One Vision

One Vision

www.unconventionalventures.com
One Vision podcast co-hosted by Theodora Lau, Bradley Leimer and Arun Krishnakumar brings purposeful innovation to spotlight. Its where impact meets innovation. We speak to startup founders, investors, industry players, thought leader…


Sharing for the greater good: We are all data scientists
May 19 • 38 min
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…
Voice technology by everyone - for everyone
May 12 • 27 min
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…
Dawn of purpose
May 5 • 37 min
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…
We call them Sheroes
Apr 28 • 39 min
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…
A Quantum Connection
Apr 21 • 38 min
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…
You can’t be what you can’t see
Apr 14 • 27 min
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…
We are here for a reason
Apr 7 • 27 min
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…
We are human - first and foremost
Mar 31 • 35 min
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…
Changing the Entrepreneurship narrative
Mar 24 • 33 min
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…
The Virus that brings us together
Mar 17 • 32 min
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…
Contagion of Change
Mar 10 • 39 min
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…
Scoring a better future
Mar 3 • 34 min
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…
Magic mirror of fintech, who is the fairest of all?
Feb 25 • 30 min
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…
The Truth Still Matters
Feb 18 • 47 min
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…
Payment’s latest disappearing act
Feb 11 • 35 min
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,…
What happens in Davos stays in Davos
Feb 4 • 31 min
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…
Putting social back in social media
Jan 28 • 45 min
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…
Technology is age agnostic
Jan 21 • 39 min
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…
One Vision Launch
Jan 14 • 33 min
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…
The Other 50: Ho Ho! Father Christmas comes to Fintech Town
Dec 17, 2019 • 39 min
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…
The Other 50: The Fintech Nostradamus
Dec 10, 2019 • 37 min
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…
The Other 50: Loki is a woman
Dec 3, 2019 • 27 min
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…
The Fintech Thanksgiving
Nov 26, 2019 • 37 min
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…
The Other 50: The Data Science Dream
Nov 19, 2019 • 32 min
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…
The Other 50: March of the Pay’s
Nov 12, 2019 • 32 min
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…
The Other 50: All roads must lead to Profitability
Nov 5, 2019 • 33 min
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,…
The Other 50: Something about Mary
Oct 29, 2019 • 40 min
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…
The Other 50: Towards a more inclusive future
Oct 22, 2019 • 40 min
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…
The Other 50: The Authentic Self
Oct 15, 2019 • 40 min
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…
The Other 50: Seeking Symmetry
Oct 8, 2019 • 23 min
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…
Judge me by my cover: The New Dark Web
Oct 1, 2019 • 35 min
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…
Red Envelope: Building Blocks of Prosperity
Sep 24, 2019 • 47 min
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…
Red Envelope: The Startup Ecosystem in Hong Kong
Sep 17, 2019 • 33 min
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…
Red Envelope: Lessons from the Land of the Rising Sun
Sep 10, 2019 • 33 min
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…
The Object of Desire
Sep 3, 2019 • 32 min
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…
Red Envelope: India’s Regulatory Landscape, a deep dive
Aug 27, 2019 • 43 min
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…
Red Envelope: Voice goes last mile in India
Aug 19, 2019 • 33 min
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…
Shades of Grey: The Journey towards Social Innovation
Aug 13, 2019 • 32 min
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…
Judge Me By My Cover: Your Voice Matters
Aug 6, 2019 • 35 min
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…
Red Envelope: From the C-Suite to Venture Capital
Jul 29, 2019 • 36 min
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…
Red Envelope: Hongkong bustling with Innovation
Jul 22, 2019 • 35 min
“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…
Red Envelope: Food on the Chain
Jul 16, 2019 • 30 min
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…
Red Envelope: Lending is Easy, Responsible Lending is Hard
Jul 8, 2019 • 26 min
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…
Judge me by my cover: A future beyond algorithms
Jul 1, 2019 • 33 min
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’…
Judge me by my cover: East Leapfrogs the West
Jun 24, 2019 • 47 min
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…
Red Envelope: Inequality is not Inevitable
Jun 18, 2019 • 46 min
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…
Red Envelope: Good Force for Social Impact
Jun 11, 2019 • 39 min
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…
Judge Me By My Cover: Fintech’s True Lover
Jun 3, 2019 • 31 min
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…
Red Envelope: Ethis Crowd and Islamic Fintech
May 28, 2019 • 39 min
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…
Red Envelope: From Lahore with Love
May 20, 2019 • 38 min
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…
Judge Me By My Cover: The Toothfairy and the Future of Banking
May 13, 2019 • 23 min
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…
Red Envelope: The Pearl of Orient
May 6, 2019 • 23 min
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…
Judge Me by My Cover: The 100 Year Life
Apr 30, 2019 • 29 min
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”…
Judge me by my Cover: Irish Food for the Soul
Apr 22, 2019 • 30 min
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…
Judge me by my Cover: The Future of Banking
Apr 15, 2019 • 29 min
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…
Shades of Grey: Stage not Age
Apr 8, 2019 • 33 min
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…
Shades of Grey: Mobility for Everyone Everywhere
Apr 1, 2019 • 18 min
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…
Shades of Grey: For Humans By Humans
Mar 25, 2019 • 21 min
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…
Shades of Grey: Tech Women - Mind the Gap
Mar 18, 2019 • 24 min
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…
Shades of Grey: The Conscientious Banker
Mar 11, 2019 • 26 min
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…
Shades of Grey: The Value of Care
Mar 4, 2019 • 22 min
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…
Shades of Grey: We Are Clearly Impact First
Feb 25, 2019 • 22 min
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…
Shades of Grey: Financial Fraud Prevention for Seniors
Feb 19, 2019 • 25 min
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…
Shades of Grey: Musings of an Impact Investor
Feb 11, 2019 • 23 min
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…
Shades of Grey: Inequality of Ageing
Feb 4, 2019 • 24 min
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…
Shades of Grey: Kindle the human connection with voice
Jan 28, 2019 • 35 min
“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 mosttalked about. And…
Shades of Grey: Introduction
Jan 21, 2019 • 10 min
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…
Blockchain and Financial Inclusion: Consensys Ventures and Tachyon
Jan 16, 2019 • 24 min
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…
Blockchain and Financial Inclusion: Banker to Blockchain Evangelist
Jan 9, 2019 • 27 min
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 and Financial Inclusion: Cryptocartoons and Filipinos
Jan 3, 2019 • 29 min
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…
Blockchain and Financial Inclusion: A Latin Tango as a protocol
Dec 27, 2018 • 27 min
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…
Blockchain and Financial Inclusion: Green Finance a la Swiss
Dec 19, 2018 • 25 min
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…
Blockchain and Financial Inclusion: An Australian Workhour
Dec 11, 2018 • 24 min
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…
Blockchain and Financial Inclusion: Mark this one
Dec 5, 2018 • 22 min
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…
Blockchain and Financial Inclusion: A Top 10 Digital Frontier Woman
Nov 28, 2018 • 27 min
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 and Financial Inclusion: Africa - the world’s last mile
Nov 21, 2018 • 29 min
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 and Financial Inclusion: David and Goliath
Nov 14, 2018 • 24 min
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…
Blockchain and Financial Inclusion: Beware of the kids
Nov 7, 2018 • 28 min
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…
Blockchain and Financial Inclusion: Humanize Technology
Oct 30, 2018 • 23 min
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…
Blockchain and Financial Inclusion: We are all agentic
Oct 24, 2018 • 30 min
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”‚Äč, where the convergence…
Blockchain and Financial Inclusion: The Rising Star
Oct 17, 2018 • 29 min
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…
Blockchain and Financial Inclusion: An African Diamond
Oct 9, 2018 • 23 min
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…