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.


  • Real-Time Payments: The new wave of payments innovation is here

    05/10/2021 Duration: 23min

    We have seen a tectonic shift across industries and business models during the pandemic. How businesses adapted to the changes on the ground was a stress test in real time. As customer behavior changed, payments changed along with them, seeing a rapid rise in contactless at point of sale and new ways to pay for all types of services via mobile and online checkouts. In looking to demystify how payments -- especially real time payments -- have changed, this week Theo and Bradley speak with Ginny Chappell, Senior Vice President, Fintech Leader, Digital Payments and Banking at FIS, about how their RealNet real time payment network will connect and empower a new wave of payment experiences. See acast.com/privacy for privacy and opt-out information.

  • The community impact of our economic first responders

    28/09/2021 Duration: 26min

    How can the financial services ecosystem play a bigger role in creating a more equitable future? Community Development Financial Institutions (CDFIs) are economic first responders that help remove barriers to economic equity and help improve the lives of people in our most underserved communities. Tune in to this episode of One Vision as Theo and Bradley speak with Catherine Berman, CEO and Co-Founder of CNote, about levelling the playing field during a pandemic, how their Wisdom Fund provides access to capital and lending for women-owned businesses, and how their Promise Account helps insured financial institutions with deposits targeting both competitive returns and positive social impact. See acast.com/privacy for privacy and opt-out information.

  • With data, comes power. But what about responsibility?

    21/09/2021 Duration: 42min

    Those who have the data hold the power. But who owns the data? And how could we better leverage the benefits of financial data and technology to ensure that financial services are delivered in a fair, ethical, compliant, and more evenly competitive landscape? It will require more of the financial ecosystem to embrace open banking standards and put the needs of consumers front and center. Tune in to this episode of One Vision as Theo and Bradley speak with Ghela Boskovich, Regional Director and Head of Europe at Financial Data and Technology Association, about unlocking the value around financial data and where new data standards are headed. See acast.com/privacy for privacy and opt-out information.

  • It’s the fintech groundhog day

    14/09/2021 Duration: 38min

    Have we truly fulfilled the promise of fintech? How do you look beyond what is easy and serve communities who have long been ignored by traditional financial services, such as migrants? What is best for the greater good? How do we create change at scale?Perhaps the only way to unbake systemic racism within financial services is to change the ingredients and those that are preparing the meal, as well as for whom we are preparing the meal. Everyone deserves a seat at the table.In this week’s One Vision, Theo and Bradley welcome Nina Mohanty back on the show to talk about her new brainchild, Bloom Money, an app that is “built by migrants, for migrants”. See acast.com/privacy for privacy and opt-out information.

  • Welcome to the age of embedded finance, where the financial services battlefield has moved from branches to point-of-sale

    07/09/2021 Duration: 32min

    Can we make embedding finance into apps and customer journeys as simple as drag and drop? While no one would go to Ikea for the sole purpose of opening a bank account, they might need payment installment services during checkout. The new breed of technology platform players (BaaS) has made offering such services much more cost effective and less complex for big brands and retailers. Welcome to the new world where nearly every aspect of traditional banking can simply be an invisible feature of another industry’s customer experience. In this episode of One Vision, Theo and Bradley chat with Shaul David, Head of Banking, Growth at Railsbank on the future of financial services, the role of technology, and the era of embedded finance. See acast.com/privacy for privacy and opt-out information.

  • It’s a good time for a restart

    31/08/2021 Duration: 34min

    The old adage says to make hay when the Sun shines, but what do you do when the skies are grey? With this ongoing pandemic and the spectre of uncertainty surrounding it, being a startup founder has never been more challenging. How can startups look at these moments of uncertainty as moments of opportunity? In this episode of One Vision, Theo and Bradley chat with Arun Krishnakumar about his new book, Restartup, co-written with Maxson Tee, where they address how moments of crisis can be a time that startups can truly thrive. Arun walks us through their collection of case studies, in-depth interviews of VCs, CEOs, and academics, and their framework that startups can use to survive any storm. See acast.com/privacy for privacy and opt-out information.

  • Connecting wealth, health, and everything in between

    24/08/2021 Duration: 31min

    When it comes to planning for your finances, who do you turn to? Friends? Family? Colleagues? Or the Internet? With global fintech investment reaching US$98 billion across 2,456 deals in the first half of 2021 alone, one would have thought that planning for longevity wouldn’t be such a shot in the dark. In this episode of One Vision, Theo and Bradley chat with Rhian Horgan, Founder and CEO of Silvur, about the state of retirement planning today and her journey towards helping baby boomers navigate retirement. See acast.com/privacy for privacy and opt-out information.

  • The fintech party is just getting started

    17/08/2021 Duration: 40min

    While the promise of flying cars might not have materialized, plenty has transpired in the startup space, at least in fintech. From investing to payments and super apps, from Asia to Latam and Africa, startups have raised record-level of funds. While it might seem consumers have a myriad of choices (just take a look at your smartphone), do we truly have the right solutions to the day-to-day challenges we face? In this episode of One Vision, Theo and Bradley chat with Ben Soppitt, co-founder and CEO of Unifimoney, on entrepreneurship, culture, and the art of automating wealth management. See acast.com/privacy for privacy and opt-out information.

  • Mental health is a privilege

    10/08/2021 Duration: 33min

    Entrepreneurship is a stressful journey - and often, a lonely one; and oftentimes it might seem nearly impossible to balance the demands of the business and your own well-being. As an industry, we put a lot of emphasis on grit and celebrate sky high valuations and hockey stick growth, without pausing to think about the toll on the entrepreneurs. While the financial impact of startups in worldwide economies is widely reported, few focus on the impact on entrepreneurs’ mental health, an often taboo topic in our society and in boardrooms. In this episode of One Vision, Theo and Bradley chat with Kent Vorland, CEO of SimplyPayMe, on payments, financial inclusion, the great divide between cultures, and the need to take care of the humans. See acast.com/privacy for privacy and opt-out information.

  • One size doesn’t fit all — even in the days of digital banking

    03/08/2021 Duration: 32min

    When was the last time you actually spoke with a customer and asked how you could help them? No — we don't mean a survey or through a video chat, but actually meeting and talking to one of your customers. Even in the days of digital banking, there is always going to be a need for physical space and human interaction. We might still need a branch or two. Or even physical money. In this episode of One Vision, Theo and Bradley chat with Jim Perry, Senior Strategist at Market Insights Inc., on why bankers need to get outside their bubble a bit more. Road trip anyone? See acast.com/privacy for privacy and opt-out information.

  • Never a dull moment in fintech

    27/07/2021 Duration: 32min

    From payments and embedded finance to wealthtech and crypto, there is never a dull moment in the land of fintech. And there is no sign that the activity is waning. According to CB Insights, Q2 FinTech startups picked up $30.8B, growing 30% quarter-to-quarter. Year-to-date funding exceeded 2020’s total by 24%. Southeast Asia and Latin America, in particular, have seen great momentum in recent months. In this episode of One Vision, Theo and Bradley chat with Jason Mikula on the wild wild west of fintech, what it feels like to live in the Netherlands, and the latest with his brilliant Fintech Business Weekly substack newsletter. See acast.com/privacy for privacy and opt-out information.

  • Innovation is value neutral; it’s our collective responsibility to build technology that works for all

    20/07/2021 Duration: 31min

    As the saying goes, “I have not failed 1,000 times, I have successfully found 1,000 ways that will not make a light bulb.” This — or some version of it — is often credited to Thomas Edison, on his quest to come up with an efficient incandescent lamp. As we look back at past innovations, and marvel at the ingenuity and perseverance of scientists and entrepreneurs, what inspires you? And how do our lived experiences influence the paths that we choose to follow and what values we hold dear? In this episode of One Vision, Theo and Bradley chat with Emeka Nwonu about his past, present, and future — from Nigeria, UK, and beyond See acast.com/privacy for privacy and opt-out information.

  • The future is agile: the time to take responsibility for our future is NOW.

    13/07/2021 Duration: 29min

    Let’s talk about debt. Not financial debt. Not technical debt. But human debt — “the equivalent to Technical Debt but for people”, according to Duena Blomstrom, author of the latest book, “People Before Tech: The Importance of Psychological Safety and Teamwork in the Digital Age”.  As the saying goes, people are your greatest asset. For any digital transformation projects to succeed, beyond the tech stack, merely having smart people on the team isn’t sufficient; we also need to take care of them. They need to feel motivated, valued, and respected. In this episode of One Vision, Theo and Bradley chat with Duena about her latest book and the importance of doing the people work. See acast.com/privacy for privacy and opt-out information.

  • 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.

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