The Intelligent Ledger: How Agentic AI, Quantum Computing, Data, and Tokenisation Are Transforming Banking (en Inglés) - Dharmesh Mistry

“Banking transformation is no longer about technology or architecture. In a world of smart data, trust frameworks, and customer control, banking is being reimagined. Dharmesh describes a future that is not only inevitable, it's defining the industry for generations to come.”
—Maria Haris, Chair, Open Property Data Association and Director, Digital Cat Consultancy Ltd

“More than three decades inside banking transformation. One honest post-mortem of his own. Dharmesh Mistry's Quanvergence framework shows us the road ahead: digital twins, agentic AI, quantum simulation, and tokenisation—all arriving together. Platform or pipe? An essential read before the window closes.”
—Theodora Lau, Founder, Unconventional Ventures

This book examines how the convergence of digital twins, quantum computing, agentic artificial intelligence, and tokenization is reshaping the strategic foundations of banking. Drawing on four decades of industry experience, the book situates contemporary debates on digital transformation within a longer history of technological change in financial services, arguing that the current moment represents a structural inflection rather than an incremental evolution.

The book develops a clear analytical framework—“platform versus pipe”—to interpret emerging competitive dynamics in banking ecosystems. It shows how advances in customer data integration, simulation-based decision-making, and programmable financial infrastructures are enabling new forms of customer journey ownership, while simultaneously accelerating disintermediation pressures from fintech and Big Tech actors.

Across its chapters, the volume combines conceptual analysis with practitioner-oriented insight, exploring topics such as the limits of traditional data architectures, the implications of quantum simulation for financial modelling, and the organizational and regulatory challenges associated with platform-based banking strategies. It also offers a forward-looking assessment of industry scenarios to 2032, considering the implications for incumbent institutions, regulators, and technology firms.

By bridging technology, strategy, and financial innovation, The Intelligent Ledger contributes to ongoing discussions in digital banking, fintech, and financial services transformation, providing a grounded account of how emerging technologies may reconfigure value creation and competitive positioning in global banking.