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Jouko Ahvenainen
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As private transactions become more and more public, we will see a convergence of ‘private’ deals and ‘public’ deals. Process trust is one dimension that will get built out – with robust infrastructure – to exemplify process trust in private transactions. http://group.growvc.com/news/private-transactions-undergo-transition-to-process-trust

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Financial inclusion is one of the biggest fintech business opportunities. But it is not only a business opportunity; it enables a normal life and equal opportunities for now excluded people. http://www.prifina.com/blog/financial-inclusion-opens-a-fundamentally-new-data-business

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Startup Commons' (a Grow VC Group company) article about data-driven startup and entrepreneurship ecosystems, and how digital platforms enable them - "The real challenge comes, when you wonder, what are the operative sublevel indicators that contribute the most to these traditional KPIs and this is where the digitalisation process fits for producing, collecting and analysing real primary data to match those supporting organisations, services and activities that produce more funding attracted, big investments, more exits, more disruption and eventually more economic development." http://www.startupcommons.org/blog/moving-towards-data-driven-connected-startup-ecosystem

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There is no right and wrong ways to evaluate the FinTech markets. But when companies, entrepreneurs and customers look at the real market and opportunities, the picture is always more complex in practice than in these consulting reports. My Disruptive.Asia column. https://disruptive.asia/fintech-rankings-miss-disruptive-reality/

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Financial inclusion is not only about tools to handle money. Financial data is a very important part of inclusion. Without financial data a person is not able to benefit from most of financial services. My latest Telecom Asia column. http://www.telecomasia.net/blog/content/financial-inclusion-opens-fundamentally-new-data-business

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People like to humanize AI and robots, but it can be very misleading, especially if the business and political leaders don't understand the reality. But it is very human behavior, we make the same mistake often with pets. It easily lead to under-estimate the impact or over-estimate the threats of intelligent machines. My latest Telecom Asia column. http://www.telecomasia.net/blog/content/machines-are-not-humans-nor-dogs 

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"At the same time, FinTech might have an even bigger impact in other areas – not to collect money but distribute it, and then alter the whole value chain." - my latest Disruptive.Asia column, how invisible FinTech might have more impact than the visible FinTech services. https://disruptive.asia/impact-fintech-finance-bigger/

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I wrote about regulatory challenges in disruptive business models. The issues are in principle similar in many industries from finance to taxi, accommodation and even food delivery services. If the regulators deny changes, they can create a gray or black area that is good for no one. Lawmakers and regulators have also their responsibility to follow the development and find new solutions, when anyway often some rules and regulation are needed. But of course also companies have responsibility to try to find solutions with other parties and also work ethically. https://disruptive.asia/motorcycle-accidents-fintech-disruption-regulation/

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Was there something totally new in Cambridge Analytica's work for Trump's campaign? All Clinton's campaing used a lot of targeting, some say even too much, what could be the difference. My latest Telecom Asia column. http://www.telecomasia.net/blog/content/trump-and-cambridge-analytica-big-data-marketing-messaging

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"The terminology for ‘trustless’ transactions or systems may be a bit misleading. The trust is still there, however it encounters a fundamental shift from the actors to the system. Indeed the only way to transact with another party that you do not know, is to be able to have 100 per cent confidence in the system to have nullified the opportunity for a fraudulent, incorrect or otherwise unproductive transaction." - very interesting article from +Markus Lampinen (+Crowd Valley CEO) http://www.altfi.com/article/2813_toward_a_trustless_future
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