hi everyone thanks for having me today we’re actually talking about fin time
we’re actually talking about fin time
we’re actually talking about fin time reinventing the wheel and let about
reinventing the wheel and let about
reinventing the wheel and let about wheel then why is my topic having the
wheel then why is my topic having the
wheel then why is my topic having the word wheel the oldest known wheel was
word wheel the oldest known wheel was
word wheel the oldest known wheel was from Mesopotamia which was in three
from Mesopotamia which was in three
from Mesopotamia which was in three thousand fire at BC so that was like
thousand fire at BC so that was like
thousand fire at BC so that was like three thousand five hundred plus twenty
three thousand five hundred plus twenty
three thousand five hundred plus twenty seventeen and that is like five five one
seventeen and that is like five five one
seventeen and that is like five five one seven years ago and along the way many
seven years ago and along the way many
seven years ago and along the way many people try it creating with dillonvale
people try it creating with dillonvale
people try it creating with dillonvale and a lot of patterning it as well the
and a lot of patterning it as well the
and a lot of patterning it as well the right of the creation of wheel and that
right of the creation of wheel and that
right of the creation of wheel and that led to a lot of things happening along
led to a lot of things happening along
led to a lot of things happening along the way so the dire need to invent
the way so the dire need to invent
the way so the dire need to invent reinvent and keep inventing like the new
reinvent and keep inventing like the new
reinvent and keep inventing like the new multi tires which we all use on our
multi tires which we all use on our
multi tires which we all use on our vehicles the cars and used a so thanks
vehicles the cars and used a so thanks
vehicles the cars and used a so thanks to this bunch of resilient invest
to this bunch of resilient invest
to this bunch of resilient invest inventors they take on inventing made
inventors they take on inventing made
inventors they take on inventing made our lives easier so we use the cars and
our lives easier so we use the cars and
our lives easier so we use the cars and that made our lives easier from one
that made our lives easier from one
that made our lives easier from one point to the other so the wheel that’s a
point to the other so the wheel that’s a
point to the other so the wheel that’s a story but let’s pause a bit from talking
story but let’s pause a bit from talking
story but let’s pause a bit from talking about wheel and I’m gonna share a bit
about wheel and I’m gonna share a bit
about wheel and I’m gonna share a bit about myself so I like to eat sushi
about myself so I like to eat sushi
about myself so I like to eat sushi Salman nasi lemak avocado obviously not
Salman nasi lemak avocado obviously not
Salman nasi lemak avocado obviously not everything at the same time I love
everything at the same time I love
everything at the same time I love watching sci-fi action in time Elysium
watching sci-fi action in time Elysium
watching sci-fi action in time Elysium who can forget fringe the series and
who can forget fringe the series and
who can forget fringe the series and also inception I love to dance
also inception I love to dance
also inception I love to dance those who wanna dance you can let me
those who wanna dance you can let me
those who wanna dance you can let me know later and I love to game our
know later and I love to game our
know later and I love to game our brothers but how many in this room can
brothers but how many in this room can
brothers but how many in this room can say that I love my bank how many of you
say that I love my bank how many of you
say that I love my bank how many of you can say I love my credit card I love my
can say I love my credit card I love my
can say I love my credit card I love my interest loan I love hanging out at a
interest loan I love hanging out at a
interest loan I love hanging out at a bank right I don’t think many of us can
bank right I don’t think many of us can
bank right I don’t think many of us can say that so so where does that leave us
say that so so where does that leave us
say that so so where does that leave us but I am very fortunate right now that
but I am very fortunate right now that
but I am very fortunate right now that I’m actually in this exciting wolf
I’m actually in this exciting wolf
I’m actually in this exciting wolf called FinTech so what is spin time
called FinTech so what is spin time
called FinTech so what is spin time FinTech is where the term technology and
FinTech is where the term technology and
FinTech is where the term technology and finance are married together or you can
finance are married together or you can
finance are married together or you can actually think I’m nother way some of
actually think I’m nother way some of
actually think I’m nother way some of you may have you have this type in which
you may have you have this type in which
you may have you have this type in which is the other way around technology
is the other way around technology
is the other way around technology cultures and then finance so fill that
cultures and then finance so fill that
cultures and then finance so fill that comes from an angle of improvising and
comes from an angle of improvising and
comes from an angle of improvising and innovation from the finance and go where
innovation from the finance and go where
innovation from the finance and go where I know your banks they launched a mobile
I know your banks they launched a mobile
I know your banks they launched a mobile wallet or some products like CNB they
wallet or some products like CNB they
wallet or some products like CNB they launched ever right
launched ever right
launched ever right some of you may use CMB they launched a
some of you may use CMB they launched a
some of you may use CMB they launched a bar which is called your virtual
bar which is called your virtual
bar which is called your virtual personal assistant what about tech fin
personal assistant what about tech fin
personal assistant what about tech fin tech fitness technology companies and
tech fitness technology companies and
tech fitness technology companies and platforms they use and launch financial
platforms they use and launch financial
platforms they use and launch financial services so when you grab an uber
services so when you grab an uber
services so when you grab an uber especially grab they actually launched
especially grab they actually launched
especially grab they actually launched granted some of you may actually went
granted some of you may actually went
granted some of you may actually went abroad and use Apple pay Samsung pay all
abroad and use Apple pay Samsung pay all
abroad and use Apple pay Samsung pay all this they’re actually not from the
this they’re actually not from the
this they’re actually not from the financial industry but providing extra
financial industry but providing extra
financial industry but providing extra services to their users and customers
services to their users and customers
services to their users and customers and where are we right now where are we
and where are we right now where are we
and where are we right now where are we heading to infant AG we are at the era
heading to infant AG we are at the era
heading to infant AG we are at the era where we are recreating the wheel of
where we are recreating the wheel of
where we are recreating the wheel of financial services the first mobile only
financial services the first mobile only
financial services the first mobile only and digital Bank is called fedora and
and digital Bank is called fedora and
and digital Bank is called fedora and fedora was launched in 2009 and we’re
fedora was launched in 2009 and we’re
fedora was launched in 2009 and we’re what 2017 right Sophie Dahl was launched
what 2017 right Sophie Dahl was launched
what 2017 right Sophie Dahl was launched in 2009 in Germany and it’s very
in 2009 in Germany and it’s very
in 2009 in Germany and it’s very interesting they have no physical brunch
interesting they have no physical brunch
interesting they have no physical brunch you don’t actually walk to a bank all
you don’t actually walk to a bank all
you don’t actually walk to a bank all the key banking processes are completed
the key banking processes are completed
the key banking processes are completed within 60 seconds and they embrace open
within 60 seconds and they embrace open
within 60 seconds and they embrace open banking API for those who know what API
banking API for those who know what API
banking API for those who know what API is that is thread 2009 in 2016 last year
is that is thread 2009 in 2016 last year
is that is thread 2009 in 2016 last year they actually got sold off and bought
they actually got sold off and bought
they actually got sold off and bought over by a French banking group can’t be
over by a French banking group can’t be
over by a French banking group can’t be be pce and what are all these digital
be pce and what are all these digital
be pce and what are all these digital bank doing like what what is it so fun
bank doing like what what is it so fun
bank doing like what what is it so fun about self
about self
about self you actually create a background without
you actually create a background without
you actually create a background without going to the back we just do it from a
going to the back we just do it from a
going to the back we just do it from a mobile phone home doing grocery shopping
mobile phone home doing grocery shopping
mobile phone home doing grocery shopping and what are these some filter companies
and what are these some filter companies
and what are these some filter companies and digital banks do is they actually
and digital banks do is they actually
and digital banks do is they actually use I rescan you just use your phone and
use I rescan you just use your phone and
use I rescan you just use your phone and if your IRIScan facial-recognition
if your IRIScan facial-recognition
if your IRIScan facial-recognition uploading your online documents and they
uploading your online documents and they
uploading your online documents and they go your bank account will be open right
go your bank account will be open right
go your bank account will be open right so these are all the interesting things
so these are all the interesting things
so these are all the interesting things some of some of the friends that I know
some of some of the friends that I know
some of some of the friends that I know they actually do a live recording and
they actually do a live recording and
they actually do a live recording and then what they do is they have to wave
then what they do is they have to wave
then what they do is they have to wave and show their utility bills to show
and show their utility bills to show
and show their utility bills to show that I I uploaded my address and I
that I I uploaded my address and I
that I I uploaded my address and I actually living in the address that I
actually living in the address that I
actually living in the address that I showed that was quite interesting and
showed that was quite interesting and
showed that was quite interesting and here she shared with me and I was like
here she shared with me and I was like
here she shared with me and I was like wow these are very very interesting
wow these are very very interesting
wow these are very very interesting stuff you do not even need to go to a
stuff you do not even need to go to a
stuff you do not even need to go to a physical branch anymore and that is a
physical branch anymore and that is a
physical branch anymore and that is a reality that we can see so what does
reality that we can see so what does
reality that we can see so what does this mean to you and me what it’s all
this mean to you and me what it’s all
this mean to you and me what it’s all this fit type how will it impact my life
this fit type how will it impact my life
this fit type how will it impact my life and your life and how can I be part of
and your life and how can I be part of
and your life and how can I be part of the filter ecosystem so that’s what we
the filter ecosystem so that’s what we
the filter ecosystem so that’s what we are talking about today if we look at
are talking about today if we look at
are talking about today if we look at some of the things that are happening
some of the things that are happening
some of the things that are happening and in the FinTech realm we are at the
and in the FinTech realm we are at the
and in the FinTech realm we are at the brink of creation of the financial
brink of creation of the financial
brink of creation of the financial services and if you talk about building
services and if you talk about building
services and if you talk about building filter ecosystem
filter ecosystem
filter ecosystem what what does it really all me how can
what what does it really all me how can
what what does it really all me how can people are you and me I’m not from the
people are you and me I’m not from the
people are you and me I’m not from the finance wall even though I’m doing field
finance wall even though I’m doing field
finance wall even though I’m doing field time I came from a law background it
time I came from a law background it
time I came from a law background it doesn’t mean that you have to be in a
doesn’t mean that you have to be in a
doesn’t mean that you have to be in a finance war type wall to actually be
finance war type wall to actually be
finance war type wall to actually be part of the entire ecosystem so that’s
part of the entire ecosystem so that’s
part of the entire ecosystem so that’s one the other part is we need to
one the other part is we need to
one the other part is we need to understand that it’s all about sharing
understand that it’s all about sharing
understand that it’s all about sharing knowledge and about open collaboration
knowledge and about open collaboration
knowledge and about open collaboration that is the common language that we are
that is the common language that we are
that is the common language that we are all going to have when we create a
all going to have when we create a
all going to have when we create a filter ecosystem together it doesn’t
filter ecosystem together it doesn’t
filter ecosystem together it doesn’t mean it’s the bank creating oh yeah some
mean it’s the bank creating oh yeah some
mean it’s the bank creating oh yeah some of the bankers are doing or the
of the bankers are doing or the
of the bankers are doing or the regulator’s are doing it actually takes
regulator’s are doing it actually takes
regulator’s are doing it actually takes every one of us because in the end will
every one of us because in the end will
every one of us because in the end will be users to fin tank or type in what I
be users to fin tank or type in what I
be users to fin tank or type in what I matter and it doesn’t matter what role
matter and it doesn’t matter what role
matter and it doesn’t matter what role you are playing as well doesn’t matter
you are playing as well doesn’t matter
you are playing as well doesn’t matter your developer student/teacher we all
your developer student/teacher we all
your developer student/teacher we all have a part in this and what I’m trying
have a part in this and what I’m trying
have a part in this and what I’m trying to say is we all do not need to be a
to say is we all do not need to be a
to say is we all do not need to be a tight developer the next day that’s not
tight developer the next day that’s not
tight developer the next day that’s not what I’m trying I’m trying to say that
what I’m trying I’m trying to say that
what I’m trying I’m trying to say that we need to embrace that this is a tech
we need to embrace that this is a tech
we need to embrace that this is a tech era what does it mean so we project like
era what does it mean so we project like
era what does it mean so we project like SpaceX I’m not sure some of you do you
SpaceX I’m not sure some of you do you
SpaceX I’m not sure some of you do you know about SpaceX Elon Musk is aiming to
know about SpaceX Elon Musk is aiming to
know about SpaceX Elon Musk is aiming to actually build a 1 million people
actually build a 1 million people
actually build a 1 million people marshall city it means building
marshall city it means building
marshall city it means building something in Mars and we’re all living
something in Mars and we’re all living
something in Mars and we’re all living there well with an era where we actually
there well with an era where we actually
there well with an era where we actually jump in a stranger’s car and we believe
jump in a stranger’s car and we believe
jump in a stranger’s car and we believe that attack and that will bring us
that attack and that will bring us
that attack and that will bring us safely to one point to the other
safely to one point to the other
safely to one point to the other we finally announced to the whole world
we finally announced to the whole world
we finally announced to the whole world about our personal life story we share
about our personal life story we share
about our personal life story we share out saddest moment and happiest moments
out saddest moment and happiest moments
out saddest moment and happiest moments online to everyone
online to everyone
online to everyone education is democratize where everyone
education is democratize where everyone
education is democratize where everyone from any student from any Asian
from any student from any Asian
from any student from any Asian background going to Han economy for
background going to Han economy for
background going to Han economy for example can just learn anything online
example can just learn anything online
example can just learn anything online so where does that leave us when we
so where does that leave us when we
so where does that leave us when we embrace technology in our lifestyle so
embrace technology in our lifestyle so
embrace technology in our lifestyle so yeah this is the Maersk sorry and we’ll
yeah this is the Maersk sorry and we’ll
yeah this is the Maersk sorry and we’ll be embrace technology in our lifestyle
be embrace technology in our lifestyle
be embrace technology in our lifestyle and we allow tech fin and filter into
and we allow tech fin and filter into
and we allow tech fin and filter into our lifestyle it enables fintan caffeine
our lifestyle it enables fintan caffeine
our lifestyle it enables fintan caffeine to actually make it better for us the
to actually make it better for us the
to actually make it better for us the financials of services will be more
financials of services will be more
financials of services will be more beneficial transparent easier to
beneficial transparent easier to
beneficial transparent easier to understand and we all can can benefit
understand and we all can can benefit
understand and we all can can benefit from that Grady and what’s next what’s
from that Grady and what’s next what’s
from that Grady and what’s next what’s next in this what would technology help
next in this what would technology help
next in this what would technology help us
so I’ll be speaking about all these
so I’ll be speaking about all these positive things what about the dark side
positive things what about the dark side
positive things what about the dark side people always ask me oh don’t change
people always ask me oh don’t change
people always ask me oh don’t change this and that so we’re gonna talk a bit
this and that so we’re gonna talk a bit
this and that so we’re gonna talk a bit we’re gonna flip to the dark side so
we’re gonna flip to the dark side so
we’re gonna flip to the dark side so technology itself actually essentially
technology itself actually essentially
technology itself actually essentially it’s just a tool to be utilized it is
it’s just a tool to be utilized it is
it’s just a tool to be utilized it is not evil it does not create fraud it
not evil it does not create fraud it
not evil it does not create fraud it does not motivate you to do something
does not motivate you to do something
does not motivate you to do something bad
bad
bad essentially it is a tool right and it’s
essentially it is a tool right and it’s
essentially it is a tool right and it’s very similar to cash cash itself it’s a
very similar to cash cash itself it’s a
very similar to cash cash itself it’s a tool it’s only that you either use it to
tool it’s only that you either use it to
tool it’s only that you either use it to donate to someone or you some some of
donate to someone or you some some of
donate to someone or you some some of them they exchanged hands with cash and
them they exchanged hands with cash and
them they exchanged hands with cash and they do it for illegal activities
they do it for illegal activities
they do it for illegal activities so essentially cash it’s like a tool so
so essentially cash it’s like a tool so
so essentially cash it’s like a tool so if you think about it right if we talk
if you think about it right if we talk
if you think about it right if we talk about example technology of blockchain
about example technology of blockchain
about example technology of blockchain I’m sure some a lot of you have actually
I’m sure some a lot of you have actually
I’m sure some a lot of you have actually heard about the word blockchain or the
heard about the word blockchain or the
heard about the word blockchain or the other one is called distributed ledger
other one is called distributed ledger
other one is called distributed ledger technology DLT essentially blockchain is
technology DLT essentially blockchain is
technology DLT essentially blockchain is a technology you can I use it for
a technology you can I use it for
a technology you can I use it for positive or negative side the negative
positive or negative side the negative
positive or negative side the negative side is again if you’re you may be
side is again if you’re you may be
side is again if you’re you may be familiar with this it’s called the dark
familiar with this it’s called the dark
familiar with this it’s called the dark web so you need to actually have a few
web so you need to actually have a few
web so you need to actually have a few protocols and steps to actually enter
protocols and steps to actually enter
protocols and steps to actually enter the dot web and then you use blockchain
the dot web and then you use blockchain
the dot web and then you use blockchain technology to actually do illegal
technology to actually do illegal
technology to actually do illegal activities so this is the dark side of
activities so this is the dark side of
activities so this is the dark side of it but the politics side is the whole
it but the politics side is the whole
it but the politics side is the whole wall is pouring money into improvising
wall is pouring money into improvising
wall is pouring money into improvising the technology and understanding a proof
the technology and understanding a proof
the technology and understanding a proof of concept so the non-financial example
of concept so the non-financial example
of concept so the non-financial example is blocking projects are actually live
is blocking projects are actually live
is blocking projects are actually live right now they are testing about things
right now they are testing about things
right now they are testing about things like food traceability weather to ensure
like food traceability weather to ensure
like food traceability weather to ensure we is it really halal food the other
we is it really halal food the other
we is it really halal food the other side is we can use it for trade
side is we can use it for trade
side is we can use it for trade financing so blockchain projects is
financing so blockchain projects is
financing so blockchain projects is actually our technology so it can be
actually our technology so it can be
actually our technology so it can be either used in the positive or negative
either used in the positive or negative
either used in the positive or negative side
and this is what we are here for all of
and this is what we are here for all of us will be going through this question
us will be going through this question
us will be going through this question and this is an essential question that
and this is an essential question that
and this is an essential question that we all need to embrace will technology
we all need to embrace will technology
we all need to embrace will technology replace the jobs in banking finance
replace the jobs in banking finance
replace the jobs in banking finance industry that is very different compared
industry that is very different compared
industry that is very different compared to when I study and when you guys study
to when I study and when you guys study
to when I study and when you guys study when your parents are and when I started
when your parents are and when I started
when your parents are and when I started so when we talk about this we need to
so when we talk about this we need to
so when we talk about this we need to remember that we’re in a fourth
remember that we’re in a fourth
remember that we’re in a fourth Industrial Revolution where technology
Industrial Revolution where technology
Industrial Revolution where technology plays a very vital part in our life in
plays a very vital part in our life in
plays a very vital part in our life in the economy and the wall we need to
the economy and the wall we need to
the economy and the wall we need to embrace that this is a type error this
embrace that this is a type error this
embrace that this is a type error this is very different compared to when our
is very different compared to when our
is very different compared to when our parents studied get a job got a roof
parents studied get a job got a roof
parents studied get a job got a roof over our head it is very different for
over our head it is very different for
over our head it is very different for all of us here as well whether you’re
all of us here as well whether you’re
all of us here as well whether you’re studying your teaching whether you’re at
studying your teaching whether you’re at
studying your teaching whether you’re at looking whether you’re actually doing
looking whether you’re actually doing
looking whether you’re actually doing businesses it’s a very different wall
businesses it’s a very different wall
businesses it’s a very different wall because the wall is changing very
because the wall is changing very
because the wall is changing very rapidly technology si señor will be
rapidly technology si señor will be
rapidly technology si señor will be rapidly changing it’s very different
rapidly changing it’s very different
rapidly changing it’s very different from last time so when we embrace that
from last time so when we embrace that
from last time so when we embrace that we will understand that we need to come
we will understand that we need to come
we will understand that we need to come up with these three pointers that I
up with these three pointers that I
up with these three pointers that I think that it could summarize how we’re
think that it could summarize how we’re
think that it could summarize how we’re going to navigate this era number one is
going to navigate this era number one is
going to navigate this era number one is we need to understand that
it is not that we’re gonna get me please
it is not that we’re gonna get me please that the jobs are gonna get me place
that the jobs are gonna get me place
that the jobs are gonna get me place that the job and demand skillset is very
that the job and demand skillset is very
that the job and demand skillset is very very different from previous time it
very different from previous time it
very different from previous time it means that it is gonna be rapidly
means that it is gonna be rapidly
means that it is gonna be rapidly changing in a higher velocity compared
changing in a higher velocity compared
changing in a higher velocity compared to last time that is point number one
to last time that is point number one
to last time that is point number one point number two is understanding
point number two is understanding
point number two is understanding technology is very very key because like
technology is very very key because like
technology is very very key because like it or not it’s gonna be intertwine with
it or not it’s gonna be intertwine with
it or not it’s gonna be intertwine with our lifestyle whatever you do I mean who
our lifestyle whatever you do I mean who
our lifestyle whatever you do I mean who here doesn’t have a phone right who here
here doesn’t have a phone right who here
here doesn’t have a phone right who here doesn’t have heard about Internet who
doesn’t have heard about Internet who
doesn’t have heard about Internet who here okay maybe some of you doesn’t have
here okay maybe some of you doesn’t have
here okay maybe some of you doesn’t have Facebook
Facebook but right and and all of us are using
but right and and all of us are using
but right and and all of us are using something to do it technology whether
something to do it technology whether
something to do it technology whether you like it or not so understanding
you like it or not so understanding
you like it or not so understanding technology is key it’s the same as like
technology is key it’s the same as like
technology is key it’s the same as like I don’t know I like to put a comparison
I don’t know I like to put a comparison
I don’t know I like to put a comparison bike bicycle and wheel without the wheel
bike bicycle and wheel without the wheel
bike bicycle and wheel without the wheel device cannot work oh maybe some of you
device cannot work oh maybe some of you
device cannot work oh maybe some of you want to put like kya and bread or fish
want to put like kya and bread or fish
want to put like kya and bread or fish and water it’s gonna hit like that
and water it’s gonna hit like that
and water it’s gonna hit like that so the more you embrace technology in
so the more you embrace technology in
so the more you embrace technology in your lifestyle you understand the
your lifestyle you understand the
your lifestyle you understand the experiences so things I it can be non
experiences so things I it can be non
experiences so things I it can be non finance could be green grass without
finance could be green grass without
finance could be green grass without without using cash it can be learning
without using cash it can be learning
without using cash it can be learning about Ruby on Rails cars just for a day
about Ruby on Rails cars just for a day
about Ruby on Rails cars just for a day right the third point is the most
right the third point is the most
right the third point is the most important one is being humble and
important one is being humble and
important one is being humble and humidity that pins your way of learning
humidity that pins your way of learning
humidity that pins your way of learning so things like coming to TEDx learning
so things like coming to TEDx learning
so things like coming to TEDx learning online speaking to people going to
online speaking to people going to
online speaking to people going to events asking all these questions so
events asking all these questions so
events asking all these questions so these are three pointers that would
these are three pointers that would
these are three pointers that would navigate our area to actually obscure
navigate our area to actually obscure
navigate our area to actually obscure and Reese kill ourselves this is a
and Reese kill ourselves this is a
and Reese kill ourselves this is a constant learning this is the era of
constant learning this is the era of
constant learning this is the era of learning right now right and these are
learning right now right and these are
learning right now right and these are three pointers I think that it’s not
three pointers I think that it’s not
three pointers I think that it’s not about that the jobs are being replaced
about that the jobs are being replaced
about that the jobs are being replaced it’s more like what are we going to take
it’s more like what are we going to take
it’s more like what are we going to take action for this how do we equip
action for this how do we equip
action for this how do we equip ourselves for this new era and not lose
ourselves for this new era and not lose
ourselves for this new era and not lose out of phased out and relying on the
out of phased out and relying on the
out of phased out and relying on the jobs that are being depleted right now
jobs that are being depleted right now
jobs that are being depleted right now so I understand that if you try opening
so I understand that if you try opening
so I understand that if you try opening your phone and and Google like
your phone and and Google like
your phone and and Google like and and things phyto like this i/o
and and things phyto like this i/o
and and things phyto like this i/o britain could lose 40,000 investment
britain could lose 40,000 investment
britain could lose 40,000 investment banking jobs in the brexit exodus these
banking jobs in the brexit exodus these
banking jobs in the brexit exodus these things are scary but if you take charge
things are scary but if you take charge
things are scary but if you take charge right now and then we can equip
right now and then we can equip
right now and then we can equip ourselves it’s a whole new game right so
ourselves it’s a whole new game right so
ourselves it’s a whole new game right so let’s let’s go back from these jobs and
let’s let’s go back from these jobs and
let’s let’s go back from these jobs and really think about how the future is
really think about how the future is
really think about how the future is fine
fine
fine let’s kind of sneak pick what’s gonna
let’s kind of sneak pick what’s gonna
let’s kind of sneak pick what’s gonna like what’s it’s gonna be like so if you
like what’s it’s gonna be like so if you
like what’s it’s gonna be like so if you close your eyes and can imagine how nice
close your eyes and can imagine how nice
close your eyes and can imagine how nice I just go and open a bank on and do
I just go and open a bank on and do
I just go and open a bank on and do everything at home or maybe I could be I
everything at home or maybe I could be I
everything at home or maybe I could be I know on the way to pick up some food
know on the way to pick up some food
know on the way to pick up some food right and I do everything online
right and I do everything online
right and I do everything online everything is from my mobile or device I
everything is from my mobile or device I
everything is from my mobile or device I do not need to go to the bank to go a
do not need to go to the bank to go a
do not need to go to the bank to go a cure for like three four or five hours
cure for like three four or five hours
cure for like three four or five hours this is one lifestyle the other
this is one lifestyle the other
this is one lifestyle the other lifestyle if you heard about
lifestyle if you heard about
lifestyle if you heard about crowdfunding crowdfunding is really
crowdfunding crowdfunding is really
crowdfunding crowdfunding is really licensed in Malaysia things like I
licensed in Malaysia things like I
licensed in Malaysia things like I actually can’t put my spot out there and
actually can’t put my spot out there and
actually can’t put my spot out there and I get funded by so many people right and
I get funded by so many people right and
I get funded by so many people right and this is the new way of getting
this is the new way of getting
this is the new way of getting investment startup another way is
investment startup another way is
investment startup another way is peer-to-peer financing also licensed in
peer-to-peer financing also licensed in
peer-to-peer financing also licensed in Malaysia already so what I do is one day
Malaysia already so what I do is one day
Malaysia already so what I do is one day maybe X like spare cash and I want to
maybe X like spare cash and I want to
maybe X like spare cash and I want to lend to these some people I can get
lend to these some people I can get
lend to these some people I can get interest so instead of a banking
interest so instead of a banking
interest so instead of a banking interest I’m getting interest and this
interest I’m getting interest and this
interest I’m getting interest and this like sign income for me another way that
like sign income for me another way that
like sign income for me another way that a newspaper is out right now in Malaysia
a newspaper is out right now in Malaysia
a newspaper is out right now in Malaysia as well it’s called a digital investment
as well it’s called a digital investment
as well it’s called a digital investment framework so we’re talking about Robo
framework so we’re talking about Robo
framework so we’re talking about Robo advisory we’re talking about let’s say I
advisory we’re talking about let’s say I
advisory we’re talking about let’s say I wanna invest in stock but I’m human I’m
wanna invest in stock but I’m human I’m
wanna invest in stock but I’m human I’m not like a robot or I can use artificial
not like a robot or I can use artificial
not like a robot or I can use artificial intelligence right so these solutions
intelligence right so these solutions
intelligence right so these solutions can actually track everything for me in
can actually track everything for me in
can actually track everything for me in a marker and it enables and crunch data
a marker and it enables and crunch data
a marker and it enables and crunch data for me for me to make my investment
for me for me to make my investment
for me for me to make my investment decisions so these are things that are
decisions so these are things that are
decisions so these are things that are actually happening around the wall
actually happening around the wall
actually happening around the wall it’s just that in Malaysia is just
it’s just that in Malaysia is just
it’s just that in Malaysia is just starting out and these are things that
starting out and these are things that
starting out and these are things that you know would that we come into
you know would that we come into
you know would that we come into Malaysia and Asia into our
Malaysia and Asia into our
Malaysia and Asia into our so the wall already so we’re talking
so the wall already so we’re talking
so the wall already so we’re talking about these things happening and filter
about these things happening and filter
about these things happening and filter and all that but what I’m trying to say
and all that but what I’m trying to say
and all that but what I’m trying to say is whether you’re a student or musician
is whether you’re a student or musician
is whether you’re a student or musician educator business owner investor lender
educator business owner investor lender
educator business owner investor lender whoever you are we can take shape and
whoever you are we can take shape and
whoever you are we can take shape and and collaborate together to shape the
and collaborate together to shape the
and collaborate together to shape the entire ecosystem and I want to borrow
entire ecosystem and I want to borrow
entire ecosystem and I want to borrow this quote that you know from from this
this quote that you know from from this
this quote that you know from from this is a change is brought about when
is a change is brought about when
is a change is brought about when ordinary people are you and me do
ordinary people are you and me do
ordinary people are you and me do extraordinary things
extraordinary things
extraordinary things thank you
”
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