The growth of a technology leader : Nick Ayton… Nick Ayton about the crypto generation: Insurance products designed to be sold through layers of distribution, salespeople and brokers. Then, my favorite parasites: the Independent Financial Advisor. How much profit margin is in a product designed to feed these layers, pay the commissions and allow misselling on mass? Insurance is one big ‘Ponzi Scheme’ as it is predicated on new money coming into the top to pay out at the bottom, if it pays out at all. Pensions are another example of a failed product, a scam. Then we have mortgages, another failed product that robs people and medical insurance designed to be sold and not claimed, aimed at the people with money.

A worldwide respected tech thought leader, Nick works with CEOs to help them understand the complex nature of new technologies that include Quantum Computing, Artificial Intelligence, QuantumAI, Nano Materials, VR and Blockchain, as opportunities and threats for business operating model improvement, customers and the top line growth. Nick Ayton has spent more than 40 years in technology, improving businesses and deploying the newest tech for competitive advantage. He has the knack of making the complex feel familiar and gets to the issue quickly. He gets you thinking and helps you take action, to have the right plans in place for what is to come. Nick Ayton is currently writing a book entitled “Blockchain Design and Implementation Strategies” due to be published in 2017. Nick has published a range of White Papers and articles and is London’s correspondent for CoinTelegraph. Some of his articles include: Myths about Blockchain, 50 Shades of Blockchain, Ignoring Blockchain is Corporate Suicide, Blockchain Returns Trust, Blockchain will Change Asset Management as we know it. White Papers include Global Custody Asset Management, Insurance Claims and Marine Insurance on the Blockchain.

“A crash course on Quantum Computing, its allure and reach. Nick will set you right where technology is today and where it will take you next. Dive into various universes that will open up what you’ll learn.Beware you may need to rethink your plans!” We specialise on decentralised operating models and have created a set of tools and methodologies for design and deployement. Nick is number 21 on the Rise Top100 Blockchain people and Global Fintech 100 influencers of 2017. He is an author, speaker and educator and well known Blockchain evangelist. Nick has a background in computer science, has had 8 tech start ups and held a range of corporate roles in the technology services sector including running a €6.6billion P&L with 66,000 staff working for Siemens, CapGemini, CSC amongst others. Discover a few more info at Nick Ayton.

Munchee, for food reviews is one of the first of a new generation of App Tokens that are structurally challenging and changing a variety of industries, to benefit us all. Along with other App Tokens supporting the movement economy led by Sweatcoin, the app that gets you fit and rewards you for moving; zero carbon lifestyle by LivingOffset enabling you to reduce your carbon footprint, the sharing economy led by MotionWerk, “Share and Charge” a part of Innogy RWE in Germany, and humanitarian help.

NickAyton on crypto app tokes : In Blockchain nobody knows how long you have, 12, 24, or 36 months…as things are already moving very fast… I speak to management all the time and I don’t know where they get their information. They seem to have a crystal ball and be very well informed, and yes many have heard of Blockchain, but their conclusion there is nothing to worry about, apparently they have 5 to 10 years – Pulitzer Prize winner, Thomas Friedman’s phrase ‘I’ll be gone, You’ll be gone’ sums it up nicely. In other words, when the &*%$ hits the fan, I will be retired. But as regulation changes, directors will be held accountable and bonuses will be paid back from your retirement home wherever you may settle.