
The Jacob Shapiro Podcast The Geopolitics of Personalized Money
Nov 25, 2025
Emmanuel Daniel, founder of TAB Global and a fintech author, delves into the evolving landscape of finance where personalization takes center stage. He argues that the true disruption in finance stems from individuals rather than technology, reshaping trust and power dynamics globally. Daniel explores the impact of financialization, the role of cryptocurrencies, and the tension between personal ownership and intermediaries. He emphasizes the importance of data sovereignty in navigating this new monetary architecture, making for a thought-provoking discussion.
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The Ice Industry Analogy
- Emmanuel used the historical ice industry to illustrate how refrigeration localized and personalized ice.
- He parallels that history to how finance moves from global transport to household control.
Finance Moves From Extraction To Personal Control
- Finance has shifted from being extracted and transported to being created and controlled at the user level.
- Personalization and digitization reduce intermediaries and reshape who controls transactions.
A Child's Question About Money
- Jacob describes a personal moment when his three-year-old asked 'Where does money live?' to set up the personalization discussion.
- This child question highlights how everyday understanding of money may shift as finance personalizes.

