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Strategic insights on blockchain, AI, security, leadership, and career in an age of disruption.

Crypto Settlement: Why Banks Win, Intermediaries Lose
June 11, 2026·5 min read
Blockchain
Opinion

Crypto Settlement: Why Banks Win, Intermediaries Lose

Blockchain disruption targets clearing and settlement, not banks themselves. Firms controlling regulatory trust and technical reliability will dominate the next five years.

Recent Essays

#digital transformation

43 posts

AI Agents Kill the Web Interface—Here's Why
November 05, 2025Opinion

AI Agents Kill the Web Interface—Here's Why

OpenAI's browser launch signals the end of traditional digital interfaces. AI agents will replace browsing—transforming how financial services compete in the next 24 months.

How OpenAI Eliminated the Coordination Tax
November 04, 2025Opinion

How OpenAI Eliminated the Coordination Tax

OpenAI shipped two category-defining products in 30 days by eliminating coordination overhead. Learn why traditional enterprise processes are now obsolete and what parallel execution at scale means for your organization.

Financial Products Are Dissolving Into Everything
October 10, 2025Opinion

Financial Products Are Dissolving Into Everything

NYSE and CME are blurring lines between prediction markets, sports betting, and derivatives. Financial services leaders must rethink their business model as entertainment becomes an asset class.

Why Blockchain Education Beats Technical Excellence
October 09, 2025Opinion

Why Blockchain Education Beats Technical Excellence

Infrastructure without education fails. Learn why blockchain adoption requires regulator understanding, not just elegant code—lessons from building since 2017.

Leadership in the Age of Disruption: A Navigation Framework
December 18, 2024Opinion

Leadership in the Age of Disruption: A Navigation Framework

Essential leadership strategies for executives navigating blockchain, AI, and technological disruption while maintaining organizational stability.

Blockchain Transformation in Financial Services: A Strategic Guide
December 15, 2024

Blockchain Transformation in Financial Services: A Strategic Guide

How financial institutions can navigate blockchain adoption while managing regulatory compliance and operational transformation.

The Future of Consulting: Embracing AI Without Losing the Human Touch
December 15, 2024Opinion

The Future of Consulting: Embracing AI Without Losing the Human Touch

A deep dive into how management consulting is evolving with AI, featuring insights on client expectations, service delivery transformation, and maintaining competitive advantage.

The Future of Finance: How Blockchain is Reshaping Traditional Banking
December 10, 2024Opinion

The Future of Finance: How Blockchain is Reshaping Traditional Banking

An in-depth conversation about blockchain adoption in traditional financial institutions, regulatory challenges, and the path forward for digital transformation.

October 31, 2024Opinion

Asset Tokenization: Enterprise Blockchain Implementation and Real-World Asset Strategy

Complete enterprise guide to asset tokenization. Learn real-world asset blockchain implementation, regulatory compliance, and business model strategies.

October 25, 2024Opinion

Exploring the Use Cases of Zero-Knowledge Proofs Beyond Cryptocurrencies

Hey there, blockchain enthusiasts! In our last post, we dove into the exciting world of DeFi and how zero-knowledge proofs (ZKPs) are revolutionizing privacy and compliance in this space. Today, we...

October 12, 2024

Zero Knowledge Proof Types: Enterprise Implementation Guide | Interactive vs Non-Interactive Privacy Solutions

Complete guide to zero knowledge proof types for enterprise implementation - comparing interactive, non-interactive, and zk-SNARKs for business applications, compliance, and operational efficiency.

October 11, 2024Opinion

Zero Knowledge Proofs History: From Theory to Enterprise Applications | Privacy Technology Evolution

Complete history of zero knowledge proofs from 1985 theoretical foundations to modern enterprise applications - evolution from academic research to business-critical privacy technology for regulatory compliance and competitive advantage.

Jay Schulman — Plan for Thursday