If the 1st generation of the digital revolution brought us the Internet of information and data. The 2d generation — now is powered by blockchain + AI technology — and is bringing us the Internet of value and identity. We are now at a stage where digital platforms are the go to platform(s) reshaping the world of business, finance transforming 360 human affairs radically. Finance is about managing financial assets. This now is all about technology and data but without forgetting the basics - clients / partners. New technologies are rapidly reshaping the entire financial services spectre. Fintech that’s no longer the headline, it’s now the industry reality. Banks, insurers and asset managers are knee-deep in the potential of such technologies known as Fintech, data, artificial intelligence (AI), the Internet of Things (IoT) and blockchain. These technologies are the main drivers helping transform the finance businesses and stay on top of ever-changing consumer expectations.

1. The Future of Finance
= Fintech, AI, Blockchain
By Dinis Guarda, founder CEO
Ztudium - blocksdna, intelligenthq.com, blockimpact
board founder: coinsdna, DragonBloc
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2. About me:
Dinis Guarda: author, CEO and founder
Working / collaborating / advising the likes of
Advisor:
Founder board member:

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“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
by @DinisGuarda

4. 4
The future is always difficult to embrace and goes faster than we think!
by @DinisGuarda

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Finance strategy
= tech + right data without forgetting the important
- your clients
by @DinisGuarda

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If the 1st generation of the digital revolution brought us
the Internet of information and data. The 2d generation
— now is powered by blockchain + AI technology — and
is bringing us the Internet of value and identity.
We are now at a stage where digital platforms are the
go to platform(s) reshaping the world of business,
finance transforming 360 human affairs radically.
by @DinisGuarda

7. 7
“Blockchain is a vast, global distributed ledger or database running
on millions of devices and open to anyone, where not just
information but anything of value — money, but also titles, deeds,
identities, even votes — can be moved, stored and managed
securely and privately.
Trust is established through mass collaboration and clever
code rather than by powerful intermediaries like governments
and banks.”
Don Tapscott
by @DinisGuarda

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“Artificial intelligence will reach human levels by
around 2029. Follow that out further to, say, 2045,
we will have multiplied the intelligence, the human
biological machine intelligence of our civilization a
billion-fold.” —Ray Kurzweil
by @DinisGuarda

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“Artificial intelligence would be the ultimate version of
Google. The ultimate search engine that would understand
everything on the web. It would understand exactly what you
wanted, and it would give you the right thing. We're nowhere near
doing that now. However, we can get incrementally closer to that,
and that is basically what we work on.” Larry Page
by @DinisGuarda

10. Blockchain, AI, IOT
Foundational tech - digital transformation
ID for business, health, finance, wellness
by @DinisGuarda

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ID Foundational tech
by @DinisGuarda

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by @DinisGuarda
ID
Blockchain
IOT - AI
Smart contract - AI machine learning
ecommerce - fintech - health transactions
Smart contract - AI machine learning
ecommerce - fintech - health transactions
Setting ID tech infrastructure
With Blockchain, IOT, AI

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The Future of Finance = all on a mobile!
But holistic with blockchain ID + reward DNA
by @DinisGuarda

14. The Future of Finance = Fintech, AI, Blockchain
Finance is about managing financial assets. This now is all about technology and data but
without forgetting the basics - clients / partners.
New technologies are rapidly reshaping the entire financial services spectre.
Fintech that’s no longer the headline, it’s now the industry reality.
Banks, insurers and asset managers are knee-deep in the potential of such technologies
known as Fintech, data, artificial intelligence (AI), the Internet of Things (IoT) and
blockchain.
These technologies are the main drivers helping transform the finance businesses and
stay on top of ever-changing consumer expectations.
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By @DinisGuarda

15. Strategic planning needs to start with the reckoning that nimble new financial technology
(fintech) firms are here to stay.
Emerging fast forward fintech is cited as the greatest source of disruption in the — ahead of
even regulatory complexity.
Consumer’s best experiences UI UX quickly become their expectations and they are
increasingly demanding financial services providers to respond quickly, and with products
suited to their needs.
These consumer expectations can create fast competing priorities, leading to a cycle of
constantly evolving changing goals that make it difficult to give fintech the focus and resources
it requires.
The fintech hyper imperative
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by @DinisGuarda

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Biggest Fintech Players in the world
by @DinisGuarda

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Best Fintech Center Players in the world
by @DinisGuarda

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What drives Fintech Success - Strategies
by @DinisGuarda

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How to apply AI + Blockchain to Finance
ID, Data, research, sentiment, predictive insights, credit scoring, fraud,
cybersecurity, personalisation, search, chatbots, sensor, reward loyalty programs
Blockchain AI

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Homework - Know thyself:
Start with a rapid assessment of current operations that identifies opportunities, challenges and roadblocks.
Continuous Plan for CONTINUOUS CHANGE:
Track technology trends - understand new opportunities, and when and how they will impact your operating model.
It’s all about the long view but step by step: Define where you want to be in 3 and 5 years, and then map fintech to those
big-picture goals.
Start now, baby steps:
Establish buy-in from employees who will be affected by fintech, understand cultural barriers and tailor strategy
accordingly.
Align the goals all company:
Ensure that your fintech strategy complements overall business strategy—rather than distracting.
Get out of the box:
Plan for both incremental change and big leaps forward—and evaluate them appropriately.
Set priorities and make things happen:
Resist fintech’s call to try everything at once by establishing a clear process to evaluate & prioritize.
Lead by example, train and educate:
A lack of C-suite guidance and leadership support is where fintech strategies go to die.
What Strategy works for Future of Finance best organisations?
by @DinisGuarda

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1. In-House: Building tailor-made solutions in-house.
2. White label: Sourcing or white-labeling technologies from fintech developers.
3. Investment: Acquiring or investing in a fintech startup.
4. Partnership: Partnering or collaborating with an innovator.
How to integrate fintech - the future in house?
by @DinisGuarda

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The financial services digital transformation infrastructure is now a fact.
Big Data, AI, blockchain automation, cloud computing, IoT and
augmented reality are reshaping the present near future of financial
services companies, the products they offer and the way they engage their
customers.
Leaders of financial institutions must be the catalyst for change.
All organisations need to have a clear fintech strategy that aligns with
business model goals.
Those who are ready to manage innovation as an ongoing process will be
positioned to not just survive disruption—they will thrive.
Infrastructure - digital infrastructure
by @DinisGuarda

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What are the finance skills necessary now?
by @DinisGuarda

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The future biggest financial player are not just banks...
They are Amazon, Alibaba Ants Financial, Apple, Facebook…
And the New Kid Fintech in the block corner!
But we all need financial sound organisations:
Are you ready?
by @DinisGuarda

25. About me:
Dinis Guarda: author, CEO and founder
Advisor:Founder board member:
Thank you
Questions?
Contact: dinis.guarda@ztudium.com
Twitter @dinisguarda
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