Chris, We had a session about this at Innotribe Sibos 2015 in Singapore this year. With David Nordfors who is suggesting disrupting UNemployment vs disruption employement. Video footage of that session here: https://www.youtube.com/watch?v=ns6kUFjaW2I Best, @Petervan

A lot of this makes me think of the Digital Asset Grid project a the time. My big lesson learned at the time was three-fold: 1) branding of the project is important, the "digital me" just won't cut it 2) we must be able to articulate how this helps solving/connects with the actual business problems and challenges banks or other nodes in the grid have today, and 3) you must take the whole hierarchy/community on the journey about the evolution of the narrative and thinking in and about your project. I fully agree with your conclusion that we are moving from a secure money store to a secure data store. But to do what ? What NEW value propostions will this enable?

Thx, Chris for this insight. See also my post Ties vs. Tattoos where i make a plea for inclusion vs exclusion http://petervan.wordpress.com/2014/08/08/ties-vs-tattoes/

Hi John, Thank you. It feels like it was written for me. Grateful for your wise guidance Warm regards Petervan

I am in, John !

Hi Chris, Privacy may not be dead, but is at least very seriously challenged. Digital identity and privacy is one of my "home"-projects. I write quite a lot about it on my blog: Check out: http://petervan.wordpress.com/2010/08/28/digital-identity-tour-the-unpolished-diamond-part-1/ http://petervan.wordpress.com/2010/07/24/the-value-of-your-social-graph/ http://petervan.wordpress.com/2010/07/04/social-currency-my-personal-identity/ http://petervan.wordpress.com/2010/03/14/identity-rights-system-3-0/ http://petervan.wordpress.com/2009/10/09/privacy-is-dead/ http://petervan.wordpress.com/2009/04/07/do-we-still-need-identity-numbers/ Enjoy the reading ! Petervan

The strength of Paypal is in its API's. If you look a bit closely to it, they carry the embryo of a messaging system that can be used for anything. Not just consumer payments. Already now with fork- and chain-payments. They indeed move up the value chain, and may soon attack the "plumbing" of the underlying payment systems. They are indeed typical example of Innovator's dilemma. But they are not a start-up anymore. Same effect as Salesforce: a 10 eyar old company with revenues now in the billions. They are crossing the chasm?

Innovation is indeed about culture and DNA. Checkout also my blog post on "How real is your Innovation" and related... http://petervan.wordpress.com/2010/01/13/how-real-is-your-innovation/