SlideShare uma empresa Scribd logo
1 de 16
October 2014
www.hhs.se
Then…
Thx to R. Wieselfors, Ericsson for photos
…Now
Thx to R. Wieselfors, Ericsson for photos
History tends to repeat itself….
Innovation, financial crisis, industrial revolution, …
Steam
engine
Internal
combustion
engine
Microelectronics
Late 18th C Late 19th C Late 20th C
Schön 2008
Third
industrial
revolution?
People
• “Net generation”
• 24x7 “mobile” workforce
• Knowledge via MOOCs
• Sharing not consuming
• Sustainability
Technology
• Broadband access
• The Cloud
• Mobile phones
• Internet of Things
• Big Data
• 3D printing
• Robotics/AI
• VR/AR
Open Source
• Software
• Hardware
• Physibles
Convergence of…..
Finance
• Microlending/microfinance
• Crowdfunding/equity/P2P
• Non-fiat cryptocurrencies
• Mobile money/payments
What’s around the corner?
24x7 Global Internet Collaboration + Open Source + 3D Printing
http://mashable.com/2013/02/13/robohand/
$60,000
$150
Available for free
download on
Where is
the firm?
Bitcoin = The power of community +
open source + internet + CPU
• Developed by self-organizing community of thousands of
“strangers” across globe
• Not one but many motivations (intrinsic, extrinsic)
• 91 bln SEK in circulation vs SEK 32 bln of Bitcoin in five years
• Approx USD 4.5 bln in circulation (Oct 2014) and 70,000 daily
transactions
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2263707
”Bitcoin has made me interested in
issues like finance and money – things
that I never thought about before. Now
I am really curious and questioning
why things are the way they are in the
finance world….and wondering what
can I do to change them.”
- Bitcoin 2014 Conference Attendee
The genie is
out of the bottle….
In just a few years in Sweden alone…
Company Founded Business
Klarna 2005 E-commerce payment services
MyLoan 2006 Loan broker
Trustly 2008 Online payments
TrustBuddy 2009 P2P lending
iZettle 2010 Mobile payments
FundedByMe 2011 Crowdfunding, crowd equity
Kivra 2011 Digital mailbox
Tink 2012 Personal finance
Safello 2013 Cryptocurrency exchange
KnCMiner 2013 Cryptocurrency mining equipment
Toborrow 2013 P2P lending for companies
Toborrow.se
http://www.detectivemarketing.com/
The future is already here,
it’s just not very evenly
distributed.
- William Gibson
Panel
Crowdfunding
Daniel Daboczy, VD och grundare, FundedByMe
Digital betaltjänst
Stefan Krook, VD och grundare, Kivra
Kundernas förväntan och finansbranschens förmåga
Jeanette Jäger, VP Capital Market, Tieto
The Blockchain: The Innovation Underpinning Bitcoin
Nanok Bie, Marknadschef, KnCMINER
Robin Teigland
robin.teigland@hhs.se
www.knowledgenetworking.org
www.slideshare.net/eteigland
www.nordicworlds.net
@RobinTeigland
If you love knowledge,
set it free…
If you like this presentation and would like to
contribute to our research, we accept bitcoins:
14hs4JbnQLXE87GGzu84uXGaspmxmnLpwC.
Thank you!!!!!

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Exploring Financial Innovations Novare Propell 10th Anniversary

  • 2. Then… Thx to R. Wieselfors, Ericsson for photos
  • 3. …Now Thx to R. Wieselfors, Ericsson for photos
  • 4.
  • 5. History tends to repeat itself…. Innovation, financial crisis, industrial revolution, … Steam engine Internal combustion engine Microelectronics Late 18th C Late 19th C Late 20th C Schön 2008 Third industrial revolution?
  • 6. People • “Net generation” • 24x7 “mobile” workforce • Knowledge via MOOCs • Sharing not consuming • Sustainability Technology • Broadband access • The Cloud • Mobile phones • Internet of Things • Big Data • 3D printing • Robotics/AI • VR/AR Open Source • Software • Hardware • Physibles Convergence of….. Finance • Microlending/microfinance • Crowdfunding/equity/P2P • Non-fiat cryptocurrencies • Mobile money/payments
  • 7. What’s around the corner? 24x7 Global Internet Collaboration + Open Source + 3D Printing http://mashable.com/2013/02/13/robohand/ $60,000 $150 Available for free download on Where is the firm?
  • 8. Bitcoin = The power of community + open source + internet + CPU • Developed by self-organizing community of thousands of “strangers” across globe • Not one but many motivations (intrinsic, extrinsic) • 91 bln SEK in circulation vs SEK 32 bln of Bitcoin in five years • Approx USD 4.5 bln in circulation (Oct 2014) and 70,000 daily transactions http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2263707
  • 9. ”Bitcoin has made me interested in issues like finance and money – things that I never thought about before. Now I am really curious and questioning why things are the way they are in the finance world….and wondering what can I do to change them.” - Bitcoin 2014 Conference Attendee
  • 10. The genie is out of the bottle….
  • 11. In just a few years in Sweden alone… Company Founded Business Klarna 2005 E-commerce payment services MyLoan 2006 Loan broker Trustly 2008 Online payments TrustBuddy 2009 P2P lending iZettle 2010 Mobile payments FundedByMe 2011 Crowdfunding, crowd equity Kivra 2011 Digital mailbox Tink 2012 Personal finance Safello 2013 Cryptocurrency exchange KnCMiner 2013 Cryptocurrency mining equipment Toborrow 2013 P2P lending for companies
  • 14. The future is already here, it’s just not very evenly distributed. - William Gibson
  • 15. Panel Crowdfunding Daniel Daboczy, VD och grundare, FundedByMe Digital betaltjänst Stefan Krook, VD och grundare, Kivra Kundernas förväntan och finansbranschens förmåga Jeanette Jäger, VP Capital Market, Tieto The Blockchain: The Innovation Underpinning Bitcoin Nanok Bie, Marknadschef, KnCMINER
  • 16. Robin Teigland robin.teigland@hhs.se www.knowledgenetworking.org www.slideshare.net/eteigland www.nordicworlds.net @RobinTeigland If you love knowledge, set it free… If you like this presentation and would like to contribute to our research, we accept bitcoins: 14hs4JbnQLXE87GGzu84uXGaspmxmnLpwC. Thank you!!!!!