The Constraint Isn't AI — It's the Data. With Sarah Biller, Fintech Sandbox
episode
One Vision Podcast — Fintech, Banking, and AI with Theodora Lau
40 min
1 speaker
7 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
What is the focus of the conversation and who is the guest on this episode?
Oh Hello everyone, welcome back to a new episode at One Vision. This is Sil, your host for today's episode. Now, for those of you who are joining us, you're in for treat because finally, after gosh, at least 10 years, I don't know how that happened, but I finally am able to get Sarah. and I on the same wavelength and so I would love to bring in our guest Sarah Biller. She's the co-founder at FinTech Sandbox, Bank Director and Investor at ThreatBank. And honestly speaking, if you're in our space, I don't think Sarah needs an introduction. So thank you so much for joining us.
Oh Theo, I am so honored to be with you today. After years of mutual just sort of crossing paths and seeing one another, but more important, following your writings and your lifting up of people um in the financial services sector. So thank you for having me.
Oh, thank you. I appreciate you. I have admired you in the audience when you were you were on stage um recently in London. And I think that was you were absolutely infant meetup also. And I'm like, oh Sarah, I need to talk to Sarah. And next thing you know, either people swamping you or you just got whisked away and just things always happen. So next time I'll need to send in someone, I'm like, all right, this is my My time is to go away. I need to do that next time. I'll be more assertive. Yes. And the same. I will
we will do the same. But today we're together on your podcast. And it's amazing. Thank you again.
Thank you. So I wanna start off with asking you you built across some of the busiest and most concentrated ecosystems around the world, right? You've done a lot of important work. Um bringing in founders, fostering innovation, but you've also done that in I would say somewhere that's least expected. For example, West Virginia, where you were the co founder and executive director of Vantage Ventures. Now, I'll be honest, the last time I read about someone doing interesting innovation work in West Virginia was when I read um Brett Smith's book. When he was talking about Brad and Microsoft. But that's not a usual place. So you see um venture funding is not a usual place you try to bring in founders and bring in interesting ideas.
So tell us a little bit more.
Yeah, Theo, you actually just kind of named one of the North stars in the Appalachian ecosystem and Brad Smith. And um he's been a dear friend and mentor for for me for the last two decades. And that's a great example of an individual as chairman, CEO and then chairman of Intuit. Uh recognizing the power of FinTech to enable Um, layers in society that we don't see. If you think about into it for a minute in QuickBooks, the power it provides the small business owner. on par with what we might have in our fortune class uh companies as far as cash flow management, you know, ease and friction of making, you know, paying your bills. It's been extraordinary. And for me that was um that was certainly a a really a role model to head back to my home.
I'm a daughter of Appalachia. I'm also a West Virginian. And think about how to spend time in layers that most people don't see. And drive innovation. So whether it's my work in data, It's my work in the pipes and plumbings of the fin plumb you know, plumbing of fintech, um the fintech ecosystem, um, or in marginalized economies like you see in West Virginia. Where you have entrepreneurs who are very close to the problem.
How did Sarah Biller build an innovation ecosystem in Appalachia and West Virginia?
but may not have the same concentration of opportunity we have in our mature ecosystems, whether it's You know, fellow founders who have built high growth scalable technology companies. You know, the sparseness of a capital stack um i is a real challenge in the center of the country. Mentorship, um, not to mention customer access. But what is there and what is always there I think in the community you and I seek to lift up through our work. is the persistence and the grittiness and the talent of those entrepreneurs. Talent is really distributed across the country and across the globe. But the opportunity that we take for granted oftentimes is it is it.
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Chapters
7 chapters
1
What is the focus of the conversation and who is the guest on this episode?
0:01–3:57
2
How did Sarah Biller build an innovation ecosystem in Appalachia and West Virginia?
3:57–11:20
3
What traits does Sarah look for in fintech founders and why do they matter?
11:20–18:40
4
Why is data access and open‑banking the real constraint for AI in finance?
18:40–25:27
5
What’s the difference between AI hype and the human impact of AI on credit decisions?
25:27–27:41
6
How does agentic AI change relationship banking and what are the risks?
27:41–39:19
7
Why does friction matter in money and how can it improve financial inclusion?
39:19–39:58
Speakers
1 identifiedMore from One Vision Podcast — Fintech, Banking, and AI with Theodora Lau
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