Every product and service is sold on a promise: buy this and it will make your life better, easier, more pleasurable and so on. Sadly many businesses are obsessed with making a profit and neglect really thinking about their customers, meeting their needs and seeing life from their point of view. Happynomics raises deeper issues. Satisfying a customer is not the same thing as making them happier. Take for example a medical company offering cosmetic surgery. Their customer may be happy that they delivered on the promise: removed some fat and wrinkles safely at an agreed price without leaving scars. But is she really more contented and fulfilled as a result? Did surgery really transform her whole life?

Future of Banking, Mobile Payments, FinTech and impact of AI / Artificial Intelligence on banking: articles, videos, presentations by conference keynote speaker. Patrick Dixon is one of the world's best-known Futurist keynote speakers, has worked with hundreds of the world's largest companies and has been ranked one of the 20 most influential business thinkers alive today. Patrick Dixon on future of banking, retail banking and mobile payments, digital tools, corporate banking trends, investment banking and fund management, cybersecurity, risk management in banking, wholesale banking and insurance. Future impact of AI on FinTech and banking software. Future of local, national and global banks, non-banking competitors, banking regulation and compliance. Clients include HSBC, UBS, Credit Suisse, RBS, Barclays, BNP Paribas, Deutsche Bank, Lloyds TSB, Skandia Bank, Nordea Bank, ABSA bank, Bank of Ireland, Ulster Bank, Britania Building Society, Clariden Bank, Co-op Bank, ABN AMRO, Rabobank, CUES, Fortis, Friends First Bank, Macquarie Bank, Minsheng Bank, Morgan Stanley Investment Bank, North Island Credit Union, PrivatBank (Ukraine), RMB, Saga, SEB, Skandia, Sumitomo Bank, Bank Vontobel, European Banking Association. Patrick Dixon has given keynotes on banking related issues to audiences in North America, Central America, Latin America, Western Europe, Central Europe, Eastern Europe, Baltic States, Scandinavia, Africa, Central Asia, South East Asia and Asia Pacific.

Mice have been successfully cloned from another mouse which died 16 years ago, whose intact body was frozen at minus 20 degrees centigrade (1st November 2008). The Japanese research raises questions about whether extinct animals could be cloned from bodies preserved in permafrost, or indeed if a dead person could be "recovered", cloned as a time-warp identical baby twin made from tissue frozen at or before death. Cloning presents huge practical and ethical issues - with major risks to the health of cloned animals (or humans).

Specialisation, department stores, new markets, growth of middle class, designer products, luxury goods and services, competitors to wal-mart and other supermarket chains.

Emerging markets and new economies, Asia, China, India and Africa. Conference keynote speaker and Futurist Dr Patrick Dixon for Aditya Birla.