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> the future holds a merger of tech with business

Completely agree. And regulators are pushing for this. When.. in retail and SME banking and financial services the future is here, in Europe, but has yet to gain traction and public trust but that's coming quickly. That will be 5 years, change takes time, a long journey for VC money but not too long, they will see returns.

Asia will be slow. NA perhaps slower still. AU might pick up the ball but NZ will be faster if they choose. SG will lag HK because of technical debt in SG. I'm Asia based, not much idea on South America. South Asia are hand-tied by regulation, mainly currency, restrictions, the above regulators will be providing markets with the best retail and SME financial products. A hot place to be, Europe probably hotter coz PSD2.



My feeling is that at some places the effects is still somewhat underestimated.

There’s probably 90% lower hanging fruit than blockchain, if you know what I mean.

Throwing inventive projects at failing orgs will most likely fall flat.

I understand many of the challenges though, and no true recipe for change exists.

The closest I can think about is “letting go”.

I mean, you have people hired for a reason! If you don’t trust them doing their thing, who’s the one hiring them?




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