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hmm yeah so I consider myself a dreamer
hmm yeah so I consider myself a dreamer because I like to challenge the hardest
because I like to challenge the hardest
because I like to challenge the hardest problems probably and so I encourage
problems probably and so I encourage
problems probably and so I encourage everybody to feel themselves this the
everybody to feel themselves this the
everybody to feel themselves this the same way and obviously there will be a
same way and obviously there will be a
same way and obviously there will be a lot of failures on the way but sometimes
lot of failures on the way but sometimes
lot of failures on the way but sometimes we will make it right the one problem
we will make it right the one problem
we will make it right the one problem that I’m trying to solve today is the
that I’m trying to solve today is the
that I’m trying to solve today is the fact that digital transformation is not
fact that digital transformation is not
fact that digital transformation is not only changing the way we actually behave
only changing the way we actually behave
only changing the way we actually behave the actually we use a little phone today
the actually we use a little phone today
the actually we use a little phone today that can do a lot more things that we
that can do a lot more things that we
that can do a lot more things that we could do like 10 years ago but it’s
could do like 10 years ago but it’s
could do like 10 years ago but it’s really radically changing the way we
really radically changing the way we
really radically changing the way we work and the way we live and for me the
work and the way we live and for me the
work and the way we live and for me the way we work is one of the most
way we work is one of the most
way we work is one of the most interesting problems that we have today
interesting problems that we have today
interesting problems that we have today because more and more I’ve been close to
because more and more I’ve been close to
because more and more I’ve been close to experiencing what is this new world
experiencing what is this new world
experiencing what is this new world called gig economy sometimes or
called gig economy sometimes or
called gig economy sometimes or self-employment and the fact that more
self-employment and the fact that more
self-employment and the fact that more and more people are looking into moving
and more people are looking into moving
and more people are looking into moving from this traditional way in which we
from this traditional way in which we
from this traditional way in which we used to work with a one-time full
used to work with a one-time full
used to work with a one-time full contract in the same company for your
contract in the same company for your
contract in the same company for your whole life into moving countries moving
whole life into moving countries moving
whole life into moving countries moving jobs and changing jobs and having the
jobs and changing jobs and having the
jobs and changing jobs and having the opportunity to feel free to select what
opportunity to feel free to select what
opportunity to feel free to select what kind of career you want to do the
kind of career you want to do the
kind of career you want to do the problem is that when this kind of thing
problem is that when this kind of thing
problem is that when this kind of thing is happening in a world that is not
is happening in a world that is not
is happening in a world that is not ready to take on this big challenge
ready to take on this big challenge
ready to take on this big challenge there’s a lot of people that feel
there’s a lot of people that feel
there’s a lot of people that feel excluded and left behind and one of the
excluded and left behind and one of the
excluded and left behind and one of the big sectors that is excluding these
big sectors that is excluding these
big sectors that is excluding these freelancers or self-employed is the
freelancers or self-employed is the
freelancers or self-employed is the financial industry let’s start by my
financial industry let’s start by my
financial industry let’s start by my career and by my life I’ve actually
career and by my life I’ve actually
career and by my life I’ve actually lived over three continents in ten
lived over three continents in ten
lived over three continents in ten cities and in the last eight years I’ve
cities and in the last eight years I’ve
cities and in the last eight years I’ve been working in startups mainly in a
been working in startups mainly in a
been working in startups mainly in a very risky job as you can imagine
very risky job as you can imagine
very risky job as you can imagine because you never know if the startup is
because you never know if the startup is
because you never know if the startup is going to be there the next day
going to be there the next day
going to be there the next day and actually over the last two years I
and actually over the last two years I
and actually over the last two years I decided to become a self-employed
decided to become a self-employed
decided to become a self-employed employee and so not have anymore a
employee and so not have anymore a
employee and so not have anymore a full-time contract I’ve changed more
full-time contract I’ve changed more
full-time contract I’ve changed more than six jobs after my MBA and I’m
than six jobs after my MBA and I’m
than six jobs after my MBA and I’m actually 33 years old and I’m a single
actually 33 years old and I’m a single
actually 33 years old and I’m a single woman which is something that generally
woman which is something that generally
woman which is something that generally in the world is considerate of finance
in the world is considerate of finance
in the world is considerate of finance it’s considered very scary
it’s considered very scary
it’s considered very scary so my profile
so my profile
so my profile for a financial banker is considered
for a financial banker is considered
for a financial banker is considered something that is out of the norm they
something that is out of the norm they
something that is out of the norm they can’t put it in a box because they are
can’t put it in a box because they are
can’t put it in a box because they are used to this kind of person where you
used to this kind of person where you
used to this kind of person where you kind of have one one you go to school
kind of have one one you go to school
kind of have one one you go to school you have one job all your life and then
you have one job all your life and then
you have one job all your life and then you save for your pension and this is
you save for your pension and this is
you save for your pension and this is the kind of box in which Finance has
the kind of box in which Finance has
the kind of box in which Finance has created products for and clearly when I
created products for and clearly when I
created products for and clearly when I look at the people I’m talking to I know
look at the people I’m talking to I know
look at the people I’m talking to I know a lot of you can identify with my kind
a lot of you can identify with my kind
a lot of you can identify with my kind of career my kind of like out of the box
of career my kind of like out of the box
of career my kind of like out of the box sort of numbers and this is why I want
sort of numbers and this is why I want
sort of numbers and this is why I want to show you a few numbers that show that
to show you a few numbers that show that
to show you a few numbers that show that I’m not alone there’s first hundred
I’m not alone there’s first hundred
I’m not alone there’s first hundred thousand graduates that have left Italy
thousand graduates that have left Italy
thousand graduates that have left Italy overall there’s about 24,000 that live
overall there’s about 24,000 that live
overall there’s about 24,000 that live that leave left in 2015 alone this mean
that leave left in 2015 alone this mean
that leave left in 2015 alone this mean it’s people that are deciding to leave
it’s people that are deciding to leave
it’s people that are deciding to leave their hometown and to try something new
their hometown and to try something new
their hometown and to try something new but what does this mean for the
but what does this mean for the
but what does this mean for the financial industries that you use your
financial industries that you use your
financial industries that you use your financial history because whenever you
financial history because whenever you
financial history because whenever you change country people kind of like wipe
change country people kind of like wipe
change country people kind of like wipe out everything you’ve had before and
out everything you’ve had before and
out everything you’ve had before and they see you as like a person with zero
they see you as like a person with zero
they see you as like a person with zero financial history people used to get
financial history people used to get
financial history people used to get married at 24 just in 1985 and now the
married at 24 just in 1985 and now the
married at 24 just in 1985 and now the average age of marriage is 2015 there’s
average age of marriage is 2015 there’s
average age of marriage is 2015 there’s less and less women who decide that
less and less women who decide that
less and less women who decide that marriage is the first thing they want to
marriage is the first thing they want to
marriage is the first thing they want to do and they are deciding to pursue a
do and they are deciding to pursue a
do and they are deciding to pursue a career first and so this is also
career first and so this is also
career first and so this is also changing the way a financial institution
changing the way a financial institution
changing the way a financial institution used to see like a couple as a
used to see like a couple as a
used to see like a couple as a financially reliable sort of family home
financially reliable sort of family home
financially reliable sort of family home and now they have to be get more and
and now they have to be get more and
and now they have to be get more and more used to single individuals there’s
more used to single individuals there’s
more used to single individuals there’s already 21.9% self-employed people in
already 21.9% self-employed people in
already 21.9% self-employed people in Italy and actually Italy is one of the
Italy and actually Italy is one of the
Italy and actually Italy is one of the highest countries in the world as a
highest countries in the world as a
highest countries in the world as a percentage of employment of
percentage of employment of
percentage of employment of self-employed already and I really
self-employed already and I really
self-employed already and I really believe this is a trend that is only
believe this is a trend that is only
believe this is a trend that is only going to get higher in just in the 1980s
going to get higher in just in the 1980s
going to get higher in just in the 1980s people used to change about 1.6 times
people used to change about 1.6 times
people used to change about 1.6 times jobs five years out of school and now
jobs five years out of school and now
jobs five years out of school and now this numbers already to 0.85 so my fix
this numbers already to 0.85 so my fix
this numbers already to 0.85 so my fix is quite high but I still think that
is quite high but I still think that
is quite high but I still think that it’s kind of getting there and why is
it’s kind of getting there and why is
it’s kind of getting there and why is all this important it’s because these
all this important it’s because these
all this important it’s because these are trends to show you that I am NOT
are trends to show you that I am NOT
are trends to show you that I am NOT alone and so I don’t feel that the
alone and so I don’t feel that the
alone and so I don’t feel that the problem that I
problem that I
problem that I see on myself is just for me I think
see on myself is just for me I think
see on myself is just for me I think it’s for all of us and I hope you can
it’s for all of us and I hope you can
it’s for all of us and I hope you can identify it with me on this the real
identify it with me on this the real
identify it with me on this the real important problem is that once financial
important problem is that once financial
important problem is that once financial institutions decide to exclude people
institutions decide to exclude people
institutions decide to exclude people from their from their environment then
from their from their environment then
from their from their environment then what happens is the country still lag
what happens is the country still lag
what happens is the country still lag behind on financial literacy finance is
behind on financial literacy finance is
behind on financial literacy finance is not taught in any school and it’s very
not taught in any school and it’s very
not taught in any school and it’s very strange that somebody has to make a
strange that somebody has to make a
strange that somebody has to make a decision about their financial life on
decision about their financial life on
decision about their financial life on their own and there is no like financial
their own and there is no like financial
their own and there is no like financial advisor that generally is willing to
advisor that generally is willing to
advisor that generally is willing to help because you don’t fit the box that
help because you don’t fit the box that
help because you don’t fit the box that they’re used to in terms of advice and
they’re used to in terms of advice and
they’re used to in terms of advice and therefore actually it’s really kind of
therefore actually it’s really kind of
therefore actually it’s really kind of not encouraging to see that Italy has
not encouraging to see that Italy has
not encouraging to see that Italy has one of the lowest financial literacy
one of the lowest financial literacy
one of the lowest financial literacy numbers of developed countries and in
numbers of developed countries and in
numbers of developed countries and in developing countries this is only what
developing countries this is only what
developing countries this is only what gets only worse and this gets this
gets only worse and this gets this
gets only worse and this gets this especially worse when you look at a
especially worse when you look at a
especially worse when you look at a certain type of population the younger
certain type of population the younger
certain type of population the younger the women and the self-employed so this
the women and the self-employed so this
the women and the self-employed so this is the kind of thing that for me needs
is the kind of thing that for me needs
is the kind of thing that for me needs to radically change how can we think
to radically change how can we think
to radically change how can we think about changing this well you know I
about changing this well you know I
about changing this well you know I tried to find a lot of solutions from
tried to find a lot of solutions from
tried to find a lot of solutions from reading what it was happening abroad and
reading what it was happening abroad and
reading what it was happening abroad and seeing actually what other policies are
seeing actually what other policies are
seeing actually what other policies are coming in place to take into into
coming in place to take into into
coming in place to take into into control let’s say what is happening in
control let’s say what is happening in
control let’s say what is happening in this phenomenon of new labor and it’s
this phenomenon of new labor and it’s
this phenomenon of new labor and it’s very hard to see people not tackling the
very hard to see people not tackling the
very hard to see people not tackling the problem like directly and saying okay
problem like directly and saying okay
problem like directly and saying okay we’re going to stop all the platforms
we’re going to stop all the platforms
we’re going to stop all the platforms that do gig economy workers because this
that do gig economy workers because this
that do gig economy workers because this is bad for jobs or we’re going to like
is bad for jobs or we’re going to like
is bad for jobs or we’re going to like try and it like make sure that people
try and it like make sure that people
try and it like make sure that people are not considered properly employed if
are not considered properly employed if
are not considered properly employed if they are not with a full-time contract
they are not with a full-time contract
they are not with a full-time contract and this we hear in the news all the
and this we hear in the news all the
and this we hear in the news all the time in Italy and it’s a shame because
time in Italy and it’s a shame because
time in Italy and it’s a shame because instead of solving the problem directly
instead of solving the problem directly
instead of solving the problem directly and going to impact the labor
and going to impact the labor
and going to impact the labor transformation I think that the real
transformation I think that the real
transformation I think that the real solution is to transform the environment
solution is to transform the environment
solution is to transform the environment around the workers because if they can
around the workers because if they can
around the workers because if they can have a proper financial system that is
have a proper financial system that is
have a proper financial system that is backing them then they can actually
backing them then they can actually
backing them then they can actually really survive and become proper
really survive and become proper
really survive and become proper entrepreneurs and proper small
entrepreneurs and proper small
entrepreneurs and proper small businesses and this is the real like
businesses and this is the real like
businesses and this is the real like challenge that I’m wanting to face me
challenge that I’m wanting to face me
challenge that I’m wanting to face me and my team of ten now decided to start
and my team of ten now decided to start
and my team of ten now decided to start a product called over money for now it’s
a product called over money for now it’s
a product called over money for now it’s just a simple app and it’s gonna become
just a simple app and it’s gonna become
just a simple app and it’s gonna become a bigger platform to bring financial in
a bigger platform to bring financial in
a bigger platform to bring financial in education in the phone of everybody so
education in the phone of everybody so
education in the phone of everybody so you don’t need to anymore go to the
you don’t need to anymore go to the
you don’t need to anymore go to the financial advisor or to your bank branch
financial advisor or to your bank branch
financial advisor or to your bank branch to feel that you have somebody that’s
to feel that you have somebody that’s
to feel that you have somebody that’s supporting you in your financial
supporting you in your financial
supporting you in your financial decisions the way that we do it is using
decisions the way that we do it is using
decisions the way that we do it is using a basic concept that it’s called
a basic concept that it’s called
a basic concept that it’s called collective intelligence and actually
collective intelligence and actually
collective intelligence and actually collective intelligence is something
collective intelligence is something
collective intelligence is something that has existed forever philosophers
that has existed forever philosophers
that has existed forever philosophers have talked about it a long time the big
have talked about it a long time the big
have talked about it a long time the big difference is that over the past few
difference is that over the past few
difference is that over the past few years and especially in the last ten
years and especially in the last ten
years and especially in the last ten years
years
years the ability of machines to process data
the ability of machines to process data
the ability of machines to process data has become exponentially better and so
has become exponentially better and so
has become exponentially better and so now we find ourselves in a world where
now we find ourselves in a world where
now we find ourselves in a world where data has become real currency and
data has become real currency and
data has become real currency and machines can process a lot of a lot of
machines can process a lot of a lot of
machines can process a lot of a lot of data and you could know it’s this whole
data and you could know it’s this whole
data and you could know it’s this whole new world of what is called artificial
new world of what is called artificial
new world of what is called artificial intelligence so using data and using
intelligence so using data and using
intelligence so using data and using algorithms to analyze this data
algorithms to analyze this data
algorithms to analyze this data collective intelligence is a small part
collective intelligence is a small part
collective intelligence is a small part subset of this artificial intelligence
subset of this artificial intelligence
subset of this artificial intelligence and it just means that in a world where
and it just means that in a world where
and it just means that in a world where not only we can collect data but we can
not only we can collect data but we can
not only we can collect data but we can collect the way people interact with
collect the way people interact with
collect the way people interact with each other online because there’s more
each other online because there’s more
each other online because there’s more and more social media more and more
and more social media more and more
and more social media more and more peer-to-peer sort of products that we
peer-to-peer sort of products that we
peer-to-peer sort of products that we can see a new pattern not just analyzing
can see a new pattern not just analyzing
can see a new pattern not just analyzing single data of people but actually and
single data of people but actually and
single data of people but actually and applying on top of it a layer of overall
applying on top of it a layer of overall
applying on top of it a layer of overall interaction between people by using
interaction between people by using
interaction between people by using these two solutions we can actually take
these two solutions we can actually take
these two solutions we can actually take this world of excluded let’s say
this world of excluded let’s say
this world of excluded let’s say excluded people from the financial world
excluded people from the financial world
excluded people from the financial world and making them more reliable why
and making them more reliable why
and making them more reliable why because we can track behavior we can
because we can track behavior we can
because we can track behavior we can show people how they’re behaving
show people how they’re behaving
show people how they’re behaving differently from their peers how they
differently from their peers how they
differently from their peers how they can improve their financial behavior how
can improve their financial behavior how
can improve their financial behavior how they can spend better how can they how
they can spend better how can they how
they can spend better how can they how they can learn to
they can learn to
they can learn to save and what products financial
save and what products financial
save and what products financial products they can actually select that
products they can actually select that
products they can actually select that will help them this in the decisions of
will help them this in the decisions of
will help them this in the decisions of for example putting away money for a
for example putting away money for a
for example putting away money for a home or for university of their kids or
home or for university of their kids or
home or for university of their kids or for a pension and by using this simple
for a pension and by using this simple
for a pension and by using this simple tool and it’s very powerful technology
tool and it’s very powerful technology
tool and it’s very powerful technology you can really put in the hands of
you can really put in the hands of
you can really put in the hands of everybody the power to make the
everybody the power to make the
everybody the power to make the decisions that they didn’t have before
decisions that they didn’t have before
decisions that they didn’t have before and I hope that with this by helping in
and I hope that with this by helping in
and I hope that with this by helping in a little bit with a small step to
a little bit with a small step to
a little bit with a small step to reshape the way finance sees this new
reshape the way finance sees this new
reshape the way finance sees this new world of self-employed workers that
world of self-employed workers that
world of self-employed workers that there will be again the ability for
there will be again the ability for
there will be again the ability for banks to see that giving capital and
banks to see that giving capital and
banks to see that giving capital and giving liquidity to this whole market
giving liquidity to this whole market
giving liquidity to this whole market will just improve the ability for these
will just improve the ability for these
will just improve the ability for these self-employed to become their own
self-employed to become their own
self-employed to become their own businesses in the end what is important
businesses in the end what is important
businesses in the end what is important for us is that obviously technology
for us is that obviously technology
for us is that obviously technology can’t happen on its own there’s a lot of
can’t happen on its own there’s a lot of
can’t happen on its own there’s a lot of that we can build but it always comes
that we can build but it always comes
that we can build but it always comes around to people we believe that what
around to people we believe that what
around to people we believe that what we’re trying to build is a community is
we’re trying to build is a community is
we’re trying to build is a community is a community that works together to
a community that works together to
a community that works together to create this kind of solution and that
create this kind of solution and that
create this kind of solution and that because it’s more mostly based on
because it’s more mostly based on
because it’s more mostly based on collective intelligence it’s mostly
collective intelligence it’s mostly
collective intelligence it’s mostly based on people and people interacting
based on people and people interacting
based on people and people interacting with each other and so even if it is
with each other and so even if it is
with each other and so even if it is online and it’s not always of offline
online and it’s not always of offline
online and it’s not always of offline and it’s not always offline offline is
and it’s not always offline offline is
and it’s not always offline offline is what we can start to build in terms of
what we can start to build in terms of
what we can start to build in terms of communities and therefore if we start to
communities and therefore if we start to
communities and therefore if we start to really try and find these kind of
really try and find these kind of
really try and find these kind of solutions that over but many others are
solutions that over but many others are
solutions that over but many others are going to bring on to see ways in which
going to bring on to see ways in which
going to bring on to see ways in which we can become financially reliable we
we can become financially reliable we
we can become financially reliable we can solve this problem of not feeling
can solve this problem of not feeling
can solve this problem of not feeling excluded just because we have a
excluded just because we have a
excluded just because we have a different job than what the society sort
different job than what the society sort
different job than what the society sort of told you that was the job you had to
of told you that was the job you had to
of told you that was the job you had to do and I want to leave you with a small
do and I want to leave you with a small
do and I want to leave you with a small consideration I and many of you by
consideration I and many of you by
consideration I and many of you by growing up in Italy
growing up in Italy
growing up in Italy you go to college we were still brought
you go to college we were still brought
you go to college we were still brought up in a place where it was like a few
up in a place where it was like a few
up in a place where it was like a few jobs that you could do and those were
jobs that you could do and those were
jobs that you could do and those were the right jobs to go and pursue
the right jobs to go and pursue
the right jobs to go and pursue when I decided to be an entrepreneur it
when I decided to be an entrepreneur it
when I decided to be an entrepreneur it was still seeing like a very crazy and
was still seeing like a very crazy and
was still seeing like a very crazy and very risky kind of decision and I was
very risky kind of decision and I was
very risky kind of decision and I was very lucky that I had a supported family
very lucky that I had a supported family
very lucky that I had a supported family but I didn’t always have society on my
but I didn’t always have society on my
but I didn’t always have society on my side and I sort of also had a career
side and I sort of also had a career
side and I sort of also had a career into a very complicated let’s say
into a very complicated let’s say
into a very complicated let’s say technological evolutions that were
technological evolutions that were
technological evolutions that were really trying to change certain markets
really trying to change certain markets
really trying to change certain markets and pushing the boundaries and therefore
and pushing the boundaries and therefore
and pushing the boundaries and therefore it was really struggling always to sort
it was really struggling always to sort
it was really struggling always to sort of push this barrier of like change and
of push this barrier of like change and
of push this barrier of like change and change I believe is one of the hardest
change I believe is one of the hardest
change I believe is one of the hardest things that people are able to do but if
things that people are able to do but if
things that people are able to do but if we can create that kind of environment
we can create that kind of environment
we can create that kind of environment to facilitate that change
to facilitate that change
to facilitate that change I really believe there’s gonna be more
I really believe there’s gonna be more
I really believe there’s gonna be more and more entrepreneurs that are going to
and more entrepreneurs that are going to
and more entrepreneurs that are going to grow the economy of our country and
grow the economy of our country and
grow the economy of our country and other countries in the world and it was
other countries in the world and it was
other countries in the world and it was going to be more like in an incredibly
going to be more like in an incredibly
going to be more like in an incredibly powerful environment for everybody so
powerful environment for everybody so
powerful environment for everybody so just to a note I don’t know if everybody
just to a note I don’t know if everybody
just to a note I don’t know if everybody knows but Italy is the place where
knows but Italy is the place where
knows but Italy is the place where banking was invented so banks were
banking was invented so banks were
banking was invented so banks were invented here and we can have the power
invented here and we can have the power
invented here and we can have the power to make sure that we decide how the
to make sure that we decide how the
to make sure that we decide how the banking industry changes from here thank
banking industry changes from here thank
banking industry changes from here thank you
[Music]
[Music] [Applause]
you
you [Music]
”
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