[ANN][NOTE]DNotes - Celebrating DNotes 3rd Birthday - Forum Now Open

[DNotes]

Here is another on Bloomberg

http://www.bloomberg.com/research/markets/news/article.asp?docKey=600-201509181311PR_NEWS_USPRX____NY05999-1

[waterpile]

So, when will the price hits 100k satoshi?  

Welcome back waterpile, haven't seen you in a while. We have some pretty aggressive plans lined up and Alan is ready to take DNotes to the next level. These are exciting times for DNotes. Keep an eye on our thread, and of course we love to hear from you.

Oh don't mind me at all, I'm a insignificant plankton in the sea.

Still glad that i didn't sold my bag bwahaha

[DNotes]

So, when will the price hits 100k satoshi?  

Welcome back waterpile, haven't seen you in a while. We have some pretty aggressive plans lined up and Alan is ready to take DNotes to the next level. These are exciting times for DNotes. Keep an eye on our thread, and of course we love to hear from you.

Oh don't mind me at all, I'm a insignificant plankton in the sea.

Still glad that i didn't sold my bag bwahaha

Glad to hear you still have your DNotes, you must have had them for quite a while, I'm going to guess we were still under 1,000 sat at the time.

[Chase]

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

[DNotes]

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

[DNotes]

http://markets.ibtimes.com/ibtimes/news/read/30653105/dnotes_live_on_cryptsy_for_bitcoin_trading

[Dyna]

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

[DNotes]

http://dcebrief.com/are-digital-currencies-insurance-against-economic-instability/

[TeeGee]

Very impressed with the article. Thomas has pumped many out recently, good stuff!

[matatyau-cohen]

Banks have traditional way to keep their money: safe. the new innovative tech - which keeps the money on air - is a great difference -cultural and practical - to the banks tradition. guess this is the pre gap that should be closed toward reaching the aim of DC's acceptance by banks.

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

[Dyna]

Banks have traditional way to keep their money: safe. the new innovative tech - which keeps the money on air - is a great difference -cultural and practical - to the banks tradition. guess this is the pre gap that should be closed toward reaching the aim of DC's acceptance by banks.

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

Mati, I can see that. One can touch, feel, and smell money. We can say the same thing about debit and credit card. It has indeed crossed my mind that to help bridge the "comfort" gap at this nascent phase we could offer a multi-currency card before migrating 100% to smart phone -100% virtual currency. There are no technical limitations to do that, but we can not say the same about regulatory hurdles.

[Dyna]

Quote from: Chase on September 20, 2015, 10:44:52 PM

Did you know that in 1952, tuition at Harvard University was about $ 600 per year.  The current cost for tuition now is around $40,000 and if you factor in room and board, fees, books, and other supplies needed, that figure approaches $60,000 per year!!

Quote from: KristinaHD on Today at 03:13:30 PM

Wow. Amazing what a piece of paper can cost. (No doubt the increase has been helped along by inflation) Check out these statistics:

Source: http://www.statisticbrain.com/student-loan-debt-statistics/

LOOK AT THE DOLLAR AMOUNT OF PROFIT GENERATED BY STUDENT LOANS!!!

Who do you think benefits from profits?? Certainly not the students paying thousands of dollars for education, something every human should have a right to.

If properly planned, we could ease the burden of the cost of education for our kids by opening a CRISP for students account for them. The (future) goal of CRISP for Students, is to get as many DNotes as possible, into the hands of as many people as possible before the currency becomes the pre-eminent digital currency used for global commerce by 2020. This opportunity has potential for significant capital appreciation, and many students might be able to use some of their savings to pay off their student loans and get ahead.

I encourage ALL STUDENTS to take advantage of this program.
https://dnotesvault.com/crisp-for-students.php

Quote From Shepherd Today:

86% of the students only borrowed $28,000. To some, that doesn't sound like much. However, if the new graduate can not even find a job for an extended period of time or have to settle for a low paying job, $28,000 is a huge burden right off the gate. A bad or handicapped start could often be the deciding factor of success or the lack of it.

[matatyau-cohen]

"a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation

Banks have traditional way to keep their money: safe. the new innovative tech - which keeps the money on air - is a great difference -cultural and practical - to the banks tradition. guess this is the pre gap that should be closed toward reaching the aim of DC's acceptance by banks.

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

Mati, I can see that. One can touch, feel, and smell money. We can say the same thing about debit and credit card. It has indeed crossed my mind that to help bridge the "comfort" gap at this nascent phase we could offer a multi-currency card before migrating 100% to smart phone -100% virtual currency. There are no technical limitations to do that, but we can not say the same about regulatory hurdles.

[DNotes]

Here is a pretty interesting one that picked up our press release, it is a fairly popular binary options site.

http://binaryoptionevolution.com/2015/09/18/dnotes-live-cryptsy-bitcoin-tradinggrowth-ecosystem-worlds-cryptocurrency-savings-accounts-continues-unabated/

[Dyna]

"a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation

Banks have traditional way to keep their money: safe. the new innovative tech - which keeps the money on air - is a great difference -cultural and practical - to the banks tradition. guess this is the pre gap that should be closed toward reaching the aim of DC's acceptance by banks.

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

Mati, I can see that. One can touch, feel, and smell money. We can say the same thing about debit and credit card. It has indeed crossed my mind that to help bridge the "comfort" gap at this nascent phase we could offer a multi-currency card before migrating 100% to smart phone -100% virtual currency. There are no technical limitations to do that, but we can not say the same about regulatory hurdles.

Mati,those are very good points "["a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation]"

The process of change and the associated complexities, especially as it relates to mass global changes in consumer behavior is often under estimated and misunderstood. Cost savings and convenience are not the only governing factors. There are certainly "some culture obstacles" as you pointed out. Retaining some level of "comfort factors" is a prudent thing to do. Most people will be quite surprised to learn that AOL still has over 2 million dial-up subscribers paying an average of $20 per month. Could it help clear up some regulatory hurdles? Quite possible, perhaps some might be more comfortable that there is some physical matter one can see and touch so the word "virtual (currency)" doesn't bother them quite as much.

[matatyau-cohen]

Thanks Alan, we sure agree. by the way, in short time will start Yom Kipur, which is the day - the jews believes - God judge the humanity - each one for their destiny. so let me use this opportunity to wish all of you - to be signed for good - and we as a community and each of us as well will gain success in DNOTES journey and any journey you choose 

"a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation

Banks have traditional way to keep their money: safe. the new innovative tech - which keeps the money on air - is a great difference -cultural and practical - to the banks tradition. guess this is the pre gap that should be closed toward reaching the aim of DC's acceptance by banks.

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

Mati, I can see that. One can touch, feel, and smell money. We can say the same thing about debit and credit card. It has indeed crossed my mind that to help bridge the "comfort" gap at this nascent phase we could offer a multi-currency card before migrating 100% to smart phone -100% virtual currency. There are no technical limitations to do that, but we can not say the same about regulatory hurdles.

Mati,those are very good points "["a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation]"

The process of change and the associated complexities, especially as it relates to mass global changes in consumer behavior is often under estimated and misunderstood. Cost savings and convenience are not the only governing factors. There are certainly "some culture obstacles" as you pointed out. Retaining some level of "comfort factors" is a prudent thing to do. Most people will be quite surprised to learn that AOL still has over 2 million dial-up subscribers paying an average of $20 per month. Could it help clear up some regulatory hurdles? Quite possible, perhaps some might be more comfortable that there is some physical matter one can see and touch so the word "virtual (currency)" doesn't bother them quite as much.

[DNotes]

Thanks Alan, we sure agree. by the way, in short time will start Yom Kipur, which is the day - the jews believes - God judge the humanity - each one for their destiny. so let me use this opportunity to wish all of you - to be signed for good - and we as a community and each of us as well will gain success in DNOTES journey and any journey you choose 

"a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation

Banks have traditional way to keep their money: safe. the new innovative tech - which keeps the money on air - is a great difference -cultural and practical - to the banks tradition. guess this is the pre gap that should be closed toward reaching the aim of DC's acceptance by banks.

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

Mati, I can see that. One can touch, feel, and smell money. We can say the same thing about debit and credit card. It has indeed crossed my mind that to help bridge the "comfort" gap at this nascent phase we could offer a multi-currency card before migrating 100% to smart phone -100% virtual currency. There are no technical limitations to do that, but we can not say the same about regulatory hurdles.

Mati,those are very good points "["a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation]"

The process of change and the associated complexities, especially as it relates to mass global changes in consumer behavior is often under estimated and misunderstood. Cost savings and convenience are not the only governing factors. There are certainly "some culture obstacles" as you pointed out. Retaining some level of "comfort factors" is a prudent thing to do. Most people will be quite surprised to learn that AOL still has over 2 million dial-up subscribers paying an average of $20 per month. Could it help clear up some regulatory hurdles? Quite possible, perhaps some might be more comfortable that there is some physical matter one can see and touch so the word "virtual (currency)" doesn't bother them quite as much.

Thank you Mati, "G'mar Hatimah Tovah". If you are fasting today, I will be joining you, and wish you an easy fast.

As our journey with DNotes moves into it's next phase, I am positive we will see exponential growth. We have proven that we are here for the long haul and that we can identify and react to the problems in the industry quickly while providing sensible solutions, with a clear path to success.

[Dyna]

Thanks Alan, we sure agree. by the way, in short time will start Yom Kipur, which is the day - the jews believes - God judge the humanity - each one for their destiny. so let me use this opportunity to wish all of you - to be signed for good - and we as a community and each of us as well will gain success in DNOTES journey and any journey you choose 

"a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation

Banks have traditional way to keep their money: safe. the new innovative tech - which keeps the money on air - is a great difference -cultural and practical - to the banks tradition. guess this is the pre gap that should be closed toward reaching the aim of DC's acceptance by banks.

Here is an interesting article in that the author, like everyone at DNotes, agrees with the necessity of educating people on digital currency and blockchain technology.


FinTechEDU | Financial Giants Flock To Blockchain Technology, While Employees Left Clueless?

The underlying technology of bitcoin called, ‘the blockchain’ has disrupted & rocked the foundation of traditional finance to its very core! It seems mainstream media is reporting financial institution’s adoption of blockchain technology in nanoseconds. Only months ago many of these same outfits were opposed to change labeling the bitcoin community, ‘An underground group of criminals, geeks & misfits.’

Amid diverse opinion mainstream venture capital continues to flow through this market from financial giants such as; Capital One Financial, Citi Ventures, NASDAQ, VISA & others ‘solidifying’ the advancement of blockchain technology within the financial sector.

Problem… I recently spoke with a ‘highly’ recognized banker from Citi clueless to her employers involvement in blockchain technology? Later, I met with a money manager also with Citi who first heard of bitcoin/blockchain during our meeting? The guy manages $500M USD yet light years behind information? Conclusion…

‘FINANCIAL INSTITUTIONS ALIKE ARE IN SERIOUS NEED OF FINTECH EDUCATIONAL DEVELOPMENT, RESOURCES & TOOLS FOR EMPLOYEES WHO ARE FRONTLINE ENGAGING WITH THEIR CONSUMERS.’

CitibankBanks have gotten very lax with conventional means of operation & security while many employed by them seem ‘oblivious’ to change & innovation going on all around them. Banks severe need for blockchain awareness & education leaves a huge void for community members to fill via FinTechEDU initiatives.

Solution… EDUCATION! The bitcoin/blockchain academic sector is ‘exploding’ with many prestigious global colleges adopting, embracing & teaching this technology as a bonafide class or course. ‘Canada McGill University, University of Cumbria, Cyprus’ University of Nicosia, Duke University, Imperial College, London, Massachusetts Institute of Technology (MIT), New York University, Pompeu Fabra University, Simon Fraser University, Canada & others’ are laying the initial foundation of blockchain curriculums & digital lab type workshops for future generations to come.

We are building a digital economy & education is ‘key’ to ‘adoption through understanding’, if not, we are vulnerable to mistakes of the past.

https://news.bitcoin.com/fintechedu-financial-giants-flock-blockchain-technology-employees-left-clueless/

That article raises some great points. The tricky part will be catering the educational material to the intended user. Bankers and money managers probably don't need to, nor want to, know the underlying technology that digital currency is built upon intimately. This is something that has been in the back of my mind since I first learned about cryptocurrency.

"Clueless" about Bitcoin, Blockchain technology and digital currency? Harsh but close. Unfortunately, this applies to more than just the front office bank employees but senior bankers as well. There is no easy answer. Our industry certainly could do more by presenting a united front to minimize further confusion with a serious attempt to promote a clear and consistent message.

Mati, I can see that. One can touch, feel, and smell money. We can say the same thing about debit and credit card. It has indeed crossed my mind that to help bridge the "comfort" gap at this nascent phase we could offer a multi-currency card before migrating 100% to smart phone -100% virtual currency. There are no technical limitations to do that, but we can not say the same about regulatory hurdles.

Mati,those are very good points "["a multi-currency card"---is a great idea Alan. more than that - we might find out that if side A removes some cultural obstacles - than side B might remove some "regulatory hurdles". I think these might be uncovered as 2 parts of one equation]"

The process of change and the associated complexities, especially as it relates to mass global changes in consumer behavior is often under estimated and misunderstood. Cost savings and convenience are not the only governing factors. There are certainly "some culture obstacles" as you pointed out. Retaining some level of "comfort factors" is a prudent thing to do. Most people will be quite surprised to learn that AOL still has over 2 million dial-up subscribers paying an average of $20 per month. Could it help clear up some regulatory hurdles? Quite possible, perhaps some might be more comfortable that there is some physical matter one can see and touch so the word "virtual (currency)" doesn't bother them quite as much.

Thank you, Mati. we wish you all the very best. I personally feel greatly blessed to have this great chance to work with you all in this potentially massive opportunity for the better good of humanity.

[DNotes]

Found another one on MarketWatch.

http://www.marketwatch.com/story/dnotes-live-on-cryptsy-for-bitcoin-trading-growth-of-ecosystem-with-worlds-first-cryptocurrency-savings-accounts-continues-unabated-2015-09-18

[Dyna]

“The Central Bank of Nigeria (CBN) says it has to loosen its regulatory policy on mobile money to accommodate telecommunications companies.”

I wish there were more details, but it is always positive to take notice of any Central Bank, irrespective nations, shifting to a more supportive attitude towards “mobile money”, which I believe the writer was referring to digital currency such as DNotes.

From my prospective, there will come a time, in the future, that digital will be given the same regulatory treatment as money, and characterized as such. Many of the regulatory hurdles confronting our industry today is the result of the lack of understanding of what digital currency, Blockchain technology and its global payment network systems are all about.
 
At DNotes, we have certainly been trying hard to help encourage and educate as many people as we can reach. Specifically, we have been introducing every medium and platform to get the message out, by way of CryptoMoms, DNotes Educational Guide, and our newly launched DCEBrief. They are all Google searchable terms and keywords if you like to learn more about them. Or come and join us and feel free to ask any questions you may have.

Nigerian central bank to license telcos for mobile money

Monday 7 September 2015 | 10:24 CET | News

The Central Bank of Nigeria (CBN) says it has to loosen its regulatory policy on mobile money to accommodate telecommunications companies. According to ITPulse, CBN said that telecoms firms can provide the enabling infrastructure for mobile money agents to work effectively, thanks to their broad spread.

The CBN has been wary of licensing telecoms firms, saying it wants to avid a clash between them and banks. The CBN has encouraged telecommunications operators to partner with licensed banks and other financial and non-financial institutions to drive mobile money uptake.

Musa Itokpa Jimoh, Deputy director for the Banking and Payment System Department at CBN, said a review will allow the participation of telecoms companies, giving mobile money a huge boost.

It said mobile money adoption has been very slow in a country that boasts of over 146 million active mobile subscribers. Several surveys have attributed the slow pace to low public awareness. Another challenge had been the low number of agents, as well as inadequate infrastructure.

Source:
http://www.telecompaper.com/news/nigerian-central-bank-to-license-telcos-for-mobile-money--1100957#.Ve3BBX2YeXM.linkedin