The Irish Tech News Podcast

Every few years someone tells us banking is about to be disrupted. It never quite happens. 
So when Dharmesh Mistry and Lou Carlozo came on to talk about their new book, The Intelligent Ledger, I asked: Why is this time different?
Dharmesh's take? Banking has adopted plenty of individual technologies, from mainframe to client-server, internet, mobile, cloud. None of them disrupted anything. But the iPhone didn't win by being a better phone. Nokia was building a better phone. Kodak was building a better camera. Garmin was building a better GPS. The iPhone was all of them at once, and the market reorganised around it in under five years.
His claim is that banking now has its own version of that convergence — what he and Lou call the Quanvergence: open, accessible data; agentic AI; tokenisation; and quantum, arriving together rather than in sequence. Not the best AI bank. Not the best tokenised rails. All of it, in one place. 
So platform or pipe? And who will win? 
📱The Intelligent Ledger ships at the end of September from Palgrave Macmillan.

Hot take 🔥"Banks have already chosen pipe, but they're not admitting it. Nobody wants to hear it. If you're selling products and that's all that you're doing, you're making your money from margin on a product — that makes you a pipe. So just admit it and get on with it." — Dharmesh Mistry
Hot take 🔥"Change or die by 2032." — Lou Carlozo

🎧 Listen now wherever you get your podcasts.

Keywords: Fintech, Financial Services, Agentic AI, AI, Quantum, Digital Transformation, Tokenization 

Timestamp:
00:00 Welcome and Guests
00:50 Introducing The Intelligent Ledger
03:29 Why Five Years
06:58 Convergence and Platform Shift
09:31 Skepticism and CEO Courage
13:38 Four Forces 
17:10 Small Banks Can Compete
22:05 Bold Claims and 2032 Deadline
34:37 Release Dates and Where to Buy

More about our guests 
🌐Dharmesh Mistry on LinkedIn: https://www.linkedin.com/in/dharmeshmistry2020/ 
🌐Lou Carlozo on LinkedIn: https://www.linkedin.com/in/loucarlozo/ 

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

Alli AI, an AEO and SEO automation and white-label platform, recently published a really interesting white paper about invisibility for Fortune 500 companies, and the problem is true for European companies too, including Irish ones and could be a huge revenue depressor.
Alli AI has also released a Chrome extension that shows how visible websites are to AI. For example, if you run Costco through the Chrome extension you get 7 percent visibility. In Ireland the number is even worse with Musgrave Marketplace getting 1 percent visibility. To find out more about this I spoke to Kyle Duck the founder and CEO of Alli AI.
Kyle talks about his background, AI,  Alli AI Crome extension, Cloudflare and more.
More about Kyle Duck:
Kyle Duck is the founder and CEO of Alli AI, an AEO and SEO automation and white-label platform. Alli AI has served over 26,000 companies, from agencies to enterprise teams. Kyle's recent work focuses on how the internet is splitting between serving the needs of humans vs AI agents. 
Alli AI and Kyle have been featured in Forbes, Yahoo Finance, Hubspot, ClickUp, Search Engine Land, Search Engine Journal and more.

A new digital healthcare approach, developed by patientMpower, an Irish digital health company specialising in solutions for remote patient monitoring, has been found by independent researchers to reduce health service costs by 92% and cut outpatient appointments by 80%.     
 
The results were confirmed in a randomised controlled trial conducted by researchers in Manchester University NHS Foundation Trust and The University of Manchester.     
To find out more about this I spoke to Eamonn Costello, CEO of patientMpower. Eamonn talks about his background, what patientMpower does, wearable devices, and more.
More about patientMpower:
patientMpower is a specialist provider of digital healthcare solutions, initially founded by CEO Eamonn Costello in 2015, following his own experiences in caring for his father.
Their mission is to empower patient-centred specialist healthcare and data insights through digital innovation.
Today, patientMpower enables clinical care and research in diverse condition types, empowering thousands of patients, in centres across the US, UK and EU. But those founding principles of innovation, patient-centricity and partnership remain central to their work.

Here at Irish Tech News we love hearing about new Irish tech, websites, apps and startups. A new Irish website that caught our interest is Irish Grants & Supports, a free online website that brings  all the grants, payments and supports together in one place and make them easier for people to find. I recently caught up with Dan O’Hara the  founder of Irish Grants & Supports to find out more.
Dan talks about his background, how he started Irish Grants & Supports. and more.
More about  Irish Grants & Supports:
Irish Grants & Supports went live two months ago and in the first few weeks and it's already had over 800 questions from 15 countries, with hundreds clicking straight through to start a claim. People in Ireland and right across the diaspora are using it daily. Irish Grants & Supports can also be found on Instagram.

🎙️Agentic Commerce's Real Bottleneck Isn't the Technology — with Jas Shah
A year and a half ago, agentic commerce was going to change everything. Type a prompt, get a package. So what actually happened?
In this episode of One Vision Podcast, Theodora Lau sits down with fintech product expert Jas Shah for a clear-eyed look at where agentic commerce really stands. The technology has mobilized, but as Jas puts it, becoming ready is not the same as being ready. Disputes, chargebacks, and fraud liability haven't been solved for a world where transaction volume could rise exponentially. And consumer behavior hasn't moved at all: they will use AI for discovery, then still tap Apple Pay to buy. 
The conversation turns on a single test: utility. Where an agent removes genuine administrative burden, it wins. Where the person actually wants to choose, it doesn't. Which is why Jas argues the real early adopters are businesses: inventory systems, product codes, predictable repeat purchasing, and a procurement decision that comes down to price and delivery speed. 
Ready for a bold bet for 2030? It involves a wallet … 

💬Hot take: "The tech is becoming ready, but I don't think anyone can say it's ready yet."
🎧 Listen now wherever you get your podcasts.

Keywords: Fintech, Financial Services, AI, Agentic Commerce 

Timestamp:
00:00 Welcome and Intro
00:57 Agentic Commerce Reality Check
04:45 Trust and Value Exchange
08:55 Why Businesses Adopt First
11:29 Authorization and Fraud Guardrails
13:22 PSPs and Wallets Strategy
17:27 What People Get Wrong
19:23 Agentic Finance for SMEs
24:37 Personal Finance Utility
27:18 Bold Bet for 2030

More about our guest 
🌐Jas Shah on LinkedIn: https://www.linkedin.com/in/jas-shah/ 

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