Emmanuel Daniel is an entrepreneur and writer. He is the founder of The Asian Banker, what has become the most respected banking intelligence company in the industry today. He is not involved in the everyday running of the business today, as it is run by a team of professional staff under the guidance of an international board of advisors,whose opinions may nor may not be congruent with his. However, his views remain one of the most influential in the financial services industry today. The notes in this blog are however his personal views, based on his personal experiences on a wide range of topics, and not attributable to The Asian Banker in any way whatsoever.