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This blog post shares some more details about the Digital Asset Grid session. The session Digital Asset Grid will take place on Wednesday 31 Oct 2012 from 16:00 till 17:30 in the Conference Room-3. It is part of the Main Conference sessions of Sibos. The overall Innotribe Program at Sibos here, and I try to keep that post up-to-date with the very latest speaker and program announcements.

I have written extensively about the Digital Asset Grid in previous blog posts. Most recently in Banks-as-a-Platform and the Cambrian Explosion of Everything, all reflections on what it means to live in a hyper-connected world, to be immersed in the digital age.

We swim in a sea of data and the sea level is rising rapidly. Tens of millions of connected people, billions of sensors, trillions of transactions now work to create unimaginable amounts of information. A new environment requiring a lot of adaptability. We are species from the land that have to learn to live in the ocean. Like camels that used to live in the desert, that now have to survive in the ocean.

A new environment requires a new design.

The digital age and making the new design presents both threats and opportunities for Banks:

  • Dis-intermediation and erosion of market share by new entrants, telco’s and dominant technology companies threaten the position of Banks – and are increasing in velocity – reducing margins and profitability.
  • But there are also opportunities: new sources of rich information are multiplying, and the information that is available is being digitised.

Every business is becoming a digital business,

also banks and financial institutions

However, the potential benefits of the explosion in number of nodes and the data volume explosion are being squandered due to low levels of trust, concerns about security, and barriers to monetisation. The Digital Asset Grid has the ambition to tackle these challenges.

The Digital Asset Grid is a research project by Innotribe, SWIFT’s Innovation initiative for enabling collaborative innovation.

The Digital Asset Grid is probably one of the most forward-looking incubation projects of Innotribe.

The project proposes a new infrastructure

for banks to provide a platform

for secure peer-to-peer data sharing

between trusted people, businesses, and devices

The Digital Asset Grid does for data what SWIFT has already done for payments: providing a new scalable global network that supports “digital data banking”, a trusted peer to peer sharing of any digital asset between two or more nodes on the network. Banks existing qualities in management of de-materialized assets (today this is money but tomorrow this will be data), trust, regulatory compliance, market coverage and risk management puts them in a unique position to assume this role.

Indeed, with the Digital Asset Grid, we believe we are setting the direction for creating an internet-scale digital platform for information logistics.

The Digital Asset Grid acts as a digital map which describes:

  • The location of the data,
  • The trust framework governing access,
  • The digital identities who have access to that data, and
  • The usage rights these identities have under trust frameworks.

It overcomes the “data frictions” such as lack of security and trust and enables data to flow, leading to the creation of a low cost eco-system of revenue generating apps & services.

In addition, the Digital Asset Grid leverages SWIFT’s core skills and competences regarding governance, identity, security and operational excellence, establishing thus a global data-sharing platform as ubiquitous and reliable as today’s global banking network.

As part of the research, we wanted to go beyond mere PowerPoint presentation of a concept. What we have done is building an end-to-end prototype, with working applications and a working back-end infrastructure, together with a solid business story that is the result of a consultation with several banks of our community. In addition we produced a “foresight”-video of possible use cases.

Innotribe and its collaboration partners will present this prototype at Sibos on Wednesday 31 October 2012 from 4pm – 5:30pm in Conference Room 3. The session is part of the Main Conference Sessions of Sibos.

What we will show-case is:

  • A very strong opening with a strategy story by Antonio Benjamin – Global Chief Technology Officer & MD Citi GTS/ICG
  • A exciting intro into the changes in the digital data landscape
  • A brand new HD video – in the style of “Flowers for Grandma” and “Fly me to the Moon”, taking you into a not so far future 2013-2014, and showing in life environment of what is possible with current technology and the apps that we have built as part of the prototype.
  • A working prototype of the Digital Asset Grid server, server code and APIs
  • 4 applications illustrating the power of the Digital Asset Grid; some apps are relevant for the retail space, others are more relevant in a B2B context.
  • A compelling Business Story, where the opportunities are categories in three groups:
    • Creating new revenue streams through monetization of existing and new data assets
    • Doing the same better
    • Delivering New Services

But it would not be Innotribe if we added some elements of performance and interactivity. I can’t reveal everything in this blog post, but the staging of this session will include a motorcycle and smoking server.

Also, we will have facilitated breakout sessions to create an immersive learning experience for the audience. In these breakouts you will have the opportunity to get into person-to-person conversation with the developers of the applications and the back-end infrastructure, and the partners who have built the Business Story.

And at the end, Yobie and senior representatives from two other major banks will wrap-up the sessions with some suggestions on the way forward. And we’ll have some other surprises and some very cool announcements, which of course I cannot share now, if not you would not come to the session ;-)

The Digital Asset Grid offers Banks the opportunity to transform their industry, making them and their customers more efficient, generating new value and enabling Banks to launch a range of new services – it is a game changer.

The financial industry has a unique chance to seize this opportunity and position themselves in a very compelling competitive position in a future of real-time information logistics.

I cannot enough emphasise the importance of the Banks-as-a-Platform meme: it means that the value creation moves from the centre to the nodes. The market used to think in monopolistic, silo-ed service providers, that put themselves in the middle of the nodes-universe, leading to non-interoperable silos of data and value creation. By moving from a central to distributed architecture at internet-scale, banks suddenly have the opportunity to be themselves the platform, with SWIFT as a shared beacon of governance and trust.

I believe this is a “good” project. Good for our industry. It comes at the right time and at a tipping point where we see an evolution towards a peer-to-peer economy between trusted nodes in the grid.

It is fantastic that SWIFT – through the Innotribe Incubation Fund – makes this sort of research and experimentation projects possible.

Incubation is in my opinion indeed about “catalysing ideas”: it is about setting waves of thinking into motion, planting seeds in the brain, and getting the chance to develop those ideas in full so that they become foresight scenarios that become in their turn reference points for decision making.

Only when you have some strong foresight scenario/reference in your brain, you can spot and recognise the disruptive change signals from the market and make relevant and inspired decisions on “what would I do if this scenario happens?”

The Digital Asset Grid is one of those foresight scenarios of a catalysed idea, a strong testimony that innovation beyond adjacencies can happen in more traditional environments.

The team has done a great job in depicting the “foresight reference model” of a not-so-far-out possible future. The test for our community will be to validate whether we can rally ourselves to take the foresight model out of its incubation sandbox and move it to the next phase of acceleration and do it for real.

I am very excited to be able to share soon with a wider audience the results of the last couple of months of hard work, and I am very curious to see how and when our industry will seize this opportunity. I feel privileged to witness this turning point, and I am deeply grateful to the team, the customers, and SWIFT who made all this happen.

See you all in Osaka! Wednesday 31 Oct 2012, at 16:00 in Conference Room-3.

By @petervan from the Innotribe team

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The last couple of weeks I have been aroused with many ideas and reflections on Personal Digital Assets and on Digital Assets in general.

The journey started some weeks ago with my prezi talk at TEDxNewWallStreet and included my participation to the WEF “tiger team” on Personal Data, where a group of 30 experts are looking at what is needed to make realize the vision of Personal data as a new economic “asset class”. Personal data created by and about people, touching all aspects of society. That group is stitching the pieces together for a framework of business, technical and legal elements that are needed to underpin this vision.

However, the following video from Kynetx was the big aha-moment during my 4-weeks tour on the subject.

I never thought of a Personal Data Store as a “Personal Event Network”.

This changes everything ™

indeed as Phil Windley (@windley), CTO of Kynetx says.

One years ago, there was this beautiful video animation by David Siegel (@pullnews), a great vision of distributed nodes of personal data content talking to each other through API’s.

In the meantime, there is a rich ecosystem of start-ups that are building something very similar as we speak.

Maybe not yet to its fullest grand vision, but definitely going way beyond the traditional concept of a “personal data store”.

Check out leading start-ups such as Personal.com. Btw I dream of one day seeing an integration of Personal.com with an on-line bank. Anybody needing a brokering service here ? ;-)

What Kynetx is adding to the mix are three important things:

  • the “event” based thinking
  • the prototol for the data-web
  • Cloud Operating System

Event based thinking:

He really nailed it down for me last time I met him:

  • In the past we had RPC (Remote Procedure Calls), in essence fire and forget
  • Then came request/response: you ask for something, and you get it
  • Now there is the “event-signal”. It does not ask for something, it just says “something’s happened”, and any entity in the network can subscribe to the event and decide itself to do something with it.

Protocol for the data-web:

The other aha-moment was when Phil was doing his talk at the New Digital Economies conference on 27 March 2012.

For those who remember, in the past we had silo-d email systems. AOL, Compuserve, etc. They did not interoperate. We got rid of those silos when there was a standard protocol, allowing competing commercial and open source servers to talk to each other in SMTP.

We now see the same with data, personal data, social graphs. We have data-silos (Facebook, Google, Bank systems, Health systems, Government systems, etc). What we need is a “Data-Server” and a “Protocol” that allows these data servers to be interoperable.

Cloud Operating Systems:

Phil has explained all this beautifully in a series of blogs on www.windley.com and I get very inspired when he makes a call for thinking about personal clouds as “cloud operating systems”

All this, Phil calls “The Live Web” (Amazon Associates link). He is so excited about this that he has written a book about it.

In other words, start thinking about your “Personal Data Locker” become a “Personal Event Cloud”: your personal data-server in the cloud that can talk and do things on your behalf, can make decisions, interpret rules, etc…

And it can talk to any entity, any node in the web (or at least nodes in any discoverable namespace). In real-time. In multiplexing mode (meaning the node can be both a server and a client).

It suddenly dawned to me that over the last years we have been hyping “The Programmable WEB”, and that if we are serious about customer centric identity or “customer centric” or “personal” whatever, we may wish to start with the “me”.

Suddenly it was flashing in my brain: “The  Programmable Me”

“Me” is becoming a node in the grid. We are all nodes in the grid, sending and receiving signals. Like neurons passing an electrical or chemical signal to another cell. And start thinking “synapses” when you talk about the API’s of your Programmable Me.

From Wikipedia:

Synapses are essential to neuronal function: neurons are cells that are specialized to pass signals to individual target cells, and synapses are the means by which they do so”

The APIs of your “Programmable Me”, of your Personal Event Cloud are indeed the means to make all these nodes interoperable.

Add to this the graph-thinking of Drummond Reed (@drummondreed), Co-Chair of the XDI/XRI Technical Committee of OASIS. Check-out http://wiki.oasis-open.org/xdi/XdiGraphModel and more specifically some of the Powerpoints out there:

Each circle in this drawing represents a node in the grid. I really encourage you to look at this as a graph – this ensemble of inter-connected nodes – as something 3-dimensional, possibly multi-dimensional.

We have all been trained to think hierarchical. Flat files with a root, that sort of thing.

We have to learn to think in graph-models.

You can start anywhere in the galaxy. Every point can be the center of the universe. There is no root. At least, not in absolute terms. Yes, in relative terms with respect to the other nodes in the universe…

A grand vision starts to develop when you realize that the nodes can be any type of entities:

  • Humans (or their agents)
  • Circles (like Google Circles) of humans (entities without legal form)
  • Corporations, non-profits, governmental or educational institution (aka organizational constructs of humans with specific legal form)
  • We should also include less traditional forms of organizational constructs such as co-operatives, P2P communities, Commons,…
  • Programs (yes, software code), that perform tasks on behalf of the entities above or that operates as fully independent entities.

Each of these nodes/entities can participate in transactions – or better, “value dances”. “Dance” because the protocol is multiplexing, not one-way request-response.

Of course all these entities will require identity, in the broadest sense, not only URI or ID number, but in the sense of a spectrum, a graph that can be shared in context with other nodes/entities.

Sharing the spectrum becomes the essence of trade

What we are witnessing is a 180° turn in the power balance between client and server, slave and master, buyer and supplier, consumer and merchant.

All entities are equal.

We are all equal

Doc Searls (@dsearls) has written a book about it. The Intention Economy. (Amazon Associates Link)

But look at the subtitle: “When Customers Take Charge”.

I like Doc a lot, but his subtitle may suggest that somebody else is in charge: the empowered customer. I am afraid that we may end-up with another un-balance, where the pendulum has swung the other side: where the customer has an unfair data-advantage versus the merchant. But let their be no doubt that today the merchant has the unfair data-advantage, and I read Doc’s book more like a plea for getting the balance right rather than a socialist rant against establishment represented by the “big boys”, the vendors, the merchants, the silos like Facebook and Google.

In all the discussions about the Empowered Customers, we see classic commerce use cases like buying a book, buying flowers for grandma, etc

But I would like to make the jump to truly balanced financial transactions and what “dances between equals” would mean in that space. I invite you to think about your bank as the merchant, the merchant of financial services, and the consumer as the retail or wholesale customer of the bank.

In such scenario, the fundamental shift in thinking already happens at the Point of Sale (POS). We even have the question the term “Point of Sale”. It stems from an old thinking where the merchant “owns” the customer.

YOU are the point of sale

YOU are the point of data integration!

In the past the POS was the master,

now it will be YOU who is in charge,

or your agent,

the “Programmable Me”.

What if we start thinking about banking where YOU are the point of data-integration? What if your bank would offer you a service that enables you to manage your Personal Event Cloud?

I don’t know how it would look like, but it probably would be something triggered from your mobile phone. It probably would look like one of the Next-Gen banks (Simple, Movenbank, Fidor) with a Personal Event Network out-of-the-box.

Some of these Next-Gen banks are already accepting the CRED of your Social Graph as a much richer (in all senses of the word) basis for “Know you Customer”. Although we probably also have to inverse that: from the captive notion of “know your customer” to the user-centric meaning of “know your bank”. Then we may come back to the “primitive” of the meaning of “bank”: a bench where two people meet to build a relationship of value.

So, the discussion is NOT about the next coolest thing for doing a copy-cat of existing money-transactions through the latest greatest gadget like NFC or Bump, or whatever.

Some of all this already permeates in a recent Techcrunch article suggesting the “NFC is already out-moded”

“The thing to keep in mind here” says Crone, “is that NFC was developed more than 20 years ago. It was first deployed 10 years ago. 10 years ago, we didn’t have ubiquitous access to data plans. We didn’t have more smartphones in circulation than feature phones and we had to depend on an ‘offline’ connection for processing payments. But now, there are 124 million households that have more than one device connected to the internet. Typically, that’s a smartphone, but very quickly it’s becoming a tablet.”

Also Christopher Carfi (@ccarfi) starts thinking in this direction in his recent post “Musings in Small Data”.  In there, he refers to a video of Jerry Michalski (@jerrymichalski) of the REXpedition doing a demo his “Personal Brain”. (Disclosure: I am member of the REXpedition). The video is titled “Gardening My Brain” and the talk was given at Personal Digital Archiving on February 22, 2012 in San Francisco.

It’s a pity that this talk is in the context of a personal digital archiving conference. Because, in my opinion, we have dramatically evolved from archiving to sharing.

Sharing of information and digital assets is becoming the new normal in this world of Abundance of information.

Christopher Carfi nails it when he says:

As these issues become more widely understood, more individuals will be tracking their own information. Perhaps it won’t be to the level that Jerry has done it in the video above, but it will be happening. This means that we, while wearing our business hats, will need to be developing real relationships with our customers. We need to listen to what they are saying, what they are asking for, and working collaboratively with them in order to help them fulfill their needs. In the best cases, we’ll have built up levels of trust with our customers and will have been given the explicit permission to access our customers’ personal data stores. In doing so, we’ll be able to actually take the guesswork out of the equation that was noted so clearly above in the Facebook example and will, instead, be able to connect directly with our customers’ intentions and deliver value on their terms.

Creating an economy based on the principles of relations is of course at the heart of the REXpedition. It is probably the next territory for competitive advantage beyond the mundane money transaction.

All this is about creating “Relationship Channels”, channels the vendor can tune into of the user has opened the channel.

All the above are of course very much related to our Innotribe incubation project “Digital Asset Grid” (DAG), which is about the sharing of any digital asset with any party.

All of the above is also very relevant to Mark Pesce’s (@mpesce) thinking about “hypereconomics”, described in one of my previous posts “The future rarely arrives when planned”.

The real question is then: “Where will value be created when all the connections between nodes have become frictionless?” Mark has some ideas on this, and he describes them as “irreducibles

No matter how ‘smooth’ and frictionless hyperconnected commerce becomes, certain frictions in the business world will persist.  These represent both speed humps and opportunities.  The businesses of the 21st century will find leverage and differentiation by identifying and exploiting them.”

What those “irreducibles” are, you will be able to discover at our upcoming Innotribe event in Bangkok on 26-27 April 2012, where together with Mark Pesce we will have some great interactive learning experiences. Be there, or read the report that we will make on this post-conference.

If you really want to take a meta-view on all this, I believe all the examples above illustrate our species being in search for a deeper meaning, a thicker value in everything we experience:

  • We are in search for a higher level of consciousness, a further evolution in Spiral Dynamics, in search for a richer value system, much richer than the pure transaction world that is the narrow lens of today
  • We start looking at companies being nodes in the grid, in fair-trade constellations of equals, trying to maximize the commons and contribution and giving back to society
  • We want to go beyond the “advertising” thinking of “let’s hit the target with an ad”. We are in search for a better world with more Thick value and less Thin value
  • We are starting to see the emergence of “The universe as a Computer” as wonderfully described by Nova Spivack (@novaspivack) in one of his milestone posts last month.

All the above is about defining, articulating, and living lives of greater meaning. With the “M” of meaning. Umair Hague (@umairh) already in 2009 called this “Generation-M”, which in essence is anchored in “constructive capitalism”

Generation M is more about what you do and who you are than when you were born. So the question is this: do you still belong to the 20th century – or the 21st?

I would like to close with a reference to The Wellbeing Revolution (Amazon Associates Link) by James McWhinney (@JamesMcWhinney).

What I liked about this book is that it encourages you to look at where you are in your life, and to look at it through the “M” lens. The lens of meaning.

I then discover that what I am writing today, what job I am doing, who I am married to, was probably all meant to be this way. Not “meant” in a deterministic way. No, “meant” as everything I have done, the decisions I have made, my architecture studies, my infection by the identity virus, my journey in Leading By Being, etc… all these things have made me who I am.

What if I could capture all this richness about me, and have a tool and an infrastructure to share that on my terms and conditions, in context, and with the parties or nodes in the grid that I choose to? What if I could share my meaning in a programmable way?

I would end up with something called “the programmable me”

By @petervan from the SWIFT Innotribe team.

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Yesterday, i had the pleasure to be interviewed by Dan Marovitz, the founder of Buzzumi, a knowledge monetization platform, and a board member of rbidr, and the Professional Diversity Network. He is currently on sabbatical from Deutsche Bank where he was, until June of this year, Head of Product Management for Deutsche Bank’s Global Transaction Banking business.

The subject was digital identity, and the chat covered several subjects from privacy, KYC, user centric identity, and of course our latest incubation project the Digital Asset Grid.

The chat is available online here.

We could have gone on for hours, as the subject is so rich. Buzzumi is a new kid in town for doing online webinars, a bit like WebEx or Skype, with the big difference you don’t have to install any client. The session yesterday was more or less flowless, with some small audio hick-ups (minor). But they are still in beta. I like the idea of “one click and on”.

It also learned me that i am in beta myself for this sort of on-line interviews. I have done some media interviews in the past, and we got here at SWIFT a proper media training, but this is different. You have to watch several inputs at the same time, the chat box is also a source of streaming info. The most important thing is that i need to be better prepared. Really walk through in advance the questions with the interviewer, prepare my key messages i want to convey, prepare content blobs (just keyword is enough) around certain themes that i can tap into at will as the conversation flows.

“Messaging” is fundamentally changing in nature. Video will be an integral component of it, and i can’t wait to see the first blending of this with Twitter and semantic video searching. On good track, Dan !

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As you know by now, Thursday 28 October 2010 is our Innotribe Grand Finale day where everything comes together!

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Make sure to be in the Interactive Workspace from 9-10:30am on Thursday 28 Oct 2010 when we run the “Pitch your Lab” session .

This session is the culminating point of the all the work that will have happened in the Innotribe Labs throughout the Sibos week.

  • We will open with a 20 min update and reflections on the Long Now Lab by Paul Saffo, who will also be the keynote speaker in the Sibos closing plenary later that day.
  • After that, we’ll have a “Pitch your Lab” competition. The best ideas from the cloud, mobile, and smart data labs will be pitched to a jury who will select the winner of this year’s SWIFT Innovation Awards.

Listen to Kosta Peric who explains what this "Pitch your Lab" session is all about. It is your chance to win the SWIFT 2010 Innovation Award !

 

 

Here are the members of our extraordinary jury, also referred as our Buyer’s Panel:

  • Paul Saffo, Professor, Stanford University
  • Jo Van de Velde, Managing Director, Head of Product Management, Euroclear SA/NV
  • Wilco Dado, Head of Global Payments, Royal Bank of Scotland
  • Gary Greenwald, Chief Innovation Officer, Global Transaction Services, Citi
  • Lázaro Campos, CEO, SWIFT
  • Ian Johnston, Chief Executive, Asia Pacific, SWIFT
  • Gottfried Leibbrandt, Head of Marketing, SWIFT
  • Alain Raes, Chief Executive EMEA, SWIFT
  • Kosta Peric, Head of Innovation, SWIFT

The jury will be assisted and advised by a VC (Venture Capitalist) Advisor’s Panel. These VC’s were part of the Innotribe Labs during the week. Here are the members of the VC Advisor’s Panel:

  • Oren Michels, CEO, Mashery (Cloud Lab)
  • Sean Park, Managing Director & Founder, Anthemis Group (Cloud Lab)
  • Eghosa D. Omoigui, Founder & Managing Partner, EchoVC (Smart Data Lab)
  • Nova Spivack, CEO, Lucid Ventures (Smart Data Lab)
  • Jennifer L. Schenker, Founder and Editor-in-Chief, Informilo (Mobile Lab)
  • Matthaus Krzykowski, Mobile Expert, VentureBeat (Mobile Lab)

Each team will have 5 minutes to pitch their Lab-idea to the jury. After each pitch, we will ask the advice of the VC’s.

Then there will be a short Q&A with the judges, and a voice-of-the-public using our latest “high-tech” applause meter.

The winner of this “Pitch your Lab” competition will be announced during the Sibos Closing Plenary at 16:00 later that day.

We run this competition for the second time this year. Last year this session was referred to as “the best session of Sibos 2009”. We have done everything to match last year’s success. We have invested heavily in a solid design of the labs, and have armed the teams with fantastic facilitators from The Value Web, Innotribe Leaders from the business and the technology eco-systems, and matter expert VC’s.

In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team and the Pitch your Lab finalists. We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com
www.innotribe.com
www.swiftcommunity.net/innotribe
innotribe@swift.com
Twitter: http://twitter.com/innotribe
Hash tags: #innotribe and #sibos

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Drop everything ! Get up early ! THE session not to be missed at Sibos this year is the Opening Innotribe Keynotes. Be there at 9am on Monday 25 Oct 2010 in Conference Room #1.

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Lazaro Campos (CEO SWIFT) will open this session and participate to the following interactive Q&A with the speaker panel.

Matteo Rizzi (Innovation Leader at SWIFT and your master of ceremony) and Kosta Peric (Head of Innovation SWIFT) will guide you through the Innotribe program of the week. Knowing Matteo, he for sure will have some humoristic gimmicks in his sleeve to keep you energized that morning: it will start already when you come in, as you will be “bugged”. More details on-site ;-)

Five speakers, thought leaders in their respective domains will thrill you with their latest perspectives on the tectonic shifts that underpin the topics of the rest of the week at Innotribe @ Sibos. Each of them will give a 15 min presentation:

  • John Hagel, Director, Deloitte Centre of the Edge, will follow with “The Power of Pull”, or how business models fundamentally change in our hyper-connected world, and how passionate he is about passion. “The Power of Pull” is also John’s latest best-selling business book.

 

  • Nova Spivack, CEO, Lucid Ventures is the world-renowned “guru” on Semantic Web. He will entertain you with a talk on “The Present is the Future”, how real-time and “Nowism” is permeating everything.

 

  • Stephen Ellis, EVP, Wholesale Banking Group, Wells Fargo, will fire you up with his views on tectonic shifts in Banking.

 

  • Venessa Miemis, Graduating Student NYC, Emergent by Design will speak on “The Future of Money”. Her talk will be spiced-up with a video she produced exclusively for this event in Berlin. We already blogged and twittered a lot about Venessa here

 

 

For early birds, there will be a couple of copies of the books of Peter Hinssen and John Hagel.

After these keynotes, Matteo will pick another trick from his sleeves to make sure the audience participates interactively in a short interactive Q&A with the speakers. He will wrap-up the session with the highlights of the Innotribe day and week, and will give you a call for action to keep you engaged with us throughout the week.

Both in content, quality of the speakers, and format of this session, this will be THE not-to-be-missed session on Sibos Monday. We are convinced it will set the bar for any session for the upcoming week.

Innotribe is organized by SWIFT Innovation with the support of financial institutions, vendors and innovation leaders. In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team.

We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com 

www.innotribe.com 

www.swiftcommunity.net/innotribe 

innotribe@swift.com 

innovate@swift.com 

Twitter: http://twitter.com/innotribe

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Cross-Posted on swiftcommunity.net

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As you know by now, Thursday 28 October 2010 is our Innotribe Grand Finale day where everything comes together!

After the “Pitch your Lab” session (9-10:30 am) and the “Open Innovation Best Practices” session (11:00 – 12:30), we launch for the first time a true “Start-Up competition”.

Make sure you book this high-energy session in your agendas!

The competition will start on Thursday 28 Oct 2010 at 12:30 in the Interactive Workspace : a rollercoaster of 11 five-minute pitches by start-ups in front of the full audience and a judge panel of real Venture Capitalists (VCs).

After the pitches, there will be a short Q&A with the judges, and a voice-of-the-public using our latest “high-tech” applause meter.

The winner of the Start-Up competition will be announced in the final Sibos Closing Plenary at 16:00 later that day.

Finalists have been selected based on their professionalism and fit with the one or more of the four themes of Innotribe 2010: Cloud, Mobile, Smart Data, and Long Now.

Here is the list of 11 finalists (in alphabetical order):

• AcceptEmail (www.acceptemail.com ): E-Billing and Payment via e-mail (**)
• BehavioSec (www.behaviosec.com ) : Behavioural analysis of keyboard/ mouse usage (***)
• Canatu (www.canatu.com ) : Printable devices based on nano-technology (***)
• Collibra (www.collibra.com ) : Business Semantics Glossary for Data Management (S)
• Cumulate: Mobile payments based on Cloud and Semantic Web (*)
• Hypios (www.hypios.com ) : Semantic web for finding experts (***)
• Kinamik (www.kinamik.com ) : Data Integrity and in-stream archiving (***)
• MiiCard (www.miicard.com ): Identity and dematerialization of bank account creation (S)
• MyWOT (www.mywot.com ) : My Web of Trust (***)
• FX Capital Group  (www.fxcapitalgroup.co.uk ): The Currency and Payments Platform (S)
• Smartlogic (www.smartlogic.com ) : Semantic analysis of contracts/legal documents (***)

(S) Spotted by our own SWIFT innovation scouts during the year
(*) Winner of the Innotribe Lab at CPA Conference June 2010, Vancouver
(**) Winner of the Florin Award competition at EPCA Conference March 2010, Paris
(***) Selected from Innovate 100 Pitchslams (www.innovate100.com ) sponsored by SWIFT.

All finalists will have the opportunity to get a G/SCORE assessment : a standardized, scalable methodology for the incisive analysis and transparent assessment of startups’ commercial viability, execution, team and business model.

This methodology has been developed by Chris Shipley and the Guidewire Group, the organizers of www.innovate100.com

And here are the VC Judges:

• Jennifer Schenker, Founder and Editor-in-chief – Informilo (www.informilo.com ) with focus on Mobile
• Oren Michels, CEO – The Mashery (www.mashery.com ) with focus on Cloud Computing
• Nova Spivack, CEO – Lucid Ventures (www.lucidventures.com ) with focus on Smart Data
• Guido Jouret, VP CTO Emerging Technologies Group – Cisco (www.cisco.com ). Best Practice Incubation.
• Mike Sigal, Co-Founder, President and Chief Development Officer – Guidewire Group (organiser of Innovate 100 –www.guidewiregroup.com ) and G/SCORE methodology to score start-ups.

The prize:

There is no other prize attached to this competition other than visibility towards the financial community and a group of experienced VC’s who have their own networks with Business Angels, VCs, and Investment Funds.

We run this competition for the first time this year. As such this is an experiment, where our main ambition is to expose the Sibos audience to the typical high-energy dynamics of such a competition and the start-up mindset in general.

Let’s start the conversation:

In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team and the Start-Up finalists. We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com
www.innotribe.com
www.swiftcommunity.net/innotribe
innotribe@swift.com
Twitter: http://twitter.com/innotribe
Hash tags: #innotribe and #sibos

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This blog post is Part-2 of a series that started as the ongoing thinking after our Digital Identity Tour in June 2010. In Part-1, I developed the idea of the Unpolished Diamond.

Today, I will entertain you on the concept of a Digital Identity Tuner, which in its own is also a further evolution of the Identity Rights System 3.0 post of March 2010.

It all started coming together when – during the tour – we visited PayPal.

This visit was at the end of the tour. We were welcomed by Eve Maler, Distinguished Engineer, Identity Services at PayPal, and Andrew Nash, Senior Director Identity Services at PayPal

Eve MalerAndrew Nash

These folks of PayPal basically told us to forget what we had seen earlier in the week. These are probably some of the smartest identity folks around, so you pay attention.

Indeed, I was amazed how much further ahead they were, not only in their conceptual thinking, but also in the pace at which they define and rapidly test new protocol standards.

The eye-opener for me was that there is no business in identity, but there is some significant potential when flipping the discussion to sharing and managing of user data.

 

It is not that much about identity,

but more about digital footprint.

 

Happens that a couple of weeks later I read Tony Fish’s book My Digital Footprint, where the author explains razor sharp that there is a difference between digital identity and digital footprint.

At about the same time, I saw appearing on the internet all sorts of semantically tagged enabled viewers, like this one from Recorded Future.

 

Recorded Future lets you search and find for events, based on the WHAT, the WHO/WHERE and the WHEN.

 

What if we could do this

for a person’s digital footprint ?

 

Here is where my Digital Identity Tuner comes into the picture:

phil0501

Remember those old radios ? You could “tune” into a radio channel, and there was a big button, and if you turned that button an arrow would move over a “map” of pre-defined radio stations.

What if we could do the same on your digital footprint ?

Petervan Digital Persona AUG 2010

The spectrum above is my “Digital Persona” as generated recently by MIT’s Digital Personas project. Personas shows you how the internet sees you.

Every color in the spectrum is about a certain dimension of your digital footprint: books you read, education, political preferences, musical preferences, professional attributes, etc, etc…

What if you could make that spectrum “clickable” ? Not only via a browser, but also via API’s. What if you could zoom in/out that spectrum or certain aspects of it ?

So far, we have “tuned” in two dimensions:

  • On the horizontal axis, hovering over the different color dimensions
  • On the “depth” axis, zooming in/out to get more or less detail

Let me add the third dimension of Time.

m01_16895561

I could tune into the past, but I could also tune into the future, as my digital footprint does not only contain past behavior, but also contains real-time data (such as devices that I may wear to beam my heartbeat-data to the Microsoft or Google or Wallgreens or whoevers Healthvault when running a couple of miles on my cloud enabled Nike shoes.

PolarS625Ximage

It also contains data about my future, as I keep my calendar in Google Calendar, for example. Or the event for which I bought tickets. Or even on-line streaming events for which I subscribed.

 

image

 

UPDATE-2: or check out this TED Video, on the Quantified Self, with Gary Wolf’s intriguing new pastime: using mobile apps and always-on gadgets to track and analyze your body, mood, diet, spending — just about everything in daily life you can measure — in gloriously geeky detail.

image

So, the third dimension is time.

 

What if I would have a sort of

“Remote Control”

 

that could let me navigate through my digital footprint on those three dimensions. It’s like steering a helicopter via remote control.

 

 

Or maybe more dimensions. You would end-up with something that navigates you through a fractal or so…

Of course, we don’t live alone on this planet.

 

We are part of tribes

of swarms

with leaders and followers

 

I love the metaphor of “SWARM”

 

Imagine that we have a similar digital tuner for navigating the swarm. For seeing links between the WHO’s in the swarm.

UPDATE: just a couple of hours after my initial posting of this blog entry, I came across this great post by Greg on Digital Tonto about “The Story of Networks”. At the end he refers to a great TED talk by Nicholas Christakis “How social networks predict epidemics” 

 

In essence, it shows the “swarm” of communities, leaders and followers and their relationships. And how germs, ideas, memes, etc spread in a community based on the same S-curves as innovations happen. Nicholas A. Christakis, MD, PhD, MPH, is an internist and social scientist at Harvard University who conducts research on social factors that affect health, health care, and longevity.

So far, we looked at “navigating”. But the system would also allow me to define and manage who gets access to what parts of my digital footprint in what specific contexts or constraints. Not only “access”, but also “usage”.

For all that to happen, we need to fundamentally rethink how we deal with digital footprint.

 

We have to navigate away from identity systems that mimic our brick-and-mortar world, that are still based on the metaphor of identity cards, or passports, or electronic equivalents based on PKI systems and certificates.

 

No, we almost need a new semantic tagging language. Not to “tag” pages or servers, but to tag my digital footprint.

And not only “tag” it but allocate and manage “usage” rights to it. And I should be the owner of those data, whether they sit on my computer, in Facebook, or distributed open source models like Diaspora.

 

image

 

So that I end up with a collection of different “where’s” where data about me is kept. It may lead to some new form of DNS, but then a DNS of people. Not pages or servers.

Maybe all this is a bit of futuristic/iconoclastic thinking. Maybe. But when reading the book “Iconoclast: A Neuroscientist Reveals How to Think Differently” by Dr. George Berns, I came across the following two sentences and took them a little bit out of … context.

But they are so relevant to our identity context:

There are two paths in spectrum: one for identity/categorization and the other for digital footprint / Trail / history/future (time dimension, recording, in the future,…)

The high road is concerned with extracting where objects are located and throws away the elements related to their identity. The low road, on the other hand, is concerned with identification and categorization, and less so with objects’ spatial locations

As Tony Fish so well articulated in his book: we have to separate identity an footprint.

The discussion

about internet identity

has moved from identity to footprint

how we are going to manage that

with a privacy ethic

that is adapted

to our hyper-connected world

 

Privacy is not dead. It needs to be redefined.

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