The Irish Tech News Podcast

What happens to a deposit when the account holder dies — and why are banks so unprepared for the one moment they know is coming?
In this episode of the One Vision Podcast, Theodora Lau sits down with Martha Underwood, Founder and CEO of Prismm and author of the new release: The Death of Deposits. Drawing on 25+ years across IBM, Silicon Valley, and BBVA Compass, Martha talks about the unspoken assumption in banking — that the user will always be there — and how that assumption is now colliding with the largest generational wealth transfer in history.
Together, Theo and Martha unpack the retention illusion, why the beneficiary field is the richest unused lead list sitting inside every bank's core, and why deposit attrition at death is an infrastructure problem, not a marketing one. They dig into the operational reality, the cultural reality, and the human reality, and why AI's real job is orchestration under pressure (not more automation). 
A deeply human conversation about deposits, design, and what it really means to extend a banking relationship beyond a single account holder.
 
📍Hot take: “You cannot out-campaign demographics.”
📍Hot take: "If you don't design for the transfer, you're going to lose the relationship."
Keywords: AI, Wealth transfer, Wealth management

More about our guest 
🌐Martha Underwood on LinkedIn: https://www.linkedin.com/in/marthaunderwood/ 
📘 The Death of Deposits by Martha Underwood: https://a.co/d/07TBuFvC 

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

Irish Tech News is at Dublin Tech Summit and over the 2 days Ronan will be doing various podcasts. Our sixth and last podcast is with John Wilson CISO and President of Forensics at HaystackID, and Jeff Shapiro Managing Director of Europe  at HaystackID. John and Jeff talk to Ronan about their backgrounds, what Haystack does, their Dublin Tech Summit talk and AI deep fakes.

Irish Tech News is at Dublin Tech Summit and over the 2 days Ronan will be doing various podcasts. Our ffith podcast is with Alvina Antar Chief Digital Officer at F5, an American technology company providing global scale and industry-leading converged application delivery and security platform offering unrivaled insight into the challenges and threats facing modern and legacy apps in the AI era.
Alvina talks to Ronan about her background, embracing new technology, what F5 does, AI and getting the Grace Hopper award the night before Dublin Tech Summit started.

Irish Tech News is at Dublin Tech Summit and over the 2 days Ronan will be doing various podcasts. Our fourth podcast is with James Kretchmar SVP and CTO of Cloud Technology at Akamai the cybersecurity and cloud computing company that powers and protects business online. James talks to Ronan about his background, what Akami does, cloud outages and AI.

In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.
Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.
At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.
Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.

📍Hot take: "The only certainty is uncertainty."

Keywords: Fintech, Financial Services, Startup, VC, Hong Kong, SME

00:00 Welcome and Guest Intro
01:06 The Backstory
05:15 From HSBC to Startup 
11:02 Expectations versus Reality 
18:41 Working Capital Matters
36:24 Hong Kong’s Strategic Role
40:11 Closing and Takeaways
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More about our guest 
🌐Hay Yip on LinkedIn: https://www.linkedin.com/in/hayyip/ 

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 
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