Future of Business Podcast

What happens when one of the world's most important financial institutions embraces artificial intelligence? And what can business owners learn from its experience?On this episode of The Future of Business Podcast, Jay Dhillon sits down with William Lovell, former Head of Future Technology at the Bank of England, who spent nearly 30 years working at the intersection of technology, finance and critical payment infrastructure.William helped bring AI initiatives together at the Bank, worked on the renewal of the UK's high-value payment system and contributed to research into central bank digital currencies.In this conversation, he shares practical insights into how a major financial institution approaches AI adoption, protects sensitive data and prepares for a rapidly changing technological landscape.From the opportunities AI creates for businesses to the cybersecurity risks that come with greater digitisation, this is a conversation about what is changing, what matters and how to prepare.would be difficult to manage manually.The importance of AI policies: Why organisations should establish clear rules for using AI before problems arise, while creating an environment that enables responsible experimentation.Protecting sensitive data: How data classification, model selection and clear security requirements help organisations manage the risks of AI adoption.AI and the workforce: How AI can support accessibility, remove workplace drudgery and free people to focus on work where human judgement adds value.The future of digital money: What central bank digital currencies are, how they differ from commercial bank money and why a digital pound has been explored as a potential complement to cash.Cybersecurity and payment resilience: Why keeping systems secure, applying updates and preparing for disruption are essential to protecting financial infrastructure.AI and inflation: How AI could help analyse large volumes of economic information and support a deeper understanding of the pressures affecting households and businesses.Is AI in a bubble? William's perspective on the investment flowing into chips, models and data centres, and the uncertainty around how that investment will ultimately pay off.AI implementation in business: Why understanding your workflows and integrating AI effectively can matter more than simply choosing the most powerful model.The future of payments: How digitalisation and programmable payments could change the way money and assets move between people and businesses.What excites and concerns William about AI: The opportunity to improve productivity, alongside the growing importance of managing cyber threats.William Lovell is the former Head of Future Technology at the Bank of England. During nearly three decades at the Bank, he worked across technology, payment systems and emerging financial technologies, and helped coordinate its work on AI adoption.His experience provides a valuable perspective on how large institutions balance innovation with security, risk management and public trust.William Lovell on LinkedIn:https://uk.linkedin.com/in/william-lovell-boeBank of England:https://www.bankofengland.co.uk/Financial Conduct Authority — check a financial firm:https://www.fca.org.uk/consumers/fca-firm-checkerJay Dhillon:https://www.jay-dhillon.comIn this episode, we discuss:Key lessons for business ownersAbout William LovellConnect and learn more

The Future of Investing: How AI Could Unlock £10 Trillion in WealthWhat if AI could help millions of people overcome their fear of investing and build a better financial future?In this episode of The Future of Business Podcast, Jay Dhillon speaks with Tamara Kostova, Founder and CEO of AllVesta, about the future of investing, behavioural AI and the opportunity to help more people participate in wealth creation.Tamara has built her career across capital markets, banking and financial technology. After working with major financial institutions and founding an earlier wealth-tech venture, she identified a fundamental problem: making investing accessible doesn't necessarily mean people will invest.Fear of losing money, a lack of confidence and limited financial education can prevent people from taking the first step even when they have money sitting in savings accounts.Now, through AllVesta, Tamara is developing AI-powered behavioural intelligence to help financial institutions understand customers more deeply, personalise their investing journeys and encourage healthier long-term financial habits.We explore the potential to put Europe's vast pool of idle household cash to more productive use, why financial education should start in childhood, and how AI could change the relationship between people, their money and the financial services industry.We also discuss building AI-native businesses, the importance of trust and distribution, and how greater retail investment could help fund the next generation of entrepreneurs.The future of investing: Why the next major shift could be about understanding investors rather than simply selling financial products.The £10 trillion opportunity: The scale of idle cash discussed in the interview and its potential significance for Europe's financial markets.AI and behavioural psychology: How AI could help identify the fears, motivations and circumstances influencing financial decisions.Turning savers into investors: Why access to investment platforms alone isn't enough to change behaviour.The power of compounding: Why starting early and thinking long term can transform the way people approach wealth.Financial education for children: Why healthy money habits and investing education should begin much earlier.Building an AI-native business: How founders can use AI to build leaner companies and scale more effectively.The future of fintech: Why personalised customer journeys could become more important than traditional product-led approaches.Funding entrepreneurship: How retail investment could support innovation and growing businesses.AI, trust and human connection: Why communication, creativity and relationships will remain essential as technology advances.The future of work: Tamara's perspective on using AI to improve people's lives rather than focusing only on fears about automation.Tamara Kostova is the Founder and CEO of AllVesta, a fintech company focused on using AI and behavioural intelligence to help financial institutions engage savers and support their transition towards investing.Drawing on her experience across capital markets, banking and wealth technology, Tamara is working to address the psychological barriers that prevent people from taking control of their financial futures.Her vision is to use AI to make investing journeys more personalised, build confidence and help more people develop healthier long-term financial habits.The future of investing may depend on more than access to technology. It may depend on understanding people, building trust and helping them overcome the fears that stop them taking action.As AI makes personalisation possible at greater scale, financial services have an opportunity to move beyond simply selling products and start supporting people throughout their financial lives.Connect with Tamara and JayTamara Kostova — LinkedIn:Jay Dhillon — website:https://www.jay-dhillon.com

Oman Is Building Its Own AI: Inside the Race for Local, Private & Secure AI with Khalil Al SinawiWhat happens when a country decides it needs its own AI infrastructure?In this episode of the Business Mentor Podcast, I’m joined by Khalil Al Sinawi, COO of Engine AI Oman, to explore the rapidly developing AI landscape across Oman and the Middle East.Khalil spent almost 13 years working in Petroleum , primarily in contracting, procurement and supply chain, before moving into AI. His journey into the sector began in 2018, long before the current explosion in generative AI.Today, his team is building Chat Engine, a locally focused AI platform designed around privacy, data security, Arabic language capabilities and the cultural needs of the region.In our conversation, we discuss:• Why Khalil moved from oil & gas into AI• Why he believes businesses are “losing their memory”• Building a local AI alternative for Oman and the Middle East• Why data privacy and security are becoming increasingly important• Hosting data inside Oman and offering on-premise deployment• The importance of Arabic-native AI and cultural context• Where AI adoption is accelerating across oil & gas, healthcare, government, logistics and marketing• Whether AI will replace jobs or make people significantly more productive• Why Khalil sees AI becoming more like a “companion” than an assistant• The AI tools Khalil uses himself• How a startup registered in 2025 has already developed its own AI product• His advice for entrepreneurs looking to build an AI business• What excites him about AI — and what genuinely concerns him• The importance of ethical AI and stronger governanceOne of the biggest themes from our conversation is that the future of AI may not simply be dominated by a handful of global platforms.There could be a growing demand for local AI built around local languages, cultures, regulations and data requirements.Khalil's advice to entrepreneurs is equally relevant: talk to people, share your ideas, test quickly, learn from what doesn't work and build a team that complements you.You can find out more about Chat Engine at chatengine.com, which Khalil says is currently available online and on Android.Listen to the full episode to hear Khalil's vision for the future of AI in Oman, the Middle East and beyond.

Are we trapped in an AI valuation bubble, or are we just scratching the surface of a multi-trillion-dollar technological shift?In this episode of The Future of Business Podcast, host Jay Dhillon sits down with venture capitalist, deep-tech entrepreneur, and founder of Axiom Innovations, Sergey. From analyzing early-stage startups in Silicon Valley to pioneering contact-free holographic interfaces and investing in physical robotics, Sergey shares an unvarnished, insider view on where institutional capital is moving—and how real businesses can separate speculative hype from practical bottom-line growth.Key Topics Discussed:The VC Filter: What tier-one investors look for in pre-revenue founders and why market size dictates unicorn potential.The 3 Stages of AI: The progression from Generative AI to Agentic AI, and why Physical AI (robotics and autonomous real-world hardware) is the true endgame.Hardware & Holographic Innovation: How Axiom Innovations is deploying touchless holographic tech to solve real-world hygiene constraints in surgery and streamline customer touchpoints in retail and banking.The Truth About Robotics: Why humanoid domestic robots are still years away, while warehouse automation, pipeline inspections, and perimeter security are scaling rapidly today.Practical AI Implementation for SMEs: How small businesses can eliminate operational bottlenecks, leverage vibe-coding platforms, and launch MVPs within 24 hours.Data Security & Privacy: Best practices for deploying local AI agents and private cloud architecture to protect proprietary customer data.Tools & Resources Mentioned:Vibe-Coding & Development: Lovable.devAvatars & Synthetic Voice: HeyGen, ElevenLabsResearch & Frontier Models: Perplexity, Claude, ChatGPT, KimiConnect with Sergey & Resources:LinkedIn: Sergey (Axiom Innovations)Newsletter: AI Capital NewsletterInstagram: @SergeyTheVC

Welcome to another episode of The Future of Business. Today, we dive into how artificial intelligence is actively breaking down the barriers of a slow-moving medical system. I am joined by Andy Moye, a former Navy pilot with a PhD in health economics who previously led Page to secure the first-ever FDA approval for AI in cancer pathology. Now serving as the CEO of GlidePath Health, Andy is building AI platforms to untangle the complex logistics behind advanced cell and gene therapies. We discuss the alarming 14-year technology adoption lag in healthcare, the devastating impact of administrative waste, and how AI orchestration will drastically shorten the time it takes for patients to receive life-saving treatments.Key TakeawaysCancer diagnosis still relies heavily on manual pathology methods that have remained fundamentally unchanged since the mid-1800s.The healthcare industry suffers from a massive adoption lag, where cutting-edge technology often takes up to 14 years to become standard practice.System backlogs have historically forced patients to wait 40 to 50 days just to receive a critical cancer diagnosis.Groundbreaking, curative cell and gene therapies like CRISPR and CAR T are severely bottlenecked by manual scheduling processes, spreadsheets, and phone calls.GlidePath Health is developing an enterprise AI orchestration platform to fully automate these logistical workflows, ensuring patients are treated faster to improve outcomes.Deploying AI in healthcare requires immense trust, rigorous data protection, cybersecurity compliance, and 99.9999% system uptime to ensure patient safety.Links & ResourcesGuest Website: AndyMoye.comBook: From Bunker Hill to the Boardroom: Battle Tested Leadership for Today's Executives by Andy MoyeConnect with Andy: LinkedIn

In this episode, Jay Dhillon sits down with Floyd Woodrow MBE DCM, a former SAS major and chairman of Quantum Group. Floyd applies elite military strategy to scaling high-growth tech ventures and is a pioneer in AI-driven performance coaching. Together, they explore how leaders can build resilience, attract top-tier talent during technological disruptions, and leverage AI to elevate—rather than replace—human potential. Key Takeaways·       Military Transition & Business Resilience: Floyd discusses the entrepreneurial nature of the Special Air Service and why transitioning into business requires ongoing growth, adaptability, and the right coaching. ·       The "Super North Star": Learn about Floyd's framework for finding your ultimate guiding purpose, which aligns values, strategy, and resilience to navigate life and business. ·       AI as an Elite Tool: Floyd explains that AI is far from replacing human intelligence; rather, it is a tool meant to eliminate bureaucratic administration and give leaders back their most precious commodity—time. ·       Data Security & Sovereign AI: A critical look at why heavily regulated industries must protect their data, and the growing global necessity for sovereign AI systems. ·       Redefining Education: Floyd shares his passion for engaging children's curiosity and shifting education away from rigid academic testing toward holistic human development. Relevant Links & Resources·       Websites: Explore more at Compass4life.com and Compass4life.co.uk. ·       Connect: Reach out to Floyd Woodrow on LinkedIn. ·       Floyd's Books: Be sure to check out Elite, The Warrior, The Strategist and You, and his children's sci-fi book Jesse Garges: The Compass. ·       Associated Companies: Learn more about Floyd's ventures including Financial Holdings (Volopa, Verve), Valkyrie (cyber security), Forensic Control, Tempus Magazine, Super North Star, and Enlightened.

In this episode of The Future of Business Podcast, Jay Dhillon sits down with veteran AI architect Jitendra Devabhaktuni to solve the biggest bottleneck in enterprise artificial intelligence: data privacy. Jitendra explains how businesses can utilize synthetic data systems to train and test powerful AI models without ever touching a single piece of real customer information.Key Takeaways:Discover why training AI on synthetic data is exactly like using a flight simulator to safely train pilots.Learn how the banking industry takes fraud transactions—which make up less than 1% of data—and multiplies them into millions of records to proactively train AI models.Understand how synthetic data enables life-saving research on rare cancers when access to real patient data is restricted.Find out why the EU AI Act is shifting from a roadblock into an accelerator, pushing enterprises toward synthetic data solutions.Hear why the modern AI advantage is no longer about having the most intelligent language model, but having frictionless access to data.About the Guest: Jitendra Devabhaktuni spent over 20 years managing digital transformations and ERP programs for large enterprises. He is the founder of LagrangeData.ai and the creator of the Synthol suite, which includes Synthol DB, Synthol Dataset, and Synthol Data Shield.Links & Resources:Try the free tier of Synthol (up to 5 data sets): synthhall.aiContact the LagrangeData team: [email protected]

In this episode, we sit down with Marco Landi, the former President and Chief Operating Officer of Apple Computer. Marco shares the inside story of how he turned a $300 million loss into a profit in just 12 months, the strategic decision to bring Steve Jobs back to the company, and his transition into the world of artificial intelligence. We break down exactly why Apple fell behind in the AI race, the future of AI in digital media, and the massive untapped opportunities for founders building AI solutions today.The AI Data Goldmine: Small and medium-sized enterprises should focus on building Small Language Models (SLMs) using their own proprietary data rather than relying entirely on large, public LLMs.Compliant AI Platforms: There is a massive market gap for AI media platforms and studios built entirely on legally compliant, "agreed" data to protect creators from copyright risks.The Future of Digital Media: The democratization of film production means anyone with a great story can compete globally using generative AI tools.Connecting the Dots: The decision to acquire NextOS over BeOS not only brought Steve Jobs back but fundamentally changed the trajectory of global technology.00:00 - Welcome Marco Landi to the podcast.02:05 - Turning Apple around: How Marco shifted a $300M loss into a profit.05:35 - The inside story of bringing Steve Jobs back to Apple.10:18 - What it was really like working alongside Steve Jobs.11:38 - Why Apple completely missed the AI revolution.12:00 - What Steve Jobs would have built with AI technology today.14:10 - Transitioning from Texas Instruments to pioneering AI expert systems.17:37 - Launching the World AI Cannes Festival and the World AI Film Festival.20:00 - How traditional business founders must navigate the AI revolution.21:20 - Why protecting your company’s internal data is crucial for AI integration.30:00 - The biggest unchartered business opportunities in the AI sector right now.38:52 - Preparing the next generation for an AI-native world.Book: Connecting the Dots by Marco Landi.Events: World AI Cannes Festival & World AI Film Festival.Connect with Marco Landi: Follow his latest updates and AI initiatives on LinkedInKey Takeaways & Business OpportunitiesEpisode TimestampsResources Mentioned

AI Has a Problem And Most Businesses Don’t Understand ItAI is moving faster than most businesses can keep up with.But according to Giancarlo Erra, the biggest problem with AI isn't necessarily the technology.It's understanding it.In this episode of the Future of Business Podcast, Jay Dhillon sits down with Giancarlo Erra Lead AI Consultant at Altaire, technology entrepreneur, AI strategist and technology professional with more than 25 years of experience.Giancarlo has spent years helping businesses understand and implement emerging technology, and his perspective on AI goes well beyond the usual hype.We discuss what AI really is, why it can appear intelligent without actually understanding what it's saying, and why businesses need to slow down and understand the technology before rushing to implement it.Why AI isn't actually as new as many people thinkWhat really changed when ChatGPT arrivedWhy generative AI became so transformativeThe biggest problem Giancarlo sees when working with businessesWhy knowledge and understanding are more important than simply having access to AIWhy businesses are moving from being afraid of AI to feeling they desperately need itWhy enthusiasm for AI can actually become a problemWhy giving employees AI tools isn't enoughThe importance of training your people before implementing AIHow AI actually works — explained in simple termsWhy AI can produce convincing but incorrect answersWhy you should never blindly trust AIThe importance of context when using AIHow businesses can get better returns from AIWhether AI will replace jobsWhy AI could have a major impact on young people entering the workforceWhy education needs to changeWhy soft skills could become the new hard skillsThe importance of critical thinking, communication and reasoningWhether we're currently experiencing an AI bubbleWhat excites Giancarlo about the future of AIWhat concerns him most about where AI is headingThe AI race isn't simply about who adopts AI first.It's about who understands it well enough to use it properly.As Giancarlo explains during the conversation, businesses can move extremely quickly towards AI while the people actually expected to use it haven't caught up.That gap could become one of the biggest challenges — and opportunities — for businesses over the next few years.Giancarlo Erra is a technology entrepreneur, AI strategist, public speaker and Lead AI Consultant at Altaire, with more than 25 years of experience in technology.He has worked with businesses on AI, technology and digital transformation and has delivered AI training to organisations looking to understand how to use the technology effectively.Website:https://giancarloerra.coLinkedIn:https://www.linkedin.com/in/giancarloerra/Altaire:https://altaire.comAltaire AI Workshops:https://altaire.com/ai-workshops/Hosted by Jay Dhillon, the Future of Business Podcast explores AI, entrepreneurship, technology, business and the people shaping what comes next.🎙️ Listen/watch the full episode now.#AI #ArtificialIntelligence #FutureOfBusiness #Business #Technology #EntrepreneurshipIn this episode:The big takeawayAbout Giancarlo ErraConnect with GiancarloFollow the Future of Business Podcast

Most companies are sleepwalking into AI disasters without realizing it. In this eye-opening episode, tech pioneer David Wood reveals how past failures in the smartphone industry offer crucial lessons for navigating the AI revolution before it’s too late. From Silicon Valley’s missed opportunities to the Boeing disaster, David uncovers the patterns that could predict and prevent the next big catastrophe in AI safety and ethics.You’ll discover:The real reasons why companies like Nokia and BlackBerry missed the AI wave and how they can avoid similar pitfalls today.The crucial role of industry transparency, whistleblowing, and government regulation in safeguarding data and preventing system failures.Why large tech firms like Apple risk falling behindand how their culture of secrecy hampers progress in AI development.The risks of unchecked AI deployment in critical sectors like healthcare, finance, and military, and how we can prepare for a ‘Boeing moment’ in AI safety.Practical strategies for small businesses to integrate AI safely and effectively, leveraging domain expertise and reverse mentoring.How education, resilience, and collaboration are vital for individuals and organisations to future-proof themselves in this fast-changing landscape.This episode is essential listening for entrepreneurs, business leaders, policymakers, and anyone serious about mastering AI's power while avoiding its pitfalls. With his unparalleled experience in mobile tech and futurism, David Wood provides a grounded, urgent call to action because the next few years will determine whether AI elevates society or leads us into uncharted risks.Get ready to rethink what’s possible—and what’s life-threatening if we don’t act now. This isn’t just a technological shift; it’s a societal revolution, and your business, your safety, and your future depend on understanding it today. Stay informed, stay prepared.Connect with David Wood and learn more:London Futurists — ⁠LondonFuturists.com⁠Books & Resources — ⁠DeltaWisdom.com⁠Podcast — ⁠ https://londonfuturists.buzzsprout.com/