The financial industry is undergoing one of the most profound transformations in history. Artificial intelligence (AI), fintech, and Web3 are redefining how money moves, how decisions are made, and who holds power in finance. But as AI-driven financial agents and big tech platforms gain traction, a pressing question arises:

Who will control the future of finance—banks, technology giants, or decentralized systems?

At WEF Davos 2025, Tenity sat down with Ronit Ghose, Head of Future of Finance at Citi and author of Future Money: Fintech, AI, and Web3, to discuss how AI is shifting financial power, what the rise of intelligent agents means for banks, and whether Web3 can make a comeback in this AI-driven world.

This conversation cuts through the hype to uncover real changes shaping global finance. For startups, fintech leaders, investors, and financial institutions, it’s a glimpse into what’s next—and how to stay ahead.