In this special episode, Dave is joined by Dharmesh Mistry and Lou Carlozo to explore the ideas behind Dharmesh's upcoming book, The Intelligent Ledger, and why the convergence of AI, tokenisation, digital twins and quantum computing could fundamentally reshape banking.
Drawing on decades of experience in banking, technology and financial journalism, Dharmesh and Lou explore why the industry may be approaching a far more significant shift than previous waves of digital transformation.
The conversation examines the concept of the intelligent ledger – a new model where banks move beyond simply managing transactions and selling traditional products, towards intelligent platforms that use data and technology to better understand and support customers.
They also discuss why this transformation is happening now, the growing impact of agentic AI and tokenised money, the potential role of quantum computing, and why banks that move too slowly risk being overtaken by more agile competitors.
With The Intelligent Ledger designed as both an explanation of technological convergence and a practical guide for banking leaders, the episode explores what banks need to do today to prepare for the financial services landscape of 2032.
For anyone interested in banking technology, AI, tokenisation, digital money and the future of financial services, this episode offers a fascinating look at why the next transformation in banking may be driven not by one technology, but by several converging at once.
The Intelligent Ledger is due to be published before the end of September.
