Presentation to the European Payment Summit 2017. My bold claim that shared ledgers are a regtech not a fintech. It's all to do with ambient accountability.

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Blockchain and Reality
or
what’s in the blocks?

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David G.W. Birch
Global thought leader in digital identity and digital money;
Global top 15 favourite sources of business information (Wired);
London FinTech Top 10 most influential commentators (City A.M.);
Top 20 Fintech Influencer (JAX London);
Top five Leaders in IDentity (Rise);
Top 10 Twitter accounts followed by innovators, along with Bill Gates
and Richard Branson (PR Daily);
Top 10 most influential voices in banking (Financial Brand);
Top 50 blockchain insider (Richtopia);
Europe’s most influential commentator on emerging payments (Total
Payments).
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Real People, Real Problems
What exactly is the problem
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Because… Blockchain!
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What can the blockchain do for us?

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Finance Industry
The blockchain is the solution to our problems
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Every Industry
In fact, it’s the solution to most industries’ problems
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Everything
I’m forming “Evil Geniuses for Blockchain” If any of you want to join me
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I’ve Seen the Light
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The blockchain is a religion,
not a technology

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Mystic Dave
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Brexit if it rains…
https://www.facebook.com/MoneyConf/videos/2088666904690996/

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Gnosis
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The moving finger writes; and having writ
Moves on; nor all your piety nor wit
shall lure it back to cancel half a line,
Nor all your tears wash out a word of it.
Omar Khayyam (1048-1131)
#Blockchain
Dave Birch (1959-)

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Spreading the Word
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I took the word of the blockchain
out to the people – well, out to the
people who would listen to me
anyway

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What’s in the Blocks?
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Time to pause for breath and ask
ourselves what is the reality

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Why Use a Shared Ledger?
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What’s wrong with DB2?
It was good enough
for my father
and his father before him
There are reasons to use shared ledger
even a double-permissioned ledger
with known participants
and central co-ordination

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Shared Ledgers
Remember this from last year?
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Consensus Computers
A different way of thinking
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Communications: Robustness
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Content: Innovation
Identity on a Shared Ledger
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Consensus: Integrity
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Contract: Flexibility
p.225 Smart contracts need not be limited to finance and when paired with "smart property" — where
deeds, titles and other certifications of ownership are put in digital form to be acted on by software —
these contracts allow the automatic transfer for ownership of a physical asset.
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Shared Ledger is a Regtech
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A shared ledger doesn’t by itself
make payments cheaper or faster
But it might make the payments industry
cheaper and faster

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What’s a Fintech?
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A fintech uses new
technology to change the
cost-benefit for private
stakeholders

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What’s a Regtech?
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A regtech uses new
technology to change the
cost-benefit for society

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