We hosted an Future Female meetup at Taaleri about Robo-Advisors and Cryptocurrencies on Wed 3.10.2018. The keynotes were presented by Antti Törmänen from Evervest and Heidi Hurskainen from Prasos.
Fintech Belgium Summit 2017 - Innovation Impact - Buy- Ibanity by Marc LainezFinTech Belgium
Ibanity, a startup that provides a developer-friendly way for developers to access bank account data, grew from a side project with 500 lines of code and 4 connected banks to serving over 100 subscribers in one day. To comply with regulations and security standards while expanding, Ibanity joined Isabel Group, allowing them to maintain autonomy while benefiting from additional support. Ibanity is now part of a larger organization as it continues its mission of putting customers first.
Fintech, Insurtech and Blockchain results of 2016 and trends for 2017Vladislav Solodkiy
Life.SREDA VC is a venture capital firm that invests in fintech and blockchain startups. It has offices in Moscow, Singapore, and London, and has made 13 investments in Europe, the US, UK, Germany, and CIS since 2012. Life.SREDA also conducts fintech research and publishes an annual report on the state of the fintech industry called "Money of the Future". The summary highlights Life.SREDA's locations, investments, and research activities.
Softelligence digital transformation - friend or foeRevistaBiz
Digital transformation impacts both people and businesses. It involves the interaction of four technology trends: social, big data, mobile, and cloud. When considering digital transformation, one should ask whether it is good or bad for people. Digital transformation rests on pillars including digital intensity, transformation management, vision, governance, engagement, IT, and business alignment.
RMG Russian Venture Capital Market Overview 2Q2013Boris Orlovetsky
Rye, Man & Gor Securities is pleased to present the first issue of the Russian Venture Capital Market Overview, which includes a rundown of Russia’s venture capital market and an industry focus dedicated to the cloud technology market.
Investors Book 2021 - catalog for investors and startups that will allow them to connect in a reliable, efficient way to make ‘perfect match’.
The Investors Book 2021 was created by the Ukrainian Venture Capital and Private Equity Association (UVCA) supported by the USAID through its Competitive Economy Program in Ukraine (USAID CEP) and the Ministry of Digital Transformation of Ukraine.
Managing The Multinational - Thai Fintech Company Expansion To MexicoFarah Lee -
This document provides an analysis of LMDI Pte Ltd's potential expansion into Mexico. It begins with an overview of LMDI and their reasons for international expansion, including market-seeking and asset-seeking motives. Mexico is identified as the target country due to its growing economy, population trends, and potential for growth in fintech. The document then analyzes Mexico's macro and micro environment, including its political, economic, technological and cultural landscape. Finally, it outlines LMDI's proposed strategic alliance entry strategy, organizational structure, and plans to address cultural and regulatory concerns in Mexico. The strategic alliance approach aims to establish partnerships and jointly develop fintech products and services, before potentially advancing to a joint venture.
CB Insights Global Fintech Report Q3 2019Jeff Martinez
Q3’19 fintech funding topped $8.9B, a quarterly record when adjusting for Ant Financial’s $14B investment in Q2’ As of Q3, fintech has raised $24.6B in 2019, already surpassing 2017’s annual total. Funding grew on the back of 19 $100M+ rounds worth approximately $4B in Q3’19.
Deals rebounded slightly in Q3’19 but are likely to fall short of 2018’s record as a result of a continued pullback in early stage investing: Fintech deals in Q3’19 grew 6% from Q2'19, but they have dropped in every quarter in 2019 when compared to the same time frame last year. Early stage (seed/angel and Series A) deals fell to an 11 quarter low and funding hit a 7 quarter low.
The US saw deals dip to an 11 quarter low while Asia saw deals spike and nearly surpass the US in Q3’19: The US saw deals dip as a result of a pull back in early stage deals, which also contributed to the overall drop in 2019 global deals through Q3’19. Asia saw deals rebound as China reclaimed the
lead from India as Asia’s top deal hub.
Southeast Asia fintech topped new annual highs: Southeast Asia set a new annual record with $701M raised across 87 deals through Q3’19 . The top 2 deals since 2015 occurred in 2019: a $100M Series B to Singapore based Deserka and a $100M Series C to Vietnam based MoMo.
India and China continued to battle over the title of Asia’s top fintech hub in Q3’19: China saw deals surge to 55 in the quarter, reclaiming the lead from India with 33 deals. India saw $674M in funding, narrowly pulling ahead of China’s $661M.
Challenger banks have raised over $3B in 2019 YTD and Q3’19 saw $1.3B invested a quarterly funding high: Q3’19 saw challenger banks funding bolstered by rounds to unicorns, including NuBank’s $400M Series F, which was the largest reported equity investment to a challenger bank and made
NuBank the highest valued challenger at $10B. Startup focused challenger banks saw competition heat up with deals to Ramp Financial, Mercury, and Stripe, which launched card issuing.
There are 58 VC backed fintech unicorns worth a combined $213.5B: Q3’19 saw 6 new fintech unicorn births (Hippo, Judo, Deposit Solutions, QuintoAndar, Dave , and C2FO), and 3 more have occurred in Q4’19 as of 11/11/19 (Next Insurance, Ebanx , and Riskified ). Other highly valued unicorns continued to raise late stage capital, including NuBank, Gusto, and Stripe, among others, but none signaled an IPO was imminent.
Portuguese Fintech Guide 2020 2021 Ver. 01
Presentation of ftp fintech partners. Information on all Portuguese fintech startups. more info www.fintech.pt
Fintech Belgium Summit 2017 - Innovation Impact - Buy- Ibanity by Marc LainezFinTech Belgium
Ibanity, a startup that provides a developer-friendly way for developers to access bank account data, grew from a side project with 500 lines of code and 4 connected banks to serving over 100 subscribers in one day. To comply with regulations and security standards while expanding, Ibanity joined Isabel Group, allowing them to maintain autonomy while benefiting from additional support. Ibanity is now part of a larger organization as it continues its mission of putting customers first.
Fintech, Insurtech and Blockchain results of 2016 and trends for 2017Vladislav Solodkiy
Life.SREDA VC is a venture capital firm that invests in fintech and blockchain startups. It has offices in Moscow, Singapore, and London, and has made 13 investments in Europe, the US, UK, Germany, and CIS since 2012. Life.SREDA also conducts fintech research and publishes an annual report on the state of the fintech industry called "Money of the Future". The summary highlights Life.SREDA's locations, investments, and research activities.
Softelligence digital transformation - friend or foeRevistaBiz
Digital transformation impacts both people and businesses. It involves the interaction of four technology trends: social, big data, mobile, and cloud. When considering digital transformation, one should ask whether it is good or bad for people. Digital transformation rests on pillars including digital intensity, transformation management, vision, governance, engagement, IT, and business alignment.
RMG Russian Venture Capital Market Overview 2Q2013Boris Orlovetsky
Rye, Man & Gor Securities is pleased to present the first issue of the Russian Venture Capital Market Overview, which includes a rundown of Russia’s venture capital market and an industry focus dedicated to the cloud technology market.
Investors Book 2021 - catalog for investors and startups that will allow them to connect in a reliable, efficient way to make ‘perfect match’.
The Investors Book 2021 was created by the Ukrainian Venture Capital and Private Equity Association (UVCA) supported by the USAID through its Competitive Economy Program in Ukraine (USAID CEP) and the Ministry of Digital Transformation of Ukraine.
Managing The Multinational - Thai Fintech Company Expansion To MexicoFarah Lee -
This document provides an analysis of LMDI Pte Ltd's potential expansion into Mexico. It begins with an overview of LMDI and their reasons for international expansion, including market-seeking and asset-seeking motives. Mexico is identified as the target country due to its growing economy, population trends, and potential for growth in fintech. The document then analyzes Mexico's macro and micro environment, including its political, economic, technological and cultural landscape. Finally, it outlines LMDI's proposed strategic alliance entry strategy, organizational structure, and plans to address cultural and regulatory concerns in Mexico. The strategic alliance approach aims to establish partnerships and jointly develop fintech products and services, before potentially advancing to a joint venture.
CB Insights Global Fintech Report Q3 2019Jeff Martinez
Q3’19 fintech funding topped $8.9B, a quarterly record when adjusting for Ant Financial’s $14B investment in Q2’ As of Q3, fintech has raised $24.6B in 2019, already surpassing 2017’s annual total. Funding grew on the back of 19 $100M+ rounds worth approximately $4B in Q3’19.
Deals rebounded slightly in Q3’19 but are likely to fall short of 2018’s record as a result of a continued pullback in early stage investing: Fintech deals in Q3’19 grew 6% from Q2'19, but they have dropped in every quarter in 2019 when compared to the same time frame last year. Early stage (seed/angel and Series A) deals fell to an 11 quarter low and funding hit a 7 quarter low.
The US saw deals dip to an 11 quarter low while Asia saw deals spike and nearly surpass the US in Q3’19: The US saw deals dip as a result of a pull back in early stage deals, which also contributed to the overall drop in 2019 global deals through Q3’19. Asia saw deals rebound as China reclaimed the
lead from India as Asia’s top deal hub.
Southeast Asia fintech topped new annual highs: Southeast Asia set a new annual record with $701M raised across 87 deals through Q3’19 . The top 2 deals since 2015 occurred in 2019: a $100M Series B to Singapore based Deserka and a $100M Series C to Vietnam based MoMo.
India and China continued to battle over the title of Asia’s top fintech hub in Q3’19: China saw deals surge to 55 in the quarter, reclaiming the lead from India with 33 deals. India saw $674M in funding, narrowly pulling ahead of China’s $661M.
Challenger banks have raised over $3B in 2019 YTD and Q3’19 saw $1.3B invested a quarterly funding high: Q3’19 saw challenger banks funding bolstered by rounds to unicorns, including NuBank’s $400M Series F, which was the largest reported equity investment to a challenger bank and made
NuBank the highest valued challenger at $10B. Startup focused challenger banks saw competition heat up with deals to Ramp Financial, Mercury, and Stripe, which launched card issuing.
There are 58 VC backed fintech unicorns worth a combined $213.5B: Q3’19 saw 6 new fintech unicorn births (Hippo, Judo, Deposit Solutions, QuintoAndar, Dave , and C2FO), and 3 more have occurred in Q4’19 as of 11/11/19 (Next Insurance, Ebanx , and Riskified ). Other highly valued unicorns continued to raise late stage capital, including NuBank, Gusto, and Stripe, among others, but none signaled an IPO was imminent.
Portuguese Fintech Guide 2020 2021 Ver. 01
Presentation of ftp fintech partners. Information on all Portuguese fintech startups. more info www.fintech.pt
Finch Capital in partnership with Dealroom released a
detailed data analytical report titled ‘The State of European FinTech, 2019 edition’, and reveals the drivers behind the strong value creation, the investors and the buyers of the fintech over the last five years.
The document discusses SPIXII, a company that provides conversational AI solutions for insurance and financial services. It summarizes SPIXII's mission to empower companies through conversational bots, outlines its experience and team, and describes how it works with clients to develop bots for tasks like quoting, customer care, and claims processing. It also provides testimonials from clients and discusses SPIXII's business model and growth plans.
This document lists 34 speaking engagements for Kullarat Phongsathaporn between 2020 and 2022. The engagements cover a wide range of topics related to fintech, cryptocurrency, blockchain, digital assets, and financial regulation in Thailand and other Asian countries. Many engagements were conferences and seminars hosted by industry organizations, while others were with individual companies.
During South Summit 2017, we asked its most relevant attendees for their opinion on several matters. What sector will be hotter? What do you expect from an event like South Summit? Will Fintech be a bubble?
Learn from the best and join us at Bnext.es
This is the second edition of this guide, in 2017 we profiled 59 fintech businesses, and in 2018 we will have 111 companies profiled, and the ecosystem is growing, new additions are on the way.
This dynamic list is in alphabetical order and includes fintech startups, fintech companies or services that belong to major companies, fintech incubators and other fintech stakeholders. All the fintech companies must have Portuguese founders but headquarters can be anywhere.
Combining innovative business models and technology to ENABLE, ENHANCE and DISRUPT financial services.
www.fintech.pt
LaLa World - investment attractiveness report (Digital Rating Agency)digitalrating
Lala World is a Singaporean start-up, founded in April 2016. By September 2016 the company had
opened its India office. In 2017, the company opened offices in Dubai and Malaysia and found partners
in The Middle East and Africa.
Rating score "В1"
Low Fraud Rate
30 mins presentation about the future of FinTech, presented at OP Hoksaamo on the November 25th, 2015. Although I presented in Finnish, most of the slides are in english.
Enjoy! :)
Reilun puolen tunnin presentaatio FinTechin tulevaisuudesta 2020 OP:n Hoksaamo päivässä 25.11.2015.
Ole hyvä! :)
Macro Review of Cryptoassets Landscape - July 2018 by David GogelDavid Gogel
The document provides a macro review and overview of the cryptoassets market landscape and future of financing through digital asset innovation. It discusses key trends like the transition from retail to institutional investors; the growth of cryptonetworks powered by blockchain technology; and emerging investment opportunities in areas like security tokens, custodian solutions, and stablecoins. Regulatory uncertainty remains a challenge but guidance is emerging while self-regulation is also needed. The crypto market cap grew significantly in 2017 before stabilizing at a lower level, and fundraising models are evolving from ICOs to private rounds as the space matures.
"The 10 Most Admired Companies in Sri Lanka 2018"Merry D'souza
Omobio is a leading Sri Lankan company that develops digital and smart solutions for the telecom sector. Founded in 2011, it has grown from a small startup to a team of over 160 employees serving over 30 customers in more than 20 countries. Omobio specializes in products like self-care applications and customer care solutions that help telecom operators optimize their business and improve customer service. The company is led by CEO Eranga Weeraratne, who has overseen its successful expansion and winning of multiple national awards. In addition to serving telecom clients, Omobio is looking to expand its solutions to other industries and continues to invest in R&D to develop cutting-edge technologies like IoT and
This document profiles 20 influential figures in the UK FinTech industry. It provides a brief biography of each person, including their current role and accomplishments. The fintech industry has grown rapidly in recent years, increasing in global value from £3 billion in 2013 to over £20 billion in 2015. The individuals profiled are seen as important leaders and innovators who will help shape and expand the fintech sector over the next few years.
The document discusses the Virtual Trip Entrepreneurial Ecosystem, which aims to be a leading international startup incubator in the ICT sector. It provides various services to portfolio companies, including strategy and business development support, financing access, marketing, legal advice, and office infrastructure. Since 2000, the ecosystem has grown from 5 to 45 employees and 100k to 10.5M euros in revenue. It currently supports several technology startups in fields like e-learning, mobile applications, and software products and services. The founder discusses plans to seek further funding and expansion opportunities to continue supporting innovation and high-tech startups.
Open apis are changing the next Generation of Financial services - Startplatz...figo GmbH
Open APIs are changing financial services by allowing developers to build new services on top of existing banking infrastructure. Banks are under pressure to change as customer behaviors and expectations have shifted towards mobile-first, contextual experiences. APIs provide a solution by allowing developers to easily access financial data and build new universal services, helping address the gap between current bank offerings and customer needs. Figo provides a banking API that developers can use to access user financial data and build new applications and services in a centralized, secure manner.
Smart Villages/LCEDN webinar series
For more information, please go to e4sv.org
https://e4sv.org/events/webinar-crowd-power
If you are a start-up or a smaller energy access firm looking to raise funds, then energy-targeted crowdfunding may just be for you.
Raising the necessary finance for start-up and scale-up energy access ventures on terms that make commercial sense is one of the biggest challenges in the sector. In the search for appropriate finance, innovative energy access projects are increasingly turning to crowdfunding to address their financing need.
Energy4Impact has spent the last 3 years looking into the challenges and opportunities in crowdfunding energy access. In this webinar, they will share some of their findings and recommendations, covering donation, reward, debt and equity crowdfunding. Energy4Impact will be joined by crowdfunding platform partner Lendahand, as well as crowdfunded entrepreneurs Sosai Renewable Energies of Nigeria to present their experiences.
This month, our presenters/discussants will be Energy4Impact's Davinia Cogan, who has been managing their crowdfunding research programme, Koen The, CEO of Lendahand Ethex and Habiba Ali, Managing Director of Sosai RE. In addition to presentations on their experiences, the webinar will include a panel discussion on the various challenges and opportunities of crowdfunding energy access between the presenters, as well as - of course - an opportunity for Q&A with all webinar participants.
Lending Platforms - Presentation by Alexander Artopé, Co-Founder & CEO of smava at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
Jakub Simek from Pontis Foundation and Sote Hub created the first draft of the Sote Talent business idea as an example and use case of our Effective Innovation Canvas. The Sote Talent idea is in early stage of consultations and prototyping. Please feel free to contribute with your comments, corrections and suggestions.
Jakub Simek from Pontis Foundation and Sote Hub created the first draft of the Sote Talent business idea as an example and use case of our Effective Innovation Canvas. The Sote Talent idea is in early stage of consultations and prototyping. Please feel free to contribute with your comments, corrections and suggestions.
This document announces an event hosted by Future Female and Salesforce Finland to celebrate women as trailblazers. The event will include an opening, a panel discussion with women from Salesforce's ecosystem sharing their experiences, and a closing. It will also provide an opportunity for networking. Additional information is provided on Future Female's mission of empowering women and on steps for becoming a trailblazer through Salesforce's Trailhead learning platform. Upcoming similar events are also listed.
Material from our after work event with Gofore.
Change is evident, fast and driven by technology. Digitalization is no longer only an IT project but asks for new ways of working, thinking, leadership and capabilities. It is for sure creating new challenges but we believe also even more new opportunities.
What does the future ask from us individuals and from organizations? How does the future of work look like? The only certain thing is that nobody knows for sure. In a complex world the most valuable thing is ability to change.
Finch Capital in partnership with Dealroom released a
detailed data analytical report titled ‘The State of European FinTech, 2019 edition’, and reveals the drivers behind the strong value creation, the investors and the buyers of the fintech over the last five years.
The document discusses SPIXII, a company that provides conversational AI solutions for insurance and financial services. It summarizes SPIXII's mission to empower companies through conversational bots, outlines its experience and team, and describes how it works with clients to develop bots for tasks like quoting, customer care, and claims processing. It also provides testimonials from clients and discusses SPIXII's business model and growth plans.
This document lists 34 speaking engagements for Kullarat Phongsathaporn between 2020 and 2022. The engagements cover a wide range of topics related to fintech, cryptocurrency, blockchain, digital assets, and financial regulation in Thailand and other Asian countries. Many engagements were conferences and seminars hosted by industry organizations, while others were with individual companies.
During South Summit 2017, we asked its most relevant attendees for their opinion on several matters. What sector will be hotter? What do you expect from an event like South Summit? Will Fintech be a bubble?
Learn from the best and join us at Bnext.es
This is the second edition of this guide, in 2017 we profiled 59 fintech businesses, and in 2018 we will have 111 companies profiled, and the ecosystem is growing, new additions are on the way.
This dynamic list is in alphabetical order and includes fintech startups, fintech companies or services that belong to major companies, fintech incubators and other fintech stakeholders. All the fintech companies must have Portuguese founders but headquarters can be anywhere.
Combining innovative business models and technology to ENABLE, ENHANCE and DISRUPT financial services.
www.fintech.pt
LaLa World - investment attractiveness report (Digital Rating Agency)digitalrating
Lala World is a Singaporean start-up, founded in April 2016. By September 2016 the company had
opened its India office. In 2017, the company opened offices in Dubai and Malaysia and found partners
in The Middle East and Africa.
Rating score "В1"
Low Fraud Rate
30 mins presentation about the future of FinTech, presented at OP Hoksaamo on the November 25th, 2015. Although I presented in Finnish, most of the slides are in english.
Enjoy! :)
Reilun puolen tunnin presentaatio FinTechin tulevaisuudesta 2020 OP:n Hoksaamo päivässä 25.11.2015.
Ole hyvä! :)
Macro Review of Cryptoassets Landscape - July 2018 by David GogelDavid Gogel
The document provides a macro review and overview of the cryptoassets market landscape and future of financing through digital asset innovation. It discusses key trends like the transition from retail to institutional investors; the growth of cryptonetworks powered by blockchain technology; and emerging investment opportunities in areas like security tokens, custodian solutions, and stablecoins. Regulatory uncertainty remains a challenge but guidance is emerging while self-regulation is also needed. The crypto market cap grew significantly in 2017 before stabilizing at a lower level, and fundraising models are evolving from ICOs to private rounds as the space matures.
"The 10 Most Admired Companies in Sri Lanka 2018"Merry D'souza
Omobio is a leading Sri Lankan company that develops digital and smart solutions for the telecom sector. Founded in 2011, it has grown from a small startup to a team of over 160 employees serving over 30 customers in more than 20 countries. Omobio specializes in products like self-care applications and customer care solutions that help telecom operators optimize their business and improve customer service. The company is led by CEO Eranga Weeraratne, who has overseen its successful expansion and winning of multiple national awards. In addition to serving telecom clients, Omobio is looking to expand its solutions to other industries and continues to invest in R&D to develop cutting-edge technologies like IoT and
This document profiles 20 influential figures in the UK FinTech industry. It provides a brief biography of each person, including their current role and accomplishments. The fintech industry has grown rapidly in recent years, increasing in global value from £3 billion in 2013 to over £20 billion in 2015. The individuals profiled are seen as important leaders and innovators who will help shape and expand the fintech sector over the next few years.
The document discusses the Virtual Trip Entrepreneurial Ecosystem, which aims to be a leading international startup incubator in the ICT sector. It provides various services to portfolio companies, including strategy and business development support, financing access, marketing, legal advice, and office infrastructure. Since 2000, the ecosystem has grown from 5 to 45 employees and 100k to 10.5M euros in revenue. It currently supports several technology startups in fields like e-learning, mobile applications, and software products and services. The founder discusses plans to seek further funding and expansion opportunities to continue supporting innovation and high-tech startups.
Open apis are changing the next Generation of Financial services - Startplatz...figo GmbH
Open APIs are changing financial services by allowing developers to build new services on top of existing banking infrastructure. Banks are under pressure to change as customer behaviors and expectations have shifted towards mobile-first, contextual experiences. APIs provide a solution by allowing developers to easily access financial data and build new universal services, helping address the gap between current bank offerings and customer needs. Figo provides a banking API that developers can use to access user financial data and build new applications and services in a centralized, secure manner.
Smart Villages/LCEDN webinar series
For more information, please go to e4sv.org
https://e4sv.org/events/webinar-crowd-power
If you are a start-up or a smaller energy access firm looking to raise funds, then energy-targeted crowdfunding may just be for you.
Raising the necessary finance for start-up and scale-up energy access ventures on terms that make commercial sense is one of the biggest challenges in the sector. In the search for appropriate finance, innovative energy access projects are increasingly turning to crowdfunding to address their financing need.
Energy4Impact has spent the last 3 years looking into the challenges and opportunities in crowdfunding energy access. In this webinar, they will share some of their findings and recommendations, covering donation, reward, debt and equity crowdfunding. Energy4Impact will be joined by crowdfunding platform partner Lendahand, as well as crowdfunded entrepreneurs Sosai Renewable Energies of Nigeria to present their experiences.
This month, our presenters/discussants will be Energy4Impact's Davinia Cogan, who has been managing their crowdfunding research programme, Koen The, CEO of Lendahand Ethex and Habiba Ali, Managing Director of Sosai RE. In addition to presentations on their experiences, the webinar will include a panel discussion on the various challenges and opportunities of crowdfunding energy access between the presenters, as well as - of course - an opportunity for Q&A with all webinar participants.
Lending Platforms - Presentation by Alexander Artopé, Co-Founder & CEO of smava at the NOAH Conference London 2017, Old Billingsgate on the 3rd of November 2017.
Jakub Simek from Pontis Foundation and Sote Hub created the first draft of the Sote Talent business idea as an example and use case of our Effective Innovation Canvas. The Sote Talent idea is in early stage of consultations and prototyping. Please feel free to contribute with your comments, corrections and suggestions.
Jakub Simek from Pontis Foundation and Sote Hub created the first draft of the Sote Talent business idea as an example and use case of our Effective Innovation Canvas. The Sote Talent idea is in early stage of consultations and prototyping. Please feel free to contribute with your comments, corrections and suggestions.
This document announces an event hosted by Future Female and Salesforce Finland to celebrate women as trailblazers. The event will include an opening, a panel discussion with women from Salesforce's ecosystem sharing their experiences, and a closing. It will also provide an opportunity for networking. Additional information is provided on Future Female's mission of empowering women and on steps for becoming a trailblazer through Salesforce's Trailhead learning platform. Upcoming similar events are also listed.
Material from our after work event with Gofore.
Change is evident, fast and driven by technology. Digitalization is no longer only an IT project but asks for new ways of working, thinking, leadership and capabilities. It is for sure creating new challenges but we believe also even more new opportunities.
What does the future ask from us individuals and from organizations? How does the future of work look like? The only certain thing is that nobody knows for sure. In a complex world the most valuable thing is ability to change.
We teamed up with Lexia Attorneys and to tell our audience more about Future of the Built Environment. We had three interesting speakers Reetta Ruusunen from Tieto, Karolina Mosiadz from Mapple and Timo Ruohomäki from Forum.
Robots and humanity – what are the social impacts?Future Female
Robots and humanity – what are the social impacts? meetup was hosted on Thu 25.10.2018 at Futurice.
Futurice’s Minja Axelsson talked about the problems that could in the future be solved by social robots, as well as how to design social robots in a user-centric way. Minja’s talk also touched upon the ethical considerations of robots.
Cristina Andersson discussed the social transformations being brought on by robotics, and the shift from talking about artificial intelligence to cognitive robotics. With technology advancing, how will humans change.
The document provides an agenda for a Future Female meetup event. It includes times for registration, introductions, presentations on legal issues for entrepreneurs and a startup journey case study, expectation discussion in groups, and networking. The presentations will be given by Nea Welling on legal topics and Hanna Lilja sharing her startup journey. The meetup is intended for women interested in technology and entrepreneurship.
This document summarizes the concept of Buusti groups, which are small success-sharing groups that meet every 3 months. Key points:
1) Buusti was started in 2012 in Helsinki by two women who wanted to focus on successes rather than just improvements.
2) Buusti groups are now in their 6th year and typically have 5-8 people who each share a 10-minute success story at meetings.
3) Members say the best parts are learning from others' diverse experiences and perspectives, focusing on positives, and feeling inspired and empowered by sharing and hearing success stories.
Future Female meetup 8.5.2018 Data Driven Leadership Future Female
This document outlines Heidi Peltonen's presentation on how Neste increased their return on marketing investments by 600% through utilizing customer data and analytics. The presentation discusses shifting from a yearly planned campaign approach to account-based, targeted actions that maximize ROI. It provides five steps for measuring marketing impact: 1) start measuring today, 2) utilize all available data, 3) love repeating the process of optimizing, 4) let go of old ways of thinking, and 5) share good results. The presentation concludes by highlighting a campaign for Finnish work that captured 10 million eyes and earned 3 million euros in media value to support unemployed Finns.
Future Female meetup 8.5.2018 Data Drive Leadership Future Female
Vincit is a software company founded in 2007 that has grown to 400 employees. It has been recognized as a best place to work in Europe and Finland for its leadership and people-focused culture. Johanna Pystynen, the Director of People Operations at Vincit, presented on their "Leadership as a Service" program which provides employees a variety of professional and personal development services like mentoring, networking opportunities, and wellness activities to help them succeed.
Sonja Heikkilä is the 28-year-old Program Director of New Mobility Services at OP Financial Group. She has a Master of Science in Engineering from Aalto University and wrote her Master's Thesis in 2014 on Mobility as a Service (MaaS), the first global study on the topic. She enjoys sports and trying new things, and strives for functional service design in her work.
Fortum is developing new digital services for consumers as part of its mobility strategy. This includes Plugsurfing, which handles users, contracts, and billing for over 65,000 charging points across 200+ networks. Fortum aims to invest in, collaborate with, and co-create with startups to provide clean, free energy and reduce personal car ownership through mobility as a service platforms.
Route to revenue - India's transformation to electric mobility by Ulla Koivuk...Future Female
This document summarizes the opportunities and challenges for developing electric vehicle and mobility businesses in India. It identifies enormous consumer demand for affordable transportation services. However, significant challenges must be addressed, including a lack of charging infrastructure, high vehicle costs, and policy uncertainty. The document calls for industry collaboration across the ecosystem to develop recycling, data utilization, education, and multimodal services in order to fully realize the potential of new mobility in India.
Future of Legal Work 8.3.2018 by Johanna Rantanen, DottirFuture Female
The document discusses wanting to change the world through legal design. It talks about how current legal contracts and documents are complex, expensive, slow, and poor quality. The author argues that a modern society needs legal information and products that are engaging, understandable, and usable. The future of law is described as being iterative, technology-powered, multidisciplinary, diverse, and human-centered. The author invites the reader to join them in making this vision a reality.
8.3.2018 Future Lawyers / Sini Majlander and Nea WellingFuture Female
This document discusses the impact of digitalization and legal technology on the legal profession. It notes that digitalization is disrupting every industry and transforming systems of production, management and governance. Legal work is increasingly being affected by technologies like artificial intelligence that can perform some routine legal tasks currently done by junior lawyers. To be successful in the future, lawyers will need skills like technical skills, social skills, lifelong learning and the ability to combine legal work with other fields. Leaders in the legal profession of the future will need strong communication and visionary skills to adapt to changes in the industry.
Legal Tech Lab: A Roadmap to User-Friendly Law 2.0 by Riikka Koulu, Assistant Professor at Helsinki University and one of the founders of Legal Tech Lab.
Future Female MeetUp 14.9.2017: Growth Hacking by Truly Future Female
The document discusses growth hacking, which is a process of rapid experimentation across marketing channels and product development to identify efficient ways to grow a business. It involves generating ideas, prioritizing them, executing them, analyzing the results, and learning from them. An effective growth team consists of experts in product/business, data analysis, technology, and marketing. Their goal is to achieve optimal product-market fit through small, frequent wins rather than few large ones.
Vincit hosted Future Female after work event on Thursday 3rd of August 2017.
Theme for the after-work will be “back to work”. Johanna Pystynen, Director of People Operations at Vincit, will talk to us about how we should lead ourselves and how to return to work without getting too stressed.
Unlocking Productivity: Leveraging the Potential of Copilot in Microsoft 365, a presentation by Christoforos Vlachos, Senior Solutions Manager – Modern Workplace, Uni Systems
Removing Uninteresting Bytes in Software FuzzingAftab Hussain
Imagine a world where software fuzzing, the process of mutating bytes in test seeds to uncover hidden and erroneous program behaviors, becomes faster and more effective. A lot depends on the initial seeds, which can significantly dictate the trajectory of a fuzzing campaign, particularly in terms of how long it takes to uncover interesting behaviour in your code. We introduce DIAR, a technique designed to speedup fuzzing campaigns by pinpointing and eliminating those uninteresting bytes in the seeds. Picture this: instead of wasting valuable resources on meaningless mutations in large, bloated seeds, DIAR removes the unnecessary bytes, streamlining the entire process.
In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
Driving Business Innovation: Latest Generative AI Advancements & Success StorySafe Software
Are you ready to revolutionize how you handle data? Join us for a webinar where we’ll bring you up to speed with the latest advancements in Generative AI technology and discover how leveraging FME with tools from giants like Google Gemini, Amazon, and Microsoft OpenAI can supercharge your workflow efficiency.
During the hour, we’ll take you through:
Guest Speaker Segment with Hannah Barrington: Dive into the world of dynamic real estate marketing with Hannah, the Marketing Manager at Workspace Group. Hear firsthand how their team generates engaging descriptions for thousands of office units by integrating diverse data sources—from PDF floorplans to web pages—using FME transformers, like OpenAIVisionConnector and AnthropicVisionConnector. This use case will show you how GenAI can streamline content creation for marketing across the board.
Ollama Use Case: Learn how Scenario Specialist Dmitri Bagh has utilized Ollama within FME to input data, create custom models, and enhance security protocols. This segment will include demos to illustrate the full capabilities of FME in AI-driven processes.
Custom AI Models: Discover how to leverage FME to build personalized AI models using your data. Whether it’s populating a model with local data for added security or integrating public AI tools, find out how FME facilitates a versatile and secure approach to AI.
We’ll wrap up with a live Q&A session where you can engage with our experts on your specific use cases, and learn more about optimizing your data workflows with AI.
This webinar is ideal for professionals seeking to harness the power of AI within their data management systems while ensuring high levels of customization and security. Whether you're a novice or an expert, gain actionable insights and strategies to elevate your data processes. Join us to see how FME and AI can revolutionize how you work with data!
AI 101: An Introduction to the Basics and Impact of Artificial IntelligenceIndexBug
Imagine a world where machines not only perform tasks but also learn, adapt, and make decisions. This is the promise of Artificial Intelligence (AI), a technology that's not just enhancing our lives but revolutionizing entire industries.
UiPath Test Automation using UiPath Test Suite series, part 6DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 6. In this session, we will cover Test Automation with generative AI and Open AI.
UiPath Test Automation with generative AI and Open AI webinar offers an in-depth exploration of leveraging cutting-edge technologies for test automation within the UiPath platform. Attendees will delve into the integration of generative AI, a test automation solution, with Open AI advanced natural language processing capabilities.
Throughout the session, participants will discover how this synergy empowers testers to automate repetitive tasks, enhance testing accuracy, and expedite the software testing life cycle. Topics covered include the seamless integration process, practical use cases, and the benefits of harnessing AI-driven automation for UiPath testing initiatives. By attending this webinar, testers, and automation professionals can gain valuable insights into harnessing the power of AI to optimize their test automation workflows within the UiPath ecosystem, ultimately driving efficiency and quality in software development processes.
What will you get from this session?
1. Insights into integrating generative AI.
2. Understanding how this integration enhances test automation within the UiPath platform
3. Practical demonstrations
4. Exploration of real-world use cases illustrating the benefits of AI-driven test automation for UiPath
Topics covered:
What is generative AI
Test Automation with generative AI and Open AI.
UiPath integration with generative AI
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Dr. Sean Tan, Head of Data Science, Changi Airport Group
Discover how Changi Airport Group (CAG) leverages graph technologies and generative AI to revolutionize their search capabilities. This session delves into the unique search needs of CAG’s diverse passengers and customers, showcasing how graph data structures enhance the accuracy and relevance of AI-generated search results, mitigating the risk of “hallucinations” and improving the overall customer journey.
HCL Notes and Domino License Cost Reduction in the World of DLAUpanagenda
Webinar Recording: https://www.panagenda.com/webinars/hcl-notes-and-domino-license-cost-reduction-in-the-world-of-dlau/
The introduction of DLAU and the CCB & CCX licensing model caused quite a stir in the HCL community. As a Notes and Domino customer, you may have faced challenges with unexpected user counts and license costs. You probably have questions on how this new licensing approach works and how to benefit from it. Most importantly, you likely have budget constraints and want to save money where possible. Don’t worry, we can help with all of this!
We’ll show you how to fix common misconfigurations that cause higher-than-expected user counts, and how to identify accounts which you can deactivate to save money. There are also frequent patterns that can cause unnecessary cost, like using a person document instead of a mail-in for shared mailboxes. We’ll provide examples and solutions for those as well. And naturally we’ll explain the new licensing model.
Join HCL Ambassador Marc Thomas in this webinar with a special guest appearance from Franz Walder. It will give you the tools and know-how to stay on top of what is going on with Domino licensing. You will be able lower your cost through an optimized configuration and keep it low going forward.
These topics will be covered
- Reducing license cost by finding and fixing misconfigurations and superfluous accounts
- How do CCB and CCX licenses really work?
- Understanding the DLAU tool and how to best utilize it
- Tips for common problem areas, like team mailboxes, functional/test users, etc
- Practical examples and best practices to implement right away
In his public lecture, Christian Timmerer provides insights into the fascinating history of video streaming, starting from its humble beginnings before YouTube to the groundbreaking technologies that now dominate platforms like Netflix and ORF ON. Timmerer also presents provocative contributions of his own that have significantly influenced the industry. He concludes by looking at future challenges and invites the audience to join in a discussion.
Sudheer Mechineni, Head of Application Frameworks, Standard Chartered Bank
Discover how Standard Chartered Bank harnessed the power of Neo4j to transform complex data access challenges into a dynamic, scalable graph database solution. This keynote will cover their journey from initial adoption to deploying a fully automated, enterprise-grade causal cluster, highlighting key strategies for modelling organisational changes and ensuring robust disaster recovery. Learn how these innovations have not only enhanced Standard Chartered Bank’s data infrastructure but also positioned them as pioneers in the banking sector’s adoption of graph technology.
Unlock the Future of Search with MongoDB Atlas_ Vector Search Unleashed.pdfMalak Abu Hammad
Discover how MongoDB Atlas and vector search technology can revolutionize your application's search capabilities. This comprehensive presentation covers:
* What is Vector Search?
* Importance and benefits of vector search
* Practical use cases across various industries
* Step-by-step implementation guide
* Live demos with code snippets
* Enhancing LLM capabilities with vector search
* Best practices and optimization strategies
Perfect for developers, AI enthusiasts, and tech leaders. Learn how to leverage MongoDB Atlas to deliver highly relevant, context-aware search results, transforming your data retrieval process. Stay ahead in tech innovation and maximize the potential of your applications.
#MongoDB #VectorSearch #AI #SemanticSearch #TechInnovation #DataScience #LLM #MachineLearning #SearchTechnology
Let's Integrate MuleSoft RPA, COMPOSER, APM with AWS IDP along with Slackshyamraj55
Discover the seamless integration of RPA (Robotic Process Automation), COMPOSER, and APM with AWS IDP enhanced with Slack notifications. Explore how these technologies converge to streamline workflows, optimize performance, and ensure secure access, all while leveraging the power of AWS IDP and real-time communication via Slack notifications.
Goodbye Windows 11: Make Way for Nitrux Linux 3.5.0!SOFTTECHHUB
As the digital landscape continually evolves, operating systems play a critical role in shaping user experiences and productivity. The launch of Nitrux Linux 3.5.0 marks a significant milestone, offering a robust alternative to traditional systems such as Windows 11. This article delves into the essence of Nitrux Linux 3.5.0, exploring its unique features, advantages, and how it stands as a compelling choice for both casual users and tech enthusiasts.
Programming Foundation Models with DSPy - Meetup SlidesZilliz
Prompting language models is hard, while programming language models is easy. In this talk, I will discuss the state-of-the-art framework DSPy for programming foundation models with its powerful optimizers and runtime constraint system.
GraphSummit Singapore | The Future of Agility: Supercharging Digital Transfor...Neo4j
Leonard Jayamohan, Partner & Generative AI Lead, Deloitte
This keynote will reveal how Deloitte leverages Neo4j’s graph power for groundbreaking digital twin solutions, achieving a staggering 100x performance boost. Discover the essential role knowledge graphs play in successful generative AI implementations. Plus, get an exclusive look at an innovative Neo4j + Generative AI solution Deloitte is developing in-house.
Building Production Ready Search Pipelines with Spark and MilvusZilliz
Spark is the widely used ETL tool for processing, indexing and ingesting data to serving stack for search. Milvus is the production-ready open-source vector database. In this talk we will show how to use Spark to process unstructured data to extract vector representations, and push the vectors to Milvus vector database for search serving.
Communications Mining Series - Zero to Hero - Session 1DianaGray10
This session provides introduction to UiPath Communication Mining, importance and platform overview. You will acquire a good understand of the phases in Communication Mining as we go over the platform with you. Topics covered:
• Communication Mining Overview
• Why is it important?
• How can it help today’s business and the benefits
• Phases in Communication Mining
• Demo on Platform overview
• Q/A
For the full video of this presentation, please visit: https://www.edge-ai-vision.com/2024/06/building-and-scaling-ai-applications-with-the-nx-ai-manager-a-presentation-from-network-optix/
Robin van Emden, Senior Director of Data Science at Network Optix, presents the “Building and Scaling AI Applications with the Nx AI Manager,” tutorial at the May 2024 Embedded Vision Summit.
In this presentation, van Emden covers the basics of scaling edge AI solutions using the Nx tool kit. He emphasizes the process of developing AI models and deploying them globally. He also showcases the conversion of AI models and the creation of effective edge AI pipelines, with a focus on pre-processing, model conversion, selecting the appropriate inference engine for the target hardware and post-processing.
van Emden shows how Nx can simplify the developer’s life and facilitate a rapid transition from concept to production-ready applications.He provides valuable insights into developing scalable and efficient edge AI solutions, with a strong focus on practical implementation.
1. 17.30 Registration and Networking
18.00 Welcoming Words by Future Female & Taaleri
18.15 From Old Ways to New Ways of Investing by Ranjit Mathur, Taaleri
18.30 Robo-Advisors by Antti Törmänen, Taaleri
19.10 Cryptocurrencies by Heidi Hurskainen, Prasos
19.50 Networking, Snacks & Drinks
20.30 End of Meetup
13. 2. Improvements in machine learning will drive more
personalised service
14. But it does not mean there won’t be a need for
human
Low
networth
customers
High
networth
customers
Wealth level Current
service
models
Future service
models
Traditional
wealth
managemen
t
Roboadvice Roboadvice
Traditional
wealth
managemen
t
Hybrid
Roboadvice will continue to grow
its share.
There still will be a need for
personal face to face service.
Traditional wealth management
will be forced to respond and
adapt.
15. 3. When benefits from technology increase regulation
will not protect traditional players anymore
25. Future female network, 3.10.2018
Heidi Hurskainen, CCO, Prasos Oy
Cryptocurrencies - Investment in future technologies
@HeidiHurskainen @PrasosLtd
26. @HeidiHurskainen @PrasosLtd #Futurefemalefi
During the seminar we will go through..
● Speaker’s profile
● Prasos in a nutshell
● Investor´s challenges in the current market
● What are cryptocurrencies and the blockchain
technology
● Development of the economy
● Risks related to cryptocurrency investments
● How to invest in cryptocurrencies
27. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Chief Commercial Officer and Member Board of Directors, Prasos Oy
Vice president, Finnish Cryptocurrency Association Konsensus Ry
Heidi Hurskainen @HeidiHurskainen Linkedin.com/in/hhurskainen
Advisor in an ICO analysis platform ICOVend
Collaborator in Fin-tech.es
+ 10 years of experience in commercial banking sector
28. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Services that we offer
● Bitcoin online exchange
● Secure bitcoin wallet
● News portal
Main services
● Coinmotion.com - Investment platform
● Bittiraha.fi - Bitcoin news portal and exchange
service
● Denarium - Physical bitcoins (cold storage wallet)
Prasos in a nutshell
Prasos Ltd
● Founded in 2012 in Jyväskylä, Finland
● 20 employees - team consists of experts in the fields
● + 220 M€ exchange volume in last financial year
● + 80 000 clients
● Core competence - Cryptocurrency exchange and secure storage
Vision
Best user experience cryptocurrency
exchange service
Lead the cryptocurrency mainstream adoption
Mission
29. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Prasos management team
Henry Brade,
CEO and founder
Henry is a founding member of
Prasos and has been in charge
of daily operations from the
beginning. Henry has a
Bachelor's degree in computer
science and he has been a
Bitcoin enthusiast since 2011.
Today, Henry is considered one
of the most important Bitcoin
specialists in Finland.
Aleksi Kirsilä, CFO Heidi Hurskainen, CCO Sampo Hyvärinen, COO Joel Kaartinen, CTO,
Founder
Aleksi is responsible for the
company's financial
administration and works in co-
operation with Valjas Oy, to
which the bookkeeping has
been outsourced.
Aleksi has made his
professional career in KPMG Oy
Ab. Prior to joining KPMG, he
worked in an accounting firm
and other financial tasks.
Joel Kaartinen is the technical
expert in our team and he is
responsible for the technical
solutions in Prasos’ services.
Joel`s knowledge level about the
blockchain technology is very
high and, alongside his work, he
actively follows the development
of various projects in the sector.
Joel is a founding member of the
company.
Heidi is responsible for sales and
marketing development. She is
actively involved in business
development and coordinates the
company's internationalization
process. She has ten years of
experience in the European
Commercial banking sector in
investment planning and she has
been elected as VP of the Finnish
Cryptocurrency Association
Konsensus Ry
Sampo is a multi-skilled IT
specialist with expertise in
cybersecurity and cyberspace
understanding, partnership
management and project
coordination and management.
In his work, he is actively
involved in product
development.
linkedin.com/in/hhurskainen/linkedin.com/in/aleksi-kirsilä/linkedin.com/in/hbrade/ linkedin.com/in/sampohyvarinen/ linkedin.com/in/joel-kaartinen-
50361a37/
Joonas Järvinen, CFA,
CIO
Joonas is responsible for
developing the company's
investment activities and planning
and developing new investment
products.
Joonas has 8 years of experience in
the development and distribution of
various investment products and
services from Scandinaviska
Enskilda Banken (SEB) and
Mandatum Life.
linkedin.com/in/joonas-järvinen
30. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Our advisors
Telco and communication industry specialist with an
extensive network of industry influencers. Holds a
senior leadership role at Nokia. Co-founder of Vivid
Tech UK, advisor to Fieldforce USA, Partner (non-
Exec) at Digital Ventures UAE, board advisor at the
Alaa TMT Fund UAE, Member of Acumen+, Mentor
at TeamUp PAK. Oxford Alumni and passionate
speaker on Social Enterprise at international forums.
https://www.linkedin.com/in/khalid-aziz-57260b1/
Technology / Media / Telecoms (TMT)
entrepreneur. Investor / founder of several
business ventures in the UK and abroad. Co-
Founder & Portfolio Manager at Altana Digital
Currency Fund. Bitcoin evangelist and startup
adviser.
https://www.linkedin.com/in/alistairmilne/
Entrepreneur and investor based in Singapore,
currently focusing on bitcoin, FinTech and
cybersecurity sectors. He runs a bitcoin and
physical gold savings platform in Singapore, and
is an advisor to one of the largest bitcoin
exchanges in South-East Asia. Ville is MBA,
M.Sc. and Certified Islamic Finance Executive.
https://www.linkedin.com/in/villeo/
Khalid Aziz Alistair Milne Ville Oehman
Prasos management team
Jukka Karhapää
Compliance Officer
Jukka is responsible for compliance and risk
management operations. He has an
extensive experience from several senior
compliance and risk management positions in
the financial service industry including
Alexandria, Intertrust, Front Capital and
Nordea Bank during the last 20 years.
https://fi.linkedin.com/in/jukka-karhapää-3585a56
34. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Challenges in diversification
Low interest rates decrease interest towards fixed deposits
Diversification in funds/shares does not necessarily protect from global risks
● Markets are correlated
● News on one continent affects all
markets
● Greece, China, Brexit, Turkey,
Italy?
● Real estate? Precious metals?
Cryptocurrencies?
Source: Bloomberg Markets
S&P 500 vs. Eurostoxx 50 vs. S&P 50 Asia last 5 years
35. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Interest towards new technologies and Bitcoin is increasing among traditional investors
Reuters, 23.04.2018
Cryptocurrencies receive interest
because:
Price has negative correlation
with global market risks*
New developing market with
interesting profits
New ideological approach
to investing
Investopedia, 10.08.2018
* http://research.ark-invest.com/bitcoin-asset-class
Forbes 22.12.2016
37. @HeidiHurskainen @PrasosLtd #Futurefemalefi
“Cryptocurrency represents the beginning of a new phase of technology driven
markets that have the potential to disrupt conventional market strategies,
longstanding business practices, and established regulatory perspectives—all to the
benefit of consumers and broader macroeconomic efficiency.” -PWC*
*PwC, Money is no object: Understanding the evolving cryptocurrency market
38. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Blockchain is simply
Distributed ledger/database
● Allows trustlessness
● Brings transparency, reliability, speed and saves costs in different transactions
● Allows the creation of smart contracts
Current centralized payment system Distributed system based on blockchain
39. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Blockchain technologies can be categorized by 5 different criteria
Private
Decentralized
Cryptocurrency based
Public
Open source YksityinenVS
VS
VS
VS
VSTuring complete
Closed source
Doesn’t have native asset
Centralized
money supply
Restricted instruction set
Public blockchain
(E.g. Bitcoin, Ethereum)
Private blockchain
(E.g.. Ripple)
40. @HeidiHurskainen @PrasosLtd #Futurefemalefi
In 2025 10% of global GDP will be stored in
Blockchain.*
“Blockchain is not the thing, but it’s the infrastructure that will allow the new things to happen”
From business perspective there is a huge business opportunity since
only a fraction of its potential has been harnessed. * World Economic Forum survey
41. @HeidiHurskainen @PrasosLtd #Futurefemalefi
And we have only seen a peak of its potential
Impact on corporate and institutional structures can be compared to the impact of internet
“and we are still living the 1990’s “
Digital currency Smart contracts Data storage Securities
● Online stores
● Global payments
● Remittance
● P2P-loans
● Micropayments
● Digital rights
● IoT
● DAO
● Real estate
● Health sector
● Ownership register
● Voting
● Patents and
copyrights
● Growdfunding
● Stock market
● Derivatives
42. @HeidiHurskainen @PrasosLtd #Futurefemalefi
There are over two thousand cryptocurrencies in the market right now
Different applications based on the technology are being built all the time
● Value storage
● Remittance
● Different platforms
● Privacy
43. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Global payment method and store of value
● Can be used as payment method in thousands of web stores among traditional
currencies
● Allows instant transfers worldwide
● Acceptance in traditional retail stores is increasing
Bitcoin is a unique system
● Decentralized system - No central governance
● Bitcoin network’s computing power is the most powerful in world, which makes
the system extremely secure
● Number of bitcoins is limited to 21 million and currently the circulating supply is
17,3 million
● Technology based on open source
Over 20 million users worldwide
● Payment method in international business
● Safe haven among USD and gold
● Alternative investment tool also called as digital gold
Bitcoin is a digital asset
44. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Summary of the current state of the cryptocurrency ecosystem
● In 2017 cryptocurrencies broke all-time records in market capitalization, price and number of users. The number
of transactions doubled compared to the previous year.
● The market cap of all cryptocurrencies is approximately 225 billion USD - 36% increase in 12 months despite the
bear market.
● Investments in companies in the sector exceed 4 billion USD up to date. Investments through ICOs have reached
19 billion USD
● Bitcoins are accepted as payment method approx. in over 150 thousand companies.
● In the developing countries the inflation rate of local currencies, problems with banks and currency restrictions
have led to an exponential growth of Bitcoin demand
● The use of Bitcoin as an investment is growing significantly in many parts of the world simultaneously.
● No EU-wide regulation in place until January 2020. 5th AML Directive will cover the cryptocurrency services
providers, registration required locally and several requirements suggested for client asset custody, marketing etc.
46. @HeidiHurskainen @PrasosLtd #Futurefemalefi
● BBVA Ventures invested in Coinbase exchange (Series
C, 75 million USD) in 2015
● Santander Innoventures invested in Elliptic (Series A, 5
million USD) in 2016
● Former UBS bankers raised £80m to set up a regulated
“crypto investment bank” in Switzerland in 2018
Investing in the sector is nothing new
● USAA and Fidelity collaboration with Coinbase
● CACEIS (Crédit Agricole SA) and Bitstamp
● Fidor collaborates with Bitcoin.de and Kraken
● BITCOIN GROUP SE O.N. (ADE) (Germany)
● BITCOIN INVT TR NPV (GBTC) (USA)
● BITCOIN SERVICES I COM USD 0.001 (USA)
● BITCOIN XBT (Sweden)
● SEB Venture Capital invested in Coinify (A Round, 4
million USD) in 2016
● Mitsubishi UFJ Financial Group Inc invested in Coinbase
(10,5 million USD round) in 2016
● Bitstamp raised a total of $12.4M in funding over 2 rounds.
The latest funding came from a Equity Crowdfunding round
in 2017
Direct investments in Bitcoin companies
Collaboration between cryptocurrency
companies and banks
Different investment tools have been
created
55. @HeidiHurskainen @PrasosLtd #Futurefemalefi
● Technically, economically, politically
and socially a new technology
● Regulational risks
● Not backed up by central banks
● Other cryptocurrencies
● Storage of cryptocurrencies in secure
services
● Backups and diversification of funds
to different wallets
● Own hardware wallets
● Conservative investment amount and
diversification in time
● Minimum 2 year investment strategy
● Important to follow the market and
news
Risks related to cryptocurrency investments
● Hacking
● Hardware failure
● Storage fraud
56. @HeidiHurskainen @PrasosLtd #Futurefemalefi
Companies
● Profits are added to the section "Other interest and financial income" in the
income statement
● Losses can be deducted
Purchase and sales information do not go automatically to the Tax Authorities for which it's the client's responsibility to provide
the information.
Cryptocurrency taxation
Natural persons
● In the tax return, profits are calculated on other capital income
● Losses can not be deducted
All the countries apply different regulation
● In Japan Bitcoin is an official payment method
● In Finland cryptocurrencies are considered as assets.
57. @HeidiHurskainen @PrasosLtd #Futurefemalefi
How to invest in cryptocurrencies?
Read more about the subject and follow the market.
Registration to the Finnish Coinmotion platform is easy, fast and
secure.
Sales information stays recorded in Coinmotion and it´s easy to
include to the tax return.
Tervetuloa minunkin puolestani meidän järjestämään Bitcoin-sijoitusiltaan. Mun nimi on Heidi Hurskainen ja tulen tänään puhumaan Bitcoin-sijoituksista ihan perinteisen sijoittajan näkökulmasta. Tarkoituksena on puhua aiheesta rennossa ilmapiirissä ja haluan selventää heti aluksi että vaikka myyntihenkilö olenkin niin mun tarkoituksena ei ole myydä bitcoinia kellekkään vaan lähinnä avata hiukan sitä maailmaa joka siellä taustalla on
Kysymyksiä voi esittää esityksen aikana aikana, mutta meille on varattu reilusti aikaa kysymyksiin myös lopuksi.
Kuinka monelle Bitcoin on entuudestaan tuttu? Kuinka moni on sijoittanut Bitcoiniin? Mitä odotatte tältä illalta?
Aloitetaan meidän firman esittelyllä
Sitten käsitellään nopeasti haasteet joita sijoittajat kohtaavat omissa sijoituksissaan nykyaikana.
Sen jälkeen käydään läpi sitä mitä Bitcoinia ja lohkoketjuteknologian käsitteitä
Käydään läpi Bitcoin-talouden kehityustä
Analysoidaan Bitcoinin riskejä
Lopuksi katsotaan miten mitä askelia kannattaa seurata sijoitusta suunnitellessa
Mulla on 10 vuoden kokemus espanjalaisessa liikepankissa ja
olen toiminut Banco Sabadellissa sekä sijoitusneuvojana että avainasiakaspäällikkönä ja käsitellyt paljon yksityishenkilöiden sijoituksia.
Olen myös Espanjalaisen fintech foorumin jäsen ja seuraan yleisesti finanssiteknologian kehitystä markkinoilla.
Ja sillä sitten päädyin viime vuonna vaihtamaan pankista kokonaan kryptovaluutta puolelle Prasos Oy:hyn jossa toimin tällä hetkellä myyntijohtajana. Olen myös liiketoiminnan kehittämisessä aktiivisesti mukana
Kaikkia meidän yrityksen työntekijöitä yhdistää intohimo tähän alaan ja teknologiaan. Kyseessä ei siis ole pelkkä työ vaan myös harrastus. Me ollaan oltu sektorilla lähes alusta alkaen, hyvät kontaktiiverkostot bitcoin-ydinkehittäjiin ja sektorin avainhenkilöihin. Ja koska tämä teknologia kehittyy niin nopeasti niin nimenomaan tämän aktiivisuuden takia meillä on todella hyvät edellytykset olla mukana tämän alan tulevaisuudessa.
Bitcoin whitepaper eli tekninen speksaus projektista kehitettiin vuonna 2008 ja sen pääkehittäjänä oli Satoshi Nakamoto-nimikkeellä toimiva henkilö tai ryhmä.
Dokumentin otsikko oli A peer-to-peer Electronic cash system eli Henkilöiden välinen sähköinen raha/käteisjärjestelmä.
En usko että oli täysin yhteensattumaa että teknologia syntyi samaan aikaan kuin tähän astisen historian pahin pankki ja finanssikriisi syttyi. Pankki ja finanssikriisi alkoi Yhdysvalloista ja Kriisin seurauksena monet pankit joutuivat vaikeuksiin.
Bitcoinin synty oli itseasiassa aika vallankumouksellinen tapahtuma, koska tämä teknologia mahdollisti ensimmäisen kerran arvon siirron virtuaalisessa muodossa niin että se pystyttiin varmentamaan täysin luotettavasti ja kaiken lisäksi niin että operaatiot pystyttiin varmentamaan hajautetusti ilman keskitettyä tahoa. Esim Paypal oli yrittänyt tätä aiemmin, mutta ei ollut onnistunut siinä.
Tosiaan ennen sijoituspäätöksen tekemistä, jokaisen sijoittajan tulisi miettiä 3 perusasiaa
Mahdolliset rahamenot tulevaisuudessa
Kun lähtee miettimään sijoituksen tekoa niin ihan ensimmäisenä tärkeintä on
miettiä kuinka paljon pystyy sijoittamaan ja millekin ajalle.
Jos sijoittajalla on 100 000 euroa käytettävissään, hänen tulee suunnitella ja ennakoida tulevaisuuteen liittyviä rahantarpeitaan.
Jos esimerkiksi olettaa käyttävänsä 20 000 euroa auton ostoon, tulee se huomioida sijoitusten suunnittelussa ja hätävaraa pitää jättää Saattaa muuten tulla hirveän kalliiksi lähteä purkamaan joitakin sijoituksia ennen aikojaan. Varsinkin joissakin rahastoissa tai osakkeissa kun ne ovat tappiolla.
2) Tunnistaa oma riskinsietokykynsä
On myös erittäin tärkeä tunnistaa minkälainen sijoittaja itse on.
Koska parempi tuotto yleensä tuo mukanaan suuremman riskin, sijoittajan tulee analysoida myös omaa riskinsietokykyään ja miettiä minkä osuuden on valmis riskeeraamaan paremman tuoton odotuksessa. Oletko valmis esimerkiksi 30 % arvonlaskuun valitsemassasi sijoituskohteessa vai viekö jopa 1 % arvonlasku yöunet?
Äkkipikaiset tunteelliset päätökset myynneistä eivät yleensä ole kannattavia
3) Hajauttaa sijoitukset oikealla tavalla
Kun sijoittaja on määritellyt pitkäaikaiseen sijoitukseen tarkoitetun summan ja tunnistaa oman riskinsietokykynsä, tulee viimeiseksi miettiä oikeanlaista hajautusta.
Suomessa 21% varallisuudesta on finanssisijoituksissa ja tyypillisesti monissa perinteisissä sijoitussalkuissa sijoitukset hajautetaan määräaikaistalletusten, vakuutussäästöjen, rahastojen ja osakkeiden välillä.
Alentuneet talletuskorot saavat perinteisiäkin sijoittajia hakemaan vähän lisää riskiä
Vaikka riskisijoituksia jakaisi täysin erilaisiin markkinoihin keskittyneisiin rahastoihin, globaalit taloudelliset ongelmat vaaikuttavat kokonaisvaltaisesti perinteisten markkinoiden toimintaan.
Kuvassa näkyy korrelaatio joka USA:n , Euroopan ja Aasian pörsseissä on
Laaja-alaisesti vaikuttavat ongelmat esimerkiksi Kiinassa, EU:ssa tai Yhdysvalloissa aiheuttavat hajautetunkin osakesalkun arvonlaskua.
Aiheuttaa sijoittajissa epävarmuutta
Tästä syystä kiinnostus vaihtoehtoisiin sijoitusinstrumentteihin on kasvanut
Maailmanlaajuinen kiinnostus alkoi jo neljä vuotta sitten kun Richart Brandson, Bill Gates tai Googlen hallituksen puheenjohtaja Eric Schmidt alkoivat puhumaan Bitcoinin potentiaalista
Toissa vuonna myös suomalainen media palasi puhumaan Bitcoinista varteenotettavana sijoituskohteena
Kauppalehti uutisoi aiheesta heinäkuussa ja arvopaperilehdessä analysoitiin bitcoinia nimenomaan hajautuksen kannalta.
Bitcoin kiinnostaa 3 eri näkökulmasta:
Bitconia väitetään jopa omaksi hyödyke-luokaksi, koska se ei korreloi millään tavalla minkään muun hyödykkeen kanssa (kulta, öljy jne.) ja ainoa korrelaatio, jota on nähty on se että markkinariski-tilanteessa ihmiset hakeutuu Bitcoiniin turvasatamana.
Mielenkiintoinen tuotto. Kuten Bloombergin kaaviossa näkee, Bitcoinin kasvulukemat ovat olleet todella hyviä ja esimerkiksi viime vuoden tuotto oli yli 100%. Bitcoinissa yhdistyy uusi iso teknologinen potentiaali, mutta markkina alkaa olemaan suhteellisen kehittyneet jolloin myös riskit ovat pienentyneet.
Bitcoin antaa myös uuden ideologisen lähestymistavan, koska sen kehityksen takana ei ole mikään keskitetty taho, yritys, valtio tai pankki vaan Bitcoin on avoimen yhteisön luoma ja ylläpitämä järjestelmä. Esim. Linux, joka on internetin käytetyin palvelinkäyttöjärjestelmä on hyvä esimerkki avoimien yhteisöjen kehittämistä menestystarinoista.
https://www.forbes.com/sites/laurashin/2017/01/09/bitcoins-price-was-volatile-last-week-but-not-last-year/#4b8448cb126f
(As David Yermack from the National Bureau of Economic Research asserted in 2013, “Bitcoin’s value is almost completely untethered to that of other currencies… Macroeconomic events that cause similar impacts on the value of various currencies do not seem to affect[bitcoin] either positively or negatively.”35 If anything, in 2016 bitcoin has behaved contrary to othercurrencies that are affected by macroeconomic dislocations.)
5) https://www.bloomberg.com/news/articles/2016-12-16/bitcoin-s-rally-crushed-every-other-currency-in-2016-here-s-why
Bitcoin whitepaper eli tekninen speksaus projektista kehitettiin vuonna 2008 ja sen pääkehittäjänä oli Satoshi Nakamoto-nimikkeellä toimiva henkilö tai ryhmä.
Dokumentin otsikko oli A peer-to-peer Electronic cash system eli Henkilöiden välinen sähköinen raha/käteisjärjestelmä.
En usko että oli täysin yhteensattumaa että teknologia syntyi samaan aikaan kuin tähän astisen historian pahin pankki ja finanssikriisi syttyi. Pankki ja finanssikriisi alkoi Yhdysvalloista ja Kriisin seurauksena monet pankit joutuivat vaikeuksiin.
Bitcoinin synty oli itseasiassa aika vallankumouksellinen tapahtuma, koska tämä teknologia mahdollisti ensimmäisen kerran arvon siirron virtuaalisessa muodossa niin että se pystyttiin varmentamaan täysin luotettavasti ja kaiken lisäksi niin että operaatiot pystyttiin varmentamaan hajautetusti ilman keskitettyä tahoa. Esim Paypal oli yrittänyt tätä aiemmin, mutta ei ollut onnistunut siinä.
To be able to understand the why of cryptocurrencies, I think that it´s necessary to understand the technology under the assets, meaning the blockchain.
Eli bitcoinin pohjalla toimiva lohkoketju on tekniikka, joka mahdollistaa maailman ensimmäisen hajautetun ja läpinäkyvän tietokannan. Tätä tietokantaa voivat täysin luotettavasti ylläpitää ketkä tahansa halukkaat ja toisilleen tuntemattomat tahot.
Se tuo turvallisuutta ja luotettavuutta ja läpinäkyvyyttä ja se perustuu pelkästään matematiikkaan.
Nykyinen keskitetty järjestelmä vaatii pankin tai luottokorttioperaattorin välikädeksi kun taas lohkoketjuun perustuva hajautettu järjestelmä poistaa tarpeen sille kolmannelle osapuolelle koska systeemi itsessään luo läpinäkyvyyden ja turvallisuuden siihen systeemiin.
Lohkoketju on tietokone softa ja siinä tapahtuvat operaatiot perustuvat matematiikkaan. Sinun ei siis tarvitse luottaa esimerkiksi pankkiin ja heidän toimintamalleihinsa.
Kun haluat tehdä siirron bitcoin-verkossa, siirto kirjataan bitcoinin lohkoketjussa olevaan lohkoon. Lohkoketjun yhtä lohkoa voidaan verrata kirjanpidon tilikirjaan, johon kirjataan kaikki tapahtumat tietyllä ajanjaksolla.
Lohkoja käsittelevät louhijat. Eli he ratkaisevat tiettyjä matemaattisia laskelmia jotka vaativat tietokoneen laskentatehoa ja samalla energiaa. He saavat tästä työstä palkkioksi uusia bitcoineja ja toisaalta pienen transaktiokulun joka siirroissa on.
Kun tapahtumat eli vaikkapa rahansiirrot on kirjattu ja tilikirja on suljettu, se voidaan liittää aikaisempiin tilikirjoihin. Näin tilikirjoista syntyy kokonainen lohkoketju.
Yhteen lohkoon kirjattuja tietoja ei voi muuttaa jälkikäteen. Syynä on se, että lohkoketju on hajautettu lukuisille eri tietokoneille. Järjestelmä tunnistaa pelkästään matemaattisesti, jos joku yrittää peukaloida jälkikäteen tiettyä lohkoa muista poikkeavaksi. Toisin sanoen tiedon muokkaaminen vaatisi sen että yksi taho saisi yli 51% bitcoinin lohintatehosta. Käytännössä jos otetaan kaikki Googlen supertietokoneet niin niiden kapasiteetti yltää vain 5% koko Bitcoinin verkon tehosta.
Sen takia se on turvallinen. Ja se turvallisuus vaatii energiaa
Eikä tämän teknologian käyttö rajoitu vain pankkialaan vaan se tulee mullistamaan todella monta alaa julkishallinnosta, musiikkialaan kuin mediaan.
Yleisesti ottaen lohkoketjuteknologiat voidaan luokitella 5 kriteerillä
Avoin vs suljettu lähdekoodi
Avoin lähdekoodi tarkoittaa sitä että systeemi on rakennettu niin että kuka tahansa pystyy auditoimaan sen ja jatkokehittämään sitä. Avoimen lähdekoodin järjestelmissä on vähemmän haavoittuvuuksia ja tietoturvaongelmia kuin suljetuissa järjestelmissä – ja juurikin koska lähdekoodi on kaikkien tutkittavissa. Tämän ansioista kymmenet, ellei sadat, silmät käy lähdekoodia läpi jo testausvaiheessa ja iso joukko huomaa mahdolliset riskit todennäköisemmin.
On olemassa julkisia ja yksityisiä lohkoketjuja.
Se on hiukan sama kuin vertaisi Intrenettiä ja jonkun yrityksen intranettia. Esim Bitcoin on julkinen ja siihen voi liittyä kuka tahansa kun taas yleisesti ottaen pankkien kehittämät lohkoketjut ovat yksityisiä. Tarkoittaa sitä että ne yksityiset tahot jotka hallinnoivat lohkoketjua pystyvät muokkaamaan dataa, jota lohkoketjussa on ja lohkoketjuun pääsy edellyttää avaimia kun taas julkisessa avaimia ei tarvita.
Lohkoketjut voivat käyttää kryptovaluuttaa tai ei.
Mutta käytännössä jos teknologiaa halutaan käyttää oikeassa elämässä, se vaatii natiivi tokenin eli kryptovaluutan.
Sopimuksenvarainen rahavaranto vs. keskitetyn tahon hallinnoima rahavaranto
Tarkoittaa sitä että lohkoketjun säännöt on määrätty, mutta yksi taho pystyy säätelemään rahan määrää. Esim. Ripple tai Tether ovat yksi esimerkki tämänkaltaisesta teknologiasta
Turing täydellisiä tai rajoitettuja käskykantoja.
Turing täydellinen tarkoittaa sitä että se lohkoketju mahdollistaa useamman asian tekemisen eli sama verkko mahdollistaa monta asiaa. Bitcoin ei tätä tee vaan kaikki päivitykset tehdään aina eri kerroksina sen turvallisen pohjan päälle. Toisaalta turing-täydellisyys on hyvä juttu, mutta se tekee siitä verkosta tietyltä osin turvattomamman.
“Blockchain technology is not the thing, but it’s the infrastructure that will allow the new things to happen”
If you think about the new technologies that will rewrite our world like AI, IOT, Drones, Self Driving Cars, Clean energy, all these technologies need a platform onwhich they can operate
World Economic Forumin mukaan vuonna 2025 jopa 10% koko maailman BKT:sta liittyy lohkoketjuteknologian sovelluksiin.
Lohkoketjuteknologialla ei yksin tee mitään, mutta se tulee mahdollistamaan aivan uusia liiketoimintamalleja samalla tavalla kuin internet teki. Kuka olisi voinut kuvitella mihin pisteeseen asti pystymme profiloimaan asiakasryhmiä esim. markkinoinnissa Facebookin avulla? Moni onkin sanonut että lohkoketjuteknologia on nyt samalla tasolla kun internet oli vuonna 95
Ei siis ole ihme että todella monet tahot ympäri maailmaa tutkivat tämän teknologian potentiaalia ja toisaalta taas sijoittajat haluavat olla mukana tässä vallankumouksessa omistamalla joissakin lohkoketjuissa olevia kolikoita kuten bitcoin. Loppujen lopuksi jos sijoitat johonkin tokeniin eli ostat kolikkoja joilla jokin tietty systeemi toimii tarkoittaa sitä että jos se systeemi tulee laajempaan käyttöön niin pystyt periaatteessa sillä kolikolla ostamaan palveluja joita rakennetaan sen systeemin päälle. Toisaalta sijoittajan näkökulmasta varsinkin jos kolikon lopullinen lukumäärä on rajattu, niin sen laajempi käyttö tarkoittaa sen tokenin arvon nousua suhteessa euroon, jonka takia se voi olla kiinnostava myös sijoituksen näkökulmasta.
Jos jonkun kolikon lukumäärä ei ole rajattu niin periaatteessa arvonnousu suhteessa euroon tai dollariin ei ole niin selkeä.
Onko tässä vaiheessa kysymyksiä?
Lohkoketjuja voidaan käyttää todella laaja-alaisesti eri sektoreilla.
Digitaalisena valuuttana (mihin esim. Bitcoinia käytetään)
Globaaleissa maksuissa
2) Älysopimukset (kuinka monelle tuttu?)
Todella mielenkiintoinen sovellus joka tulee olemaan todella mullistava. Esimerkki älysopimuksesta voisi olla vaikkapa auton kauppa: Kun maksu siirtyy ostajalta myyjälle, älysopimus tarkistaa viranomaisen rekisteristä että myyjä on oikeasti auton omistaja ja saa sen myydä. Sen jälkeen älysopimus siirtää välittömästi auton omistusoikeuden ostajalle käyttäen rekisteröintivarmennetta ja hankkii vielä autolle liikennevakuutuksen.
→ Lohkoketjuun jää luotettava merkintä maksun suorittamisesta, omistusoikeuden siirrosta ja liikennevakuutuksen voimassaolosta. Sama asia esim kiinteistökaupassa
(Internet of Things, IoT) eli asioiden internet on yksi vahvasti nousussa olevista aikamme ilmiöistä. Se tarkoittaa verkkoon kytkettyjä esineitä ja laitteita, jotka kykenevät hakemaan tietoa verkosta ja kommunikoimaan toistensa kanssa. Tutkimuslaitos Gartner arvioi, että verkkoon kytkettyjen laitteiden lukumäärä tulee kasvamaan 20 miljardiin vuoteen 2020 mennessä eli se kertoo siitä tulevaisuudesta mikä meillä on edessä.Tilanne muuttuu todella mielenkiintoiseksi, kun IoT:ssä olevat laitteet alkavat neuvotella ja solmia keskenään älysopimuksia. Yksi mieleen tuleva esimerkki voisi olla
jääkaappi → Ruoka loppu → neuvottelee myyjien ja toimitusyhtiöiden tietokoneiden kanssa siitä kuka myy ja kuljettaa jääkaapin omistajan kannalta parhaan paketin juuri kyseisellä hetkellä. Plussana Nopeus, sillä neuvottelut ja sopimukseen pääsy kestäisi tässä tilanteessa muutamia sekunteja. Toimitus ja maksu suoritettaisiin ja todennettaisiin automaattisesti lohkoketjussa. Jääkaapin omistajan aika vapautuu ostosten tekemisestä muihin asioihin.
3) Tiedonhallinta ja säilytys
Esim terveyssektorilla asiakasdatan säilytys voitaisiin tehdä lohkoketjulla niin että eri tahoilla olisi pääsy yhteiseen lohkoketjun pohjalle rakennettuun tietopohjaan välittämättä siitä mitä systeemiä he käyttävät.
Edut:
Korkeampi turvallisuus
Parempi yksityisyys
Vähemmän hallintokuluja
Viime vuoden lopussa tehdyn IBM:N teettämän tutkimuksen mukaan , 16% terveyssektorin johtajista ilmoitti että heillä oli jo tarkempia suunnitelmia kaupallisten tuotteiden rakentamisesta lohkoketjun päälle ja 56% odotti suunnitelmaa vuoteen 2020 mennessä.
Sama pätee äänestykseen, jota ollaan jo testattu esim. Sierra Leonessa.
4) Arvopaperit
Esim. Nasdaq ja Tokio Stock Exchange käyttävät jo lohkoketjuteknologiaa treidausinfrastructuurissa.
Ja vaikka Bitcoin oli ensimmäinen onnistunut lohkoketjuteknologiasovellus, erilaisia projekteja syntyy koko ajan. Osa käyttää täysin samankaltaista pohjaa kuin bitcoin, omilla muutoksillaan ja jokainen periaatteessa hakee ratkaisua erilaisiin asioihin. Välillä tuntuu että uusia projekteja syntyy kuin sieniä sateella ja niiden analysoinnissa kannattaa olla todella varovainen. Näistä itse asiassa FIVA:kin varoitti marras/joulukuussa. Ja ihan oikeutetusti.
Yleisesti ottaen kryptovaluutat keskittyvät eri osa-alueisiin:
1) Arvonsäilytys
Bitcoin on merkittävin arvon säilytykseen keskittyvä kryptovaluutta. Tämän takia bitcoinia kutsutaankin monien tahojen puolelta digitaaliseksi kullaksi.
2) Maksunvälitys
Osa keskittyy siihen että halutaan luoda rahajärjestelmä joka mahdollistaa välittömät siirrot ja pienellä transaktiokululla. Tämähän on erityisen merkittävää esim. koko IOT -ekosysteemin kannalta. Mikromaksut eivät ole mahdollisia nykyisellä systeemillä, kankea, hidas ja kallis
3) Erilaiset alustat
Alustatyyppiset lohkoketjut kuten Ethereum tai NEO keskittyvät siihen että ne tarjoavat alustan jonka päälle voidaan rakentaa erilaisia hajautettuja sovelluksia helposti ja turvallisesti.
4) Yksityisyys
Toisaalta kuten saatetaan kuvitella, bitcoin ei missään nimessä ole anonyymi vaan pseudonyymi - kaikki siirtodata on julkista eli jos joku tunnistaa osoitteen omistajan, tietää kaikki siihen liittyvät transaktiot ja saldot. Bitcoin-protokolla ei ole keskittynyt yksityisyyteen ja tähän on kehitetty toisia kryptovaluuttoja kuten Monero tai Zcash. Niissä ei pysty linkittämään siirtojen lähettäjiä ja vastaanottajia toisiinsa.
Toisaalta täytyy sanoa että vaikka bitcoin on arvonsäilyttäjä ja se toimii maksunvälityksessä, bitcoinin päälle ollaan rakentamassa näitä eri ominaisuuksia päälle tulevilla kerroksilla. Bitcoinin pohjalla on siis erittäin turvallinen systeemi joka toimii moitteettomasti ja jonka toimivuutta on testattu kohta 10 vuotta. Ja sen päälle rakennetaan eri ominaisuuksia. Se on hiukan samanlainen tapa kuin mitä käytettiin internetin rakentamisessa.
Digital payment method in international business
Safe haven among USD and gold
Interesting alternative investment also called as digital gold
Ja toivon että tämä kaikki on avannut hiukan sitä mitä bitcoin on. Se on siis lohkoketjuun perustuva digitaalinen valuutta , jota käytetään tällä hetkellä sekä globaalina maksutapana että arvonsäilyttäjänä.
Sillä voi maksaa tuhansissa nettikaupoissa perinteisen valuutan tapaan
Tehdä siirtoja ympäri maailman välittömästi
Hyväksyntä kasvussa ympäri maailman
Kuten lohkoketjusta jo aiemmin selvisi, sen taustalla ei ole keskitettyä tahoa, joka voisi muokata tai jäädyttää jonkun bitcoin-osoitteen varoja. Pitää muistaa että vaikka asiat ovat Länsimaissa aika hyvin niin yli puolella koko maailman aikuisväestöstä ei ole pääsyä pankkisysteemiin tai se pääsy on erittäin rajattua. Toisaalta on todella monia valtioita, joissa valtion toimintaan ei voi luottaa esim. korruption takia tai joissa vapaata rahaliikennettä valvotaan valtion toimesta.
Bitcoinin laskentateho tekee siitä mahdottoman väärentää. Ja tämä toisaalta on myös se syy miksi bitcoin on päässyt parrasvaloihin monessa mediassa. Toisaalta bitcoin-verkon skaalautuessa tähänkin ongelmaan saadaan ratkaisua tai ainakin pitkällä tähtäimellä se ei enää ole niin relevanttia, koska bitcoin on voinut korvata monet kolmannet osapuolet eri prosesseissa. Tässä vaiheessa se laskentateho on vaatimus turvallisuuden takaamiseksi.
Bitcoinien määrä on protokollassa määritelty 21 miljoonaan, nyt 17 miljoonaa. Uusia bitcoineja luodaan nyt 1800/päivä eli 12,5 bitcoinia/lohko. Tämä puolittuu 4 v välein ja lopulliseen määrään päästään noin v. 2140
Kuten aiemmin sanoin, Bitcoin perustuu avoimeen lähdekoodiin eli kuka tahansa pystyy auditoimaan sen toimintamallin.
Vuonna 2017 Bitcoin on tehnyt kaikkien aikojen ennätyksiä markkina-arvossa, vaihtokurssissa ja käyttäjämäärissä. Korkein yksikköhinta yhdelle bitcoinille n. 15 tuhatta euroa
Vuonna 2018 odotettu korrektio tuli ja hinta tippui alle 8000 eur
Bitcoinin markkina-arvo on nyt noin 90 miljardia euroa, joka on suurempi kuin 60% valtion valuutoista.
Bitcoineja hyväksyy maksuvälineenä yli 150 000 yritystä, ja bitcoin-valuutalla toimivia VISA / Mastercard -maksukortteja on tarjolla jo noin kymmeneltä toimijalta
Jos katsotaan maailmanlaajuisesti bitcoinin laillisuutta niin yleisesti ottaen Länsimaissa bitcoinin käyttö on täysin laillista ja jos ottaa huomioon sen miten se mahdollistaa vapaan rahan liikkumisen niin voi ymmärtää sen mitä bitcoinin kieltäminen kertoo valtion toiminnasta ja rahapolitiikasta.
Ja tällä hetkellä kryptovaluuttoihin ja niiden vaihtoon keskittyneillä firmoilla on useasti ongelmia ei valtion vaan pankkien takia.
Esim. Suomessa kryptovaluutat eivät vielä ole FIVA:n alla, jonka takia monet pankit vetoavat siihen että koska ei voida todentaa bitcoinin alkuperäistä omistajaa varmuudella niin ei voida varmasti sanoa että liiketoiminta seuraa pankkien KYC ja AML-politiikkaa.
Tähän aiheeseen liittyen ollaan oltu lehdistössä ihan KV-tasolla. Yle, Taloussanomat, Bloomberg
Onneksi tilanne ei ole ihan niin katastrofaalinen koko Euroopassa. Esim. Malta ja Sveitsi joka on muutenkin ollut todella edistyksellinen, ovat kryptovaluuttapositiivisia.
Kansainvälisesti merkittävät finanssitahot ovat alkaneet ottaa osaa Bitcoin-talouteen
BBVA Ventures sijoitti Coinbaseen jo vuonna 2015
SEB Venture Capital sijoitti Coinify-firmaan
Santander Innoventures sijoitti Elliptic-firmaan
Mitsubishi UFJ Financial Group Inc on sijoittanut Coinbaseen
Kuukausi sitten maksunvälitykseen keskittynyt Circle osti maailman suurimman kryptopörssin Poloniexin. Mielenkiintoinen kauppa sillä Goldman Sachs eli yksi maailman suurimmista liikepankeista on sijoittajana Circlessä
Myös muu pankkimaailma lähestyy bitcoin-yrityksiä ja mekin tutkimme erilaisia integraatio-malleja finanssitoimijoiden kanssa niin että me toimitaan pankkipalvelun taustalla luotettavana krypto-operaattorina.
Rahastojen lukumäärät, jotka tekevät kauppaa kryptovaluutoilla ovat enemmän kuin kaksinkertaistuneet viime vuoden lokakuusta. Tällä hetkellä on Noin 226 kryptovaluuttarahastoa aktiivisena ja niiden varat yltävät 3,5 - 5,0 miljardin dollarin pääomaan. Tämäkin on yksi osa-alue johon yrityksenä tulemme keskittymään
Eli toisaalta pankit ovat jollakin tavalla todella nihkeitä kryptovaluuttojen suhteen, mutta samalla ne ymmärtävät sen potentiaalin. Esim. Helmikuussa Bank of America puhui vuosiraportissaan bitcoinista ja siitä kuinka se voisi myös olla kaupallinen riski sen liiketoiminnalle.
Jos mennään hiukan lukuihin, Bitcoinin markkina-arvo on nyt 90 miljardia. Vuosi sitten se oli 15 miljardia eli summa on moninkertaistunut laskusta huolimatta. Mielenkiintoista on myös se että vuosi sitten koko kryptovaluuttasektorin markkina-arvo oli n. 23 Miljardia ja nyt se on 211 miljardia Euroa. Parhaimmillaan kok sektorin markkina-arvo oli joulukuussa 660 miljardia eli siitä ollaan tultu alas kaksi kolmasosaa.
Uskon että kohta tulee tasaisempi kausi ja jos teknologian kehitys jatkuu, sykli kääntyy nousukaudeksi tämän vuoden aikana.
Käyttäjien tarkkaa lukumäärää on vaikea määritellä bitcoinien pseudonyymisen luonteen takia, mutta arvoiden mukaan bitcoin-käyttäjiä on yli 20 miljoonaa.
Loppuvuodesta parhaimmillaan suurimmissa palveluissa uusia rekisteröitymisiä tuli yli 30 tuhatta päivittäin ja lopulta palvelut joutuivat rajoittamaan toimintaansa tämän takia koska mikään palvelu ei ollut varautunut räjähdysmäiseen kysynnän kasvuun.
Myös meillä oli haasteita tämän tiimoilta. Loppuvuodesta meidän piti lanseerata uusia palveluita ja jouduimme keskittymään palvelun optimointiin. Ja lähes kaikki toimitusjohtajaa myöten osallistuimme asiakaspalveluun.
Bitcoinin historiassa kurssikehitys on aina ollut syklistä.
1) Tässä kuviossa sitä ei edes enää huomaa, mutta ensimmäinen ns. merkittävä kupla tapahtui vuonna 2011, kun hinta nousi 2 → 32 → taas 5 dollariin.
2) 100 → 900 → 600 pintaan
3) tunnetumpi kupla kun hinta nousi 200 → 1000 → 450
4) Viimeisin, jossa 1200 → 15 000 → 5500
Yleensä joka syklin jälkeen hinta on jäänyt edellistä tasoa korkeammalle. Mutta kellään ei ole kristallipalloa. Nyt hinnassakin saatetaan mennä vielä aika matalalle eikä 4000 tunnu mahdottomalta, mutta korrektion jälkeen moni taho uskaltaa povata bitcoinin nousevan vuoden loppuun mennessä 20 tuhanteen…. mutta sekin on pelkkää spekulaatiota.
Itse näen tärkeämpänä sen että keskitymme bitcoinin teknologian kehitykseen ja pitkäaikaiseen arvonnousuun kuin pikavoiton etsintään
Jos katsotaan vuotta 2018, uskon että se tulee olemaan erittäin mielenkiintoinen. Teknologisen kehityksen saralla on tulossa paljon päivityksiä, jotka ovat positiivisia pitkän ajan kehityksen kannalta.
Salamaverkko = 2. taso bitcoinin lohkoketjun päälle, joka nostaa bitcoinin lohkoketjun kapasiteettia tuhatkertaiseksi, laskemalla samalla operaatiosta aiheutuvia kuluja.
Schnorrin allekirjoitusten uskotaan voivan leikata neljänneksen turhasta tiedosta pois ja lisätä Bitcoin-verkon nopeutta jopa 33%. Lisäksi Schnorrin allekirjoitukset voivat tulevaisuudessa helpottaa erilaisten älysopimussovellusten ohjelmoimista Bitcoinin ympärille.
Näiden sivulohkoketjujen avulla Bitcoinin päälle on mahdollista kehittää monenlaisia uusia sovelluksia, kuten esimerkiksi vaihtoehtoisia virtuaalivaluuttoja, erilaisia lohkoketjua hyödyttäviä sovelluksia tai älysopimuksia.
Eli bitcoin pystyy yhdessä paketissa ratkaisemaan monia asioita, joita moni muu kryptovaluuttaprojekti irrallaan tekee.
D) Bitcoinin sääntelyn kehitys
Relevanttia koko ekosysteemin kehityksen kannalta ja meille on firmana ollut negatiivista että regulaation kehityksessä on mennyt näinkin kauan. Eu-tasolla on tulossa uusi regulaatio vuonna 2019 virtuaalivaluuttoihin ja rahanpesusäädöksiin liittyen.
F) Perinteiset finanssitahot
Bitcoinia ei voida pysäyttää, mutta jos kryptovaluuttojen vaihtoon keskittyvien yritysten liiketoimintaa rajoitetaan, se aiheuttaa sen että markkinoille pääsy vaikeutuu, joka totta kai voi vaikuttaa hintaan.
Jos katsotaan vuotta 2018, uskon että se tulee olemaan erittäin mielenkiintoinen. Teknologisen kehityksen saralla on tulossa paljon päivityksiä, jotka ovat positiivisia pitkän ajan kehityksen kannalta.
Salamaverkko = 2. taso bitcoinin lohkoketjun päälle, joka nostaa bitcoinin lohkoketjun kapasiteettia tuhatkertaiseksi, laskemalla samalla operaatiosta aiheutuvia kuluja.
Schnorrin allekirjoitusten uskotaan voivan leikata neljänneksen turhasta tiedosta pois ja lisätä Bitcoin-verkon nopeutta jopa 33%. Lisäksi Schnorrin allekirjoitukset voivat tulevaisuudessa helpottaa erilaisten älysopimussovellusten ohjelmoimista Bitcoinin ympärille.
Näiden sivulohkoketjujen avulla Bitcoinin päälle on mahdollista kehittää monenlaisia uusia sovelluksia, kuten esimerkiksi vaihtoehtoisia virtuaalivaluuttoja, erilaisia lohkoketjua hyödyttäviä sovelluksia tai älysopimuksia.
Eli bitcoin pystyy yhdessä paketissa ratkaisemaan monia asioita, joita moni muu kryptovaluuttaprojekti irrallaan tekee.
D) Bitcoinin sääntelyn kehitys
Relevanttia koko ekosysteemin kehityksen kannalta ja meille on firmana ollut negatiivista että regulaation kehityksessä on mennyt näinkin kauan. Eu-tasolla on tulossa uusi regulaatio vuonna 2019 virtuaalivaluuttoihin ja rahanpesusäädöksiin liittyen.
F) Perinteiset finanssitahot
Bitcoinia ei voida pysäyttää, mutta jos kryptovaluuttojen vaihtoon keskittyvien yritysten liiketoimintaa rajoitetaan, se aiheuttaa sen että markkinoille pääsy vaikeutuu, joka totta kai voi vaikuttaa hintaan.
Kansainväliset: CoinDesk, Forbes, Bloomberg. Suomeksi: Bittiraha.fi, Aloittelijan opas, sijoittajan opas ja uutiset. Tietoa turvallisuudesta, lompakoista jne.
Coinmotion.com. . Kirjautuminen, pankkivarmennus, ja eurojen siirto tilille. Sijoittaminen kannattaa aloittaa pienellä summalla ja niin tottua Bitcoinin markkinakäyttäytymiseen.