How financial institutions should think beyond AI hype, question the real purpose of market structure change, and prepare for a more productive, advice-led future.
In a recent ausbiz interview, Laksh Gangwani, Chief Growth Officer at ViewTrade, shared a thoughtful perspective on some of the most important questions facing financial services today: how AI is changing enterprise productivity, what instant settlement could mean for market infrastructure, whether tokenization is solving the right problem, and how wealth management firms can prepare for what comes next.
His insights reflect a grounded, operator-led view of innovation in financial markets, centered not on hype, but on real business utility, human judgment, and long-term industry design.
Watch the interview
Watch Laksh’s views on AI, instant settlement, tokenization, and the future of wealth management on ausbiz.
Guest: Laksh Gangwani, Chief Growth Officer at ViewTrade.
Host: Andrew Geoghegan, Anchor & Senior Journalist at ausbiz
AI, Market Structure, and the Future of Wealth Management
Laksh Gangwani described AI as a productivity enabler, not a replacement. He framed it as a “cognitive abundance” by reducing repetitive decision-making and helping teams work faster and smarter.
Using ViewTrade’s compliance workflow as an example, he highlighted how AI can identify issues, explain them, and suggest fixes while keeping human oversight in place. In regulated industries, his point was clear: AI works best when it strengthens expertise rather than replaces it.
He also discussed larger shifts in capital markets, including T+0 settlement and 24/7 trading, arguing that instant settlement is not just an efficiency upgrade but a deeper reset of market structure, liquidity, and business models. On tokenization, he stressed that the industry should first define the problem it is solving rather than adopt solutions for their own sake.
On the other hand, Laksh shared his perspective on the wealth management, which states that while each market has its own dynamics, one global priority is clear: advisors need to become more productive, and AI can play an important role in improving their workflows and scalability.
Key takeaways
- AI should be viewed as an enhancement tool, not a replacement tool. The framing of “cognitive abundance” emphasizes productivity, support, and stronger decision-making rather than workforce displacement.
- The most effective AI use cases in financial services are practical and workflow driven. The compliance example demonstrates how firms can reduce delays, improve knowledge sharing, and preserve control within regulated environments.
- Human-in-the-loop models remain critical in regulated industries. Even where AI improves speed and consistency, accountability and expert review remain essential.
- Instant settlement is a structural market question, not only a technology upgrade. Moving from T+1 to T+0 changes the economics and mechanics of the ecosystem, requiring broader industry coordination and rethinking.
- Tokenization should be judged by the problem it solves. Rather than force-fitting a market trend into traditional equities, firms should first identify whether the underlying use case creates real value.
- Advisor productivity will remain central to the future of wealth management. Across different markets, firms will need to use technology to help advisors do more, serve better, and operate with greater efficiency.
Laksh Gangwani’s ausbiz interview offers a measured and credible perspective on the direction of financial services. Whether the topic is AI, tokenization, or instant settlement, the core message is consistent: innovation must be tied to real operating value, market needs, and practical human judgment. For leaders across fintech, brokerage, and wealth management, that is the more meaningful lens through which to evaluate transformation. Rather than chasing technology for its own sake, the firms that stand out will be those that use it to improve productivity, strengthen expertise, and build market infrastructure with purpose.
That is the context in which AI and market evolution become truly relevant — not as abstract trends, but as practical tools for shaping the next chapter of financial services.
Please note the original interview was published here at ausbiz
Disclaimer: This content is provided for informational purposes only and reflects the personal views and experiences shared during a recorded podcast conversation. It does not constitute investment advice, a solicitation, or a recommendation to engage in any financial transaction or service. Any references to products, services, or business models are descriptive in nature and subject to applicable regulatory requirements.
