The Intelligent Ledger: How Agentic AI, Quantum Computing, Data, and Tokenisation Are Transforming Banking

“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“Forty years of banking transformation compressed into a single, urgent thesis. The Intelligent Ledger isn't a prediction - it's already being built. Read this now and find out how.”—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 PodcastThis book examines how the convergence of digital twins, quantum computing, agentic artificial intelligence, and tokenization is reshaping the strategic foundations of banking. Drawing on four decades of industry experience, the book situates contemporary debates on digital transformation within a longer history of technological change in financial services, arguing that the current moment represents a structural inflection rather than an incremental evolution. 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.

• Publication date: 29 August 2026
• Page count: 260
• Dimensions: Height 235 mm; Width 155 mm
• Publisher: Springer Nature Switzerland AG
• Format: Hardback
• ISBN-13: 9783032328410