https://londonpublishingpartnership.co.uk/books/money-in-the-metaverse-digital-assets-online-identities-spatial-computing-and-why-virtual-worlds-mean-real-business/Chapter 12, titled "Smart Strategies," discusses the intersection of decentralized finance (DeFi), verifiable credentials, and privacy-enhancing governance structures, positing that these elements will create a new financial services universe. The authors express optimism about the potential for DeFi to open up innovative business models in the finance sector, despite existing challenges and skepticism. They highlight the importance of digital identity infrastructure for legitimizing transactions in this new landscape and emphasize that financial institutions must adapt to these changes to remain relevant and competitive. The chapter suggests that future financial services will not only be about traditional banking but will also involve navigating a complex web of digital interactions where trust and transparency are paramount.

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