Insights

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navigating change.

Sharp perspectives on the forces reshaping finance, technology, and the future of work—straight from our advisors.

5 min read•2026-02-10

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.

For decades, modern commerce has been built around a familiar assumption. Customers search, compare, decide, pay and, over time, form relationships with brands. Entire industries, from banking to retail to advertising, have been optimised around influencing those moments. That assumption is startin...

Michael ClarkDigital Economy Advisor & Author of 'Our Moment'

AI & Banking

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

Brett King

Data Strategy

Why Data Is Becoming a Board-Level Liability

Michael Clark

AI & Banking•6 min read

Why AI Will Replace Your Financial Advisor—And Why That's a Good Thing

Every human advisory role has the potential to be dramatically disrupted by AI. But for most people, that disruption will deliver better financial outcomes than they've ever had access to.

Brett King

Innovation•6 min read

Banks Spend Millions on Differentiation, But All Look the Same

Every banking leader claims their digital experience is unique. Then you check their apps and marketing—it feels like someone copied and pasted across the whole industry.

Jim Marous

Future of Work•8 min read

What Learning and Work Are Missing in the Age of AI

AI is exposing tensions in how we develop people. The real question is whether our systems can move beyond knowledge-first models to develop judgment, adaptability, and critical reasoning.

Michael Clark

Future of Work•10 min read

Humanity's Next Quarter Century: 10 Defining Facets of Our Future

From demographic shifts to AI collaboration, ten themes will define the next 25 years. Our actions now will ripple across generations, determining whether humanity flourishes or struggles.

Ross Dawson

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