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AI as the Operating System: Inside bunq's AI-Native Approach to Fintech
Description
While the conversation around AI often centers on automation and efficiency, the real opportunity lies in AI’s ability to act as a decision-making layer. In this episode of One Vision podcast, Theodora Lau hosts Bianca Zwart, Chief Strategy Officer at bunq, to unpack what it truly means to be AI-native. For bunq, AI isn't a feature bolted onto an existing model. It's the operating system. Bianca shares how bunq's obsession with the user experience drives every technology decision. The conversation also explores what's next for agentic AI — and why the future isn't about AI taking over, but about making users smarter supervisors of their own financial lives.
Plus: bunq's bold move into the US market, the needs of the people navigating life on both sides of the Atlantic, and why Bianca believes trust — not technology — is ultimately the only thing that matters.
📍Hot take: “... the first question that you always need to answer is, what is in it for the user?”
📍Hot take: “You can copy features. But you cannot copy DNA (of a company).”
00:00 Welcome and Introductions
00:47 Why bunq Is AI Native
03:42 Meet Finn GenAI Platform
08:26 US Expansion Strategy
13:00 User First AI Mindset
18:39 Privacy Trust and Transparency
22:10 AI Fraud Prevention Journey
24:11 What Keeps Bianca Going
27:20 Closing and Farewell
Keywords: AI, Fintech, User Experience, Banking Industry, User Centricity, GenAI, AI Ethics, AI in Banking, Fraud
More about our guest
🌐Bianca Zwart on LinkedIn: https://www.linkedin.com/in/bianca-zwart/
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
One Vision Podcast is a fintech, banking, and AI podcast hosted by Theodora Lau (Founder, Unconventional Ventures; author of Banking on (Artificial) Intelligence). One Vision goes beyond the headlines on AI, agentic commerce, digital banking, financial inclusion, and the future of money — with founders, analysts, venture capitalists, technologists, and operators building the next chapter of financial services. New episodes weekly. Featured guests include leaders from Ant, bunq, J.D. Power, Forrester, IBM, Microsoft, Salesforce, SAS, SAP, and Wall Street Journal. Recognized in American Banker's Top 20 Most Influential Women in Fintech.
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