2. what is a trend?
2
“A novel manifestation of something that has
unlocked or serviced an existing (and hardly ever
changing) consumer need, desire, want, or
value”
trendswatching.com
“Larger social transformations that shape the way we
behave in various contexts (local or global)”
“When we change… material world also changes”
Sofia Ulver (2020)
GIGA trends
Consumer culture
trends
micro/individual
trends
Source: Own elaboration based on Ulver (2020) & Johanssons (2020)
Materiality
Cultural trends (e.g. political,
ideological) affect the
consumption of the individuals
Mega trends
3. what is a trend?
3
Source: Own elaboration based on Ulver (2020) & Johanssons (2020)
GIGA TREND
MICRO-TREND
MEGA TREND
Consumer culture
trends
Cultural trends (e.g. political,
ideological) affect the
consumption of the individuals
4. The “SDG generation”
4
“growth”is the ruling assumption
in the development agenda, and
financial infrastructures serve as
the circulatory system of this
paradigm
“Strengthen the capacity of
domestic financial institutions to
encourage and expand access to
banking, insurance and financial
services for all”
5. Lets recap…
5
And to see new things it is
important to have grasped what is
’normal” (…)” Johanssons (2020)
Giga/Mega trends
Consumer culture trends
micro/
individual
trends
Neo-green Neo-blue
Source: Own elaboration based on Ulver (2020) & Johanssons (2020)
Materiality
6. The (near) future
6
Payment aspects of financial inclusion in the fintech era – April
2020; Fintech Revolution (2018); See Suri and Jack;2016); Dupas et
al (2018)
(Social) financial relations:
f(Trust, Risk, Value)
How can this function
be optimized ?
Community saving
groups; Cooperatives;
Community knowledge
Traditional
banks
New
Technologies
Information
“centers”
Social
Infrastructures
Image Source: FlatIcon
Blockchain; Artificial
Intelligence
7. The (near) future
7
Image Source: FlatIcon
Digitalise Savings and
loans behaviors of small
communities for third
party legitimization
Create digital token
based on assets and
facilitate exchanges
between people
Through AI algorithms
TALA asses peoples Digital
Lifestyles and give poor
people prompt access to
credits and loan
Decentralised Ledger
Technologies
Blockchain Technologies -
Digital Currencies
Artificial Intelligence
8. what is a trend?
8
“(…) micro trends; that is the
manifestation of mega and gigatrends
in the sustainability area today
Ulf Johanssons (2020)
“A novel manifestation of something that has
unlocked or serviced an existing (and hardly ever
changing) consumer need, desire, want, or
value”
trendswatching.com
“Larger social trends that shape the way we behave in
various contexts (local or global)”
“When we change… material world also changes”
Sofia Ulver (2020)
9. what is a trend?
9
Source: Own elaboration based on Ulver (2020) & Johanssons (2020)
DIGITAL REVOLUTION
DIGITAL FINANCIAL
INCLUSION
DIGITAL LIFESTYLE
10. Final
reflexions
10
•What does this type of inclusion imply?
•Are vulnerable communities being
protected?
•Are we respecting the different logics of
communities?