Published in Capital Insights: when humans and AI reshape wealth, work and power

Capital Club Dubai published my article in Capital Insights, its business magazine, in the Disruption 2035 issue. The issue asked business leaders and specialists what the next decade will really change.

My piece is called “When Humans And AI Reshape Wealth, Work, And Power”. Here’s the argument in brief.

The question isn’t replacement. It’s governance.

Over the next decade, the disruption won’t hinge on whether AI can replace people. It will hinge on who governs the systems that run money, markets and, increasingly, electricity.

Poorly governed systems risk an inversion, where people end up working for the machines instead of the other way round.

AI is a multiplier, not a leveller

Research keeps finding the same pattern. Inside what AI does well, it makes people faster and better. Push it beyond that, and quality drops.

So the advantage goes to people who build their process into the AI and keep a human making the decisions.

Money becomes programmable

Financial systems are moving onto digital rails. That means tokenisation, where assets like bonds or funds are recorded and traded as digital tokens, and stablecoins, digital currencies pegged to a currency such as the US dollar.

As this matures, more of the routine work will be done machine to machine. The model I expect is simple: the AI proposes, and the human approves, with a clear record of who signed off.

The hard limit is power

AI doesn’t just need data. It needs electricity. Data-centre demand is projected to roughly double by 2030, which raises a political question: who gets first call on the power supply?

Where the UAE fits

The UAE has paired forward-looking regulation with rapid investment in infrastructure. That has the potential to make it a structural winner, provided governance stays tight and new computing capacity is matched with new clean power.

The bottom line

By 2035, the disruption isn’t replacement. It’s restructuring. The leaders who come out ahead will be the ones who keep humans in charge of values and risk.

Since writing this, I’ve built that approach into my own practice: an AI system on hardware I own, with a human sign-off on every recommendation. FT Adviser featured it in September 2026.

Read the full article

My piece starts on page 106 of the Disruption 2035 issue: https://qrco.de/DISRUPTION2035