Topic

Data Strategy & Digital Assets.

Treating data as a genuine strategic asset, the rise of the intelligence layer, agent-mediated commerce, and the future of money — from open banking to digital assets and agent-to-agent payments.

The thinking.

Data Strategy•5 min read

Why Data Is Becoming a Board-Level Liability

For most of the digital era, data sat quietly in the background. AI changed that. Now data gaps become outcome gaps, and if you don't treat data as a strategic asset, you don't remove its value—you outsource it.

Michael Clark

AI & Technology•6 min read

From Products to Journeys: The Birth of the Intelligence Layer

Customers rarely want the product itself — they want the outcome behind it. Few people truly want a mortgage; they want a home. As agentic AI begins to coordinate commerce, services and transactions across entire ecosystems, we may be witnessing the emergence of the intelligence layer.

Michael Clark

AI & Banking•8 min read

When AI Agents Control Your Wallet: The $12 Trillion Shift No One's Talking About

MasterCard's CEO recently stated that within a few years, the majority of discretionary consumer spending will shift to AI agents. This isn't a prediction about 2040—this is happening now.

Brett King

AI & Banking•5 min read

Why the Future Customer May No Longer Be Human

Increasingly, humans are stepping back from the mechanics of choice. Instead of navigating products and services directly, they are delegating objectives to software agents. The human sets intent; the agent executes.

Michael Clark

Who covers this

The advisors on this topic.

Michael Clark

Digital Economy Advisor & Author of 'Our Moment'

Brett King

Futurist, Bestselling Author & Founder

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