• How Security Tokens Could Change Liquidity and Transform the World’s Economy

    Traditionally, assets such as real estate, collectables and art have been relatively illiquid. This means that the asset cannot be easily bought or sold in the market. If an investor wants to sell a $100 million building, it usually will take some time before the investor has the money, if there is a market for in the first place. On the other hand, a company’s stock is relatively liquid as it can be quite easily converted into cash. Cash is considered the standard for liquidity as it can be converted into another asset at any moment. Liquidity ratios are a measurement for how fast assets[...]

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    Why Ricardian contracts, not Smart Contracts, are Blockchain’s Killer Application

    Smart contracts have been dubbed the killer application of distributed ledger technology. Within every industry, smart contracts will provide significant efficiency benefits. They will reduce transaction times between stakeholders from weeks to minutes or seconds. Especially within global supply chains, smart contracts will kickstart data-enabled collaboration. They can offer trust, provenance and security while enabling instant transactions. Smart contracts may seem revolutionary, but they are nothing new. In fact, they have been around for a long time. Smart contracts are already in place[...]

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    What is a Security Token Offering (STO) and Could it Replace the ICO?

    In 2017, there were 875 Initial Coin Offerings (ICOs), raisingUS$6,23 billion, which equals on average US$7,12 million per ICO. In 2018, there were 1257 ICOs that raised US$7,85 billion, which comes down to an average of US$6,25 million. Not surprisingly, the vast majority of these ICOs were done in the first months of 2018. In the past four months of 2018, the total amount raised was $873 million. There are no details yet on the deals done so far in 2019, but it can be safe to say that the amount will not be high. In the past years, we have seen the rise and fall of the Initial Coin Offering.[...]

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    Why the Crypto Winter is Good for Blockchain

    In April 2017, the total market cap of the cryptocurrency market was US$25 billion. Nine months later, on January 8, 2018, the market cap reached its highest point of US$813 billion. A staggering increase of 3252% in just nine months. However, one month later, as of February 6, 2018, the market cap dropped to US$308 billion. A drop of 62% in just one month. End of November 2018, the market dropped to US$ 122 billion, another drop of 60% since February 2018. Since then, it has sort of stabilised around this market cap. It is clear that we are in a crypto winter. For many investors in the [...]

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    2018 in Review: The Year of Transition is Over

    Last year, I called 2018 the Year of Transition because technological developments are accelerating, but they had not yet reached the state of full maturity. Indeed, artificial intelligence did leap forward, with Uber developing a new machine learning technique and AI beating humans in the game Dota 2. As I correctly predicted, the ICO hype came to a near standstill. Among others due to the crypto bear market and additional scrutiny from regulators such as the SEC. We saw a new approach to data ownership with the launch of Solid PODs by Sir Tim Berners-Lee. Finally, we saw that quantum [...]

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    3 Reasons Why You Should Not Use Blockchain in Your Organisation

    For the past years, blockchain has been a huge buzzword. Especially after the crypto hype of 2017, organisations were convinced that they had to do something with blockchain. If only it was changing your company name to include blockchain in it. Although we have are in a bear crypto market, blockchain remains a buzzword. It reminds me of 5 or 6 years ago, when big data was the buzzword of the days. Back then, every organisation thought they had to do something with big data, but they had no idea. There was even a famous slide stating: “Big Data is like teenage sex; everyone talks about [...]

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    The Top 7 Technology Trends for 2019

    As the year comes to an end, it is time to look ahead to see what the next year will bring us. Last year, I predicted that 2018 would be the Year of Transition and a lot has happened indeed. The crypto market crashed with 60% since its peak at the beginning of the year. In addition, as I predicted, a new approach to data ownership is coming with Sir Tim Berners-Lee’s launch of Solid PODs. Now for the 7th year in a row, I offer you my two cents on the most important technology trends for 2019 to help you, and your business, prepare for the next year. As we approach the end of the second [...]

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    Why Blockchain is Quickly Becoming the Gold Standard for Supply Chains

    Global supply chains are complex processes. Different companies, with distinctive objectives, are working together to achieve a common goal; to bring something from A to B. For a supply chain to work, partners have to trust each other. To do so, there are multiple checks-and-balances, extensive documents and different checkpoints all interacting in a web of bureaucratic processes. Knowing the amount of paperwork required to send a product from farm to plate, it is remarkable that we have managed to develop global supply chains. However, the processes in place are time-consuming, expensive [...]

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    How to Build the Organisation of Tomorrow?

    A question that I get asked a lot is how should organisations navigate today’s digital transformation? An interesting question that encompasses different layers. It depends on who asks the question, the company involved, the industry the company is in, the size of the company, etc. Since the arrival of information technologies, digital transformation has been on the agenda for many organisations. Most of these organisations seem to be struggling with it. With the appearance of the first wave of ‘advanced’ IT in the 1990s, the nature of organisations changed. IT changes organisation [...]

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    The 5P’s of a Self-Sovereign Identity

    Increasingly, big data is invading consumers’ lives. It affects consumers' privacy as the web has become such a centralised platform. When you have centralised organisations collecting so much consumer data and using it to offer personalised advertising to their users, it causes problems. As Jonathan Taplin discussed in his book Move Fast and Break Things, organisations that have access to so much data and use it to steer consumer behaviour could directly undermine our democracy. These centralised organisations do not forget or forgive. Since actions (i.e. data) speak louder than words, it [...]

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