Tomorrow's Money: Finance and the Economy in 2035: How AI, Blockchain, and Quantum Tech Are Reshaping the Future of Money

Step into the world of 2035, where finance is instant, intelligent, and embedded in every aspect of life. In Tomorrow's Money, discover how radical technologies-AI, blockchain, quantum computing, and more-are dismantling traditional banking, transforming investment, and reshaping the global economy.
From coffee shop payments via augmented-reality wallets to automated climate insurance and quantum-optimized portfolios, this book offers a realistic and visionary journey into how we'll earn, save, spend, and govern in the financial systems of tomorrow.
What you'll explore:

• Digital currencies and the true future of cashless economies
• AI-powered investing, robo-advisors, and real-time wealth management
• Quantum computing's disruption of risk, encryption, and pricing
• Fintech-driven financial inclusion-and the new digital divides
• 24/7 trading, tokenized markets, and autonomous exchanges
• Smart contracts, embedded finance, and the rise of self-driving economies
• Global regulation in an AI-first, borderless world
• What it means to work, build wealth, and retire in the era of ambient finance

1. Introduction: The Fintech Frontier
   A futuristic narrative immerses the reader in a typical morning in 2035's AI-augmented economy, setting the stage for the tech transformations to come.
2. Chapter 1: The Age of Digital Currency
   Explores the evolution of money-from CBDCs to crypto and stablecoins-and how blockchain is reshaping trust in the financial system.
3. Chapter 2: AI on Wall Street
   Reveals how AI powers trading algorithms, robo-advisors, and predictive finance, including case studies of real-world implementations as of 2025.
4. Chapter 3: The Quantum Leap in Finance
   Investigates quantum computing's disruptive impact on risk modeling, optimization, and cybersecurity-plus an addendum for how it evolves by 2035.
5. Chapter 4: Fintech and Inclusion
   Shows how mobile banking, DeFi, and AI financial coaching are democratizing access-and what's next in equitable finance (with 2030s foresight).
6. Chapter 5: The Future of Markets
   Covers 24/7 trading, tokenized assets, decentralized autonomous exchanges (DAEs), and how AI is reshaping regulation and surveillance.
7. Chapter 6: Smart Contracts and the Automated Economy
   Details how smart contracts, IoT, and AI automate supply chains, insurance, and entire sectors-plus a foresight addendum for the 2030s.
8. Chapter 7: Regulatory Revolution
   Explains how regulators are using AI, global coordination, and programmable law to govern dynamic digital economies.
9. Chapter 8: Financial Services Reimagined
   A deep dive into AI-powered banks, insurance, and financial advisory models, showcasing IoT integration and ethical data practices.
10. Conclusion: Wealth and Work in 2035
    Reflections on what these changes mean for our daily lives, including a final scenario of a day in the life of a 26-year-old navigating ambient finance.
11. Appendices and Further Resources
    Definitions, institutions, readings, scenario tools, and a curated list of public data sources and forward-thinking research.About the Author