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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A recent NY Times OpEd by Nicholas Kristof observes that: “Just as Communists managed to destroy Communism, capitalists are discrediting capitalism.” “A Pew Research Center poll in December found that only 50 percent of Americans reacted positively to the term capitalism, while 40 percent reacted negatively. Among Americans ages 18 to 29, more had a…
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“Money, it is conventional to argue, is a medium of exchange, which has the advantage of eliminating inefficiencies of barter; a unit of account which facilitates valuation and calculation; and a store of value which allows economic transactions to be conducted over long periods as well as geographical distances,” writes Harvard historian Niall Ferguson in…
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At the beginning of this year I wrote that the transition to universal mobile digital money is likely to be among the most exciting, important and challenging projects the world will undertake in the coming decades. Everything I have learned through the year indicates that, while still in the very early stages, the transition is…
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A couple of weeks ago I attended a workshop on Inventing the Future of Finance cosponsored by ID³ and the MIT Media Lab. ID³, – the Institute for Institutional Innovation by Data Driven Design, – is a new multidisciplinary non-profit institution formed to develop architectural frameworks, open source software and educational content for the protection,…
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The huge success of the Internet and World Wide Web was made possible by the continuous advances in digital technologies over the past few decades. The technology advances were absolutely necessary, – but not sufficient. The underlying IT architecture supporting the new Web-based applications had to radically evolve as well in order to take advantage…
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In part I of this entry, I discussed the need to significantly transform the world's digital payments infrastructure to support the emerging evolution toward univeral mobile digital money. This transformation is a very complex an undertaking that will require significant research and innovation, and will likely play out over many years. Let me summarize some…
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In 2010, the BBC and the British Museum collaborated in a project called A History of the World. The heart of the project was a BBC Radio program which focused on one hundred objects from the collection of the British Museum, around which you can tell the history of humanity over the past two million…
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At the beginning of March, I started to work with Citigroup as strategic advisor for innovation and technology. This is a part-time position, which I will take on while continuing my current activities with IBM, MIT and Imperial College. When I retired from my full time position at IBM last May, my intent was to…