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Financial Technology

La veille de la cybersécurité


Rather than letting players port weapons or powers between games, non-fungible tokens will more likely serve as building blocks for new games and virtual worlds. One of the most enduring legends in the cryptocurrency industry is that Vitalik Buterin started Ethereum because his warlock got nerfed. "I happily played World of Warcraft during 2007-2010," Vitalik wrote in one version of the story. "But one day Blizzard removed the damage component from my beloved warlock's Siphon Life spell. I cried myself to sleep, and on that day I realized what horrors centralized services can bring. I soon decided to quit."

MarketMove -- Homepage


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Bye-bye, megabank: More young adults are adopting digital banking to manage their money


Marc Wojno has been a writer and editor in the financial field for more than two decades. A new report published this month by data analytics firm FICO shows that a growing percentage of younger U.S. consumers -- specifically Gen X, Millennial and Gen Z groups -- consider digital banks, such as Cash App, Chime and PayPal, as their primary checking account provider, not traditional megabanks such as Bank of America, JPMorgan Chase and Wells Fargo. The report identified five competitive threats to traditional banks and credit unions, and what those companies need to do to stay competitive: Overdraft; savings and investing; buy now, pay later (BNPL); niche neobanks; and open banking. The report, Counterattack: Banks Field Guide to Fintech Disruption, in conjunction with research from Cornerstone Advisors, notes that although many US consumers are pleased with the quality and services of traditional banks and credit unions, the percentage of those three younger generations who chose fintechs over brick-and-mortars as their primary banks have doubled, at 12% of customers since 2020. FICO's report stated that for Millennials and Gen X-ers, the percentages dropped by nearly half during that same period.

Slang Terms for Cryptocurrencies Everyone Should Know


Originally published on Towards AI the World's Leading AI and Technology News and Media Company. If you are building an AI-related product or service, we invite you to consider becoming an AI sponsor. At Towards AI, we help scale AI and technology startups. Let us help you unleash your technology to the masses. A cryptocurrency is a digital currency that may be traded without the involvement of a government or bank. On the other hand, cryptocurrencies are generated using cryptographic processes that allow users to purchase, sell, and exchange them safely.

Top Machine Learning Trends for 2022


Blockchain is the new talk of the town. It is the technology behind cryptocurrencies like Bitcoin. Today, it has turned out to be a game-changer for businesses. Its decentralized ledger offers transparency and immutability in transactions between parties without any intermediary. The transactions are irreversible, which means once a ledger is updated, it can never be changed or deleted. Blockchain technology will eventually find its space in the new and innovative applications of Machine Learning and Artificial Intelligence.

AI on the blockchain (it actually might just make sense)


Two ML researchers with world-class pedigrees who decided to build a company that puts AI on the blockchain. Now to most people -- myself included -- "AI on the blockchain" sounds like a winning entry in some kind of startup buzzword bingo. But what I discovered talking to Jacob and Ala was that they actually have good reasons to combine those two ingredients together. At a high level, doing AI on a blockchain allows you to decentralize AI research and reward labs for building better models, and not for publishing papers in flashy journals with often biased reviewers. And that's not all -- as we'll see, Ala and Jacob are taking on some of the thorniest current problems in AI with their decentralized approach to machine learning.

Blockchain + AI in Finance: How Opposites Attract


FinTech as we know it now is highly specialized and centralized. Blockchain and AI can be catalysts for FinTech 2.0 focusing on holistic solutions with increased transaction speeds, transparency, and security. Furthermore, DeFi may mean a larger pool of investors as more and more people gain access to financial markets. The more investors there are, the more data there will be that would be impossible to process without AI. Blockchain provides the foundation for smart contracts to improve transparency and data management, while AI may be leveraged to scale processes, accelerate transactions, and extract insights from large volumes of data.

Can blockchain disrupt social media?


Besides cat videos, the one thing the internet surely needs more of is consultants talking about disruption. But as you read yet another post about the most overused (and misused) term in tech, I'd ask that you at least consider my argument and weigh in- especially if you disagree. Let's start with a few definitions. Clay Christensen, the author of disruption theory, first outlined his thesis of sustaining vs. disruptive technology in his 1995 Harvard Business Review article, and later in his classic The Innovator's Dilemma. In HBR he provides these definitions for sustaining vs. disruptive technologies: "Sustaining technologies tend to maintain a rate of improvement; that is, they give customers something more or better in the attributes they already value."

How one company is helping to diversify the A.I. field


At SureStart, students are introduced to the fundamentals of A.I. through a self-paced, mentor-led program before breaking into teams to build a project using A.I. technology to solve real world problems.

Promising Benefits of AI in the Financial Technology Market


Artificial intelligence (AI) is all the rage now. It's impacting numerous industries globally and changing the way we do things. One of the critical industries AI is making strides in is the financial technology "fintech" industry. AI now plays a significant role in facilitating financial services, replacing what required manual work a few years ago. For example, banks now apply AI to assess credit risks with high accuracy.