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The city of Singapore hosts one of the most important global Fintech events, while giving full support to its startups and community of entrepreneurs.

Singapore

Funding, academic collaboration and public-private partnership. A fine recipe to develop a healthy and successful Fintech ecosystem. More the result of a strategy than coincidence, in the last few years, Singapore has seen its Fintech startup scene boom. The city has indeed done a lot to attract funders, notably via creating related events and supporting regional networking.

Part of this strategy rests on barring privileged silos. Rather than building on competition between large companies and small players, the government has decided to create the conditions for both to innovate and collaborate with each other. In fact, banks and insurance companies are setting up innovation labs and research centers in Singapore for startups to experiment and bring ideas to the market, while getting professional assessment and management consultancy.

According to the Singapore Fintech Map, the city hosts more than 200 Fintech companies, focused on diverse segments including digital banking, blockchain, data management and payment services. The good numbers are also due to the effort universities and research institutes are making to update their curricula by adding more Fintech topics. Startups and young entrepreneurs also can benefit from an annual Fintech Festival, organized by the Monetary Authority of Singapore (MAS) and the Association of Banks since 2016, and recognized in 2017 as the worlds’ largest Fintech Festival, hosting more than 25,000 participants from 100 countries.

As Mr. Sopnendu Mohanty, Chief Fintech Officer of MAS, said at the Festival’s opening ceremony last November: “The Fintech Festival is a synergistic platform for the global Fintech community to spark new ideas and gain valuable insights. It is a key thrust of our efforts to establish Singapore as a Smart Financial Centre and a transformational Fintech hub”. While organizing a Fintech Award and a Hackcelerator, the Festival is also a great platform for Fintech companies to attract investors and raise funding for their projects.

Singapore is also known for its Venture Capital (VC) scene, which helps Fintech startups to get funding and managerial support for their projects. While they grow, they can count on public infrastructure such as the LATTICE80, an innovation village in the heart of Singapore financial district which reduces costs for startups and gives them access to data centers and other services.

The host city of SIGEF2018 next September is thus the perfect place to gather innovators, entrepreneurs and social good doers from all over the world. Organized by Horyou, it will include a special panel on Fintech for social good.

The Global Entrepreneurship Summit (GES), an event co-organized by the United States Government and the Republic of India, will take place in Hyderabad, India, on 28-30 November. This year, it will highlight the theme Women First, Prosperity for All, and focus on supporting women entrepreneurs and fostering economic growth globally.

Acting Assistant Secretary for South and Central Asian Affairs Alice Wells delivers opening remarks at the U.S.-India Business Council Road to GES Entrepreneurship Conclave, U.S. Chamber of Commerce, Washington, D.C. (Photo: U.S. Chamber of Commerce)

A strong group of entrepreneurs, government officials and impact investing actors will attend the event, reflecting the GES diversity of cultures and expertise. The Summit aims to foster the conditions that empower innovators to take their ideas to the next level. Horyou will present aspects of its experience as a social network for social good, in resonance with this inspiring social innovation initiative. Yonathan Parienti, founder and CEO of Horyou, has been invited by the US State Department and its Permanent Mission to the United Nations in Geneva to attend the GES and speak for the network on the topic of “Go For It: Tapping Alternative Financing Solutions”. Before the international attendees, he will share his vision and perspective around the launch of Spotlight, the first digital currency for impact that supports philanthropy and economic inclusion.

With Spotlight, as well as its many other events and initiatives, and Foundation, Horyou supports the implementation of the 2030 Agenda of the United Nations Sustainable Development Goals, while aiming to provide philanthropic support to millions of social entrepreneurs, women, youth and social good projects.

Horyou founder and CEO Yonathan Parienti with members of the US State Department from the US Mission in Geneva

«It is a great credit to our efforts to be given such a unique opportunity to share with this international audience the disruptive innovations we have been working on over the past few years at Horyou to further social good and to set up more harmonious conditions for economic inclusion», says Mr. Parienti. «Horyou, the social network for social good, has many stories to disclose about inspiring women, with our member organizations, whose initiatives lead by example in shaping a better future for their communities », he adds.

The Global Entrepreneurship Summit is one of the most important annual entrepreneurship gatherings in the world in that it showcases the efforts of both emerging and developed countries to answer the challenge of furthering joint business opportunities worldwide. GES 2017 aims to create an empowering environment for innovators, especially women, to take their ideas to the next level. The Right Honorable Prime Minister of India, Mr. Narendra Modi, is expected to inaugurate the Summit on 28 November 2017 and Mrs. Ivanka Trump, advisor to the President of the United States on advancing policies and initiatives for women empowerment, is due to lead the US delegation. As she recently reminded the World Assembly for Women in Tokyo: «Ensuring 50% of our population can fully participate in the workforce is critical to strengthen our communities and grow our prosperity».

Ivanka Trump at the World Assembly for Women in Tokyo

GES participants will be supported by mentors and coaches, through workshops and networking sessions, and will be provided with opportunities to meet funders, build partnerships and find their target customers. Plenary sessions will highlight businesses led by women and their stories while master classes will discuss innovative topics as Blockchain, Fintech and e-commerce. «It is an amazing ecosystem to be part of and feel inspired by, due to the diversity of its participants. We will be there to speak the language of social entrepreneurship to shape a better future for the generations to come», concludes Yonathan Parienti.

Horyou blog will provide regular GES updates! Be the change, be Horyou!

The researcher Diego Viana is a social currency enthusiast. By mixing philosophy and economics, his main fields of study, the Brazilian academic believes that we, as a society, need to rethink the current strategy to develop a more equal and fair system focused on people and its needs. In this interview for the Horyou blog, Viana comments Bitcoin, the role of social currencies within capitalism and the challenges surrounding them. He also gives his impressions on Horyou’s Spotlight, the first social global currency for economic inclusion, which was created to distribute wealth and promote a fair redistribution system. After participating in the IVth International Conference of Social and Complementary Currencies, in Barcelona, Viana gave this interview to the Horyou blog.

Diego Viana
Diego Viana

– What does your research consist of?

The basic question I’m concerned with is how our notions of what money is and what it does, associated to the architecture surrounding it, affect the ways we live, the habits we assume, the tasks we undertake. This research takes place within a philosophical framework in which the reasoning is focused more on how things come about than on how they can be defined. In other words, it’s a question of operations, not so much of essences.

From a practical point of view, the difference is that I try to understand money according to the movements in which it appears, rather than an understanding of its nature. This means that different kinds of movements (or operations) imply different notions of money. This in turn implies that money is necessarily much more than a tool to make exchange easier or smoother, it is the core operator of a whole system that defines how exchange actually takes place, and what roles we play when we engage in it.

It is very hard for us to understand this difference if we remain stuck in the contemporary idea of money, in which our savings, our shopping and our wages are all denominated in the same currency, which is also the currency of taxes, public investment, high finance, speculation… This has not always been the case and won’t necessarily be the case in the future: different elements can be used for different forms of interaction that today are performed by money. By the way, sociologists such as Viviana Zelizer have demonstrated that even our general purpose money is earmarked in its actual uses, according to gender, age, profession etc. This is an issue in which social currencies play a decisive part; more generally, I like to use the term “monetary invention”, because these currencies aren’t necessarily designated for a social use, there can be innumerable reasons to create other forms of currency. The important question regarding monetary invention is: what kind of operations and systems are we forging when me introduce and develop new monetary forms? if we don’t deal directly with this question, we’ll be turning in circles.

social currency

– Do you believe that social currencies are important tools for tackling inequalities and promoting economic inclusion?

Absolutely. This is exactly what I believe. But we must pay attention to the architecture that comes with the currencies, that is, the architecture that makes a certain currency act the way it does, otherwise the currency in question might serve very different purposes.

First of all, let us remember that the hegemonic money in our days is designed in such a way that it will almost necessarily generate more inequality: just think about Piketty’s research, or how the Troika acted regarding Southern Europe, or how the IMF acts regarding developing countries. In the post-war period, consider how complex the economic and social had to become in order to reverse, or at least mitigate, this tendency towards inequality. And consider how quickly the very same system turned back to economic and political concentration once the Welfare State began to be imploded.

Now let’s bring up Bitcoin, for example. One of the founding ideas of this digital currency is that there will be a limited amount of it, to make sure there won’t be a tendency towards runaway emission, since it is a system that works supposedly without human intervention. The result is that those who already own Bitcoins will have less and less incentives to spend it, and those who mined them early on will always have an advantage over those who adopted Bitcoin at later stages, or who obtain them by actually buying Bitcoins on the online markets. This design doesn’t favor inclusion or equality at all, quite the reverse.

So when the chips are down, the point is that currencies aimed at economic inclusion must be thought in such a manner that they will upend certain mechanisms associated to the hegemonic forms of money: a preference for accumulation and speculation, for example, or the need to work ever harder, even though the increased productivity has ceased to bring greater welfare. This has been tried and tested in many ways, but as long as they are simply correctives to general purpose money, these efforts fall short.

So in my view the great challenge is to articulate the community of social and complementary currencies in such a way that it will be preferable, for all those who don’t directly benefit from the speculation and accumulation promoted by contemporary money, to adopt other monetary forms. And also, as it goes, to generate forms of money that can’t be taken over by the banking system, a.k.a. “Big Money” (such a lovely nickname).

– Can social currencies thrive under capitalism?

There is much that can be done with social currencies under capitalism, from easing the connection between small businesses to the enforcement of local economies. But of course, these are all limited in scope, as I said in the examples above, since capitalism itself will only interact with them as long as they can be seen as assets available for monetization from the hegemonic banking system.

If by thriving we mean surviving and having a certain role in the wider world, sure, social currencies can complement capitalism quite well. But if we have greater ambitions for social currencies, for example, opening doors for a more sustainable, fair and humane world, then we must think of social currencies as inventing new forms of organizing the economies of collective living, beyond the mere exploitation and competition of capitalism. In this sense, to thrive means to overcome capitalism and cannot be done under it, except in the sense of underground, sapping its foundations.

– What are the main challenges you see for the global spreading of social currencies?

Aside from the challenges I mentioned above, I’d also bring up, firstly, the continued tendency to view social currencies, or complementary currencies, as merely a local feature, a strategy to improve the living conditions of this or that group or region. I’d also mention the difficulties concerning communication and, more important still, technologies: not every group of people involved in monetary invention has the ability to use technologies that articulate social currencies globally. But once more, there would have to be the desire to do just that: spread social currencies globally, in the sense of being articulated, perhaps convertible among themselves. After all, there already are social currencies all over the globe. The only question is whether this is part of a wider project or not. I would like it to be, for certain.

Spotlight, the first global social currency for economic inclusion, created by Horyou
Spotlight, the first global social currency for economic inclusion, created by Horyou

– Spotlight is a global social currency that aims to use internet interactions to promote wealth redistribution. Do you believe the Internet and social networks have a critical role for the success of social currencies?

This is easy to ascertain: since the digital technologies of blockchains and others came about, the attendance to social currency conferences has grown at an accelerated pace. To this I could add that even the smallest and most limited social currency initiatives seem to have projects for becoming digital these days. Also, barter clubs or time banks, which used to be associated to neighborhoods and other small territories, can now function in much wider contexts. Cellphones can be used for microcredit and social networks dedicated to lending and donating have been created.

Once again, it is a question of who holds the knowledge, thus the power, and above all how many participants actually share the conception of what can be done with a social currency and what it is being generated for. This is why, for example, the fact I mentioned above, about so many small social currencies going digital, is neither good nor bad in itself. But it does express a certain awe and amazement with technologies that is certainly not desirable. Technologies should be envisaged as the opening of possibilities to act, not as panaceas.

In the digital realm, the destiny of social currencies is inseparable from the destiny of the commons. For now, the commons are losing the war, as the plutocracy takes up more and more power. Let’s see if we can rethink the strategies and turn this over.

Diego Viana is a researcher at Diversitas (FFLCH-USP) and Iconomia (ECA-USP) Laboratories. PhD candidate at FFLCH-USP, Master in Philosophy (Nanterre) and economist (FEA-USP). Also a regular contributor for the press, most notably Valor Econômico and Página 22, in Brazil.

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      logo-blog-revista October, 1st 2014
      Conexão para a Sociedade
      logo-nunnovation October, 25th 2014
      Horyou Sucessfully Launches the Social Innovation & Global Ethics Forum
      logo-canal2 October, 23th 2014
      Horyou, le réseau social
      logo-Red-Innova October, 14th 2014
      Innovación Social y Ética Global: ya llega SIGEF 2014
      logo-237 October 2014
      Horyou est un réseau social pour l’action solidaire
      logo-wazabuzz September, 2nd 2014
      Quand le digital devient solidaire avec Horyou
      logo-lemanbleu September, 3rd 2014
      Horyou, le réseau social des ONG
      logo-socialetic August, 21st 2014
      Nueva red social Horyou: Prepárate a Soñar, Inspirar y Actuar
      logo-ecopreneurist August, 12th 2014
      Action-Oriented Social Network for Social Good Seeks Social Entrepreneurs
      logo-vanksen August, 4th 2014
      Horyou, le réseau social humaniste. Le digital côté solidarité
      logo-bilan July, 29th 2014
      Horyou, le Réseau Social de l’humanitaire lance un forum à Genève
      logo-igihe July, 25th 2014
      Horyou, urubuga ruhuza abagamije kuzamura imibereho y’abantu
      logo-stephanie July, 18th 2014
      Yonathan Parienti: “Horyou permet un mieux vivre ensemble”
      logo-onefm July, 16th 2014
      Horyou le réseau social des associations
      logo-gimmesocialweb July, 16th 2014
      Yonathan Parienti, CEO de Horyou
      logo-nvvision July, 10th 2014
      Horyou est un réseau social pour l’action solidaire
      logo-agefi July, 7th 2014
      Horyou: projection d'”Histoire de vie” à Genève
      logo-harperz July, 7th 2014
      Horyou, le 1er réseau social humanitaire
      logo-CBNews July 2014
      Horyou rêve d’un autre web
      logo-mosaiques July 2014
      Horyou permet un mieux vivre ensemble
      logo-digipedia June, 26th 2014
      Horyou, reteaua de socializare a binelui
      logo-hormiga June, 26th 2014
      Conoce a Horyou la red social con sentido SOCIAL
      logo-ecofin June, 20th 2014
      Un réseau social pour la solidarité internationale
      logo-yoda June, 18th 2014
      “Reteaua sociala a binelui” are tot mai multi adepti. Ce este Horyou
      logo-leTemps June, 12th 2014
      Le Facebook des ONG s’appelle “Horyou”
      logo-RTS May, 23th 2014
      Le projet Horyou
      logo-yaounde-info May, 15th 2014
      Cameroun: Internet: Voici Horyou, le nouveau réseau social qui soutient des acteurs de la solidarite
      logo-safesi May, 12th 2014
      Horyou: druzabno omrezje, ki spodbuga dejavnost in skupno dobro
      logo-mybigGeneva May, 14th 2014
      Qui es-tu?
      logo-courleux May, 6th 2014
      The action oriented social network for the social good… interview with the CEO
      logo-radioEthic April, 29th 2014
      Horyou
      logo-ITR April, 22th 2014
      Internet: I have a dream…
      logo-TalentiranSi April, 18th 2014
      Horyou novo globalno socialno omrezje v Sloveniji
      logo-vecer April, 17th 2014
      Horyou – novo socialno omrezje za skupno dobro
      logo-GHI April, 15th 2014
      Un réseau social éthique
      logo-tribune-geneve April, 14th 2014
      Horyou rassemble les acteurs de la solidarité
      logo-ondacro January, 28th 2014
      Nagidmy Màrquez nos presenta Horyou, une herramienta para conseguir nuestros objetivos
      logo-buzzparadise January, 14th 2014
      Un social network per il bene comune: Horyou
      logo-agoravox January, 11th 2014
      Horyou: il social network per il bene comune
      logo-slarue December, 25th 2013
      HORYOU, le nouveau réseau social annonce la sortie de sa version bêta publique

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