This episode is all about financial inclusion, from payment insfractrures to digital wallets and the token economy. In this episode, I had the pleasure of speaking with Emmanuel Daniel, a global thought leader in the future of finance and the founder of the research company, The Asian Banker. Emmanuel is also the author of the book, "The Great Transition - the Personalization of Finance is Here", which we discuss in detail during the episode. Here are my three takeaways from the conversation: - Financial inclusion is not as benevolent as it seems: Emmanuel challenges the idea that financial inclusion is always a good thing. He argues that as long as we think of financial services as something that needs to be put on platforms and monetized, the whole idea of financial inclusion will remain flawed. - The future of finance is personalization: Emmanuel's book explores the idea that the operating principle of the platform industry is starting to change, and people have more control over what they do. He argues that the future of finance is personalization, where individuals have more control over their financial lives. - The token economy is changing the game. The use of tokens in exchange for products and services is becoming more widespread, and this trend is only going to continue. Emmanuel provides valuable insights into how this will impact the financial industry. Follow Emmanuel Daniel: Twitter - https://twitter.com/EmmanuelDaniel Facebook - https://www.facebook.com/emmanueldanielasianbanker Instagram - https://www.instagram.com/edanielmoments/ LinkedIn - https://www.linkedin.com/in/emmanuel-daniel-5764482/ YouTube - https://www.youtube.com/channel/UCAVolSuHiFGFnEbnLpuS5kg/videos =========== Don't forget to visit the Emerging Markets Today website. Let's keep Emerging Markets Today ad-free: Help us by donating any amount via Paypal or Cryptocurrencies using this link https://ko-fi.com/apicasso. Follow us on Twitter @todayemerging And follow me on Twitter @a_picasso