Artificial intelligence is rapidly changing the financial world, but what happens when AI begins transforming not just how banks operate, but how we borrow money, secure mortgages, invest, and manage our wealth? In this episode of Build It to Billions, Brett Swarts sits down with global banking thought leader, entrepreneur, and author Emmanuel Daniel to explore what the next generation of banking and finance could look like.
Emmanuel shares his perspective on how AI could reshape traditional banking models, accelerate lending and mortgage decisions, personalize financial services, and change the relationship between individuals and financial institutions. From the evolution of money and digital finance to the growing role of AI in financial decision-making, Brett and Emmanuel unpack the forces disrupting a centuries-old industry—and what entrepreneurs, investors, and business leaders should understand as the financial system enters its next major transformation.
Episode Highlights Here:
Intro
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Brett
Hello, everybody, and welcome to the Build it to Billions podcast, where we guide successful entrepreneurs and investors on their journey from millions to billions. We believe the key to scaling and compounding your wealth in life starts every single day with the mindset and practice of stewardship over ownership and applying billionaire biblical principles. Our ultimate goals have to be scale and compound your wealth in life, so you can give more all of it away to help MVPs. My name is Brett Swarts. I’ll be your host today. Each and every episode, we’re featuring some of the world’s top entrepreneurs, investors, and they bring in their secrets with us, so we can all level up, make a bigger impact. I’m excited about our next guest. He’s an author, advisor, and global thought leader on geopolitics and the future of finance and their impact on business and society, he’s listed as the top 10 global influencer in the FinTech Power 50, and in 2021, 2022,he’s also a model train enthusiast, and he founded the research publication and consulting house TAB Global in 1996, And through its platforms such as the Asian Banker, Wealth and Society, and the Banking Academy, and others, he has extensive contacts with leaders and corporations and governments around the world, and so much more. Please welcome the show with me, Emmanuel Daniel. Emmanuel, how we doing?
Emmanuel
Brett, great to be with you again. You know, and looking forward to our conversation.
Brett
Absolutely, for our listeners, get to know you for the first time. You want to give us just a little bit, a little bit more about your story and your focus.
Emmanuel
Well, I started Tab Global in 1996, so it’s 30 years now. And in that time, I spent the first few years building my proposition country by country. I mean, in Asia, if you traveled 100 miles in any direction, you’d be in another country. So, you know, stitching that together took a while, but now we’ve grown into the Middle East in Africa, basically on the proposition that we help banks run their businesses well by benchmarking themselves operationally and looking forward to you know how technology is transforming the industry. But then from there we built into wealth management, and right now I’m in London, and we we’re actually about to launch a program on AI regulation. So, looking forward to that. We’ve become very global in what we do. At the back end, we’re basically a research house with a lot of good content on the front end. We basically are a well-networked B 2b platform for financial services.
Brett
Excellent. Yeah, I love it. And let’s dive right into maybe just that topic for today, right? How AI is changing the future of finance, and what are some of the things that are some maybe some potential big mistakes people are going to be making if they don’t you know think through this in a way that is thoughtful and intentional?
Emmanuel
AI is transforming finance at different layers; it’s transforming finance from the inside out. What used to be a traditional business banking is being revolutionized in the way the hierarchy within the bank is changing. So, where the decisions are made, who makes the decisions, it’s not just a productivity game anymore. When we were moving from traditional banking into digital banking, all of that was doing the same thing faster and more, you know, productively. But the whole idea of AI in banking is that it’s a game changer. The institution itself is being transformed, and that whole idea. And I struggle with this in in my first book, the Great Transition: the personalization of finances here, and that is that the whole intermediation proposition of banking is being you know stood on its head at the moment. So technically, individuals can transact with each other without the need for banks as intermediaries. In fact, what AI does is it enables the end user to tell the bank speak to my hand, meaning you know, I don’t need to deal with you anymore. I you know my agent can talk to you and get all the transactions done. So, the institution has to redefine its relevance to a transaction. You know that that it doesn’t stand in the in the middle between. Someone paying another person, so a lot is happening on that front. How that transition will evolve depends on a number of factors. The regulators would like to see that transition, that that that you know intermediation role not go away.
Brett
So, if you like this little, short clip of the interview I just did, click over here to watch the full interview, and please don’t forget to subscribe. Thanks so much, everybody.
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About Emmanuel Daniel
Emmanuel Daniel is a globally recognized banking and finance thought leader, entrepreneur, author, and founder of TAB Global, the organization behind The Asian Banker. For decades, he has worked closely with financial institutions, policymakers, technology leaders, and business executives around the world, studying how banking, technology, and the global financial system are evolving. His international perspective has made him a sought-after speaker and commentator on the future of finance, digital transformation, and the changing relationship between financial institutions and their customers.
Emmanuel is the author of The Great Transition: The Personalization of Finance Is Here and Building the AI Bank: Speed, Judgment and Power. His work explores how artificial intelligence, digital currencies, blockchain, and other emerging technologies are reshaping banking and the way people interact with money. Through his research, writing, and global conversations, Emmanuel challenges traditional financial models while examining what the next era of banking, lending, mortgages, and personalized finance could mean for entrepreneurs, investors, institutions, and consumers.
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