The personalisation of finance – and why banks are struggling to keep up – Emmanuel Daniel | Futurist
Emmanuel Daniel | Futurist
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The personalisation of finance – and why banks are struggling to keep up

Vinnie Enriquez, host of The Road to Growth podcast, gave me the chance to unpack why the future of finance is personal—and why traditional banks are struggling to adapt.

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May 2, 2025
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I joined The Road to Growth podcast with Vinnie Enriquez to discuss the future of banking, crypto, and the real reason financial institutions resist change.

It’s not about technology. It’s about mindset.

After working with banks in over 120 countries, I’ve seen how quickly the industry shifts—when it wants to. But in this episode, we explored where finance is heading next, and why some institutions risk being left behind.

We discussed:

  • Why the future of finance is decentralised and hyper-personalised.
  • How regulators are racing to catch up with digital assets.
  • The business models behind stablecoins and tokenised deposits.
  • Why banks often wait for permission, even when disruption is obvious.
  • How I personally diversify across traditional and digital asset classes.

Listen to the episode:

Tags: bankingBanking DisruptionbitcoinblockchainCBDCscryptocrypto adoptiondecentralisationdigital assetsdigital economydigital transformationentrepreneurshipfinancial innovationfinancial literacyfinancial regulationfintechFuture of Bankingmindset shiftPersonalisation of financeStableCoinsThe Road to Growth Podcasttoken economytokenised depositsTraditional FinanceUSAVinnie Enriquezwealth creationWeb3
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    • The Future of Finance
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    • Speeches and Presentations
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