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Money and all forms of transferring money are our core business.%E2%80%9C%0A%0AJust a year later, in January 2020, %22The Wall Street Journal%22 reports:%0A%0A%E2%80%9COne in 10 central banks surveyed in 2019 said it was likely to offer digital currencies within the next three years, covering about 20%25 of the world%E2%80%99s population.%E2%80%9D %0A%0AThe Bank of Canada, the Bank of England, the Bank of Japan, the European Central Bank, the Sveriges Riksbank and the Swiss National Bank, together with the Bank for International Settlements (BIS), have recently created a group to share experience as they assess the potential cases for central bank digital currency (CBDC) in their home jurisdictions. %0A%0AThere are increasingly clear governmental rules for cryptocurrencies around the world.%0A%0AAnd tools for investors are also becoming more professional. For example, with %22WeissCryptoRatings%22 there is now an established and professional rating agency for cryptocurrencies.%0A%0AOverall, it can be said that cryptocurrencies are being accepted more and more and that clear rules are gradually being formed.%0A%0A%0A!%5BFolie12.png%5D(https://cdn.steemitimages.com/DQmSDeBgRmjgoi4xfTDPZRHDodYdyrGe5U7hmogAkzfHP4a/Folie12.png)%0A%0A%0A%0A4.%09Global financial system moves from USD centric to multicurrency%0A%0AThe Economist recently published a detailed article with the following thesis:%0A%0A%E2%80%9CAmerica%E2%80%99s aggressive use of sanctions endangers the dollar%E2%80%99s reign%E2%80%9D%0A%0AThe underlying arguments have meaning.%0A %0AMost recently, Russia has been busy de-dollarising parts of its financial system. Since 2013 its central bank has cut the dollar share of its foreign-exchange reserves from over 40%25 to 24%25. Elvira Nabiullina, Russia%E2%80%99s central-bank governor, says %0A%0A%E2%80%9CWe are gradually moving towards a more multi-currency international monetary system.%E2%80%9D %0A%0AING expects 62%25 of Russia%E2%80%99s goods and services exports to have been settled in dollars in 2019, down from 80%25 in 2013.  Its trade with China was almost all in dollars in 2013; now less than half is. And Xi Jinping and Vladimir Putin said they would expand settlement of bilateral trade in their own currencies. %0A%0AOn the sidelines of a recent summit, leaders from Iran, Malaysia, Turkey and Qatar proposed using cryptocurrencies, national currencies, gold and barter for trade.%0A%0ABritain, France and Germany, with the EU commission%E2%80%99s support, launched INSTEX. INSTEX is essentially a barter mechanism that allows firms to engage in commerce without resort to the dollar or SWIFT.%0A%0AChina, India and others may be exploring a jointly run SWIFT alternative.%0A%0AAnd Mark Carney, the governor of the Bank of England, says that the dollar-centric system %E2%80%9Cwon%E2%80%99t hold%E2%80%9D.%0A%0AThe US dollar as the international reserve currency declined by 15.5 percentage points from 77.2%25 in 1970 to 61.7%25 in 2018.%0A%0AConsequently, the international importance of the dollar is declining.%0A%0A!%5BFolie19.png%5D(https://cdn.steemitimages.com/DQmaBi74wXphAAvSuG9RW1bVannHdy79R8e1u1XxuMLB7V3/Folie19.png)%0A%0A%0A%0A5.%09In the face of the digital age, cryptocurrencies are the next logical evolution of money%0A%0AWhether shells, salt or stone money, people need something that symbolizes a lasting value and is suitable as a means of exchange for business.%0A%0AThe gold coin %22Aureus%22 from the year 82 BC established the first money standard.%0A%0AThe first paper money was issued in the western Chinese city of Chengdu in the early Northern Song Dynasty (960-1127). Because coins had become scarce paper money was used as emergency money to finance a war. %0A%09%0ASatoshi Nakamoto's Bitcoin White Paper was featured on a 2008 cryptography mailing list and the first 50 bitcoins were generated on January 3, 2009. %0A%0AIt is obvious: money is changing. And in the face of the digital age, cryptocurrencies are the next logical evolution of money.%0A%0A%0A%0A!%5BFolie24.png%5D(https://cdn.steemitimages.com/DQmTT2RKzcaCPj5ygcUbWUJ2AbK3CPTvfVP5jRuzjGpwSkV/Folie24.png)%0A%0A%0A%0A6.%09Burning man and the desire for freedom%0A%0AIn his paper %E2%80%9CDenationalization of money%E2%80%9D from 1976 Nobel Prize winner Friedrich August von Hayek states:%0A%0A%E2%80%9EThe only way to ultimately save civilization will be to deprive governments of their power over money. The current instability of the market economy is a consequence of the fact that the most important regulator of the market mechanism, money, has been excluded from regulation by the market process.%E2%80%9C%0A%0A%0AThe idea behind %E2%80%9CLess State%E2%80%9D is also a driving force behind the annual %E2%80%9CBurning Man%E2%80%9D festival in the Black Rock Desert in Nevada, USA. The nine-day festival of artists, entrepreneurs and self-performers of all kinds now has 75,000 participants. The special thing about it: during the festival, a temporary city, including a hospital and an airport, will be created in the desert, which will be completely dismantled afterwards. The highlight and conclusion of the festival is the burning of the oversized %E2%80%9CBurning Man%E2%80%9D, a man up to 30 meters tall. The high point and end of the festival is the burning of the oversized Burning Man, a man up to 30 meters tall.%0A%0A%22BITNATION%22 and %22Liberland%22 are two other examples of the use of blockchain technologies and cryptocurrencies with regard to self-determination and independence from traditional state order.%0A%0ABitnation was founded July 14, 2014 by Susanne Tarkowski Tempelhof. Its purpose is to %22free humankind from the oppression and sanction of pooled sovereignty, geographical apartheid and the xenophobia and violence that is nurtured by the Nation State oligopoly.%E2%80%9D %0A%0ALiberland is a micronation (7km2) located in a %E2%80%9CNo man%E2%80%99s land%E2%80%9D space located between Croatia and Serbia. It was originally not claimed by any interested state. The founder and elected President of Liberland is Vit Jedlicka. He proclaimed the Free Republic of Liberland in 2015. Electronic citizenship of the Free Republic of Liberland can now be applied for online. The Liberland Merit is the (crypto-)currency of Liberland. The country's motto is: To live and let live.%0A%0A%0A!%5BFolie33.png%5D(https://cdn.steemitimages.com/DQmScXebLc9EZTq8m2YwWhqMPEXyAxb7WYr35rXg8qyePBJ/Folie33.png)%0A%0A%0A7.%09Disruptive Blockchain technology%0A%0AThe technology underlying most cryptocurrencies is based on the blockchain.%0A%0ABlockchain technology stores data blocks in a linked chain, distributed on various computers over the Internet and heavily encrypted using cryptographic methods.%0A%0AImportant to know: In the context of the decentralization and encryption of the blockchain, cryptocurrencies play an integral, inseparable role.%0A%0AWhile trust in banks has declined in recent decades, trust in new technologies has increased. Blockchain technology has meanwhile managed to entrust several million people worldwide with a total of more than 250 billion euros. An ascending trend.%0A%0AThe %22Smart Contracts%22 are a further development of the blockchain. These are programmable contracts that come into effect when certain events occur.%0A%0AThere are now many hundreds of applications in a wide variety of industries. For example, the energy industry is experimenting with smart contracts to enable a more direct exchange between decentralized energy producers and consumers. The automotive industry is researching wallets for their cars so that petrol, electricity and parking tickets can be paid for automatically. And in the financial industry, for example, automatic dividend payments depending on certain financial indicators are easy to imagine.%0A%0A%0A%0A!%5BFolie39.png%5D(https://cdn.steemitimages.com/DQmbGbfepVJgPkAJSR18ggwaWy21NYRrv5WiuNhWYk22mhV/Folie39.png)%0A%0A%0A8.%09Creation of new business models%0A%0ALet's stay in the automotive industry for now. Jaguar Land Rover plans to reward car drivers sharing their data with IOTA crypto currency tokens. The data for which Jaguar Land Rover would pay includes information about traffic congestion or potholes. There should also be a reward when drivers provide their vehicles for car sharing services. The earned IOTA tokens could then be used to pay fines, parking tickets or - in electric cars - the recharging of batteries.%0A%0AMaybe %22steemit.com%22 will replace Facebook in the future. Difficult to imagine? - But in any case, steemit would be the fairer social media platform. Because as a steemit content creator you get %E2%80%9CSTEEM%E2%80%9D from your readers. STEEM is a cryptocurrency. A STEEM is currently worth around $ 0.17 and can be exchanged on several crypto exchanges. It is not uncommon for an author to receive more than $ 100 for a contribution shared on steemit. Currently a platform for nerds from the crypto scene, maybe a successful, global social media platform in a few years. - Blockers, influencers, photographers, scientists and others who publish a lot and often would be happy.%0A%0AAnd another remarkable application in connection with IOTA. The Taiwanese startup Lidbot, from the waste management sector, has developed an intelligent sensor in collaboration with IOTA that collects data within a waste management system. The sensor measures the distance from the lid to the bottom and can thus make any garbage can or container an intelligent device in the IOTA ecosystem. Within an %22intelligent city%22, disposal companies can be notified as soon as garbage bins are full, saving resources, time and money.%0A%0ABy the way, IOTA is striving to become the leading cryptocurrency for machine-to-machine payments and has entered into partnerships from various industries worldwide.%0A%0AAnd in the financial industry, blockchain can be used to significantly optimize many paper-based processes, especially in international and cross-border banking. An obvious area is trade finance. Basically, you can expect cost savings of over 30 percent. In addition, new banking markets, products and services are emerging, such as the cryptocurrency investment products from Frankfurt's ICONIC HOLDING or the combined cryptocurrency bank account of the Berlin startup Bitwala.%0A%0A!%5BFolie50.png%5D(https://cdn.steemitimages.com/DQmcCpYY8tMXpzakqUQv49w8kv4BRDRXxQmAPfTCiGmhZ3u/Folie50.png)%0A%0A%0A%0ASee also the respective 54 pages presentation on slideshare:%0A%0Ahttps://www.slideshare.net/ashridge/8-factors-why-crypto-currencies-are-here-to-stay\n",
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      "author": "frankschwab",
      "body": "![8 factors why crypto currencies are here to stay Frank Schwab FinTech Forum.png](https://cdn.steemitimages.com/DQmbgEoTFCQR5g7ZNF7jPLhHPh2tmXopTjnkA1yiV74DEJm/8%20factors%20why%20crypto%20currencies%20are%20here%20to%20stay%20Frank%20Schwab%20FinTech%20Forum.png)\n\nUser numbers and investments in cryptocurrencies and blockchain projects are increasing. In the Swiss crypto valley, 800 companies with 4,000 employees are working on the digitalization of assets. The regulators are also taking up the issue. In the digital age, cryptocurrencies are the next logical stage in the development of money.\n\n1.\tUsers, volumes, transactions and number of apps grow continuously\n\nThe cryptocurrency market capitalization has doubled in the past 12 months and the volume increased fivefold from $20bn to $100bn. \n\nAlso, the number of cryptocurrency wallets fivefold in three years from 9 million in Q3 2016 to 42 million in Q3 2019.\n\nWhile the number of cryptocurrency transactions did grow rapidly in the first years the growth did slowdown in 2019. Today we can observe 350,000 ETH transactions and 650,000 BTC a day.\n\nAnd on the website stateofthedapps.com you can follow how the number of crypto and blockchain applications increases every month.\n\n\n![Folie2.png](https://cdn.steemitimages.com/DQmNmMSCb2uB2aQoGTSuMgmJx8kcigwDt7z6ehCCHUgACsf/Folie2.png)\n\n\n\n2.\tThe crypto valley and investments made\n\nIn the Swiss crypto valley alone, 800 companies with 4,000 employees are working on blockchain applications and the digitization of assets.\n\nWith over 400 registered companies, including several unicorns, the canton of Zug is the heart of the «Crypto Valley». Other centers are Zurich with 138 companies, Geneva (45), Ticino (43) and Vaud (26). 42 companies are registered in the neighboring country of Liechtenstein.\n\nMore than $10bn has been invested in the very young blockchain and crypto industry since 2013.\n\nThe investments and centers, such as the Swiss crypto valley, are key drivers for the future of blockchain and cryptocurrencies.",
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      "author": "steemitboard",
      "body": "Congratulations @frankschwab! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@frankschwab/birthday3.png</td><td>Happy Birthday! - You are on the Steem blockchain for 3 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@frankschwab) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=frankschwab)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "memo": "Dear @frankschwab. I hope you don't mind this little memo. Every week I'm trying to help and promote content published by few selected authors and today I would like to share with you post published by my friend @honarparvar: \"WARNING: This might not be a trend!\". I'm curious if you believe in TA and what's your opinion on using indicators while trading crypto. Share your opinion, I read all valuable comments. Piotr // LINK: https://steemit.com/trading/@honarparvar/warning-this-might-not-be-a-trend",
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      "body": "![Crypto.jpg](https://cdn.steemitimages.com/DQmXHYMHbgKbzrjUc2JfxoHA9sWzH1WnByBQtzpNwXzVFeG/Crypto.jpg)\n\nOne thing is clear: The German Federal Ministry of Finance also assumes that crypto values will establish themselves in the financial, economic and social systems.\n\nOverall, the word crypto appears 45 times on 11 pages in the draft.\n\nExcerpt / Definition:\n\n\"For the purpose of this law, crypto-values are digital representations of a value that has not been issued or guaranteed by any central bank or public agency and that does not have the legal status of a currency or money. Crypto values are values that are accepted or used as investment or currency by natural or legal persons by agreement or actual practice, and that can be transferred, stored and traded electronically \"\n\n(Page 38)\n\nAlso have a look at: \n\nhttp://frankschwabspeaks.com/mobile/Thinking-Blog.php?category=Definition-of-Crypto-Values-by-the-German-Federal-Ministry-of-Finance",
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      "author": "frankschwab",
      "body": "@@ -197,18 +197,14 @@\n ome \n-blockchain\n+crypto\n  pro\n",
      "json_metadata": "{\"tags\":[\"iota\",\"tangle\",\"saas\",\"delion\",\"crypto\"],\"image\":[\"https://cdn.steemitimages.com/DQmNvLUtRH7VM74qoRUmywGVYsi53EGTzifeVmeiCTer4Q9/Wave-2.png\"],\"app\":\"steemit/0.1\",\"format\":\"markdown\"}",
      "parent_author": "",
      "parent_permlink": "iota",
      "permlink": "build-for-the-next-crypto-wave-iota-tangle-as-a-service",
      "title": "Build for the next crypto wave: IOTA Tangle-as-a-Service"
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      "body": "![Wave-2.png](https://cdn.steemitimages.com/DQmNvLUtRH7VM74qoRUmywGVYsi53EGTzifeVmeiCTer4Q9/Wave-2.png)\n\n\nAfter the crypto winter is over, it seems that some startups have taken the time to make some blockchain projects more user-friendly. One example is delion.io.\n\ndelion has developed an API so that developers can connect their applications to the IOTA.org  Tangle with a single line of code. \n\nThis enables developers, startups and established companies to easily kick-start and prototype new business models based on the Next-Generation Distributed Ledger called \"Tangle“. \n\nTo me: cool stuff!",
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      "title": "Build for the next crypto wave: IOTA Tangle-as-a-Service"
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      "author": "steemitboard",
      "body": "Congratulations @frankschwab! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@frankschwab/birthday2.png</td><td>2 Years on Steemit</td></tr></table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@frankschwab)_</sub>\n\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "author": "neuvorstellungen",
      "body": "Hallo @frankschwab, herzlich willkommen auf Steemit.<br><br>Wenn Du Fragen zu Steemit hast, oder Dich mit anderen „Steemians“ austauschen magst, schau einfach mal auf unserem Discord-Chat unter https://discord.gg/g6ktN45 vorbei. Mehr Informationen über den deutschsprachigen Discord-Chat findest Du <a href=\"https://steemit.com/tag/@obvious/komm-auf-den-dach-discord-server\">in diesem Beitrag.</a><br><br>Wenn Du auf Deutsch schreibst, verwende immer #deutsch als einen der 5 Hashtags, um Deine Reichweite zu erhöhen.<br><br>Unter dem folgenden Link findest Du einige Anleitungen, die Dir den Einstieg in das Steem-Universum deutlich erleichtern werden: <a href=\"https://steemit.com/tag/@theaustrianguy/deutschsprachige-tutorials-fuer-steemit-neulinge-ein-ueberblick-2-0\">Deutschsprachige Tutorials für Steemit-Neulinge: Ein Überblick</a>",
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      "body": "Interessant für FinTech Gründer und Investoren: KfW Capital für Investments in Start-ups\n\nAm 15. Oktober nimmt die neue KfW-Tochter „KfW Capital“ für Investments in Start-ups ihre Arbeit auf \n\nIn Kürze:\n\nGemeinsame Initiative von BMWi, BMF und KfW zum Ausbau des Venture Capital (VC) und Venture Debt (VD)-Marktes in Deutschland\n\nKfW Capital verdoppelt mit Unterstützung des ERP-Sondervermögens das Investitionsvolumen in VC und VD-Fonds auf 200 Mio. EUR p.a.\n\nZiel: Verbesserter Zugang zu Eigenkapital für junge innovative und schnell wachsende Technologieunternehmen\n\n\nhttps://www.bmwi.de/Redaktion/DE/Pressemitteilungen/2018/20181009-neue-beteiligungstochter-kfw-capital.html\n\nhttps://kfw-capital.de \n\n\n![20181009-neue-beteiligungstochter-kfw-capital.jpg](https://cdn.steemitimages.com/DQmcKRcY17Lcu47MEXnBf7WXJ3qqWrexnYg7wWgTFVZYo32/20181009-neue-beteiligungstochter-kfw-capital.jpg)",
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      "author": "council",
      "body": "I upvoted your post. \r\n\r\nBest regards,\r\n@Council\r\n\r\nPosted using https://Steeming.com condenser site.",
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      "author": "frankschwab",
      "body": "<B>Summary</B> \n\n75 percent of all IT Mega Projects of banks do not reach their goals, 25 percent are cancelled even unsuccessful. Unrealistic objectives, underestimated complexity of the underlying IT landscape and overestimation of one’s own capabilities are the main reasons for failure. Completely different ideas of all stakeholders about the goals of the project are early warning signs. A common strategy is one of more than 22 success factors from which one can learn for future IT Mega Projects. \n\n![_IT-Mega-Projects-in-Banking-High-Failure-Rates-CBS-FrankSchwabSpeaks.com.png](https://cdn.steemitimages.com/DQmWkx8kM6DKzALH5XG1SndZGAj2p1aXzA2gnfVKR72qk59/_IT-Mega-Projects-in-Banking-High-Failure-Rates-CBS-FrankSchwabSpeaks.com.png)\n\n\n<B>Failed IT Mega Projects</B> \n\nAllied Irish Bank has sued Oracle over a failed, Euro 84 million core banking system implementation.\n\nIn Switzerland, the 500 million francs expensive IT Mega Project \"A Risk\" of UBS has so far led to no results. The risk positions are still calculated and consolidated with Excel sheets.\n\nThe Japanese Mizuho Bank has lost more than 1.8 billion yen and its hitherto high reputation in 2002. This was caused by a faulty technical integration of three payment systems that crippled almost the entire Japanese monetary transactions. More than six months, there were violent disturbances regarding money transfers, credit card transactions and when customers tried to draw money from the ATMs.\n\nAnd the IT transformation of the Commonwealth Bank of Australia based on SAP has engulfed more than 1.1 billion dollars in 5 years - plans were Dollar 580 million.\n\nMy analysis of more than 150 IT Mega Projects in banks has revealed that 25% of all IT Mega Projects failed with no results, 50% failed to achieve the project goals and only 25% were successful.\n\n<B>Understand causes for failure</B>\n\nAs main reasons I have identified a strong underestimation of the high complexity of the underlying IT landscape, often politically motivated, unrealistic project goals, overestimation of one’s own capabilities and an exaggerated optimism.\n\n![_IT-Mega-Projects-in-Banking-Complexity-FrankSchwabSpeaks.com.png](https://cdn.steemitimages.com/DQmPJo9sfkMG654epbGCeSssPVkpn9wVtPmNXqbJ9G5WkTo/_IT-Mega-Projects-in-Banking-Complexity-FrankSchwabSpeaks.com.png)\n\nIn addition, there is clear evidence that IT Mega Projects in banks are often viewed as unique. Therefore, senior managers and project managers of the banks, IT service providers and consultants often make no effort to learn from similar past IT Mega Projects. \n\nAt this point, my approach is to improve the preparation and implementation of IT Mega Projects in banks. This involves developing a better understanding of the fundamentals, to avoid already known mistakes, to determine success factors, and to identify early warning signs.\n\nFor example, many IT Mega Projects suffer from the very different ideas of the project objectives by the stakeholders and project members. Thus, for example, the bank’s product management focuses on the specification of new banking products and banking services while the IT department looks at a 1:1 replacement of the old system as the highest priority. As a consequence the IT department migrates products \"only\" from a technical perspective, and product management insufficiently tests the accuracy of the technical product migration. These different objectives are often only discovered in integration test. At a time the project migrates the existing products to the new core banking system. Too late false savings and credit products, balances, terms and interests rates are found in the new system.\n\n![_IT-Mega-Projects-in-IT-Landscape-FrankSchwabSpeaks.com.png](https://cdn.steemitimages.com/DQmU9QFAPC5zBmj9jdfjQvFbd3MkNzdJfSxcd6EdNEx4vnh/_IT-Mega-Projects-in-IT-Landscape-FrankSchwabSpeaks.com.png)\n\n\n<BR>\n<B>Approach to improve</B>\n\nConsequently, it is important to avoid that project members of an IT Mega Project have different project objectives. Or positively formulated: A \"common strategy\" is to be sought:\n\n       \"Strategy, objectives and scope are widely shared and changes are managed well by all stakeholders and project members.\"\n\n<BR>\nFor example, the common strategy was one of the key success factors of IT transformation of Dutch Friesland Bank. Within two and a half years, the bank was able to successfully migrate all accounts, deposits and payments on a new core banking system.\n\nFrom more than 150 IT Mega Projects in banks, I have been able to identify more than 22 such success factors, to learn10 lessons for success and to avoid 8 common failures.\n\n<B>10 Lessons learned</B>\n\n1. Establish a robust project leadership.\n2. Do only start an IT Mega Project once the bank can stand double the planned budget.\n3. Build a conservative business case.\n4. Prepare yourself that your program will not deliver on all objectives.\n5. Make yourself familiar with your IT Landscape of your project.\n6. Understand what problems do you want to solve with your mega project.\n7. Take your time – not PPT, but make use of a test environment of your target IT Landscape.\n8. First build some prototypes to learn about your core challenges.\n9. Make yourself fit for the target landscape\n10. Deconstruct your IT Mega Project in several smaller delivery units, that each create value, build on each other and help to achieve the common objectives.\n\n<BR>\n<B>8 Failures to be avoided</B>\n\n1. Do not repeat know failures\n2. Set unrealistic objectives\n3. Set political objectives\n4. Provide not appropriate time for testing\n5. Assign inexperience program management\n6. Overestimation of one‘s own capabilities\n7. Too much optimism \n8. Believe you are unique\n\n<BR>\n\n![_IT-Mega-Projects-in-Banking-Best-Practice-Framework-FrankSchwabSpeaks-LinkedIn.com.png](https://cdn.steemitimages.com/DQmNp8Vq3te8xZV2uBSeSnnoW18nVoNCfqaWxtQ7xfkb1x3/_IT-Mega-Projects-in-Banking-Best-Practice-Framework-FrankSchwabSpeaks-LinkedIn.com.png)\n\nThe business models of banks usually differ greatly from one another. Some banks have more than 10,000 customers, others more than 10 million. Many banks are active only regional, some global. And others make their money with wealthy private clients while some are specialized in lending to industrial and corporate clients.\n\nThus, for each IT Mega Project it is necessary to adapt the relevant success factors accordingly. The following figure shows an example of such a framework built specifically for a core banking transformation of a bank: \n\nWith sufficient planning and qualified, experienced project members, on the one hand, ready to learn from past projects and on the other hand open enough to engage in the particular new situation, banks increase their chances to implement their IT Mega Projects more successfully.\n\n\nSee here the respective presentation on Slideshare:\n\nhttps://de.slideshare.net/ashridge/it-mega-projects-in-banking",
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      "body": "After an application and selection process that started in May, we are pleased to announce the 15 startups selected to present at FinTech Forum’s 5th Anniversary Edition:\n\n  AAZZUR * advinda * BITA * CCEX * CrowdDesk * Dacebook \n\n  finbc * ForexFix * Fractal * Growney * Imburse Payments \n\n  Neon Banking * RYSKEX * Stealth mode* XTECH \n\nYou may reading through the “startups in tweets” and the agenda below. We are amazed to see how far the FinTech scene has come since we launched FinTech Forum in July 2013- whether the idea, the maturity of the founders, the markets they are going after (or, in some cases, creating!), or the business and technical complexity that they address.\n\n![_FTF10-on-22-Nov-FFM-Sept-Update-2018.png](https://cdn.steemitimages.com/DQmW7qXRz7urhooU99KaFhAak8UV86rg4bp6KjtTu5ctY4N/_FTF10-on-22-Nov-FFM-Sept-Update-2018.png)\n\n\nWe are also happy about our growing list of partners. Their support and sponsorship shows clearly that the D-A-CH/ Continental Europe FinTech scene continues to go strong. We would like to thank advinda Investor Cloud, Be Think, Solve, Execute, Börsen Zeitung (media partner), DVFA, Innogy Innovation Hub, InvestHK and LH Miles & More who recently joined our partner community.\n\n<B>Startups in a tweet</B>\n\nAAZZUR - an intelligent account aggregator \n\nadvinda - a simple CRM solution combined with proprietary investor intelligence for the alternative investment industry in the cloud\n\nBITA - the S&P of crypto indices\n\nCCEX - Cloud Commodities Exchange enables Cloud Computing Resources e.g. IaaS, PaaS, SaaS, etc. to be traded similar to traditional commodities \n\nCrowdDesk - full-service Fundrasing-as-a-Service\n\nDacebook - End-2-end Digital Asset onboarding workflow for institutional investors\n\nfinbc - P2P receivables exchange and financing platform for SME on the blockchain\n\nFinTech startup in stealth mode - first fully regulated index replication mechanism for ETF crypto investing in Germany\n\nForexFix - easy and fast hedging against currency fluctuations for small and medium businesses \n\nFractal - on-boarding and payment software for Token Launches (ICOs)\n\nGrowney - digital Investment Advice company for retail customers in Germany. \n\nImburse Payments - “the first end-to-end platform to solve customer value challenges at transaction level using AI/ML to optimise the offer/transaction technology combination”.  \n\nNeon Banking - Switzerland’s 1st independent #mobile bank–free banking, offering simple, mobile and free everyday banking. \n\nRYSKEX - next level of RISK EXchange\n\nXTECH - German cryptocurrency exchange for professional and amateur traders\n\n\n<B>Agenda</B> \n\n10:00 - 10:30 Event Registration\n\n10:30 - 10:40 Welcome Note: Frank Schwab, Co-Founder, FinTech Forum\n\n10:40 - 10:50 5 Years FTF + Deal Highlights, Samarth Shekhar, Co-Founder, FinTech Forum\n\n10:50 - 11:50 Startup Pitches I\n\n11:50 - 12:30 Guest Presentations \n\nThorsten Terweiden, InvestHK\n\n(further speakers TBA)\n\n12:30 - 13:30 Buffet & Networking\n\n13:30 - 14:30 Startup Pitches II\n\n14:30 - 15:00 Guest Presentations\n\nEssential lessons from Germany's first FinTech: Laurens Mauquoi, Smava\n\n(further speakers TBA)\n\n15:00 - 15:30 Panel Discussion: German FinTech, Outside Backers- Fast Forward 2023\n\nDr. Christian Nagel, Earlybird Venture Capital\n\n(further panelists TBA)\n\n15:30+ Coffee & Networking\n\nRegistration here:    https://FinTechForum10.eventbrite.com",
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      "author": "weloveyou",
      "body": " Hi, Do You Know We Love You and Everything You Do.<br> Thank you, @frankschwab, for spending your time on the STEEM Network.<br>We put together some statistics about your account, let us know if you have questions.<br> Votes Per Post Average: 3.388888888888889 <br> Replies Per Post Average: 0.5 <br> Post Word count Average: 373.6111111111111 <br>Follow us for more benefits. Help Us Grow Delegate STEEM Power [1SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=1%20SP), [5SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=5%20SP), [10SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=10%20SP), [100SP](https://steemconnect.com/sign/delegateVestingShares?delegator=&delegatee=weloveyou&vesting_shares=100%20SP), or [Donate to Help Support](https://v2.steemconnect.com/sign/transfer?to=weloveyou&amount=0.10%20SBD&memo=I+love+@weloveyou,+Please+accept+my+donation+to+support+We+Love+You.+2) <br> Have a Great Day, <br>@WeLoveYou.\nWe can also resteem and upvote more of your posts\n\nLearn More, Read Our [Introduction](https://busy.org/steem/@weloveyou/we-love-you-update-upvoting-for-you)\nIf your reputation is lower than 30 resteeming with @WeLoveYou only costs 0.001 SBD",
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      "author": "frankschwab",
      "body": "Since peaking at just under USD 20,000 on December 17, 2017, Bitcoin has lost a good two-thirds of its value. And according to Google Trends even more than 80% interest. In terms of Gartner terminology: the Bitcoin is currently in the Valley of Disappointment. More precisely, currently the fourth time, after June 2011, April 2013 and December 2013. A good time to look into it.\n\n![Folie2.png](https://cdn.steemitimages.com/DQmU6d6NcRzgWci17ofb3x8rFQfCYTG1v88VVMdf2PrcE9y/Folie2.png)\n\nIt's irritating: Bitcoin down - number of wallets is increasing. Over the past nearly 3 years, the number of wallets more than tripled to 28 million. And the number of transactions is also steadily rising. Although the total number of Bitcoin transactions tripled from 100 million in January 2016 to more than 300 million in August 2018. But on closer inspection, the transactions stagnate.\n\nBetween August 2016 and August 2017, there were approximately 100 million Bitcoin transactions worldwide, compared to only about 88 million transactions between August 2017 and August 2018. Over the same period, the number of wallets rose from 8.5 million in August 2016 to 16.4 million in August 2017 to more than 28 million in August 2018.\n\n![Folie4.png](https://cdn.steemitimages.com/DQmR6cG8k3eH8Ur7phkLm6hrFDZkUi8VeNKk6Lrtu82qRwk/Folie4.png)\n\n<B>Bitcoin is not a payment system, but digital value</B>\n\nWhen I look at the stagnating Bitcoin transaction numbers, it becomes clear that Bitcoin will not be established as a payment system in the next few years. Satoshi Nakamoto (pseudonym) in his white paper \"Bitcoin: A Peer-to-Peer Electronic Cash System\" from the year 2009 had imagined differently. But the rising number of Wallet owners indicates a growing interest in Bitcoin and the emergence of a new digital asset class.\n\n\n       “So Bitcoin is in my imagination a first representative of digital values and the gold of the future.”\n\n<BR>\n\n<B>Gold is a relic from the past</B>\n\nGold is rare, beautiful to look at and you can make jewelry out of it. That's why people have thought it valuable for millennia. But when the going gets tough, people are not fed up with gold. And because of its physical denomination and weight, gold is neither easy nor quick to transport or trade. Try to pay for a bicycle as the owner of a 1 kilogram gold bar. You would have to melt the gold bar, take the appropriate amount, etc. In the age of digitalization, gold appears as a relic of the past.\n\nAlthough you cannot eat bitcoins, bitcoins are just as rare as gold. Currently more than 17.2 million bitcoins have been generated, but in the long run the bitcoin volume is limited to 21 million. This is similar to gold. Around 192.2 million kilograms of gold have been mined worldwide. According to experts, a maximum of additional 54 million kilograms of gold can be produced.\n\n<B>Bitcoin is easy to use and you can pay with it</B>\n\nUnlike gold, bitcoins are much easier to piece and transfer. The smallest Bitcoin denomination is 1 Satoshi. This corresponds to 0.00000001 Bitcoin. Bitcoin and Satoshi can be transferred in seconds between anywhere in the world. Even bicycles can now be paid online and offline with Bitcoin at some retailers. And even if a merchant does not accept Bitcoin, there are now Bitcoin-based credit cards that allow you to pay in virtually every major FIAT currency (USD, EUR, Pounds, ...). The Bitcoin-FIAT exchange is done by the providers of these credit cards completely automatically in the background.\n\n![Folie9.png](https://cdn.steemitimages.com/DQmazm4YdpeStEkUYK9KdDfhJLf71LgabneRUamApRkNjLQ/Folie9.png)\n\n<B>The price of gold also fluctuates strongly</B>\n\nOften the Bitcoin is heavily criticized because of its price volatility. And the facts confirm this criticism. In the last three years, the price has increased at first hundredfold, and has fallen again by two-thirds since its peak of nearly USD 20,000 in December 2017. However, if you look at the last 12 months, then you can clearly see a decline in the range between USD 3,500 and USD 20,000. For the longest time, the price of a bitcoin fluctuated between USD 6,000 and USD 8,500.\n\nBetween October 2015 and September 2018, the price of gold has fluctuated between USD 34,000 and USD 44,000 per kilogram of gold.\n\nThus, the gold price in the last three years has fluctuated comparably strong as Bitcoin in the last six months.\n\nDespite high volatility, Bitcoin appears to be a useful and practical alternative to store value in countries with very high inflation rates, such as Venezuela, Ukraine or South Sudan, alongside FIAT currencies.\n\n![Folie8.png](https://cdn.steemitimages.com/DQmeMR6HHYet3w21PJggPjAEwBo1qBycVbgd84GeqN9Lesn/Folie8.png)\n\n<B>It is currently 20 times more expensive to produce gold than to produce bitcoin</B>\n\nAccording to the World Gold Council, up to 3,000 tons of gold are mined annually worldwide. At an average cost of USD 31,571 per kilo of gold produced, the total cost of the year is USD 94.7 billion.\n\nFor 2017, the average cost of producing a new bitcoin is USD 6,000. With 690,000 newly generated bitcoins, this adds up to USD 4.14 billion in total costs.\n\nThis means that the cost of producing gold in 2017 was 20 times more expensive than that for bitcoin.\n\nIn my opinion, this result puts the current discussion about Bitcoin's energy consumption into another light. Although high, significantly lower compared to gold. Even with gold, energy consumption is the main cost driver of the total costs.\n\nAlso annual storage costs are to be regarded with Gold or Bitcoin as investment forms. For gold, this can amount to up to 1% of gold wealth annually. For example, if you store your gold at a specialized and professional custodian in Switzerland or Singapore, and not in the in-house vault. The safekeeping of Bitcoins is usually still free of charge, whether in your own wallet or at a crypto exchange.\n\n<B>Gold and Bitcoin in numbers and facts</B>\n\n![005 Bitcoin Gold of the Future - Facts and Figures.png](https://cdn.steemitimages.com/DQmQGsLaQ1PW2NmXLzguR2dEc2aDMFp2UV4nKBpwDWWuhxY/005%20Bitcoin%20Gold%20of%20the%20Future%20-%20Facts%20and%20Figures.png)\n\n\n<B>Fair value of Bitcoin over USD 400,000</B>\n\nIn the event that humanity accepts bitcoin as a digital asset in the future, as does gold today, then it is interesting to find a fair value for bitcoin.\n\nFrom my point of view, the market capitalization of gold is a starting point for the future fair value of Bitcoin, since I consider gold and bitcoin to be very comparable.\n\nThe current market value of the 192.2 million kilograms of gold is USD 7,412 billion. If this market value is spread over the current more than 17 million bitcoins, then this results in a price of USD 428,000 per Bitcoin.\n\n![Folie12.png](https://cdn.steemitimages.com/DQmavDEGTxvsAWri6wXWwidKwq3Sf9gzjugP52Q7EQvr3vd/Folie12.png)\n\nIt's hard to predict how long it takes for a similar number of people to own Bitcoin, as does Gold today. Currently, about 20 million people own Bitcoin, while one can assume that more than 1 billion people own gold in the form of jewelry, coins or securities. But you can make estimates. The conditions for a comparatively fast spread are good, because actually it only needs a smartphone and a Bitcoin wallet.\n\n<B>Full coverage of Bitcoin over the next 5 to 15 years is conceivable</B>\n\nOn the one hand, there are already more than 2 billion smartphones worldwide, with a strong growth.\n\n\n![Folie13.png](https://cdn.steemitimages.com/DQmZ3mkW4GVuwHBNsEALacYBCm4YhjkV3zRPgWPJJ9rHUz6/Folie13.png)\n\nOn the other hand, more than 1.2 billion bank accounts were opened between 2011 and 2017, according to the World Bank's Global Findex database.Worldwide, it is estimated that two-thirds of all adults have a bank account. Thus the second condition for the basic understanding of the humans for the banking and a Bitcoin Wallet is created.\n\n       \"Together, these two developments will make it possible for Bitcoin to be widely distributed worldwide over the next 5 to 15 years.\"\n<BR>\n\nShould the Bitcoin actually develop into digital gold, then further, enormous increases in value are to be expected.It's not about Bitcoin replacing gold. But Bitcoin creates a new, additional asset class.And I therefore expect Bitcoin to establish itself as a digital asset in the wallets and portfolios of hundreds of millions of people in the not-too-distant future.\n\n<P>\n\nThis article is also available in German: https://www.it-finanzmagazin.de/bitcoin-gold-analyse-frank-schwab-78265\n\nRespective Slideshare presentation here: https://www.slideshare.net/ashridge/bitcoin-gold-of-the-future?ref=https://www.linkedin.com/pulse/bitcoin-gold-future-frank-schwab/\n\n<P>\n\n<B>Essential sources</B>\n\nhttps://www.americanbullion.com/the-cost-of-producing-an-ounce-of-gold/\n\nhttps://www.businesslive.co.za/bd/companies/mining/2018-01-26-gold-mining-most-costly-in-south-africa/\n\nhttps://www.bitcoinmarketjournal.com/how-many-people-use-bitcoin/\n\nhttps://www.blockchain.com/de/charts/my-wallet-n-users\n\nhttps://digiconomist.net/bitcoin-energy-consumption\n\nhttps://globalfindex.worldbank.org\n\nhttps://www.gold.org/about-gold/gold-supply/gold-mining/how-much-gold-has-been-mined\n\nhttps://goldprice.org/gold-price-chart.html\n\nhttps://tenx.tech\n\nhttps://www.statista.com/statistics/647374/worldwide-blockchain-wallet-users/\n\nhttps://de.statista.com/statistik/daten/studie/315084/umfrage/gesamtzahl-aller-bitcoin-transaktionen-weltweit/\n\nhttp://www.steinbeis-research.de/pdf/20101102_Goldstudie_RFS-Steinbeis_Kurzfassung.pdf",
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      "body": "Fund Professional Congress 2018, Mannheim, Germany\n\nFinTech is a major development driver in the banking industry and will be indispensable for the implementation of financial transactions in the near future. For financial advisors, the question arises as to how digital products and FinTech affect their work.\n\n![Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-1.png](https://steemitimages.com/DQmW5LmSXpcvMLiUcv4MTrLpZ56q5ckeNpS8r3cTVEaYDF3/Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-1.png)\n\nFinancial services (Fin) and technology (Tech) have always been closely linked. So it is not surprising that digitization in the past has been driven by banks, asset managers and insurance companies. More than 700 FinTechs in German-speaking countries are accelerating this development.\n\nBut how do digital products and FinTech affect the work of financial advisers? Do the associated technologies only change the rules of the game, or are new bases for financial advice created? And what stumbling blocks are there on the way from the classic system to the digital one?\n\n![Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-2.png](https://steemitimages.com/DQmeBgqCtVYXcuYuYeA5wevg4ckhXxkHnQqTKeTx9X7iMoz/Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-2.png)\n\n\nIn a presentation at the Professional Profession Congress 2018 in Mannheim on January 24, 2018, Frank Schwab, co-founder of the Frankfurt FinTech Forum and digitization pioneer, explains which changes and challenges are foreseeable in the future. In addition, the expert provides information on how to tap the new potential with the right know-how.\n\nAt the present time, it can be stated that investment advice is in a transitional stage. Nevertheless, the \"digital transformation\" in the consulting industry raises many questions. How will the tasks and working methods of financial advisors change? And to what extent will customer expectations change? In short, what do today's consultants have to expect to be prepared for the business of tomorrow?\n\n![Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-3.png](https://steemitimages.com/DQmd9PJ1bmCpp2Ae9yCNdj3iEjEWpSKqaYFEBntJK3fquRG/Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-3.png)\n\n\nIn his presentation, Frank Schwab discusses these and other existential questions for the future of financial advisers as to why consultants should know about STP, API, AI, P2P, Robots, Crypto, Blockchain and other developments. Learn about Nicola Pragera and digital assets, John Naisbitt and Mega Trends, Mobile Pay and Danske Bank, KWITT and Sparkassen, Crypto, Bitcoin and Factor 70, ICOs and Neufund, Rob Advisory and niiio, Mobile and savedroid, kapilendo, smava, bitcoin.de, goldmoney and Fidor Bank, new KPIs, diffusion of innovation and the future.\n\n![Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-4.png](https://steemitimages.com/DQmS5ukiBmTckuE397GfrELfawDh65pE95Hs5sHbaCEbTih/Digital-Transformation-in-Investment-Consulting-FrankSchwabSpeaks.com-4.png)\n\n\nhttps://goo.gl/1zKZiF",
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      "body": "![5-format1001.jpg](https://steemitimages.com/DQmSfJqC6SRaHETE8rCy8xRyz8TYWhe1Qo8eeqe71XaatUp/5-format1001.jpg)\n\n> Einst wollten FinTechs den etablierten Banken Konkurrenz machen. \n> Mittlerweile werben sie um deren Gunst. Das zeigt nicht nur die \n> Übernahme von Lendico durch ING Diba. \n>\n> Ist die Revolution im Bankensektor abgesagt?\n\n\nDurchaus interessante Beobachtungen und Einschätzungen von Andreas Macho und Mark Fehr von der Wirtschaftswoche.\n\nMeine Sicht:\n\nDie FinTech Industrie ist jung, heisst: die meisten Startups werden wieder vom Markt verschwinden. Es gibt ja heute auch keine tausende Eisenbahngesellschaften mehr - wohl aber zu Beginn. Wussten Sie dass es in UK um 1850 mehr als 10.000 eingetragene Eisenbahngesellschaften gab?\n\nFolglich werden wir folgendes erleben: FinTechs werden aufgekauft, konsolidieren, aufgeben und manche werden zu sehr erfolgreichen neuen Playern in der Finanzindustrie aufsteigen. Dies wird eine Entwicklung über viele Jahre und Jahrzehnte sein, und nicht wenige Jahren.\n\nSpannend allemal - Wir sind Zeitzeugen der digitalen Transformation der Finanzindustrie.\n\nHier zum Artikel der WiWo:\n\nhttps://www.wiwo.de/unternehmen/banken/fintechs-auf-kuschelkurs-mit-den-banken/20986248-all.html",
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      "body": "![5-format1001.jpg](https://steemitimages.com/DQmSfJqC6SRaHETE8rCy8xRyz8TYWhe1Qo8eeqe71XaatUp/5-format1001.jpg)\n\n> Einst wollten FinTechs den etablierten Banken Konkurrenz machen. \n> Mittlerweile werben sie um deren Gunst. Das zeigt nicht nur die \n> Übernahme von Lendico durch ING Diba. \n>\n> Ist die Revolution im Bankensektor abgesagt?\n\n\nDurchaus interessante Beobachtungen und Einschätzungen von Andreas Macho und Mark Fehr von der Wirtschaftswoche.\n\nMeine Sicht:\n\nDie FinTech Industrie ist jung, heisst: die meisten Startups werden wieder vom Markt verschwinden. Es gibt ja heute auch keine tausende Eisenbahngesellschaften mehr - wohl aber zu Beginn. Wussten Sie dass es in UK um 1850 mehr als 10.000 eingetragene Eisenbahngesellschaften gab?\n\nFolglich werden wir folgendes erleben: FinTechs werden aufgekauft, konsolidieren, aufgeben und manche werden zu sehr erfolgreichen neuen Playern in der Finanzindustrie aufsteigen. Dies wird eine Entwicklung über viele Jahre und Jahrzehnte sein, und nicht wenige Jahren.\n\nSpannend allemal - Wir sind Zeitzeugen der digitalen Transformation der Finanzindustrie.\n\nHier zum Artikel der WiWo:\n\nhttps://www.wiwo.de/unternehmen/banken/fintechs-auf-kuschelkurs-mit-den-banken/20986248-all.html",
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      "body": "![Titel-Background.png](https://steemitimages.com/DQmcygV9Rv9uGbdxzkVKP4TBudGdspgn4eFjjUxGMCuoGZh/Titel-Background.png)\n\nIn September 2015, the World Economic Forum (WEF) predicted that by 2027 approximately 10% of global gross domestic product would be stored in blockchain technologies. That would be equal to more than USD eight trillion. Driving factors include increasing financial inclusion in emerging markets, disintermediation of financial institutions and an explosion of digitally tradable assets.\n\nThe fast ups and downs of crypto currencies are not for the weak investor nerves\n\nLast year, 2017, the cryptocurrency pioneers evidently set off. The market capitalization of all crypto currencies was increased by a factor of 45 from $ 18 billion in January 2017 to a peak of $ 813 billion on January 7, 2018. That's already 10% of the eight trillion USD predicted by the WEF. Since then, we have become witnesses of high volatility. In just a few days, market capitalization fell to $ 283 billion on 8 February 2018. This corresponds to a decrease of 65%. At times, market capitalization changes by $ 50-100 billion in just a few hours. Nothing for weak investors or even conservative savers. But: who invested a year ago could more than tenfold his investment. What other investment does that produce? \n\n![fullsizeoutput_2e55.jpeg](https://steemitimages.com/DQmXsyLd7wkgZfj85tmBnYDf4QkVjFndsELMJRRNXWgkMHu/fullsizeoutput_2e55.jpeg)\n\n\nNew digital assets\n\nAt the same time, industry experts are observing astounding things: Almost out of nowhere, a new kind of corporate financing has become established. Through initial coin offering (ICO), startups and entrepreneurs can raise capital by issuing their own cryptocurrency, replacing traditional equity and debt capital instruments and even innovative crowd investments or crowdfunding. While seven companies worldwide raised $ 28 million from their ICOs in the first quarter of 2017, there were already more than 100 companies in the fourth quarter of 2017, which together raised $ 2.8 billion. That's an incredible hundredfold in just a few months. In Frankfurt, for example, FinTech savedroid, which is well-known for its saver app, is financing its product development \"Cryptocurrencies for Everyone\" using ICO. And Berlin-based FinTech NEUFUND is currently launching a blockchain and crowd-based financing platform for equity token offerings (ETOs). Both startups give us the hope that we will not lose touch with the innovation leadership in financial services in Germany.\n\n\nThe venture capital investments in the still very young blockchain industry have also increased annually since 2012. Starting in 2012 with a million USD, there were already more than 500 million USD in 2016, and the trend is still rising. Such investments indicate that the forecast of the WEF will be fulfilled.\n\nProhibitions and hacks cause the crypto currency markets to wobble\n\nBans on possession or trading of crypto-currencies in a few countries, such as Bolivia, Bangladesh or Morocco, are faced by many neutral countries, such as the US, UK, and Germany, and some, such as Switzerland, Singapore or Malta, are at the forefront of innovation in the financial sector.\n\nRepeated sensational hacks on individual crypto exchanges, such as the recent theft of 523 million NEMs for the equivalent of $ 534 million at the Coincheck Japanese crypto exchange, have shaken the crypto markets. But the resulting price losses were usually made up for in good part within two to three days. A sustained market damage due to the hacks is currently undetectable.\n\nAt the beginning of a new era\n\nEverything that we are currently seeing in connection with crypto currencies, blockchain and new digital forms of investment compares favorably to the emergence of a few megatrends over the past 30 years. While Second Life, a virtual world of its own, could not prevail as a fad, the Internet has become indispensable in private and business life today. The early mobile banking and brokerage applications using the precocious WAP technology for mobile phones disappeared as quickly as the turn of the millennium. The next stage of development, the smartphone, has forever changed our everyday lives down to the very core of human communication behavior. The crypto currencies, blockchain applications, ICOs and ETOs, ... are currently giving insight into the world of financial services in ten to 20 years. In doing so, investors can burn their fingers or gain considerable wealth. We are at the beginning of a new era - nothing more, nothing less.",
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      "author": "coin.info",
      "body": "**Coins mentioned in post:**\n\nCoin | | Price (USD) | 📈 24h | 📉 7d\n- | - | - | - | -\n**BTC** | Bitcoin | 8868.780$ | _-0.64%_ | _-24.97%_\n**GNT** | Golem | 0.397$ | _4.0%_ | _-32.87%_\n**REP** | Augur | 55.417$ | _-2.45%_ | _-34.9%_\n**STEEM** | Steem | 4.263$ | _2.0%_ | _-31.58%_",
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      "body": "Aaron Koenig erklärt in einfacher Sprache die durchaus noch komplizierte und komplexe Welt der Kryptowährungen, jenseits des gegenwärtigen Bitcoin Hypes.\n\nFür Neueinsteiger ein MUSS, weil neben allen wesentlichen Grundlagen auch beschrieben wird, wie und wo man sich aktuell zum Thema informieren kann.\n\nUnd für Fortgeschrittene ebenfalls interessant, weil der Autor seine gut strukturierte Einschätzungen zu einzelnen Kryptowährungen, wie beispielsweise Golem, Augur oder Steem mit dem Leser teilt. Dabei geht Aaron Koenig jeweils auf Geschichte, Geldmengenwachstum, Anonymität, Geschwindigkeit, technische Methoden, Entscheidungsfindung und Innovationen ein und endet mit seinem Fazit.\n\n\nHier zum Buch: https://goo.gl/JcF2tu \n\n![IMG_3596.JPG](https://steemitimages.com/DQmb1pG3j2aNGbfkMKJfws9Yg9zMwF19ZCkdCgZsV2UdyL4/IMG_3596.JPG)",
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      "body": "Lesenswert für Anfänger. Und auch für die „Profis“ interessant, wenn man die Eindrücke aus 2014 mit heute vergleicht.\n\nMit seinem „Handbuch der digitalen Währungen“ aus dem Jahr 2014 gewährt Daniel Kerscher einen Einblick in die kurze Geschichte digitaler Währungen und beschreibt eine Vielzahl von Coins. Er wagt auch einen kurzen Blick in deren Zukunft.\n\nUm aus diesem Buch zu lernen ist es sinnvoll, sich selbst mehrere Wochen und Monate mit den aktuellen Entwicklungen digitaler Währungen zu beschäftigen.\n\nWas kann man lernen?\n\nDigitale Währungen sind immer noch im Entwicklungsstadium. Die hohe Volatilität hat sich nicht geändert. Und unklar ist was kommt, was bleibt oder verschwindet.\n\nPeercoin (PPC) und Namecoin (NMC) - beide in 2014 noch Leitwährungen - sind inzwischen fast in die Bedeutungslosigkeit abgestürzt, während sich Bitcoin (BTC) und Litecoin (LTC) behaupten konnten.  Aktuelle Top 10 Kryptowährungen wie Ethereum (ETH), Cardano (ADA) und NEO waren noch gar nicht auf Daniel Kerscher’s Radar. Und das Potential digitaler Währungen wie Ripple (XRP) und Stellar (XLM) noch nicht offensichtlich.\n\nZukünftig im geschichtlichen Rückblick interessant: die frühe Kategorisierung der Krypto Coins nach verschiedenen Algorithmen (Scrypt, SHA256, ...) und digitalen Währungen mit Regional- und Landesbezug.  \n\nHier zum Buch: https://goo.gl/bAkquw \n\n![JgBn5ixmQW6NCU9oo4q4Wg.jpg](https://steemitimages.com/DQmZsRJrWS3FQgSmsFq6qggZHBuMdqDUXyE3rw4tpxxGqdY/JgBn5ixmQW6NCU9oo4q4Wg.jpg)",
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      "body": "While still highly volatile by now the crypto currency markets are resilient.\n\nJapanese cryptocurrency exchange Coincheck was hacked on Friday, 26 Jan 2018. About 523 million of NEM coins were stolen. This is about USD 534.8 million.\n\nAs a consequence NEM dropped by 25%, and recovered in less than 2 days, fully. While the overall crypto currency market dropped by 10% followed by an increase of 20%. \n\n![fullsizeoutput_2e0e.jpeg](https://steemitimages.com/DQmcDZ3c9eYQeEwAUi5nM8Gbz6UciFLeJDn6WzUm8qJZVaw/fullsizeoutput_2e0e.jpeg)\n\n![fullsizeoutput_2e0c.jpeg](https://steemitimages.com/DQmcpDfA4oyHdjxrqAyfwqvaSg8kLkrrkEDTeZcUhF7QyNx/fullsizeoutput_2e0c.jpeg)\n\n\nWithin the last month the overall market dropped by 50%, followed by a recovery of 55%. While NEM dropped by 70%, and recovered by an increase of 80%.\n\n![fullsizeoutput_2e10.jpeg](https://steemitimages.com/DQmVUyueJ554vErRhPCiNnNc8M4EetQtH6nECN8iWKT6M46/fullsizeoutput_2e10.jpeg)\n\n![fullsizeoutput_2e14.jpeg](https://steemitimages.com/DQmWJAGscFbS6Tq7oqrzJgV8gicwmj8BNjBmurH674YRaFG/fullsizeoutput_2e14.jpeg)",
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      "author": "steemversary",
      "body": "**Congratulations!** 🎉  Your Steemversay has arrived. One year ago today you made your steem account along with 218 others. You are one of 6 users who have posted in the last week. Well done you. <br><br>I've upvoted your post, I hope it helps. Happy Steemversay ✌️; <br><br> p.s I'm a new bot, I've only been alive 5 days :)<br>Learn more about SteemVersary and view awards at [Steemversary](https://code-with-sam.github.io/steem-versary/) ",
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      "body": "That's seems pretty pessimistic compared to 2017.",
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      "body": "242 votes\n\nResults: It is pretty much distributed evenly. \n\n![82DF3685-ECF3-457E-B480-A93D6B0C1754.jpeg](https://steemitimages.com/DQmYsN6FFbf7PnJzMmRsvx7J5E3U45iqAXhAFcwcL3wjpYQ/82DF3685-ECF3-457E-B480-A93D6B0C1754.jpeg)My conclusion out of this exercise, together with the introduction of BTC futures: it will keep being volatile ... but not another 4000% up in 2018 nor 90% down.",
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      "body": "![Cross industry FInTech in focus Frank Schwab.png](https://steemitimages.com/DQmNacB688AxkZ5HZM1XwsDCvSfkUceC4b5Q1uQEiWqASew/Cross%20industry%20FInTech%20in%20focus%20Frank%20Schwab.png)\n\nThe first FinTech wave is coming to an end and the air for FinTechs of the first hour, which are specialized in a single banking process, such as P2P payment or ETF investment, and which address classic target groups, such as young people or investors, is becoming ever thinner.\n\nSo, I wonder what FinTechs promise sustainable business models. In search of this, I came across FinTech startups at the interfaces of different industries and disciplines with clearly defined target groups.\n\nOne example of this is the Israeli FinTech \"FlyMoney\" at the interface of the travel and finance industry. FlyMoney offers an onsite counter with a customer service representative in airports so that travelers can receive their travel money order in hand and via a dedicated line. The FinTech ensures compatibility with local regulatory institutes, while operating under the appropriate licenses to trade currency.\n\nThe Danish FinTech Hufsy also addresses a clearly defined target group: Startups and freelancers in Berlin. Husfy offers its customers a business account integrated into modern accounting and other business tools - in the typically simple and particularly clear Danish design. Hufsy is moving, so far unique, at the interfaces of banking, finance, accounting and corporate organization.\n\nThe cooperation between O2 Germany and the Fidor Bank in Munich is not quite as differentiated. Together, the partners have placed the first pure mobile banking for smartphone customers with instant data bonus for their shopping. We cannot wait to see if there are enough customers to access this service-oriented offer – at the intersection of financial and telecommunication industries. Especially in Germany, such partnerships have always failed.\n\nMy attention is on the currently crypto-currency-based business models. I find particularly interesting those who have specialized on clear target groups. For example, Musicoin and Metal Music Coin have specialized in the digital music industry, while ArtByte also addresses the rapidly growing digital art market. Today, the offerings at the interface between the art, music and finance sectors are still very technically developed. However, the first one to offer its services to these markets in a user-friendly manner will be able to achieve great value increases and build a sustainable business model.\n\nWherever real problems are solved or perceptible benefits are created, new technologies and business models are established. I'm curious to see if the FinTechs at the interfaces of different industries and disciplines develop into sustainable models.\n\n\n\nFrankSchwabSpeaks.com",
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