Daniel Broby Asian Institute of Management   123 Paseo de Roxas Makati City, 1228 Philippines   dbroby@aim.edu     Biographical Sketch: Professor Daniel Broby is a widely respected finance academic, and a former senior figure in the fund management industry. He is a Professor at the Asian Insitute of Managment. He previously held the Chair of Financial Technology at Ulster University and was Director of the Centre for Financial and Regulatory Technology. In those roles, he is a thought leader and influencer.       JEL Areas: O3 : Technological Change; Research and Development: General C5 : Econometric Modeling: General