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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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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.. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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! See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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 See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.

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. See acast.com/privacy for privacy and opt-out information.