click and ignore’? In this episode of One Vision, Theo and Barb Maclean chat with Hessie Jones, Venture Partner at MATR Ventures on venture capital model, community building, and tech ethics. From data rights to privacy and security, there is still a lot of work to be done. Hessie’s advice: Ethics needs to become a standard. And remember, just because you can — doesn’t mean you should.

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

    Yesterday once more and the La La Land of FinTech May 03, 2022

    If you have seven minutes to showcase a fintech idea, what would you say? In a world full of unicorns, or even decacorns, the next best thing might just be at your fingertip, waiting to be discovered. In this episode of One Vision, Theo and Mary Wisniewski chat with Jim Bruene, the Godfather of FinTech and Founder of Finovate, reminiscing the good old days of what once was, and looking at what has yet to come. There is still a lot of momentum and tons of good that can be done — if we look hard enough. Speaking of, what is your favorite Finovate moment?

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

    Reimagining the Internet with Web3 Apr 26, 2022

    Remember the song by Pattie Page, “How much is that doggie in the window?” If the virtual worlds continue to proliferate, are we going to ask, “How much is that doggie in the metaverse?” In this episode of One Vision, Theo and Arun chat about the evolution from Web2 to Web3, the promise of decentralized tech in a creator-led world, and the challenges that we still need to overcome. In a world powered by cryptocurrency assets and NFTs, what roles do incumbent financial institutions and traditional brands play? Is the promise of decentralized power too good to be true?



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

    Power of possibility: Investing in the future of work Apr 19, 2022

    Much has been written about the Great Resignation where people have left their jobs in search of more meaningful work and personal fulfillment. We are at a critical juncture in history; how we work, where we work, and when we work, are all being redefined. What might work look like when the dust is settled and how can we help to reshape the culture? In this episode of One Vision, Theo, along with Danielle Guzman, chat with Diana Wu David, Future of Work strategist and author of Future Proof, on finding purpose and our place in the future. As Oprah Winfrey once said: “The key to realizing a dream is to focus not on success but significance — and then even the small steps and little victories along your path will take on greater meaning.” It’s time to seize the opportunity to reboot and commit to creating a better future, together.

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

    Walking the talk and driving authentic inclusion Apr 12, 2022

    One step forward, two steps back. Despite increasing awareness and promises from corporations, metrics such as the gender pay gap and funding for female founders have barely budged. How then, can we truly move the needle for workplace gender equality in financial services and beyond? In this episode of One Vision, Theo chats with Nadia Edwards-Dashti, co-founder of the Harrington Starr Group, on her new book, FinTech Women Walk the Talk. As Nadia pointed out, FinTech, as an industry, has always been about driving changes. Together, we can ignite the passion of our allies, and build an ecosystem that is fully representative of the diversity of the society whom we serve.

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

    Building trustworthy AI: What, why, and how Apr 05, 2022

    Artificial intelligence is embedded in almost every aspect of our lives, from financial services to healthcare, retail, and beyond, and will play an increasingly important role in everything we do and what we create. But we have merely scratched the surface of what the technology can deliver; ample opportunities exist for us to build solutions that can work together with humans and help us make better decisions, especially for high-stake use cases where human emotions play an important role. In this episode of One Vision, Theo chats with Francesca Rossi, IBM fellow and IBM AI Ethics Global Leader, on the foundational properties for AI ethics and putting the principles into action. https://ibm.co/3DB8F4w

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

    Betting on people: Bridging the gap between fintech and innovation Mar 29, 2022

    A significant amount of money has been invested in FinTech in the past decade; according to CFTE, the FinTech sector is now equivalent to 38% of the banking sector in terms of market capitalization. If FinTech was considered a city, it would rank 3rd as an employer in financial services, after New York and London. In a world where we are playing buzzword bingo on a seemingly daily basis, how do we stay on top of the real innovation trends in this fast developing world? And how can we facilitate pathways to these new opportunities and make sure that no one is left behind? As the saying goes, talent is equally distributed; opportunities are not. In this episode of One Vision, Theo chats with Tram Anh Nguyen, co-founder of CFTE, whose mission is to leverage the power of education to create a more inclusive and welcoming new world of financial services. That’s certainly a purpose we can all get behind.

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

    Communities that thrive — with meaning, value, and purpose Mar 22, 2022

    How can we create an environment where innovation thrives? In a world where we are constantly distracted by dazzling new technology, it is easy to get caught up with cool toys and forget what we are trying to do. In this episode of One Vision, Theo chats with Dave Cunningham, Chief Commercial Officer at LexTego on lessons learned around bringing innovators, creators, entrepreneurs, and leaders together, and what it takes to build sustainable communities. You might even learn an Irish word (or two) while following along Dave’s yoga journey. Who says fintech isn’t fun?

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

    The motivational journey to the edge and beyond Mar 15, 2022

    As the saying goes, “Ain’t No Mountain High Enough” — have you ever wondered what stops people in their tracks, and how we can overcome obstacles in our lives? As it turns out, you can use the power of the mind to rewire your brain and achieve the extraordinary.

    In this episode of One Vision, Theo chats with Frederique Murphy, author of “Lead Beyond the Edge: The bold path to extraordinary results” about her book and her personal transformation journey. As Frederique noted, an engaged brain learns better, retains better, and performs better. We hope you too can be inspired to step out of your comfort zone and take the leap to the edge and beyond.


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

    Not a pipeline problem; we have a listening problem Mar 08, 2022

    How well are women and communities of color being represented in financial services? And how many brilliant ideas don’t get the opportunities they deserve because we are not listening to all the voices? Many people assume that we have a pipeline problem, that there are no women or prominent female leaders in financial services. But that cannot be further from the truth. We don’t have a pipeline problem; rather, we have a listening problem. In this episode of One Vision, Theo chats with Sonya Dreizler and Liv Gagnon, founders of Choir, who are on a mission to change whom the finance industry listens to. You can’t be what you can’t see. Together, we can help change the status quo, one conference at a time.

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

    Come for the content; stay for the community Mar 01, 2022

    What makes a community? And what comes to mind when you see the word, community? A common bond, perhaps — around our mutual love for technology, and a conviction to bring inclusive finance to more in our society. Or perhaps a love of music, craft beer, and human connection.

    In this episode of One Vision, Theo chats with Lisa Moyle, Chief Strategy Officer and Co-founder VC Innovations / Fintech Talents on the fintech community, and the trends we expect to see in what’s shaping up to be a very busy 2022 in the financial services industry and beyond. There is never a dull moment in the land of fintech.


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

    Can incentivized savings be the new future for fintech? Feb 22, 2022

    There is no lack of Buy Now, Pay Later news in fintech, with hundreds of BNPL startups around the world vying for a piece of the pie. The trend has also attracted the attention of established giants, from Citi, J.P. Morgan Chase, and American Express, to Apple, PayPal, and Amazon, all competing for customers who want the ability to spread payments over time. Even the B2B space is catching on, with ACI Worldwide launching a new product for merchants to enable them to offer customers payment options with more than 70 BNPL lenders. While paying in installment isn’t new, the rapid rise in popularity of BNPL and easy access to credit has sparked concerns that it will encourage excessive consumerism and debt. In this episode of One Vision, Theo chats with Michael Hershfield, founder and CEO of Accrue Savings, on balancing consumption and savings, and seeing the world with a human lens.

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

    Voice of the unheard: FinTech and second chances Feb 15, 2022

    From opening a bank account and rebuilding credit, to finding employment and securing housing, the challenges that millions of justice-involved individuals and their families face are immense. How then do you design for a community of 20 million people who are trying to get back on their feet? If not now, then when? In this episode of One Vision, Theo chat with Yassi Hadjibashi and Keith Armstrong, founders of Stretch, a fintech company dedicated to empowering communities impacted by incarceration to become financially strong. There is hope for impact for community players, if we are intentional.

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

    The future of banking is in the cloud Feb 08, 2022

    What role do cloud solutions play within today’s financial services industry? How has the infrastructure and partnership ecosystem evolved to support the needs of the global market? In order to compete in today’s fast changing world, how can fintechs of all sizes best embrace and accelerate innovation? In this episode of One Vision, Theo and Bradley chat with Briana Frank and Chris Rosen from IBM about the market trends from the future of work to cybersecurity and data compliance, and how banks and fintechs can adapt to these changing dynamics in order build faster, more securely, and anywhere — across clouds and on-premises.

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

    The innovation mindset: It’s not just about the tech Feb 01, 2022

    When we talk about innovation, oftentimes we think about those in technology. But innovation goes beyond artificial intelligence, robotics, and quantum computing. Beyond the bits and bytes, it is also about changing mindsets and thinking critically and differently. It is about being comfortable with the uncomfortable. It is about allowing ourselves the time and opportunity to learn to be clumsy and to embrace failure as part of our journey. In this episode of One Vision, Theo chats with Jennifer Sertl, Founder and President of Agility3R and Adjunct Professor at RIT, on innovation and the importance of cross-pollination. Perhaps it’s time to slow down and imagine a little.

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

    Through the lens of the matchmaker of B2B influencer marketing: Everyone is influential! Jan 25, 2022

    By now, you have probably heard of influencer marketing. But what exactly does that entail in the B2B context? And what are the success factors and pitfalls that brands need to be aware of? In this episode of One Vision, Theo and Bradley chat with Tim Williams, CEO of Onalytica, on how different organizations are engaging with influential experts and employee advocates from content creation and social engagement to events and sales conversion. In a world where social media is part of our daily lives and everyone is influential, how do we best leverage the tools that we have to create the maximum impact?

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

    Adapt, Evolve, Transform: Banking and finance re-invented Jan 18, 2022

    In this episode of One Vision, Theo and Bradley chat with Alessandro Hatami, Managing Partner of Pacemakers, and co-author of Reinventing Banking, on bank innovation and the past, present, and future of financial services. In a world where everything is connected and innovation is everywhere, it is time to rethink the role we play in society. The most promising transformational model for the bank of the future will be one that is based on trust and value. And to quote Alessandro: “The future is here and the future will be better than the past.” The question is, are you ready?

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

    The trust advantage: Unlocking the hidden value in banking with platform economies Jan 11, 2022

    Digitization doesn’t mean putting old wine into new bottles. Beyond simply digitizing products and reducing friction, to succeed in the outcome economies, fintechs must learn to build trust through transparency and engagement, and unlock hidden value in banking. In this episode of One Vision, Theo chats with Paolo Sironi about his new book, Banks and FinTech on Platform Economies, lessons learned from fintech innovation, and the future of banks and fintechs in the fast changing digital world.

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

    At the tip of the iceberg with financial technology Jan 04, 2022

    If 2020 was the “New Normal”, what was 2021? What have we learned from the uncertainty and challenges from all aspects of our lives, and how will the financial services industry fare in this new year? Will we finally move out of the pilot villas and make banking better, not just for businesses and consumers, but for the bankers themselves? In this episode of One Vision, Theo and Bradley chat with Virginie O’Shea, the Founder and CEO of Firebrand Research, on finreg, ESG, digital transformation, the great resignation, and her predictions for 2022.

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

    Adieu 2021. Hello 2022. Dec 21, 2021

    As we bid farewell to 2021, how would you remember the year that was the “new normal” or the “great resignation”? For some, this may have been a record year with funding and innovation. For some others, this may be a year for reflection and recalibration. Or perhaps changes and uncertainty are simply part of the new reality we are in. Regardless of where you are geographically and what role you play, one thing is for certain: There is no better time than now to be part of fintech, to flex your creative muscles and find new ways to serve more of our society, to put your heart and soul into an industry that never sleeps. In this episode of One Vision, Arun, Bradley, and Theo reunited to chat about the year that was 2021, and what we think the future would hold for our ecosystem and beyond.

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

    Ushering in a new future of buy now, pay later Dec 14, 2021

    This episode is sponsored by PayPal. Learn more about PayPal Pay Later at paypal.com/trust.


    Consumer behavior has changed quite dramatically since the pandemic, with increased adoption of digital wallets, touch-free payments, and ecommerce solutions. The platform economy, along with innovation that seeks to enhance customer experience across mobile, digital, and physical channels, has created a new era of payments that is more inclusive and customer-centric. In this episode of One Vision, Theo and Bradley chat with Greg Lisiewski, VP and GM, Global Pay Later Products at PayPal, on the past, present, and future of payments, and how PayPal is leading the way ushering in the new future of buy now, pay later, with one of the most trusted brands in globally.


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

    Re-shaping the future of finance with open banking, Canadian edition Dec 07, 2021

    Canada fintech funding soars to a record $2.2B in 2021 YTD, according to CB Insights. With 90 percent of the market being dominated by six big banks, however, one would imagine the dynamics between incumbents and fintechs would play out a bit differently than what we may find in other markets. In this new episode of One Vision, Theo and Bradley chat with Sue Britton, Co-CEO of FGS, on the open banking agenda, financial inclusion, and the future of the Canadian fintech ecosystem.

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

    Climate Finance: If not now, then when? Nov 30, 2021

    How do we move beyond the low hanging fruit and create something that brings about real change? How can we entice more incumbents to join the chorus of younger fintechs and insurtechs to tackle climate change, a challenge that extends beyond borders and across generations? In this episode of One Vision, Theo and Arun chat with the masterminds of WhiteSight, Afshan Dadan and Sanjeev Kumar, on green fintech, the climate-conscious consumers, and trends to look forward to in 2022. If you enjoy the insightful reports from the WhiteSight team, this is definitely an episode you don’t want to miss.

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

    The double-edged sword of big fintechs Nov 23, 2021

    In a world where billionaires are planning space travel while millions are struggling with extreme poverty; in a society where it would take 268 years to close the Economic Participation and Opportunity Gap and women in 72 countries are not allowed to get a bank account, how can we improve the well-being of those who have been left behind? In this episode of One Vision, Theo and Bradley spoke with Sofie Blakstad, two-time author of "Why Change" and "Fintech Revolution: Universal Inclusion in the New Financial Ecosystem", and Founder and CEO of hiveonline, on building sustainable digital finance for the next billion.

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

    In a field of data daisies: Data as a means, not an end Nov 16, 2021

    Can an industry as old as banking adapt to a tsunami of disruption? From open banking to open finance, how do we ensure a better outcome for the end users we are supposed to serve? Whose data is it and how do we protect consumer rights while fostering innovation? In this episode of One Vision, Theo and Bradley chat with Dr. Louise Beaumont on the regulatory environment, open data, and positive disruption to drive systemic change.

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

    A Utopian or Dystopian future? The choice is ours Nov 09, 2021

    The twenty-first century is going to be the most disruptive, contentious period humanity has ever lived through. It will challenge our most sacred ideologies around politics, economics and social constructs. It will force humanity to adapt in ways we can't yet imagine. We are now living in a different world than a century ago, where algorithms and robots can take people’s jobs, where unemployment increases and social unrest is fueled by divisive social networks and a lack of economic opportunity, and where the impact of climate change is undeniable. In this episode of One Vision, Theo and Bradley speak with our good friend, Brett King, author of a new book, The Rise of Technosocialism: How Inequality, AI and Climate Will Usher in a New World. We discuss the context of what is happening in society, the technology behind these changes, and where we are headed next.

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

    Can the journey to the American Dream be truly debt free? Nov 02, 2021

    The financial services ecosystem has been inundated with a tremendous amount of external capital aimed at disrupting the way people and businesses bank. From the most basic to the most complex, financial relationships are held together by the tenets of savings, investments, monetary exchanges, protection, and use of the credit and debt. When any of these areas are neglected, these relationships can become one-sided, even predatory. What would our world be like, if banks and fintechs could change their business model to align with customer's financial objectives ? What if there was more focus on reducing debt and truly building real wealth over time? In this week’s episode of One Vision, Theo and Bradley chat with Sunjay Pandey, founder of Woven Money, about their goals of helping consumers achieve long term financial security.

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

    The complex web of our global supply chain Oct 26, 2021

    Have you been thinking about the global supply chain a bit more lately? Perhaps back in the beginning of the pandemic, when you couldn’t find toilet paper, or maybe now when you are just starting your holiday shopping and realize you might already be a bit too late. But do we think enough about what we buy, why we buy, where we buy from, and whether we are buying too much? In this week’s episode of One Vision, Theo and Bradley chat with Christopher Mims about his new book, “Arriving Today: From Factory to Front Door –– Why Everything Has Changed About How and What We Buy”, and the fascinating story of the complex web of our global supply chain and why it matters more than ever.

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

    Navigating the present and preparing for tomorrow – with intelligent data Oct 19, 2021

    Financial institutions are sitting on top of a lot of data, and so much of that goes unused, whether it is because the data is sitting in disparate systems that do not play well together, or because of the lack of expertise or resources to truly benefit from the power of it.

    In this episode of One Vision, Theo and Bradley play host to three thought leaders from Curinos –– Sarah Welch, Suraya Randawa, and Rutger van Faassen –– to talk about how financial institutions can harness the power of intelligent data to build digital relationships at scale, and create new competitive advantage for the digital future.


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

    When music and fintech collide Oct 12, 2021

    Could you imagine life without music? Plato said that ‘music gives a soul to the universe’. And there does seem to be a soundtrack to each change of cadence in our lives, as ‘music is the wine that fills the cup of silence’ according to Robert Fripp. There is also a melody to the way money flows through our daily lives as well. So how well do we take care of the artists that conjure up this magic, across so many genres and generations? This week Theodora and Bradley listen in to the timbre and tempo of John Waupsh, Co-Founder of Nerve, a new type of bank dedicated to the music makers creating the harmony and rhythm of our lives.

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

    Real-Time Payments: The new wave of payments innovation is here Oct 05, 2021

    We have seen a tectonic shift across industries and business models during the pandemic. How businesses adapted to the changes on the ground was a stress test in real time. As customer behavior changed, payments changed along with them, seeing a rapid rise in contactless at point of sale and new ways to pay for all types of services via mobile and online checkouts. In looking to demystify how payments -- especially real time payments -- have changed, this week Theo and Bradley speak with Ginny Chappell, Senior Vice President, Fintech Leader, Digital Payments and Banking at FIS, about how their RealNet real time payment network will connect and empower a new wave of payment experiences.

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

    The community impact of our economic first responders Sep 28, 2021

    How can the financial services ecosystem play a bigger role in creating a more equitable future? Community Development Financial Institutions (CDFIs) are economic first responders that help remove barriers to economic equity and help improve the lives of people in our most underserved communities. Tune in to this episode of One Vision as Theo and Bradley speak with Catherine Berman, CEO and Co-Founder of CNote, about levelling the playing field during a pandemic, how their Wisdom Fund provides access to capital and lending for women-owned businesses, and how their Promise Account helps insured financial institutions with deposits targeting both competitive returns and positive social impact.

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

    With data, comes power. But what about responsibility? Sep 21, 2021

    Those who have the data hold the power. But who owns the data? And how could we better leverage the benefits of financial data and technology to ensure that financial services are delivered in a fair, ethical, compliant, and more evenly competitive landscape? It will require more of the financial ecosystem to embrace open banking standards and put the needs of consumers front and center. Tune in to this episode of One Vision as Theo and Bradley speak with Ghela Boskovich, Regional Director and Head of Europe at Financial Data and Technology Association, about unlocking the value around financial data and where new data standards are headed.

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

    It’s the fintech groundhog day Sep 14, 2021

    Have we truly fulfilled the promise of fintech? How do you look beyond what is easy and serve communities who have long been ignored by traditional financial services, such as migrants? What is best for the greater good? How do we create change at scale?

    Perhaps the only way to unbake systemic racism within financial services is to change the ingredients and those that are preparing the meal, as well as for whom we are preparing the meal. Everyone deserves a seat at the table.

    In this week’s One Vision, Theo and Bradley welcome Nina Mohanty back on the show to talk about her new brainchild, Bloom Money, an app that is “built by migrants, for migrants”.


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

    Welcome to the age of embedded finance, where the financial services battlefield has moved from branches to point-of-sale Sep 07, 2021

    Can we make embedding finance into apps and customer journeys as simple as drag and drop? While no one would go to Ikea for the sole purpose of opening a bank account, they might need payment installment services during checkout. The new breed of technology platform players (BaaS) has made offering such services much more cost effective and less complex for big brands and retailers. Welcome to the new world where nearly every aspect of traditional banking can simply be an invisible feature of another industry’s customer experience. In this episode of One Vision, Theo and Bradley chat with Shaul David, Head of Banking, Growth at Railsbank on the future of financial services, the role of technology, and the era of embedded finance.

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

    It’s a good time for a restart Aug 31, 2021

    The old adage says to make hay when the Sun shines, but what do you do when the skies are grey? With this ongoing pandemic and the spectre of uncertainty surrounding it, being a startup founder has never been more challenging. How can startups look at these moments of uncertainty as moments of opportunity? In this episode of One Vision, Theo and Bradley chat with Arun Krishnakumar about his new book, Restartup, co-written with Maxson Tee, where they address how moments of crisis can be a time that startups can truly thrive. Arun walks us through their collection of case studies, in-depth interviews of VCs, CEOs, and academics, and their framework that startups can use to survive any storm.

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

    Connecting wealth, health, and everything in between Aug 24, 2021

    When it comes to planning for your finances, who do you turn to? Friends? Family? Colleagues? Or the Internet? With global fintech investment reaching US$98 billion across 2,456 deals in the first half of 2021 alone, one would have thought that planning for longevity wouldn’t be such a shot in the dark. In this episode of One Vision, Theo and Bradley chat with Rhian Horgan, Founder and CEO of Silvur, about the state of retirement planning today and her journey towards helping baby boomers navigate retirement.

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

    The fintech party is just getting started Aug 17, 2021

    While the promise of flying cars might not have materialized, plenty has transpired in the startup space, at least in fintech. From investing to payments and super apps, from Asia to Latam and Africa, startups have raised record-level of funds. While it might seem consumers have a myriad of choices (just take a look at your smartphone), do we truly have the right solutions to the day-to-day challenges we face? In this episode of One Vision, Theo and Bradley chat with Ben Soppitt, co-founder and CEO of Unifimoney, on entrepreneurship, culture, and the art of automating wealth management.

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

    Mental health is a privilege Aug 10, 2021

    Entrepreneurship is a stressful journey - and often, a lonely one; and oftentimes it might seem nearly impossible to balance the demands of the business and your own well-being. As an industry, we put a lot of emphasis on grit and celebrate sky high valuations and hockey stick growth, without pausing to think about the toll on the entrepreneurs. While the financial impact of startups in worldwide economies is widely reported, few focus on the impact on entrepreneurs’ mental health, an often taboo topic in our society and in boardrooms. In this episode of One Vision, Theo and Bradley chat with Kent Vorland, CEO of SimplyPayMe, on payments, financial inclusion, the great divide between cultures, and the need to take care of the humans.

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

    One size doesn’t fit all — even in the days of digital banking Aug 03, 2021

    When was the last time you actually spoke with a customer and asked how you could help them? No — we don't mean a survey or through a video chat, but actually meeting and talking to one of your customers. Even in the days of digital banking, there is always going to be a need for physical space and human interaction. We might still need a branch or two. Or even physical money. In this episode of One Vision, Theo and Bradley chat with Jim Perry, Senior Strategist at Market Insights Inc., on why bankers need to get outside their bubble a bit more. Road trip anyone?

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

    Never a dull moment in fintech Jul 27, 2021

    From payments and embedded finance to wealthtech and crypto, there is never a dull moment in the land of fintech. And there is no sign that the activity is waning. According to CB Insights, Q2 FinTech startups picked up $30.8B, growing 30% quarter-to-quarter. Year-to-date funding exceeded 2020’s total by 24%. Southeast Asia and Latin America, in particular, have seen great momentum in recent months.

    In this episode of One Vision, Theo and Bradley chat with Jason Mikula on the wild wild west of fintech, what it feels like to live in the Netherlands, and the latest with his brilliant Fintech Business Weekly substack newsletter.


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

    Innovation is value neutral; it’s our collective responsibility to build technology that works for all Jul 20, 2021

    As the saying goes, “I have not failed 1,000 times, I have successfully found 1,000 ways that will not make a light bulb.” This — or some version of it — is often credited to Thomas Edison, on his quest to come up with an efficient incandescent lamp.


    As we look back at past innovations, and marvel at the ingenuity and perseverance of scientists and entrepreneurs, what inspires you? And how do our lived experiences influence the paths that we choose to follow and what values we hold dear?


    In this episode of One Vision, Theo and Bradley chat with Emeka Nwonu about his past, present, and future — from Nigeria, UK, and beyond


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

    The future is agile: the time to take responsibility for our future is NOW. Jul 13, 2021

    Let’s talk about debt. Not financial debt. Not technical debt. But human debt — “the equivalent to Technical Debt but for people”, according to Duena Blomstrom, author of the latest book, “People Before Tech: The Importance of Psychological Safety and Teamwork in the Digital Age”. As the saying goes, people are your greatest asset. For any digital transformation projects to succeed, beyond the tech stack, merely having smart people on the team isn’t sufficient; we also need to take care of them. They need to feel motivated, valued, and respected. In this episode of One Vision, Theo and Bradley chat with Duena about her latest book and the importance of doing the people work.

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

    FinTech in Bermuda - RumCoin? Jul 06, 2021

    Apart from its dramatic coastline, hidden coves, turquoise waters, and beautiful beaches with pink sands, Bermuda is also a well-established offshore financial center, home to the second largest reinsurance market. The island nation has also created an infrastructure and ecosystem to foster innovation in blockchain technology, supported by a tiered regulatory approach that includes the Digital Asset Business Act and a regulatory sandbox.

    In this episode of One Vision, Theo and Bradley chat with Chris Garrod, Director, Insurance and Technology at Conyers Dill & Pearman, on the wild wild west of crypto and beyond. While there is no CBDC planned for Bermuda, Chris told us that we might be able to buy rum with digital Bermuda dollars soon. Do we need more reason for a fintech meetup on the beach


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

    Serving the underserved community of immigrants — with Cheese Jun 29, 2021

    While banking should be a borderless experience, in reality, it is far from it. Immigrant communities for example, face a list of challenges from language barriers to lack of credit history and high cost of remittance. In 2018 alone, US immigrants spent over US$1 trillion, with international students contributing $42 billion to that sum. The market is ripe for change.


    In this episode of #OneVision, Theo and Bradley chat with Ken Lian, Co-founder & CEO of Cheese Financial, the first banking solution designed for immigrants in the U.S. that does not require a social security number or credit history. Cheese also features a social component, with cash back that empowers consumers to support Asian owned businesses and restaurants.


    In the age of deep social divide, we were inspired by Ken’s passion and drive to make a positive impact. And we hope you will too.


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

    Data is the first line of defense Jun 22, 2021

    Years from now, when we look back at this pandemic, what data will have been the most critical? While we normally talk about data in the context of financial services, and the importance of data and technologies like artificial intelligence to assist our ability to deliver a more inclusive future, the data we will remember from this moment of time is health data related to Corona-19 and the lives impacted by each number this data represents.



    In this episode of our #OneVision podcast, Theodora and Bradley talk to Susan Joseph, CEO and Co-Founder of HealthTrends.AI. With an experienced background across financial services and the law, with efforts focused around financial data, identity, artificial intelligence, and blockchain technologies, Susan helps us navigate through the past year from the story of the data behind this virus. You’ll learn why open source and public data were the real heroes in battling this disease, and what we should all look at as the lessons and opportunities for future health of humanity.


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

    Creating a better world through the power of technology Jun 15, 2021

    According to a recent survey, nearly two-thirds of full-time employees indicated that their financial stress has increased since the start of the pandemic. To engage and retain productive employees, companies must help foster a culture of financial wellness and support to help their workforce better manage their finances and plan for the future. Providing access to financial wellness benefits can become a key differentiator when the labor market is tight; it can also positively impact the organization’s bottom line by relieving employee financial stress.

    In this episode of One Vision, Theo and Bradley chat with Rebecca Liebman, co-founder and CEO of LearnLux on her entrepreneurship journey, and creating a better world through the power of technology.


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

    Financial regulation and innovation and the spaces in between Jun 08, 2021

    Whether it’s the Queen’s bank in the U.K., a neobank in Brazil, a challenger fintech in the U.S., or one of the mighty superapp platforms of Asia, there is nothing more central to that conversation than compliance, risk, and regulation. This is especially true as it relates to data, privacy, and the evolution of the financial services business model. Yet this trifecta of controls are often overlooked.


    In this episode of our #OneVision podcast, Theodora and Bradley talk to Victoria Martin, Head of Client Risk and Compliance at 10x Future Technologies. With leading roles in risk, compliance, and regulatory matters, and time spent at 11FS, ClearBank, Octopus, Tandem Money, and RBS among them, our conversation covered a lot of ground. Join us as we learn more about the differences in how startups and banks approach compliance, how open banking standards differ across geographies, and where Victoria thinks we are heading next when it comes to regulation.


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

    Cashless China and the digital currency revolution Jun 01, 2021

    What does the future hold for a cashless economy? The day when all of us might have digital wallets with a selection of digital currencies might not be too far out to the future, according to Richard Turrin, author of new book “Cashless”, and an expert on China’s fintech developments and the digital currency revolution.

    In this episode of One Vision, Theo and Bradley chat with Richard about the current CDBC landscape across different regions around the world, the superapp ecosystem, and the role of big tech in the innovation economy.


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

    Shared prosperity: Building a better future — together May 25, 2021

    Beyond developing renewable energy, how do we react to the social and economic challenges faced by humanity? Are we meeting the needs of the present without compromising the future — and the ability of subsequent generations to meet their own needs? What role does technology play and what are our collective responsibilities in promoting a broader spectrum of digital inclusion?


    In this episode of One Vision, Theo and Bradley chat with Chenni Xu, Corporate Communications, Head of Americas, Ant Group, about the latest Sustainability Report released by Ant Group, and how technology can be used for good.


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

    The windy road to digital identity May 18, 2021

    Over 1 billion people in the world today cannot prove their identity, and the challenge is not limited to the developing world. In the U.K. alone, 15% of the population do not have a passport or driver’s license. In contrast, Estonia, with a population of 1.3 million, leads the world with its national ID card system, where every citizen has an electronic identity and where all the records are tied together.


    While COVID-19 has strengthened the case for a digital identity, the road is not without perils. In this episode of One Vision, Theo and Bradley chat with Emma Lindley, digital identity expert and Co-Founder of Women in Identity, on the UK Digital Identity Framework, and what it will take to get to true inclusion.


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

    Innovation at warp speed May 11, 2021

    In the age of accelerated digital and tech spending, how do we choose our innovation and investment priorities — at the same time, keeping up with competitive pressure and changing customer needs? Looking back in the year that was — knowing what we know now, what would we have done differently? How do we best meet our customers where they are?

    In this episode of One Vision, Theo and Bradley chat with Kelly Wagner, Director of Innovation and Member Experience at the Credit Union of Colorado, about experimentation, curiosity, and creating new memorable experiences.


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

    What would have happened if Ada Lovelace was funded? May 04, 2021

    In 2020, U.S. VC firms deployed a vast amount of capital, but not only did the portion of funds to female founders drop, so did the funding to female-led startups. As the impact of the COVID-19 continues to be felt, closing the global gender gap has also increased by a generation from 99.5 years to 135.6 years, according to the World Economic Forum.


    In this episode of One Vision, Theo and Bradley chat with Tracy Chadwell, Founding Partner of 1843 Capital, an early stage venture capital firm, on funding, diversity, and longevity tech.


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

    Parenting, caregiving, and adapting to the new normal Apr 27, 2021

    When the COVID-19 pandemic first arrived, it was a shock to all of us as something of this scale was simply without precedent. The world we knew stopped in its tracks.


    When we finally get over the initial shock, those who are parents and caregivers are faced with the next set of questions. How can we best protect our loved ones with the new normal? What is the new work life balance, if there is even one?

    Join us in this episode of One Vision, where Theo and Bradley chat with Carleen Haylett, CEO of Sit-A-Bit, to learn more about how they are providing more childcare options for working parents and caregivers, and how the future of education may have been right in front of us all along.


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

    Sustainability is not a spectator sport; we all have a role to play Apr 20, 2021

    Extreme weather conditions are occurring more often all around the world, from wildfires in the U.S. and Australia to severe flooding in parts of Africa and Asia. As a society, we are facing a global crisis: Over 1.2 billion people could be displaced from their homes by 2050 due to the effects of climate change.

    Urgent action is needed to combat the immense challenges we face. Recent pledges by big banks including Citi, J.P.Morgan, and Bank of America to support sustainable finance and help accelerate transition to low-carbon economy is a great start.

    In this episode of One Vision, Theo and Bradley chat with Matthew Sekol, US Market Executive, Capital Markets, of Microsoft, on the key topics of our century, from ESG to the digital divide and the ethics around artificial intelligence.

    There is hope, but only if we act together — now.

    As we observe Earth Day, we have no other choice. We don’t have a second chance.


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

    Automating the money movement and why it matters Apr 13, 2021

    While few would disagree that financial inclusion is an inequality in our modern day society that still needs to be resolved, and that improving economic prosperity of everyday people is an attainable goal that we should all aspire to - we might not always agree on the path to get there. If we have learned anything from the fintech boom, it’s that having access by itself isn’t enough. Perhaps part of the puzzle piece lies with the movement of money, and how we can best leverage technology to automate our decision making.

    In this episode of One Vision, Theo and Bradley chat with Chris Hutchins, Head of Autonomous Financial Planning at Wealthfront, on self-driving money, and what’s next for democratization of financial services.


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

    Turning conversations into actions from diversity to customer centricity Apr 06, 2021

    Can we turn conversations into actions? Can we put consumers in the heart of everything we design in this new digital era? With 1 billion people still lacking access to technology, how can we be more thoughtful in creating alternative solutions to achieve equal outcomes for those on the other side of the digital divide? While we might feel every day is like Groundhog day, as our guest reminds us, there is light at the end of the tunnel. Join us in this episode of One Vision, where Theo and Bradley chat with Dr Louise Maynard-Atem on data, privacy, and inclusion.

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

    The principle lessons of Beyond Good Mar 30, 2021

    The global pandemic may be a wake up call to a new age, one where the value of our work and the leadership we can provide is reflected back to the improvement to the community to which we belong. One way we can succeed in building a very different future — one much more equitable — is to appreciate how interdependent we really are, how everything in our life is a series of connected systems, both big and small. And that it is within our grasp to bend their functions toward a better way. Join us this week as Theo and Bradley talk about the global launch of their new book, Beyond Good.

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

    Will banking (finally) be transformed? Mar 23, 2021

    What does the future of retail banking hold? Beyond the endless debates on cash and branches, what are some of the things that we would actually look forward to in the near future? Will AI finally transform one of the oldest and most important industries of modern civilization? In this episode of One Vision, Theo and Bradley caught up with an old friend Elias Ghanem, Global Head of Market Intelligence, Financial Services at Capgemini to talk about the future of financial services. Until we meet again in Amsterdam..

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

    How do we build a bank that actually resonates? Let us be brilliant Mar 16, 2021

    How do you build something that delights customers? Conventional wisdom would say that we need to talk to the customers and better understand their needs. But let’s be honest. Beyond the endless surveys, when was the last time your bank actually talks to you, the customer? In this episode of One Vision, Theo and Bradley talk to Billie Simmons, co-founder of Daylight. To Billie’s point, LGBTQ is not just a marketing segment. It is also a community with unique needs that incumbent financial institutions have largely failed to address. It’s about time we change that.

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

    Aging well is a right, not a privilege Mar 09, 2021

    Whether you are an incumbent or a fintech startup; a community bank or a credit union, our industry’s goals should ensure that there are better financial outcomes throughout the lives of every customer and every community — beyond those already privileged and already profitable. Tune in to this week’s One Vision episode, where Theo and Bradley chat with Ramsey Alwin, CEO of National Council on Aging, on the role the financial services industry can play in making economic security a reality for older Americans and beyond.

    We have the technology and the capacity — to design a more inclusive future for every person and every community — now we just need the will to do so. It is not only the right thing to do, it is also a smart business decision.

    Aging well for all is a matter of equity. A matter of dignity. And a matter of justice.


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

    Asia - the hotbed for fintech innovation Mar 02, 2021

    Asia is home to more than half of the world’s population. It is also a hotbed for fintech innovation. From super apps and social ecommerce in China, cryptocurrency in Hong Kong, to digital identity and payments in India, there is never a dull moment. Despite the dizzying pace of development, the party is just getting started. In this episode of One Vision, Theo and Arun dive into the eclectic mix of markets in Asia with Syed Musheer Ahmed, Founding Board Member of FinTech Association of Hong Kong and the Founder of FinStep Asia.

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

    A ticket towards prosperity or a bottomless pit of debt Feb 23, 2021

    Is college education a ticket towards prosperity and job security — or a bottomless pit of student loan debt? If you live in the U.S., that is a $1.7 trillion dollar question.

    Student loan debt impacts all financial aspects of a consumer; and the burden is amplified for first generation college students and people of color, who don’t typically have access to generational wealth. With wage disparities induced by systemic bias, such gaps continue to grow even after employment.


    In this episode of One Vision, Theo and Bradley chat with Tobin Van Ostern, founder of Savi, a public benefit corporation focused on tackling the student loan challenge faced by America's 46 million student loan borrowers. While policy reforms are long overdue, we believe that private sector innovation can still play a crucial role to provide much needed immediate relief.


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

    Star Wars trivia and what does banking have to do with it Feb 16, 2021

    What does digital transformation really mean? Can banking truly be helpful? How can we be more thoughtful as we innovate, without leaving populations behind? For this week’s episode of One Vision, we move north across the border to Canada, where Bradley and Theo chat with Barb MacLean, Director, Application Development at Celero, on banking in Canada. Fun fact, do you know that ninety percent of Canadians live within 100 miles of the US border? And stay to the end to find out Barb’s favorite Star Wars character.

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

    The birthday twin Feb 09, 2021

    Despite everything that has happened globally in 2020, fintech - as an ecosystem - was quite active. Some would even say, productive. What is happening with the mysterious East, especially with the Republic of India, a country with over 1.3 billion people? Tune in to a fun conversation with Theo and Bradley, as they chat with Urvashi Prakash about local innovation, funding, big tech, and regulation. Oh - and happy Birthday Urvashi and Bradley!

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

    The purpose of principles Feb 02, 2021

    In an industry where the business model is largely detached from consumers’ financial well-being, what is our purpose and what are our principles? Can we govern ourselves to make good decisions? Can we truly prevent the abuse of power and maintain transparency? Can our industry act as a true global fiduciary, or must there always be a conflict of interest?

    As we look forward to the next decade and the next 100 years, how can we become better ancestors to the next generation and the generations after that? In this new episode of One Vision, Theo and Bradley chat with Tony Fish on data, money, and purpose.


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

    The unequal pie Jan 26, 2021

    Talent is equally distributed. Opportunities are not. According to the latest Money Tree Report, startups in the top three states in the U.S. (California, Massachusetts, and New York) raised 74% of funding in 2020. This begs the question, how will entrepreneurs in other states get the necessary funding and support when the pie is not equal? How does the imbalance in turn impact local businesses and economies? And will the momentum behind remote work prompt necessary changes to turn the tide?

    In this episode of One Vision, Theo and Bradley chat with Wayne Miller, Executive Director of the Venture Center, on their efforts to drive corporate innovation and startup ecosystem development in Little Rock, Arkansas.


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

    The curious mind of a fintech influencer Jan 19, 2021

    What makes someone influential? It’s not just about having an informed voice on a particular subject, or eye-popping social media metrics. It’s more about how you engage and create conversations, and how you develop and engage in a community that really matters most. Don’t miss this week’s episode of One Vision, where Theo and Bradley chat with global fintech influencer, Spiros Margaris, on lived experiences, his secrets to success, and banking trends for 2021. Having met Spiros in person quite a few times, we promise - he is as real as it gets and is a truly authentic voice in the wild wild west of FinTech.

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

    Voice of Change Jan 12, 2021

    We are all familiar with the systemic racism in our society and its long lasting generational impacts. In a recent report by Brookings, it was revealed that the "400 richest billionaires have more total wealth than ALL 10 million Black American households."


    To encourage a more diverse and inclusive community, we must create different pathways to technology. As the past nine months have demonstrated, digital technology has untethered opportunities from physical locations — the coastal cities and innovation capitals — enabling us to engage with talent from all walks of life and all around the world.


    Join Theo and Bradley for an inspirational episode with Dr Sue Black and Dr Simon Schofield, as we talk about diversity in tech, AI, and their latest endeavour, TechUp Women.


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

    Future of finance is open source Jan 05, 2021

    While there is no lack of challenger banks disrupting the digital banking space for consumers, what about the needs for marketplaces? Can we make sending, receiving, and storing money much simpler than it is today?


    Who would aspire to be the most boring company in fintech? For a fintech company that has just raised a $27 million round led by a16z, Moov is anything but boring. Tune in to our latest episode of One Vision as Theo and Bradley chat with Wade Arnold and Walt Cox from Moov.


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

    A dumpster fire year Dec 22, 2020

    It will be hard to find one word or even one phrase to describe 2020. For many, it was a year of broken dreams and hardship. A global pandemic, coupled with a racial reckoning, leaving many of us feeling lost and exhausted. But within the moments of the bad and ugly, there were good. The experiences that we share have brought many of us closer together, and made us realize that we share much in common, that there are fights worth fighting for.


    In this new episode of One Vision, Arun, Bradley, and Theo talked about the year that was 2020, what they are grateful for, and what they look forward to.


    Thank you for being part of our journey this year. We wish you a safe and wonderful holiday season.


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

    Bringing Sexy Back (Yeah) Dec 15, 2020

    We all start getting older the minute we are born. Yet, somehow, magically, after a moment of arbitrary time, getting older ceases to be sexy. Worse, our society associates this with decline — and treats ageing as a disease needing to be cured.


    Is this negative attitude and bias towards age driven by our culture? In this day, how do we leverage technology to change our perception of ageing, and truly embrace age as but a number? In this episode of One Vision, Theo and Bradley chat with Dr. Chaiwoo Lee and Dr. Julie Miller, from MIT Age Lab, on how to drive meaningful behavioural changes using technology and think about ageing in new and more hopeful ways.


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

    We are here but to serve Dec 08, 2020

    In an industry where fees play a large part in one’s business models, is it possible for banks to make money off of customer success rather than unfortunate circumstances? Where we are enabling access to financial products, how do we use data to help customers do so responsibly?


    In this episode of One Vision, Theo and Bradley chat with Curt Queyrouze, President of TAB Bank, a passionate believer in equality, and whose philosophy is uniquely human. This conversation will warm your heart. We promise


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

    Starling is my darling Nov 24, 2020

    What a month it is in the land of FinTech. Starling Bank became the first retail challenger bank to turn a profit. WhatsApp finally received approval to launch in India. Barclays and Amazon formed a new partnership and Google Pay re-launching and adding Plex bank accounts with Citi, Stanford FCU, and a dozen others — there is never a dull moment. But when the dust settles, what are you most excited about? And what are you most grateful for?


    Tune in for a new episode of One Vision with Arun, Bradley, and Theo as they continue to reflect on the year that is 2020.


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

    Beyond Good Nov 17, 2020

    To achieve global financial inclusion, we must work together to help our communities thrive. We must be more aware of the plight of those living very different lives, just as we must strive to empathize with the lives of those living within our own communities — often just miles away, tucked behind often invisible cultural barriers, born into very different circumstances than our own. Inclusivity doesn't require creativity; it requires empathy. Join Bradley and Theo in this episode of One Vision as they unveil their new book: Beyond Good.

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

    The future of work is 1099 Nov 10, 2020

    Thanks to the rapid growth of gig economy platforms such as Lyft, TaskRabbit, Uber Eats, and Deliveroo, the way we earn a living has changed quite dramatically these past ten years. While this might be labeled with the endearing term, the future of work, touting flexibility as the primary benefit for adopting contingency work, many gig workers are simply overworked and underpaid.


    In this episode of One Vision, Theo and Bradley chat with Hantz Fevry, co-founder of Stoovo, on why the current class of neobank apps is not enough to meet the needs of this growing demographic of workers, and what more can be done.


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

    The Story of Data Oct 27, 2020

    What does it take to build an ethical AI that enables humankind to use technology for good - instead of exacerbating the systemic inequalities in our society? What are the key considerations and pitfalls? Who owns the data? Whose rules and standards do we abide by? Who gets a seat at the table?


    In this episode of One Vision, Theo and Bradley chat with Uday Akkaraju, CEO of Bond.AI, a human-centered artificial intelligence platform for banks. The trio explore the challenges around data collection and human bias, and the Fintech innovation ecosystem in Little Rock, Arkansas.


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

    It started in the Fall Oct 20, 2020

    In this episode of One Vision, Bradley and Theo recap this past week’s MTL Connecte event as part of Montreal Digital Week. Unconventional Ventures hosted an unconference within the conference: five panels, fifteen distinct voices, and our keynote combined thoughtful dialogue and guiding principles around diversity and inclusion: from digital inclusion to financial inclusion, AI, ethics and bias, an inclusive future of work, innovation for the longevity economy, and much inspiration of the East.


    Now if only we could have done this in person and celebrated the week in the beautiful city of Montreal! There’s always next year. Come join us as we travel back in time once again in order to find a better tomorrow.


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

    She has a name Oct 13, 2020

    Despite much focus and discussion over the last few years on the need to improve gender diversity within financial services, 2020 has proven to be disappointing. While we have made some gains in leadership, including the appointment of Jane Fraser and Stephanie Cohen to the top posts in otherwise male-dominated territories, funding for female founders has fallen to 2017 levels, while the aggregate VC world is still doing quite well.


    How can we change the status quo? Or do old habits die hard? Tune in to this week’s One Vision episode, where Arun, Bradley, and Theo examine this disappointing year for gender equality and the need to do better. This episode is specially dedicated to all the women, whose names shall not be forgotten.


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

    Economic equality is a human right Oct 06, 2020

    Economic equality is a civil right. It should be as simple as that. Food - shelter - water. We all need the most basic necessities to survive.

    But if we have learned one thing from the past few months (and we surely hope you have learned more than that), while we are all riding out the economic storm together, we are hardly riding in the same boat; some are relaxing in the yachts; others are clinging to the wood planks, fighting for survival.


    Winter is coming. Will we ever get out of the hole that we are in? How do we even begin to rebuild?

    Buckle up for this week’s One Vision episode with Scott Astrada, as Theo and Bradley dive in for some much needed soul searching.


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

    Happy 100 Sep 29, 2020

    As we celebrate the 100th episode of One Vision, we traveled back in time to share some of our favorite moments of what was once called Rhetoriq, and celebrate the convergence of minds. Our cultures and upbringings couldn’t have been more different; yet we are joined together by a shared vision of purpose, and a belief that we can do well while doing good. We hope that the stories that our guests have shared can bring you inspiration, hope and a renewed sense of purpose.


    Join Arun, Bradley, and Theo, for this 100th episode special.


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

    The future of finance is embedded Sep 22, 2020

    As the facets of financial services become increasingly cut apart, we must look for the biggest opportunities to serve more people. The promise of embedded banking is in the shifting focus of the financial services business model from the profitability of the banking provider to the long term financial wellness of the consumer and business provider.


    Will the rise of the superapp model and more deeply embedded banking usher in new levels of democratized access to financial services and further our quest toward full financial inclusion? In this episode of One Vision, Bradley and Theo talk about the changing nature of banking, and our relationship with money — from dollars and cents to the data behind the ones and zeroes.


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

    The only moment that matters is now Sep 15, 2020

    There is never a dull moment in the land of financial services. From Jane Fraser breaking the glass ceiling to become the first female CEO of a major Wall Street Bank, to Santander spinning out its corporate venture team and doubling the commitment to $400 million, the only constant in financial services is one of change. And change we must. At this past week’s FintechTalents North America conference, Scott Astrada from Affirm delivered an inspirational keynote on why the industry must change to reflect the changing face and the changing needs of America.


    On the 50th anniversary of Milton Friedman’s controversial free market manifesto, with our world facing one of our most severe economic challenges of modern times, there isn’t a more urgent moment than now - to refocus our attention on the well-being of ALL stakeholders. Tune in for another episode of One Vision, where Theo and Bradley talk about the week that was.


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

    Misfits of Wall Street Sep 08, 2020

    When did the revolution start? How did a tiny little pocket device known as the iPhone upend the world of finance as we know it today? And where would we go next?


    In this episode of One Vision, Bradley and Theo sat down with Daniel P. Simon, the author of The Money Hackers: How a Group of Misfits Took on Wall Street and Changed Finance Forever to talk about his own personal journey, how he retold the stories of some of the major Fintech players for his book, and the next chapters of the story of Fintech.


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

    Thinking beyond just today Sep 01, 2020

    It has been difficult to think beyond just today, but we must. What has been happening in the fintech space, within venture capital, and within the broader financial services ecosystem? Surely more mergers and acquisitions, more devaluations of once high-riding unicorns, and rumors of neobanks demise to discuss, but at the heart of the topics of the last few weeks is the importance of the humans behind the headlines, and the more important context beyond the business that we’re in. Please join us in this moving discussion about what is keeping us all up at night, and what we expect for tomorrow.


    In this episode of One Vision, Arun, Theo and Bradley chat about the context of news during this ongoing pandemic and on the importance of humanity remaining at the heart of everything we do. The future may very well depend on it.


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

    Our Connections: To each other and to everything else Aug 25, 2020

    While we all make personal connections during our lifetimes, the truth is that we are all connected in ways often unseen. Everything we see, everything we feel, everything that will be — it comes from something created before us. Our communities are like this too, connected by the individuals, families, and small businesses and business models that have built up our society, our economic systems, our values, and our beliefs.


    Everything in life is a series of connected systems.


    In this episode of One Vision, Theo and Bradley chat with our good friend, Paul Loberman, a veteran digital banking executive whose time at Abbey Bank, Santander, and HSBC has taught him much about connections. We talk with Paul about the evolution in serving the needs of small businesses, the banking industry post pandemic, and building back better.


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

    For Love of Voice Aug 18, 2020

    How do you measure the wealth of a society? By physical and tangible assets or how we care for one another? How we ensure no one is left behind in the digital era speaks volumes about our values. Technology, when implemented thoughtfully — can unite rather than divide, can enable aspirations rather than trigger divides, and can deliver upon dreams rather than dash them. Purpose should not be an afterthought — it should, and must be — part of every community’s DNA.


    In this episode of One Vision, Theo and Bradley chat with Heidi Culbertson, CEO/Founder of Marvee, and a leader in Voice technology on the importance of inclusive design and how you can do well while doing good.


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

    The Accidental Banker Aug 11, 2020

    There are many ways to create meaningful impact. Some choose to start their own endeavour, attempting to change the existing paradigm from the outside. Others choose an often more arduous route to create change from within. Regardless of which path you take, the journey can be treacherous and full of surprises. The best stories often come from those who have chosen to embark on multiple expeditions — and lived to tell us their tales.


    In this episode of One Vision, Bradley and Theo chat with Drew Graham, Director of Digital Strategy at Barclays, as he walks us through his journey into the heart of darkness as he nudges the industry toward the arc of the common good.


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

    Look for the helpers Aug 04, 2020

    The Supplemental Nutrition Assistance Program (also known as SNAP) provides important nutritional support for low-income individuals and households within the U.S. In 2018, the program helped 40 million low-income Americans afford a nutritionally adequate diet in a typical month. But the impact of COVID-19 on low income families cannot be understated. With substantial unemployment, many are concerned with the stability of their housing, or the ability to put food on the table.


    Tune in for an inspirational episode of One Vision, where Theo and Bradley chat with Jimmy Chen, the founder and CEO of Propel, about his startup journey, how Propel helped make this critical safety net program more user-friendly while improving consumer financial health, and how Project 100 became the most ambitious private direct payments initiative during the COVID-19 pandemic.


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

    Powering Innovation: Banking’s Embrace of the Cloud Jul 27, 2020

    Digital transformation journeys for financial institutions — regardless of size — present many challenges. Banks have traditionally been more of a follower, rather than a leader, in adopting emerging technologies like artificial intelligence, machine learning, and edge computing. In one area, this is changing rapidly: cloud computing. In this episode of the One Vision podcast, Randy Walker, Global Managing Director, Financial Services, of IBM, discusses the launch of IBM Cloud for Financial Services with Theo and Bradley. He shared with us the many benefits of leveraging cloud computing infrastructure for financial services firms, and how IBM’s ecosystem is growing to meet the needs of their banking clients.

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

    A revolution of a different sort Jul 21, 2020

    The year 2007 was a watershed moment in financial services. That year saw the launch of mPesa in Kenya, the second iteration of the Payment Services Directive (PSD2), and the launch of the iPhone, which changed relationships with customers forever. Venture investment in startups in what would eventually be called fintech were just starting. It truly felt like we were on the verge of a revolution within financial services.


    Over the past decade, every aspect of financial services has been rearranged, unbundled, and rebundled, as has the concept of what digital disruption looks like for incumbents in the space. Between new forms of customer value, and new directions for financial innovation, it’s more wild wild west than ever before. Tune in to this new episode of One Vision with Gregg Schoenberg, Managing Partner at Wescott Capital, and Founding Editor of the Financial Revolutionist, as he chats with Theo and Bradley of Unconventional Ventures about this ongoing revolution. Without the FR, this is as close as we can get with a fix of Gregg’s whimsical thoughts


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

    Seize the day Jul 14, 2020

    Imagine yourself years from now looking back at the decade that was. As you think about your life, your career, your friends, your family, your tribe—what happened to your path? How did you change when the world was upside down, when the gravity of your roots were the only connectivity to your core values and beliefs? At what point did the future begin once again? The decisions we make everyday in life matter, none more important than during times of tragedy. The real visionaries are the ones who accept that if nothing they have historically held on to is guaranteed, then this is the time of opportunity to do the thing as it needs to be done.


    In this episode of One Vision, Theo and Bradley chat with Dr. Leda Glyptis, Chief Executive Officer at 11FS Foundry, and author of the weekly column #LedaWrites on Fintech Futures. Leda discusses her own path, her motivations for the future, and inspires us to do the same.


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

    Look Toward the East Jul 07, 2020

    The path toward broader inclusion — especially financially driven inclusion — starts with acknowledgement of structural impediments within our lives, our communities, and our cultures. Financial inequality is a human created problem that can be solved. While there are 1.7 billion adults worldwide that are truly unbanked — without any access to the formal financial services system — the advent of mobile phones, mobile money, and mobile credit systems has enabled many of these economies to leapfrog the West, and bring more people into the traditional economic system.


    In this episode of One Vision, Theo and Bradley chat with Chenni Xu from Ant Group, on the financial inclusion efforts at the Alibaba affiliate, its impact on small businesses in China, and what lies ahead.


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

    Pause for purpose Jun 30, 2020

    From the $825 million Finicity/Mastercard tie-up to the Wirecard scandal to Lemonade’s plan to raise $286 million in an IPO — there is never a dull moment in the land of Fintech. Half a year has gone by and we are in the midst of a pandemic and deepening recession. If we were to give ourselves a grade, has Fintech done what the ecosystem has set out to do?


    Has it challenged the status quo — and make banking better? In this new episode of one vision, Theo and Bradley looked back at the week that was and talked about what should be.


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

    Mise en place (everything set in its place) Jun 23, 2020

    How does gastronomy and financial services coalesce? As you build skills in the kitchen, every aspiring chef learns about the significance of mise en place, or having everything ‘set in place.’ This helps the cooking process become more efficient, but also more pleasurable as you master facets of the culinary arts. The elements of mise en place include choosing a recipe and building a plan, preparation of work space and equipment, and the assembly of essential ingredients. It helps you learn to inject new ingredients as it enables moments of serendipity. There is a similar arc for successful innovation and product development within financial services. It starts with getting the right people in the kitchen. Are you hungry for more?


    Join Theo and Bradley in conversation with Peggy Mangot, serial entrepreneur and SVP of Innovation at Wells Fargo, as she talks about her experience within financial services innovation from big tech to startups to big banks, creating an environment of collegiality and debate, the importance of lifelong learning and an ongoing sense of optimism and hope.


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

    Influence of the 7-minute Jun 16, 2020

    Public speaking is an art. And when you need to do a demo at the same time in front of a live audience, it’s even harder. In this episode of One Vision podcast, Greg Palmer, VP and host of Finovate walked down memory lane as he spoke about the history of one of the longest running fintech conferences. He shared with us some of his secrets on how to deliver an engaging talk as you navigate the showmanship of demonstrating your solution. It makes us wonder, when would we get to go back to a live event and hear Greg’s gong again? It’s the fastest.


    Most nerve-wracking seven minutes of your life — won’t you join us?


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

    In the face of racism Jun 09, 2020

    Systemic racism and a long history of discrimination have meant that African Americans have always fared worse in the labor market, both in good times and more so in bad. Losing out of more than a century of wealth creation, black households are falling further and further behind. And after a decade coupled by the Great Recession and the COVID-19 pandemic, the time for radical change is far past due.


    The murder of George Floyd and the protests that have followed are creating a period of global contemplation, about how to react, what to feel, and how best to improve our society. Listen in to Arun, Bradley, and Theodora, as we talk about some of our feelings about the past few weeks, how financial services and venture capital have reacted, and what we see as some of the things we think need to change.


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

    The Giant Hairball May 26, 2020

    Each ecosystem is unique. How we stimulate local entrepreneurship in each community, and activate innovation with local businesses, is more like an art rather than a straightforward manuscript. COVID-19 will no doubt accelerate changes in our ecosystem and challenge incumbents and startups alike in each geographical region. And now is the time to leverage our creative geniuses to let go of our biases and fly to new heights on untested wings. Join us for a new episode of One Vision, as Theo and Bradley chat with Manoj Govindan on venture building, innovation, and anti-fragility.

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

    Sharing for the greater good: We are all data scientists May 19, 2020

    How do we use technology to help more people? How can we get companies to collaborate more — so that we can advance technology faster and in more meaningful ways? How do we empower more people to voice their ideas — and change the perception of what is possible?


    We need storytellers. We need evangelists. We need more leaders who are passionate about creating a brighter future for the world, who are not afraid to challenge the status quo and nudge us all to make the right choices — to use AI for good.


    In this new episode of One Vision, Theo and Bradley chat with Noelle Silver, VP Digital Technology of NPR, Founder of AI Leadership Institute, and Founder of Women in AI, about her tech journey, and about her vision for the future.


    Our conversation left us inspired and craving more. As it turns out, we all need a sprinkle of Noelle dust.


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

    Voice technology by everyone - for everyone May 12, 2020

    The linguistic world is bewilderingly diverse, with roughly 7177 living languages worldwide, according to the Ethnologue. A language is more than a form of speech that groups of people use to communicate with each other. It embodies a connection to the past — culture and traditions. Any attempt to decipher a language must therefore go beyond the literal meaning of words. With datasets being largely homogeneous, it should come as no surprise then, that the virtual assistants currently in the market still have significant gender and race bias.


    In this new episode of One Vision, Theo and Bradley chat with Dr. Joan Palmiter Bajorek, Head of Conversational Research at VERSA, CEO and Founder of Women in Voice, about the promises of voice technology, her passion in democratizing access to voice technology across ecosystems and languages.


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

    Dawn of purpose May 05, 2020

    It was the best of times — then suddenly, it was the worst. Nothing quite like a global pandemic to recast the lives of billions. Yet the money wheel of the financial services industry keeps turning. Q1 2020 saw $10.6 billion of venture funding, according to FT Partners. Megadeals continue, including a Series F round of $280 million for Robinhood and $112 million for Stash.


    All around the world, financial institutions — incumbents and startups alike — are making provisions to mitigate the economic impact of COVID-19. Perhaps it should come as no surprise that five months after launch, RBS decided to pull the plug on its new digital bank, Bó, once touted as a response to challenger banks Monzo, Revolut, and Starling. Building a greenfield digital bank is never easy — especially given current economic conditions.


    With so much going on in financial services today — amid a pandemic no less — it seems like it might take all four hosts this week to sort it out. Listen to our latest episode of One Vision when Efi, Arun, Bradley, and Theo are reunited - for the first time in the show’s history.


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

    We call them Sheroes Apr 28, 2020

    Dolphins are often thought of as compassionate and loving marine animals. Unlike sharks, which are often depicted as hostile, dolphins are warmer and more enthusiastic. To guard against sharks, dolphins stay together in pods and defend each other.

    Same analogy was used by Amy Millman, a passionate advocate for women entrepreneurs, and founder of Springboard Enterprises - the first such organization to identify the opportunity presented by high-potential women entrepreneurs. Its mission is to accelerate the growth of female-owned startups through access to essential resources and a global community of experts.

    As Amy said: It’s not about sharks or piranhas but rather, “How can we help?”


    Tune in to this week’s One Vision podcast, where Theo and Bradley chat with Amy, the fairy grandmother, about her journey, and the importance of community.


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

    A Quantum Connection Apr 21, 2020

    Description: Everything that happens is connected to everything else. There are then, moments in time, that act as triggers toward a series of interconnected events that result in significant human progress. This occurs through periods of transformative societal change — from the initial tools that humans developed through the Stone, Bronze, and Iron Ages — and through the evolution of ideas during the Classical Era, Middle Ages, Renaissance, Reformation, Enlightenment, Industrial Revolution, and beyond — until we arrive to where we are today.


    There is a certain forcefulness around the march of technology as it fuses with prevailing ideas that stem from each iterative step forward. As the modern era developed, the conceptual idea behind a computer became the first machines to use mechanical relays and vacuum tubes, transistors and integrated circuits — advancement fueled by Moore's Law, microprocessors and quantum computers. Interconnected advancements continue to power significant progress. What will the future bring, as new forms of technology impact our society?


    Join Theo and Bradley in conversation with our partner Arunkumar Krishnakumar, as he talks about his new book Quantum Computing and Blockchain in Business: Exploring the applications, challenges and collision of quantum computing and blockchain and explores the progress possible through these interconnected technologies.


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

    You can’t be what you can’t see Apr 14, 2020

    For all intents and purposes, the venture capital gender gap has improved. In 2019, history was made: 21 women-led companies emerged as unicorns — those earning valuations of $1 billion or more — the highest-ever in a one-year period. Unfortunately, that is just a drop in the bucket compared to what the rest of the ecosystem has raised, according to Crunchbase.


    In 2019, more than 92% of venture capital raised by European tech companies went to all-male founding teams. It's even worse in the U.S. How can we change this narrative? How can we create a more even playing field? What will the current pandemic mean to this funding dynamic? One thing we know for sure, we can’t go back to the old normal. There is too much in too little hands. It is time for a bigger pie - one with more equal slices.


    Tune in for a new episode of One Vision with Bridget Greenwood, Founder of The Bigger Pie, as she chats with Theo and Bradley about the need to change the status quo.


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

    We are here for a reason Apr 07, 2020

    Talent is equally distributed; opportunities are not. According to the latest Equal Pay Day Report from Women Who Code, while equal pay is an issue for all women, marginalized groups experience different levels of pay inequality. For every dollar that white, non-Hispanic men earn, black women were paid 61 cents, Latina women were paid 53 cents, and Asian women were paid 83 cents.


    The stats look equally dire, if not worse, for venture capital funding, with less than 10% of all venture capital deals going to women, people of color, and LGBTQ founders. Despite increased awareness, we have barely moved the needle for gender equity over the past decades.

    It is time to change the narrative - to build a more equitable future for everyone.


    Tune in for an empowering conversation with Arlan Hamilton, as Theo and Bradley chat with the founder of Backstage Capital about her remarkable journey. As she reminded us, we are all here for a reason. We all have a part to play.


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

    We are human - first and foremost Mar 31, 2020

    Talent is equally distributed - opportunities are not. The onus is on all of us, in the innovation economy, to create opportunities for people, so more cities can thrive. The secret, according to Patrick Rivenbark, lies in not trying to recreate the next Silicon Valley or New york, but rather, in recognizing and appreciating the uniqueness of each city, its geography, and its people. Only then can you cater your efforts in developing the workforce - for both essential and core skills, and create pathways to help them succeed.


    Join Theo and Bradley in this new episode of One Vision, where they chat with Patrick Rivenbark on the value of local communities and the power of relationships. We are all indeed, human, first and foremost.


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

    Changing the Entrepreneurship narrative Mar 24, 2020

    We all know the numbers and they are dismal: Even though female founders received a record $3.54 billion in funding in 2019, this represented only 2.7% of the total venture capital investments, according to PitchBook data. As a point of comparison, WeWork garnered more investment than all global female founders combined last year. If not for irony, then for the despair of the missed opportunity.

    Is it possible to change this narrative? Is there a more equitable way of dispersing capital? Victoria Fram of Village Capital certainly thinks so. Among their portfolio companies that span 28 countries, 46% are founded by women; 30% are black or Latinx. For those of us working within the innovation economy, we have a responsibility to make entrepreneurship more inclusive, by extending opportunities to diverse minds and talents in all corners of the society, regardless of their age, ethnicity, backgrounds, and gender.


    Tune in for an aspirational podcast episode of One Vision with Victoria Fram, Founding fund manager of VilCap Investments and co-founder of Village Capital.


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

    The Virus that brings us together Mar 17, 2020

    Across the globe, nations are grappling with a crisis brought on by the Corona virus COVID-19. With many schools and businesses closed, daily lives have been disrupted; in so many aspects, our regular lives have ground to a halt, and we are forced to adjust to a new normal. How we respond to the crisis at hand speaks volumes about our values as individuals, as organizations, and as a society. We can either step up to the challenge and weather the storm together with our friends, our families, and our communities, or we can turn a blind eye to those who need us the most in this unprecedented and most uncertain time.


    When this is all over — when we look back at the year that was 2020 — how would we remember the crisis? How will we remember the people who were part of our personal journey? While we might not remember the exact words people said, we will remember how they made us feel. We will remember how their actions impacted our lives and our community. We will remember those who made a difference, and those that made matters worse. It is through leadership that progress endures, that moments of crisis are tempered.


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

    Contagion of Change Mar 10, 2020

    Children are our future. In today’s environment, how can we make knowledge more accessible while making learning fun? How can we ensure we are not leaving people behind as we are ushering in a new era? As citizens of the world, we have a collective responsibility to inspire positive actions and channel technology for good. Together, we must build a diverse talent pipeline of the future, a chorus that celebrates diversity of all kinds.


    Tune in for an inspirational episode with Sally Eaves, who shares with Bradley and Theo her passionate stories and what motivates her. Their conversation will leave you pondering - if you can do something for your community that truly makes a difference, what will your legacy be?


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

    Scoring a better future Mar 03, 2020

    In the age of algorithms, how can we leverage data to truly engage with our customers and provide real value for them, be there at the right place, at the right time? How do financial institutions differentiate themselves beyond convenience? Technology has always been a means to an end - it is built by people, and made for people. Just as how modern technology companies have made it frictionless to spend money - we must innovate and leverage technology to re-shape the future - where people can have the opportunity to build wealth and attain long term financial security, regardless of where they come from, and regardless of their demographics and social circles.


    Join Theo and Bradley for a new episode of One Vision, as they chat with Alex Johnson, Marketing Director of FICO, on how we can create a better financial future for all.


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

    Magic mirror of fintech, who is the fairest of all? Feb 25, 2020

    Many Fintechs have emerged across the globe over the past two decades - from the U.S., U.K., and Africa, to China, India, Southeast Asia and beyond. From personal finance to payments; from banking infrastructure to fraud, scores of fintech startups have upended the previously slow moving world of financial services, changed consumer expectations, and challenged incumbents to move beyond the status quo.


    If you were to pick the two most impactful fintech companies, which ones would they be?


    Would it be the humble ATM machine and Diners Club, the first widely used charge card? Or would it be Ant Financial, the world’s most valuable fintech startup and Tencent, which have completely changed the payment habits of the country with over 1.3 billion people - rendering it essentially cashless in less than two decades? And no fintech story is complete without mentioning PayPal, one of the earliest fintech startups and one of the most well-known digital wallets.


    Join us for this week’s episode of One Vision, where Arun, Bradley, and Theo talk about fintech past, present, and future, and the fintech startups that have shaped the industry.


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

    The Truth Still Matters Feb 18, 2020

    As the digital age prospers, consumers increasingly turn to the Internet for information. While digital media provides readers with more personalized content, with social media overtaking TV and newspapers as a source for news, we run the risk of being trapped inside echo chambers where our existing viewpoints are reinforced. Where once the ability to broadcast was a privilege reserved for the few, individual contributors now have the power at their fingertips to connect directly to their audience and disseminate information instantaneously around the clock, across physical boundaries and cultures.


    From regional to national papers, press ownership is now concentrated in the hands of a few conglomerates. What is the truth? What role does the press play in the age of instant gratification and fake news?


    Tune in for a new episode of One Vision, as Theo and Brad chat with Penny Crosman, a well-respected figure in the financial services space, and the executive editor, technology, at American Banker.


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

    Payment's latest disappearing act Feb 11, 2020

    The future of payments is as clear as disappearing ink. As each region embraces ubiquitous and embedded payments through superapps, QR codes, NFC, wearables, and voice, the rise of card-not-present and card-on-file payments only increases. Banks, retailers and consumers must further optimize activities that could potentially disrupt their ability to transact, whether through online or mobile commerce, or setting up recurring subscriptions like Netflix and Amazon Prime. What challenges does this create for the payment ecosystem?


    By 2023, retailers could lose $130 billion in revenue on fraudulent card-not-present transactions. What does it mean for our user experience if payments break, and consumers abandon virtual shopping carts, or invisible spending gets out of control? Learn more about where payments are headed in this week’s episode of One Vision where Theo and Bradley talk to Michele Tivey, Co-Founder and CEO at Payometry.


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

    What happens in Davos stays in Davos Feb 04, 2020

    1600 private jets descended upon the beautiful ski resort of Switzerland, as the world’s elites gathered for the 50th World Economic Forum. Plenty of pledges were made to address some of our most pressing challenges, from sustainability, stakeholder capitalism, to gender equality, and the future of work.


    While Greta Thunberg was calling out the dire consequences of the world’s inaction on climate change, another world leader was challenging her message of “doom.” While historian Yuval Harari was sounding out the warning on the threats facing humanity in the 21st century, Google CEO Sundar Pichai reminded us of the upside potential to use technology for good. Elsewhere, Germany's Chancellor, Angela Merkel, gave a special address to the forum attendees, calling out the polarization of our societies and the perils of echo chambers.

    Does it really take a college degree in economics to see that what we are doing might not be best for the planet that we call home?


    Will what happens in Davos literally stay in Davos? Or is there hope for real impact and action from the world’s most powerful and richest? Join Arun, Bradley, and Theo on a new episode of One Vision, as we share our optimism and skepticism on #WEF2020.


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

    Putting social back in social media Jan 28, 2020

    Many companies use social channels to push their campaigns. But to be truly successful and effective requires more than broadcasting. It requires an engaged online community and a thoughtful content strategy. Above all, it needs enthusiastic team members - since they are the true voice of your brand. Relationships still matter, and this is especially true for conversations carried out on digital platforms.


    In this new episode of One Voice, as Theo and Bradley chat with Danielle Guzman, Global Head of Media & Content at Mercer, a thought leader, and an influential voice on social media known for her authenticity. Tune in for an inspirational discussion on using technology to enable human conversations.


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

    Technology is age agnostic Jan 21, 2020

    For the first time ever, there are now more people on Earth over the age of 65 than there are under the age of five, a result of increased longevity coupled with declining birth rates. In the U.S. alone, 20 percent of American adults will be 65 and older by 2030.

    How prepared is society to cater to the financial needs of the fastest growing demographic?

    In this episode of One Voice, Bradley and Theo chat with Liz Loewy, co-founder and COO of EverSafe, a fintech company that monitors the financial health of older adults and families for fraud, identity theft, and age-related issues. While much of the technology innovation tends to focus on younger generations, Liz made the case that there is a big opportunity in safeguarding the assets and financial well-being of those who are older.

    After all, technology should be age-agnostic too.

    And we can’t agree more.


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

    One Vision Launch Jan 14, 2020

    Today we launch the first episode of our rebranded podcast 'One Vision'. One Vision is the convergence of views and dreams of the global innovation community that yearns for a sustainable future. A future that looks greener and truly egalitarian.


    We live in times where everything we do needs to be thought through in terms of their implications on the planet we call our home. We live in times where the world is truly global, yet there is a lot of work to be done to ensure equal opportunities for all. We live in times where innovation can speed up the process of getting to a sustainable future for all of us, and for the planet. One Vision is a forum that will discuss all these aspects and explore opportunities for us to do better for the sake of humanity.


    We will bring to you stories across the world that align with our thesis, our dream and our views on an inclusive world and a future. In today's episode, Theo, Brad and Arun discuss their vision for this podcast and how it aligns with their ambitions.


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

    The Other 50: Ho Ho! Father Christmas comes to Fintech Town Dec 17, 2019

    As we rolled out the previous episode discussing what we think lies ahead on Fintech landscape, we saw several ask from people on what they would like to see as well. So, Theo kickstarted a Twitter crowdsourcing attempt to get a Fintech wishlist. We then spent sometime discussing that on this week's podcast.


    We start with Diversity as that was the biggest ask from Twitteratis. For instance, despite efforts across the ecosystem, we still see a massive difference in funding for women led startups. This is something we should see addressed soon.


    The other key ask was sustainable finance. We had highlighted this as a key area that would start seeing more and more focus in the last episode. Since then we have seen some big news with Mastercard investing into Doconomy and other climate conscious efforts from Fintechs.


    Fintech education was one key ask from the crowd. Theo and Brad feel there is a strong case for a proper course, where as Arun felt that with the quality of online content on Fintech, we only need Fintech education for specialists. These and more in today's episode.


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

    The Other 50: The Fintech Nostradamus Dec 10, 2019

    As 2020 approaches, what would you see in the world of financial services? How will China’s influence play out in Asia and beyond? What is the next evolution of challenger banks and super apps and will fintech finally move beyond payments? Can big societal challenges such as sustainability and the climate crisis finally make meaningful strides in how and where we invest? In this episode, Arun, Theo, and Bradley make their own predictions on what may make 2020 eventful – or not.

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

    The Other 50: Loki is a woman Dec 03, 2019

    A constantly evolving connected environment, coupled with consumer demand for all things digital, is leading to unprecedented cybersecurity challenges. While consumers are becoming more comfortable banking and shopping online, investments in maintaining security and preventing data theft and breaches often lag behind. Data breaches continue to make the headlines in North America, with an estimated 60 million Americans being affected by identity theft.


    The U.S. also suffers from a higher attack rate overall, compared to Canada and the U.K. How do we balance data privacy and security – with convenience and a frictionless customer experience?


    In this new episode of “The Other 50”, Theo and Brad chat with security expert Alissa Knight on her most recent project that has uncovered security challenges with 30 banks. In this API economy, security must not be an afterthought. Incumbents and startups alike must take the necessarily steps to safeguard consumers’ data and assets – and to provide the necessary mechanisms to educate consumers on the importance of cybersecurity hygiene.


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

    The Fintech Thanksgiving Nov 26, 2019

    Thanksgiving is fast approaching in the U.S. As we gather along with fintech friends and families and reflect on the year that was, what are some notable moments?


    In this episode of Rhetoriq, Arun, Brad, and Theo reflected on an eventful year, from mega industry deals to partnerships between unlikely bedfellows; from industry leaders in the East, to laggers in the West. While we continue to see funding pouring in, especially for fintech challengers that claim to be revolutionizing the financial services industry, are we truly achieving inclusion? Is a great user journey just a lipstick on a pig?


    How do we define purpose, and build sustainable business models to better serve local communities and those forgotten demographics in our society?


    We also touch upon the biggest risk to businesses, societies and to the next few generations - climate risk, albeit only in brief.


    Tune in for this week’s brand new episode – The FinTech Thanksgiving. And thank you – for being part of our ecosystem.


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

    The Other 50: The Data Science Dream Nov 19, 2019

    2019 has been a busy year for emerging technologies, especially for artificial intelligence (AI). From healthcare to financial services; from digital surveillance to education, new use cases have come and gone – along with news headlines on the dangers and opportunities of such power.


    Slowly – but surely though, AI is beginning to transform financial institutions’ relationship with their customers, as well as their relationship with money. From mobile banking, customer service, and beyond, incumbents and startups have been deploying various tools that serve to provide a more seamless customer experience. Combined with advanced data analytics, financial institutions can now empower consumers to “self-drive” their finances towards a desired goal, instead of merely providing insights based on historical transaction data (e.g. how much did I spend on Starbucks last month.) No wonder many in the business consider AI to be a must-have in order to remain relevant and competitive.


    Join Theo in this week’s new episode of “The Other 50”, where she talked with Joyeeta Das, CEO of Gyana, about the promise and peril of artificial intelligence, and why it is important to dream.


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

    The Other 50: March of the Pay's Nov 12, 2019

    Description for this week's episode: 2019 has been a whirlwind year for payments. Multiple mega deals were made and unlikely alliances between strange bedfellows have been forged. While we are still busy with plastics in the U.S., and finally enjoying the convenience of contactless payments, China has leapfrogged the world with their e-wallets ecosystem. All across Asia, big technology giants, such as Alibaba and Tencent in China, Grab and Go Jek in Southeast Asia, and Line in Japan and Korean, super apps play an increasingly dominant role in consumers’ lives beyond payments to other banking services. Will we see the West copying the trend from the East?


    Join Theo and Brad in this week’s new episode of “The Other 50”, where they talked with Stephanie foster about global payment trends, digital adoption, and social responsibilities.


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

    The Other 50: All roads must lead to Profitability Nov 05, 2019

    Digital only banks have been gaining popularity in recent years, especially in developing economies that previously lack formal financial services infrastructure. Apps such as M-Pesa (in Kenya), Alipay and Tencent pay (in China), and Nubank (in Brazil, Argentina, and Mexico) provide their consumers with a convenient and cost effective means of banking via mobile phones. Even fintech startups that previously offered investment services only are rushing to add banking to their portfolio. Despite the popularity, however, one crucial question remains: How sustainable are their business models? Most of these startups have yet to turn a profit and are largely dependent on massive venture capital.


    In this week’s “The Other 50” podcast, Theo and Brad chat with Tanya Andreasyan, MD and Editor-in-Chief of FinTech Futures, where they talked about the state of challenger banks and fintech funding, and what the future holds.


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

    The Other 50: Something about Mary Oct 29, 2019

    Nothing like a natural disaster to bring us back to reality. Food, shelter, water … power and clean air - the basic modern day necessities that we need to survive. Things that we take for granted. When it comes down to it though, it is the human connection - the communities that we live in and the bonds that we forge, that matters. For most of us who look at new technology products day in and day out, it is easy to become jaded and forget about our roots. Banking is not about creating the next new shiny gadget; nor is it simply about lending more money faster and easier. It is ultimately about serving people and closing the gaps in our society.


    In this new episode of “The Other 50”, Theo and Brad chat with Mary about her passion in banking and fintech, reflecting on the realities of modern day consumer finances, and the need for financial services industry to go back to our roots and do more.


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

    The Other 50: Towards a more inclusive future Oct 22, 2019

    Is there a growing fallacy around financial inclusion? Are we simply creating a new form of imperialism by taking financial services applications built in countries like the U.K. and attempting to export them to markets like Brazil, Uganda, India, and China? How inclusive is financial services if we are not considerate of differing economic conditions and the intricacies of daily life? Can we truly meet global financial needs, or is the industry too focused on digital technologies rather than the reality of the human condition? We must create a new hope.


    In this week’s podcast episode of The Other 50, Theodora Lau and Bradley Leimer have an engaging and free-ranging talk with Nina Mohanty on personal social responsibility, consumer debt, open banking, FinTech, financial services business model innovation, and financial education and how it impacts us individually. Learn about Nina’s passion about FinTech’s ability to drive broader financial inclusion and financial literacy, and her views on women's empowerment and the importance of children's education.


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

    The Other 50: The Authentic Self Oct 15, 2019

    What is the future of financial services? By channeling the spirit of Schrödinger's cat, we must properly debate our industry’s purpose, we must showcase every issue and provide proper context. Is the industry losing sight of who we serve and our impact on society as we pursue profit? Have we lost something in the nuance between High Street and Wall Street and that of Main Street and real conversations happening around kitchen tables?


    Sometimes it takes the mind of an economist to find that middle ground. In the inaugural interview of our Other 50 podcast, we make sure we get a little uncomfortable, in order to spark change and take off the blinders of blissful ignorance.


    Theodora Lau and Bradley Leimer talk with Ghela Boskovich, Head of Fintech & Regtech Partnerships at Rainmaking Innovation, and Founder, Global Ambassador of FemTechGlobal. Prepare to be informed, entertained, and challenged by one of the leading voices in global fintech and regtech.


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

    The Other 50: Seeking Symmetry Oct 08, 2019

    Gender inequality is more than statistics or sensational headlines. It not only impacts women, but also their families, businesses, and society as a whole. When you uplift women, you inject more voices, ideas, and perspectives, in what we do and how we do things. As diverse as our customers are, how do we expect to understand their needs if we ourselves are homogenous?


    How would we bring innovative ideas to modern day banking when we ignore the talents (and the needs) of half of our demographics?


    ‘The Other 50’ is a new Rhetoriq series – featuring amazing women in fintech and finance. We want to look beyond gender – and inspire our listeners with their work and their life stories. Each of us is unique – and we all have a role to play. Together – all genders – we can create a better and more inclusive society for all.


    Let’s give voice to those who aren’t always heard. Let’s invite more people to the dinner table.


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

    Judge me by my cover: The New Dark Web Oct 01, 2019

    All around us, examples of artificial intelligence and algorithms are not hard to find. Our homes and smartphones are equipped with personal assistants such as Alexa and Siri, listening in to our conversations and learning our habits. Our consumption of all things digital, from music to news and merchandise, are increasingly being analyzed and shaped by algorithms. Some schools have even begun experimenting with personalized learning systems.


    From warehouses to call centers, such emerging technology is helping us become more efficient. But have we stopped for a moment and wonder, what do we want technology to do for us in the future? What kind of world do we aspire to – as a human race? Are recommendation engines creating unintended siloes, making our society more polarized?


    In this episode of Judge Me By My Cover, Theodora Lau and Bradley Leimer talk about “The New Dark Age”, a book by James Bridle on the dark side of technology. Just as every technology advancement can be used for good or evil, it is up to us to decide what to do with it. As citizens of the world, we must hold leaders and those with immense power accountable for their actions, so that technology and data can be used for good, and for improving the wellbeing of all. Because our future should be one where we are not afraid to share our thoughts, where we are not afraid to dream.


    Listen in to hear more from Theo and Brad about using technology for good – to create an equitable society for all.


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

    Red Envelope: Building Blocks of Prosperity Sep 24, 2019

    Everyone should have equal access to the building blocks of prosperity. We must strive to create more opportunities for people to truly thrive, to create an environment without economically induced fears or setbacks. Simply being included in the formal banking system will never be enough. Being fully embraced by the full arsenal of services provided by the financial system is what is required.


    But gaining that access is uneven at best, and geared toward the very wealthy at worst. Think back to when you were born, and more specifically where you were born. On our planet, there are seven and a half billion people. Everybody has a different journey, a different choose your own adventure if you will, yet one whose starting point no one gets to choose.


    This is why we must strive to make banking better. In this episode Bradley Leimer talks with Kosta Peric, Deputy Director, Financial Services for the Poor at the Bill and Melinda Gates Foundation about his background at SWIFT and Innotribe, and the Gates Foundation’s new open source payments platform, Mojaloop, and the different ways they are focused on meeting the financial services needs of the poor.


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

    Red Envelope: The Startup Ecosystem in Hong Kong Sep 17, 2019

    Hong Kong’s startup ecosystem is one of the fastest growing in the world with over 3000 startups. It has a diverse mix of sectors, from fintech and ecommerce to advertising, software, and B2B, as well as a diverse mix of entrepreneurs, with 45 percent of them identifying as female and 35 percent of founders from overseas.


    The Greater Bay Area initiative, with the goal of developing an ecosystem to rival that in San Francisco and New York, is also significant. With 70 million people between the regions of Guangdong, Hong Kong, and Macau, that combined population is more than the whole of the UK and twice that of Canada, and accounts for 12 percent of China’s GDP.


    In today's episode of Red Envelope, Theodora Lau talks to Karena Belin, CEO and Co-Founder of WHub. They talk about the hot trends in HK innovation ecosystem. HK has had several key headline grabbing updates off late (pun intended).


    The Faster Payments System (FPS) launched by the Hong Kong Monetary Authority (HKMA) marks a significant milestone in payments. AngelHub launched Hong Kong's first regulated startup investment platform for professional investors to invest in vetted startups from around the world. And we have seen the big Chinese Fintechs get virtual banking licenses from the HKMA.


    These and more updates from HK - Listen in!!


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

    Red Envelope: Lessons from the Land of the Rising Sun Sep 10, 2019

    Japan is known as the most ultra-aged society globally, where one in four Japanese citizens are 65 or older. This fact, combined with healthy lifestyles and one of the world’s longest life expectancies, means that Japan must rapidly address longevity-related challenges alongside providing some unique lessons for our global society.


    In this episode of Red Envelope, Theodora Lau and Bradley Leimer bring you thoughts from the FINSUM event in Japan. The conference covered a variety of topics from the future of payments, fintech innovation, and the evolving world of financial services covering more specifically the impact of big technology firms, artificial intelligence and ethics, the role of data, and much more.


    Theo and Brad discuss the opportunities for Fintech in Japan - where ageing is a critical social factor. Japan is the only country in the world with a national public holiday called Respect for the Aged Day, or Keiro no Hi — to honor the country’s aging citizens. Japan’s public and private sectors embrace this societal zeitgeist by working diligently to address the needs of its aging population through technology, innovation, policy, and structural changes.


    Brad discusses his work in Japan with Accenture as part of an economic development mission designed to help the Tokyo Metropolitan Government promote its growing tech and fintech ecosystem and became an Ambassador for Invest Tokyo.


    Listen in for more insights from Theo and Brad about the third largest economy in the world.


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

    The Object of Desire Sep 03, 2019

    When apple announced their iPad, there was a discussion on how different it was from a laptop. It was indeed differentiated, and one major research identified that, accessing a large screen device at a simple press of a button is a major difference.


    This episode of Rhetoriq is slightly different, where Theodora Lau and Bradley Leimer talk about the apple card. The launch of the Apple Card has caused quite a stir – amongst the Apple loyalists and naysayers alike. The loyalists marvel at the ease of activation and digital issuance. The naysayers criticize it as not being “revolutionary” – that there is nothing new nor extraordinary about it.


    Some mocked Apple for even coming up with a card at all – seemingly forgetting that not merchant has the ability to accept Apple Pay. However, the user experience is now controlled by the handset operating system, i.e., Apple and Android, enabling new suites of applications and industries from digital health to personal financial management tools; from on-demand services to social media. With a click of a button, we are instantly connected to our friends and colleagues across the world; we have access to information 24x7 right at our finger tips; and we can get what we want, when we want it, right at our doorstep.


    With 100 Million customers who can be termed as a "quick win", apple could easily get a massive market share in the US in quick time. The Apple Card (and Marcus) could also borrow the playbook from a few FinTech startups today – from providing virtual card numbers for online shopping, or learning users behavior and automatically applying various rewards and incentives, to helping reduce subscription charges that we have signed up for and forgotten.


    This is just a beginning of infinite possibilities for Apple in the Fintech space. Listen in for more detailed insights from Brad and Theo.


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

    Red Envelope: India's Regulatory Landscape, a deep dive Aug 27, 2019

    Can regulatory policies make or break an innovation ecosystem? And how equipped are the research capabilities of regulators in large economies, to make some of those policies? Fintech has been a field where regulators have had a major effect on growth and maturity of innovative business models.


    In this episode of Red envelope, Nidhi Prabhu from Mumbai, joins Arun Krishnakumar and Theodora Lau. Nidhi started her career in the academia, moved into India's Central Bank (RBI), and then into Medici's research. In a career that spans across academia, policy making, research and Fintech innovation, she has seen policies make or break business models in India.


    Fintech startups have matured from novelty to niche and moved toward becoming considerable contenders by entering the mainstream in every major market around the world. Emerging markets, like China and India, have led the way as companies such as Alibaba, Tencent, and Paytm are flourishing.


    Various initiatives have been undertaken by the government and regulators to create a favorable environment for fintech innovation as the country continues to push for progress. According to Nidhi Prabhu, however, more proactive regulatory policies will still be needed by the RBI, for example, to provide guidance and enforce the true spirit behind open banking.


    Unlike Singapore with a single regulator, the MAS (Monetary Authority of Singapore), there are several regulatory bodies at play in India, including the Reserve Bank of India (RBI), Securities and Exchanges Board of India (SEBI), Insurance Regulatory and Development Agency (IRDA) and Provident Fund Regulatory and Development Agency (PFRDA). Challenges of this multi-regulator environment notwithstanding, India is fast becoming an essential hub for international banks.


    Listen in for first hand insights from Nidhi on regulatory policies and innovation.


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

    Red Envelope: Voice goes last mile in India Aug 19, 2019

    We hosted Dave Isbitski, the Chief Voice evangelist at Amazon eight months ago. During the discussion, we asked Dave if Amazon was planning to focus on vernacular in Asia - particularly India. He mentioned it is a tough engineering problem to solve, and Amazon's focus is to ensure they get the English speaking markets right.


    Voice is the new UI, and in a country like India where a Billion people need assistance to use their phone, vernacular voice assistants become indispensable. Over the years, the technology had challenges penetrating the India market, as a good NLP engine needs a lot of relevant data to be trained. To get the data, the rural population in India need to have internet access.


    In this episode, Sachin Jaiswal the CEO of Niki AI joins Arun Krishnakumar. Sachin and his team at Niki AI have seen the evolution of the rural smartphone user in India. Through a lot of on the ground market research, they have now developed a product, with proprietary technology that serves as a voice assistant for the India market. Niki delivers voice based transactions in four different languages to its customers in India.


    Sachin describes how onboarding of 330 Million people to the internet in less than 3 years has created a leap frog moment in India. Thanks to Reliance Jio, even farmers can use smart phones at the nook and corners of the country. Niki AI have cleverly timed their product for this market.


    No wonder Ratan Tata is an investor in Niki. Listen in for more insights from Niki's Sachin Jaiswal.


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

    Shades of Grey: The Journey towards Social Innovation Aug 13, 2019

    Social isolation affects people both emotionally and physically, and older adults who struggle financially are at an even greater risk of isolation. In the next ten years over 11 million adults will stop driving due to age related impairments. Over 8 million have no smartphone and no experience with new technology. Many of them will be forced to rely on a patchwork of friends, family, community members and caregivers to get around.


    In this episode of Shades of Grey, Theodora Lau talk to Justin Boogaard, the co-founder of GogoGrandparent. Gogo helps families take care of their loved ones from afar. Our first producthelps older adults use on demand services from a phone call: "Press 1 for an Uber to your home." Justin describes the birth of Gogo.


    "Over Christmas my grandmother told me she was afraid of driving at night, and asked for a way to call Uber from her flip phone. GoGoGrandparent was born and she took her first trip to CoCo's Diner. She ordered a stack of buttermilk pancakes and extra crispy bacon."


    GoGoGrandparent is one of the very few startups that sees the opportunity to do well while doing good. They aim to solve the transportation needs of older adults by connecting seniors to ride sharing services such as Lyft, and providing personalized services that give the caregivers a peace of mind. In the long run, they also aim to expand into meals, groceries, and medicine delivery, on a virtual caregiving platform, that enables older adults to live independently longer.


    Listen in to Justin and Theo discussing how we can address our social responsibility to take care of our aging families.


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

    Judge Me By My Cover: Your Voice Matters Aug 06, 2019

    How innovative and interesting would we be if we all think and talk alike? How would our actions and assumptions ever be challenged if we thought all the same?


    Diversity is more than gender - although that might be the one point of difference most talked about today. Diversity is also about age, ethnicity, socioeconomic backgrounds, beliefs, diversity of thoughts, and beyond. It is more than just placing a “token” diverse member in your team - and it’s not about numbers and quotas.


    In this episode of Judge me by my cover, Bradley Leimer joins Theodora Lau discuss the topic of diversity in innovation. The tech world have been notoriously poor in creating an environment where people from different backgrounds come together and contribute to the workplace. Less than 2% of Venture capital was allocated to women only founding teams in 2018.


    But diversity is not just about the workplace or gender. It is also about how we address social issues. How many fintechs startups do you know of that are innovating for the 115 million older adults and their circles of care?


    None of us are born biased. And neither is our technology - it does not , or should not, care about how old we are, what gender or ethnicity we belong to, or where we were born. Our upbringing and our life experiences shape our view - of how the world is, and how it should be. That in turn, shape the solutions that we create and the challenges we choose to tackle.


    Listen in to Brad and Theo in yet another crazily engaging conversation.


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

    Red Envelope: From the C-Suite to Venture Capital Jul 29, 2019

    Over the past few years, we have seen several senior execs in banks move into the startup/fintech community. Many made the transition from wall street to silicon valley. That journey is certainly not an easy one, especially when one serves at the highest levels in financial institutions before making that jump. Very few have managed it with the grace and success like Banesh Prabhu - our guest for this week.


    Banesh Prabhu is the ex-global COO/CTO of Citigroup Consumer Bank International. He spent over 22 years at Citiwhere he rose to the C-Suite as the Chief Technology and Chief Operating office across 55 countries covering 80 Million customers. He was part of Citi's information technology leadership council and planning group through the period.


    Arun Krishnakumar and Banesh discuss Fintech and innovation trends in India and the UK, and see how they compare to each other. The opportunities that new business models in emerging markets have created for Fintech and how/if the West can learn from it.


    Banesh has a stellar track record as an investor and he has had significant tech exits, with iFlex and Aurion Pro. He also serves as a senior advisor to BCG, and now he is a partner at Green Shores Capital. So the discussion touches upon opportunities for investment in the UK and in India, and what areas Green Shores Capital is focusing on.


    Listen in for more insights on how a C-Suite leader has transitioned into a highly successful Venture capital Investor


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

    Red Envelope: Hongkong bustling with Innovation Jul 22, 2019

    “Innovation will continue to be a driving force in Asia as fintechs and banks both develop new platforms services for the increasingly connected consumers in Asia.”


    Asia has long been bustling with innovation - with Singapore and Hong Kong competing for financial supremacy for many years - the verdict on who got their nose ahead is still out there.


    In this episode of Red Envelope, we have Medhy Souidi, the Head of FinTech at DBS bank joining Arun Krishnakumar and Theodora Lau. Medhy is originally from Europe, and has been very involved in the innovation ecosystem in Hongkong. He is well connected in the Fintech and Blockchain space in HK, and has seen it evolve over the past few years.


    Medhy talks about his involvement in DBS' innovation initiatives. DBS was named the “World’s Best Bank” by Euromoney magazine and it has its own digital initiatives and is considered one of the most innovative banks in the region. DBS also has the the Startup Xchange program, launched in Hong Kong and Singapore, brings in startups to co-create solutions that address specific business challenges in focus areas such as AI (artificial Intelligence), Machine Learning, Big Data, and RegTech.


    So what lies ahead for Asia Innovation? Listen in to hear our thoughts.


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

    Red Envelope: Food on the Chain Jul 16, 2019

    Several emerging economies have most of their population depending on Agriculture for their livelihoods. However, across the world, loss of food in the supply chain is still a major issue. Over $270 Billion worth of food supplies across the world could be saved by using technology. The other challenge with the food supply chain is that in most economies, farmers are often exploited by the other parties in the food supply chain.


    In this episode of Rhetoriq's Red Envelope, we have Genevieve Leveille joining Arun Krishnakumar and Theodora Lau. Genevieve is the CEO of Agriledger, that is focused on delivering an efficient and transparent food supply chain to major emerging markets of the world. Agriledger are using Blockchain technologies to not just bring transparency, but also keep the ownership of the food with the farmers as much as possible.


    Genevieve is also a known figure in the Blockchain industry and travels the world as an ambassador for the Agritech community. She shares her experiences in working with China, and the cultural and on the ground differences in doing business there.


    Listen into Genevieve's vision for the food industry, and the projects she is working on across the world.


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

    Red Envelope: Lending is Easy, Responsible Lending is Hard Jul 08, 2019

    With Great Power come Great Responsibility. Especially when a business is dealing with a market with 1.3 billion people. The country has made massive strives towards financial inclusion: According to the Global Findex Database, over 80 percent of the adult population now has bank accounts. A series of efforts has helped drive such progress, including Aadhaar, a verifiable 12-digit identification number issued by UIDAI to all residents of India. The Aadhaar identity platform is one of the key pillars of the ‘Digital India,’ and the Aadhaar program is now the largest biometrics based identification system in the world.


    In this episode of Rhetoriq's "Red Envelope", a series focused on innovation in Asia, Theodora Lau and Arun Krishnakumar talk to Lizzie Chapman, the CEO of Zestmoney. It is a B2B2C fintech company that extends consumer credit through merchants using a proprietary AI-based machine learning decision engine, leveraging data points from the consumers’ digital footprint. The solution provides dynamic credit limit based on affordability, and it is tailored for households instead of individuals - taking into account the social dynamics and needs of the Indian market. It is this kind of solution which makes Indian fintech stand out.


    Along with a progressive government, consumers in India are tech savvy and fast adopters of digital technologies. Mobile penetration is expected to reach 90% by 2020, which will help drive further adoption of fintech tools, increasing the potential to uplift local communities via entrepreneurship and new job opportunities.


    There is an untapped market for consumers who don’t have a credit card or other formal financing options. This includes the need for affordable solutions to help consumers “buy now, pay later” and help build long term credit. Zestmoney also educates consumers about their credit score through its platform - so that they can better maintain a long-term financial relationship rather than being penalized for being consistently transactional alone.


    Hear from Lizzie on how good the ecosystem in India is for Fintech startups.


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

    Judge me by my cover: A future beyond algorithms Jul 01, 2019

    In a world of algorithms and hashtags, true human connectivity is too often replaced by clicks. Our interactions and conversations are interrupted by digital notifications that long for our attention. Phone calls are replaced by messages on our friends’ digital walls and feeds; face-to-face coffee breaks yield to likes and retweets.


    In this episode of our podcast, Theodora Lau and Bradley Leimer continue the discussion about China, advancements of data analytics, and exchange of value in a data economy. With GDPR and the recent backlash against Facebook related to data privacy, businesses that rely on "You are the product" models may have to reconsider their strategy. In a world where every single action and conversation that a customer has, is being tracked, it is critical that they realise the importance of data protection.


    How often are we looking up, instead of looking down – at our phones, our laptops, our feeds? What happens to our dreams when technology envelopes all of our time? How much can we really enjoy the moment and be one with our surroundings when we are busy snapping photos for Instagram? Just observe how eager a little child tries to get their parents’ phone - the very device that competes for their parents’ focus.


    Listen in to hear more from Theo and Brad on data sharing and privacy and the importance of human touch.


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

    Judge me by my cover: East Leapfrogs the West Jun 24, 2019

    According to CB Insights, there are 41 fintech unicorns valued in aggregate at US $154.1 billion. This includes 25 US-based startups, 8 based in Asian, and the remaining 8 split between Europe, Australia, and South America. Chinese big tech giants including Alibaba, Tencent, JD.com, and Baidu are regarded to be highly innovative and successful companies. So what drives innovation success in China?


    In this episode of Judge me by my cover, Richard Turrin joins Arun Krishnakumar and Theodora Lau. Richard is the author of No. 1 international best seller “Innovation Lab Excellence,” and lives in Shanghai, China. He is a Fintech expert with over 20 years of experience in leveraging new technology to drive revenue growth for market-leading companies.


    In this episode, Richard shares his journeys from AIG in the US, to his career in Australia, South East Asia and China. He witnessed the express growth of cashless payments in China. We discuss how the Chinese techfins are stealthily expanding globally through investments and acquisitions.


    We discuss Richard's recent bestselling book on Innovation labs and what inspired him to write the book. Richard shares some of the key takeaways from his book, and gives us a sneak peak of his second book on China.


    Listen in for more insights from Richard Turrin.


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

    Red Envelope: Inequality is not Inevitable Jun 18, 2019

    In the first three months of 2019, VC-backed fintech companies raised US $6.3 billion across 445 deals globally. Challenger banks continue to spread globally, with N26 (a newly minted unicorn) and Monzo both imminently launching in the U.S.


    In this episode of the Red Envelope focused on Asia Innovation, Theodora Lau and Bradley Leimer host Daniel Murphy and Jackson Meuller from the Milken Institute. The Milken Institute is a nonprofit, nonpartisan think tank that helps people build meaningful lives, in which they can experience health and well-being, pursue effective education and gainful employment, and access the resources required to create ever-expanding opportunities for themselves and their broader communities.


    The discussion touches upon opportunities in Asia, Financial Inclusion and the influence of BAT in the Asian innovation ecosystem. Hong Kong, one of the top five financial centers in the world with 159 banks (including 70 of the world’s 100 top banks) also joined in the open banking efforts with earnest. Recently, the Hong Kong Monetary Authority (HKMA) has granted eight virtual banking licenses to a mix of big tech and incumbents: Ant SME, Insight FinTech, Infinium, Livi VB, SC Digital, Pingan One Connect, WebLab, and Zhong An Virtual Finance.


    Whether Alibaba and Tencent could extend their success outside of China, or whether big tech such as Amazon will succeed in disrupting the financial services industry will likely be more a question of political tug-of-war – rather than a technical one. Inequality is not inevitable. We must learn how to cultivate the best ideas from every part of the globe to ensure that ideas don't die, but flourish by turning those ideas into action.


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

    Red Envelope: Good Force for Social Impact Jun 11, 2019

    According to the State of the Global Islamic Economy Report, the Islamic Finance sector is fast becoming a force to be reckoned with, especially in the Islamic financial hubs of the GCC, Malaysia and London, along with formidable new players such as Indonesia and Pakistan. The Islamic finance industry is forecasted to grow by 7.7 percent CAGR to reach US $3.8 trillion by 2023.


    With 1.8 billion Muslims across 58 Muslim-majority countries of the world (approximately one-quarter of entire population), what are the challenges and opportunities in these markets?


    In this new podcast episode of Red Envelope, Rafi-uddin Shikoh joins Arun Krishnakumar and Theodora Lau for an inspirational discussion of the momentum of the Islamic economy, its global ethical impact, and what the future holds. Rafi has spent the last few years in marketing strategy, e-business strategy, and technology management experience with small to Fortune 500 ranked companies. He had been a Vice President with Marsh Inc, a global risk-brokerage firm, where he led and successfully delivered multi-million dollar knowledge management.


    Rafi stuck gold when he started Dinar Standard, a research company focused on Islamic finance. The firm has since grown from strength to strength, and has become a global standard in Islamic finance research. Rafi shares his journeys that led to him starting the firm, and provides insights on the global shariah market.


    Listen in for more from the discussion with Rafi.


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

    Judge Me By My Cover: Fintech's True Lover Jun 03, 2019

    If the US is where technology innovation was born, Europe is where it is regulated best, and Asia (led by China) is where it reaches the masses and creates impact at scale. Digital innovation makes the time to market for financial services shorter than they have ever been in the past. China has created new fundamental lifestyle business models and have integrated Fintech services into them. They have rethought these business models from first principles to achieve large scale financial inclusion.


    In this episode Paolo Sironi joins Theodora Lau and Arun Krishnakumar for an exciting discussion on Financial Services, Digital innovation, regulations and Global Fintech landscapes. Paolo is an elected member of IBM Industry Academy, Watson Financial Services and represent IBM worldwide. He advises C-level financial institutions and mentor entrepreneurs on a host of issues related to business model transformation in the age of digital banking.


    He is a Global thought leader in the Fintech space, and has written four books in Financial Services and Fintech. His fourth and latest book, Financial Markets Transparency, explores the biological underpinnings of financial markets and explores how to bolster the global economy’s immune system in today’s volatile times.


    From the $40 Trillion payments market in China, to several business model innovations that are creating ripples across the Fintech industry. Listen into hear from one of the world renowned leaders in the industry, Paolo Sironi


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

    Red Envelope: Ethis Crowd and Islamic Fintech May 28, 2019

    Sharia-compliant banking assets make up 6% of the world’s banking assets. With Muslims accounting for a quarter of the world’s population and 80% of Muslims are not financially included , there are considerable opportunities to explore.


    The industry is projected to grow at 7.7% CAGR to reach $3.8 trillion in 2022. Interestingly, Sharia-compliant retail banks have been attracting quite a following from non-Muslims as well. 55 percent of all UK's Al Rayan’s new customers since 2014 and 90 percent of its fixed-term deposit customers last year were non-Muslim. Maybank Islamic, Malaysia’s largest high street bank that offers both Shariah-compliant and conventional accounts, reported having "close to half” and almost two-thirds of their affluent customers as non-Muslim.


    In today's episode of Red Envelope, we have Umar Munshi joining Arun Krishnakumar and Theodora Lau. Umar is the Co-Founder of Ethis Ventures and a Managing Director at Ethis Crowd. Both firms focus on Islamic Finance/Fintech businesses in South East Asia - one of the largest Shariah Finance markets in the world.


    Umar shares with us his journeys from being a humble salesman in a healthcare business, to an Islamic Fintech Influencer and thought leader. The discussion covers opportunities in South East Asia for businesses focusing on sustainable innovation. Thanks to the huge consumer base, Malaysia and Indonesia are Asia's hub for Shariah finance. Umar discusses his plans for global expansion and his thoughts on the European and the UK market in particular.


    Listen in for more information from Asia's hub of Islamic fintech.


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

    Red Envelope: From Lahore with Love May 20, 2019

    When we think about fintech development in the East, our attention will likely go towards China, India, and southeast Asia (ASEAN) regions. But what about the rest of the Asian countries, such as Pakistan? Where do the opportunities lie in these emerging markets?


    In this episode of Red Envelope, a podcast series focused on innovation in Asia, Arun Krishnakumar and Theodora Lau talk to Rabeel Warraich, the first VC from Pakistan. Rabeel is an Oxford and MIT alum, and after identifying the immense opportunity that Pakistani ecosystem offered for seed and early stage startups, he moved to his home turf.


    In this episode, Rabeel provides his views on how Pakistan is positioned to make the most of its "lack of legacy". Pakistan is a greenfield project for Fintech and offers a consumer base of 200 Million people. The Pakistani government recently presented its National Financial Inclusion Strategy through a five-year plan that focuses on the enhancing the use of digital payments, deposit base, promotion of SMEs and agricultural finance, and Islamic banking. The opportunities are immense.


    Rabeel also highlights the similarities that the Pakistani ecosystem shares with India, Indonesia and Malaysia. Perhaps Ant Financial’s foray into Pakistan through its $184.5 million investment in Telenor Bank will serve to help the country transition into a new era of cashless payments, lower the cost of financial services, and stimulate the digital ecosystem.


    To understand more about opportunities in Pakistan, listen into this episode of Rhetoriq's podcast.


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

    Judge Me By My Cover: The Toothfairy and the Future of Banking May 13, 2019

    Theo: If we were to go cashless, the tooth fairy would not be able to give you money anymore.

    Theo's Kiddo: Well, the tooth fairy could always put money in a prepaid card.


    The world is definitely ramping up to go cashless.


    As technology continues to reduce friction, banking will become more embedded in our day-to-day life. A bank as we know it might look very different than what it does today – and we may no longer need a physical branch to service most of our needs. Recent market entries such as T-

    Mobile Money illustrates this point: a telecom wireless provider leveraging technology to enable consumers to conduct financial transactions. But this is just the beginning.


    In this episode of Judge me by my Cover, Theodora Lau and Arun Krishnakumar talk to Brett King, an international best selling author, futurist and the Founder and Chairman at Moven. Brett shares his views on the future of banking, how China is leading the world in Fintech with 22 Trillion of digital payments done vs 10+ Billion in the west, and what his next book is focused on. In his book he writes,


    “The bank account you have today will have long disappeared in favor of something that’s a lot smarter and a lot better for your day-to-day use of money, saving for the future and providing for your family.”


    However digitisation and going cashless may not be the green shores we dream of. We may be becoming exclusionary in the name of digital and the debate around cash has been heating up lately. The city of Philadelphia and the state of New Jersey have recently passed bills that

    ban stores from going cashless, arguing that the concept marginalize consumers who are unbanked and don’t have access to credit, including low income and immigrants. Amazon just opened its first Amazon Go store in New York City, accepting cash.


    While banking is starting to be omnipresent, cash may linger in its current state for longer than we think. Listen in for more insights.


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

    Red Envelope: The Pearl of Orient May 06, 2019

    This is the first episode of our new series focused on Innovation in Asia - Red Envelope. Asia has proven to be a hotbed for Fintech innovation, where the consumer base, mobile penetration and lack of legacy have given way to leap frog moments.


    In this episode, Theodora Lau and Arun Krishnakumar talk to Charles D'Haussy about the Hongkong ecosystem. Charles is the Director Strategic Initiatives at ConsenSys, and previous to that Head of Fintech at Invest Hongkong.


    Hong Kong, also known as the “Peal of Orient”, is home to 7.4 million people from countries around the world. It consists of Hong Kong Island, Kowloon peninsula (which borders mainland China), and many smaller islands, with total footprint less than Manhattan. It is a land of dream, hope, and resilience. It is also a city filled with people who believe that hard work will bring them a prosperous future, who continue to re-invent themselves despite all odds.


    Hong Kong is also the third most attractive financial center globally and best in Asia according to the Global Financial Centers Index (GFCI), with 159 banks (and 70 of the world’s 100 top banks) and 160 authorized insurers. The territory has seen strong growth in fintech startups in the past two years, especially in the areas of wealthtech and blockchain. This is largely due to an open economy, strong support by the Hong Kong Government, and favorable tax system. It is the link between the East and the West, a landing pad for fintech companies eyeing opportunities in Asia, and a launch pad for Chinese mainland fintech companies expanding abroad.


    Listen in for Charles' views on Hongkong, China and the Fintech boom in the region that has become a case study for the world to learn from.


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

    Judge Me by My Cover: The 100 Year Life Apr 30, 2019

    As much as 85% of jobs that will be available in 2030 do not exist yet for today’s graduates – it is never too late to disrupt ourselves. 50 is indeed becoming the new 30. Soon, we will have five generations working alongside each other. Not only “when” or “how long” we are working has changed, “how” we are earning a living has changed as well.


    Given this new paradigm, is retirement still relevant? Or should we retire the traditional notion of retirement, and re-think how we should manage and grow our savings?


    In this episode of Judge Me by My Cover, Arun Krishnakumar and Theodora Lau, talk to Professor Andrew Scott, author of the best seller "100 Year Life". Andrew is a Professor of Economics and also served as a Dean at the London Business School. He is also the co-founder of the "Longevity Forum".


    Andrew provides his views on the society where people are segmented by the stage of life they are into, rather than the age. With more years to live, the kind of assets we'll have to build through different stages of life also look pretty different.


    While ageing is universal, how we age is not homogeneous – and we can no longer segment individuals and their needs by age. A 50-year old today is vastly different than a 50-year old twenty years ago. A 50-year old in China is also different than a 50-year old in Europe or the U.S.. Their financial needs, aspirations, and obligations are also likely different.


    Listen in to hear views from Andrew, Arun and Theo on this week's Rhetoriq podcast.


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

    Judge me by my Cover: Irish Food for the Soul Apr 22, 2019

    If books are food for the soul – bookstores and libraries are great halls for feast. Reading not only helps us gain new perspectives and expand our horizon, it also helps us take a break from our ever-connected digital lives – where information is constantly being pushed to us. Books allow us the luxury of immersing ourselves in moments that go as far as our minds would wander – and travel abroad without the physical burden of a voyage. As J.K. Rowling said: “If you don’t like to read, you haven’t found the right book.”


    This week, we have the pleasure of hosting Simon Cocking from Irish Tech News. Theodora Lau and Arun Krishnakumar discuss several aspects of the publication and Simon's favourite books in this episode. Simon commands a global following within the Blockchain industry, and is considered one of the top advisers in this space. He also had a few thoughts on what went wrong with the industry, and what needs to be done to get it back on track.


    Simon shares his journeys at the Irish tech news, effects of Brexit on the Irish tech community, and the rise of emergence markets and its effect on readership at Irish tech news.


    We hope that you will enjoy our conversations with book lovers and accomplished authors on FinTech, Innovation, Longevity, Technology, and more.


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

    Judge me by my Cover: The Future of Banking Apr 15, 2019

    In a world where Chinese citizens with Chinese bank accounts can conduct their whole life on Alipay and WeChat super apps while outsiders pay cash; where 47% of American consumers are still writing checks; where people in Africa can pay and obtain microloans on their mobile phones in an instant – the answer to the age-old question to the promised land: “Are we there yet?” is unfortunately “No, not yet.”


    In this opening episode of our next series "Judge me by my cover", Theodora Lau and Bradley Leimer talk to Chris Skinner, author of the book Digital Human. As Chris Skinner wrote in his book “The new world is one of transient relationships, shorter-term commitments and everything online all the time. However, the financial system is built for lifetime relationships, long-term engagement, and everything over the counter.”


    If the industry is to thrive in a new environment with competition from global technology firms, we must leverage the scale and trust of incumbent banks, agility and focus of fintech startups. Until recently, a consumer's financial data was centrally held within their financial institution. But this too has started to change with the implementation of various Open Banking initiatives that have evolved through the past decade and launched within recent years across the globe.


    Listen in for insights on future of banking from three Fintech gurus, Theo, Brad and Chris.


    Join us at Money20/20 Europe this June in Amsterdam, as we dive further into the game-changing stories and trends, driving forward the global Financial Services, Payments and FinTech community. Find out more about the Money20/20 Agenda and Stories by clicking on the links below.


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

    Shades of Grey: Stage not Age Apr 09, 2019

    New US CEOs are now averaging 58 years old, and 62 as the average age of the top performing CEOs in the world, the companies they run spend 500% more to attract millennial customers.
    In this episode of Shades of Grey, Arun Krishnakumar and Theodora Lau are joined by Bradley Schurman and Lilian Myers, the Co-Founders of EconomyFour. EconomyFour helps companies, policymakers, and people understand and fulfill the promise of a 100 year life.
    Thanks to advancement in healthcare, we are in an ageing world. Global demographic shift continues to strain governments and health services facing more people in post-retirement entitlement programs than in the tax-paying workforce. Yet a fast-moving change is underway as vital, vibrant individuals passing the half-way mark in a 100-year-life see themselves, not ‘retreating’ form economic engagement, but running hard in it. And they will control US$15T in global spending power by 2020.
    Brad and Lilian highlight the challenges and opportunities for businesses to innovate around the ageing population. Lilian says "For me it's coming back to normal", referring to her transition back into the startup world with Economy Four, and Brad says "Inclusion at the end of the day is the No 1 goal".
    Listen in for more insights from Brad, Lilian, Arun and Theo on the opportunities in an ageing world.

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

    Shades of Grey: Mobility for Everyone Everywhere Apr 01, 2019

    Beyond companionship, another challenge facing older population is the loss of mobility and the ability to drive. A few years ago, Justin Boogaard started GoGoGrandparent to help older adults maintain their independence by accessing on-demand services like Uber & Lyft without a smart phone. As with many entrepreneurs in the longevity ecosystem, Justin started his journey with a personal story – of the need for an accessibility solution for his grandmother.
    Srin Madipalli, our guest in this Shades of Grey episode, started Accomable (acquired by Airbnb in 2017) to solve a personal challenge, and to raise the profile on the needs of the disabled. Arun Krishnakumar describes how he passed on Srin's funding request, only to find them acquired by Airbnb in a year's time.
    Theo, Arun and Srin discuss the reasons behind the founding of Accomable, the growth that it saw in the market, and how the acquisition came about. Srin is now a global ambassador for Airbnb, and travels the world shouting out the need for mobility.
    To be successful in today’s diverse society, accessibility cannot be an after thought. People with disabilities and physical ailments, or those who are illiterate, now have the means to obtain information, control smart home appliances, and engage with others outside their homes. The ability to bridge physical distance, or navigate the world via the digital highway – using one’s voice is simply empowering.

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

    Shades of Grey: For Humans By Humans Mar 26, 2019

    Thanks to the relentless work and advocacy from many men and women, gone are the days when banks required a woman applying for credit to have her husband co-sign, or when companies could legally fire women for being pregnant. However, as a society, we still have ways to go to get to any sense of 50/50 equality.
    In this episode of Shades of Grey, Arunkumar Krishna Kumar and Theodora Lau talk to Ramya Joseph - the CEO and Founder at PEFin. Ramya has made the transition from Proprietary trading at Goldman Sachs to founding the world's first AI based financial advisor.
    As we continue the digital journey, algorithms are increasingly instrumental in determining societal outcomes. It is more imperative that ever that our tech teams, in banking, technology, healthcare, and beyond, include a mix of people with different life experiences and backgrounds, to spot when biases might skew the outcomes, whether by unconscious or thoughtless omissions.
    After all, “AI is created by humans, for humans,” as beautifully articulated by Ramya Joseph, CEO and Founder at Pefin. Listen in for more insights from Ramya.

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

    Shades of Grey: Tech Women - Mind the Gap Mar 19, 2019

    Despite increased awareness of gender equity issues, and commitment by various executives and industry leaders, progress towards equality appeared to have stalled. Is it really a lifestyle choice, or is it born out of necessity (i.e. constraints), perhaps due to lack of affordable childcare, flexible work arrangements, and outdated cultural norms that women should bear the primary caregiving responsibilities – of children and older parents?
    In this episode of Shades of Grey, Theodora Lau and Arunkumar Krishnakumar speak with Catherine Flax, CEO of PEFin. Catherine made her transition to the startup world after several successful years at Wall Street. The discussion focuses on her transition from Wall street to the start up world, and the take aways from there.
    The conversation then moves into the Venture capital industry and the biases that a woman founder faces. Unless women are being appointed into the senior roles (in banking, VC, and tech alike), no substantial changes will occur. And it’s not just about helping women getting into the corner offices either; to achieve sustainable success will require cultural and policy changes to support working parents.
    Deloitte, for example, is introducing a new policy that allows parents to take 18 weeks of parental leave over 36 months – recognizing that parenting is not something that happens for only 12 months. Listen in for more insights.

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

    Shades of Grey: The Conscientious Banker Mar 12, 2019

    What happens if the world actually runs out of people? While you may not fully subscribe to this point of view, we all need to start paying much more attention to the needs of its fastest growing segment of our global population: those households that are over the age of 50. As aging itself is far from homogeneous, the solutions we create today to serve the needs of our aging population will determine our future quality of life. Our very future is at stake.
    In this episode of Shades of Grey, Theodora Lau and Arun Krishnakumar talk to Bradley Leimer, Co-Founder at Unconventional Ventures. Brad shares insights from his travels in Asia and compares the innovation of the West to that emerging from the East. The discussion moves on to what the challenges and opportunities are in an Ageing world, especially in countries like Japan and Italy.
    The challenge of east vs west in regard to opportunities for financial services is one of scale, from physical health to financial wellness. Technologies such as automation and robotics ensure activities of daily living are accomplished more efficiently. Voice technology and mobility solutions through autonomous vehicles and transit systems help to keep aging societies connected and active. We must remember that the eighty-year-old of today was not the same eighty-year-old of fifty years ago nor fifty years in the future.
    Listen into the episode for more insights.

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

    Shades of Grey: The Value of Care Mar 05, 2019

    As we live longer and the cost of healthcare increases, where would we turn to for support? For many, that responsibility falls largely on their family members. More often than not, these caregivers are those that belong to the sandwiched generation, ones with their own family and children that they are taking care of. In addition to helping with daily chores, many also provide financial support, with monthly contribution averaging $403, according to the latest study by RBC Wealth Management.
    In this episode of Shades of Grey, Theodora Lau and Arun Krishnakumar talk to Evin Ollinger, CEO of Golden. Evin is an executive with high growth track record in startups and Fortune 500 companies. He has led two companies to successful exits namely, DistribuPro and Chronos Software.
    Evin describes his journey to founding Golden, and his vision of the firm. Imagine if your loved ones end up in the emergency room, and you were to take charge of their financial obligations, would you know what bills they have and when they will become due? Do you know where they hold their financial assets or if they have a safety deposit box? And how do we overcome the challenge of living apart – and ensure that our loved ones continue to live independently and with dignity?
    Listen in to hear Evin's views on how Golden solves the challenges around Financial Caregiving.

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

    Shades of Grey: We Are Clearly Impact First Feb 26, 2019

    At the end of 2018, the Impact investing market had grown to $228 Billion. The standard ways of measuring performance of an investment using Risk and Returns is being enriched by another dimension of performance measurement - it's Impact. The three dimensional methodology of measuring the outcome of a business is gaining popularity amongst the younger generation.
    In this episode of Shades of Grey, Arun Krishnakumar and Theodora Lau speak to John Lloyd. John is the Chief Marketing Officer at ClearlySo, Europe’s leading impact investment bank, working exclusively with businesses and funds delivering positive social, ethical, and/or environmental impact as well as financial return.
    John discusses his journey to ClearlySo and how he moved to London from Florida, after an MBA at Columbia. They also discuss the opportunities and trends in impact investing, and the differences between Europe and Americas in this field.
    Listen in for John's insights on impact investing.

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

    Shades of Grey: Financial Fraud Prevention for Seniors Feb 19, 2019

    Fraud detection is complex and the amount of data that needs to be mined and analyzed is massive. AI shows great promise in being able to move from detecting fraud after the fact, to predicting and preventing it before it happens. This will serve to minimize the financial exposure of the older adults, and preserve their dignity.
    In this episode of Shades of Grey, Theodora Lau and Arunkumar Krishnakumar talk to Liz Loewy, Co-Founder and Chief Operating Officer at EverSafe. Eversafe leverages historical financial behavior across different bank accounts to build personal profiles, and analyzes daily transactions to identify anomalies including missing deposits and late bill payments, which can be indicative of potential cognitive decline, and likelihood of falling victim to financial exploitations. Suspicious activity alerts are then sent out to both the older adult and his/her designated “trusted advocates”.
    Liz, Theo and Arun discuss how critical it is to protect the ageing population from financial frauds. The age and the amount of assets held by older adults make them prime targets for financial exploitation: the 50-plus account for thirty percent of the U.S. population, holding over seventy percent of deposit balances. In addition, 10,000 people turn 65 on a daily basis – so much as that by 2030, one in five Americans will be 65 or older.
    Listen in to hear more interesting insights on Fraud prevention in a growing market.

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

    Shades of Grey: Musings of an Impact Investor Feb 12, 2019

    As Ron Shevlin eloquently puts it, “consumers are not looking for a new savings account; they are looking for help to save”.
    Joining us in this episode of Shades of Grey, Sarah Morgenstern, Principal at Omidyar Network. Theodora Lau and Arun Krishnakumar discuss the Impact investment landscape and Sarah's thoughts on investment opportunities focused on longevity.
    Gone are the days where we work in the same full-time corporate job and retire with pensions. Across all generations, more than a quarter of workers in the U.S. are engaging in freelance or short-term work arrangements in some capacity, sometimes with multiple employers. And the number is expected to increase.
    Mary Meeker reported that freelance workforces is growing three times faster (at 8.1%) than the growth of the total workforce (at 2.5%). Financial services must move beyond being deposit gatherers to actively solving the day-to-day financial challenges of consumers, and shepherding them towards a more financially secure future.

    After all, this is what financial services should have been about. Listen in to an exciting chat with lots of insights


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

    Shades of Grey: Inequality of Ageing Feb 05, 2019

    According to AARP, more than 10 million people aged 50 and above live in poverty in the U.S., and more than 37 million are just one life event away from slipping into it. Amongst those who are 65 and older, more than twice as many women as men live in poverty. And the problem is even more acute for African American, Hispanic, and Native Americans.
    In this episode of Shades of Grey, Theodora Lau and Arunkumar Krishnakumar talk to Paolo Narciso, VP AARP Foundation. After 36 years of leading companies in the Education, Financial Services, Technology, and Government sectors to drive rapid revenue growth and scale, Paolo still has so much enthusiasm with a vision to eradicate poverty and inequality.
    To move the needle on poverty will require partnership between private and public sectors, including vehicles to help workers earn a living wage and save more. It will also require a change in mindset, and a substantial increase in financial literacy that must begin at younger age.
    Listen in for insights from Paolo's four decades of experience and his enthusiasm to effect purposeful change.

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

    Shades of Grey: Kindle the human connection with voice Jan 29, 2019

    “When you get to be my age (93), just to hear another person’s voice gets you through the day. I never thought I’d get to see this in my lifetime.”
    When it comes to the next big disruption, voice technology is undoubtedly one of the most
    talked about. And no one is more enthusiastic about this than Dave Isbitski, Chief Evangelist, Alexa at Amazon.
    Theodora Lau and Arun Krishnakumar speak to Dave about how voice is now starting to be the new user interface. According to Dave, voice will be transformative in how we conduct our day-to-day lives. Not only does voice technology allow us to meet people in the moment, it brings generations that were not exposed to technology together – the young and the aged. It provides children with access to information even before they can read or write, and older adults with a digital companion and connection to the outside world. Above all, it provides them a sense of empowerment that they otherwise wouldn’t have had.
    While voice is the new user interface – it is only one of multiple modalities through which we
    communicate. Just as there are different shades of grey, there will be different integration points where voice technology will play an increasingly important role along the various stages of our lives. Although we are far from being able to hold a true conversation with our virtual assistants, the progress we have made to-date has been remarkable. Studies have shown the benefit of smart speaker adoption to combat loneliness and isolation experienced by older adults. And the revolution for voice has just begun.
    Maybe that in itself is a lesson for us all. As I often said, innovation isn’t about making
    incremental changes or shiny new gadgets. The true value of AI and other emerging
    technologies lie in their ability to create new customer value. It is about bringing positive
    changes in the way we live and interact with each other.
    Listen in for all that and more with Dave Isbitski, our special guest for the week

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

    Shades of Grey: Introduction Jan 22, 2019

    Shades of Grey is a podcast about living. This season of Rhetoriq is hosted by Arun Krishnakumar, Theodora Lau and Bradley Leimer.
    It is a collection of stories from a diverse universe of entrepreneurs and thought leaders, using their collective power and intellect to change the narrative of aging. It is a testament that technology and innovation should be inclusive and age-agnostic. It is a call for action – for the society to not to just focus on the short-term gains, but on what can be done for the long-term well-being of all.
    If all aspects of our lives are changing, then why not the way we plan and manage our finances? As innovators, how do we design products with all people in mind as we age – so that we can bring communities and generations closer together? And how do we leverage emerging technologies such as voice, artificial intelligence, and advanced data analytics to create solutions that address the challenges of an aging demographics – where nearly a quarter of all caregivers in the U.S. are millennials?
    The future of aging should not be a story of survival – but one of living

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

    Blockchain and Financial Inclusion: Consensys Ventures and Tachyon Jan 17, 2019

    In this episode of Blockchain and Financial Inclusion, Arun Krishnakumar and Efi Pylarinou talk to Kavita Gupta - Managing Partner at Consensys Ventures. In her role at Consensys, Kavita also manages Tachyon - an incubator programme for Blockchain startups using Ethereum.
    The discussion covers the core areas of focus for Consensys Ventures, and some of the investments they have made in the past, and the overarching thesis they have for their investments.
    Kavita touches upon her views of Blockchain in the emerging markets, and highlights that many firms they have worked with at Consensys ventures and Tachyon are based out of emerging markets, and have tremendous technology potential along with a market to go after.
    Kavita also shares her vision of Blockchain in Governments, and how a Blockchain based tax system could potentially have significant impact in markets such as India. We close the conversation with her views on the cryptocurrency ban in India, and why she felt Blockchain was still a big opportunity in the subcontinent.

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

    Blockchain and Financial Inclusion: Banker to Blockchain Evangelist Jan 10, 2019

    Our special guest for this episode of Blockchain and Financial Inclusion is Sandra Ro, the CEO of Global Blockchain Business Council (GBBC). Sandra, who is ex-banker, with several years of experience on the trading floors of London, became a believer of Blockchain in 2012. She wears several hats in her journey within Blockchain for Social Impact.
    Efi Pylarinou and Arun Krishnakumar discuss several topics with Sandra starting from her involvement in Blockchain for farmers. Sandra explains how the on-the-ground challenges faced by farmers in Africa was an eye opener for her, and provides insights based on hands-on experiences in these markets.
    The discussion touches upon a practical example of how farmers in Senegal benefited from getting their assets on Blockchain. The transparency and trust that the information sitting on a network, allowed them to access further opportunities, globally.
    Sandra discusses the origins of GBBC - in Sir Richard Branson's island in 2016, and how the working model has benefited enterprises and governments across the world. We close off the discussion with the possibilities of Blockchain based alternate ecosystems, when a particular region is excluded from main stream financial services.

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

    Blockchain and Financial Inclusion: Cryptocartoons and Filipinos Jan 03, 2019

    Luis Buenaventura joins us for this episode of Blockchain and Financial Inclusion. Efi Pylarinou and Arun Krishnakumar join Luis, who is the Chief Strategy Officer at Bloom Solutions also an avid Crypto-Cartoonist.
    In this episode, they discuss the "reBittance" market in Asia - particularly Philippines. The term reBittance was coined by Luis years ago. Philippines is one of the biggest markets in the world for remittance with an annual volume of $2.5 Billion.
    Luis highlights the challenges that small ecommerce businesses face in the Philippines due to the lack of payment infrastructure at the end consumer. Through his personal experiences, Luis and Bloom identified a gap that Blockchain could resolve. Initially starting with Bitcoins, Bloom subsequently moved on to Stellar Blockchain.
    Bloom have now managed $100 Million in Remittances in the corridor, and have expansion plans across other remittance corridors. The discussion also covers why in its current state, the remittance market still requires some of the middle men, and how Bloom plan to fit into the ecosystem.
    We close the episode discussing the overarching challenge of Financial Inclusion, and Luis' passion for Crypto Cartoons.

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

    Blockchain and Financial Inclusion: A Latin Tango as a protocol Dec 27, 2018

    In this episode of Blockchain and Financial Inclusion, Eduardo Salazar, Founder of Forctis joins Efi Pylarinou and Arun Krishnakumar.
    Eduardo shares his views on the impact of Blockchain and Cryptocurrency in Latin America. With on the ground experience in the inflation hit continent, Eduardo explains the challenges that businesses and people there face.
    The experience in 2001 when crisis hit Argentina was going through hyper-inflation, was the driver for Eduardo to look at the merits of Blockchain. We discuss the concept of getting assets on to a Blockchain and how a token representing different assets can eventually be used as a medium of transaction.
    The discussion moves on to Stablecoins, and the reasons that Eduardo and his team are looking at it for their platform. That is then followed by the controversial Petra, and what impact it could have on Venzuela's economy - if any.

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

    Blockchain and Financial Inclusion: Green Finance a la Swiss Dec 20, 2018

    In this episode of Blockchain and Financial Inclusion, Christian Heyner, President of 1Bank4All joins Efi Pylarinou and Arun Krishnakumar. Christian has decades of experience in financial services, and has several years of experience in sustainable and green investing.
    Christian discusses the launch of the Green bond, that his team is planning to launch with the Luxembourg exchange. He elaborates on the investment thesis of the bond, and how institutional investors would benefit by participating in the bond offering.
    The discussion moves on to the strategy that Christian's team have for the expansion of 1Bank4All. He also explains how he plans to use Blockchain alongside his core banking capabilities at 1Bank4All.
    He also discusses his plans to providing banking services to the unbanked, and how his business model has been tweaked to serve the bottom of the pyramid.

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

    Blockchain and Financial Inclusion: An Australian Workhour Dec 12, 2018

    How can Blockchain help the global workforce? Sergei Sergienko, CEO of Chronobank joins Efi Pylarinou and Arun Krishnakumar for this episode of Blockchain and Financial Inclusion.
    With his background in the recruitment industry, Sergei and his team at Chronobank, based out of Australia, have created a Blockchain based ecosystem for the workforce. Sergei shares the reasons that inspired him to start Chronobank and why he is convinced Blockchain would help him scale his business globally.
    Sergei explains why he thinks it would be an excellent use case for stable coins, and how the token valuation would be driven in and across different economies. We discuss Chronobank's emerging markets strategy and the reasons on why they are best suited for the developing world.
    We touch upon Universal Basic Income and how/if Chronobank can help drive the concept to reality. We close the discussion with Sergei's plan for Chronobank's launch, and his preferences between the Northern and the Southern Hemisphere.

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

    Blockchain and Financial Inclusion: Mark this one Dec 06, 2018

    AI and Blockchain - the killer combo. Mark Van Rijmenam founder at Datafloq, joins us for an exciting episode discussing trends in AI and Blockchain. Efi and Arun host this episode, where they discuss Mark's explorations across the globe.
    Mark is also a keynote speaker, a global citizen by his own admission, and is the Author of the book "Blockchain: Transforming Your Business and Our World". Mark also talks about his Doctoral research on how AI, Big Data and Blockchain can help businesses.
    The discussion then moves onto Silicon Valley and the monopoly of the big tech giants in the AI space, and how Blockchain is benefiting from hubs such as Crypto Valley, Estonia, and Gibraltar.
    We finally touch upon Mark's travels in Dubai, and how the government in Dubai are trying to evangelise governance using Blockchain, and his thoughts on if Europe can really be the Global hub of Blockchain based innovation.

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

    Blockchain and Financial Inclusion: A Top 10 Digital Frontier Woman Nov 29, 2018

    To regulate or not to regulate? The answer to that, when it comes to Blockchain and Cryptocurrency is pretty clear. The answer is Yes. How soon, how much and by who is not that clear.
    In this episode, Arun and Efi talk to Dr.Jane Thomason, the CEO of Blockchain Quantum Impact. Earlier this year, Jane was named one of the "Top 10 Digital Frontier Women" in the emerging blockchain and digital assets market by the Decade Of Women Collaboratory for her efforts to promote Blockchain for Social Impact
    Jane shares her experience on the projects she is involved in Asia. While the conversation starts to explore Blockchain projects in Asia and their social impact, it soon moves into topics around regulations. Jane was at the OECD Blockchain Policy Forum, earlier this year, and she shares her thoughts on what the mood was around regulating Blockchain.
    Jane highlights the need for Blockchain education amongst public and government organisations, which will eventually help achieve impact at scale.

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

    Blockchain and Financial Inclusion: Africa - the world's last mile Nov 22, 2018

    Is Africa the world's last mile?
    In this episode Arun and Efi explore the African continent and opportunities for financial inclusion with Chi Nnadi, CEO at Sela Labs and Anton Mozgovoy, CTO at Humaniq.
    In this episode Chi brings his views on how Blockchain can help the culturally decentralised Nigerian economy. We discuss the challenges that the biggest African nation has culturally, politically and economically have and how Blockchain can help.
    Anton brings his first hand experience in bringing financial inclusion to 500,000 African consumers. He discusses, what works and what doesn't and the trends he has noticed in Humaniq's growth within Africa.
    Towards the end, we have an interesting Rapid fire round where Chi describes his coffee preferences - don't miss that one.
    With inspiring entrepreneurs like Chi and Anton, Africa feels like an opportunity where leap frog moments could happen almost every day.

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

    Blockchain and Financial Inclusion: David and Goliath Nov 15, 2018

    In this episode of Rhetoriq podcast focused on Blockchain and Financial Inclusion, Arun and Efi speak to David Henderson, Co-Founder and CFO at Sweetbridge. David talks about how at Sweetbridge, they are taking on the monster challenge of adding efficiencies to trade finance using Blockchain technology. Blockchain technology can be used to provide trade finance for merchants across the world.
    Assets on the Blockchain can provide an easy way to collateralised financing for an otherwise inefficient value chain. He shares insights on how small and medium enterprises across the world are currently struggling to receive trade finance, and ways in which Blockchain can help the status quo. Hear from David on his experience with merchants from Vietnam to Venezuela, and his views on money laundering using this technology.
    During the conversation with us, David shares how Blockchain enabled businesses evolve from being brittle, inflexible Industrial-era economies to new, flexible digital-era economies through gradual transformation with minimal disruption.

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

    Blockchain and Financial Inclusion: Beware of the kids Nov 08, 2018

    In this episode of Rhetoriq podcast focused on Blockchain and Financial Inclusion, Arun and Efi speak to Arman Rousta, CEO of Kidcoin. Kidcoin facilitates multi-currency earning, saving, spending and giving amongst family, friends, sponsors and trusted merchants – improving financial literacy from cradle to college.
    Arman describes how it is critical for kids to understand the concept of value at an early stage. He talks about his journey post university when he lacked the understanding of basic financial understanding. Kidcoin was a result of his life journey, through which he aspires to bring financial education to kids.
    He describes how it takes a village to raise a kid, and that is exactly what they are doing at kidcoin - help raise a financially aware child.
    Listen in, to hear his views on everything from the features of Kidcoin, his views on Blockchain and his plans for Kidcoin.

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

    Blockchain and Financial Inclusion: Humanize Technology Oct 31, 2018

    In this episode of Rhetoriq podcast focused on Blockchain and Financial Inclusion, Arun and Efi speak to Monique Morrow. Monique is the Co-founder and President of the Humanized Internet, a non-profit organization focused on providing digital identity for those individuals most underserved. She focuses on leveraging blockchain as a potential mechanism for this billion people challenge.
    Monique was without a doubt the most energetic guest we have had on our podcast so far. Through this episode she highlights the importance of using the technology effectively and getting the right narrative across, so that it resonates with the common man. Most of us within the Blockchain community have had the curse of knowledge. Monique and Efi highlight how important it is keep the excitement around the technical details on hold and focus on the life changing moments that it can effect.
    It was wonderful to hear Monique's views on the gender diversity (or the lack of it) in the Blockchain world, and what the ecosystem can do better about it.
    Tune in to hear about Monique's experience with public organisations like the UN and her work with refugees in Jordan through Blockchain.

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

    Blockchain and Financial Inclusion: We are all agentic Oct 24, 2018

    In the third episode of Rhetoriq podcast focused on Blockchain and Financial Inclusion, Arun and Efi speak to Rik Willard of the Agentic Group.
    Rik is a digital pioneer and thought leader focused on the emerging "Internet of Value"​, where the convergence of payments, security, financial inclusion, and the Internet of Things will greatly influence critical aspects of global business and personal value in the near- and long-term. Just as money drives business today, new forms of value will begin to take shape based on emerging digital economies, significantly altering our definitions of value to better suit our interconnected world.
    In this episode of Rhetoriq podcast, Rik shares his views on how mass adoption of Blockchain is a technosocial challenge. He elaborates on his journey and how his involvement in the Blockchain world led him to setting up the Agentic group. It was fascinating hearing him describe how this paradigm had the potential to transform a community to an ecosystem to an economy of value exchange.
    Rik is not only an early adopter of this technology, but is also involved in several emerging markets projects across Latin America, Africa and South East Asia. Listen in to find how Rik and his team at Agentic help Financial Inclusion projects across the world.

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

    Blockchain and Financial Inclusion: The Rising Star Oct 17, 2018

    Agree, the title gives it all away. Today Arun Krishnakumar and Efi Pylarinou talk to Lisa Nestor at Stellar Development Foundation. Stellar, based out of San Francisco, have been expanding their presence across the world quite significantly. They were recently one of the top 5 cryptos in terms of market capitalisation.
    Lisa is the director of partnerships at the Stellar Development Foundation. She has had a lot of emerging markets experience in both Africa and India and has seen the on-the-ground challenges of providing financial services to consumers in those regions.
    In today's episode, Lisa shares with us Stellar's work with IBM, and how the partnership is growing. She feels that it is critical for them to be collaborating with incumbent financial services firms to bring about financial inclusion, rather than creating a whole new world of financial services.
    She gives us a view of her experiences in India, and the microfinance work she did out of Chennai, and clarifies her views on why its important to have horses for courses when it comes to Ethereum vs Stellar.
    She also shares her adventures with South Indian food and coffee. Don't miss it!!

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

    Blockchain and Financial Inclusion: An African Diamond Oct 09, 2018

    In the first episode of Rhetoriq podcast focused on Blockchain and Financial Inclusion, Arun and Efi speak to Tricia Martinez of Wala in Africa. Tricia shares with us her reasons that led to her founding Wala and issuing Dala focused on Africa. She discusses her journeys within the African continent and why "Banking the Unbanked" in a conventional sense is actually - nonsense. The Unbanked population of the world don't need banks and can't deal with the traditional system. Is Blockchain the solution?

    Hear how Wala has grown to be the go-to solution for the people of Africa for fee-less value exchange. While MPesa started the payments revolution, the infrastructure created by them still has interoperability problems and high fees for transactions. Can Wala overcome those issues?

    Wala Foundation recently won an award as the best firm for Financial Inclusion in Africa from MIT and MasterCard foundation. And Tricia shares how it all happened.


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

      Related Podcasts

      Startup Diaries

      1

      Startup Diaries Business
      Capital Allocators – Inside the Institutional Investment Industry – Ted Seides – Allocator and Asset Management Expert

      2

      Capital Allocators – Inside the Institutional Investment Industry – Ted Seides – Allocator and Asset Management Expert Business
      The Pat Flynn Show

      3

      The Pat Flynn Show Business
      SocialPreneur Network

      4

      SocialPreneur Network Business
      $10K in 30 Days

      5

      $10K in 30 Days Business
      How To Pay For College

      6

      How To Pay For College Business
      footer-logo

      Contact Us

      Toll Free: 844-670-7747

      Links

      • Home
      • Top Charts
      • Networks
      • Apps
      • Independents Podcasts
      • Podcast Advertising
      • Podcast News
      • Contact Us
      • About Us
      • Analytics & Insights

      Stay Connected

        Privacy, Terms of Use & Our Code of Ethics Protecting Content Creators Copyrights