Irving Wladawsky-Berger
A collection of observations, news and resources on the changing nature of innovation, technology, leadership, and other subjects.
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Category: Digital Money and Payments
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Just about every industry has been significantly transformed in the past few decades. But few have been as disrupted as the music industry. Everything seems to be changing at once, from the way content is produced and delivered, to the sources of revenue and profits. Digital technologies, – the Internet, smartphones, cloud computing, … –…
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Apple Pay was launched in September of 2014. It was positioned as a relatively easy, secure way to pay for purchases in physical stores as well as online using a variety of supported Apple devices including iPhones, iPads, Macs and Apple Watch. The general reaction to Apple’s announcement was quite positive: “[F]or now, at least,…
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A few weeks ago I attended the IBM Blockchain Summit 2017 in New York. The Summit included a number of talks and panels, and – most important, – presentations of concrete blockchain use cases IBM has been working on in a number of areas, including finance, supply chains and healthcare. Such real-world use cases are…
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Last November, Indian Prime Minister Narendra Modi shocked the country by banning the use of all 500- ($7.50) and 1,000-rupee ($15) notes, effectively removing over 85 percent of India’s currency in circulation. Modi said that the ban was intended to curb corruption, tax evasion and the flow of counterfeit money, as well as disrupting terrorist…
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I recently participated in a Treasury Identity Forum organized by the US Treasury Department in Washington, DC. The Forum focused “on the critical role of legal identity for financial inclusion, economic development, and anti-money laundering/counter financing of terrorism (AML/CFT) safeguards, and the development of new technology identification/authentication solutions to help achieve these goals.” It brought…
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Why do firms exist? Ronald Coase, – the eminent British economist and University of Chicago professor, – addressed this question in The Nature of the Firm, – a seminal paper published in 1937 which along with other major achievements earned him the 1991 Nobel Prize in economics. Professor Coase explained that, in principle, a firm should…
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In early August, the World Economic Forum (WEF) published two excellent reports: A Blueprint for Digital Identity, – which I wrote about a few weeks ago, – and The future of financial infrastructure: An ambitious look at how blockchain can reshape financial services, – which I’d now like to discuss. “Distributed ledger technology (DLT), more commonly…
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From time immemorial, our identity systems have been based on face-to-face interactions and on physical documents and processes. But, the transition to a digital economy requires radically different identity systems. In a world that’s increasingly governed by digital transactions and data, our existing methods for managing security and privacy are no longer adequate. Data breaches,…
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Skeptics needing further reassurance that the Blockchain is truly reaching a tipping point can rest easier with the recent publication of Don Tapscott’s Blockchain Revolution, co-written with his son Alex. Don, whom I’ve long known, has a knack for identifying what The Next Big Thing will likely be, and shortly thereafter writing a book to…
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A few weeks ago, the World Economic Forum (WEF) published its annual list of the Top Ten Emerging Technologies for 2016. The technologies on the list have been worked on for years. But their inclusion in the Top Ten List indicates that each has now reached a market acceptance tipping point where its impact can…