# Theodora Lau

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Agentic Commerce's Real Bottleneck Isn't the Technology

🎙️Agentic Commerce's Real Bottleneck Isn't the Technology — with Jas Shah A year and a half ago, agentic commerce was going to change everything. Type a prompt, get a package. So what actually happened? In this episode of One Vision Podcast, Theodora Lau sits down with fintech product expert Jas Sh…

Platform or Pipe: Why Most Banks Already Chose

Every few years someone tells us banking is about to be disrupted. It never quite happens. So when Dharmesh Mistry and Lou Carlozo came on to talk about their new book, The Intelligent Ledger, I asked: Why is this time different? Dharmesh's take? Banking has adopted plenty of individual technologi…

Platform or Pipe: Why Most Banks Already Chose

Every few years someone tells us banking is about to be disrupted. It never quite happens.  So when Dharmesh Mistry and Lou Carlozo came on to talk about their new book, The Intelligent Ledger, I asked: Why is this time different? Dharmesh's take? Banking has adopted plenty of individual technologi…

Banks Are Getting AI Brains, with Igor Tomych & Dumitru Condrea | Fintech Garden Podcast 172

Digital banks are quietly shifting from "here's your balance" to "here's what's about to happen to your money." Igor Tomych and Dumitru Condrea spend this episode on what they're calling the AI brain: the layer of AI that sits on top of a bank's cash flow and P&L data to predict spending, catch sub…

Are banks becoming irrelevant in the AI era? With Theodora Lau | FG Podcast 158

Meet Theodora Lau — founder of Unconventional Ventures, author of Banking on (Artificial) Intelligence (2025), co-author of The Metaverse Economy (2023) and Beyond Good (2021), and host of the One Vision podcast. Theo was named one of American Banker's Most Influential Women in FinTech, ranked No.…

A Bag of M&Ms | Briana Marbury on Financial Exclusion

Briana Marbury grew up in Detroit with one bank in the neighborhood. She opened an account after her first job. Then came the overdraft fees, and the fees on the fees. She had a choice: gas and groceries, or the bank. The bank account closed. So she went to the check-cashing place on the corner, fi…

A Bag of M&Ms | Briana Marbury on Financial Exclusion

Briana Marbury grew up in Detroit with one bank in the neighborhood. She opened an account after her first job. Then came the overdraft fees, and the fees on the fees. She had a choice: gas and groceries, or the bank. The bank account closed. So she went to the check-cashing place on the corner, fi…

Local Roots, Big-Bank Expectations: AuburnBank’s Digital Strategy

What do you do when your customers love you for being local and expect you to work like a big global bank? In this episode of One Vision Podcast, Jerry Siegel and Joanna Watts join Theodora Lau to discuss the priorities and challenges that shaped AuburnBank's digital strategy and the decision to s…

Local Roots, Big-Bank Expectations: AuburnBank’s Digital Strategy

What do you do when your customers love you for being local and expect you to work like a big global bank?  In this episode of One Vision Podcast, Jerry Siegel and Joanna Watts join Theodora Lau to discuss the priorities and challenges that shaped AuburnBank's digital strategy and the decision to s…

Ep. 146 - The AI-Empowered Consumer: Why Banks Can't Sit This One Out, with Theodora Lau

What happens when your customers have AI doing the research, comparing financial products and finding better deals for them?For years, banks have built their business models around customer relationships, trust and loyalty. But as AI gives consumers more information and greater control over their f…