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The Intelligent Ledger: How Agentic Ai, Quantum Computing, Data, and Tokenisation Are Transforming Banking
Hardcover
Business GeneralInvesting & Finance
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ISBN13: 9783032328410
Publisher: Palgrave MacMillan
Published: Aug 29 2026
Pages: 260
Weight: 1.22
Height: 0.84 Width: 6.46 Depth: 9.38
Language: English
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
--Joseph Edwin, Sr. Partner, Bain & Company
Part biopic, part call to arms: this is a fantastic read for anyone reflecting on the journey the banking industry has gone on to date... and what comes next.
--Leda Glyptis, Chair of the Board, Bourn AI
Easy to read and impossible to put down, Intelligent Ledger shows how AI is an opportunity rather than a threat. An essential read for anyone participating in the future of banking.
--Tom Schen, Board Member, tyfone, inc., CSI, ZSuite Technologies
Dharmesh Mistry's boots are made for walkin' and they're walking banking straight into Quanvergence--the new era shaped by the nexus of four interconnected forces acting simultaneously.
--Dr. Efi Pylarinou, Founder, Growfin
I have been at Dharmesh's side for the past 30 years, watching him lead at the coal face as a true visionary, digitally enabling financial services. When he talks about the future, he speaks from a position of knowledge and experience. He knows what he is talking about!
--Dave Wallace, CEO NMD + and Co-Host of Dave and Dharm Demystify Podcast
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.
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