The Future And Fintech: Autonomous, Embedded And Tokenized Finance In The Genai Era - Softcover

Xu, Jun; Ge, Zhiyu; Zhou, Jihai

Softcover

ISBN 10: 9819837081 ISBN 13: 9789819837083

Publisher: WSPC, 2026

Synopsis

The Future and FinTech: Autonomous, Embedded and Tokenized Finance in the GenAI Era provides a strategic and practical roadmap for leading responsibly in a new era of finance, where intelligence is increasingly embedded, autonomous, and tokenized.

The book argues that the next generation of financial services will not be defined by isolated technologies, but by the convergence of GenAI, large language models, knowledge graphs, intelligent data platforms, Web3, tokenization, ESG intelligence, risk management, and secure engineering practices. As financial institutions move beyond digital channels toward AI-native operating models, the industry is shifting from process automation to autonomous finance: systems that can understand context, retrieve knowledge, reason across structured and unstructured data, support decisions, and execute workflows under human and regulatory oversight.

Written for executives, technology leaders, risk professionals, data and AI practitioners, and FinTech innovators, this book bridges strategy and implementation. It does not treat GenAI as a standalone tool, nor Web3 as a speculative trend. Instead, it positions them as part of a broader architectural shift toward intelligent, embedded, compliant, and resilient finance.

Ultimately, The Future and FinTech offers a forward-looking yet pragmatic guide to building financial systems that are smarter, safer, more inclusive, and more adaptive. The central question is no longer whether finance will be transformed by GenAI, tokenization, and intelligent automation. Instead, the question is how institutions can govern this transformation, capture its value, and avoid creating new forms of operational, ethical, and systemic risk.

About this title

About the Authors

Dr Jun Xu is an Executive Director of Machine Learning engineering in a top financial institution, and was previously with HSBC, Western Digital, and National University of Singapore. His working experiences across multiple disciplines include Artificial Intelligence, Machine Learning, Large Language Models, FinTech, Data Storage, Robotics, Internet of Things, Big Data, Cloud, Digitalization Transformation, System Architecture, Optimization and Modelling. He has published four books, 18 patents, and around 60 peer-reviewed papers.

He held multiple editorial positions with international journals and conferences. He is a senior member of the Institute of Electrical and Electronics Engineers and a certificate financial risk manager. He was a guest professor at South China University of Technology and an industrial PhD supervisor of Nanyang Technological University. He received his Bachelor of Science from Southeast University, China, and his PhD from Nanyang Technological University, Singapore.

Dr Zhiyu Ge is a veteran quantitative risk and valuation analyst. He is currently leading the liquidity team in New York of Bank of China (BOC). He is an enthusiast in financial technology innovation in the area of Big Data and Machine Learning, helping the bank to become more digitalized and data driven. Prior to BOC, he was a senior vice president in HSBC, vice president in the Quantitative Risk and Analysis team of Blackrock, and a fixed income quantitative analyst at Merrill Lynch Investment Managers. He received his PhD degree in statistics with honors from the University of California at Berkeley.

Dr Jihai Zhou graduated from Imperial College London as a PhD. He worked in different global banks (Barclays Bank, HSBC, etc) and Tencent for more than 15 years on DevOps/DevSecOps transformation. From 2018 to 2024, he was invited to attend 30+ technical conferences as the speaker in different countries to share his experience. He also hosted "Fintech" and "DevSecOps" tracks as the track producer at more than 10 technical conferences. In 2021, his first book DevSecOps Guide and Practice was published in China. In 2023, he was invited by Nanjing University Software Institute's DevOps+ Research Lab as the Industry Mentor.

Edition details

• Publisher: WSPC
• Publication date: 2026
• Language: English
• ISBN 10: 9819837081
• ISBN 13: 9789819837083
• Binding: Paperback
• Number of pages: 352