To summarise these are the top areas to consider:

1. ESG 360 will become a new DNA for finance and businesses

2. Digital assets, including Bitcoin, will become mainstream 

3. Metaverse NFT certification will become mainstream 

4. Carbon footprint will become the new financial credit score

5. The healthcare sector and data will become the new ID fintech footprint

6. DeFi and Cefi will increasingly merge 

7. AI Open Finance Web3.0 Metaverse will lead, disrupt, and replace the global financial economy

The last years were the years of fostering innovation and digital transformation for fintech and for our society, partly because of the Covid-19 pandemic. However, 2022 will accelerate the AI and P2P growth, creating fintech-driven communities continuously using Blockchain, the Metaverse, and NFTs as critical pillars of their foundations.

The financial services continued to have their waves and moments, as fintech fundraising surpassed the levels seen in previous years. In the next years, we might experience some troubles in the financial sector. Hence why we project that 4IR and Society 5.0 will drive fintech. These technologies will transform our society in a way that welcomes fintech into all business sectors, with a view that every business becomes a fintech eventually.

According to the data from Infinite Market Capitalisation, the market cap of Ethereum has surpassed that of every global bank, including JP Morgan.

1. Digital assets, including Bitcoin, become mainstream 

As businesses evolved over the previous decades, taken over by the internet and wireless communications in every dimension, the use of crypto is gradually becoming a common trend, especially in the financial services industry. Finance-related apps are increasingly adding crypto products and features to their wallets. For example, some challenger banks are allowing their customers to increase their share of yield by offering DeFi (decentralised finance) solutions. Similarly, larger banks are experimenting, for now at a small scale, with lucrative crypto offers. Another trading app, Robinhood, has recently started to allow crypto trading on its platform.

To facilitate the integration and management of the correct balance between the fiat and crypto financial solutions, we will see the advent of more (and better) crypto infrastructure. This trend will enable consumers to utilise transfers, yield, and many more related services. Further, these infrastructure moves will support a new wave of fintech companies, giving rise to a revolutionary phenomenon – DeFi mullets in 2022 (DeFi in the back end, and fintech in the forefront). 

Over the past decades, Bitcoin has entered the mainstream to successfully become a value store. After a slow rise, it gained immense traction in 2021, reaching all-time highs, and building up a considerable demand for the cryptocurrency. This trend is promising to blossom in the coming year, with the increase in trust among the users of the underlying blockchain technology. 

2022 looks very promising for Bitcoin owing to its guerilla-style marketing strategy involving word-of-mouth practice and heightened expectations due to promising projections. Further, its unpopularity amongst the federal governments is one of the factors that drive the victims of the flawed system of traditional banking to embrace revolutionary technology.

2. Institutional retail interest in digital assets grows

With many institutions accepting the trade of cryptocurrency for carrying out their businesses, the masses are increasingly vesting their trust in blockchain technology. By the end of the previous year, institutional investments started flowing in from the like as – The European Investment Bank, Visa, JP Morgan, Square, and even Twitter. 

The trend looks even brighter for the coming year with the rise of more crypto exchanges in the marketplace. This is bringing more cash flows due to conversions from fiat currencies to crypto. Technology seems to be evolving with the passage of time, tempting many new players to enter the grounds.

3. A shift to Metaverse experiences progresses 

The web-based social platforms – Reddit, Twitter, Meta, and other online discussion forums are constantly discussing crypto for good reasons. A variety of participants- crypto enthusiasts, investors, and traders are increasingly getting involved in almost every manner- discussion forums, chats, and even live interactive broadcasts. These are the enlightening sources that can guide a seasoned as well as a new entrant in the world of crypto about price trends, trading strategies, and volatility.

Community-level crypto fundraisers like GameStop saga, ConstitutionDAO, or Citadel’s Ken Griffin provide an illustrious picture of the digital community that willingly directs its funds for a greater cause. Such a trend will gain momentum in 2022 when collective action of the community would involve various technological solutions like NFTs, digital assetisation, and Metaverse experiences.

4. Carbon footprint becomes the new financial credit score

ESG (Environmental, Social, and Corporate Governance) is a critical aspect of our modern-day sustainable living. 

According to an estimate by OECD and World Bank, an investment of 6.9 trillion will be required by 2030 to meet the ESG targets for climate and development. The current spending on infrastructure is no more than USD 3.4 – 4.4 trillion, lagging significantly more than what is required.

Fiscal constraints and societal challenges like health, ageing population, and education overwhelm the governments and central institutions in bridging this gap. These enormous infrastructure challenges make it difficult to realise the UN estimates that by 2050, approximately 70% of the global population would be inhabiting urban areas. Thus, while governments, communities, and businesses would be upgraded to an equal economic status, society still faces the challenge to increase the momentum of development with innovation and technological advancements. 

5. The healthcare sector becomes fintech-savvy

Some fintech products have the potential to be a breakthrough for the healthcare sector. In this industry, diversification into new revenue streams is critical. The payments are usually complicated (using the third-party payer system), for instance, which means that traditional products such as Stripe may not be the answer. The potential here is enormous.

6. Metaverse, NFTs, and DeFi increasingly merge with fintech

Decentralisation is the term of the day. Everyone is speaking about it. DeFi (Decentralised Finance) is not just a trend, however. It is clear that the everyday person is tired of centralised money supply control; the growth of Bitcoin and other cryptocurrencies proves that. And although the federal government may still stop this development and come in with new regulations, this would be against the wishes of its electorate.

7. AI Web3.0 community will lead the global financial economy and society

The current financial system is not working for everyone, it is clear. The communities that have been unable to build generational wealth are looking for a meaningful alternative. This is where Web3.0 comes in. Its constituency is young and diverse. Statistically, 9% of millennial voters, 73% of Hispanic voters, and 79% of Black voters are more likely to support a candidate who agrees that we should expand Web 3.0. 

Conclusion:

“It is not the strongest of the species that survives, nor the most intelligent that survives. It is the one that is the most adaptable to change” – Charles Darwin.

If the 1st generation of the digital revolution brought us the Internet of information and data, the 2nd generation, now powered by blockchain + AI, as well as NFTs and Web3.0, is bringing us the Internet of value, money as digital assets, and digital twins identity.

We are now at a stage where digital community, token-driven platforms are the go-to platforms reshaping the world of business, healthcare, wellness, finance, and human affairs.

Finance is about managing financial assets. What we are experiencing now is all about technology and data but without forgetting the basics – the relationships between clients/partners.

New technologies are rapidly reshaping the entire financial services sphere. Fintech is no longer the headline, it is now the industry reality. Banks, insurers, and asset managers are knee-deep into the potential of such technologies. These will soon merge with Web 3.0 integration. This is followed by Blockchain, NFTs, and increasingly the Metaverse, where digital twins will become an integral part of our lives.

These technologies are the main drivers helping transform the finance industry and to stay on top of ever-changing consumer expectations. 2022 will be a powerhouse year for substantial disruption in this area.

Dinis Guarda

Dinis Guarda is the founder of intelligenthq.com and an author, serial entrepreneur and CEO of ztudium that manages openbusinesscouncil.org, fashionabc.org, blocksdna.com, lifesdna.com.

He creates and helps build ventures focused on global growth, 360 digital strategies, sustainable innovation, Blockchain, Fintech, AI and new emerging business models such as ICOs / tokenomics.

Dinis is the founder/CEO of ztudium that manages blocksdna / lifesdna. These products and platforms offer multiple AI P2P, fintech, blockchain, search engine and PaaS solutions in consumer wellness healthcare and life style with a global team of experts and universities.

He is the founder of coinsdna a new swiss regulated, Swiss based, institutional grade token and cryptocurrencies blockchain exchange. He is founder of DragonBloc a blockchain, AI, Fintech fund and co-founder of Freedomee project.

Dinis has created various companies namely Ztudium, a tech, digital and AI blockchain startup that builds cutting edge software, big data insights, publishes intelligenthq.com, hedgethink.com, fashionabc.org, openbusinesscouncil.org and tradersdna.com, citiesabc.com among others.

Dinis is the author of various books. His upcoming books “4IR AI Blockchain Fintech IoT Reinventing a Nation“, “How Businesses and Governments can Prosper with Fintech, Blockchain and AI?”, also the bigger case study and book (400 pages) “Blockchain, AI and Crypto Economics – The Next Tsunami?” last the “Tokenomics and ICOs – How to be good at the new digital world of finance / Crypto” will be launched in 2018.

Some of the companies Dinis created or has been involved have reached over 1 USD billions in valuation. Dinis has advised and was responsible for some top financial organisations, 100 cryptocurrencies worldwide and Fortune 500 companies.

Dinis is involved as a strategist, board member and advisor with the payments, lifestyle, blockchain reward community app Glance technologies, for whom he built the blockchain messaging / payment / loyalty software Blockimpact, the seminal Hyperloop Transportations project, Kora, and blockchain cybersecurity Privus.

He is listed in various global fintech, blockchain, AI, social media industry top lists as an influencer in position top 10/20 within 100 rankings: such as Top People In Blockchain | Cointelegraph https://top.cointelegraph.com/ and https://cryptoweekly.co/100/ .

He has been a lecturer at Copenhagen Business School, Groupe INSEEC/Monaco University and other leading world universities.

He is a shareholder of the fintech social money transfer app Moneymailme and math edutech gamification children’s app Gozoa.

Between 2014 and 2015 he was involved in creating a fabbanking.com a digital bank between Asia and Africa as Chief Commercial Officer and Marketing Officer responsible for all legal, tech and business development. Between 2009 and 2010 he was the founder of one of the world first fintech, social trading platforms tradingfloor.com for Saxo Bank. In 2011 he created the B2B platforms socialmediacouncil.org and openbusinesscouncil.org with Jamie Burke.

The post Fintech 7 Big Trends for 2022: ESG, Digital Assets, Metaverse NFTs, Healthcare Fintech, AI Open Finance, Dinis Guarda expands on those in his newest piece appeared first on OpenBusinessCouncil Directory.

Timeshare, on the other hand, is the arrangement where several owners share a vacation property according to the fraction they can pay for. In other words, if you are involved in a timeshare scheme, you will enjoy the right to use that share of the property you have bought as a holiday home.

LynKey provides timesharing solutions to Vietnam’s economy by introducing a marketplace that can help you utilize your vacation property. The real estate is given the power of an NFT asset to use the blockchain’s security network and provide a world-class luxurious holiday experience to the stakeholders.

Creating a timesharing opportunity to capitalize on the desperation of the vacation industry post-pandemic crisis

COVID-19 pandemic created a worldwide situation of crisis, giving the travel and tourism industry the hardest blow anyone could ever expect. Though the timeshare concept has been there for quite some time, crypto travel is still in its infancy. Blockchain is providing the solutions for money, health, travel, and almost everything at such a fast pace, that timesharing is also guaranteed to witness evolution.

LynKey is the community created to tokenize premium holiday properties at selected sites in Vietnam and South-East Asia. The ecosystem links global audiences to tourism and property technology using smart contracts and NFTs. The rewards and loyalty benefits are digitized in the form of tokens. Moreover, the power of blockchain can help you plan your vacation in the most transparent and reliable manner possible.

Merging NFTs with timesharing bestows you with the following advantages:

• First access opportunity to buy and license experiences at premium holiday properties- LynK tokens are managed peer-to-peer, with rights to be sold, transferred, or traded over the ecosystem’s marketplace.

• Excellent staking and yield farming rates Further, you could also collateralize by lending LynK tokens and asset shares, and earn excellent margin licensing rates.

• VIP treatments at all LynKey resorts LynK token holders would be able to swap the days, the incentive points, and the location (of other resorts) later among themselves, on the marketplace, or within the LynKey ecosystem.

• Play-to-earn: major proportion of token revenue in the ecosystem is given back to the holders.

• You would easily be able to make a connection with these if you are well versed with the blockchain’s terminologies. For the beginners as well, LynKey would evolve to reap the fruits with your advancing knowledge.

NFTs and Timeshare collaboration promise a bold new future

It is quite evident that the timeshare market is not going to upgrade overnight. Gradual beginnings are going to make a long-term impact on the real estate, travel, and tourism industry in various ways one could not have predicted earlier. LynKey is a prospective venture to invest your hard-earned crypto to enjoy a much-deserved luxurious holidaying experience in nature’s own place.

Follow and like LynKey on Social Media:

Instagram: https://www.instagram.com/lynkey

Twitter: https://twitter.com/LynKey_

Telegram channel: https://t.me/LynkeyToken

Telegram chat: https://t.me/LynKeychat

Reddit: https://www.reddit.com/r/LynKey_Global/

Facebook: https://www.facebook.com/Lynkeytoken

Hernaldo Turrillo

Hernaldo Turrillo is a writer and author specialised in innovation, AI, DLT, SMEs, trading, investing and new trends in technology and business. He has been working for ztudium group since 2017. He is the editor of openbusinesscouncil.org, tradersdna.com, hedgethink.com, and writes regularly for intelligenthq.com, socialmediacouncil.eu. Hernaldo was born in Spain and finally settled in London, United Kingdom, after a few years of personal growth. Hernaldo finished his Journalism bachelor degree in the University of Seville, Spain, and began working as reporter in the newspaper, Europa Sur, writing about Politics and Society. He also worked as community manager and marketing advisor in Los Barrios, Spain. Innovation, technology, politics and economy are his main interests, with special focus on new trends and ethical projects. He enjoys finding himself getting lost in words, explaining what he understands from the world and helping others. Besides a journalist, he is also a thinker and proactive in digital transformation strategies. Knowledge and ideas have no limits.

The post Timeshare And NFT Powered Solutions For A Premium Vacation Experience appeared first on OpenBusinessCouncil Directory.

citiesabc and openbusinesscouncil CEO Dinis Guarda’s recent webinar showed the important role that digital assets, NFTs and DeFi will play in the future of the global economy and exchanges. In conversation with fintech pioneers in Europe and the US, Guarda fuelled debates over cryptocurrency and how to bridge the gap between traditional banking and modern finance. The article below outlines important points made (and conclusions drawn) from the webinar.

Crypto, blockchain, bitcoin, DeFi; these are words heard of by many and understood by few. A top priority for Guarda and the other panellists was to democratise the language surrounding modern (and future) finance, and stress its newfound (and continually increasing) accessibility.

True, crypto holds a diminutive place in the global financial landscape at present – evidence of its relative exclusivity. The digital crypto landscape currently stands at $1.7 trillion: a meagre sum next to the world economy in collected GDPs (excluding assets), which currently stands at $83 trillion; or next to the FX market, worth $7 trillion; or the equities market, worth $85 trillion; or the fixed income market, worth over $100 trillion.

However, Douglas Borthwick, Chief Marketing and Business Development Officer of INX Services, anticipates these figures will “change at a speed which no one is really ready for”. He argues that while only 0.5% of Americans have an electronic wallet at present, there is a chance that, within the next year alone, as many as 60% will. Indeed, the OCC (Office of the Comptroller of the Currency) seems keen to discard ACH and swift wire transfers, and encourage the American citizen to use USDC stablecoins instead. Drawing an analogy, Borthwick reminded his audience that cell phones were shunned by the average citizen in the first ten years of their existence as they were deemed dangerous and unnecessary; current statistics estimate that there are now 1.4 mobile phones for every American citizen. In other words, it is not unprecedented for an innovation to flatline before it surges.

The panellists agreed this surge starts now. Already, blockchain is being adopted outside the realm of pure finance, with retailers and auction houses such as Christie’s employing NFTs (Non-Fungible Tokens) as an alternative form of commercial transaction. While the first wave of cryptocurrency users and advocates were “anarchists” coming out of the 2008 financial crisis disillusioned with the economic establishment – in the words of panellist Guenther Dobrauz, Partner at PwC Zurich – the second wave is sure to be a larger group of people following a more global movement away from traditional finance.

What does blockchain offer which traditional finance does not? The primary selling point is the removal of middlemen – or, as Borthwick puts it, “friction in the marketplace”: “assets, especially on the equity side, are going to move to blockchain for pure AML (anti-money laundering) and KYC (know your client) reasons”. Borthwick resorted to another analogy to further illustrate these advantages:

Remember in the old days when you wanted to raise funds, whatever your target, 1 million, 5 million, 100 million, you always had to give 5-6% to the underwriter: the person helping you raise that money. You don’t have to do that anymore with the type of security token that we designed and put together with the SEC.

What is the next step in Borthwick’s game plan? To passport digital securities that have come out in foreign jurisdictions for use in the US, so they can be traded on American exchange platforms. Two essential challenges remain: first, that the technology developed for blockchain was not intended to bridge any gaps between modern and traditional banking; second, that European countries are largely divided when it comes to blockchain rules. This poses real, legal problems; but Borthwick is confident that the impending surge in blockchain adoption will be naturally accompanied by new regulatory and compliance laws: supply follows demand. Indeed, Borthwick anticipates that “every single company specialised in equity – in the US, Switzerland, Germany and elsewhere – is going to move to the blockchain. Every five-year note, every ten-year note, every treasury bill, will move onto the blockchain.” The regulation of coins and tokens will thus be institutionalised.

Hirander Misra, Chairman & CEO of GMEX Group & SECDEX, further expanded on the jurisdictional challenges touched upon by Borthwick:

Let’s say there’s custody and issuance in the UK but that particular entity doesn’t want to issue tokens; how do we overlay that with tokens? Let’s say the Seychelles offer those out to a wider audience, but then how do you align the corporate actions or proxy-based actions or any other elements by way of smart contracts with those jurisdictions? […] Everyone talks about blockchain being a magic wand formula, but a liquid bond – whether it’s on a blockchain or not – is still a liquid bond.

While the digital exchanges set up in the blockchain landscape act like walled gardens on security, Misra argues, this is a problem which can be solved from a technical perspective. Indeed, he sees “a lot of opportunity around structuring products and packaging them in portfolio-based plays.” There is a gap in the market for the distributed transfer agencies and registries specialised in token transfer, which Misra identifies as a crucial playing point.“The focus has got to be on quality rather than quantity,” he argues. “Quality will lead to trust and scale accordingly.”

Peter Kristensen, Co-CEO at JP Fund Services, also stressed the importance of quality and transparency: “you can run from regulations, but you can’t hide from them,” he said, reflecting on his own professional experience. Derek Mayne, co-Founder of Cresco, championed similar ethics, arguing that his enterprise is built on three pillars: regulation, insurance, and blockchain. It’s this “three-way balance” that makes Cresco FX products desirable, according to Mayne. But transparency is not easily reached. Borthwick spoke of the challenges of DeFi work in the US; DeFi is based on anonymity, yet “you cannot move an INEX token to another wallet unless that wallet is whitelisted” – that is, unless it has gone through AML and KYC checks. This restricts the DeFi audience as institutional players are highly sceptical. The landscape is more positive when it comes to individual customers, however, whose number is increasing rapidly. Indeed, digital assets are now being held by an unprecedented amount of digital custodians, sketching out a greater need for interoperability in a young, fresh financial space with no pre-existing standards.

On this topic, Misra advocated for a hybrid approach, drawing on both centralised and decentralised financial models; while blockchain purists are likely to argue in favour of everything being decentralised, says Misra, “legacy stacks – not just in the exchanges but in the banks – that are decades old aren’t going away anytime soon.” Moreover, the traditional ‘big players’ were “set up to be b2b”. The transition from b2b to b2c, as advocated by Guarda and Borthwick, was tempered by Misra, who suggested an approach closer to convergence than conversion.

Closing the discussion, Guarda was more optimistic about blockchain and crypto’s revolutionary capacities, returning to Borthwick’s point about DeFi’s velocity: where the financial demand exists, the regulatory and technological supply will follow. Although crypto exchange structures (centralised or decentralised) were not built on regulation, the move to blockchain driven by more established players in the field (NASDAQ, New York Stock Exchange) changes standard regulatory practice while creating space for new financial services such as security token trading. Therefore, we can expect to see greater cooperation between blockchain and regulatory services – cooperation driven by necessity and mass-scale fintech democratisation.

Hernaldo Turrillo

Hernaldo Turrillo is a writer and author specialised in innovation, AI, DLT, SMEs, trading, investing and new trends in technology and business. He has been working for ztudium group since 2017. He is the editor of openbusinesscouncil.org, tradersdna.com, hedgethink.com, and writes regularly for intelligenthq.com, socialmediacouncil.eu. Hernaldo was born in Spain and finally settled in London, United Kingdom, after a few years of personal growth. Hernaldo finished his Journalism bachelor degree in the University of Seville, Spain, and began working as reporter in the newspaper, Europa Sur, writing about Politics and Society. He also worked as community manager and marketing advisor in Los Barrios, Spain. Innovation, technology, politics and economy are his main interests, with special focus on new trends and ethical projects. He enjoys finding himself getting lost in words, explaining what he understands from the world and helping others. Besides a journalist, he is also a thinker and proactive in digital transformation strategies. Knowledge and ideas have no limits.

The post Dinis Guarda’s LIVE Event Recap: NFTs, DeFi, Digital Assets Are Shaping The Future Of The Global Economy appeared first on OpenBusinessCouncil Directory.

I look forward to discussing these topics with the esteemed panellists when I moderate the hour long panel on Capital markets, Digital Assets and ESG with 4IR, Blockchain and Society 5.0 at 15:45 GMT on 9 December at the openbusinesscouncil Summit.

By Hirander Misra, Chairman of GMEX Group & SECDEX Group

The cutting edge global virtual event that aims to strengthen businesses, startups and government, with strategies and action plans, to deal with the challenges arising from COVID-19. The summit will explore how the impact of COVID-19 can be addressed by harnessing the 4th Industrial Revolution underpinned by AI and Blockchain to build better solutions for digital transformation, resulting in the emergence of Society 5.0. Wisdom will be shared through a showcase of 20 Governments and 100+ Global Industry Speakers from over 30 countries with a direct reach of 10.000 participants and an indirect reach digital streaming in social media that reaches around 10 million people on the 9, 10 and 11 December 2020.

Capital markets future Fintech

Capital markets will go from analogue to digital harnessing the true power of blockchain and digital assets. The key challenge is how organisations grapple with this change in a way that preserves traditional business but also creates new digital business opportunities. With this backdrop we see B2B and B2C business models converging, which is demonstrated both by the DBS Bank move into launching digital custody and a digital assets exchange in Singapore, as well as PayPal offering cryptocurrencies to its client base.

The real challenge is to optimise retail and wholesale activity in capital markets using the best facets of both centralised and decentralised technology and services. Banks are increasingly taking up digital assets, both on the wholesale and retail side, as well as developing digital custodial services with cryptocurrencies gaining the most traction and security tokens predicted to follow. Digital currencies and alternative forms of digital assets, with seamless smart contract driven cross border exchange between them and their exchange with goods and services, will result in less frictional cost and more efficiency. This presents opportunities to unlock the value of new asset classes in a way that democratises their access to the general public on equal terms to institutional investors.

Some of the topics we will discuss at the panel: Capital markets, Digital Assets and ESG with 4IR, Blockchain and Society 5.0 at 15:45 GMT on 9 December at the Open Business Council Summit

· What will be the key capital markets trends in 2021 leveraging future Fintech?

· How will capital markets go from analogue to digital harnessing the true power of blockchain and digital assets?

· Will there be a convergence of blockchain and Artificial Intelligence (AI), with smart contracts getting smarter?

· How will capital markets fragmentation be addressed in traditional finance and new digital finance given the need for traditional infrastructure and multiple blockchains to coexist?

· How will centralised and decentralised finance (DeFI) intersect?

· How is ESG is being utilised effectively in investment management leveraging Fintech?

· How will we move from the 4^th Industrial Revolution (4IR) to ‘Society 5.0’?

4IR and Society 5.0

The advent of new technologies, including Blockchain, AI, Internet of Things (IoT) and Quantum computing, is greater than ever before enabled by an increase in cloud computing. There will be greater convergence of these technologies (e.g. blockchain smart contracts driven by data and AI) to foster the 4IR and a transition to Society 5.0. This will lead to greater opportunities not just for governments and institutions, but also for the individual, fuelling an Internet of People (IoP) rather than merely an IoT.

New technologies, ensuring user control over their information and data, will give governments and their citizens’ ownership over the digital information they create and the economic value that derives from it. This will help achieve Society 5.0’s goals for the use of technology to lead to a better society aligned with the United Nations Sustainable Development Goals (UN SDGs).  Positive social impact will ensue in Infrastructure, Fintech (including blockchain), Healthcare, Logistics and AI.

Democratised social impact

Many old-world solutions are being passed off as game changing blockchain enabled digital asset plays. As those in the market who could really benefit get increasingly savvy, the hype that is being marketed by some will see the cold light of reality. This presents an opportunity for those that can truly harness the power of blockchain enabled digital assets to create tomorrow’s unicorns like the internet revolution did for some firms, but with a wider degree of democratisation beyond just corporate benefit.

This approach will not only be the Fintech future of financial markets, but will also be as positively disruptive as the internet was overall, but in a capital markets context which has wider social impact and financial inclusion.

Watch the full panel at openbusinesscouncil summit at 15:45 GMT on 9 December

Hernaldo Turrillo

Hernaldo Turrillo is a writer and author specialised in innovation, AI, DLT, SMEs, trading, investing and new trends in technology and business. He has been working for ztudium group since 2017. He is the editor of openbusinesscouncil.org, tradersdna.com, hedgethink.com, and writes regularly for intelligenthq.com, socialmediacouncil.eu. Hernaldo was born in Spain and finally settled in London, United Kingdom, after a few years of personal growth. Hernaldo finished his Journalism bachelor degree in the University of Seville, Spain, and began working as reporter in the newspaper, Europa Sur, writing about Politics and Society. He also worked as community manager and marketing advisor in Los Barrios, Spain. Innovation, technology, politics and economy are his main interests, with special focus on new trends and ethical projects. He enjoys finding himself getting lost in words, explaining what he understands from the world and helping others. Besides a journalist, he is also a thinker and proactive in digital transformation strategies. Knowledge and ideas have no limits.

The post openbusinesscouncil Summit Panel: The Future Of Capital Markets, Digital Assets And ESG With 4IR, Blockchain And Society 5.0 appeared first on OpenBusinessCouncil Directory.