Twenty years inside operating rooms, and one novel about what I saw.

I'm Daniel Schwartz. I've spent more than two decades inside fintech, AI, and operations — as CEO, COO, and partner at firms including Healos, Oliver Wyman, and Moven. I hold an MBA from Queen's University and a CMA designation.

I wrote Unavoidable Agency because I kept watching the same thing happen. A company would be pressured into a cut. The cut would be justified, increasingly, with the word AI. The numbers would look fine for two quarters. Then something the company had quietly depended on — and could not name — would stop working, and no one would connect the two events.

The book is fiction. It is not a memoir and it is not a consulting deck dressed in a costume. It is a novel because I wanted the reader to feel the shape of the problem from the inside, in real time, the way the people in the room feel it.

Outside of the book, I work with leadership teams who are trying to keep their organizations recognizably human as the technology underneath them shifts. I write essays when I think I have something worth your time, and I try not to be impressed by my own opinions.