Theodora Lau banks on AI becoming our financial GPS and OS but flags required waypoints to protect consumer data rights, maintain trust and close the digital divide.

Theo and Kimberly discuss the progression toward a financial GPS powered by AI; consumer data rights and trust; the billion dollar question for 2026; analog identify verification; reducing risk and improving the customer experience; valuing people above transactions; the widening digital divide; upskilling and reskilling; cultivating curiosity and reclaiming time; financial security as the foundation for health; agentic commerce and AI as the financial OS; and always being human.

Theodora Lau is the Founder of Unconventional Ventures. A prolific speaker, author and advisor, Theo is an American Banker’s Top 20 Influential Women in FinTech. Recognizing that health and financial security are innately entwined, Theo works to spark innovation in the public and private sectors to meet the needs of underrepresented consumers.

Related Resources:

Banking on (Artificial) Intelligence (book)
One Vision Podcast (RSS feed)
Unconventional Ventures (company)

A transcript of this episode is here.

Navigating AI in Banking with Theodora Lau