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7 min read
Tokenisation and the Nation State Stack
Tokenisation of financial assets provides a new transaction layer on top of the nation state stack layers of governance, regulation, and...


3 min read
Knowing too much to argue or to judge
On Monday night I went to see “ A Complete Unknown ”, and thoroughly enjoyed it. I have been reading the avalanche of reviews and...


5 min read
Adoption and adaptation - future scenarios and business models for financial services
I am fascinated by the adoption of new technologies, especially in financial services, which is where I have spent the vast majority of...

9 min read
The Babel Fish, Jevons, and a Changing Relationship with Money
First we shape our tools, and thereafter our tools shape us. Money is one of those tools, and one that is in the process of being...

6 min read
BlackRock and the tokenisation of everything
“ETFs are step one in the technological revolution in the financial markets; step two is going to be the tokenization of every financial...


6 min read
Tomorrow Never Knows: blockchains in the future
This is the final article in a commitment device / series that I proposed a while ago, "How to think about blockchains". The first five...


6 min read
I and I: identity and blockchains
This is the fifth article in my ongoing "How to Think About Blockchains" series. The introduction, with links to the others, is here. On...


5 min read
Everywhere: tokenisation of everything
Chapter 4 in a series "How to Think About Blockchains". This is the fourth chapter in an ongoing series. The first was about how we think...


3 min read
When blockchains become operating imperatives
Tokenised money is here, and further developments and adoption of it are inevitable. If you look for the signs, then the same is true of...

8 min read
Money, Money, Money
Chapter 3 in a series "How to Think About Blockchains". The first thing blockchains disrupted was money. Understanding what money is and...


4 min read
New Kid in Town
Chapter 2 in a series "How to Think About Blockchains" On 31st October, 2008, a pseudonymous person calling themself Satoshi Nakamoto...


13 min read
Changes: thinking about innovation
Chapter 1 in a series "How to Think About Blockchains" Introduction In part 1, I laid out a structure for thinking about blockchains. Not...


4 min read
How to Think About Blockchains
Part 1: introduction to an open-ended series Many years ago I saw an idea online, the internet's version of a parlour game. It said that...


3 min read
Crypto regulation globally and in SA
One of the common questions about crypto and digital assets relates to the regulation and legality thereof. This is absolutely right - if...


8 min read
DeFi, financial services and changing times
Crypto and DeFi are changing the financial system, but it's a very complicated system, so it's hard to predict how this change will...


8 min read
CBDC and a new paradigm of competition
I have written before about the process of adoption of blockchain technology, and how it needs a combination of domain, or commercial,...


4 min read
Blockchain's Impact: Exit, Voice, Loyalty
If you have read about bitcoin, then you should have thought about what money is all about, what it is, fundamentally, and why it works....


5 min read
The strategy of blockchain adoption
"History doesn't repeat itself, but it often rhymes." So said Mark Twain, we are told. Anyone who has spent any time thinking about the...


3 min read
It’s not leapfrog: financial services in Africa is a different game altogether
When Europeans and Americans talk about financial services in Africa, the enlightened ones are increasingly coming to realise that they,...
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