The Future of Banking Isn’t a Bank: Why Financial Inclusion is the Defining Mission of Our Era
The Vision: From Walled Garden to Open Network
For years, I have navigated the complex machinery of traditional banking and fintech. I’ve seen exactly how the system is wired, who it serves, and, most importantly, who it excludes. The hard truth is that the modern financial system is a walled garden, operating brilliantly for those already inside, but leaving billion…


