As blockchain, AI, fintech, and data-driven solutions become integrated into more core systems and daily operations, businesses and governments will need to adapt quickly to remain competitive in the digital future.

1. How Businesses & Governments Can
Prosper with Fintech, Blockchain & AI
Dinis Guarda
CEO Founder ztudium - blocksdna - influencedna - intelligenthq.com, author, influencer

2. Working / collaborating / advising the likes of
About:
Dinis Guarda: author, CEO and founder
Advisor:

3. In our new digital data driven world
Blockchain + AI
are the new fire and electricity
why business and governments
have to use it?
@dinisguarda

4. 1. Digital transformation gave us blockchain and AI but the global
economy is not digitalized.
2. There is a lot of possibilities as the economy gets digitised -
blockchain and AI are the next stage
3. Blockchain and AI technology potential to benefit ordinary citizens
4. Contextualise blockchain, AI - Businesses and Governments
5. Smart Contract technology with machine learning will become the
default setting for data, finance, payments, procurements, id and
supply chain;
6. Businesses + Governments will need to adapt and evolve fast;
7. Advanced economies & Emergent markets and blockchain and AI;
8. How Governments Can Prosper with Blockchain and AI Tech;
9. Risks and warranties;
10. What to do now? Conclusions
@dinisguarda
Intro

5. Digital transformation gave us blockchain + AI
But the global economy is not digitalised.
@dinisguarda
The Global economy is still in its early days of digital adoption.
A big part of the world economy is not still full digitalized.
Although citizens use mobile and smart phones technologies and devices most of government
infrastructures are still not using digital principles are are very fast from being digital transformed.
Across the world, digital technologies are disrupting industries, improving lives and propelling
progress.
A comprehensive digital strategy for example could add $1 trillion to ASEAN’s GDP over the next
decade.
Soaring flows of data and information now generate more economic value than the global goods
trade.
Blockchain and AI tech are the foundational technologies for this new digitized data driven
world!

6. Digital transformation - Open Data ecosystem @dinisguarda
BLOCKCHAIN
AI

7. Blockchain and artificial intelligence based solutions are changing the world as we known it
and have increasingly the potential to make government and citizens operations more scalable,
efficient and improve the delivery of public services, while simultaneously increasing transparency
systems and therefore trust in the public sector and government infrastructures.
In mature economies, proponents of government blockchain and artificial intelligence solutions are
working to provide solutions based in strong evidence that investments in these radical innovative
technologies will scale operations, improve efficiency of systems, save money and improve services
that are already “good enough” but lack discretionary trust around databases, data, and interactions.
In emerging markets, with the lack of infrastructure and somehow the fragility / immaturity of
certain essential public services, blockchain and artificial intelligence solutions will allow
governments to find faster solutions for development and leapfrog and move without legacy systems
ahead to help policymakers, decision makers and institutions achieve their best development aims.
Blockchain - AI - Introduction
Mature economies - emerging markets
@dinisguarda

8. Governments Money Technology Past Future
Why blockchain and AI become foundational tech
@dinisguarda
Blockchain and AI
tech become
foundational tech
Systems are
managed by
distributed ledgers
and machine
learning data self
learning algorithms
Digitisation and
data(ification) of
identity - society -
finance and
governmentsIdentity
Data as identity
Data ID

9. Digital transformation
= Blockchain + AI
@dinisguarda

10. @dinisguardaTech Digital Transformation today
blockchain AI
UI UX

11. WHY BLOCKCHAIN
@dinisguarda

12. The distributed ideas - myths behind
blockchain
ideology: decentralised
ledger tech
unplugging blocks -
bitcoin origins – mining
smart contract
machine learning dna
ledger full scale
identity
decentralised /
distributed database(s)
cryptoeconomics /
tokeneconomics
crypto / tokens - ICOs
- funding - trading
consensus
(un)breakable protocol
by @dinisguarda

13. Blockchain-based solutions have the potential to make government operations more
efficient and improve the delivery of public services, while simultaneously increasing trust in
the public sector.
In mature economies, proponents of government blockchain solutions must provide strong
evidence that such investments will save money and improve services that are already
“good enough.”
In emerging markets, the lack or immaturity of certain essential public services could allow
governments to leapfrog ahead to help policymakers achieve their aims. For both markets,
education and determining the right applications for the technology will be key to success.
Blockchain - solutions
Mature economies - emerging markets
@dinisguarda

14. @dinisguarda
Blockchain advantages

15. Governments
@dinisguarda
Fintech & Blockchain 360 degrees impact

16. @dinisguardaBlockchain proof of authority for businesses +
governments

17. Blockchain Governments and central banks
Overview source World Economic Forum
@dinisguarda

18. Blockchain and central banks
@dinisguarda
Garrick Hileman from the University of Cambridge: highlights that Central banks, are actively testing
blockchain technology for a variety of different use cases, everything from:
● new central bank digital currencies,
● new payment systems,
● to records management – having some kind of audit trail for certain functions and so on.
There’s actually a long list of things central banks are looking at blockchains to do.
There’s a number of advantages, potentially, to central banks by incorporating blockchains. Probably the
most significant is the resilience of the blockchain technology.
The fact that bitcoin has been operating for just about nine years now and has suffered not a
nanosecond of downtime is quite compelling, I mean, not very many large technology IT systems today
can claim the kind of uptime that bitcoin claims.

19. For central banks providing critical infrastructure – payment systems, thinking about maybe moving away
from physical cash to a completely electronic money-based system, having a technology that is resilient and
will have zero downtime is key.
Blockchain can be quite resilient, and it can also be a way to create greater transparency into central
banking, more credibility because of the rules a blockchain-based system enforces.
But there are a number of challenges too. There’s a concern around the lack of privacy, interestingly, of
blockchain technology. Bitcoin’s famous for offering high levels of privacy, but actually blockchains leak data,
leak information, it’s possible to figure out who’s doing what on a blockchain system because it’s a public
record.
So the lack of privacy could be a concern and a hesitation for central banks thinking about blockchain
technology.
Blockchain and central banks
- opportunities challenges
@dinisguarda

20. @dinisguardaBlockchain what it takes for sound governance
Summary

21. AI AND GOVERNMENTS

22. AI IS THE MOST
REVOLUTIONARY SOCIETY
AND TECH REVOLUTION IN
HISTORY - IT WILL CHANGE
THE FABRIC OF HUMANITY

23. Contextualising What is AI Starts with Data @dinisguarda
The world is more connected than ever, but the nature of its connections has changed in a
fundamental way and have shifted towards networks based on data flows and interactions.
The amount of cross-border bandwidth that is used has grown 45 times larger since 2005. It is projected
to increase by an additional nine times over the next five years as flows of information, searches,
communication, video, transactions, and intracompany traffic continue to surge.
In addition to transmitting valuable streams of information and ideas in their own right, data flows enable
the movement of goods, services, finance, and people. Virtually every type of cross-border transaction
now has a digital component.
The challenge and opportunity is how to manage this with best processes and apply to society,
businesses and governments that manage this will lead independent of how they are now.

24. @dinisguarda
Governments and AI strategy

25. 1. Use AI driven analytics to improve systems and data
2. With machine learning use data projections to better manage / predict the
(short-term) operations and future
3. Create a more sustainable Efficiency society system and health
ecosystem
4. Improve Safety and reliability with machine learning data and projections
5. Use AI as a tool to manage rapid transformation
6. Create a Learning pool of data that can improve systems, optimise and
automate it
@dinisguarda
Why Business & Governments Should Embrace AI

26. BLOCKCHAIN AND AI IN
EMERGING MARKETS

27. EMERGING MARKETS CAN USE FINTECH,
BLOCKCHAIN AND AI TO DRIVE THEIR ECONOMIES
FAST FORWARD, OPTIMISE THEIR SOCIETIES
LEAPFROG AND CREATE ECONOMY OF SCALE
@dinisguarda

28. @dinisguarda
The next stage of AI (and Blockchain) will be disruptive.
Earlier iterations of AI did not lead to any significant real-world applications. Now, pundits,
government officials, and scholars agree: AI will bring massive job loss, and drivers will be the poster
child.
Roughly 6% of all jobs in the United States will be lost to AI automation by 2021. Beyond driverless
vehicles, the next iteration of AI will transform entire professions and industries such as customer
service representatives and call centers. The 265bn calls placed each year – to the tune of $1.3trn –
will be handled by automated personal assistants as the first line of contact. This will devastate some
countries including the Philippines, where call centers employ 1.2m people and account for about 8%
of national income.
AI will be the most disruptive evolution scenario

29. Asia and Latin America have benefited from the technological advances of the past 100 years, with major
improvements in health, housing, and food security; however, the distribution of gains across nations has
been uneven.
As Ha-Joon Chang, a consultant to the World Bank, pointed out, all nations that have joined the club of
rich nations have also successfully industrialized, with national firms that can compete globally. This was
the case for Japan when Toyota, Honda, and Sony became household brands.
These national companies have been joined by Samsung and Hyundai of South Korea, and more
recently, China and India have grown a number of technology giants of their own.
@dinisguarda
Emerging markets, industrialization, and AI

30. Who owns the technology matters, and it seems likely that the major regions of Africa, Central Asia, and
most of Latin America may be left behind again. As one of the critical materials in all laptops, phones, and
mobile devices, lithium captures this tension perfectly. Almost 75% of lithium reserves are located in Latin
America and about 20% in China, yet without access to lithium we won’t be able to power the devices that
connect us to our AI future.
Less-developed countries and some emerging markets have the raw materials needed to fuel our brave
new world of AI, but they appear to lack the know-how to engineer their own AI development. As one of
the world’s leaders in AI research, China could upend this trend; and if it does, the AI revolution will be a
profound one for emerging markets. Such an outcome is not guaranteed, but its mere promise is a source
of hope for the next revolution in tech.
@dinisguarda
Who owns AI & Blockchain tech will lead

31. CONCLUSIONS

32. FINTECH, BLOCKCHAIN SMART CONTRACT TECH
WITH AI MACHINE LEARNING
=
THE DEFAULT SETTING FOR DATA SYSTEMS,
FINANCE, PAYMENTS, PROCUREMENT, SUPPLY
CHAIN, IDENTITY & ULTIMATELY EVERYTHING IN
SOCIETY - GOVERNMENT ORGANISATIONS.

33. @dinisguarda
As of now, the field of Fintech, Blockchain, AI research is dominated by big entities such as Google,
Amazon, Microsoft, IBM and China’s BAT trinity.
But governments from countries like China, Canada, US, UK, UAE, Singapore, South Korea and India
have already laid out a roadmap for AI research, adoption and application of AI based tools in the public
sector. In terms of research and adoption, Canada and China have grabbed headlines for
mainstreaming AI-based applications and pushing the bar in terms of investment in R&D.
How To Keep A Track Of These Applications In Public Sector
Over a period time, AI will spawn massive changes, transforming many public service sectors.
Numerous researches and studies have shown that it will also help in the creation of new jobs. Areas
such as precision farming, fishing and telemedicine, among others, will hugely benefit from deployment
of AI technologies.
How Business Governments can use Fintech, AI &
Blockchain

34. @dinisguarda
Here’s how one can keep a track of the numerous Fintech, blockchain, AI-based projects deployed in
the public sector:
● Deployment of these technologies should start small and cannot be scaled to the whole sector in
the initial stages.
● There should be a clear identification of the use case or problem statement to align the technology
with the goal.
● The Business / Government / institutions should build the necessary support framework — robust
data - open data - infrastructure.
● Leverage and prepare technical talent to support the implementation of these technologies
● Example of India that is in a position to leverage research and application and catch up with AI
leaders like China, US and Canada
● India has a thriving tech startup ecosystem, some that are involved in social entrepreneurship and
tackling India’s social woes. For example, the startup Fasal aims at tackling precision agriculture
with cognitive technologies.
● Governments that use these technologies and data will lead the global new wave and
How Business + Governments Across The
World Can use Fintech, AI and Blockchain

35. BLOCKCHAIN AND AI ARE LEADING
SOCIETY & CREATE NEW OPPORTUNITIES
FASTER THAN EVER IN HISTORY!
BUSINESSES AND GOVERNMENTS HAVE
TO BE PREPARED!
NOW!
@dinisguarda

36. Working / collaborating / advising the likes of
About:
Dinis Guarda: author, CEO and founder
Advisor: