Michael Clark: The Accounting Problem, Collaborative Intelligence, and the Meta Decision-Making Model

Mar 22, 2026

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In this episode of The Wisdom Of … Show, host Simon Bowen speaks with Michael Clark, author of Our Moment, Next Economy Strategist, and the former Mastercard leader who built the company's first open banking product. Operating from Dubai at the crossroads of emerging markets and global innovation, Michael has spent his career building the systems of tomorrow. He has advised C-suite executives worldwide on data, AI and the future of money, and is known as the voice decision-makers trust when it's time to lead, not follow.

This is a conversation about structural gaps - in accounting, in education, in how leaders make decisions - and why this specific moment in history is the window that matters. Michael reframes the entire AI conversation - the customer is no longer human, data is not undervalued but mispriced, AI is not artificial intelligence but collaborative intelligence and the biggest debate of 2026, fresh from Davos, is the role of humanity alongside the machine.

Simon builds a live visual model with Michael, the Meta Decision Making Model, structured around three Cs - Context, Concept, and Consequence. A framework built for leaders who want to stop making narrow decisions and start thinking at the level of second and third order consequence.

Ready to elevate your strategic thinking? Join Simon's exclusive Masterclass on The Models Method and learn how to think systemically about complex business challenges and turn insight into leverage: https://thesimonbowen.com/masterclass

Episode Breakdown

00:00 Introduction: Our Moment and the urgency behind the title

05:15 Why the digital economy was never actually a new economy

11:40 The accounting problem - why data and people can't appear on the balance sheet

17:30 Data as an asset - "it's not that it's not valued, it's just mispriced"

22:00 Data ownership - what you actually own, and the question of who owns your prompts

28:10 Your customer is no longer human - what this demands of every business leader

33:50 Collaborative intelligence - why Michael refuses to use the term "artificial intelligence"

38:00 AI is exposing educational gaps that should have been addressed decades ago

42:15 Abilities-based learning - the three buckets every person and organisation needs

44:30 The 100-day CEO plan and why most leaders never make decisions that outlive their tenure

49:00 Live model build: the Meta Decision Making Model - Context, Concept, Consequence

58:00 "Clarity before consequences" and why most AI failures happen in execution, not strategy

01:02:00 There is only one strategy in any business

01:05:30 The unexpected consequence - what Michael still asks himself every day

01:08:00 The biggest debate of 2026 - the role of humanity alongside AI

About Michael Clark

Michael Clark is pioneering the next economy, where data becomes an asset, intelligence is shared, and new models of value and education emerge. A former Mastercard leader who built the company's first open banking product and advised C-suite executives worldwide on data, AI and the future of money, Michael is a builder shaping the systems of tomorrow, not just talking about them.

He is the author of Our Moment, a groundbreaking modern fable redefining how data, AI and human potential can reshape how we learn, work and lead. He helped write data regulation in Dubai, developed a school's AI curriculum, and works globally with leaders and organisations at the frontier of next economy transformation. Known for his ability to join the dots across industries, he is the voice decision-makers trust when it's time to lead, not follow.

Connect with Michael Clark

LinkedIn: https://www.linkedin.com/in/futureofmichael/

Instagram: https://www.instagram.com/michael.clarkjr/

Twitter: @futureofmichael

About Simon Bowen

Simon has spent over two decades working with influential leaders across complex industries. His focus is on elevating thinking in organisations, recognising that success is directly proportional to the quality of thinking and ideas within a business. Simon leads the renaissance of thinking through his work with global leaders and organisations.

Connect with Simon

LinkedIn: https://www.linkedin.com/in/simonbowen-mm/

Instagram: https://www.instagram.com/officialsimonbowen/

Website: https://thesimonbowen.com/

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