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Category: Blockchain

RegTech is Here!

20 September 20221 October 2022
Raul Zambrano
Artificial Intelligence, Blockchain, Economics, Governance
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. Read more

More Light on Financial Inclusion

20 August 202226 September 2022
Raul Zambrano
Blockchain, Economics, Human Development, ICTD, Innovation
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 Read more

Financial Inclusion and Democratizing Finance – III

20 June 20224 July 2022
Raul Zambrano
Blockchain, Economics, Human Development, ICTD
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 Read more

Financial Inclusion and Democratizing Finance – II

10 June 202219 June 2022
Raul Zambrano
Blockchain, Economics, Human Development, ICTD, Innovation
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 Read more

Financial Inclusion and Democratizing Finance – I

30 May 202219 July 2022
Raul Zambrano
Blockchain, Economics, Human Development, ICTD, Social Innovation
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 Read more

More Bitcoin Inequality

15 March 20225 April 2022
Raul Zambrano
Blockchain, Inequality, Innovation
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 Read more

Blockchain Adoption in the Public Sector – II

30 January 20222 February 2022
Raul Zambrano
Blockchain, Governance, ICTD, Innovation
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. Read more

Blockchain Adoption in the Public Sector – I

15 January 202231 January 2022
Raul Zambrano
Blockchain, e-governance, Governance, Innovation
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 Read more

Waiting for yet another Industrial Revolution

5 July 202126 July 2021
Raul Zambrano
Artificial Intelligence, Blockchain, e-governance, Economics, Human Development, ICTD, Innovation
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 Read more

Better “AI for Good”

12 January 202115 January 2021
Raul Zambrano
Artificial Intelligence, Blockchain, Human Development, ICTD
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 Read more

Blockchains and Food Safety

10 September 201915 February 2021
Raul Zambrano
Artificial Intelligence, Blockchain, Climate Change, Human Development, Innovation
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 Read more

Blockchains and Digital ID, II

10 July 201915 February 2021
Raul Zambrano
Blockchain, e-governance, Governance, Innovation
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 Read more

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