Helping you make sense of going Cashless | Best-selling author of "Cashless" and "Innovation Lab Excellence" | Consultant | Speaker | Top media source on China's CBDC, the digital yuan | China AI and tech

As a best-selling author and consultant, I combine my passion for fintech, AI, and innovation with my extensive experience in the banking industry and the Asian market. I wrote two No. 1 international bestsellers, "Cashless: China's Digital Currency Revolution" and "Innovation Lab Excellence," that provide insights, strategies, and practical solutions for the digital transformation of the financial sector. I have also been a top media source and speaker on China's digital yuan and mobile payments, sharing my firsthand knowledge and analysis of the world's most advanced cashless society.

With over 25 years of experience in risk management, structured credit, and debt financing, I deeply understand fintech and AI's challenges and opportunities for the banking industry. I have worked with start-ups and established insurance and asset management players, helping them navigate the uncharted waters of the latest cognitive, AI, blockchain, and analytic technologies. I have also led and contributed to multiple innovation labs and projects across Asia, applying the latest IBM technologies to real-world problems our banking clients face. I am a tireless evangelist for using technology to democratize access to financial markets and to enhance customer experience and value.

Richard Turrin

Accenture sees six trends that are rewriting banking’s future and contributing to “unconstrained banking,” where digital assets, new business models, and accelerated decision-making enable banks to do more than ever if they’re fast enough.

I give tremendous credit to Accenture for the best banking trends report I’ve seen so far this year!

Accenture backs up every trend with statistics that are designed to make even the most conservative banker sit bolt upright in panic.

Whether banks can move fast enough is the question, and Accenture’s advice on “what to do” is, on occasion, insipid and doesn’t do justice to the magnitude of the effort required. 

My take is that banks are in trouble. 

Banks are universally recognized as poor technology adopters, and virtually every one of these six requires banks to “move fast and break things.” 

When is the last time you saw a bank do that? 

While a few of these trends might be plausible for a bank to manage, it’s hard to imagine all but a few of the most tech-adroit running meaningful programs in all six! 

That leaves us with only digital money, agentic AI, and legacy tech as the three that banks will absolutely be forced to deal with in 2026. 

These six read like a death sentence for slow banks. 

Can they pull it off before running out of time?

👉 The Top Six

1️⃣ Dumb money gets smarter 
Adopting stablecoins, CBDC, and tokenized deposits.

2️⃣ Banking everywhere it matters 
GenAI assistants.

3️⃣ Agentic AI shatters traditional capacity barriers
Digital human-agent teams

4️⃣ The high cost of low cost 
Upgrade legacy tech.

5️⃣ Risk: Seeing the big picture beyond the pixels  
Integrated risk management. (Yawn, I read this every other year.) 

6️⃣ The battle for the balance sheet intensifies 
The very real threat from fintech, stablecoin, and private credit.


♻️Repost to share this great bank trends report
#Fintech, #AI, and Tech at the speed of Asia and China.

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The Top 6 Tech Bank Trends – If They Don't Run Out of Time

🚨 2025 Top 10 — No. 1 🚨 Mastering AI Agents: A comprehensive guide for evaluating AI agents

Want to learn how to build AI agents that tell the truth? Read on to learn more about 2025's hottest topic from a great e-book! 

👉Why this report is No. 1, and matters in 2026:

↳ Learning about AI Agents is your No. 1 priority in 2026!
↳ This eBook is a solid read for beginners and more advanced practitioners.
↳ Save this post for future reference.  What is stopping you from diving in?
↳ I'm back from holiday and writing NEW content tomorrow!!

From the author: 

"This e-book aims to be your go-to guide for all things AI agents. If you’re a leader looking to guide your company to build successful agentic applications, this e-book can serve as a great guide to get you started. 

We also explore approaches to measuring how well your AI agents perform, as well as common pitfalls you may encounter when designing, measuring, and improving them.

We hope this book will be a great stepping stone in your journey to build trustworthy agentic systems."

👉The book is divided into five chapters:

🔹 Chapter 1 introduces AI agents, their optimal applications, and scenarios where they might be excessive. It covers various agent types and includes three real-world use cases
to illustrate their potential.

🔹 Chapter 2 details three frameworks—LangGraph, Autogen, and CrewAI—with evaluation criteria to help choose the best fit. It ends with case studies of companies using these
frameworks for specific AI tasks.

🔹 Chapter 3 explores the evaluation of an AI agent through a step-by-step example of a finance research agent.

🔹 Chapter 4 explores how to measure agent performance across systems, task completion, quality control, and tool interaction, supported by five detailed use cases.

🔹 Chapter 5 addresses why many AI agents fail and offers practical solutions for successful AI deployment.

♻️Repost to share this important read on AI Agents
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Mastering AI Agents eBook

🚨 2025 Top 10 — No. 2 🚨  The Future of Mobile Banking: The Top 18 Trends for 2025

This is a page-turner and fun read that will help show you the killer features your mobile banking app should have now. 

👉Why this report is No. 2, and matters in 2026:

↳ The real examples in this report are a great way for banks to focus on what is possible in 2026!
↳ Banks need more than excuses when confronted with features that are real and available elsewhere. 
↳ What is stopping your bank from offering these cutting-edge features, and are any of them enough to make you switch? 

What makes this report such a page-turner is that it includes two real examples currently in production for each of the 18 trends. 

This report isn't about daydreaming about what we might have in the future, but rather demonstrates what we should have and can have if more banks cared about mobile users.

What bothers me most after reading this is that I'm paying several banks for their services, and the apps they force me to use are outdated junk! 

It isn't just me who feels that way, 69% of users think their bank app lags behind!

👉 Why mobile banking matters: 

🔹 3.8 billion users will rely on mobile banking in 2025.

🔹 62% of consumers use banking apps daily.

🔹 78% of users log on to banking apps at least once a week.

🔹 86% of users now prefer a single app to handle everything from managing loans and tracking expenses to booking travel and entertainment.

🔹 53% of consumers report that mobile banking increases their financial awareness. Younger generations, particularly Gen Z and Millennials, are leading adopters of features like credit monitoring, budgeting, and savings tools.

🔹 64% of consumers research a bank's tech offerings before committing to services.

Will reports like this make your bank act and update its app? 

♻️Repost to share this stunning report on what is possible in banking apps now! 
#Fintech, #AI, and Tech at the speed of Asia and China.

The Future of Mobile Banking

🚨Top 2026 Trends, No. 3🚨: Tokenization will be big in 2026, JP Morgan recently launched its first tokenized money market fund (MMF), “MONY” on the public Ethereum blockchain in what is likely to be a model for others to follow. 

What makes this noteworthy is that JPM is the first of the largest systemically critical banks to issue tokenized funds, meaning more will follow. 

JPM follows asset managers BlackRock, Franklin Templeton, and Fidelity in issuing MMFs. 

MONY can be purchased only by institutional investors with USDC, and offers faster settlement times, around-the-clock trading, and real-time visibility into ownership.

↳ The trend is clear: the dollar has been tokenized through stablecoins, and assets will soon follow. 

↳Tokenization of “real world assets” (RWAs) has grown to $19 billion from $5 billion in a year, according to the more optimistic views of crypto proponent, RWA.xyz data.  

↳Estimates of the future potential of RWA tokenization range from McKinsey’s low of $2 trillion to “the sky is the limit.”  

What is clear is that this transition will not happen overnight, with the need to adapt tokenization to meet securities regulations being the most pressing issue.  

The Broadridge Tokenization Survey earlier this year showed how, among early tokenization adopters, 65% fear regulatory risk, and among future adopters rises to a lofty 78%. (below)

Tokenization also faces another problem in that it impacts the profits of investment banks, broker-dealers, and asset servicers. (below) 

No matter how good tokenization is from a technical perspective, expecting these institutions to welcome blowing up their existing business model is a stretch.

Still, the trend towards tokenization is inevitable, and while it might take longer than we want, it will become very real in 2026. 

♻️Repost to share this great read on tokenization!
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JPM Shows How Tokenization Is Going Mainstream in 2026

Quantum computers are coming — and within the next decade, they could break the public-key encryption (RSA, ECC) protecting bank transactions, crypto, and more.

Citigroup calls it a trillion-dollar threat — and they’re not exaggerating.

The real danger: “Q-Day” (when quantum breaks current crypto) and “Harvest Now, Decrypt Later” attacks — adversaries are already stealing encrypted data today for future decryption.

Long-shelf-life data is most at risk: SSNs, biometrics, medical records, IP, and blockchain-exposed crypto addresses (25% of Bitcoin, 65%+ of Ethereum vulnerable).

HNDL makes data leaked onto the dark web today, which may not make front-page news, damaging in the future. 

We’ve heard quantum warnings for years — but experts now flag the next 10 years as high-risk. 

The scale is so massive (economic, geopolitical, even ideological for crypto) that ignoring it is no longer an option.

NIST-approved post-quantum cryptography (PQC) is ready — but it demands huge industry migration.

Citi urges banks: inventory crypto exposure, prioritize critical systems, and start the long migration now.

The question: With AI already stressing institutions, will finance find the bandwidth for quantum readiness?

♻️Repost to share this great read on quantum
#Fintech, #AI, and Tech at the speed of Asia and China.

The Trillion-Dollar Quantum Threat to Banks and Crypto 

Asian banks are making faster progress toward the use of agentic/multi-agent systems in operations than banks in the West, which are still focused on siloed pilots.

Leading Asian banks, the top 10% of AI users, are achieving 30-50% efficiency gains and 2-3x productivity uplifts through agentic AI, beating global peers. 

“Banks in Asia find themselves at an AI inflection point. They have a window of opportunity to pick up the pace of their transformations and to create distance from peers that may be slower to recognize and seize this moment.”

Asia’s banks are trying to widen the “AI-divide” with their competition to drive efficiency and increase revenue using AI. 

Why the focus on operations instead of sexy front-office use-cases?

↳ Approximately 75% of GenAI’s economic potential comes from just four functions, customer operations, marketing & sales, software engineering, and R&D. 

↳ End-to-end operations represent an estimated 60–70% of a bank’s overall cost base, making operational transformation through AI (especially agentic AI) the biggest potential value unlock in banking — far more disruptive than other functions

↳ McKinsey’s latest Global Banking Annual Review 2025 estimates that AI could bring gross reductions of 15 to 20% of a bank’s entire cost base

These gains will not be easily won due to regulatory complexity, legacy stacks, and institutional inertia that inhibit AI deployment. 

Another factor is that in parts of Asia, the cheaper cost of labor has historically prevented many banks from pursuing tech-enabled transformations of operations.

This is why Agentic AI, with its human-in-the-loop requirement, allows Asian banks’ larger teams, often deployed in repetitive, high-volume tasks, to be redeployed to higher-value work.

That said, Asia’s AI frontrunners, like DBS in Singapore with GenAI assistants, are pushing boundaries and showing the region’s banks significant improvements in frontline productivity, KYC/AML transformation, and end-to-end process redesign.

Asia’s banks are ripe for AI transformation, and their fast actions will likely make them models for the West to follow. 

♻️Repost to share how Asian banks are leading on AI!
#Fintech, #AI, and Tech at the speed of Asia and China.

Asian Banks Lead Agentic AI Surge Compared to West

🚨Top 2026 Trends, No. 4:🚨 Strong AI Governance Will Become The Norm — But Only After a Meltdown Forces Companies to Act

AI Governance will become a hot-button issue in 2026 because a global brand will experience an AI meltdown, triggering bad headlines, an apology from the CEO, and public questions about governance.

No one should be surprised that AI governance will be a key trend for 2026 when it is on the evening news.  

The paradox is that IBM shows how governance is not a hindrance to AI deployment but an accelerant! 

IBM’s survey of 1,000 global senior business and technology leaders showed that:

↳executives credited more than a quarter (27%) of their efficiency gains to strong governance. 

↳companies that invest more in AI ethics report 34% higher profit from AI as well as faster launches and stronger security.

These results show that the common belief that AI governance impedes the development of AI or is a mere “check-the-box” compliance issue is simply false.

The problem, however, is that while IBM shows governance accelerates AI development, the majority of surveys show that companies are ill-prepared for managing AI:

↳ Less than 1% of Firms Build Responsible AI (Sept 2025)

↳ 72% of organizations using AI report that their CEO is not responsible for overseeing AI governance and that 83% of boards do NOT oversee AI governance. (March 2025)

↳ Only 23% of organizations surveyed said they were highly prepared for “GenAI Risk and Governance” (August 2025)

I expect 2026 to be the year when AI governance lands front and center in front of every major company.  

Sadly, it will take an epic meltdown and a global news event to do so. 

♻️Repost to share this important read on AI governance.
#Fintech, #AI, and Tech at the speed of Asia and China.

AI Governance Will Need a Meltdown to Be Taken Seriously

Deloitte sees five major trends in payments for 2026.  How many of the five do you think will make the cut?  

My take is that a few look strong, but always the skeptic, I can't see some of them going big in 2026.

The Five Trends:

1️⃣ Regulation meets innovation: Stablecoin enables seamless global payments

Stablecoins are still not fit for mass adoption. Banks need serious infrastructure changes for them to be used in wholesale or retail payments. And while some may argue that banks aren’t necessary for retail payments, the only way they will go mainstream is if banks are fully onboard. I agree that they'll be big in 2026 but not mainstream.  Note that I like how Deloitte acknowledges that on major transfer corridors, stablecoins offer little benefit.  

2️⃣ Mandates in motion: Speed is the new standard
  
Deloitte is correct, real-time payments are the future, but the US’s FedNow is late to the party and doesn’t deliver. FedNow payments are 100% bank controlled, unlike fast payment systems in Brazil, India, and China. It processed a mere $853B in 2025 compared to card’s $13T! I don’t expect FedNow to even dent cards in 2026. It would cost banks too much!  

3️⃣ Beyond compliance: Turning data standards into competitive advantage

ISO 20022 is great messaging tech and means that reports of SWIFT’s demise at the hands of stablecoins are way too premature. With global adoption, it will reduce the cost and time for cross-border payments at a time when stablecoins are vying to make their mark. It’s the tech behind FedNow, Singapore’s PayNow, and Australia’s NPP.   And it helps banks with AML/KYC.

4️⃣ Autonomous payments: Agentic AI is reshaping the role of humans in finance 

Yes, autonomous payments are coming, but I can’t square people outside of Silicon Valley using them with the US having one of the lower global scores in AI trust. Let’s face it, if Americans don’t trust AI, will they let it spend their money? I’m willing to be wrong on this, but tech is way ahead of citizens on this one.  Big in 2026?  I'm not buying it. 

5️⃣ AI vs. AI: AI-powered fraud meets real-time defenses

So ask yourself, who is more innovative, banks or criminals? This is why banks will always be a half-step behind the crooks. New tech will certainly help banks reduce losses and will bring the curve down, but this is a game without end, and banks will always be playing catch-up. 

👉Which Didn't Make the Cut?

By my standards, real-time payments with FedNow and autonomous payments don't yet make the cut!   

FedNow adoption is still low, and autonomous payments still have major trust hurdles to clear.  

So that's 2 out of 5 that I don't see going bigtime in 2026! 

Tell me why I'm wrong!

♻️Repost with your thoughts
#Fintech, #AI, and Tech at the speed of Asia and China.

Five trends in payments: How many make the cut?

Boldly declaring that “the future is onchain” Dfns and BCG turn back the clock to blockchain’s boom year of 2017, where ICOs ruled, and blockchain was the solution to every problem.  

Let me state from the beginning that blockchain is great tech and that it has an important future in banking, payments, and securities.  

Even the ever-so-staid New York Stock Exchange is tokenizing securities following the US dollar going on-chain with stablecoins.

So yes, institutional adoption of blockchain will be big in 2026, and it is very much a “transformational” technology. 

That said, it is a stretch to say that crypto, which the paper innocently refers to as “blockchain native” firms, will:  

1) Disrupt tradfi if they don’t transition to “on-chain banks” or,

2) Provide the tech to rebuild a bank’s tech stack.

Crypto firms still have a long way to go in the trust department before they replace incumbents.   

Similarly, their ability to rebuild a bank's admittedly ancient core systems is seriously in doubt. 

The paper suggests that blockchain tech is unto itself, sufficient for crypto firms to overcome the tremendous societal momentum banks have in their favor. 

This is wishful thinking, especially given crypto’s checkered history and lack of integration into people’s daily lives.  

Has anyone you know used BTC or stablecoins to buy groceries or a car recently?  

I don’t doubt that we will be using stablecoins sometime soon, and banks will adapt; they have no choice. 

But this notion that they must go on-chain or die off is out of 2017, when articles were actually written stating that blockchain may help cure cancer.  

Can I interest you in an ICO?

♻️Repost to share this critical read on blockchain and banking.
#Fintech, #AI, and Tech at the speed of Asia and China.

Banks Must Go On-Chain or Die: The 2017 Boom is Back

🚨Top 2026 Trends, No. 1🚨: AI Inequality and Why APAC Is the Ultimate AI Testing Ground 

While we accept that banks and companies will rise and fall based on their AI capabilities, do we accept that nations, too, will face a similar fate, rising and falling with access to AI, the new “oil” fueling growth? 

AI is the world’s next essential infrastructure, like power, roads, and schools, with big upsides and the ever-present risk of falling behind.  

That’s why it is No. 1 on the list for the Top Trends of 2026! 

Access to AI will be crucial, and APAC will be ground zero for AI implementation. 

Why APAC?  

APAC’s 200x gap between the richest and poorest nations will make it a key testing ground for AI.

AI will be abundant in rich nations, with a gap that can hopefully be closed by deliberate diffusion to poorer nations.  

Add to that reasonably good connectivity, high trust in AI, and a broad diversity from island nations to AI juggernauts like China, makes it a natural front in the battle against AI inequality. 

But here’s the wild card.

So far, the expectation from the West is that nations and peoples without AI access will simply sit it out and wait patiently as the “AI Race” passes them by.  

This is, at best, naive and, at worst, ignores the urgent needs of billions without access.

Developing nations, particularly those in APAC, with generally good connectivity, unlike those in Africa, will not sit it out on the sidelines.  

They won’t watch while AI helps to transform education, healthcare, and agricultural management for others.

They will reach out for AI wherever they find it, and this leads us inevitably to the geopolitical and philosophical battle between China and the US over open-source AI access.

China’s AI is generally open-source and available to all, while Silicon Valley’s subscription model, used to generate revenue for massive data center expansion, largely bypasses developing nations. 

Even Sam Altman believes OpenAI has been “on the wrong side of history” when it comes to open-sourcing its technologies. 

Putting people first by enabling women, men, and children in the most vulnerable or remote communities to be empowered by the best that human achievement has to offer through AI is unstoppable. 

How it plays out in APAC will be a key feature of 2026 that we should all watch carefully as the “Next Great Divergence” plays out.

♻️Repost to share this Top Trend for 2026!
#Fintech, #AI, and Tech at the speed of Asia and China.

AI Inequality: APAC is the Ultimate Testing Ground

“Sovereign AI” has become a strategic imperative. Nations want to cut dependence on foreign tech, protect national interests, and stay competitive in the AI race.

But here’s the reality: AI is the new oil — no country can afford to ignore it. 

Yet full “build-it-yourself” sovereignty is a myth for most. The US and China already control ~65% of global AI investment.

Chips, LLMs, infrastructure — they come from somewhere. A rigid go-it-alone policy is unrealistic when the resources are concentrated in just two powers.

The WEF offers a smarter path: prioritize strategic control and resilience over total self-sufficiency. 

Quote from WEF:
“Success in the AI era will be determined not by isolation, but by strategic interdependence – balancing domestic investment in key AI infrastructure with international collaboration.”

↳ This pragmatic approach helps nations avoid being forced to pick sides between the US and China. 

↳ It wisely promotes interoperable systems to dodge vendor lock-in. Run Chinese models on US servers (or vice versa) if it makes sense. 

↳Use “digital embassies” for data sovereignty.

No country — not even the US or China — can own the entire AI value chain. 

The winners will control partnerships, focus on adoption, and stay ecosystem-agnostic.  

Nations like India, Singapore, and the UAE featured in the report have winning formulas. 

That’s how you capture AI’s economic value and close the gap between AI makers and AI takers.

What’s your take? Is full AI sovereignty realistic, or is smart interdependence the only viable path forward?

♻️Repost to share this great read on AI sovereignty
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Sovereign AI: Go It Alone Means Fall Behind

Weekend Read:  2026: The Year AI Transforms Jobs Forever – Supercharged, Displaced, Co-Piloted or Stalled?

The WEF looks at the biggest question facing society in 2026: the future of jobs as AI transforms and displaces them. 

The Four Potential Scenarios for jobs will be:

1️⃣ Supercharged Progress:
Exponential Al breakthroughs reshape industries, business models and workflows. Productivity soars and innovation flourishes. Widespread Al readiness allows people to harness the "agentic leap."  

2️⃣ The Age of Displacement: 
Exponential Al advancement outpaces the capacity of the workforce to adapt. Businesses race to automate as a stopgap, displacing workers faster than education and reskilling systems can respond.

3️⃣ Co-Pilot Economy: 
Gradual Al progress and availability of Al-ready skillsets shift the focus towards augmentation rather than mass automation. The Al hype of the 2020s has given way to pragmatic integration: most industries see incremental transformation as human-Al teams reshape value chains.

4️⃣ Stalled Progress: 
Steady Al progress meets a workforce lacking critical skills. Productivity growth is patchy, and businesses lean on automation to backfill scarce talent. Gains concentrate within businesses and geographies with Al expertise, while others face eroding competitiveness.

Read the “No-Regret” strategies to prepare for all of these potentialities on page 4!

Which of the four scenarios do you think will happen? 

My take?  The co-pilot economy mixed with stalling!  

I see the AI divide causing a big stall ahead. 

Am I too pessimistic?  

♻️Repost to share this great read on the future of jobs and AI!
#Fintech, #AI, and Tech at the speed of Asia and China.

2026: The Year AI Transforms Jobs Forever — 4 Scenarios!

IBM, with a practical guide on how to realize agentic AI ROI, that doesn’t just look at the barriers to attaining it, but asks the fundamental question: How do you define ROI?

2026 will be a make-or-break year for agentic AI, with users worldwide searching for its long-promised returns. 

IBM suggests that these users widen their search and acknowledge that agentic AI’s ROI should have many components beyond the one or two usually used. 

While the number one priority for most users is revenue growth, IBM prudently suggests considering productivity gains, employee and customer satisfaction, and cost reduction, along with special user-defined KPIs. 

IBM is on target, and the problem with the majority of surveys we saw on agentic AI returns in 2025 was that they tended to rely on revenue growth as the sole measure of return. 

The over-reliance on revenue in surveys and business has a simple origin. 

 It is a quantitative metric, easy to put on a questionnaire, and is easier to assess than more subtle measures like customer satisfaction or custom KPIs.

The problem is that by focusing on revenue, we are undercounting agentic AI’s potential benefits within the organization.

For example, an agentic AI that increases customer satisfaction and keeps bank customers from switching banks may not provide a revenue boost, but instead, prevents a fall. 

This is a problem that AI shares with innovation projects, where it is common to define new measures or KPIs to match the specifics of the innovation to judge its value.

IBM is one of the few to address this problem in this report and deserves credit for asking agentic AI users to look harder and wider for return.

This isn’t to say dollars are the wrong metric for agentic AI ROI, but they most definitely shouldn’t be the only metric. 

♻️Repost to share this great read on agentic AI ROI
#Fintech, #AI, and Tech at the speed of Asia and China.

How do you define ROI?  IBM says look more broadly.

🚨Top 2026 Trends, No. 5:🚨 Digital Public Infrastructure Goes Global — Powered by Payments Success in India, Brazil, and China

Digital public infrastructure (DPI) is one of the most important trends in payments, with strong success in India and Brazil, making the rest of the world pay attention. 

DPI is a trend that cannot be ignored, and before readers say, it won’t happen in the West, I point to the digital euro, which is a model of DPI development. 

The digital euro proves that DPI is not solely the domain of developing countries but is every bit as relevant for advanced economies. 

Brazil’s UPI and India’s PIX together account for nearly two-thirds of global instant payment transactions and are models of how universal instant payments are an engine for economic growth.

China’s WeChat and Alipay also proved the economic value of universal instant payments, and while not strictly speaking DPI, the state-owned Union Pay network, initially used to carry their payments, is in spirit. 

As DPI, all of these payment systems are universally available and the cornerstone of financial inclusion, economic growth, and fintech innovation. 

Whether UPI, PIX, WeChat, or Alipay, all of these systems reduce onboarding time and provide instant, secure, and nearly cost-free payments, saving time and money for quite literally billions of users. 

DPI is a trend that won’t go away, and I expect more nations, particularly those in the global south, to take note and press forward with DPI payments. 

By the way of all of the top trends lists I've seen this year, I'm the only one covering DPI!   Check back in 2027!!

♻️Repost to share this important read on DPI
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DPI is going global and not just for developing nations 

One in six people now uses AI daily, while 6.8 billion remain left behind in the widening global divide as global adoption of GenAI tools reached 16.3% of the world’s population, and the Global South falls further behind.

Microsoft’s latest report on AI diffusion confirms my call last week: the AI divide is the No. 1 trend for 2026. (see link below)

Microsoft’s “telemetry” shows that AI adoption in the Global North grew almost twice as fast as in the Global South, widening the gap from 9.8 to 10.6 percentage points. 

The AI gap is growing, and AI’s benefits are not expanding equally among nations, companies, and people.

↳ The world leaders are the UAE and Singapore, treat AI as a national priority with build-outs of digital infrastructure, regulatory assistance, and policies that integrate AI into daily life. 

↳ The US dropped from 23rd to 24th place, reflecting the fact that a smaller proportion of the US population uses AI compared to smaller nations.

↳ The US’s low adoption rate also tracks with AI trust; only 32% of Americans trust AI, compared to 67% in the UAE.

I’ve long argued that Chinese open-source models would bridge the gap for developing nations priced out of Silicon Valley subscriptions.

↳ Microsoft, agrees: “DeepSeek removed both financial and technical barriers that limit access to advanced AI.” 

↳ DeepSeek’s surge is most striking in Africa, where usage is estimated 2–4× higher than in other regions — reaching millions who otherwise would have zero access.

Simply put, if people cannot afford AI, they can’t use it! 

Whatever side of the geopolitical US-China divide you fall on, you have to give DeepSeek credit where it’s due: 

DeepSeek is delivering AI to the underserved.

Never forget that OpenAI was at its start designed to be open-source, and Sam Altman is clear that OpenAI is on the ‘wrong side of history.’ 

What do you think — will open-source AI narrow the divide, or will it widen further?


♻️Repost to share this great read on the AI-divide
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AI Divide: North-South Gap Widens – 6.8B Left Behind

Deloitte's latest report reveals a massive shift: AI tokens are driving enterprise IT budgets up by 20%+, replacing predictable SaaS pricing with volatile, usage-based GenAI costs.

↳ AI is now the fastest-growing corporate tech expense — some firms report it consuming up to 50% of IT budgets.

↳ ROI is lagging badly: only 28% of finance leaders see clear value, and half expect 3+ years to break even.

↳ Token spend is unpredictable — scales with model complexity, prompt length, reasoning steps, and infrastructure costs (high-bandwidth memory, storage, electricity).

The only real cost control? Open-source AI models — free to use, self-hosted, with data sovereignty benefits.  

Running an "AI factory" with a mix of open-source and other models is the ultimate cost control for larger organizations.  

Linux Foundation: 89% of orgs already use open source in AI stacks; McKinsey: ~50%.

Watch as Silicon Valley’s trillion-dollar data center bet just got riskier if open source dominates.

Key takeaways for banking & fintech:

↳ Token usage explodes unpredictably — no more fixed seats
↳ Governance is lagging — shadow spend is real
↳ Budget shock incoming — controls are non-negotiable
↳ Winners act now: track tokens, optimize prompts, negotiate volumes, build budgets
↳ Open-source AI is essential for cost reduction

Token economics demand active financial discipline, just like cloud spend did 10 years ago, and a hard look at using open-source AI. 

Drop a comment — curious how you're navigating this shift.

♻️Repost to share this great read on AI tokens! 
#Fintech, #AI, and Tech at the speed of Asia and China.

AI Tokens: The New Currency of Enterprise AI

The digital euro’s parliamentary approval is all but assured following Trump’s threat to EU sovereignty over Greenland, which reinforced the ECB’s consistent calls for the digital euro to bring “monetary sovereignty” to the EU.  

A few days ago, ECB Executive Board member Piero Cipollone stated the crux of the problem, pointing out that US companies like Visa, Mastercard, and PayPal own “critical parts” of the global financial infrastructure and “can theoretically pull the plug on us.”

Comments like Cipollone’s may sound alarmist at first glance, but real-world events show his concerns are far from unfounded.

Nicolas Guillou is a French judge at the ICC in The Hague, and is now under U.S. sanctions for authorizing arrest warrants against Prime Minister Netanyahu and former defence minister Gallant for war crimes in Gaza.

As a result of these sanctions, he can no longer use Visa, Mastercard, or Amex, maintain normal EU-based banking services, or use digital accounts or services with US companies.  

While Guillou’s case may be extreme, and readers may fall on different sides of his decision, it shows the need for EU monetary sovereignty in cases where the US and EU do not see eye to eye. 

Reports from late 2025 suggesting that the digital euro would face difficulty in the EU Parliament now seem like ancient history, and a vote is scheduled for May 5, with Germany announcing its backing of the project yesterday.

Bolstering the case for a digital euro are more than 60 economists who are imploring EU parliamentarians to back the digital euro, warning the Eurozone would “lose control of the most fundamental element in our economy: our money,” to US payment providers.  

The economists, including famed French academic Thomas Piketty, state: “A strong public digital euro is not a nice-to-have, it is an essential safeguard of European sovereignty, stability and resilience.” 

They are right, and after Trump’s Greenland threat and US sanctions, rejecting the digital euro would now be politically unthinkable. 

♻️Repost to share the love for the digital euro.
#Fintech, #AI, and Tech at the speed of Asia and China.

Digital Euro: Visa and MC Can "Pull the Plug" on the EU

The quantum threat is a trillion-dollar risk that could break every bank & crypto wallet in a decade as nationalism and insularity impact AI sovereignty and fintech's global aspirations.

If you’re reading this newsletter, I’m sure you are as “alert and attentive” as are the “syndics” of the “drapers guild” in Rembrandt’s famous painting below! 

This week's headline article is all about the quantum threat to finance and crypto. We’ve covered this topic before, but with advances in quantum computing, the threat is getting more real by the day.  

The good news is that standards for quantum-proofing systems exist, so banks and payment companies aren’t being asked to invent the technology, just apply it.  

Application, however, is still a monumental effort in that they need to audit their systems and manage a coordinated roll-out of new quantum-proof tech with other industry participants.

Add quantum to banks’ AI transformation, and it’s not an overstatement to say that they are seriously “burdened!” 

Which leads us to Accenture’s report on the top 6 tech trends for banks in 2026. I give tremendous credit to Accenture for one of the best reports of its kind.  

I just said that banks are “burdened,” and after reading this, you’ll see how heavy the burden on their shoulders is. I seriously doubt that most banks have the tech bandwidth to move fast enough on all of these efforts. 

Who could miss this week’s Davos Forum?  I have two reports that are straight out of Davos that focus on the impact of nationalism and insularity on Sovereign AI and fintech.

This is a real issue for neobanks Revolut, Nubank, and bunq (no capital B), all of which aspire to launch in the challenging US market.  

Deutsche Bank analysts declare that the AI honeymoon is over and that profits need to flow in 2026!  

This is a great read that confirms my constant warnings in this newsletter that while AI is transformational tech, it will take longer to implement than advertised. 

Finally, we look at Mambu’s top predictions for banking, look at the sections on Islamic Finance and Gen Z. 

♻️Repost to share these great reads on quantum and AI sovereignty.
#Fintech, #AI, and Tech at the speed of Asia and China.

Thanks for reading the “Cashless” newsletter, an insider’s view on Asia’s fintech, CBDC, and AI for anyone striving to understand “the Asia Century.” 

Open article: The Quantum Threat: Trillion-Dollar Risk That Could Break Every Bank & Crypto Wallet in a Decade by Richard Turrin • 5 min read

The Quantum Threat: Trillion-Dollar Risk That Could Break Every Bank & Crypto Wallet in a Decade

Weekend Read: CapGemini's Banking trends for 2026 – The 3 Big Shifts You Can’t Ignore With Stats to Back Them Up!🚀

Capgemini sees the drive for greater efficiency, innovation, and customer value reshaping the banking landscape.   

There aren't any big surprises in Capgemini's top trends, but the stats they put in the "evidence" section are second to none and truly fascinating!    

The stats are what make this report stand out as they back up every claim they make.  How rare is that?   

Skim the report for these stats, and the examples they use to back them up are second to none! 

Definitely worthy of being your weekend read:

1️⃣ Customer Engagement

↳ Hyper-personalization via AI now drives real revenue growth (38% not happy with customer service and switched banks)

↳ Under-40s demand gamified apps, transparency, and lifestyle products  (68% want financial education to manage wealth)

↳ Banks expand into alternatives/digital assets to meet wealth management diversification needs  (42% of wealth managers want lower thresholds)

↳ Seamless checkout is non-negotiable – quick, invisible payments win loyalty (63% say lack of preferred payment influences buying.)

2️⃣ Operational Efficiency
↳ 🔥Proactive AI compliance automates sanctions, monitoring, and risk in real time  (70% of finservs say agentic AI will save them over $1M in compliance costs.)

↳ Intelligent payment orchestration handles stablecoins, instant, and emerging rails. (47% of online retailers say payment failures impact customer satisfaction.)

↳ Agentic AI frees relationship managers from admin and enhances productivity for more client time, more cross-sell.  (69% of RMs time is non-client-facing admin tasks!)

3️⃣ Technological Innovation

↳ Defensive cybersecurity with AI detection is now board-level mandatory  (54% say deceptive use of AI is a cyber security problem)

↳ New payment mix (wallets, instant, stablecoins) forces fintech partnerships and model shifts  (77% see a disruption in debit card payments by new A2A systems)

↳ Value-driven merchant acquiring: AI-powered platforms bundle services and fight PayTechs  (40% of merchants will switch from banks to paytechs)

Banks that master these macro trends in 2026 will be masters of their own destiny.  

Others will chase and bleed customers in the process. 

Which shift do you think will move the needle most for you in your personal life or within your organization?

♻️Repost to share this statistics-packed bank trend report!
#Fintech, #AI, and Tech at the speed of Asia and China.

Capgemini Backs Every Trend with FANTASTIC Stats! 

🚨Top 2026 Trends, No. 2🚨: Stablecoins are transformational,  but not all new stablecoins will be profitable, due to sensitivity to declining interest rates and scaling.

I like stablecoins, that's why I picked them as the No. 2 trend for 2026!

We are likely in the midst of peak stablecoin hype, and not all of the stablecoins that are rushing to the market now will be profitable due to interest rate sensitivity and scaling! 

How interest rate sensitive are they? 

Circle’s analysis of the USDC in their 2024 S-1 filing has the answer:

↳ Circle shows that a 100 basis points reduction in interest rates from 2024 levels is estimated to reduce the reserve income on USDC by an amount equal to approximately 1/4 of total revenue.  

How many new coins? 

↳While an exact count is hard to find, some estimate that in 2025 the number of stablecoins above $10mn in supply increased from 75 to 142 of roughly 250+ total.

How do they make money?

↳This Visa report highlights how stablecoin profits in well-regulated domiciles like the US, EU, UAE, Hong Kong, and Singapore are solely dependent on short-term interest rates.  

Stablecoin business models in these domiciles don’t allow stablecoin to make money any other way than through interest on reserves. 

This is why notorious stablecoin bad-boy Tether is domiciled in El Salvador and recently received the S&P rating agencies’ lowest rating.  

Tether now has 24% of its total reserves in corporate bonds, precious metals, bitcoin, and secured loans, which are subject to price volatility and not always liquid.  

Tether is boosting returns in ways that most other coins in controlled domiciles cannot. 

↳ What about scaling?

The problem for new stablecoins operating in more strict domiciles listed above is that their interest income needs to exceed their fixed costs, which is not guaranteed unless they scale quickly after startup. 

So while stablecoins are a hot trend to watch in 2026, don’t think that every coin launched will make money. 

I think the hot trend in 2026 will be watching new stablecoins shut down if they don’t scale after launch!

♻️Repost this great reality check on stablecoins!
#Fintech, #AI, and Tech at the speed of Asia and China.

Stablecoins – Transformational, But Not All Will Profit

Tony Moroney

Top 10 Digital Disruption & Top 25 FinTech by Thinkers 360 | Program Director for Digital Leadership at IMI | WBAF Senator for Ireland and Smart Cities Board Member | Co-Founder, Digital Transformation Lab

I work at the intersection of strategy, foresight, and transformation, helping boards and senior leaders navigate the complexity of AI, digital disruption, and systemic change. My focus is on turning emerging technologies into strategic clarity—equipping decision-makers to act with confidence at the edge of disruption.

As Principal at The Digital Explorer, I advise global brands on digital disruption, innovation, and board-level enablement. I also serve as Co-Founder and Managing Partner for EMEA at Access CX, where we help organisations design and operationalise world-class customer experiences through strategy, technology, and transformation.

I write extensively on AI, governance, and enterprise transformation. My newsletter, The Digital Explorer Chronicles, is widely read by boards and C-suite leaders seeking independent foresight. Recognised as a Top Voice by LinkedIn and Thinkers360, and a Top 50 EMEA Thought Leader, I rank in the Top 10 for Digital Disruption, AI Ethics, and the Metaverse, and in the Top 25 for Digital Transformation, Agentic AI, Generative AI, and FinTech.

Over the past 17 years, I have advised boards and executive teams across Europe, the Middle East, Asia, the Americas, and the Caribbean. My roles include Managing Director at Berkeley Research Group and directors at Grant Thornton UK LLP and Navigant Consulting. Before my advisory career, I held CEO and executive leadership roles in retail banking, mortgages, and investment management—firsthand experience that continues to shape my work on transformation challenges.

I serve as Senator for Ireland at the World Business Angels Investment Forum (WBAF), affiliated with the G20’s Global Partnership for Financial Inclusion, and as a board member of the WBAF Global Science, Technology & Innovation Committee. I also co-founded the Digital Transformation Lab at Cork University Business School (UCC), a think tank focused on digital transformation. In executive education, I am a faculty member at the Institute of Bankers in Ireland, delivering programmes on digital disruption in financial services and fintech.

Currently a PhD candidate researching board and executive understanding of digital disruption, I hold dual MBAs in Banking and General Management. I am a Chartered Director, Chartered Banker, and Chartered Marketer, and a Fellow of the Institute of Directors, the Institute of Banking, the Chartered Institute of Marketing, and the Marketing Institute of Ireland.

Founder & Managing Director

Saburai Consulting is a boutique Financial Services and FinTech strategic advisory firm. Our clients include established financial institutions evolving in the digital era, disruptive FinTech start-ups seeking to redefine the industry, and companies intent on revolutionising their business model through digital transformation.

For more information: www.saburaiconsulting.com

For European policymakers weighing investments in #AIFactories, #Gigafactories, and compute capacity, Finland offers critical insights into what infrastructure alone can and cannot achieve. 

Finland's experience reveals a growing gap between top #AItalent hubs and infrastructure-rich regions across Europe. Without purposeful policy interventions, infrastructure investments will not translate into stronger national capacity, and this gap will continue to widen - interface (formerly SNV).

#artificialintelligence #ai #aiagents #agenticai #generativeai #aiskills #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Decoupling Infrastructure and Talent

Reimagining #banking operations through #AI is not simply a technology program; it is a strategic reinvention of workflows and a rewiring of how work gets done - McKinsey & Company.

#artificialintelligence #aiagents #agenticai #generativeai #digitaldisruption #digitaltransformation Richard Turrin Panagiotis Kriaris RAKTIM SINGH Sam Boboev Monica Jasuja JB McCarthy PhD Eveline Ruehlin Oriol Caudevilla Nicolas Pinto Victor Yaromin Theodora Lau Alex Jimenez Dr. Efi Pylarinou Helen Yu Imtiaz Adam Nicolas Babin Martin Moeller Dr. Sindhu Bhaskar

AI in Asia: Reimagining banking ops through agentic AI

Organisations across industries now view #AI as a core lever for long-term growth, efficiency, and competitive advantage - Capgemini

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

The multi-year AI advantage - The enterprise of tomorrow

The #luxurygoods industry is entering a new era—where the exclusivity of high craft meets the boundless innovation of #AI. Its future of luxury is marked by personalisation, efficiency, and next-level creativity - Deloitte.

#artificialintelligence #aiagents #agenticai #generativeai #retail #brands #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Shaping luxury’s future with AI

Over the next two years, 72% of executives expect #agenticAI to enable new technology capabilities that can transform business models and industry structures - IBM Institute for Business Value.

🔰 Only 38% of organisations have embedded security into every stage of the AI lifecycle— from development to deployment.
🔰 45% of executives say they will need to change how they set business goals and objectives because of agentic AI.

#artificialintelligence #ai #agenticai #generativeai #airisks #futureofwork #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

The essential guide to agentic AI

The expectation is that consumers will use a range of agentic payment tools to shop, search, purchase, and pay for goods and services, or to make other payments - Consumer Bankers Association. 

Benefits to Consumers and the Marketplace 
🔰 Reduced Cognitive Load:
🔰 Better Financial Outcomes
🔰 Faster Decision-Making and Transactions
🔰 Better Prices and Higher Quality
🔰 New Entrant Opportunities

#ai #artificialintelligence #agenticai #apyments #ecommerce #fintech #digitaldisruption #digitaltransformation #digitalbanking Richard Turrin Panagiotis Kriaris RAKTIM SINGH Sam Boboev Monica Jasuja Eveline Ruehlin Victor Yaromin Theodora Lau Alex Jimenez Dr. Efi Pylarinou Nafis Alam Martin Moeller Birgul COTELLI, Ph. D. Dr. Sindhu Bhaskar Dr. Martha Boeckenfeld Nicolas Babin Prof Dr Ingrid Vasiliu-Feltes Amna Usman Chaudhry Olivier Kenji Mathurin Orlando Francisco F. Reis

Agentic Al Payments

CEOs are investing in #AI even though immediate returns are often elusive. They’re prioritising #innovation. And many are entering new sectors as they lean into a reconfiguration of industries that’s reshaping the global economy.

PwC #artificialintelligence #aiagents #agenticai #generativeai #airisks #aigovernance #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Leading through uncertainty in the age of AI

#ArtificialIntelligence is delivering real-world results, with impact, scale and trust now driving value - World Economic Forum & #Accenture.

Five key insights that enable successful AI adoption and scaling:
🔰 Harnessing AI as a core part of how organisations work
🔰 Amplifying strengths when humans and AI work together 
🔰 Strengthening data foundations and strategic #data sources 
🔰 Modernising the technology stack for advanced AI capabilities
🔰 Scaling AI with confidence through #responsibleAI practices

#ai #futureofwork #aiadioption #aiagents #agenticai #generativeai #aigovernance #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Insights on Real-World AI Adoption

#AI is redefining the way organisations govern and manage risk. Boardrooms and their directors are at the forefront of this AI evolution - Deloitte.

Five ways board members can prepare for an AI future
🔰 Build the board’s AI literacy
🔰 Promote AI fluency in the C-suite
🔰 Consider recruiting board members with AI experience
🔰 Orient the board for the future
🔰 Guide the organisation as AI matures

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #BoardsofDirectors #digitaldisruption #digitaltransformation #aifluency Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Helen Yu Amna Usman Chaudhry Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

Artificial Intelligence in the boardroom

There is tremendous promise in what #agenticAI can achieve, but realising that potential requires careful planning, robust infrastructure and strong governance - S&P Global Market Intelligence.

#ai #artificialintelligence #aiagents #generativeai #aigovernance #airisks #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

AI in Action: Unleashing Agentic Potential 

Policies aimed at fostering long-run convergence through the #AI economy should prioritise facilitating access to the technology. Promoting international access to knowledge can accelerate the diffusion of AI and spread its benefits. 

OECD - OCDE

#artificialintelligence #aiagents #agenticai #generativeai #aiskills #airisks #digitaldisruption #digitaltransformation #futureofwork

AI and the Global Productivity Divide

66% of organisations report their boards have “limited to no knowledge or experience” with #AI, and nearly one in three say AI does not even appear on their agendas - McKinsey & Company.

Two priorities for boards:
🔰 Defining the company’s posture toward AI adoption
🔰 Tailoring the governance model to match the company’s AI posture.

#artificialintelligence #aigovernance #aiagents #agenticai #generativeai #boardsofdirectors #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

The AI reckoning: How boards can evolve

Third-party #AI platform providers are rapidly moving into the #ecommerce space. This poses an acute challenge to retail media organisations, which risk disintermediation by customers in both what is presented and what is learned. 

Arthur D. Little

#artificialintelligence #ai #aiagents #agenticai #generativeai #aiskills #digitaldisruption #digitaltransformation #retail #media #marketing Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

AGENTIC AI WANTS TO EAT YOUR LUNCHTIME MEAL DEAL

25% of CEOs identified ‘strategic differentiation’ — gaining competitive advantage through innovation, customer experience or new business models as the primary driver of #AI adoption - KPMG 

🔰 65% say Gen AI remains a top investment priority.
🔰 59% expect agentic AI to have a significant or transformational impact.
🔰 70% expect to spend 10–20% of their budget on AI in the next 12 months.
🔰 69% expect ROI from AI investments within 1–3 years, up from 13% last year.
🔰 56% say ethical challenges are the biggest obstacles to implementation.

In addition, 78% say AI workforce readiness or AI upskilling could negatively impact the organisation, while 79% say AI has redefined entry-level skills, and 80% say it is reshaping workforce development.

#artificialintelligence #aiagents #agenticai #generativeai #aigovernance #aiskills #digitaldisruption #digitaltransformation Richard Turrin Panagiotis Kriaris RAKTIM SINGH Sam Boboev Monica Jasuja JB McCarthy PhD Eveline Ruehlin Oriol Caudevilla Nicolas Pinto Victor Yaromin Theodora Lau Alex Jimenez Dr. Efi Pylarinou Helen Yu Nafis Alam Imtiaz Adam Nicolas Babin Antonio Grasso Martin Moeller Dr. Sindhu Bhaskar Dr. Martha Boeckenfeld Birgul COTELLI, Ph. D. Prof Dr Ingrid Vasiliu-Feltes Irene Lyakovetsky Dinis Guarda Ian Jones Neville Gaunt 💡⚡️ Giuliano Liguori Franco Ronconi Amna Usman Chaudhry Anthony Rochand Olivier Kenji Mathurin Orlando Francisco F. Reis Dr. Debashis Dutta Lionel Costes Helen Yu Sharad Agarwal Dr. Marcell Vollmer Ima Miri

KPMG 2025 Banking and Capital Markets CEO Outlook

#Tech services firms will need to cultivate deep domain expertise, combine capabilities across service lines to deliver integrated solutions, secure unique access to enterprise data, and master hybrid human–agent operational models.

McKinsey & Company #artificialintelligence #generativeai #aigovernance #aiagents #agenticai #ai #digitaldisruption #digitaltransformation

Reimagining tech services value proposition for agentic AI

#AI is probably the biggest, the most complex business transformation—but it’s 80% #businesstransformation and 20% #techtransformation - McKinsey & Company, North America Chair, Eric Kutcher.

#artificialintelligence #aiagents #agenticai #generativeai #digitaldisruption #digitaltransformation #businessmodelinnovation

How the best CEOs are meeting the AI moment

For #manufacturers, turning #AI investment into lasting competitive advantage means building new human and infrastructure capabilities as they completely rethink how a production network operates and what it can achieve.

McKinsey & Company

#artificialintelligence #aiagents #agenticai #generativeai #digitaldisruption #digitaltransformation #businessmodelinnovation

How COOs can scale AI in manufacturing

Nearly three-quarters of CEOs say they are their company’s key decision maker on #AI, reflecting the need for an executive to connect the organisational and management dots that this revolutionary technology requires - BCG X

🔰 Four out of five are more optimistic about the ROI of their AI investments than they were a year ago.
🔰 Nearly all believe that AI agents will produce measurable returns in 2026.

#artificialintelligence #aiagents #agenticai #generativeai #futureofwork #digitaldisruption #digitaltransformation Paidi O Reilly Prof Dr Ingrid Vasiliu-Feltes Martin Moeller Aaron Lax Richard Turrin JOY CASE Antonio Grasso Nicolas Babin Imtiaz Adam Phillip J Mostert 🇿🇦 Irene Lyakovetsky🎧🎙 Dinis Guarda Ian Jones Dr. Martha Boeckenfeld Giuliano Liguori Orlando Francisco F. Reis Hope Frank Ima Miri Mike Flache Dr. Marcell Vollmer Birgul COTELLI, Ph. D. Olivier Kenji Mathurin Franco Ronconi Dr. Sindhu Bhaskar Patrick Maroney Amna Usman Chaudhry Helen Yu Sharad Agarwal Neville Gaunt 💡⚡️ Lionel Costes Anthony Rochand Nafis Alam Eveline Ruehlin Dr. Debashis Dutta Imtiaz Hussain Alberto Espinosa Machado Dr. Khulood Almani🇸🇦 د.خلود المانع🇸🇦 Dr. Monika Sonu ARLENE NEWBIGGING GRADY

As AI Investments Surge, CEOs Take the Lead

Advances in #artificialintelligence, government-led #digitisation, embedded distribution models, expanding #privatecredit, and emerging #digitalassets infrastructure are converging - Boston Consulting Group (BCG).

#SMEs #Banking #Fintech #digitaldisruption #digitaltransformation #ai #embeddedfinance #lending #commercialbanks

The Next Chapter in Small Business Finance

Advancing #AI adoption throughout #LatinAmerica may increase productivity by 1.9% to 2.3% per year and create an estimated $1.1 trillion to $1.7 trillion in additional annual economic value - World Economic Forum.

#artificialintelligence #aiagents #agenticai #generativeai #futureofwork #digitaldisruption #digitaltransformation

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Richard Turrin

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Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Richard Turrin's LinkedIn Performance

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Performance ScoreRichard Turrin's LinkedIn Performance