Guest Bio: Theodora (Theo) Lau is the founder of Unconventional Ventures, a public speaker, and an advisor. She is the co-author of Beyond Good, and host of One Vision, a podcast on fintech and innovation. Her monthly column on FinTech Futures explores the intersection of financial services, tech, and humanity. She is also a regular contributor for top industry events and publications, including BBC News, Finovate, American Banker, and Journal of Digital Banking.