Afleveringen
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Something that is not talked about enough is pay transparency and the fact that on the 7th of June 2026 all EU countries had to comply with the EU pay discrepancy act. Ireland missed this deadline but will bring it on a phased basis and employers have been urged to take steps to prepare for its full implementation.
To find out more about pay transparency and the EU pay discrepancy act I spoke to Crystel Robbins Rynne CEO HRLocker and Fredericka Sheppard Co-Founder and Managing Director Voltedge
Crystal and Fredericka talk about their backgrounds, salaries, putting good frameworks in place and more.
More about HRLocker and Voltedge:
HRLocker is the Irish people-management platform that transforms admin-heavy tasks, such as time & attendance and leave management, into one secure, intuitive system, so HR teams reclaim hours, eliminate errors, and focus on strategic people initiatives, not paperwork.
Voltedge Management is an Irish-based HR consultancy supporting scaling businesses, SMEs, and multinational organisations with strategic HR, leadership, and organisational development solutions. The firm partners with clients across Ireland, the UK, and internationally to build high-performing teams and drive sustainable growth.
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A lot of businesses are overpaying for outdated ways of working, and AI is reshaping their expectations around creative, strategy and operational costs. To find out more about this I spoke to Seamus Begley, founder of creative studio, The Studio of Possible.
Seamus talks about ahis background, what the Studio of Possible does, why many businesses overpay for outdated ways of working, how AI is reshaping expectations around creative, strategy and operational costs and more.
More about The Studio of Possible:
They are a Design Practice that works with forward thinking individuals, brands and businesses to increase their impact on the world around us
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Zijn er afleveringen die ontbreken?
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Many people in this country don't have access to reliable financial guidance — so they're increasingly asking a free chatbot instead. The problem? A general-purpose model trained on Reddit threads inherits Reddit's appetite for risk, and now that skew shows up in the conversations people are having about their money.
In this new episode of One Vision Podcast, Alisha Chowdhury, Founder of Kiro Money, joins Theodora Lau to argue that the same technology, pointed with different intentions, can do the opposite: close the advice gap instead of widening it.
Alisha traces the origin of Kiro back to a socioeconomically diverse Bangladeshi community in New Orleans — the "aunties and uncles" who taught her immigrant parents how to navigate an unfamiliar financial system — and to the University of Pennsylvania, where she saw real wealth and learned how it's built for the first time. After years as an investor at Vanguard and in private equity, she left for an MBA in London and started building the earliest version of Kiro: a low-code, RAG-based coach fed only sources she trusted. "Not garbage in."
Today Kiro is an embedded financial intelligence layer that lets a bank or investing platform drop a context-aware AI coach directly into its own app, so users get guidance where their data and their relationship already live.
A conversation about financial inclusion, the advice gap, and what it takes to build AI for money that people can actually trust. Because when it comes to money, trust has to be earned — and tested.
🎧 Listen now wherever you get your podcasts.
Keywords: AI, Fintech, GenerativeAI, AI Agents, Chatbots
📍”The vision of why I started this is to give back to people like my parents, is to give back to a younger version of myself, and making sure that access truly means access.”
Timestamps
00:00 Welcome and Introductions
01:22 Alisha’s Founder Roots
02:38 From New Orleans to Finance
04:48 Career Path and MBA Pivot
07:35 What Kiro Money Builds
10:19 AI Agents and Product Vision
12:27 Trust, Emotion, and Community
17:36 Safety Guardrails and Testing
22:12 Impact Metrics and Closing
More about our guests
🌐Alisha Chowdhury on LinkedIn: https://www.linkedin.com/in/alisha-chowdhury-163808122/
More about our host and One Vision Podcast
🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/
🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/
🌐Unconventional Ventures (company): https://www.unconventionalventures.com/
🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision
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As various nations prepare for future lunar landings, interest in space exploration has never been greater especially in Ireland. In Cork the UCC Rocketry and Space Exploration Society which was founded last year has been very busy, launching 5 rockets.
To find out more about what the UCC Rocketry and Space Exploration Society are doing and the Irish interest in space exploration I spoke to members of the UCC Rocketry and Space Exploration Society.
The members told me when they started the society, Ireland’s first flight computer, Mach-26 Rocketry competition, For All Mankind and more:
More about UCC Rocketry and Space Exploration Society:
Since being founded last year, they have launched 5 rockets. This includes Prometheus, their largest rocket yet which got 5th in the Mach-X Rocketry and Cansat Competition in their respective category.
Their current projects include:
- Ireland’s first flight computer: Recently test-launched in Portlaw, Waterford.
- Liquid propellant motor, currently under construction for the Race 2 Space competition, where their design review ranked third in their category.
- Ireland’s first two-stage rocket, scheduled to fly this summer in the Mach-26 Rocketry Competition.
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The National Final of the Student Enterprise Programme took place recently with 88 students competing for the title of Student Enterprise of the Year. The programme itself is Ireland’s largest student entrepreneurship initiative, with over 500,000 students having started businesses since 2003. To find out more I spoke to one of the finalists Seán FitzGerald, a fourth-year student who has created software Fleet Monitor, designed to predict the movements of ships attempting to avoid maritime sanctions across every ocean globally.
I spoke Sean about his background, the Student Enterprise Programme, what Fleet Monitor does, and more.
More about Fleet Monitor:
A standout in this year’s programme, Fleet Monitor uses Automatic Identification System (AIS) data to track the position, heading, speed and size of vessels. The platform then cross checks this data in real time against official EU and Nato sanction lists to identify known or suspected shadow-fleet ships.
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We're halfway through 2026, and the fintech landscape is moving faster than anyone can track. In this new episode of One Vision Podcast, Theo brings back three fan favorites — Jennifer White (J.D. Power), Tiffani Montez (Insider Intelligence / EMARKETER), and Julie Muhn (Finovate) — for a midyear roundtable that covers it all.
What did the recent Finovate Spring reveal about where AI is actually landing in financial services? Tiffani shares the latest from the AI Visibility Leadership Board — why banks are no longer competing for attention, they're competing for recommendations, and why the rules of discovery have completely changed. Jennifer brings the data that captures our attention: 53% of consumers used AI in the last 3 months to ask a personal finance question. While awareness of bank-provided PFM tools runs 70–90%, adoption sits at 17–22%. Soft churn is now the real primacy threat. And Julie calls out one of the hardest questions in fintech: what's real, and what's just marketing?
This episode covers AI as infrastructure, the trust paradox, agentic payments, GEO vs. SEO, and why the money leaving your primary bank might be the most important signal nobody's watching closely enough.
🎧 Listen now wherever you get your podcasts.
Keywords: AI, Fintech, GenerativeAI, AI Agents, AI Visibility, LLM
📍 “AI is no longer being just tacked on to existing platforms, like customer service chatbot. It's now being integrated into solutions.” ~ Julie Muhn
📍 “For decades banks spend billions of dollars competing for attention, and they're now competing for recommendations.” ~ Tiffani Montez
📍 ”You being the center of how the consumer manages where their money flows is a potential new definition for primacy.” ~ Jennifer White
📍 “ Would we all have a little agent that's running around trying to look for the best product for us and move money for us?” ~ Theodora Lau
Timestamps
02:35 AI Gets Practical
05:25 Consumers Using AI
07:04 AI Visibility Leaderboard
14:26 Trust Paradox
19:53 Primacy and Soft Churn
25:38 What to Watch Next
More about our guests
🌐Jennifer White on LinkedIn: https://www.linkedin.com/in/jennifer-white-57257424/
🌐Julie Muhn on LinkedIn: https://www.linkedin.com/in/julieschicktanz/
🌐Tiffany Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez/
More about our host and One Vision Podcast
🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/
🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/
🌐Unconventional Ventures (company): https://www.unconventionalventures.com/
🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision
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At the recent Future Health Summit which was held in Dublin, Nordic Europe delivered a special presentation on why Ireland has reached a pivotal moment in patient safety, with medication related harm responsible for around 50% of preventable harm globally.
To find out more about this I spoke to Nordic Europe’s Vice President of Strategy and Transformation Bill Meredith, and their Vice President of Strategy & Country Manager for Ireland Claire Staple.
Bill and Claire spoke to me about their background, what Nordic does, digital transformation reshaping medication safety across Ireland and more.
More about Nordic Europe:
From technology to teams, Nordic provides the end-to-end expertise that healthcare systems throughout Europe need to advance clinical and operational excellence through technology.
They combine deep healthcare insight with technical and strategic expertise to help providers integrate new systems, improve workflows, and elevate patient care with confidence.
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In this episode of One Vision Podcast, Danny Friday, CEO and Founder of Sail, joins Theodora Lau to unpack why the "boring" corners of fintech — HSA and FSA accounts — are exactly where the next wave of meaningful innovation is hiding.
Danny shares the origin story behind Sail: a claim over a Spanish-language dental receipt that exposed a deeper challenge about regulated industries: most of their software isn't broken by accident, it's broken by indifference to user experience. They dig into why no one had built itemized, embedded HSA/FSA infrastructure before now, what changed technically to make it possible, and why Danny insists AI should never make the hard calls. The conversation closes on a bigger bet: that within three to five years, every digital banking app will help people reimburse tax-advantaged expenses, and what that means for the industry.
🎧 Listen now wherever you get your podcasts.
Keywords: AI, Fintech, Healthcare, User Experience
#AI #fintech #healthcare #UX #innovation #podcast
Timestamps & Hot takes
00:00 — Welcome, and the energy Danny brought to his pitch in Delaware
01:30 — Why "boring" markets are where the money (literally) sits untouched
03:00 — The stat: Americans forfeit billions in unused FSA dollars every year
05:30 — The origin story: a Mexico dental receipt, a Spanish-language invoice, and an endless loop with a benefits administrator
07:00 — Regulated industries and the quiet acceptance that "software just sucks"
08:30 — How Sail eliminates the HSA/FSA card entirely and why no one had built this before
13:00 — The accountability question: "In most AI products, the cost of a wrong answer is embarrassment. In ours, it's an IRS audit."
14:30 — Hot take: "AI should make it easy for the 95% to disappear so a human can spend all their judgment on the 5% that matters."
16:00 — Trust as "new car smell"
19:00 — Inheriting trust through distribution: why showing up inside existing benefits relationships matters
21:00 — AI and the founder journey: "It collapsed the barrier between an idea and a prototype."
23:30 — Why understanding your industry still can't be prompted into existence
25:00 — What's next: Sail's move from app to infrastructure, and a bet that every banking app will handle tax-advantaged reimbursement within 3–5 years
26:30 — Closing: "We found money for you."
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More about our guest
🌐Danny Friday on LinkedIn: https://www.linkedin.com/in/danny-friday-b86930112/
More about our host and One Vision Podcast
🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/
🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/
🌐Unconventional Ventures (company): https://www.unconventionalventures.com/
🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision
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Robotics and AI comes in many shapes and sizes revolutionising many different sectors. One of these sectors being revolutionised is the commercial cleaning industry, using autonomous cleaning, robotics, and innovation creating efficiency.
To find out more about this I spoke to Shane O’Flaherty from CleaningMachines.ie. Shane talks about his background, what CleaningMachines.ie does, robots, AI and more.
More about CleaningMachines.ie:
CleaningMachines.ie have been supplying and servicing the cleaning industry for decades. In that time, they have built up a wealth of knowledge and earned ourselves a skilled and committed team.
At CleaningMachines.ie, they don’t just sell cleaning equipment, they live and breathe it. Behind every scrubber dryer, industrial vacuum, or ride-on sweeper we offer, there’s a story of family, grit, and generations of hands-on experience.
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NTT DATA, a global leader in AI, digital business and technology services, opened its new Dublin office earlier in the week and I attended the opening. Whilst I was there I interviewed Peter Burke, Minister for Enterprise, Tourism and Employment, Marianne Checkley, CEO Kinia and Professor Dan Kilper, Director CONNECT Centre Trinity College Dublin.
I spoke to Minister Burke about NTT DATA being good for the Irish economy. I then spoke to Marianne Checkley about the excellent stem work Kinia is doing and how NTT DATA is helping them. Lastly I spoke to professor Dan Kilper about the great work the Connect Centre in Trinity College Dublin is doing with NTT DATA.
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Since 2023, illicit financial activity has surged by $1.3 trillion, reaching an estimated $4.4 trillion globally. The reason isn't a mystery: bad actors have AI now too.
In this episode of One Vision Podcast, Theodora Lau sits down with Tyler Allen, CEO of Unit21, to unpack what's happening on the front lines of AI-powered fraud. Tyler was Unit21's founding software engineer and he is now leading the company through a moment he calls "have your cake and eat it too": AI is finally cheaper than the human labor it could replace, and unlike humans, it doesn't get alert fatigue.
The conversation goes deeper on:
• The fundamental asymmetry between attackers and defenders — and why AI made it worse
• Why majority of AI pilots fail (hint: it's almost never the technology)
• Why AI makes sense for financial crime prevention and detection
• What he asks potential buyers, from ownership and goals, to risk tolerance and more
• What every FI should be demanding from their AI vendors
A conversation about the new physics of fraud — and the human consequences of getting it wrong.
🎧 Listen now wherever you get your podcasts.
📍Hot take: ”It's a have your cake and eat it too moment … it feels good to be in a space where you do have societal impact.”
Keywords: AI, AI Agents, Fintech, Fraud, Risk Management
Timestamps
00:00 Welcome and Intro
00:26 Robots to AI Fraud
01:31 AI Fuels Crime Surge
05:19 Alert Fatigue and Checks
07:26 Who Adopts AI Fastest
09:30 First Questions for Buyers
16:18 Vendor Evaluation Checklist
22:25 Pilot to Production Lessons
27:26 Tyler’s Career Origin Story
31:36 Books, Podcasts, and Learning
More about our guest
🌐Tyler Allen on LinkedIn: https://www.linkedin.com/in/tylertallen/
More about our host and One Vision Podcast
🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/
🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/
🌐Unconventional Ventures (company): https://www.unconventionalventures.com/
🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision
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In partnership with Heineken Ireland, AssistiV, wants to bring life changing technology to the hospitality sector that will support growth in the trade by helping fill job vacancies and foster inclusivity. To find out more about this I spoke to
Barbara Anne Richardson, Sustainability and Public Affairs Manager at Heineken Ireland and Alan Craughwell, AssistiV Ireland CEO. Barbara and Alan talk about their backgrounds, what AssistiV does, Heineken’s partnership with AssistiV, Heineken’s and AssistiV’s rollout across the company and more.
More about AssistiV :
AssistiV is an assistive technology platform that supports people with intellectual disabilities, autism, and learning disabilities to complete workplace tasks independently through step-by-step guidance.
It offers personalised prompts, routine reminders, and guidance whether preparing breakfast, packing a bag, or catching the bus. By removing barriers to employment like numeracy and literacy challenges, AssistiV levels the playing field and makes it easier for people with disabilities to work. To date, AssistiV is already supporting people with intellectual disabilities in hospitality and in other sectors - with aim to support 1,000 jobs within 5 years.
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After more than a decade of crossing paths at conferences and following each other’s work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast.
In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It’s about digging deep, listening closely, and finding solutions that truly matter.
The conversation turns to AI’s rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand.
And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.
If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?
🎧 Listen now wherever you get your podcasts.
📍Hot take: “ The next generation of financial services, if it is to correctly harness the power of AI to get there, it's not speed that matters, but understanding. And AI has to understand like you and I do as humans.”
Keywords: AI, Fintech, Open Banking, Data, Future Of Work, Podcast
Timestamps
00:00 Welcome and Guest Intro
01:42 Building Ecosystems in Appalachia
07:00 Traits of Great Founders
12:04 Data Access and Open Banking
17:22 AI Hype vs Human Impact
18:40 Agentic AI and Relationship Banking
29:42 Friction Matters in Money
33:45 Midyear Surprises and What’s Next
39:30 Closing Thanks and Farewell
More about our guest
🌐Sarah Biller on LinkedIn: https://www.linkedin.com/in/sarahbiller/
More about our host and One Vision Podcast
🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/
🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/
🌐Unconventional Ventures (company): https://www.unconventionalventures.com/
🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision
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Magnet+, the leading independent provider of enterprise connectivity, cloud-based voice solutions and managed services, is seeing a significant increase in the uptake of Dedicated Internet Access (DIA) by businesses nationwide at the moment. Magnet+, part of Speed Fibre Group, serves over 7,000 customers across Ireland and Europe, including 70% of the world’s leading tech companies located in Ireland.
The increase in DIA uptake (1G and up) is due to the fact that more and more organisations across Ireland are accelerating investment in cloud-based systems and platforms, real time data and collab tools, AI, cybersecurity and multi-site / hybrid working environments.
To find out more about DIA and its uptake I spoke to Patrick Masterson, MD of Magnet+. Patrick talks to me about his background, what Magnet+ does, DIA, digital transformation and more.
More about Patrick Masterson, MD of Magnet Plus:
Patrick Masterson was appointed MD of Magnet Plus three years ago. With over 20 years of experience across a variety of areas including commercial, sales and marketing, Patrick’s reputation for driving commercial activities and improving overall business performance is a key asset to Magnet Plus.
Prior to joining Magnet Plus, he held several Commercial Director and Chief Commercial Officer roles in leading Irish companies across the Retail, Healthcare and Technology sectors. He also has an MBA with Henley Business School in the U.K.
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What happens to a deposit when the account holder dies — and why are banks so unprepared for the one moment they know is coming?
In this episode of the One Vision Podcast, Theodora Lau sits down with Martha Underwood, Founder and CEO of Prismm and author of the new release: The Death of Deposits. Drawing on 25+ years across IBM, Silicon Valley, and BBVA Compass, Martha talks about the unspoken assumption in banking — that the user will always be there — and how that assumption is now colliding with the largest generational wealth transfer in history.
Together, Theo and Martha unpack the retention illusion, why the beneficiary field is the richest unused lead list sitting inside every bank's core, and why deposit attrition at death is an infrastructure problem, not a marketing one. They dig into the operational reality, the cultural reality, and the human reality, and why AI's real job is orchestration under pressure (not more automation).
A deeply human conversation about deposits, design, and what it really means to extend a banking relationship beyond a single account holder.
📍Hot take: “You cannot out-campaign demographics.”
📍Hot take: "If you don't design for the transfer, you're going to lose the relationship."
Keywords: AI, Wealth transfer, Wealth management
More about our guest
🌐Martha Underwood on LinkedIn: https://www.linkedin.com/in/marthaunderwood/
📘 The Death of Deposits by Martha Underwood: https://a.co/d/07TBuFvC
More about our host and One Vision Podcast
🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/
🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/
🌐Unconventional Ventures (company): https://www.unconventionalventures.com/
🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision -
Irish Tech News is at Dublin Tech Summit and over the 2 days Ronan will be doing various podcasts. Our sixth and last podcast is with John Wilson CISO and President of Forensics at HaystackID, and Jeff Shapiro Managing Director of Europe at HaystackID. John and Jeff talk to Ronan about their backgrounds, what Haystack does, their Dublin Tech Summit talk and AI deep fakes.
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Irish Tech News is at Dublin Tech Summit and over the 2 days Ronan will be doing various podcasts. Our ffith podcast is with Alvina Antar Chief Digital Officer at F5, an American technology company providing global scale and industry-leading converged application delivery and security platform offering unrivaled insight into the challenges and threats facing modern and legacy apps in the AI era.
Alvina talks to Ronan about her background, embracing new technology, what F5 does, AI and getting the Grace Hopper award the night before Dublin Tech Summit started.
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Irish Tech News is at Dublin Tech Summit and over the 2 days Ronan will be doing various podcasts. Our fourth podcast is with James Kretchmar SVP and CTO of Cloud Technology at Akamai the cybersecurity and cloud computing company that powers and protects business online. James talks to Ronan about his background, what Akami does, cloud outages and AI.
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In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.
Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.
At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.
Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.
📍Hot take: "The only certainty is uncertainty."
Keywords: Fintech, Financial Services, Startup, VC, Hong Kong, SME
00:00 Welcome and Guest Intro
01:06 The Backstory
05:15 From HSBC to Startup
11:02 Expectations versus Reality
18:41 Working Capital Matters
36:24 Hong Kong’s Strategic Role
40:11 Closing and Takeaways
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More about our guest
🌐Hay Yip on LinkedIn: https://www.linkedin.com/in/hayyip/
More about our host and One Vision Podcast
🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/
🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/
🌐Unconventional Ventures (company): https://www.unconventionalventures.com/
🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision
**
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Irish Tech News is at Dublin Tech Summit and over the 2 days Ronan will be doing various podcasts. Our third podcast is with Armin Moradi and Lydia Foott the Co-Founders of Qashio, created for finance leaders and business owners. They built a User-Centric Technology solution within spend management that is allowing businesses to mature their processes without compromising the speed of their operations.
Armin and Lydia talk to Ronan about their backgrounds, their new Dublin office, new jobs and investment in Dublin and how the war in Iran has impacted them.
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