Digital assets promise freedom from governments and financial institutions. But they do not eliminate trust. They simply move it into places many investors do not understand. For many people, the appeal of digital assets begins with distrust. Distrust of governments that can change rules, impose restrictions, or misuse public money. Distrust of banks that charge…

In 2016, fintech looked like a payments problem. Ten years later, AI has challenged what I thought made investment banking uniquely human. In 2016, I worked in the investment-banking division of a Malaysian branch of a Singaporean bank. One morning, during our regular meeting, my boss asked a question that felt important at the time:…

Sending employees home does not simply relocate the office. It changes the system through which work gets done. In 2020, organisations around the world made a remarkably large operational decision in a remarkably short time. Employees were told not to come to the office. They were given laptops, access to company systems, video-conferencing software, and—where…