Emmanuel Daniel, the founder of the Asian Banker and the Wealth and Society, spoke to Rudolf Falat, founder of the Voice of FinTech podcast, about how banks face disintermediation as decentralized Finance or personalization is taking hold. 

Here is what they covered:

• Emmanuel –  what is your backstory? How did you get to what you do today?
• Are we experiencing another banking crisis?
• Banks have been complaining about low-interest rates for a long time (they enjoy better margins when interest rates are higher,) and now some are struggling with rate hikes. How come?
• Why is it easier to have a run on the bank in the digital age? How can banks and regulators manage this risk better?
• Your books cover the transition from platforms to personalization. Tell us more about that.
• How can you personalize your services profitably and at scale?
• There has been a discussion about using cryptocurrencies more widely as payment. However, regulations (or the lack of), scalability, lack of speed, volatility, and more hampered more widespread adoption. CBDCs seemed to offer more promise, but the progress could be faster. Why?
• Nowadays, you hear a lot about embedded Finance and the financialization of everything. What’s your take on it? 
• What’s your favorite business book? The Sovereign Individual: Mastering the Transition to the Information Age
• The best way to reach out: https://www.emmanueldaniel.com