This document summarizes skepticism towards new payment technologies from industry leaders at different points in time. In three quotes spanning from 1966 to 1984, a Time Magazine article doubts people would shop remotely, a Tesco director is unconvinced of the usefulness of debit cards, and a New Scientist article questions if Britain will buy electronic shopping. The document suggests that industry leaders don't always recognize the potential of new technologies.
Biometrics in mobile payments bring convenience, and in the mass market that will trump trust. The ApplePay model is the right one, as we have consistently advocated.
Biometrics in mobile payments bring convenience, and in the mass market that will trump trust. The ApplePay model is the right one, as we have consistently advocated.
Identity, the Internet of Things and the Blockchain David Birch
Useful models (the Consult Hyperion three domain identity model "3DID" and the "4x4" shared ledger model) employed to help us think through an important topic and explore the outline of a solution.
A discussion about identity and the internet of things, exploring some ideas about the connection between IoT and the blockchain. An edited version of the presentation I gave at TechDaysMunich in July 2016.
Help a non-technical audience to under what shared ledgers are and that the Bitcoin blockchain is only one kind of shared ledger. It includes the YouTube video me presenting at the beginnng.
Presentation to the Dutch National Bitcoin Congress, June 2015. Includes five examples of new businesses on the blockchain which the audience at the event voted for in increasing order of plausibility.
Presentation to the European Payment Summit 2017. My bold claim that shared ledgers are a regtech not a fintech. It's all to do with ambient accountability.
2015 International CES - What I learned at CES and what brands have to knowMatt Doherty
For the past three years I’ve attended International CES. Each year I break down the show into larger thematic takeaways and trends that every brand should know. I look for the bigger picture and implications of technology moving forward and unveil the opportunities at hand over the course of the four day conference. Give it a read. Get inspired by something. And if you have any questions give me a shout out on Twitter (@themattdoh). [Written and designed by Matt Doherty]
What's Next in the Connected Retail World?Greg Kahn
This presentation was given by GK Digital Media at the Elevation Summit on August 21, 2015. It details how the internet of things will impact retailers and consumer product companies within the next few years.
The Internet of Useless Things (and how to avoid it)Mark Brill
With the rapid growth of technologies the #IoT is upon us. There is a danger though, that many of those objects will be useless. This is an introduction into how to develop a brand IoT strategy and how to avoid the useless things. This is an ongoing project and more slides will be added!
The Emergence of IoT and How its Reshaping How We Interact With The Digital W...Steven Cooper
Keynote for the http://www.mosc.my/ conference in Malaysia covering how we have created a digital universe that we are trying to interact with via the world of IoT
In this workshop, Blockchain Marketer Mitchell Loureiro and Designer Paulo Fonseca will help you understand how to use blockchains to design social systems that fuel themselves. You'll learn how to construct your very own decentralised organisation and how to devise an incentive system based on blockchain technology.
How Web Design will reinvent manufacturingMike Kuniavsky
Picture a world where Amazon.com is a factory. Products are made as needed, based on direct input from users to designers and developers. Consumption directly drives production, and data informs design. If we weren't talking about physical products, this would sound a lot like Web/app interaction design, but the worlds of making atoms and bits are quickly colliding, and the implications are profound. By mapping what we have learned creating analytics-driven digital design to the physical world, we can change how everything is made, for the better.
Identity, the Internet of Things and the Blockchain David Birch
Useful models (the Consult Hyperion three domain identity model "3DID" and the "4x4" shared ledger model) employed to help us think through an important topic and explore the outline of a solution.
A discussion about identity and the internet of things, exploring some ideas about the connection between IoT and the blockchain. An edited version of the presentation I gave at TechDaysMunich in July 2016.
Help a non-technical audience to under what shared ledgers are and that the Bitcoin blockchain is only one kind of shared ledger. It includes the YouTube video me presenting at the beginnng.
Presentation to the Dutch National Bitcoin Congress, June 2015. Includes five examples of new businesses on the blockchain which the audience at the event voted for in increasing order of plausibility.
Presentation to the European Payment Summit 2017. My bold claim that shared ledgers are a regtech not a fintech. It's all to do with ambient accountability.
2015 International CES - What I learned at CES and what brands have to knowMatt Doherty
For the past three years I’ve attended International CES. Each year I break down the show into larger thematic takeaways and trends that every brand should know. I look for the bigger picture and implications of technology moving forward and unveil the opportunities at hand over the course of the four day conference. Give it a read. Get inspired by something. And if you have any questions give me a shout out on Twitter (@themattdoh). [Written and designed by Matt Doherty]
What's Next in the Connected Retail World?Greg Kahn
This presentation was given by GK Digital Media at the Elevation Summit on August 21, 2015. It details how the internet of things will impact retailers and consumer product companies within the next few years.
The Internet of Useless Things (and how to avoid it)Mark Brill
With the rapid growth of technologies the #IoT is upon us. There is a danger though, that many of those objects will be useless. This is an introduction into how to develop a brand IoT strategy and how to avoid the useless things. This is an ongoing project and more slides will be added!
The Emergence of IoT and How its Reshaping How We Interact With The Digital W...Steven Cooper
Keynote for the http://www.mosc.my/ conference in Malaysia covering how we have created a digital universe that we are trying to interact with via the world of IoT
In this workshop, Blockchain Marketer Mitchell Loureiro and Designer Paulo Fonseca will help you understand how to use blockchains to design social systems that fuel themselves. You'll learn how to construct your very own decentralised organisation and how to devise an incentive system based on blockchain technology.
How Web Design will reinvent manufacturingMike Kuniavsky
Picture a world where Amazon.com is a factory. Products are made as needed, based on direct input from users to designers and developers. Consumption directly drives production, and data informs design. If we weren't talking about physical products, this would sound a lot like Web/app interaction design, but the worlds of making atoms and bits are quickly colliding, and the implications are profound. By mapping what we have learned creating analytics-driven digital design to the physical world, we can change how everything is made, for the better.
What is Tokenization? Are tokens the future of ownership?
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The advantage of token-based social networks, and why tokens will disrupt all forms of ownership.
185 years Banking Technologies by Wind AmirasWind Amiras
Technology is everything, real-time payments as the latest technological innovation poised to shake up retail banking and the whole commercial sector. And yet a paradigm shift of this magnitude relies on a chain of smaller advances, ranging from improved core processing to tokenization and ever more reliable network security.
Staying abreast of the latest technologies is a huge challenge, because, for most bankers, technology isn’t their primary job. The timeline on the next few pages captures some of the upheavals bankers have already encountered and hints at even more seismic changes to come.
Within the last five years, we’ve seen an influx of new technology such as we’ve never seen before And the advances are going to continue to come quickly.
Drivers for CBDC and implications for architectureDavid Birch
A discussion of the key drivers for central bank digital currency and the implications of those drivers for the likely technical architecture of a retail implementation.
Why anonymity - unconditional anonymity - in central bank digital currency would be a disaster. Hence central bank digital currency cannot be "just like cash".
My presentation to the OMFIF Digital Monetary Institute Symposium, April 2021.
A Short, Strategic Comment on Digital IdentityDavid Birch
A short talk for the Biometrics Congress, explaining the digital identity vision in contrast to the dead-end digitised identity vision.
Here are what people tweeted about it...
@FGQuismondo "I ain’t gonna comment about the brief keynote by @dgwbirch today, no sir, I am not going to... oh, dammit, I can’t resist it: I absolutely love this gentleman! His slide about differences between “digitized identity” and “digital identity” will be in my mind for many many time"
@rickynav "Great presentation from @dgwbirch, a strategic view on digital identity at #BiometricsCongress @BiometricsInsti . Clever and mind opening as always!
@TOC_biometrics proud member."
@seif_benmabrouk "Very interesting session #BiometricsCongress : Digital Identity vs Digitised Identity.
Thank you @BiometricsInsti"
A high-level view of what tokens are and how they can be used to create Distributed Bearer Instruments (DBIs), a exploration of one obvious thing that DBIs can be used for (ie, money) and a model of digital currency to inform discussion.
A few people asked if they could have a copy of my introduction to the Money 2020 Identity Workshop, so here it is. I hope I set the scene well for my excellent speakers and panelists.
A presentation on the "5Cs" who might make money in the future presented at the Russian Fintech Assocation in Moscow in August 2017. Many thanks to BCG for hosting and many thanks to audience for their thoughtful questions and interventions.
Why use a Shared Ledger - short introductionDavid Birch
A snappy 20 minute presentation for TechXLR8 in London with an updated version of the "4x4" ledger model that we use to facilitate discussion between management and technologists.
Tomorrow's Transactions UnConference 2016, Opening Monologue.
The notorious war criminal William the Bastard's illegal invasion of England sparked a fintech revolution in London. The invention of Tally Coins and the Norman Blockchain by the unknown Simon Le Knackermouton revolutionised tax transactions and created the London moneymarkets.
The Impact of FinTech on European BanksDavid Birch
Presentation to the Cass business school as part of their #unbundlingbanks discussion, looking at the impact of opening APIs (XS2A) and the potential for FinTech startups to work with banks.
Mobile payments haven't set the world on fire, but there are reasons for thinking that downstream the mobile wallet will become the normal way to pay for things, in time displacing the plastic card as the consumer's preferred choice.
6. Barry Grange, a Tesco director
who heads the British Retail
Consortium’s committee that
has talked to the banks, has
still to be convinced of the
usefulness of [debit cards].
Will Britain buy electronic shopping?
in New Scientist magazine
(April 29th, 1984).
7. Remote shopping, while
entirely feasible, will flop—
because women like to get out
of the house, like to handle
merchandise, like to be able to
change their minds.
Time Magazine
(1966)
8. There is no reason anyone
would want a computer in their
home — Ken Olsen, founder
and CEO of Digital Equipment
Corporation
speaking at the
World Future Society in Boston
(1977)