Emmanuel Daniel

Author, “The Great Transition - the personalization of finance is here”
Founder, @TheAsianBanker and @WealthNSociety

[Emmanuel Daniel @EmmanuelDaniel]

Check out the latest article in my newsletter: Custodian the agent's behaviour https://t.co/5VTEIgQUIS via @LinkedIn

[Emmanuel Daniel @EmmanuelDaniel]

When Anthropic creates ten purpose-built financial agents at Goldman, JPMorgan, Citi, Visa, AIG, Carlyle and FIS in the same week https://t.co/z21HHsbUZ4

[Emmanuel Daniel @EmmanuelDaniel]

Check out my latest review of future of finance developments this week: The week the rails moved https://t.co/6ts94jN0n2 via @LinkedIn

[Emmanuel Daniel @EmmanuelDaniel]

Check out the latest article in my newsletter: When the charter goes to the code https://t.co/cgSVCdPwaV via @LinkedIn

[Emmanuel Daniel @EmmanuelDaniel]

When Anthropic puts 10 agents into Goldman Sachs, JPMorgan Chase, Citigroup, Visa, AIG, Carlyle and FIS, what’s going on? https://t.co/wQiflBdzJy

[Emmanuel Daniel @EmmanuelDaniel]

Check out the latest article in my newsletter: Liquidity follows information https://t.co/LfCRdOfIqi via @LinkedIn

[Emmanuel Daniel @EmmanuelDaniel]

Why did OpenAI buy Hiro Finance? https://t.co/hTqqLoR2dd via @LinkedIn

[Emmanuel Daniel @EmmanuelDaniel]

Most bank boards cannot govern AI risk — and regulators are beginning to notice. AI governance will be treated as seriously as credit risk governance. The boards investing now in genuine AI literacy will be better positioned. The others will be explaining failures in retrospect. #FutureOfFinance #AIRisk

[Emmanuel Daniel @EmmanuelDaniel]

'Meaningful human oversight' of AI is the regulatory requirement. But a human clicking 'approve' without genuine capacity to interrogate the model is not oversight — it is legal cover. That distinction matters enormously when something goes wrong. #FutureOfFinance #AIGovernance

[Emmanuel Daniel @EmmanuelDaniel]

Microsoft, Google, and Amazon are now competing for the AI infrastructure stack of every major bank. The lesson of cloud — that vendor lock-in is real and expensive — is being learned again in AI, the hard way. Optionality is the strategic posture that matters. #FutureOfFinance #Banking

[Emmanuel Daniel @EmmanuelDaniel]

When the market converges on similar AI credit models trained on similar data, you get correlated underwriting. The 2008 crisis was partly a story of correlated risk models failing together. AI underwriting is heading the same way. The FSB has flagged it. Boards should too. #FutureOfFinance #CreditRisk

[Emmanuel Daniel @EmmanuelDaniel]

AI is quietly ending the traditional relationship manager model. Analysts have documented what happens when AI delivers personalised guidance at scale, any hour, any language, with perfect recall. The RM as generalist navigator is becoming structurally unnecessary. #FutureOfFinance #Banking

[Emmanuel Daniel @EmmanuelDaniel]

The 'Sovereign AI' race is reshaping where banks can deploy frontier models. UAE, Saudi Arabia, India, France, Japan — all building national AI infrastructure with preferential rules attached. Global banks will need multiple AI stacks. One global architecture is a fiction. #FutureOfFinance #SovereignAI

[Emmanuel Daniel @EmmanuelDaniel]

AI-driven fraud has leapt ahead of AI-driven fraud detection. Deepfake voice and video fraud is now sophisticated enough to fool senior executives. The identity verification problem is fundamentally unsolved again. Point-in-time checks are no longer enough. #FutureOfFinance #Cybersecurity

[Emmanuel Daniel @EmmanuelDaniel]

The EU AI Act is now in enforcement — and financial services is in the crosshairs. Several institutions have already received formal notices. The compliance burden is real, ongoing, and cross-border. If you built one layer for one jurisdiction, you are already behind. #FutureOfFinance #Fintech

[Emmanuel Daniel @EmmanuelDaniel]

The open-weight model revolution has given banks real AI sovereignty for the first time. Licensing a proprietary model is renting. Fine-tuning an open model on your own transaction data is owning. The banks that understand this difference will own their AI future. #FutureOfFinance #AIinBanking

[Emmanuel Daniel @EmmanuelDaniel]

AI agents are no longer pilots. Banks from Singapore to Frankfurt are no longer asking *whether* to deploy them — they're asking which ones, at what decision threshold, and who is legally liable when they go wrong. Governance has not caught up. #FutureOfFinance #Banking

[Emmanuel Daniel @EmmanuelDaniel]

Sovereign debt default, not private credit, is the next big crisis https://t.co/cUo5GhiSZz

[Emmanuel Daniel @EmmanuelDaniel]

Sovereign debt default, not private credit, is the next big crisis The private credit market in the US, at $1.3 trillion, is the smallest and least systemic of financial asset classes. We have to seriously ask why is the media hyping it up as a potential financial crisis. Sovereign debt and commercial real estate are both much larger and genuinely systemic. As I argue in my essay below, we need to prepare for the correct crisis.
#sovereigndebt #commerciallending #middlemarket #jamiedimon #privatecredit
https://t.co/scGGwnEu7J

[Emmanuel Daniel @EmmanuelDaniel]

@SingaporeAir just cancelled my flight to #Dubai and called to say I can book for flights from 8 March onwards. Bummer!