Emmanuel Daniel is the founder of The Asian Banker, the leading research provider to the financial services industry in the Asia Pacific, Middle East and African regions. He is also the founder of Wealth and Society, a platform for philanthropists and impact investors. He is a "Power 50" global fintech influencer in 2022, and winner of the Citibank Business Journalism Award for Asia Pacific in 1999. He has degrees in law and political science from the University of London and the National University of Singapore respectively and attended a summer programme at Columbia University.

• Foreword by Barney Frank; Foreword by Richard Sandor; Preface; From Platforms to Personalization; The Personalization of Finance; The Financialization of Everything; Rise of the Rebels; The Agents of Change; The Anatomy of Innovation; The Institution Crumbles; Reimagining The Product; The Great Transitions; Glossary for the General Reader; Notes; Acknowledgments; Index;