Contextual Intelligence & the Future of Money


(image from Michell Zappa with permission)

One of the most rewarding professional experiences I have had so far is being a speaker at Swift’s banking industry conference Sibos.  Every year Swift coordinates the premier conference on The Future of Money. They have been doing this since 1978 with 300 participants.

Today in Singapore there are over 7000 people from 140 countries discussing crypto-currency, financial technology called #fintech, and the future of banking. A small group of innovators inside of Swift called Innotribe are working to bring the most provocative voices in innovation to center stage providing fresh air to an industry that is moving towards a refreshed relevance. People will always need banking, they will not always need banks.

I am writing this post on the future of money to celebrate people I’ve been lucky enough to meet through Peter Vander Auwera @petervan  who is the primary concept designer for the Innotribe portion of Sibos.  This year’s platform was incredibly dynamic.

Here are people shaping the future of money that you should know:

Andrew Keen is one of the world’s best-known and controversial commentators on the digital revolution.He is the author of three books: Cult of the AmateurDigital Vertigo and his current international hit The Internet Is Not The Answer which the London Sunday Times acclaimed as a “powerful, frightening read” and the Washington Post called “an enormously useful primer for those of us concerned that online life isn’t as shiny as our digital avatars would like us to believe”.

Haydn Shaughnessy is an expert on disruption and platform requirements for competitive adaptation. A very important white paper written for Sibos most recently is a must read: The Platform for Disruption How China’s FinTech Will Change How the World Thinks About Banking.

Michell Zappa is a futurist and emerging technology expert. His company research Envisioning has written a robust anthology of the technological future of money.  While it takes several sleep cycles to comprehend it is an important read for anyone in the api landscape.

Chris Skinner author of The Digital Bank is working very hard across the globe to help bridge the digital divide in the banking industry. He specializes in helping traditional banks become better enabled for globalization and millennial participation. This seems a useful place to also add the 25 most innovative banks.

Christine Duhaime founder of Digital Finance Institute and Sam Maule of Carlisle & Gallagher Consulting Group have become rigorous in their focus on women in the financial technology landscape. There will be a billion women entering the workforce within the next decade and the entire economic landscape will change.

Ben Bledsoe reminds us that no story of money can be complete without mention of crypto-currency. This all began with The Rise & Rise of Bitcoin.

Michael Bauwens is a key driver for the collaborative economy and has been creating open source information even before open source became a meme.

There are two resources that are vital to your understanding of the transition from the need to have → toward the need to share → toward the need to give.

Here is a synthesis of the collaborative economy.

Here is a talk Michael gives on scenarios in the collaborative economy:


I met  Peter Vander Auwera on twitter in 2011. We decided there was synergy and made a point to meet IRL (in real life). That meeting changed the trajectory of my voice and professional career. I mention this as the final name I want to highlight from my experience with Innotribe is Peter Hinssen; expert on social networks and author of The Network Always Wins.

Building a culture of experimentation means implementing an attitude toward risk that will be necessary if we are to survive in a world in which strategy becomes fluid.

Cheers to Sibos Singapore! Cheers to Innotribe!


(Innotribe speaker alumni Michel Bauwens, Jennifer Sertl, Mark Pesce, and Guibert Englebienne)

The future of money still depends on brave and curious people making meaningful connections.

Jennifer Sertl


You will know me by my lists


The Future of Work – Labor Day 2015


(image designed by Ross Dawson and posted with permission)

Last Labor Day I synthesized the Future of Work.

This year I thought I would share some remarkable people who inform and inspire me as well as a couple of collaborations I have been involved with modeling curation & talent clusters.

At one point people we considered experts by being the source of information. Being the point person to disseminate knowledge meant that you were capable and credible. That was when knowledge didn’t aggregate as quickly as it does in this data era where data doubles not in decades, not in years, but in hours. In Cognitive Surplus Clay Shirky reminds us “the issue today is not information overload, it is filter failure.”

What this means is, there is so much information out there, you need a strong filter and you need strong people around you to filter out what is most relevant in a sea of relevance. So, one of the most important skills that must be acquired is the ability to curate; organize themes in a way that allows for understanding and swift decision making.  You have often seen my posts with 10 significant links as I say many times “you will know me by my lists.” That is because  I cannot tell you what is relevant to your life. I can, however, tell you themes that you should be tracking to ensure you have your pulse on significant trends that may impact your future choices. Being a conduit vs. a source is a new frame for expertise in the data era.

With curation, it is important that you surround yourself with very interesting and informed people that are “spotters.” A spotter is one who you trust to have their eye and pulse on a particular theme that you know their sources are accurate and the filter is precise. On the topic of the Future of Work – there are two spotters in particular that I think are most relevant and whose insight I deeply value:

Peter Vander Auwera @petervan is co-founder of Innotribe, an innovation incubator within the epicenter of banking SWIFT. An element of his job is traveling around the world meeting interesting people who are transforming the world of work. He started a community called Corporate Rebels as he believe most change in a large organization is going to come from outliers and brave individuals imbedded in the existing business. He wants those individuals to feel less alone and have even more courage to help change systems from within. His most recent personal writing has been on the essence of work.

Ross Dawson @rossdawson is a  globally recognized futurist who is tracking very closely how the Internet of Things impacts our decision making capacity and how robotics is changing the work landscape. He is incredibly gifted in telling visual stories that map out a great deal of complexity. Naming the complexity allows one to create designs and scenario plan with less anxiety and greater ease. (About Ross Dawson)

This year I was involved in two very special collaborations.

This spring I attended The Future of Work Summit held at Vodaphone Innovation Incubator in Redwood City, CA. There were approximately 145 participants who were professors, independent contractors, VCs, entrepreneurs, and students. The group was organized by visionaries Tirza Hollenhorst & David Hodgson and facilitated by Ann Baddilo. It was the most productive learning event I have attended so far as the key intent was to scale our experience to enhance the lives of those in the new economy of co-working, talent clusters, and freelance engagements.

The first part of the summit was spent identifying significant trends on the horizon by which we created this visual story:


(taken at Future of Working Summit, personal photo)

The rest of the day was spent in work-groups tackling these themes that we determined were the most important.

Each issue had a facilitator. Each group created a work document synthesizing key learnings and suggestions.

Here is our output: (click here)

The sections are so important as themes to track that I want you to see all the segments we covered:

  • Igniting the Regenerative Economy
  • Tools & Techniques: Creating Mashups That Work
  • Creating Business Canvas for the “Work-Scape Of The Future
  • Cryptoequity, Cobudgeting, Currency
  • Bootstrapping Adaptive Organizations
  • C0-Creation of Work
  • Evolving Corporate Philanthropy: Corporate Culture as a Vehicle for Social Change
  • Talent Development for the 21st Century
  • Growing Thriving Ecosystem Cultures
  • Future Centered Design: Co-Creating With Global Millennials
  • Reframing the Working Narrative
  • Guerilla Guide to Collaborative Capacity


(personal photo of Art Kleiner facilitating at Price Waterhouse and Coopers, permission granted)

Strategy & Business Magazine – @stratandbiz is celebrating 20 years in publication this year. Part of their celebration is tell the story of the History of Management. Earlier this year a small group of people in organization development were invited to Price Waterhouse and Coopers in New York. The posed question was “what individual and themes most contributed to the history of management as we knowing it.” Luckily they did not ask for “the meaning of life.” In a board room filled with over 400 sticky notes we were completely overwhelmed. There is “what” and there is “so what.”  With editor & chief Art Kleiner’s gracious facilitation we decided that framing themes without specifically identifying key outcomes was a better, more interactive approach. This supports the macro transition from being a source to being a conduit.  We mapped out themes and resources that have impacted our thinking across time using philosophy, history, and sociology to be our guide. Instead of coming up with a timeline and key points we framed 20 significant themes and suggested the resources for those who want to do a deeper dive “20 Questions for Business Leaders.” You will be invited to participate in more cross functional collaboration and seeing more white papers framing questions instead of espousing expertise.

Tracking themes, identifying spotters, participating in collaboration with multi-disciplinary frameworks — this is the the future of work and the future of working.

May you find your talent cluster,


Jennifer Sertl


You will know me by my lists