How to Cope in / with a Financial and Tech Tsunami driven by Blockchain, AI and Crypto Economics? The world economy and the financial industry are only in its early days of digitalisation and disruption. We are going through a wave, or tsunami of emergent disruptive fintech systems and blockchain decentralised models that will change things forever. At the moment there is a process of digitalisation / Tokenisation of the economy/ financial industry.

1. THE EMERGENCY OF A DIGITAL ECONOMY AND CRYPTO ECONOMICS
STRATEGY - CONSIDERATIONS, DILIGENCES + RISKS
author Dinis Guarda,
founder of lifesci | ztudium | intelligenthq.com | hedgethink.com | traderdna.com

4. The world economy and the financial industry are
only in its early days of digitalisation and
disruption.
We are going through a wave, or tsunami of
emergent disruptive fintech systems and
blockchain decentralised models that will change
things forever.
At the moment there is a process of digitalisation /
Tokenisation of the economy/ financial industry.
CONTEXT DIGITALISATION AND DISRUPTION MODELS

5. CONTEXT FINTECH TRENDS AND TRANSFORMATIONAL THINKING

6. CONTEXT FINTECH TRENDS 8 STAGES

7. CONTEXT FINTECH TREND WHAT EXECUTIVES THINK?

8. Fintech

9. EVOLUTION OF WEB, CROWDFUNDING, DIGITAL, CRYPTO ECONOMY
Digital
AI
IOT
Blockchain
CrytoEconomy and
Token Startup new
world

10. IMF’ CHRISTINE LAGARDE AND CRYPTOCURRENCIES
'We are about to see
massive disruptions in the
financial industry. it's time
to get serious about
digital currency. (…) It's
time for the world's
central banks and
regulators to get serious
about digital currencies."
IMF didn't rule out that it
could at some point
develop its own
cryptocurrency.
IMF Managing Director Christine
Lagarde told CNBC about
developments in financial
technologies.

11. The question is how this new digital models of
decentralised and distributed finance and
economics, can impact the society both in a
positive and negative ways and what risks they
bring us?

12. CONTEXT EXPONENTIAL GROWTH - EXPONENTIAL DECAY

13. CONTEXT EXPONENTIAL GROWTH - FINTECH

14. CONTEXT EXPONENTIAL GROWTH - TECHNOLOGY - AI

15. “The root problem with conventional currency is all the trust that's required to
make it work. The central bank must be trusted not to debase the currency,
but the history of fiat currencies is full of breaches of that trust. Banks must
be trusted to hold our money and transfer it electronically, but they lend it out in
waves of credit bubbles with barely a fraction in reserve. We have to trust them
with our privacy, trust them not to let identity thieves drain our accounts.”
Satoshi Nakamoto
Bitcoin open source implementation of P2P currency

16. REALITY CHECK
Share of the
internet economy
in the gross
domestic product
in G-20 countries
in 2016, source
statista.com
CONTEXT DIGITAL ECONOMY VS DIGITISATION OF WORLD ECONOMY

17. The global increasing use of digital technologies can add over $1.36 trillion
to total global economic output in 2020, (data from 2015) according to a
study by Accenture and Oxford Economics Source.
This may be only a fraction of the total global gross world product (that has
various valuations according to different sources, but generally sized
between $70 and $87 trillion source Bloomberg / WEF), but there is still a
substantial space for contribution to growth.
So how to manage a valuation between real economy and commodities
such as gold and the emergence of digital crypto currencies among others
Bitcoin?
DIGITAL TECHNOLOGIES AND CRYPTO CURRENCIES

18. In the internet era, the rent-seeking applications captured all the value.
The protocols they were built on top of captured almost none.
Source Pantera Capital https://medium.com/@PanteraCapital/vcs-missing-97-of-the-trade-blockchain-letter-november-2017-
e02abd27c47f
WEB VS BLOCKCHAIN PROTOCOLS

19. Crypto Economics
=
The emergent commoditisation / digitalisation / Tokenisation of
the economy with new digital / crypto models of finance and
trading using decentralised DTL blockchain foundational
technologies.

20. The world economy is only in its early days of digitalisation. At the moment there is a process of
understanding the parallel between commoditisation and digitalisation / Tokenisation of the
economy and special new digital models of finance and trading will be critical in this new world.
We can call this new model Crypto Economics.
What is challenging is how to leverage real economy and digital economy, and how this affects
established financial models? this is paramount as there is a dysfunctional unbalance between all
present economic fundamentals, relations between commodities values and all digital assets, such
as tech stocks and bitcoin valuations and old solid commodities value such as Gold, silver in one
hand and bitcoin and digital currencies or tech platforms worth more than most of the countries.
WORLD ECONOMY AND A NEW CRYPTO ECONOMICS MODEL

21. “Bitcoin’s threat to the
financial system and will
lead to state-sponsored
digital currencies, as
governments will have
no choice.”
Citigroup CEO Michael Corbat
In an interview with Bloomberg at
The Year Ahead summit in New
York
CONTEXT DIGITALISATION AND DISRUPTION MODELS

22. “The sort of big memetic contribution that Satoshi made
is the fact that he’s treated cryptographic protocols as
being economic protocols, where the economics is not
just an afterthought, the incentives are a fundamental
building-layer of the entire system.”
Vitalik Buterin

23. IMF DEFINITION OF TAXONOMY OF VIRTUAL CURRENCIES

24. To put things + the global economy
in perspective:
Total crypto market $240 billion
Total equity market $71 Trillion
Global Economy GDP $80 Trillion
Global debt over $213 to $300
trillion
How is this will change with
blockchain cryptocurrencies crypto
economics ai
GLOBAL ECONOMY, EQUITIES, DEBT AND CRYPTOCURRENCIES

25. SECURITY
CRYPTO ASSETS
FUND
TOKENECONOMICS - TYPES AND FUNDAMENTALS
There are various types ways to measure Tokens – Tokenomics also known as crypto or digital
currencies
COMMODITY
TOKENs
MAIN TYPES AND
INDUSTRY AREAS
UTILITY

26. THE ALPHA CRYPTO
DIGITAL CURRENCY
BITCOIN

27. THE ALPHA CRYPTO - DIGITAL CURRENCY - BITCOIN

28. MAPPING THE BITCOIN ECOSYSTEM FAMILY TREE

29. CURRENCY
SECURITY
VALUE ASSET
COLLECTIVE ITEM
THE ALPHA CRYPTO - DIGITAL CURRENCY - BITCOIN
There are various types ways to measure Tokens - also known as crypto or digital currencies
COMMODITY
VALUE OF
EXCHANGE
BITCOIN
PAYMENT FORM
UTILITY
REWARD SYSTEM

30. BITCOIN HISTORY AND WHY YOU CAN CHEAT WITH IT

31. BITCOIN NODES ECOSYSTEM (REAL TIME DATA NOV 2017)

32. BITCOIN AND CRYPTO WALLETS 16M+ A GROWING ECOSYSTEM

33. Gold and elements can be measured by weight (oz, g, kg, t). Mass and weight are the measuring
units endowed by nature. Fiat currencies, or any other abstract commodity or money (including
Bitcoin), cannot be measured that way. An abstraction can only be measured in units of itself.
Gold and silver are therefore the only form of money today that are traded in weight.
Fiat currency on the other hand cannot be measured by anything other than other currency, at
least since Nixon ended the convertibility to gold in 1971. In that respect, Bitcoin falls into the
same category.
Gold is easy to track because it has a global tracking system. This helps to preserve the value of
the investment option because it makes it harder to fake, steal or misroute.
As we evolve to a digital economy Bitcoin can / is becoming a global digital tracking system.
GOLD AND BITCOIN ANALOGY

34. Tracing or stopping Bitcoins is impossible because it is originally designed to evade
government entities. Whether you are going to avoid paying taxes or try to fund
activities that should not be funded, Bitcoin is there.
It is untrackable and highly-encrypted. No wonder, it was the preferred digital
currency of choice for cyber punks, sometimes online drug dealers and people
looking to get other people assassinated and other cyber criminals. Keep this in
mind because this can be a serious limitation on Bitcoin should global governments
decide to regulate cyber currencies.
But with the inception of blockchain the system of distributed ledgers and smart
contracts a new world is out there.
BITCOIN - SMART CONTRACTS AND BLOCKCHAIN

35. CONCLUSION

36. CONCLUSION – TOKENS VS STOCKS

37. Some critical considerations to look:
• Governments, regulators and financial institutions need to
consider decentralised models in order to enhance industry
resilience, integrity and stability and work in governance
structures while using data driven technology to leverage
this.
• Crypto Economics models needs to be at the centre of any
government, financial organisation or regulator and by
chain effect any business.
CONCLUSION

38. Some critical considerations:
• KYC (know your customer) and AML have to be digitalised
and use blockchain smart contracts ASAP.
• Managing information security to safeguard against attacks
for both customer and the bank has to be done through
DLT and associated AI and encrypted solutions.
• Distributed ledgers and the adoption of blockchains has to
become a default setting but not as a fashion but as a part
of the DNA both technological and governance wise.
CONCLUSION

39. Some critical considerations:
• Users and UI and UX frictionless banking needs to be at
the heart of financial services industry and within the
sustainable way how to remain competitive.
• Best counteractions taken by banks to face the decline of
correspondent banking are facing change, being prepared
and not runaway of worst deny the tsunami happening now,
not in six months, 1, 2, 5 years from now.
CONCLUSION

40. Citigroup CEO Michael Corbat:
“I don’t think governments
are going to take lightly
other people coming in and
potentially disrupting their
abilities around data,
around tax collection,
around money laundering,
around know-your-
customer.”

41. Are we preparing and educating ourselves for this?
Are we preparing common citizens for this?
Are we preparing central governments for this?
Are we preparing financial organisations, and regulators
for this?
And how is crypto-economics impacting new emergent
sectors, as the sharing economy and circular economy?
CONCLUSION AND CALL TO ACTION

43. Dinis Guarda: founder
Has been working / collaborating with the likes of

44. Thank you
How to Cope in a Financial and Tech Tsunami
driven by Blockchain, AI and Crypto Economics?
author Dinis Guarda, founder of Ztudium / lifesci