Future of FinTech - Keynote Speaker on FinTech Innovation - Impact on Banking, Insurance and Personal Finance

Banks, Banking, Mobile Payments, FinTech, BitCoins

I have worked with many of the largest banks and insurers in the world over the last 20 years, and all of them are focussed right now on the threat and opportunity of FinTech innovation.

Very simply: FinTech will cause as radical changes to banking and payments as the web has caused to the whole of society. Combine the gigantic power of the web and mobile tech with the profits of the entire financial sector worldwide, and you get one of the greatest opportunities to create digital wealth that the world has ever seen.

That's one reason why FinTech is one of the fastest growing areas of IT innovation with over $18bn invested a year.  In the first 3 months of 2017, Global FinTech startups raised $2.78n of investment from global venture capital firms, in 226 separate deals. In London alone there are probably over 10,000 FinTech startups - it is hard to keep track of the frenetic pace of change in this sector.

Why is FinTech so important?

FinTech combines all the power of the web, the potential of mobile transactions, the capabilities of cloud-computing, of Artificial Intelligence and Big Data analytics, and all the potential of mega-sized IT platforms, to completely transform how money is stored and transferred, globally.

Read more: Future of FinTech - Keynote Speaker on FinTech Innovation - Impact on Banking, Insurance and Personal Finance

   

Why future wars will be radically different: Hybrid Conflicts, Civil Chaos, Cyberattacks, Border Disputes. Impact on defence spending, Superpowers Military Strategy - keynote speaker

Government, Politics, Activists, Democracy, War

A few years ago, I gave a lecture to the Pentagon (USPACOM), on how to reduce risks of future wars and reduce international tensions. It was one of the toughest assignments I can remember.

Our world spends over $1.8 trillion every year on weapons and other defence costs, or 2.5% of global GDP, down from 4% in the last days of the Cold War, equivalent to $250 per person on earth. Combined sales of the largest 100 arms companies is around $320 billion a year - yet most of it is completely irrelevant to the conflicts of the future.

40% of all global military spending is by one nation alone: America, which burns up more in this way than the next 15 highest-spending nations combined. This is a truly spectacular imbalance of military fire-power, and will be unsustainable in the longer term as we will see.  America only needs to spend 3% of GDP on arms to achieve such dominance – compared to Russia which today spends 4% of a much smaller economy, China 2%, India 2%, UK 2%, France 2%, Israel 6%, Saudi Arabia 9% and Oman 12%.... But how do we ensure world peace?....

Read more: Why future wars will be radically different: Hybrid Conflicts, Civil Chaos, Cyberattacks, Border Disputes. Impact on defence spending, Superpowers Military Strategy - keynote speaker

   

Next Financial miss-selling crisis? Future of Fund Management. Why most fund managers I talk to do not recommend their own retail actively managed funds. Impact on Future of Banking and Pension Funds. Fund Management Keynote Speaker

Banks, Banking, Mobile Payments, FinTech, BitCoins

Video from 2010 but JUST as urgent and relevant today.

Fund management really matters - as vital to society as hospitals and schools because it protects the wealth of us all as pensioners. For many years, I have given keynotes on global investment trends to Fund Managers from across the world.  I have had over $1 trillion of funds under management of a single audience. But here is a shocking fact. A significant proportion of fund managers (usually the great majority) at events I have spoken at over the last few years lack confidence in their own actively managed investment funds.  For example, most tell me (straw polling during presentations) that they do not recommend their own products to friends and family, and do not commit their own wealth into their own funds unless they need to as part of the job. If fund managers do not believe they are adding value, it becomes a serious ethical issue if those retail funds continue to be actively marketed.  Life is too short to sell things you don’t believe in. So what is the future of actively managed funds?...

Read more: Next Financial miss-selling crisis? Future of Fund Management. Why most fund managers I talk to do not recommend their own retail actively managed funds. Impact on Future of Banking and Pension Funds. Fund Management Keynote Speaker

   

How a single hack could destroy your company. With 3bn accounts hacked in just one company, cyberattacks are greatest risk to large business, nations and wider world - The Truth about Cybersecurity and what to do about it - keynote speaker

Technology Speaker, AI, Big Data, Robotics, Cyber

What happens when you combine Robotics, Artificial Intelligence, the Internet of Things, Big Data and Cloud Computing, to the world of banking, telcos, mobile devices and personal computers? 

The answer is the you get the biggest target for criminals that the world has ever seen - all waiting online to be attached and exploited in a billion different ways using little more than a couple of computers, owned by very smart geeks. Never in human history has it been possible for one person, sitting in a bedroom at home in a distant land, to create such havoc and chaos, to seize such power.  So what do we do about it?

Cyber-crime will be one of the greatest threats to our world over the next 50 years, and far beyond, into centuries to come.  There is no way back from such a future, except by dismantling all the global e-systems that link us increasingly together. (Extract from book The Future of Almost Everything by Futurist keynote speaker Patrick Dixon.)

Read more: How a single hack could destroy your company. With 3bn accounts hacked in just one company, cyberattacks are greatest risk to large business, nations and wider world - The Truth about Cybersecurity and what to do about it - keynote speaker

   

Why most marketing directors hate marketing - how to create magic for customers, shift from mass campaigns to personal conversations - marketing keynote interview

Future Marketing Keynotes, Mobile,Digital Consumer

Interview on marketing trends, with Patrick Dixon, Futurist - following keynote on the future of marketing at the Swiss Marketing Forum.

It is shocking how many marketing directors tell me in my marketing trends keynotes that they really hate marketing.  They really find most marketing campaigns irritating - when they are on the receiving end.

Almost all hands go up around the audience at large marketing events in every nation when I ask a simple question:

"Put up your hands if you hate marketing - you hate being marketed at.  You hate SMS campaigns directed at your phone.  You get irritated by YouTube adverts that last more than 5 seconds, and so on."

Mystery shopping is a great reality check, a wake up call for many marketing directors and customer experience teams. Pretend to be one of your own customers. Watch, listen, experience.

Read more: Why most marketing directors hate marketing - how to create magic for customers, shift from mass campaigns to personal conversations - marketing keynote interview

   

Travel Crazy: Future of Travel, Tourism, Corporate Travel, Aviation, Hospitality and Hotels - travel industry keynote speaker for American Express

Future of Travel Keynotes, Transport, Tourism

Here is a video of the keynote I gave on the future of travel for American Express in Moscow.  I gave a keynote on the same topic a couple of years earlier and the audience loved it so much that they asked me to return.

To make the point that video conferencing is a terrible experience compared to breathing the same air, being in the same room, they asked me to start my keynote by video link, from another room, and then walk right onto the platform, when talking about video calls and their impact on business travel.

So I recommend that you start the video around 2 minutes in - and enjoy your journey into the future....

Read more: Travel Crazy: Future of Travel, Tourism, Corporate Travel, Aviation, Hospitality and Hotels - travel industry keynote speaker for American Express

   

How we will travel and why. Future of Transport Infrastructure - need for long term government policy on travel, transport, infrastructure, rail, roads, ports and airports - Transport Keynote Speaker Comment

Future of Travel Keynotes, Transport, Tourism

Comment on the future of transport infrastructure and government policy.  

Key trends in the travel, tourism, logistics and supply chain sectors.

How government transport policies are being overtaken by events.  

OECD Transport Forum comment after keynote on future transport issues.  

Read more: How we will travel and why. Future of Transport Infrastructure - need for long term government policy on travel, transport, infrastructure, rail, roads, ports and airports - Transport Keynote Speaker Comment

   

Want to live forever? How to repair human organs, build new organs and regenerate your brain, liver, kidney, spinal cord and retina. Why stem cells will change our lives - future of health care

Future Health Care Speaker, Future Pharma Keynotes

JUST AS I PREDICTED - 14 years ago in the video above.  We are now curing blindness in humans, using their own stem cells.

Stem cells are primitive cells which have the capacity to grow into many different types of organs. We now know that whenever an organ in your body is injured, these special cells are released by the bone marrow into the blood, which automatically search out areas of damage. 

The cells migrate to where they are most needed, and help in repairs.  In most cases we think the way they do this is by producing special chemicals such as cytokines, and other proteins or fats, which stimulate local regeneration.

The good news is that doctors have decades of experience of using stem cells in health care, treating people with advanced leukaemia which is cancer of the bone marrow. And we can find stem cells in many different parts of the body.

Read more: Want to live forever? How to repair human organs, build new organs and regenerate your brain, liver, kidney, spinal cord and retina. Why stem cells will change our lives - future of health care

   

Future Health Care - book extract: MedTech, Biotech, NanoTech, Infotech- impact on health trends, longevity forecasts, hospitals, future home care and the future of the pharma industry in developed nations, emerging markets - health care keynote speaker

Future Health Care Speaker, Future Pharma Keynotes

Future of Health - extract from The Future of Almost Everything book, by Futurist keynote speaker and physician, Dr Patrick Dixon, advisor to over 400 of the world's largest corporations, including many multinational pharma and health care companies.

We have seen how the future of every nation is linked to demographics, migrations and cities. But these things are also linked to the future health: not only how many people are born, but how fit they are and how long they live. And in health care, most of humankind will see an astonishing revolution over the next 30-50 years. The fact is that 65% of all health care spending in developed nations is on those over the age of 65, most of whom have several chronic health conditions, almost all related to the ageing process. Therefore it could be said that every pharma company and every hospital exists primarily to serve the health care needs of older people, in those parts of the world.

The greatest health challenges in the next two decades are almost all related to ageing, as many emerging nations also become older...

Read more: Future Health Care - book extract: MedTech, Biotech, NanoTech, Infotech- impact on health trends, longevity forecasts, hospitals, future home care and the future of the pharma industry in developed nations, emerging markets - health care keynote speaker

   

The TRUTH about the Global Economy, Wholesale Finance, Future Interest Rates, Real Estate Development and the Future of Banking - Keynote Speaker

Future Trends, Economy, Markets, Keynote Speaker

We may debate the economics of the world over the last decade, which have been largely driven by growth in emerging markets (where 85% of humanity live), but the fact is that many corporations now have huge cash mountains and no idea what to do with it. Trillions of dollars of cash is sitting in bank accounts of large companies doing nothing at all - more than $2.3 trillion in large Japanese companies alone. $12 trillion was made available a few years ago by Central Banks to the largest banks in their own nations. $3.7 trillion was by the US Federal Reserve alone. In addition $10 trillion of government bonds were issued with negative rates of interest (see below). Yet despite all this, many banks have refused to take cash offered by governments to help stimulate their economies, even when they are effectively fined by Central Banks for doing so...

Read more: The TRUTH about the Global Economy, Wholesale Finance, Future Interest Rates, Real Estate Development and the Future of Banking - Keynote Speaker

   

Shocking facts about your future - how 11 billion people will eat, sleep and breathe in our future world where 1% owns 65% of the wealth, 85% live in emerging markets, with new people movements and revolutionary forces

Future of Emerging Markets, China, India - Speaker

Unsustainable population growth

One billion children will become consumers in the next 15 years – the biggest jump in human history.

Today in Africa 350 million children see glimpses of your lifestyle and compare this to their own, surviving on less than $3 a day. Most of them will spend their entire adult lives living in cities, chasing dreams of wealth.

By 2025, most people on the planet will be in Asia.

85% of the world’s population will be living in emerging markets or today’s developing countries by then, mostly in cities.

Only 1 in 7 will be in today’s developed nations, driving less than 10% of the world’s economic growth.

Read more: Shocking facts about your future - how 11 billion people will eat, sleep and breathe in our future world where 1% owns 65% of the wealth, 85% live in emerging markets, with new people movements and revolutionary forces

   

Future of China - 300 year trend that will shake the entire world. Truth about so-called "emerging markets" and future risks for China - keynote

Future of Emerging Markets, China, India - Speaker

China is a wealthy ‘nation of nations’ with a huge middle class, gigantic manufacturing capacity, its own dotcom boom, the world’s largest high-speed rail network, and one of the best educated workforces in the world. China is evolving rapidly and for many globalised corporations manufacturing in China is becoming a rather old-fashioned idea, because of rising costs.

China is now the world’s largest economy according to the World Bank, on the measure of purchasing power parity (PPP), which looks at what the local currency will actually buy, after adjusting for international exchange rates.  China’s economy will be three times the size of India’s in 2025, as it is today, but we can expect that India will close that gap in the longer term.

On an absolute dollar basis, China will be the world’s largest economy by 2024, propelled by a threefold rise in consumer spending each year from $3.5 trillion in 2014 to $10.5 trillion by 2024. This will all be part of a transition from an export-led, manufacturing economy to a more balanced economy serving Chinese consumers.

Read more: Future of China - 300 year trend that will shake the entire world. Truth about so-called "emerging markets" and future risks for China - keynote

   

Future of Insurance Industry - and re-insurance risks - summary of recent insurance keynote

Future of Insurance Industry / Risk - Keynotes

* Patrick Dixon has advised many of the world's largest insurance companies on global trends, opportunities, customer behaviour, fund management strategies and risk management.

Insurance is as fundamental to a stable and prosperous society as banking, hospitals and schools. Yet more than 3 billion people have never heard of insurance, do not know how it works, and have no idea how to get hold of it.  Most insurance today is sold to a mere 1% of the global population who own 50% of all the wealth.

Expect rapid growth, therefore, of basic insurance in emerging markets where 85% of humanity lives, targeted mainly at the emerging middle class. Health insurance will lead the way, after insurance types that people are forced by law to buy, such as motor insurance. Expect a boost in many nations in sales of life or health products from tax rebates, especially where they are structured to contain an element of saving. Many who are unbanked today will gain their first insurance cover using a smartphone, or through micro-loans associations.  Extract from The Future of Almost Everything....

Read more: Future of Insurance Industry - and re-insurance risks - summary of recent insurance keynote

   

Truth about Blockchain and BitCoins – impact of Blockchain on your industry, business and wider world. BitCoin and other cryptocurrencies - keynote comment

Technology Speaker, AI, Big Data, Robotics, Cyber

I have advised hundreds of the world’s largest corporations on digital trends, and one of the biggest that CEOs and boards are now talking about is Blockchain. What is Blockchain and what does it mean for us?  Could Blockchain wipe out our business, or will Blockchain help us grow? Here is a comment after my recent keynote for the global team of Generali Insurance, on Blockchain.

Blockchain means that anyone in the world with online access can prove a particular document exists, when it was sent, who it was sent to and so on.  We can also prove that an event has taken place, in a way which is fully transparent to everyone who needs to know this around the world. The implications of this are going to be huge.  And it will be many years before we work it all out.  

Read more: Truth about Blockchain and BitCoins – impact of Blockchain on your industry, business and wider world. BitCoin and other cryptocurrencies - keynote comment

   

Truth about Robots - will robots destroy millions of jobs? What future for human beings at work? Artificial Intelligence and Robotics Keynote Speaker

Technology Speaker, AI, Big Data, Robotics, Cyber

Yesterday I shared a platform with a ROBOT to give a keynote (for EY / Ernst & Young) - as I do regularly....but I'm at no risk whatsoever of losing my job to the automaton.

I have worked with over 400 of the world's largest companies over the last few years, as a Futurist advisor / keynote speaker - and huge numbers of them are worried about robotics / AI / Artificial Intelligence. What does it mean for our business? Are we investing enough in Big Data analytics? How will competitors attack our markets using robotics and next-generation automation. How will Artificial Intelligence control our future?

At the same time, in the media everyday we see sensational headlines such as "Hundreds of millions of jobs will be lost to robots", suggesting that humankind will never be able to find enough work for tomorrow's people, because so many jobs will be done by machines....

Read more: Truth about Robots - will robots destroy millions of jobs? What future for human beings at work? Artificial Intelligence and Robotics Keynote Speaker

   

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