Non-Fungible Tokens, Yep.

[Acknowledgemet: I’d like to thank the artist Samar Hejazi for taking the time to walk me through her experiences and reflections on Non-fungible Tokens (NFTs). You can check out her own NFT (shown above) here and the rest of her amazing work here.] Chris Dixon, a VC partner at Andreessen-Horowitz, theorized that activity within the crypto space evolves... Continue Reading →

Whatever Happened to Enterprise Blockchain?

Earlier this month, Coindesk reported on how IBM’s blockchain team has all but vanished. Missed revenue targets, reorganizations, and layoffs seem to have deprioritized IBM’s blockchain efforts and blended its offerings into the rest of the business. Is this yet another sign pointing to the elusiveness of enterprise blockchain? — Blockchains enable value exchange and shared... Continue Reading →

Move Fast and Break Wallets

Around the globe, digital financial services (fintechs) that claim to serve the underrepresented (unbaked or underbanked) are causing widespread hardships. While ostensibly “democratizing” and speeding access to financial services, time and time again, fintechs are taking advantage of regulatory gray areas and exploiting users, who tend to be vulnerable. For example, in India and Kenya,... Continue Reading →

No, the Pandemic Isn’t Accelerating Digital Transformation

Microsoft’s Satya Nadella pronounced that, amid the pandemic, they’ve “seen two years’ worth of digital transformation in two months.” Nadella’s words quickly became a catchphrase, which appears ad nauseam, though in different forms, in articles and thought-pieces that seem to come out on an hourly basis. For example, Forbes said that “because of COVID-19, manufacturing... Continue Reading →

Canada’s Financial Inclusion Opportunity

For the one million unbanked Canadians, and the many more who are underbanked, the COVID-19 crisis is compounding financial hardships to dangerous levels. Those Canadians are the ones who have been marginalized by financial institutions and the fintech ecosystem. In an article that I wrote last year, I showed that less than 2% of fintechs and pretty much... Continue Reading →

It’s Time for Collaborative Finance

Saving Circles can smooth unsteady incomes hit by COVID-19. COVID-19 government relief packages aim to lessen the burden on the many who will lose their jobs or suffer income reductions. Will these measures be enough given the protracted situation? For many, probably not. People can adopt an age-old communal money-saving practice to help smooth their... Continue Reading →

Crypto Investment Theses

[Disclaimer: I don't intend for this article to be investment advice. Seek a duly licensed professional for investment advice and always do your own research before investing.] There are indications of rising institutional investing in crypto. Grayscale's crypto funds attracted a record-breaking $600M in 2019, mostly from institutions. Also, research by CoinDesk shows steady growth in the number of bitcoin... Continue Reading →

The Cryptocurrency Trust Architecture

Cryptocurrencies have a long way to go to achieve mass adoption. The total market cap of all (4,991!) cryptocurrencies is about $203B, less than a fifth of Apple’s [1]. Still, a recurring theme coming from crypto thought-leaders is the salvation of the unbanked. Recently, Twitter’s CEO, Jack Dorsey, who is a longtime bitcoin advocate, pronounced that Africa... Continue Reading →

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