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The inhumanity of humans and the importance of identity

We had an all-day meeting on Friday about Digital Identity at the United Nations. There are almost two billion people born with no identity.  There is no record of their birth.  There is no proof of their existence.  As a result, these people can disappear without a trace. There is no evidence of their disappearance…

For all the talk about blockchain, what is really happening?

There is a lot of talk about blockchain.  A lot.  Loads.  But when you get past all the talk, what is actually happening with blockchain?  Answer: not enough. I say this because there are some stand out firms out there – like R3, Digital Asset Holdings, Ripple – who have gained traction with the banks,…

The future of Africa

I promise to shut up about African developments after this post, for a while anyway, but there’s a definite feeling that Africa may set the standards for a cheaper, easier financial system in the future, as blogged last week.  In fact, when I was asked about Africa as a continent in Kenya, I said that…

Africa’s blockchain transformation

ValueWeb makes the contention that you cannot have an internet of things without a real-time and cheap internet of value.  A core part of this is focused upon building a cheap shared ledger structure for digital identity and digital currencies and guess what?  That cheap shared ledger is most likely going to be built in Africa. …

Are banks really challenged by Fintech, or is this just more of the same?

I regularly attend conferences where several themes crop up around disruption – that word we hate – disintermediation, and the end of banking as we know it.  The problem is I’ve heard it for 30 years and it hasn’t happened … yet.  Will it?  Let’s have a look. The first theme is that banks are…

The $100m start-up blockchain fund

I know many of my twitter followers have seen this news already, but here’s the official announcement of the partnership we are creating with Life.SREDA in Singapore. SINGAPORE-BASED LIFE.SREDA LAUNCHES $100 MILLION BLOCKCHAIN INVESTMENT FUND LONDON, APRIL 18 2016 Life.SREDA, a venture capital fund based in Singapore, has partnered with financial expert and fintech specialist…

I’ve got standards – which one do you want? [UPDATE 5 APRIL 2016]

Like a few other guys, I fly around the world almost non-stop. When people ask me where I live, I say British Airways lounge, and George Clooney’s Up in the Air looks like a novice to me.   Yet, even with all of that experience, you now and again encounter an anomaly.  China for example.  What…

The best blockchain white papers, March 2016 [Part 2]

After sharing my favourite white papers about blockchain and fintech a month ago, I got a bit of a deluge of offers of more papers, so here’s this month’s update.  If you don’t like to read about them though, you can always listen to this excellent podcast interview with Chris Skinner, author of ValueWeb, by the…

The five major use cases for financial blockchains

Flying back from Oslo after the SWIFT Nordics Conference, I was reflecting on the blockchain discussion we had.  I chaired the discussion which was titled: “Blockchain: from hype to real world applications” and was joined by Vytautas Karalevicius from Spectro Finance, Lasse Meholm of Nordea and Colin Kwan from Magnr.  It is clear that there…

#Blockchain? It’s complicated

We had a great debate at the Financial Services Club last night between digital money sage Dave Birch of Consult Hyperion, and all things bitcoin master Jon Matonis. The debate was about whether blockchain is faster and cheaper, and it was clear from the start that this was going to be difficult as the question…

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