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Technology and Development Redux
RegTech is Here!
Modern FinTech saw the light of day with the launching of ATM machines in the late 60s. A few years later, NASDAQ was born, credit cards exploded and banks started to deploy mainframes and minicomputer computers to support their operations.
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More Light on Financial Inclusion
In a couple of recent posts, I briefly traced the history of financial inclusion and its links to the emergence and diffusion of digital technologies. A recently published book by Nick Bernards tackles the same issue more comprehensively while taking
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Financial Inclusion and Democratizing Finance – III
Show me the money The impact of initiatives such as Grameen Bank (Village phone included) and M-Pesa is still under discussion. From a poverty reduction perspective, the effect has been much more limited. Many countries in the Global South have
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Financial Inclusion and Democratizing Finance – II
Where are the banks? It seems paradoxical that the mainstream history of micro-finance/financial inclusion does not consider banks. After all, banks are supposed to “bank the unbanked.” So banks are not only missing from such a narrative. They are also
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Financial Inclusion and Democratizing Finance – I
From Noise to Signal A couple of weeks ago, El Salvador’s CryptoPopulist President shared on social media news about an international “Bitcoin” meeting his country was hosting starting May 16. He also listed the names of the 44 entities participating
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More Bitcoin Inequality
While still prone to seemingly unpredictable dynamics, Bitcoin’s price seems to have found a new center of gravity in the last year. Since February 2021, the Cryptocurrency has oscillated around 4ok per unit, give or take. It peaked at 67.5k
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Blockchain Adoption in the Public Sector – II
Regulatory frameworks are usually perceived as counter-productive and even nefarious by innovators, pundits and followers. Together they will go out of their way to stop them, arguing that their impact on innovation is lethal, as discussed in a previous post.
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Blockchain Adoption in the Public Sector – I
Over ten years after its creation, the hype on Blockchain Technology (BCT) continues to dominate the scene compared to actual implementation. However, that does not necessarily imply it has remained immune to change. At the very onset, Cryptocurrencies, led by
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Waiting for yet another Industrial Revolution
The PC revolution. The Internet revolution. The mobile revolution. The social media revolution. The blockchain revolution. And the AI re-revolution. We seem to be living in times of Permanent Revolution. Also reminds me of the Age of Revolution that thrived
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Better “AI for Good”
While the dystopian camp perceives digital technologies as a formidable, perhaps even unsurmountable threat to society, those on the other, much more optimistic side do not seem to get tired of repeating its almost countless benefits. The latter camp apparently
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Blockchains and Food Safety
Trade is one of the main trademarks of the globalization process. Nowadays, most countries exchange products and services regularly and use local comparative advantages to specialize in specific trade sectors and/or commodities. Food and agricultural products are important components of
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Blockchains and Digital ID, II
The Evolution of Digital identity The emergence of digital technologies provided the ground to shift from traditional systems based on physical identity. In the past, both foundational and functional identity mechanisms were centralized, with individuals getting a physical document containing
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