Future of Money and/or Value

If you’re interested in discounted tickets for one of the coolest Future of Money conferences of Q1 2011, bear with me and read till the end of this post.

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As most of you will remember, SWIFT’s innovation initiative “Innotribe” was one of the Executive Sponsors of Future of Money video production.

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The Future of Money from KS12 on Vimeo.

The video is in my opinion a milestone. Not only for it’s content and the way it was produced (co-funding), but the whole movement that followed.

It is only now that it became clear to me that the event – in this case Sibos – is not the end-point in a process, but the middle. The post-event discussions and dynamics are at least as important, if not more important. Just check-out for example the animated discussion on Chris Skinner’s blog in November 2010 on “Why banks and socials agree to disagree”.

“Social” – as in Social tools, Social Currencies and Social Capitalism – is in my opinion a very strong force to take into account in our long-term thinking about financial services. It is one of the suggested topics we have in mind for Innotribe at Sibos 2011.

  • I am preparing another blog post “The Long Direction” on this subject and some other deep understreams that are going to change fundamentally how we think about corporations, banks and economy and corporate culture in general.
  • With Innotribe will sponsor a new research on Social Cognition by Stowe Boyd, the most important Social Philosopher and Webthropologist at this moment.

The Future Of Money crew produced post-event the following interesting infographic. I love the sharpness and detail of their analysis. In one view, you see how Creation, Storage and Access of VALUE intersect and how these intersections are each interesting opportunities to be taken up by start-ups or modern capitalists. Some indeed have taken their chances already: see the bottom of the chart with a number of start-ups in this space.

I would like to emphasize that the intersections in the infographic do NOT talk about the Future of MONEY, but about the Future of VALUE. More about this as well in the upcoming “The Long Direction” post. At this stage it’s enough to point you to Umair Hague’s latest book “The New Capitalist Manifesto: Building a Disruptively Better Business” (AmazonAssociates Link).

But I divert… Here is the Future of Money infographic (you can also download a nice PDF version of this by clicking on the graph below).

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What an impressive list of start-ups and new contacts ! Indeed,  one of the biggest wins of our Innotribe initiative is the network of people we connect with.

This network is a very powerful force. Here is another example of this network-effect:

Given our work on Future of Money at Sibos, Mike Sigal  – Founder and CEO of Guidewire Group and part of our start-up judge panel at Sibos – introduced me recently to Brian Zisk, founder and organizer of the Future of Money and Technology conference in San-Francisco on 28 Feb 2011.

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When looking at the conference program and the list of confirmed speakers, I thought “Wow” and two days later I was on a confcall with Brian. Besides being the Executive Producer of this Future of Money & Technology conference, Brian Zisk is a serial entrepreneur and technology industry consultant specializing in digital media, web broadcasting and distribution technologies.

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Brian wanted us to speak about Innotribe and Future of Money at Sibos 2010, but unfortunately, given to some other commitments and plans, none of our team could make it to San Francisco on that day.

But we both quickly spotted the possible synergies – wouldn’t it be great to get a subset of these speakers to Sibos into the Innotribe stream for example – and we came to the following pragmatic agreement.

  • I was going to write a blog about his event, and in return my readers could get some discounted tickets for his show. And he would promote our Mumbai and Toronto events later that year. Yes, it can be that dead-easy. No strings attached, pragmatic. Piece of cake if you share the same passion. If you want such a discounted ticket, see the end of this post.
  • But we kept on talking… It suddenly crossed my mind that only 2 weeks later, SWIFT was organizing its SWIFT Operational Forum Americas on 8-9 March 2011 (SOFA). As we had an Innovation slot in the Special Session on day-2 of that event, why not ask Brian to come over and give a wrap-up of his conference ? Btw, watch this space on the Innotribe activities at SOFA: we are working on an impressive list of speakers for this Innovation Slot on 9 March 2011. Will be subject of another post.
  • And why not continue in this direction and see what we can do together for the first stand-alone Innotribe event in Mumbai, later this year on 1-2 June 2011 ? This event – hopefully a first in a long series, will be titled “Unpacked” and this Mumbai edition will focus on Mobile Payments. More on that later as well.
  • And then let the whole movement culminate to a climax at Sibos Toronto from 19-23 Sep 2011 ? I have a first meeting with the Sibos 2011 organizing committee in 2 weeks. Yes, we start early °-)

So how to get a discounted ticket for the Future of Money & Technology conference on 28 Feb 2011 in San-Francisco ?

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Digital Identity Tour Part-3: Personal Data “something”

This post is a third in a series on personal digital identity. Part-1 “The unpolished diamond was published here in August 2010 and Part-2 ‘The Digital Identity Tuner” was published here in September 2010.

Today’s post is not reporting about the tour we did in June 2010, but rather some reflections based on a number of serendipitous encounters during the last two months.

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I am a strong believer in serendipity or the power of encounters by accident and the resulting idea shifts that can be generated during such meeting of different expertise.

My first encounter was with Azeem Azhar, CEO of Peerindex.

One day I was at a conference, and one of the speakers asked the audience “I would like to know what sort of application you guys want me to built”. It was one of those conferences where folks twitter a lot during the sessions, and I posted a tweet saying: “I would like you to develop my Digital Identity Tuner”.

It got re-tweeted, and in the end got picked-up by Sean Park from Nauiokaspark (he was one of the Innotribe Leaders at Sibos Amsterdam, and he is also an investor in Peerindex), who introduced me to Azeem.

Peerindex helps you understand and benefit from your social and reputation capital online. How much is your online reputation worth ? PeerIndex is a web technology company that is algorithmically mapping out the social web.

The way we see it, the social web now allows everyone endless possibilities in discovering new information on people, places, and subjects. We believe that the traditional established authorities and experts – journalists, academics, are now joined by a range of interested and capable amateurs and professionals. As this locus of authority shifts, many new authorities emerge. PeerIndex wants to become the standard that identifies, ranks, and scores these authorities — and help them benefit from the social capital they have built up

Btw, my Peerindex is 60. That’s based on my digital footprint on Twitter, Facebook, LinkedIn, and my blogging activities. It is obvious to see that this number “60” may one day translate into some virtual social currency.

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There are similar services like this: Klout is well known. Same principle. Some trend toward social currency of your personal platform. It’s also obvious that this capital will become very important for recruiters to find the people who have real on-line influence and reputation.

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Like Peerindex, Klout also offers some more drill-down features, showing you influence “style” for example:

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As you start drilling down in these data, this starts to smell quite a lot like some of the zooming in/out ideas I elaborated on in “Digital Identity Tuner”.

Azeem and I will continue talking about this. What Azeem liked in the “Tuner” were the ideas of control of what pieces of my profile I want to share with whom in what context.

 

My dream is that we have a prototype/mockup

ready by Sibos Toronto in September 2011,

where we probably will have

an Innotribe theme on Digital Identity

My second encounter was with Phil Windley, CTO and Co-Founder of Kynetx

One day – it was a day after a conference has ended – I was going to have breakfast just before checking out from the hotel and flying back home. At the table next to me, I see a guy working on his PC. I see a big sticker “Kynetx” on the PC. I had heard the name of the company several times before, so I said “good morning” and quickly introduced myself. It happened to be Phil Windley.

 

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Kynetx is a private company that provides the first Context Automation Development Platform. This platform, powered by Kynetx Network Services (KNS), provides easy-to-use development tools to create context-sensitive, cross-platform apps that help build relationships between app owners and users.

I would describe it as

an event based integration engine

in the cloud

 

So we made contact, and once back home we arranged a Webex demo session.

Boy! What I saw really blew me away from my socks ! I saw a demo with a credit card vendor who used Kynetx to establish a new direct channel with the credit card holder, completely disintermediating the banks. I saw another demo with really very deep integration of DBS360 into Salesforce.com

I knew he had something to do with identity, and back home I found out that Phil Windley also co-founded and co-produces the Internet Identity Workshop with “identity woman” Kaliya & VRM-guru Doc Searls.

Phil has a great blog called Technometria

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He has a great perspective on the key differentiator between today’s social networks and Personal Data Ecosystem the emergence of the personal data store where individuals control their own data.

This is of course very relevant to our eMe winner project of Sibos 2009. As I mentioned already many times before, with hindsight the eMe premise of a single or even distributed Personal Data “Store” or “Locker” is flawed. On Windley’s blog I finally found a good discourse on why it is flowed.

Check out the following two posts:

Like always, there is nothing such convincing like a demo.

The video below shows a conceptual demo illustrating the opportunities that are available for automating the contextual activities that people undertake every day. At the heart of the demo is a personal data store and Kynetx. The interactions are all done using real Kynetx applications that are plumbed in a realistic manner. The scenario uses 5 different APIs and a dozen individual rulesets in the Kynetx system.

In the scenario, Scott Phillips gets bad news from his radiologist: he needs surgery. You’ll see that a personal data store and a collection of loosely coupled Kynetx apps automate the frustratingly disjointed activities associated with Scott’s bad news and focused his attention so he can complete the tasks with the least amount of effort.

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Kynetx and Personal Data Services from Phil Windley on Vimeo.

 

My third encounter was with nobody less than Esther Dyson.

She was talking at the last Defrag conference. She was doing a fantastic talk “On Exploration”. It was about “exploring yourself”, “discovering yourself”. With my Leading by Being background, I was super concentrated.

As part of her talk, she showed her personal DNA generated by 23andMe, one of the companies she is investing in.

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Btw, one of the other investors in 23andMe is Anne Wojcicki, who is married to Sergey Brin of Google. She has an active interest in health information, and together she and Brin are developing new ways to improve access to it. As part of their efforts, they have brainstormed with leading researchers about the human genome project. "Brin instinctively regards genetics as a database and computing problem. In a recent announcement at Google’s Zeitgeist conference, Sergey Brin said he hoped that some day everyone would learn their genetic code in order to help doctors, patients, and researchers analyze the data and try to repair bugs.

23andMe indeed offers a genetic testing service that provides information and tools to understand your DNA. With a simple saliva sample they’ll help you gain insight into your traits, from baldness to muscle performance. Discover risk factors for 92 diseases. Know your predicted response to drugs, from blood thinners to coffee. And uncover your ancestral origins. These days the promotional rate for such service is 99 USD !

Here is how it works:

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The system generates personalized reports on your health status, your disease carrier status, your disease risk, your drug response and your traits. In other words,

 

there is no place to hide anymore

 

You see the impact of your lifestyle on your DNA. You can change something to your lifestyle, or you can continue to live in a state of denial. As Esther was explaining “its all about motivation” albeit a different motivation than the one meant in Daniel Pink’s latest book “Drive”.

What Esther Dyson was describing was a DNA-version of the Quantified Self, a movement of people who measure all sorts of things about themselves such as heartbeat, blood pressure, time usage, sleep patterns, etc and who put all that information in the cloud.

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Obviously, it would be great if also these folks would have a Digital Identity Tuner so that they could control in a more granular what what aspect of their identity/footprint they want to share with whom in what context.

For example, you may want to share your heartbeat with your insurance company to get better insurance policy and rates, but maybe you do not want to share this with your bank.

At the end of Esther’s talk, I observed that what she was describing were actually body listeners, sensors about your human “engine”, “machine”. I wonder if there are no similar implementations about the other side of “me”, namely about my mind, my consciousness, my feelings.

I asked Esther Dyson if she was aware of any such consciousness-as-a-service in the cloud thing. She thought it was an interesting question, but that she did not feel ready yet to share all that with the world.

I love the “Know Yourself” theme:

  • From the one hand it takes quantified measurements from the human body, the “engine”
  • On the other hand, it could take quantified (?) measurements from the human mind, the “capabilities” such as social cognition, or capability to be happy, etc

 

Both will drive status

Both in place and time

 

Status is all what it is about these days. And being able to share it. And participate to it. And engage with it. What Clay Shirky called “Cognitive Surplus”. What Stowe Boyd calls “Social Cognition”.

So many reasons to start thinking of a Digital Identity Tuner that lets you control status.

Digital Identity, Digital Status, and Digital Footprint start to converge into a personal data “something”. Some started calling the “something” a “store” or a “locker”. Others think more of a “service”.

Others are aware that our vocabulary is very real-world inspired, often based on physical concepts like “storing”, or “location”, or “posting”, etc… They prefer to wait until an appropriate terms pops up and call it “Personal Digital x” with the “x” standing for “something”. I called it Digital Identity Tuner.

 

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It is clear that this sort of identity is much more than a card, token or PKI certificate.

There is a role for a

neutral, non-for-profit, trustworthy

organization to offer

an identity and trust service

for the financial industry

Who could that be ?

 

Sean Park’s presentation at next week’s SOFE (SWIFT Operational Forum EMEA) will introduce you to a financial services framework, with trust and identity as foundational services. That’s on 14 December 2010 at 9am in Conference Centre Dolce, close to Brussels.

A number of the above ideas should be part of a Digital Identity Research incubation project that we will probably kick-off at SWIFT in the second half of 2011.

Let the comments flow.

How to make babies ?

UPDATE: the Prezi version of the SOFA presentation mentioned at the end of this post is now available here.

 

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Sibos 2010 is over! It was one of the best ever. After that week I felt completely exhausted. Empty. Because I gave my full self. Went deep. Gave and received loads of energy.

This week, it’s time for reflection. For chilling-out. Took some days off: late breakfast, some power naps. A walk here and there. Still lots of reading. Lots of tinkering. Some up-moments, some down-moments. Flowing.

And the future starts to emerge again.

Soon we have to go back to the salt-mine. Soon the treadmill starts all over again. But it does not have to be a copy-cat.

Soon we have SOFE (SWIFT’s Operations Forum Europe), running from 13-15 December 2010 in Conference Center “Dolce” in our home town La Hulpe (close to Brussels).

I have been asked to organize the Innovation Plenary on 14 December. So, here we go again!

Sean Park from the Anthemis Group will be there as well.

He was one of our VC-coaches and Innotribe Leaders for Cloud at Sibos. He will do a keynote during the plenary (a great Prezi presentation on “Platforms, Markets, and Bytes”) and a viewing of his trailer video on “Financial Reformation”. And he will help us run an Innotribe Lab on Cloud computing. Yammy !

Also for me it’s a great opportunity to refresh/reboot. I will do the second part of the innovation plenary armed with

 

a brand new presentation titled

 “How to make babies”

 

It will be one of those presentations that have been breeding in my head from some while, and suddenly materialize. Like a painting on a canvas. Like poetry on a sheet of paper. Like joy and harmony in music. Suddenly, it’s there!

 

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“How to make babies” will bring together numerous thoughts collected during many conferences visited this year and ideas distilled from the books I have been reading recently. If you are interested in the books I am reading, I am inviting you to subscribe to my GoodReads.

In essence my story will start with the collision of two ideas.

The first idea was seeded in my brain by Geoffrey West (Distinguished Professor at the The Santa Fe Institute) in a presentation titled “The Secrets of Scale” delivered during the Techonomy conference in June of this year.

 

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Geoffrey West is a theoretical physicist whose primary interests include elementary particles and their cosmological implications; the theory of companies, cities and global sustainability; and biology, including metabolism, aging and sleep. He served as the Santa Fe Institute’s (SFI) President from 2005 to 2009.

It happens that the folks at Techonomy just put up all the videos, including Geoffrey West’s presentation:

It also happens to be the story that opens chapter one of one of the latest books that made a great impression on me: “Where Good Ideas Come From” by Steven Johnston.

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At Sibos, we reflected on the Long Now. In the first chapter of “where ideas come from”, Steven Johnson talks about that vantage point the long zoom.

It can be imagined as a kind of hourglass:

 

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Several years ago, the theoretical physicist Geoffrey West decided to investigate whether Kleiber’s law applied to one of life’s largest creations: the superorganisms of human-built cities

And

the quarter-power law governing innovation was positive, not negative. A city that was ten times larger than its neighbor wasn’t ten times more innovative; it was seventeen times more innovative. A metropolis fifty times bigger than a town was 130 times more innovative.

The essence of Geoffrey West’s story is that cities are intensities. That cities never die. That cities are the ideal womb for idea generation, incubation and execution. That innovation scales differently than the size of the city.

 

Because

the information and the ideas

flow freely and in high intensity.

 

But how does one create a culture of intensity, of innovation? How does one create the vibrancies of cities within the walls of a castle?

Here is some additional video material featuring Steven Johnson’s ‘”Where do ideas come from”.

And a TED talk on the same subject:

 

It brings me to the second idea in the collision: the one of incubators.

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Incubators at the Maternity Hospital, Port Royal, Paris (Maternité de Paris, Port-Royal). An engraving by Eugene Froment (1844-1900) from the Illustrated London News, 1884.

Incubators were invented by Stéphane Tarnier in 1880, and documented by Auvard in the historic 1883 article De La Couveuse Pour Enfants. Incubators help us grow babies. Physical babies. What I am talking about are ideas. Baby ideas that need to be prototyped. And then incubated. Many incubator models for ideas and start-ups exist.

Probably one of the more famous ones is MIT Building 20. Building 20 was designed differently. With flexibility in mind. A bit like the Value Web walls that allow you to create spaces of intensities. And when the job is done, you disperse and build new spaces, new teams. Disperse and re-group. A different composition for each new project. Get rid of the one size fits all.

 

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Old Building 20, Vassar Street facade, 1997.

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New Building 20 at MIT

The point I am trying to make here is that physical environment is equally important to have a free flow ideas. Ideas will not flow in a castle with long corridors and closed offices.

Once incubated, you need to scale. Which brings us back to Geoffrey West and “The Secrets of Scale”. You need to create intensities. As I already mentioned in a previous post:

Intensities and intentions. City intensities. Platforms of intensities. Physical or virtual. Almost requires an architectural purism and surroundings to make it work. Has to be physical.

I want to create these environments. Where small groups of intense people can meet. Can radiate. Can nurture and inspire each other. Where one hunch leads to another, and ideas cross-fertilize. Where we play the Medici-Effect for 100%.

We need to build some sort of city, some platform of intensities, some sort of campus. Not a “chalet” next to the castle.

 

Think big

Think scale

Think city

Embedded in the social and economic fabric of our industry. Where experts can meet and weave the next generation solutions.

Where we not only have a fertile environment for funding “only”, but where we also thought about physical housing, novel resourcing models like dedicated teams combined with shared staff from the castle. Or in-residence programs as another way to resource and bring fresh blood.

Where we have a shared infrastructure for support, project management and IT. And where we nurture a culture of experimentation. Where we have reverse-mentorship of our bankers BY the Gen-Y generation.

Venessa Miemis hit us all hard in the face at Sibos:

There is a class of young, intelligent, creative people who are disillusioned with the debt-based monetary system, and are busy building the infrastructures for a commons-based economy, which is emerging, right now, in parallel to what currently exists. The foundation of this economy is built on trust… and transparency…. and the ability of distributed networks to self organize. And using the Web as a grounds for experimentation, we’re learning more effective ways to link unmet needs with unused resources, innovate, generate wealth, and build resilient communities.

This is the prototype of the future. This is where the opportunities are.

I hope that during the Innotribe sessions the remainder of the week, we can explore ways to create bridges between these two worlds and ways of thinking, and co-evolve the next global economy.”

Venessa & friends already followed up post-Sibos with the idea of an in-residence program for bankers. To understand and connect with the new class of young, intelligent, creative people. To learn their language and adapt their values. Yes, you got it right: the bankers get mentored by Gen-Y.

I think it’s a fantastic idea. To think wealth instead of money.

 

With trust as the currency

of the 21st century

 

Where we create bridges in a strengths-based society instead of a problem mindset.

 

We are in a different Zeitgeist,

and most of our bankers

haven’t noticed yet.

The realization that most senior executives in finance (or elsewhere for that matter) would be completely at a loss – “sans moyens” – faced with an articulate and intelligent Gen-Y as personified by Venessa.

Things like this residence program idea: that’s the sort of babies we need to create. That’s the sort of family harbor we want for our children. And when babies become adolescents and adults, when those ideas have matured into successful companies in their own strength, keep thinking about our off-spring. As it never stops.

And despite big hopes from the singularity movement, there is a fair chance that all who read this in 2010 will die sometime. But as Geoffrey West pointed out and proved mathematically:

 

Biological beings die

Cities never die

 

The big “contours” of my SOFE presentation are drawn. This post-Sibos holiday & chilling season is ideal to let it mature. To perfect the visuals. To come to the essence. To get to its full purity. To be different by less not more. So that you can feel the full intensity. So that each of you can realize his full potential.

Let’s practice making babies !

Innotribe @ Sibos 2010 : Meet the Jury of Pitch Your Lab !

As you know by now, Thursday 28 October 2010 is our Innotribe Grand Finale day where everything comes together!

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Make sure to be in the Interactive Workspace from 9-10:30am on Thursday 28 Oct 2010 when we run the “Pitch your Lab” session .

This session is the culminating point of the all the work that will have happened in the Innotribe Labs throughout the Sibos week.

  • We will open with a 20 min update and reflections on the Long Now Lab by Paul Saffo, who will also be the keynote speaker in the Sibos closing plenary later that day.
  • After that, we’ll have a “Pitch your Lab” competition. The best ideas from the cloud, mobile, and smart data labs will be pitched to a jury who will select the winner of this year’s SWIFT Innovation Awards.

Listen to Kosta Peric who explains what this "Pitch your Lab" session is all about. It is your chance to win the SWIFT 2010 Innovation Award !

 

 

Here are the members of our extraordinary jury, also referred as our Buyer’s Panel:

  • Paul Saffo, Professor, Stanford University
  • Jo Van de Velde, Managing Director, Head of Product Management, Euroclear SA/NV
  • Wilco Dado, Head of Global Payments, Royal Bank of Scotland
  • Gary Greenwald, Chief Innovation Officer, Global Transaction Services, Citi
  • Lázaro Campos, CEO, SWIFT
  • Ian Johnston, Chief Executive, Asia Pacific, SWIFT
  • Gottfried Leibbrandt, Head of Marketing, SWIFT
  • Alain Raes, Chief Executive EMEA, SWIFT
  • Kosta Peric, Head of Innovation, SWIFT

The jury will be assisted and advised by a VC (Venture Capitalist) Advisor’s Panel. These VC’s were part of the Innotribe Labs during the week. Here are the members of the VC Advisor’s Panel:

  • Oren Michels, CEO, Mashery (Cloud Lab)
  • Sean Park, Managing Director & Founder, Anthemis Group (Cloud Lab)
  • Eghosa D. Omoigui, Founder & Managing Partner, EchoVC (Smart Data Lab)
  • Nova Spivack, CEO, Lucid Ventures (Smart Data Lab)
  • Jennifer L. Schenker, Founder and Editor-in-Chief, Informilo (Mobile Lab)
  • Matthaus Krzykowski, Mobile Expert, VentureBeat (Mobile Lab)

Each team will have 5 minutes to pitch their Lab-idea to the jury. After each pitch, we will ask the advice of the VC’s.

Then there will be a short Q&A with the judges, and a voice-of-the-public using our latest “high-tech” applause meter.

The winner of this “Pitch your Lab” competition will be announced during the Sibos Closing Plenary at 16:00 later that day.

We run this competition for the second time this year. Last year this session was referred to as “the best session of Sibos 2009”. We have done everything to match last year’s success. We have invested heavily in a solid design of the labs, and have armed the teams with fantastic facilitators from The Value Web, Innotribe Leaders from the business and the technology eco-systems, and matter expert VC’s.

In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team and the Pitch your Lab finalists. We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com
www.innotribe.com
www.swiftcommunity.net/innotribe
innotribe@swift.com
Twitter: http://twitter.com/innotribe
Hash tags: #innotribe and #sibos

Breaking: Lazaro Campos opens Innotribe @ Sibos 2010

Drop everything ! Get up early ! THE session not to be missed at Sibos this year is the Opening Innotribe Keynotes. Be there at 9am on Monday 25 Oct 2010 in Conference Room #1.

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Lazaro Campos (CEO SWIFT) will open this session and participate to the following interactive Q&A with the speaker panel.

Matteo Rizzi (Innovation Leader at SWIFT and your master of ceremony) and Kosta Peric (Head of Innovation SWIFT) will guide you through the Innotribe program of the week. Knowing Matteo, he for sure will have some humoristic gimmicks in his sleeve to keep you energized that morning: it will start already when you come in, as you will be “bugged”. More details on-site 😉

Five speakers, thought leaders in their respective domains will thrill you with their latest perspectives on the tectonic shifts that underpin the topics of the rest of the week at Innotribe @ Sibos. Each of them will give a 15 min presentation:

  • John Hagel, Director, Deloitte Centre of the Edge, will follow with “The Power of Pull”, or how business models fundamentally change in our hyper-connected world, and how passionate he is about passion. “The Power of Pull” is also John’s latest best-selling business book.

 

  • Nova Spivack, CEO, Lucid Ventures is the world-renowned “guru” on Semantic Web. He will entertain you with a talk on “The Present is the Future”, how real-time and “Nowism” is permeating everything.

 

  • Stephen Ellis, EVP, Wholesale Banking Group, Wells Fargo, will fire you up with his views on tectonic shifts in Banking.

 

  • Venessa Miemis, Graduating Student NYC, Emergent by Design will speak on “The Future of Money”. Her talk will be spiced-up with a video she produced exclusively for this event in Berlin. We already blogged and twittered a lot about Venessa here

 

 

For early birds, there will be a couple of copies of the books of Peter Hinssen and John Hagel.

After these keynotes, Matteo will pick another trick from his sleeves to make sure the audience participates interactively in a short interactive Q&A with the speakers. He will wrap-up the session with the highlights of the Innotribe day and week, and will give you a call for action to keep you engaged with us throughout the week.

Both in content, quality of the speakers, and format of this session, this will be THE not-to-be-missed session on Sibos Monday. We are convinced it will set the bar for any session for the upcoming week.

Innotribe is organized by SWIFT Innovation with the support of financial institutions, vendors and innovation leaders. In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team.

We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com 

www.innotribe.com 

www.swiftcommunity.net/innotribe 

innotribe@swift.com 

innovate@swift.com 

Twitter: http://twitter.com/innotribe

Innotribe @ Sibos 2010: Here are the finalists of the Innotribe Start-up Competition !

Cross-Posted on swiftcommunity.net

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As you know by now, Thursday 28 October 2010 is our Innotribe Grand Finale day where everything comes together!

After the “Pitch your Lab” session (9-10:30 am) and the “Open Innovation Best Practices” session (11:00 – 12:30), we launch for the first time a true “Start-Up competition”.

Make sure you book this high-energy session in your agendas!

The competition will start on Thursday 28 Oct 2010 at 12:30 in the Interactive Workspace : a rollercoaster of 11 five-minute pitches by start-ups in front of the full audience and a judge panel of real Venture Capitalists (VCs).

After the pitches, there will be a short Q&A with the judges, and a voice-of-the-public using our latest “high-tech” applause meter.

The winner of the Start-Up competition will be announced in the final Sibos Closing Plenary at 16:00 later that day.

Finalists have been selected based on their professionalism and fit with the one or more of the four themes of Innotribe 2010: Cloud, Mobile, Smart Data, and Long Now.

Here is the list of 11 finalists (in alphabetical order):

• AcceptEmail (www.acceptemail.com ): E-Billing and Payment via e-mail (**)
• BehavioSec (www.behaviosec.com ) : Behavioural analysis of keyboard/ mouse usage (***)
• Canatu (www.canatu.com ) : Printable devices based on nano-technology (***)
• Collibra (www.collibra.com ) : Business Semantics Glossary for Data Management (S)
• Cumulate: Mobile payments based on Cloud and Semantic Web (*)
• Hypios (www.hypios.com ) : Semantic web for finding experts (***)
• Kinamik (www.kinamik.com ) : Data Integrity and in-stream archiving (***)
• MiiCard (www.miicard.com ): Identity and dematerialization of bank account creation (S)
• MyWOT (www.mywot.com ) : My Web of Trust (***)
• FX Capital Group  (www.fxcapitalgroup.co.uk ): The Currency and Payments Platform (S)
• Smartlogic (www.smartlogic.com ) : Semantic analysis of contracts/legal documents (***)

(S) Spotted by our own SWIFT innovation scouts during the year
(*) Winner of the Innotribe Lab at CPA Conference June 2010, Vancouver
(**) Winner of the Florin Award competition at EPCA Conference March 2010, Paris
(***) Selected from Innovate 100 Pitchslams (www.innovate100.com ) sponsored by SWIFT.

All finalists will have the opportunity to get a G/SCORE assessment : a standardized, scalable methodology for the incisive analysis and transparent assessment of startups’ commercial viability, execution, team and business model.

This methodology has been developed by Chris Shipley and the Guidewire Group, the organizers of www.innovate100.com

And here are the VC Judges:

• Jennifer Schenker, Founder and Editor-in-chief – Informilo (www.informilo.com ) with focus on Mobile
• Oren Michels, CEO – The Mashery (www.mashery.com ) with focus on Cloud Computing
• Nova Spivack, CEO – Lucid Ventures (www.lucidventures.com ) with focus on Smart Data
• Guido Jouret, VP CTO Emerging Technologies Group – Cisco (www.cisco.com ). Best Practice Incubation.
• Mike Sigal, Co-Founder, President and Chief Development Officer – Guidewire Group (organiser of Innovate 100 –www.guidewiregroup.com ) and G/SCORE methodology to score start-ups.

The prize:

There is no other prize attached to this competition other than visibility towards the financial community and a group of experienced VC’s who have their own networks with Business Angels, VCs, and Investment Funds.

We run this competition for the first time this year. As such this is an experiment, where our main ambition is to expose the Sibos audience to the typical high-energy dynamics of such a competition and the start-up mindset in general.

Let’s start the conversation:

In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team and the Start-Up finalists. We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com
www.innotribe.com
www.swiftcommunity.net/innotribe
innotribe@swift.com
Twitter: http://twitter.com/innotribe
Hash tags: #innotribe and #sibos

Innotribe at Sibos 2010: Gen-Y and The Future of Money

Cross-posted on Swiftcommunity.net

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Matteo may have been a bit over-enthusiastic when he declared his session "probably the best session at Sibos 2010" . I guess he may have been unaware of something very special that is happening in the context of the Innovation Keynote Sessions of Monday 25 Oct 2010 at 9am .

What’s going on there is so unique , that i suggest you doublecheck your travel plans to ensure you can be there at 9am Monday morning !

What’s up ?

One of our keynote speakers is Venessa Miemis, a brilliant 28 year old Graduating pursuing a Masters in Media Studies at the New School in NYC. Venessa has a fantastic blog called Emergent by Design  and you can follow her tweets @venessamiemies  where she is leading us in a fascinating way through a collaborative effort to explore the emerging Network Culture and ways in which we can collaboratively build human intelligence and raise consciousness.

Some months ago, i asked Venessa to do a 15 min keynote on The Future of Money as seen through the eyes of Gen-Y. We occasionally kept contact via mail, twitter and skype, and in the spirit of her blog tag-line "emergent by design", and did not give and further instructions and trusted the process and the smartness of young people.

Great was my pleasant surprise when Venessa published her outline some weeks ago under the title "The Future of Money Begins !" .

futureofmoney

The keynote will be on "large scale shifts in cultural values and the impact they’re having on our relationship with money, our perceptions about ourselves as humanity, and how we are redefining what ‘true wealth’ means." For more details on the content, see the link/picture above.

What is really cool is not only the content of this keynote, but also they way how Gen-Y people like Venessa approach such task .

Without corporate structural constraints, Venessa told me very early in the process how she wanted to do something special: she wanted to produce a video as part of her keynote.

And in a true on-line collaboration Gen-Y way, she was going to produce this video with a company in… Berlin. For Gen-Y, they are truly no geographical boundaries anymore.

But to produce such video will require some money. No problem, how do Gen-Y approach this ? They ask their on-line communities for support.

So she launched the Future of Money Website  – and Emergence Collective "creating innovative momentum" with a fundraising via PayPal .

You can determine for yourself what degree of support you can muster to help. It starts at 5$ and can go up to 1,000$ if you want to be Executive Producer of this video.

At the time of this writing, the counter stands at 470$ ! I made a small calculation:

  • if each of the 10,000 readers of this swiftcommunity.net blog contribute 1$, will be able to make come true their full blown dream.
  • if each only 1% of the 10,000 readers donate 100$, same !

I don’t think it should be so difficult for our banks, partners, employees to find between 1-5$ to help support this really cool project.

  • For $5,000: They will create a beautiful and useful visualization of all the companies, initiatives and organizations we’ve been tracking in their research. Right now this research is a tangled mind map but with the skills in their team they have the ability to transform it into an informative and elegant visualization. This would include an overview of peer-to-peer lending platforms, open money protocols, emerging virtual currencies, microfinance platforms, and social currencies.
  • For $10,000: They’re going to be conducting a bunch of interviews very soon. Typically interviews will run between 10-30 minutes. However the video they’re producing will be between 3-5 minutes when it’s finished. Obviously they’re going to have to leave some stuff out. With this level of support they’ll be willing to edit each interview on its own and release it as its own video.

So let’s see what happens. The offer is made. The deadline is Venessa’s presentation on October 25, 2010. It’s up to you to decide if these expanded aspects of the project are worth your money and our time.

The result of this work – the video and the presentation – will be given away under a creative commons license.

Even just a small amount will go a long way towards helping us cover our time and expenses on this volunteer effort. And of course it couldn’t hurt to tell your friends   via your blogs and tweets.

To show the example, we just sent via PayPal some encouragement from the SWIFT Innovation budget to kick-start the process.

Very curious to see where this goes.

And Matteo, no offence, but i think this session will probably be the best attended session at Innotribe @ Sibos 2010

Innotribe at Sibos 2010: Smart Data

Cross-posted on Swiftcommunity.net

 

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Imagine understanding thousands of data-sources in real-time and do market correlations; or leveraging deep unstructured data analytics in order to derive financial intelligence from unstructured data; and render all of this rich information to your users in rich user interfaces such as iPhone/iPAD or even gesture based user interfaces to do slicing and dicing of massive data sets.

Imagine unleashing the power of SWIFT semantics and standards knowledge on structured and non-structured information, and what could happen then. That is what our “Smart Data” theme in Innotribe at Sibos2010 (25 – 29 Oct 2010 in Amsterdam) is all about. We decided to call it “Smart Data” , as – at least in our industry – the words “semantic web” have – ironically – little meaning.

The ability to understand the semantic meaning of data will improve business intelligence for financial services. In essence, today SWIFT already tags semantically the fields of the standard SWIFT messages. Tomorrow, we could tag ANY information, including non-structured information hidden in PDF’s or Word documents or other information streams, overlay that information with existing other structured data sources, and offer pattern recognition services leading to deeper intelligence about those data sets. If you’re interested, I have prepared a more detailed write-up on my personal blog here .

As always in Innotribe @ Sibos, also this Smart Data theme is supported by Keynotes, Face-to-Face discussions, interactive workshops (Innotribe Labs) and R&D demonstrations.

Smart Data keynotes: “Towards more financial intelligence through semantics”
on Wednesday 27 October, from 09:00 – 10:30 in the Interactive workspace.

As for the other themes, we have a great line of speakers. All presentations will focus on what is the possible value of applying semantic technologies with a high relevance for financial services. So, these are not theoretical presentations, but examples of applied semantics. With demos so that you get a real feel of what happens when you start overlaying different data sources.

  • Nova Spivack, CEO, Lucid Ventures. We are very excited to have Nova Spivack with us. Nova is in my opinion a worldwide visionary on semantic web. Nova will give a vision presentation showing how semantic web applies to financial services. He will be assisted by somebody from the financial business.
  • Stephen Mongulla, Associate Partner, Financial Performance Management & Analytics, IBM (www.ibm.com ). In this talk, Stephen will describe a joint effort between IBM’s financial services research and software solution teams to leverage deep unstructured data analytics in order to derive financial intelligence from unstructured data. He will describe the various data sources available (such as SEC filings and social media), we show some interesting entities to be extracted (such as ownership structures, lending activity or consumer sentiment). He will briefly touch on the system aspects of our data extraction and analytics infrastructure and will conclude our presentation with a demo.
  • Gary Thompson, Co-Founder and President, CLOUD Inc (http://www.cloudinc.org ) will present a compelling story on how transactions (the what) and the participants to those transactions (the who’s) can be semantically tagged, and how that results in powerful iPhone/iPAD applications. For once and for all, you will understand there is no “where” on the Internet.
  • Mary Ann de Lares Norris, General Manager, Oblong Industries, Inc, Europe (www.oblong.com ). Mary Ann will give a video-demo of Oblong’s gesture-based user interface, slicing and dicing massive sets of semantic data sets. This is Minority Report becoming real. Not to be missed ! Here is the TED video on that subject:


Smart Data Face-to-Face discussion: “Which semantic evolutions will transform financial intelligence? “
on Wednesday 27 October from 12:30 – 14:00 in the Interactive workspace
The Face-to-Face discussion will be kicked-off by a 20 min thought provoking presentation by Rob Usey, CEO of www.Psydex.com , who will give a mind-blowing demo of their PsyngFX application: this application listens in real-time to thousand of structured and unstructured information feeds, does semantic tagging on the fly, and correlates this with marketdata. Whether your topic of interest is Oil Refinery Explosions, Apple Computer or Mergers & Acquisitions, Psyng can instantly alert you to key news events, delivering correlations and projected impacts as the news happens.

After this scene setting presentation, Eghosa D. Omoigui will moderate a panel of smart data specialists:

Currently confirmed are:

  • Nova Spivack, CEO, Lucid Ventures
  • Gary Thompson, Co-Founder and President, CLOUD Inc
  • Rob Usey, CEO Psydex
  • As we speak, we have 3-4 additional invitations to representatives of financial institutions using smart data technologies. Follow our Innotribe tweet to stay up-to-date on speaker confirmations in real-time.

Smart Data Lab

We are repeating the highly successful format of Innotribe Labs. One or more Smart Data Idea generation teams will be formed on the spot, and over the course of the 3 days they will prepare a professional pitch to be delivered on Thursday during the “Pitch your Lab competition, in front of the public and a very skilled Buyer’s Panel.

The Smart Data Innotribe Lab team will be supported by following professionals:

  • Innotribe Leader Business: to be advised
  • Innotribe Leader Technology: Nova Spivack, CEO, Lucid Ventures
  • VC-Coach: Eghosa Omoigui, investor in Semantic Web start-ups
  • Professional facilitators from The Value Web
  • Your’s truly, as SWIFT representative

R&D Demonstrations:

We’ll have this year a beautiful Innotribe corner integrated in the main SWIFT Stand. We’ll have a packed program here as well. We are still looking at the many candidates, and will do a separate blog on all the presentations scheduled throughout the week.

Educational Resources:

I am a big believer of Semantic Web, and always on the look for good educational material to help me explain what it is and why it is important.Please find below some great resources:
– Video made by Cisco, by their IBSG group (Internet Business Solutions Group).

– One single link with many other educational resources here .
– If you want to get somebody interested enough to do some more research, this 14 minute film by Kate Ray is the perfect thing to give you the appetite for the subject: Web 3.0 from Kate Ray on Vimeo.

Web 3.0 from Kate Ray on Vimeo.

Let’s start the conversation:

Innotribe is organised by SWIFT Innovation with the support of financial institutions, vendors and innovation leaders.

We just opened a Web-Storm on Innotribe.com to collect your idea on this Smart Data theme and the other 3 themes as we build up towards October. We will feed-back these ideas to the Innotribe Leaders before the actual Labs in Amsterdam. Check out www.innotribe.com

In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team. We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com
www.innotribe.com
www.swiftcommunity.net/innotribe
innotribe@swift.com
Twitter: http://twitter.com/innotribe

Innotribe Sibos 2010: Cloud Computing

Cross-posted at swiftcommunity.net

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Last time, we shared our high-level Innotribe program for the Sibos week (25-29 October 2010) . This week we’ll zoom into the details of our Cloud program, one of the 4 themes of this year’s Innotribe.

Cloud was already on the program last year. Our main ambition then was to introduce you to some basic concepts of Cloud Computing, such as Infrastructure-as-a-Service (IaaS), Platform-as-a-Service (PaaS) and Software-as-a-Service (SaaS).

This year we want to go beyond that basic definition stage. Following last year’s Labs, which were focused on the economics of cloud computing, this year focuses on the practical implementation, user experiences, and why it’s important for the financial industry. There will be a specific focus on hybrid cloud models and APIs.

As always in Innotribe @ Sibos, also this Cloud theme is supported by Keynotes, Face-to-Face discussions, interactive workshops (Innotribe Labs) and R&D demonstrations.

Cloud computing keynotes: “Towards new models and APIs”
on Monday 25 October from 11:00 – 12:30 in the Interactive Workspace
We have a great line of speakers. Confirmed at the time of this writing are:

  • Sean Kelly, Global CIO for Deutsche Asset Management, Deutsche Bank. Sean is also elected Chairman of ECLC (Enterprise Cloud Leadership Council) a key banking cloud initiative including participation of Bank of America and Commonwealth Bank of Australia.
  • Subhra Bose, CTO for alternative investments, Credit Suisse. He will share the experiences of Credit Suisse in implementing cloud in alternative investments.
  • Jacqui Taylor, Founder of Flying Binary. In a previous life, Jacqui was Design Manager at BACS. She will talk about a Google Apps application supporting the Payments Services Directive.
  • Paula Richards, Cloud Computing Initiatives Executive, IBM
  • Oren Michels, CEO, Mashery. He will give an amazing speech on how API’s are now offered as-a-Service, including a compelling demo of their developer’s portal. Oren is sharing his enthusiasm for the Cloud theme in following YouTube video

Face-to-Face discussion: “Appstore for financial services – dream or reality?”
on Monday 25 October from 12:30 – 14:00 in the Interactive Workspace, right after the Cloud keynotes.

The Face-to-Face discussion will be kicked-off by a provoking presentation by Sean Park (CEO, Nauiokaspark) on the need for a neutral platform for cloud applications for the financial services.

Peter Hinssen, CEO, A-Cross Technologies will again be our skilled moderator for the Cloud Face-to-Face discussions. Last year he managed a panel of 11 participants. The feedback indicated that such a big panel was maybe a bit over the top. So this year, we have a slightly smaller panel. Confirmed so far are:

  • All the Cloud keynote presenters above, complemented with
  • Amir Halfon, Senior Director & Global Lead Architecture and Technology, Oracle
  • Sean Park, CEO, Nauiokaspark
  • Abbie Barbir, VP Senior Architect, Bank of America
  • Keith Saxton, Director, of Banking & Financial Markets IBM Global Financial Services
  • Mary Knox, Research Director, Banking and Investment Services, Gartner Research

Innotribe Labs

We are repeating the highly successful format of Innotribe Labs. One or more Cloud Idea generation teams will be formed on the spot, and over the course of the 3 days they will prepare a professional pitch to be delivered on Thursday during the “Pitch your Lab competition, in front of the public and a very skilled Buyer’s Panel.

The Cloud Innotribe Lab team will be supported by following professionals:

  • Innotribe Leaders Business: Jacqui Taylor (ex-BACS) and now Founder of FlyingBinary
  • Innotribe Leader Technology: Sungard (to be advised)
  • VC-Coach: Sean Park
  • Professional facilitators from The Value Web
  • Your’s truly, as SWIFT representative

R&D Demonstrations:

We’ll have this year a beautiful Innotribe corner integrated in the main SWIFT Stand. We’ll have a packed program here as well. We are still looking at the many candidates, and will do a separate blog on all the presentations scheduled throughout the week.

Let’s start the conversation:

We just opened a Web-Storm on Innotribe.com to collect your idea on this Cloud theme and the other 3 themes as we build up towards October. We will feed-back these ideas to the Innotribe Leaders before the actual Labs in Amsterdam. Check out www.innotribe.com

Innotribe is organised by SWIFT Innovation with the support of financial institutions, vendors and innovation leaders.

In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team. We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com

www.innotribe.com
www.swiftcommunity.net/innotribe
innotribe@swift.com
Twitter: http://twitter.com/innotribe

Innotribe @ Sibos 2010 : High-Level program

Cross-Posted on SwiftCommunity.net

Last week, Kosta kicked-off the next Innotribe @ Sibos2010.

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I am pleased and excited to complement Kosta’s introduction by sharing with you our high-level program for the Sibos week (25-29 October 2010).

High Level program

A good presentation/show has a fantastic start, and great core, and an exciting grand finale. That’s exactly how our Innotribe @ Sibos2010 program is organized 😉

We have a fantastic start: our “Innovation Opening Keynotes: the big tectonic shifts” on Monday 25th from 9am – 10:30

What a line-up of speakers ! We have now confirmed:

  • John Hagel (Author of THE business book of the year “Power of Pull”),
  • Peter Hinssen on “The New Normal” (also title of his new book),
  • Nova Spivack with a long-term technology forecast,
  • Venessa Miemis (28 year old GEN-Y Graduate Student from NYC) who will prepare a talk on the future of money,
  • and a still to be announced very senior banker on tectonic shifts in banking.

Both in content, quality of the speakers, and format of this session, this will be THE not-to-be-missed session on Sibos Monday. We are convinced it will set the bar for any session for the upcoming week.

We have a great core: We have 4 Themes. As last year, we have appointed Innotribe Leaders and VC-Coaches to each of these themes:

  • Cloud: following last year’s Labs, which were focused on the economics of cloud computing, this year focuses on the practical implementation, user experiences, and why it’s important for the financial industry. There will be a specific focus on hybrid cloud models and API’s.
    • Innotribe Leaders:Jacqui Taylor (ex-BACS) and now building Google Apps with FlyingBinary and Sungard
    • VC-Coach: Sean Park
  • Mobile: the emergence of mobile payments, especially in the worker’s remittances area, and the role of banks.
    • Innotribe Leaders: Jonathan Bye (RBS) and Ville Sointu (Tieto)
    • VC-Coach: Matthaus Krzykowski (Venture Beat)
  • Smart data: how to capitalise on the power of semantic web technologies to enable greater intelligence for financial institutions.
    • Innotribe Leaders: Wells Fargo and Nova Spivack
    • VC-Coach: Eghosa Omoigui (ex Intel Capital)
  • The Long Now: this series of interactive workshops will engage in long term scenario planning for the financial industry.
    • Innotribe Leaders: Chris Skinner and Sean Park

The line-up of speakers, face-to-face panel members and moderators is stronger than ever before. This will be the subject of subsequent Innotribe @ Sibos2010 blogs.

We just opened a Web-Storm on Innotribe.com to collect your idea on these 4 themes as we build up towards October. We will feed-back these ideas to the Innotribe Leaders before the actual Labs in Amsterdam. Check out www.innotribe.com

In addition, we will have 2 Masterclasses Innovation, we have invited the 5 leading software vendors for innovation management tools, and we’ll have an update on eMe (winner of last year).

We also teamed-up in a quite significant way with our colleagues from Standards and Technology. You will notice on the Sibos program a number of interactive sessions that have been co-designed with Innotribe.

The exciting grand finale: the best of the Innotribe week comes together on Thursday 28 October 2010.

  • We start with “Pitch your Innotribe Lab”, a competition between the best idea teams that were formed during the Labs throughout the week, in front of the buyer’s panel. 5 minutes pitches with Q&A by the SWIFT Buyer’s Panel, with input from our VC-Advisors. They compete for the Sibos2010 Innovation Award. Last year’s winner was eMe. Who will it be this year ?
  • Right after, we’ll have the “Open Innovation Best Practices”, with again a staggering line up of Heads of Innovation of Banks, and thought leaders from other industries on Open Innovation
  • To pump up your adrenaline levels, we’ll close with a real Start-Up Competition, where we have invited some of the start-ups and great idea teams we met throughout the year. They will pitch in front of a real VC-Panel.
  • And who knows: last year’s Innotribe made it to the final plenary closing of Sibos. We know this year’s Innotribe @ Sibos is even better and The Long Now seems to be positioned in pole-position.

Some elements to spice it all up:

  • All the Innotribe @ Sibos2010 sessions will be supported and facilitated by a team from The Value Web.
  • The Long Now and the Grand Finale will be supported with live streaming and interaction technologies (more news to come in the next weeks)
  • We will be at 3 locations:
    • The Innovation Opening Keynotes in Conference Room #1 aka “the box-ring”. We’ll make maximum use of the interactive features of this room;
    • The Interactive Workspace: a special built space in the middle of the exhibition centre that will host all the other Innotribe sessions; the design of that space is just awesome.
    • The special Innotribe corner on the SWIFT Stand that will host the R&D sessions, including the results of some SWIFT proof-of-concepts.

Let’s start the conversation:

Innotribe is organised by SWIFT Innovation with the support of financial institutions, vendors and innovation leaders.

In the true spirit of less push and more pull, we encourage you to engage in a true dialogue with the Innotribe team. We look forward to seeing you in Amsterdam.

The Innotribe team

www.sibos2010.com

www.innotribe.com

www.swiftcommunity.net/innotribe

innotribe@swift.com

innovate@swift.com

Twitter: http://twitter.com/innotribe