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Defining financial inclusion and its true value to society
At least 1.5 billion adults worldwide do not have access to financial services and, as a result, are not benefiting from financial inclusion. Read more…
Articles by Jouko Ahvenainen
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Past the hype – is it time for a reality check on blockchain?
We have probably passed the peak of blockchain and cryptocurrency hype. Are we now approaching real blockchain business and more stable crypto solutions? Read more…
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Software business dead – but software has more value than ever
Although software is core to most business, it is not so easy to create a viable software business, or at least generate big profits by only selling software. Read more…
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Are traditional banks approaching their ‘Kodak moment’?
People are more confident using new digital banks and their services and, as my traditional banker friend said, we are approaching “the Kodak moment”. Read more…
Features
Serverless cloud services are coming, are you ready?
Serverless cloud services are coming and they will change the way we build software and design services. At the same time, they offer totally new business opportunities. Read more…
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It’s time for new models of data protection
Equifax, HSBC, British Airways, Cathay Pacific, Marriott, Quara – and we could continue the list much further. They are some of the companies that have had a significant customer data breaches this year or last. Read more…
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Follow the FinTech: the new battle for control
Money, power and politics have always been linked to each other. The control of banks and finance services is an important way to use power and control macro developments. For example, anti-money laundering measures are Read more…
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Five predictions for future finance disruption
Fintech, blockchain and regulatory changes are driving the finance sector towards a fundamental change. It is not so difficult to predict what will happen so much as when it will happen. History doesn’t repeat itself, Read more…
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Criticizing FinTech over reputation risk is sheer hypocrisy
Traditional finance institutions often question and criticize the new finance models enabled by FinTech, using the excuse that banks are heavily regulated and must manage risks and protect their reputations. Yet the banking sector has Read more…
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Personal data should be protected as aggressively as copyright
Record labels and movie production companies work hard to protect their copyrights, especially when it comes to digital distribution solutions, which has resulted in all kinds of restrictions in how content can be copied, distributed Read more…