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

What Does Good Look Like? Tyler Spalding on Public Trust, Responsible AI, and the Future of Work

What do the American people actually expect from companies deploying AI — and are corporate leaders listening? In this episode of One Vision Podcast, Theodora Lau sits down with longtime friend Tyler Spalding [https://www.linkedin.com/in/tyler-spalding/], Chief Marketing, Communications & Engagement Officer at JUST Capital, to unpack the organization's latest research on how the public, investors, and corporate executives view AI's impact on society, jobs, and the economy. They dig into the perception gap between public sentiment (66%) and corporate optimism (94% of investors and 90% of corporate leaders see AI as a net positive), and what that gap means for business leaders navigating workforce decisions, reskilling investments, and responsible AI deployment. The conversation also explores the tension between AI-driven efficiency gains and the human cost of disruption — from layoffs framed as AI transformation and the anxiety facing the next generation entering the workforce, as well as the importance of defining and incentivizing responsible AI through consistent, comparable standards guided by public expectations. 📍Hot take: “ I've long believed that listening is a superpower.” Keywords: AI, Trust, Financial Services, Responsible AI, Future of Work, Venture Capital  #AI #ResponsibleAI #FutureOfWork  00:00 Welcome and Introductions 04:02 What Just Capital Does 04:29 AI Optimism and Trust Gap 05:43 Responsible AI Expectations 12:34 Jobs Anxiety and Layoffs 15:13 Reskilling and New Opportunities 17:51 Next Generation and Education 21:34 Defining Responsible AI Standards More about our guest  🌐Tyler Spalding on LinkedIn [https://www.linkedin.com/in/tyler-spalding/]: https://www.linkedin.com/in/tyler-spalding/ [https://www.linkedin.com/in/tyler-spalding/]  🌐Spring 2026 American Public, Investor, and Corporate Leader Perspectives on Responsible AI Deployment: AI Optimism Rises but Concerns Remain: https://justcapital.com/wp-content/uploads/2026/04/Wave-2-AI-Report.pdf [https://justcapital.com/wp-content/uploads/2026/04/Wave-2-AI-Report.pdf]  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn [https://www.linkedin.com/in/theodoralau/]: https://www.linkedin.com/in/theodoralau/ [https://www.linkedin.com/in/theodoralau/]  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ [https://www.bankingonaibook.com/]  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ [https://www.unconventionalventures.com/]  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision [https://shows.acast.com/one-vision]  ** One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau [https://www.linkedin.com/in/theodoralau/] (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Putting AI Agents Into Real Banking Workflows

What separates an AI agent that demos beautifully from one that actually runs in production at a bank? In this episode of One Vision Podcast, Theodora Lau reconnects with Maté Jendrolovics [https://www.linkedin.com/in/mate-jendrolovics/], CEO and Founder of Intuitech, for a candid conversation about the reality of agentic AI in financial services — where "80% accurate" doesn't mean 80% of the value. Maté shares how Intuitech has expanded in the past year, and his idea of an AI-native bank.  A grounded, hype-free conversation about doing AI in financial services the hard way — and why that's the only way it creates real value. 📍Hot take: we don't treat agentic AI technology as a magical wand that does everything. Keywords: AI, Fintech, Agentic, AI Agents, Banking Industry  #AI #Fintech #Agents #AgenticAI #BankingIndustry 00:00 Welcome Back Maté 03:10 From POCs to Production 04:22 Accuracy Over Demos 07:07 Composite Tech Not Magic 08:49 When Not to Use GenAI 10:46 Designing AI Native Workflows 13:49 What Is an AI Native Bank 15:15 Three Pillars of AI Native 19:45 What We Want the Market to Learn More about our guest  🌐Maté Jendrolovics on LinkedIn [https://www.linkedin.com/in/mate-jendrolovics/]: https://www.linkedin.com/in/mate-jendrolovics/ [https://www.linkedin.com/in/mate-jendrolovics/]  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn [https://www.linkedin.com/in/theodoralau/]: https://www.linkedin.com/in/theodoralau/ [https://www.linkedin.com/in/theodoralau/]  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ [https://www.bankingonaibook.com/]  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ [https://www.unconventionalventures.com/]  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision [https://shows.acast.com/one-vision] One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau [https://www.linkedin.com/in/theodoralau/] (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Whose Agent Is It? The Merchant Side of Agentic Commerce with Marc Massar

When AI agents start buying and selling on our behalf, who do they really represent? In this new episode of One Vision Podcast, Theodora Lau [https://www.linkedin.com/in/theodoralau/] sits down with Marc Massar [https://www.linkedin.com/in/marcmassar/] — payments veteran and founder of Aura Labs — to unpack the merchant side of agentic commerce that most of the industry is overlooking. They dig into why today's agentic protocols are still walled gardens, what happens when transaction context disappears but liability doesn't, why dynamic pricing gets dangerous at machine speed, and what merchants need to do now before they get trapped in someone else's ecosystem. Marc draws on past lessons to make the case that market design — not smarter agents — is what will determine whether agentic commerce works for everyone or just the platforms that control it. 00:00 Welcome and Guest Intro 03:03 Protocols and Walled Gardens 10:25 Who Does the Agent Serve 14:20 Post Purchase Identity and Disputes 22:54 Merchant Playbook for Agentic Search 32:41 Consent and Payments Friction 35:25 Dynamic Pricing Meets Agents 39:06 Market Design and Controls 44:48 Seller Data Playbook 51:35 Closing  📍Hot take:  "Whose agent is it? Who benefits?" Keywords: AI, Agentic Commerce, Fintech, Autonomous Agents, Protocols, Market Design, Digital Commerce, Payments, Data Management #AI #Fintech #AgenticCommerce #Data #Payments  More about our guest  🌐Marc Massar on LinkedIn [https://www.linkedin.com/in/marcmassar/]: https://www.linkedin.com/in/marcmassar/ [https://www.linkedin.com/in/marcmassar/]   More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn [https://www.linkedin.com/in/theodoralau/]: https://www.linkedin.com/in/theodoralau/ [https://www.linkedin.com/in/theodoralau/]  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ [https://www.bankingonaibook.com/]  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ [https://www.unconventionalventures.com/]  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision [https://shows.acast.com/one-vision] One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau [https://www.linkedin.com/in/theodoralau/] (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

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

While the conversation around AI often centers on automation and efficiency, the real opportunity lies in AI’s ability to act as a decision-making layer. In this episode of One Vision podcast, Theodora Lau [https://www.linkedin.com/in/theodoralau/] hosts Bianca Zwart [https://www.linkedin.com/in/bianca-zwart/], Chief Strategy Officer at bunq, to unpack what it truly means to be AI-native. For bunq, AI isn't a feature bolted onto an existing model. It's the operating system. Bianca shares how bunq's obsession with the user experience drives every technology decision. The conversation also explores what's next for agentic AI — and why the future isn't about AI taking over, but about making users smarter supervisors of their own financial lives. Plus: bunq's bold move into the US market, the needs of the people navigating life on both sides of the Atlantic, and why Bianca believes trust — not technology — is ultimately the only thing that matters. 📍Hot take: “... the first question that you always need to answer is, what is in it for the user?” 📍Hot take: “You can copy features. But you cannot copy DNA (of a company).” 00:00 Welcome and Introductions 00:47 Why bunq Is AI Native 03:42 Meet Finn GenAI Platform 08:26 US Expansion Strategy 13:00 User First AI Mindset 18:39 Privacy Trust and Transparency 22:10 AI Fraud Prevention Journey 24:11 What Keeps Bianca Going 27:20 Closing and Farewell Keywords: AI, Fintech, User Experience, Banking Industry, User Centricity, GenAI, AI Ethics, AI in Banking, Fraud More about our guest  🌐Bianca Zwart on LinkedIn [https://www.linkedin.com/in/bianca-zwart/]: https://www.linkedin.com/in/bianca-zwart/ [https://www.linkedin.com/in/bianca-zwart/]  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn [https://www.linkedin.com/in/theodoralau/]: https://www.linkedin.com/in/theodoralau/ [https://www.linkedin.com/in/theodoralau/]  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ [https://www.bankingonaibook.com/]  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ [https://www.unconventionalventures.com/]  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision [https://shows.acast.com/one-vision] One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau [https://www.linkedin.com/in/theodoralau/] (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

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

In the ever-evolving world of digital banking, understanding the shifts and trends is crucial for industry practitioners and innovators. In this episode of One Vision, Theodora Lau [https://www.linkedin.com/in/theodoralau/] hosts Dharmesh Mistry [https://www.linkedin.com/in/dharmesh-mistry-b81207/] and Dave Wallace [https://www.linkedin.com/in/davejvwallace/] to explore the transformative moments in banking and fintech over the past decade, the impact of technology on the financial services industry, and the future of work. They discuss the rise of 5G, smartphones, digital banking, and the need for industry revaluation to adapt to rapid technological convergence. 00:00 Introduction and Guest Welcome 02:20 The Game Changers and Misreads 11:57 The Role of Fintechs and Neobanks 21:24 The Future of Banking: A New Paradigm 32:16 Rethinking Banking for the Future 34:09 AI Native Banking 37:03 Jobs and the Human Contribution  📍Hot take: “ We've had a new layer of financial services by the fintechs …  and we totally overestimated the impact of these new players to the existing players.” 📍Hot take:  To create a better industry industry. It doesn't have to be FinTech completed. It's. Destroying banks. It doesn't have to be banks, completely destroying newcomers. There are so much, there's so much room for us to all play together to create a better ecosystem for all of us.  Keywords: AI, FinTech, Digital Banking, Financial Services, Disruption, Future of Work, 5G, Banking Innovation More about our guests  🌐Dave Wallace on LinkedIn [https://www.linkedin.com/in/davejvwallace/]: https://www.linkedin.com/in/davejvwallace/ [https://www.linkedin.com/in/davejvwallace/]  🌐Dharmesh Mistry on LinkedIn [https://www.linkedin.com/in/dharmesh-mistry-b81207/]: https://www.linkedin.com/in/dharmesh-mistry-b81207/ [https://www.linkedin.com/in/dharmesh-mistry-b81207/]  🌐Demystify Podcast on Fintech Futures: https://www.fintechfutures.com/keyword/demystify-podcast [https://www.fintechfutures.com/keyword/demystify-podcast]  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn [https://www.linkedin.com/in/theodoralau/]: https://www.linkedin.com/in/theodoralau/ [https://www.linkedin.com/in/theodoralau/]  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/ [https://www.bankingonaibook.com/]  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/ [https://www.unconventionalventures.com/]  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision [https://shows.acast.com/one-vision]  One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau [https://www.linkedin.com/in/theodoralau/] (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.