Rhetoriq podcast co-hosted by Arunkumar Krishnakumar, Efi Pylarinou, Theodora Lau and Bradley Leimer brings purposeful innovation to spotlight. Its where impact meets innovation. We speak to startup founders, investors, industry players, thought leaders and policy makers in the innovation ecosystem and get their views. While there have been a lot discussed about innovation in the western world, we believe that impact at scale can be achieved in the emerging markets. In recent times we have seen several leap frog moments across the emerging world. What Alibaba and Tencent have achieved in China, PayTM in India and MPesa in Africa are great examples of impactful stories. We talk to many emerging market players and highlight their efforts to create such leap frog moments.The first season of the podcast is hosted by Arun Krishnakumar who is a VC in London, and Efi Pylarinou a Fintech Influencer based out of Switzerland. The focus for Season 1 of the podcast is Blockchain and Financial Inclusion. Season 2, titled "Shades of Grey", is co-hosted by Arun, Theodora Lau and Bradley Leimer. The focus for this season is innovation and Longevity. We believe there are many innovation stories that are creating huge impact in people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. Rhetoriq is your go-to place if you are looking for stories of innovation with purpose.


  • FinTech in Bermuda - RumCoin?

    06/07/2021 Duration: 36min

    Apart from its dramatic coastline, hidden coves, turquoise waters, and beautiful beaches with pink sands, Bermuda is also a well-established offshore financial center, home to the second largest reinsurance market. The island nation has also created an infrastructure and ecosystem to foster innovation in blockchain technology, supported by a tiered regulatory approach that includes the Digital Asset Business Act and a regulatory sandbox. In this episode of One Vision, Theo and Bradley chat with Chris Garrod, Director, Insurance and Technology at Conyers Dill & Pearman, on the wild wild west of crypto and beyond. While there is no CBDC planned for Bermuda, Chris told us that we might be able to buy rum with digital Bermuda dollars soon. Do we need more reason for a fintech meetup on the beach See acast.com/privacy for privacy and opt-out information.

  • Serving the underserved community of immigrants — with Cheese

    29/06/2021 Duration: 38min

    While banking should be a borderless experience, in reality, it is far from it. Immigrant communities for example, face a list of challenges from language barriers to lack of credit history and high cost of remittance. In 2018 alone, US immigrants spent over US$1 trillion, with international students contributing $42 billion to that sum. The market is ripe for change.In this episode of #OneVision, Theo and Bradley chat with Ken Lian, Co-founder & CEO of Cheese Financial, the first banking solution designed for immigrants in the U.S. that does not require a social security number or credit history. Cheese also features a social component, with cash back that empowers consumers to support Asian owned businesses and restaurants. In the age of deep social divide, we were inspired by Ken’s passion and drive to make a positive impact. And we hope you will too. See acast.com/privacy for privacy and opt-out information.

  • Data is the first line of defense

    22/06/2021 Duration: 23min

    Years from now, when we look back at this pandemic, what data will have been the most critical? While we normally talk about data in the context of financial services, and the importance of data and technologies like artificial intelligence to assist our ability to deliver a more inclusive future, the data we will remember from this moment of time is health data related to Corona-19 and the lives impacted by each number this data represents.    In this episode of our #OneVision podcast, Theodora and Bradley talk to Susan Joseph, CEO and Co-Founder of HealthTrends.AI. With an experienced background across financial services and the law, with efforts focused around financial data, identity, artificial intelligence, and blockchain technologies, Susan helps us navigate through the past year from the story of the data behind this virus. You’ll learn why open source and public data were the real heroes in battling this disease, and what we should all look at as the lessons and opportunities for

  • Creating a better world through the power of technology

    15/06/2021 Duration: 20min

    According to a recent survey, nearly two-thirds of full-time employees indicated that their financial stress has increased since the start of the pandemic. To engage and retain productive employees, companies must help foster a culture of financial wellness and support to help their workforce better manage their finances and plan for the future. Providing access to financial wellness benefits can become a key differentiator when the labor market is tight; it can also positively impact the organization’s bottom line by relieving employee financial stress. In this episode of One Vision, Theo and Bradley chat with Rebecca Liebman, co-founder and CEO of LearnLux on her entrepreneurship journey, and creating a better world through the power of technology. See acast.com/privacy for privacy and opt-out information.

  • Financial regulation and innovation and the spaces in between

    08/06/2021 Duration: 24min

    Whether it’s the Queen’s bank in the U.K., a neobank in Brazil, a challenger fintech in the U.S., or one of the mighty superapp platforms of Asia, there is nothing more central to that conversation than compliance, risk, and regulation. This is especially true as it relates to data, privacy, and the evolution of the financial services business model. Yet this trifecta of controls are often overlooked.    In this episode of our #OneVision podcast, Theodora and Bradley talk to Victoria Martin, Head of Client Risk and Compliance at 10x Future Technologies. With leading roles in risk, compliance, and regulatory matters, and time spent at 11FS, ClearBank, Octopus, Tandem Money, and RBS among them, our conversation covered a lot of ground. Join us as we learn more about the differences in how startups and banks approach compliance, how open banking standards differ across geographies, and where Victoria thinks we are heading next when it comes to regulation. See acast.com/privacy for privacy and

  • Cashless China and the digital currency revolution

    01/06/2021 Duration: 39min

    What does the future hold for a cashless economy? The day when all of us might have digital wallets with a selection of digital currencies might not be too far out to the future, according to Richard Turrin, author of new book “Cashless”, and an expert on China’s fintech developments and the digital currency revolution.In this episode of One Vision, Theo and Bradley chat with Richard about the current CDBC landscape across different regions around the world, the superapp ecosystem, and the role of big tech in the innovation economy. See acast.com/privacy for privacy and opt-out information.

  • Shared prosperity: Building a better future — together

    25/05/2021 Duration: 23min

    Beyond developing renewable energy, how do we react to the social and economic challenges faced by humanity? Are we meeting the needs of the present without compromising the future — and the ability of subsequent generations to meet their own needs? What role does technology play and what are our collective responsibilities in promoting a broader spectrum of digital inclusion? In this episode of One Vision, Theo and Bradley chat with Chenni Xu, Corporate Communications, Head of Americas, Ant Group, about the latest Sustainability Report released by Ant Group, and how technology can be used for good. See acast.com/privacy for privacy and opt-out information.

  • The windy road to digital identity

    18/05/2021 Duration: 30min

    Over 1 billion people in the world today cannot prove their identity, and the challenge is not limited to the developing world. In the U.K. alone, 15% of the population do not have a passport or driver’s license. In contrast, Estonia, with a population of 1.3 million, leads the world with its national ID card system, where every citizen has an electronic identity and where all the records are tied together. While COVID-19 has strengthened the case for a digital identity, the road is not without perils. In this episode of One Vision, Theo and Bradley chat with Emma Lindley, digital identity expert and Co-Founder of Women in Identity, on the UK Digital Identity Framework, and what it will take to get to true inclusion. See acast.com/privacy for privacy and opt-out information.

  • Innovation at warp speed

    11/05/2021 Duration: 34min

    In the age of accelerated digital and tech spending, how do we choose our innovation and investment priorities — at the same time, keeping up with competitive pressure and changing customer needs? Looking back in the year that was — knowing what we know now, what would we have done differently? How do we best meet our customers where they are? In this episode of One Vision, Theo and Bradley chat with Kelly Wagner, Director of Innovation and Member Experience at the Credit Union of Colorado, about experimentation, curiosity, and creating new memorable experiences. See acast.com/privacy for privacy and opt-out information.

  • What would have happened if Ada Lovelace was funded?

    04/05/2021 Duration: 28min

    In 2020, U.S. VC firms deployed a vast amount of capital, but not only did the portion of funds to female founders drop, so did the funding to female-led startups. As the impact of the COVID-19 continues to be felt, closing the global gender gap has also increased by a generation from 99.5 years to 135.6 years, according to the World Economic Forum. In this episode of One Vision, Theo and Bradley chat with Tracy Chadwell, Founding Partner of 1843 Capital, an early stage venture capital firm, on funding, diversity, and longevity tech. See acast.com/privacy for privacy and opt-out information.

  • Parenting, caregiving, and adapting to the new normal

    27/04/2021 Duration: 32min

    When the COVID-19 pandemic first arrived, it was a shock to all of us as something of this scale was simply without precedent. The world we knew stopped in its tracks.  When we finally get over the initial shock, those who are parents and caregivers are faced with the next set of questions. How can we best protect our loved ones with the new normal? What is the new work life balance, if there is even one? Join us in this episode of One Vision, where Theo and Bradley chat with Carleen Haylett, CEO of Sit-A-Bit, to learn more about how they are providing more childcare options for working parents and caregivers, and how the future of education may have been right in front of us all along. See acast.com/privacy for privacy and opt-out information.

  • Sustainability is not a spectator sport; we all have a role to play

    20/04/2021 Duration: 36min

    Extreme weather conditions are occurring more often all around the world, from wildfires in the U.S. and Australia to severe flooding in parts of Africa and Asia. As a society, we are facing a global crisis: Over 1.2 billion people could be displaced from their homes by 2050 due to the effects of climate change.Urgent action is needed to combat the immense challenges we face. Recent pledges by big banks including Citi, J.P.Morgan, and Bank of America to support sustainable finance and help accelerate transition to low-carbon economy is a great start. In this episode of One Vision, Theo and Bradley chat with Matthew Sekol, US Market Executive, Capital Markets, of Microsoft, on the key topics of our century, from ESG to the digital divide and the ethics around artificial intelligence.There is hope, but only if we act together — now.As we observe Earth Day, we have no other choice. We don’t have a second chance. See acast.com/privacy for privacy and opt-out information.

  • Automating the money movement and why it matters

    13/04/2021 Duration: 25min

    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.

  • Turning conversations into actions from diversity to customer centricity

    06/04/2021 Duration: 30min

    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 principle lessons of Beyond Good

    30/03/2021 Duration: 30min

    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.

  • Will banking (finally) be transformed?

    23/03/2021 Duration: 27min

    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 we build a bank that actually resonates? Let us be brilliant

    16/03/2021 Duration: 31min

    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.

  • Aging well is a right, not a privilege

    09/03/2021 Duration: 30min

    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 - the hotbed for fintech innovation

    02/03/2021 Duration: 49min

    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.

  • A ticket towards prosperity or a bottomless pit of debt

    23/02/2021 Duration: 25min

    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.

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