I started my career as a software designer and developer that had its
designer and developer that had its
designer and developer that had its consequences it also severely affected
consequences it also severely affected
consequences it also severely affected my thinking I have a tendency to look at
my thinking I have a tendency to look at
my thinking I have a tendency to look at every challenge like it’s a software
every challenge like it’s a software
every challenge like it’s a software design problem now you cannot apply that
design problem now you cannot apply that
design problem now you cannot apply that to everything matters of the heart
to everything matters of the heart
to everything matters of the heart require a distinctly different approach
require a distinctly different approach
require a distinctly different approach don’t try to rewrite the system software
don’t try to rewrite the system software
don’t try to rewrite the system software of your partner or friends it does not
of your partner or friends it does not
of your partner or friends it does not work but there are quite a few things
work but there are quite a few things
work but there are quite a few things that can be approached from a software
that can be approached from a software
that can be approached from a software design angle today I want to talk about
design angle today I want to talk about
design angle today I want to talk about one of them money money is the killer
one of them money money is the killer
one of them money money is the killer app with seven and a half billion users
app with seven and a half billion users
app with seven and a half billion users when you design software you’re also
when you design software you’re also
when you design software you’re also designed the way people will use it and
designed the way people will use it and
designed the way people will use it and that has an influence on their behavior
that has an influence on their behavior
that has an influence on their behavior great games for example are designed to
great games for example are designed to
great games for example are designed to be addictive if you got the feeling you
be addictive if you got the feeling you
be addictive if you got the feeling you can take on the game’s challenge you get
can take on the game’s challenge you get
can take on the game’s challenge you get instant rewards when you succeed you’re
instant rewards when you succeed you’re
instant rewards when you succeed you’re likely to be sucked in just one more
likely to be sucked in just one more
likely to be sucked in just one more level honey or take Facebook one more
level honey or take Facebook one more
level honey or take Facebook one more post one more last one really the way
post one more last one really the way
post one more last one really the way you design software influences the
you design software influences the
you design software influences the behavior of the people using it now one
behavior of the people using it now one
behavior of the people using it now one of the defining properties of software
of the defining properties of software
of the defining properties of software is that it is 100% man-made there are no
is that it is 100% man-made there are no
is that it is 100% man-made there are no fields where software has grown or mines
fields where software has grown or mines
fields where software has grown or mines where it is dug up this is something it
where it is dug up this is something it
where it is dug up this is something it has in common with money as the saying
has in common with money as the saying
has in common with money as the saying goes money doesn’t grow on trees just
goes money doesn’t grow on trees just
goes money doesn’t grow on trees just like software it is 100% man-made money
like software it is 100% man-made money
like software it is 100% man-made money is kind of like software everyone uses
is kind of like software everyone uses
is kind of like software everyone uses now money is a strange thing isn’t it we
now money is a strange thing isn’t it we
now money is a strange thing isn’t it we use it almost every day
use it almost every day
use it almost every day which we hardly ever think about its
which we hardly ever think about its
which we hardly ever think about its nature always your relationship with
nature always your relationship with
nature always your relationship with money when you grew up
I took it for granted just like it doing
I took it for granted just like it doing the existence of air for granted now I
the existence of air for granted now I
the existence of air for granted now I was lucky enough to grow up in a fairly
was lucky enough to grow up in a fairly
was lucky enough to grow up in a fairly wealthy middle-class family and money
wealthy middle-class family and money
wealthy middle-class family and money was never really a problem but yet I
was never really a problem but yet I
was never really a problem but yet I still got the message that what you have
still got the message that what you have
still got the message that what you have should not be shared that didn’t really
should not be shared that didn’t really
should not be shared that didn’t really sit well with me go when I went to
sit well with me go when I went to
sit well with me go when I went to university I was the first of my friends
university I was the first of my friends
university I was the first of my friends to have a car it quickly became a shared
to have a car it quickly became a shared
to have a car it quickly became a shared car I also paid for drinks a little bit
car I also paid for drinks a little bit
car I also paid for drinks a little bit more than my friends did because I could
more than my friends did because I could
more than my friends did because I could and that’s been a theme throughout my
and that’s been a theme throughout my
and that’s been a theme throughout my life it makes me feel good when I can
life it makes me feel good when I can
life it makes me feel good when I can share something be it my car my house or
share something be it my car my house or
share something be it my car my house or by paying for a dinner and according to
by paying for a dinner and according to
by paying for a dinner and according to research that joy of sharing is part of
research that joy of sharing is part of
research that joy of sharing is part of human nature
human nature
human nature it wasn’t until I inherited my family’s
it wasn’t until I inherited my family’s
it wasn’t until I inherited my family’s wealth that I was brutally confronted
wealth that I was brutally confronted
wealth that I was brutally confronted with what money can do to a person I
with what money can do to a person I
with what money can do to a person I inherited enough to share with others in
inherited enough to share with others in
inherited enough to share with others in my family and still have plenty left for
my family and still have plenty left for
my family and still have plenty left for myself
myself
myself and yet was it reluctance in sharing I
and yet was it reluctance in sharing I
and yet was it reluctance in sharing I have not felt before because you see
have not felt before because you see
have not felt before because you see when you have a lot of money
when you have a lot of money
when you have a lot of money it easily attracts more money just like
it easily attracts more money just like
it easily attracts more money just like having a lot of debt easily gets you
having a lot of debt easily gets you
having a lot of debt easily gets you into more debt give money when it’s gone
into more debt give money when it’s gone
into more debt give money when it’s gone together with its power to attract more
together with its power to attract more
together with its power to attract more money the pool was Anja ball more this
money the pool was Anja ball more this
money the pool was Anja ball more this was my first hand experience with her
was my first hand experience with her
was my first hand experience with her money affects someone’s thinking in
money affects someone’s thinking in
money affects someone’s thinking in actions and not just mine
actions and not just mine
actions and not just mine the presence of all that money costs
the presence of all that money costs
the presence of all that money costs strife in the family
strife in the family
strife in the family the design of money influences our
the design of money influences our
the design of money influences our behavior just like the design of
behavior just like the design of
behavior just like the design of software does and science Baxter’s up I
software does and science Baxter’s up I
software does and science Baxter’s up I read an article in the June 2016 issue
read an article in the June 2016 issue
read an article in the June 2016 issue of Scientific American where they
of Scientific American where they
of Scientific American where they researched our behavior after we handled
researched our behavior after we handled
researched our behavior after we handled money the conclusion after handling
money the conclusion after handling
money the conclusion after handling money we become less willing to share
money we become less willing to share
money we become less willing to share and less willing to help others this
and less willing to help others this
and less willing to help others this kind of behavior starts at the age of
kind of behavior starts at the age of
kind of behavior starts at the age of three
the way you design software influences
the way you design software influences the behavior of the people using it
the behavior of the people using it
the behavior of the people using it everyone uses the money app now this is
everyone uses the money app now this is
everyone uses the money app now this is not how it became now this is not how I
not how it became now this is not how I
not how it became now this is not how I came to spend most of my time working in
came to spend most of my time working in
came to spend most of my time working in monetary systems that started back in
monetary systems that started back in
monetary systems that started back in 2012 when I was wondering why is it so
2012 when I was wondering why is it so
2012 when I was wondering why is it so hard to solve our climate change problem
hard to solve our climate change problem
hard to solve our climate change problem we knew what was going on
we knew what was going on
we knew what was going on we knew what had to be done and we had
we knew what had to be done and we had
we knew what had to be done and we had the technology to do it or from a
the technology to do it or from a
the technology to do it or from a software design angle we identified the
software design angle we identified the
software design angle we identified the problem programmed the solution and all
problem programmed the solution and all
problem programmed the solution and all we had to do is run the program but
we had to do is run the program but
we had to do is run the program but that’s still not really happening why
that’s still not really happening why
that’s still not really happening why money it is just not enough money to do
money it is just not enough money to do
money it is just not enough money to do what needs to be done I could hurt the
what needs to be done I could hurt the
what needs to be done I could hurt the economy but money is 100% man-made
economy but money is 100% man-made
economy but money is 100% man-made that’s kind of like saying we don’t have
that’s kind of like saying we don’t have
that’s kind of like saying we don’t have enough pokemons in order to end poverty
so I started looking at money the way I
so I started looking at money the way I do at software how is it designed for
do at software how is it designed for
do at software how is it designed for most people very badly for one there are
most people very badly for one there are
most people very badly for one there are only a limited number of sources namely
only a limited number of sources namely
only a limited number of sources namely the banks now some of you will be
the banks now some of you will be
the banks now some of you will be thinking work but work does not create
thinking work but work does not create
thinking work but work does not create money it transfers money from the
money it transfers money from the
money it transfers money from the employer to the employee it’s a
employer to the employee it’s a
employer to the employee it’s a distribution system banks they create
distribution system banks they create
distribution system banks they create money every time someone takes out a
money every time someone takes out a
money every time someone takes out a loan now the first time I read that I
loan now the first time I read that I
loan now the first time I read that I thought I had landed on some conspiracy
thought I had landed on some conspiracy
thought I had landed on some conspiracy theory side because to me this was just
theory side because to me this was just
theory side because to me this was just too ridiculous to be true after some
too ridiculous to be true after some
too ridiculous to be true after some digging I found the same statement in a
digging I found the same statement in a
digging I found the same statement in a document published by the central bank
document published by the central bank
document published by the central bank of England now these guys should know
of England now these guys should know
of England now these guys should know what you’re talking about right so there
what you’re talking about right so there
what you’re talking about right so there you have it money is created by banks
you have it money is created by banks
you have it money is created by banks which makes them the source of money but
which makes them the source of money but
which makes them the source of money but they are Finn’s sources you cannot just
they are Finn’s sources you cannot just
they are Finn’s sources you cannot just walk into a bank and say can have some
walk into a bank and say can have some
walk into a bank and say can have some money and expect them to give it to you
money and expect them to give it to you
money and expect them to give it to you unless you’re a bank robber of course
unless you’re a bank robber of course
unless you’re a bank robber of course but that strategy doesn’t always work
but that strategy doesn’t always work
but that strategy doesn’t always work either
banks will only create money fear if you
banks will only create money fear if you can bring back more than you took out
can bring back more than you took out
can bring back more than you took out that’s called interest just let that
that’s called interest just let that
that’s called interest just let that sink in a bank will create money for you
sink in a bank will create money for you
sink in a bank will create money for you if you bring back more than they created
if you bring back more than they created
if you bring back more than they created but how are we supposed to pay for that
but how are we supposed to pay for that
but how are we supposed to pay for that interest if money is created by banks
interest if money is created by banks
interest if money is created by banks through loans
through loans
through loans who the hell created this app I can
who the hell created this app I can
who the hell created this app I can imagine most people are not very willing
imagine most people are not very willing
imagine most people are not very willing to share their money can I have some
to share their money can I have some
to share their money can I have some money sorry no can do you have to bring
money sorry no can do you have to bring
money sorry no can do you have to bring it back to the bank but money is 100%
it back to the bank but money is 100%
it back to the bank but money is 100% man-made that means the app can be
man-made that means the app can be
man-made that means the app can be rewritten and that opens up a lot of
rewritten and that opens up a lot of
rewritten and that opens up a lot of possibilities software design always
possibilities software design always
possibilities software design always starts with a goal what do we use money
starts with a goal what do we use money
starts with a goal what do we use money for exchanging value now some of you
for exchanging value now some of you
for exchanging value now some of you will be thinking saving for a rainy day
will be thinking saving for a rainy day
will be thinking saving for a rainy day true but you’ll want to trade it in for
true but you’ll want to trade it in for
true but you’ll want to trade it in for something else eventually having the
something else eventually having the
something else eventually having the money has no value in itself for no one
money has no value in itself for no one
money has no value in itself for no one is willing to give you something for it
is willing to give you something for it
is willing to give you something for it just try buy a coffee with an unknown
just try buy a coffee with an unknown
just try buy a coffee with an unknown foreign currency and you’ll see what I
foreign currency and you’ll see what I
foreign currency and you’ll see what I mean it’s when money exchanges hands
mean it’s when money exchanges hands
mean it’s when money exchanges hands when it moves that valley is created so
when it moves that valley is created so
when it moves that valley is created so basically we want to use money to
basically we want to use money to
basically we want to use money to exchange value now what if we could
exchange value now what if we could
exchange value now what if we could design the money app in such a way that
design the money app in such a way that
design the money app in such a way that we also get rid of poverty and the
we also get rid of poverty and the
we also get rid of poverty and the things like education health care and
things like education health care and
things like education health care and taking care of the environment don’t
taking care of the environment don’t
taking care of the environment don’t have budget problems anymore now would
have budget problems anymore now would
have budget problems anymore now would create a better world wouldn’t it this
create a better world wouldn’t it this
create a better world wouldn’t it this is easier than you think when you’re
is easier than you think when you’re
is easier than you think when you’re creating the money app since we choose
creating the money app since we choose
creating the money app since we choose how the app works we can just create
how the app works we can just create
how the app works we can just create money for the things we need we simply
money for the things we need we simply
money for the things we need we simply create money for education health care
create money for education health care
create money for education health care and the environment for everything that
and the environment for everything that
and the environment for everything that helps build a better society poverty can
helps build a better society poverty can
helps build a better society poverty can be solved by creating a steady income
be solved by creating a steady income
be solved by creating a steady income stream for every living person on the
stream for every living person on the
stream for every living person on the planet basic income without the
planet basic income without the
planet basic income without the financing problems all debt
financing problems all debt
financing problems all debt and yes we can do this because this is
and yes we can do this because this is
and yes we can do this because this is software and we are writing it we also
software and we are writing it we also
software and we are writing it we also have to destroy money continuously
have to destroy money continuously
have to destroy money continuously creating it will just make it lose its
creating it will just make it lose its
creating it will just make it lose its value and freak out every single
value and freak out every single
value and freak out every single economist on the planet
economist on the planet
economist on the planet they call it inflation it’s an easy
they call it inflation it’s an easy
they call it inflation it’s an easy problem to solve their excessive
problem to solve their excessive
problem to solve their excessive hoarding creates a rampant inequality we
hoarding creates a rampant inequality we
hoarding creates a rampant inequality we can witness today if we tackle that by
can witness today if we tackle that by
can witness today if we tackle that by implementing attacks on money hoarding
implementing attacks on money hoarding
implementing attacks on money hoarding and we destroy the money collected from
and we destroy the money collected from
and we destroy the money collected from that tax we don’t only take care of
that tax we don’t only take care of
that tax we don’t only take care of inflation we also get rid of extreme
inflation we also get rid of extreme
inflation we also get rid of extreme inequality now that means there is a
inequality now that means there is a
inequality now that means there is a limit to what you can hold on to but
limit to what you can hold on to but
limit to what you can hold on to but remember the security of savings has now
remember the security of savings has now
remember the security of savings has now been replaced by the security of a
been replaced by the security of a
been replaced by the security of a never-ending income stream currently
never-ending income stream currently
never-ending income stream currently even in Belgium where I’m from and which
even in Belgium where I’m from and which
even in Belgium where I’m from and which is a rich country where all means almost
is a rich country where all means almost
is a rich country where all means almost a quarter of the population is
a quarter of the population is
a quarter of the population is struggling to make ends meet
struggling to make ends meet
struggling to make ends meet I believe we can create an economy where
I believe we can create an economy where
I believe we can create an economy where everyone can thrive so do the people I
everyone can thrive so do the people I
everyone can thrive so do the people I work with we have dubbed it hapana me
reprogramming our monetary system just
reprogramming our monetary system just might be the fastest way to create a
might be the fastest way to create a
might be the fastest way to create a fairer happier world a world where we
fairer happier world a world where we
fairer happier world a world where we can move from making a living to having
can move from making a living to having
can move from making a living to having your life the monetary system
your life the monetary system
your life the monetary system I just described and which I have named
I just described and which I have named
I just described and which I have named see me make sure no one ever has to work
see me make sure no one ever has to work
see me make sure no one ever has to work has to worry about making ends meet
has to worry about making ends meet
has to worry about making ends meet everything that is needed to build a
everything that is needed to build a
everything that is needed to build a well-functioning society will always
well-functioning society will always
well-functioning society will always have adequate funding and businesses
have adequate funding and businesses
have adequate funding and businesses sittin on sittin on stashes of cash
sittin on sittin on stashes of cash
sittin on sittin on stashes of cash will have an incentive to invest it
will have an incentive to invest it
will have an incentive to invest it because of the hoarding tax that same
because of the hoarding tax that same
because of the hoarding tax that same hoarding tax make sure money moves there
hoarding tax make sure money moves there
hoarding tax make sure money moves there by guaranteeing a working economy and
by guaranteeing a working economy and
by guaranteeing a working economy and increasing accessibility to money for
increasing accessibility to money for
increasing accessibility to money for everyone
everyone
everyone accessibility for the poor for budding
accessibility for the poor for budding
accessibility for the poor for budding entrepreneurs for research for the
entrepreneurs for research for the
entrepreneurs for research for the environment for artists the list
environment for artists the list
environment for artists the list goes on I want to live in a fair world a
goes on I want to live in a fair world a
goes on I want to live in a fair world a world where everyone has a fair chance
world where everyone has a fair chance
world where everyone has a fair chance to thrive no matter where they are born
to thrive no matter where they are born
to thrive no matter where they are born the way our money is designed today
the way our money is designed today
the way our money is designed today stands in the way of that it should and
stands in the way of that it should and
stands in the way of that it should and can support our well-being instead of
can support our well-being instead of
can support our well-being instead of hindering it all we have to do is write
hindering it all we have to do is write
hindering it all we have to do is write a software and run the program it is
a software and run the program it is
a software and run the program it is that easy what do we really want to keep
that easy what do we really want to keep
that easy what do we really want to keep running the planet and badly designed
running the planet and badly designed
running the planet and badly designed software now I know there will be those
software now I know there will be those
software now I know there will be those who say it cannot be done there were
who say it cannot be done there were
who say it cannot be done there were also people who said man would never fly
also people who said man would never fly
also people who said man would never fly or that woman’s voting rights were a
or that woman’s voting rights were a
or that woman’s voting rights were a pipe dream or that people of color would
pipe dream or that people of color would
pipe dream or that people of color would never sit in the same section of the bus
never sit in the same section of the bus
never sit in the same section of the bus as white people too let alone become
as white people too let alone become
as white people too let alone become president of the United States history
president of the United States history
president of the United States history as shown the impossible does happen we
as shown the impossible does happen we
as shown the impossible does happen we can make it happen again we can write a
can make it happen again we can write a
can make it happen again we can write a new money app when we unite there is no
new money app when we unite there is no
new money app when we unite there is no stopping us thank you
stopping us thank you
stopping us thank you [Applause]
”
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