A former Goldman Sachs analyst was sentenced to 22 months in prison Friday for using inside information to buy shares in listed companies and make more than 140,000 pounds ($175,650).

Ex-Goldman Sachs analyst jailed for insider dealing | CNN Business

The Goldman Sachs Group, Inc. operates as an investment banking, securities, and investment management company worldwide. It operates in four segments: Investment Banking, Global Markets, Asset Management, and Consumer & Wealth Management. The company's Investment Banking segment provides financial advisory services, including strategic advisory assignments related to mergers and acquisitions, divestitures, corporate defense activities, restructurings, and spin-offs; and middle-market lending, relationship lending, and acquisition financing, as well as transaction banking services. This segment also offers underwriting services, such as equity underwriting for common and preferred stock and convertible and exchangeable securities; and debt underwriting for various types of debt instruments, including investment-grade and high-yield debt, bank and bridge loans, and emerging- and growth-market debt. Its Global Markets segment is involved in client execution activities for cash and derivative instruments; credit products; mortgages; currencies; commodities; and equities; and provision of equity intermediation, and equity financing services, as well as offers clearing, settlement and custody services. The company's Asset Management segment manages assets across various asset classes, including equity, fixed income, hedge funds, credit funds, private equity, real estate, currencies, and commodities; and provides customized investment advisory solutions, and financing services, as well as invests in corporate, real estate, and infrastructure entities. Its Consumer & Wealth Management segment offers wealth advisory and banking services, including financial planning, investment management, and lending; private banking and lending services; unsecured loans; and saving and time deposits. The company serves corporations, financial institutions, governments, and individuals. The Goldman Sachs Group, Inc. was founded in 1869 and is headquartered in New York, New York.

Goldman Sachs Group

Have you ever wondered how much the freelance industry (without quotation marks) is worth? More importantly and interestingly, who or what owns it? These are legit questions to ask. And yes, my fellow freelancers, you should care a lot. Let me show you why. If It Makes Money - It Ain’t Funny, But Dead Serious! Let’s start with this jaw-dropping number. Worldwide, the total freelance platform market is estimated to be . worth $3.39 billion To give you a perspective, you’d need to take to match the estimated value of the global freelance market. I’m talking about all US hospitals, drug and cosmetic wholesaling, including the all-mighty health and medical insurance industry. the top three US industries by revenue Is the omnipresent Mr. Musk the hero of this story? Except for this meme, no. We, the freelancers, are. The World Bank estimates that are self-employed. nearly 47% of all workers worldwide The total number of freelancers globally is estimated to be 1.57 billion people out of a total global workforce of 3.38 billion. So, we own it. Right? Well… Have you heard about the “three kings” of the freelance industry? No, not these guys (great movie, definitely worth checking out), more like: , , and (com). Upwork Fiverr Freelancer Having in mind that Upwork freelancers made more than $2B in 2019, let’s first talk about the biggest shareholders of this freelance platform. ownership in UPWK / Upwork Inc represents of the company. BlackRock Inc. 6.7 percent ownership So what? BlackRock isn’t even the biggest Upwork shareholder. That’s ownership with . Vanguard Group Inc 8.46 percent ownership The “dynamics” of the Upwork ownership structure are worth mentioning: A closer look at our ownership figures suggests that implying that no single shareholder has a majority. the top 15 shareholders have a combined ownership of 50% Wait? What do Upwork shareholders have to do with Upwork freelancers? It doesn’t make any sense. They (shareholders) care only about the money. So, freelancers are cool. They (freelancers) are “safe.” What could possibly go wrong or worsen for freelancers? Hmm, let’s see. Why did you think connects were no longer free ( )? Why more than 100K user accounts were purged in one single week ( )? Finally, why the tricky ? profit costs “conversion fee” was introduced Now, have a look at this: Are you surprised by the most recent changes because I’m not at all: I’ve said it many times, and I still haven’t changed my mind: As a newbie Upwork freelancer, you stand a better chance of making money by trading Upwork stocks than by using Upwork connects to find work. But, that’s just me. Let’s see what’s happening with the biggest Upwork rival - Fiverr. Fiverr (NYSE: FVRR) is owned by 46.62% institutional shareholders, 0.00% Fiverr insiders, and 53.38% retail investors. , owning 2.74M shares representing 7.33% of the company. Goldman Sachs Group Inc is the largest individual Fiverr shareholder To sum it up. Behold, : the masters of the freelance universe Vanguard Group Inc Goldman Sachs Group Inc BlackRock Inc What about Freelancer dot com? When it comes to the ownership structure, the Aussies are in “a league of their own,” for the lack of a better explanation. “Freelancer is . The company's CEO Robert Barrie is the largest shareholder with 44% of shares outstanding. In comparison, the second and third largest shareholders hold about 35% and 2.3% of the stock. Interestingly, the third-largest shareholder, Darren Nicholas Williams is also a Member of the Board of Directors, again, indicating strong insider ownership amongst the company's top shareholders.” not owned by hedge funds So what? Well… After doing some more digging, we found that the top 2 shareholders collectively control more than half of the company's shares, implying that they have considerable power to influence the company's decisions. The silver lining here is that if you don’t like something about Freelancer, you can take it directly to the members of the board of directors or the owners themselves. In other words, you can make it personal. Just Follow The Money, My Freelance Honey! The future of work is remote. But, now that you know who holds the keys to your freelance future, how do you feel about it? Let me adjust one of the simplest and well-known definitions of the market economy to suit the freelance economy: A market economy is a type of economic system where supply and demand regulate the economy, rather than government intervention. So, how about this one: A economy is a type of economic system where and regulate the economy, rather than . FREELANCE FUTURE FREELANCERS CLIENTS SHAREHOLDERS In 2019, I asked this question, here, on HackerNoon. https://hackernoon.com/is-freelance-anarchy-the-future-of-freelancing-avms32yx?embedable=true Just compare the stock prices from the 2019 article against the current Upwork, Fiverr, and Freelancer share prices. How come nobody talks/writes about the “decentralization” of the freelance industry? The last line I wrote almost four years ago still stands: It stands, but I’m still looking for freelance friends - who share the same feeling and vision about the new and better future of work.

Upwork Freelancers Under BlackRock: The Masters of the Freelance Universe

ব্ল্যাকরকের অধীনে আপওয়ার্ক ফ্রিল্যান্সার: ফ্রিল্যান্স ইউনিভার্সের মাস্টার্স

Upwork Freelancers Under BlackRock: Die Meister des Freelance-Universums

Freelancers de Upwork bajo BlackRock: los maestros del universo freelance

Upwork Freelancers Under BlackRock: Les Maîtres de l'Univers Freelance

अपवर्क फ्रीलांसर्स अंडर ब्लैकरॉक: द मास्टर्स ऑफ द फ्रीलांस यूनिवर्स

Upwork Freelancers Under BlackRock: フリーランス ユニバースの巨匠

BlackRock의 Upwork 프리랜서: 프리랜서 세계의 거장들

Upwork Freelancers sob a BlackRock: os mestres do universo freelance

BlackRock Altındaki Upwork Serbest Çalışanları: Serbest Çalışma Evreninin Ustaları

Upwork Freelancers Under BlackRock: Bậc thầy của vũ trụ tự do

贝莱德旗下的 Upwork 自由职业者：自由职业者世界的大师

Reliability and decentralization are among the most important advantages of cryptocurrencies and crypto assets. Such freedom of action provides an opportunity to reduce the cost of using crypto by increasing the speed of transfers. However, when can freedom turn into arbitrariness? The case of the FTX exchange and cost traders and investors millions of dollars, highlighting the significant weakness of the regulatory framework in the industry. its sudden bankruptcy Although experts and participants have long pointed out these imperfections, regulatory institutions have continued to delay decisions. Solutions should appear soon, as most of the world's attention is focused on the problem. However, certain questions remain relevant. How do we implement effective regulation of the crypto industry without harming its development? Increase in the Level of Transparency in Asset Use Transparency of financial reporting has long been an essential part of the modern business industry. The concept of "transparency" refers to the publication of quarterly and annual reports, including financial results with in-depth descriptions. At the same time, annual financial statements are being audited by independent companies. Auditors provide a conclusion on the correctness of the specified data and the quality of internal control over the company's financial reporting process. This approach significantly increases the level of trust in published data on the part of shareholders and investors. In addition, the process of review of reporting by government regulators is greatly facilitated through standardization. Are these methods appropriate for the crypto industry? Undoubtedly, the practice of publishing financial statements will significantly increase the level of transparency for cryptocurrency exchanges and platforms. How exactly can this process be implemented? The individuals can rely on the experience of stock exchanges working as public companies with shares placed on their platforms. The public status of stock exchanges implies publishing financial statements with auditors' conclusions in accordance with current legislation. Thus, such exchanges as and provide the highest level of transparency by choosing public status. NYSE NASDAQ An in-depth analysis shows that cryptocurrency exchanges lag behind stock exchanges regarding transparency. The case of the recent bankruptcy of FTX reveals significant gaps in financial reporting. It is necessary to say that FTX has had a mind-boggling in cash at the moment of bankruptcy. For example, neither FTX nor Alameda Research, affiliated with , had departments. Such gaps cause potentially fraudulent actions, bankruptcies, and financial losses for investors. $1.4 billion Sam Bankman-Fried financial reporting Strengthening Control Over the Largest Participants The choice of public status by stock exchanges was entirely voluntary. Certain crypto exchanges operate as private companies with one or more owners, even now. In addition, these platforms are registered in offshore zones, complicating their regulation process. The relatively young status of the industry, the desire to avoid additional costs, and the preservation of full control over management decisions led to the emergence of this situation. At the current stage of the industry's development, publicity has not yet been generally accepted by contradicting the norms of transparency. It requires a more advanced level of control. Public status involves the placement of shares on the stock exchange and an increase in the number of holders. The owners perceive their ability to influence the company's management as a potential threat. Furthermore, the preparation of public financial statements, as well as their audit, requires additional costs, providing mostly intangible benefits. The ability to recognize these advantages remains underestimated by owners of crypto exchanges. Many small platforms cannot afford getting public statuses with all related obligations. Despite the above caveats, the crypto industry needs regulation. The negative case of FTX and its owner showed the painful consequences of insufficient regulation. In addition to significant losses of investors’ funds, the bankruptcy of one of the industry leaders significantly undermined confidence in crypto exchanges, cryptocurrencies, and crypto assets. Such well-known corporations as . became victims of FTX’s bankruptcy as the exchange’s creditors. Mistrust has long-term problems, especially for industries and companies in the development stage. Goldman Sachs Group Inc., JPMorgan Chase & Co. andWells Fargo & Co It is important to emphasize that the crypto industry is not unique regarding major crises. One can recall the bankruptcy of the company and the termination of Arthur Andersen whih was among the top five auditing companies in 2001. Likewise, the bankruptcy of one of the largest US banks, , in 2008 catalyzed the global economic crisis. Both bankruptcies led to the introduction of new regulatory instruments, namely the Sarbanes-Oxley Act in 2002 and the Dodd-Frank Act in 2010, respectively. Enron Lehman Brothers Therefore, it is reasonable to expect that the bankruptcy of FTX will lead to increased regulatory control. The has had irreversible consequences for the industry in 2023. The recent bankruptcy of is one more confirmation of the need for urgent changes. “crypto winter” Celsius Implementation of Requirements for Crypto Exchanges Even at this stage, it is not clear what the regulatory framework for crypto exchanges will look like. Individual approaches to the issue in different countries complicate the process of control at the global level. The company's registration in the Bahamas, with its limited regulatory control and ability to oversee financial services companies, was one of the reasons for FTX's bankruptcy. This situation made it possible for the owner of FTX to conduct risky operations with signs of fraud. Strengthening regulatory requirements for crypto exchanges is set to become a real solution to the problem. The first step should imply the creation of a registry of licenses recognized in all countries of the world, allowing transactions with cryptocurrencies. Thus, crypto exchanges can obtain licenses like the Malta VFA Class 4 License. Such a license confirms the sufficient level of security of the exchange for its clients. At the same time, it is necessary to limit the possibility of using exchange clients' funds in high-risk transactions. Control of such a restriction can take place in the form of periodic inspections of the stock exchanges for the use of funds. These steps will help restore and increase the level of trust in crypto exchanges and prevent large-scale bankruptcies, as happened in the case of FTX.

The Case for Immediate Crypto Industry Regulation: Why Postponing Is Not an Option

A lot has changed since I shared my last related on COVID-19 (the most recent strain of coronavirus), and how AI and Blockchain professionals and industry experts are tackling the crisis. article Seems like `s dream came true: fewer planes, vehicles, factories, are functional, the situation has worsened beyond anyone's imagination. Greta Thunberg Much of Europe is under lockdown and has closed its borders to its fellow EU members. Italy is the hardest hit so far, since its death toll recently surpassed China's. French President Emmanuel Macron simplified the situation by ” with the virus. saying we are at “war President Donald Trump, who had confidence in beating it, is now having a hard time, dubbing himself, " ". a war president has explored even further on how COVID-19 is impacting countries globally and measures that are being taken by authorities to prevent or get ready to tackle the pandemic. Vicenews Eurovision 2020, Eurosoccer 2020, the latest movie releases, concerts, major tech conferences around the world are canceling their events due to the coronavirus outbreak. As of early March, the economic impact of these cancellations had surpassed $1.1 billion. The number is likely to continue to increase. Major cities from San Francisco to New York have banned large gatherings, as diagnoses in the U.S. have soared. It is undoubtedly a smart move for public safety, but all of these cancellations, particularly of major conferences, are taking a huge financial toll. Since the beginning of the dot.com revolution, a number of companies pioneered or disrupted the media industry, taking power from well-established companies as individuals and SMEs uploaded content on the worldwide web, like YouTube. Other social media outlets followed, developing tools and empowering individuals and SMEs. Prior to this global pandemic, a number of other startups were the first to experience new ways of working, that is, remote work or telecommuting. When launched in 2012, the tech business comprised only of , working at home on his computer in the Netherlands. His first hire was in Serbia. GitLab engineering fellow , based in Ukraine, later joined as a co-founder. Soon they recognized the efficacy of eschewing a centralized workforce. GitLab CEO Sid Sijbrandij Dmitriy Zaporozhets "I hired a few people in the Netherlands, and they came to my house," Sijbrandij said. And, he is the man who built a $1 Billion Business Where All 700 Employees Work Remotely . The number of startups that developed tools, platforms, and solutions has improved remote work lifestyle. Remote work has grown and becoming vastly adopted during the current pandemic. Interestingly, say they are most productive when they work alone. Witnessing the current crisis makes one think about and reimagine work, lifestyle, and efficiency. 159% since 2005 statistically 86% of employees What can we learn from Sid Sijbrandij during the current crisis to improve our productivity, to innovate, and to challenge our status quo? 1. The Office of the Future Is No Office at All Although a controversial statement to think about and one that is hard to swallow, it reflected in the work style of GitLab. Though this way of work may not accommodate all industries, learning from the experience of the GitLab gives some ideas and insights to consider and improve. GitLab is used by more than 100,000 organizations. Its 10,000 paying customers include 32 Fortune 100 companies, among them Inc., Inc., and Inc. Goldman Sachs also has invested $20 million in the company and remaining HQ free doesn`t affect the quality of the platform, services and features. Goldman Sachs Group Verizon Communications Charter Communications ” "We are on the forefront of a revolution in working, Mr. Sijbrandij said, adding the point is to measure output, not the number of hours worked. 2. Commute Free - not only for Developers In his article, Mr. Sijbrandij provides well-detailed insights on how developers are seen and projected . However, in our interconnected world, any form of knowledge or skillset can be applied in many options. As The Next Mass Profession For example, youtube provides a great opportunity to share expertise and benefit financially. There are probably millions of channel owners. One of my favorites is channel that has over 2.5 million followers, is the creator and genius behind the all great content that benefits from his loyal followers and reaps well deserved financial rewards The piece that made me follow and enjoy his work is below. #nerdwriter Evan Puschak , one of our most trusted partners that helps with our UX/UI design-related challenges works remotely and manages dozens of teams globally, never spent a day in the office. Anna Chubaeva is another shining example of a nomadic lifestyle and remote work enthusiast, he is one of the leading editors at and advises dozens of Blockchain and other startups on their content strategies Luke Sheehan Genaro Network I cannot resist the 16-year-old entrepreneur who is the co-founder and CTO at . He is helping his clients to transform their business to digital using Telegram Bots across Central Asia as the pandemic is spreading. His expertise and passion to drive change is admirable, especially at his age. Azamat Khamidov D23 3. Lowering Costs Although k has popularized a lifestyle powered by work and life balance, centering community and its power, no one anticipated challenges or even remotely imagined that COVID-19 would hit and hit hard. One of the options that companies will surely consider is remote spaces, either at home or at work, eliminating costs for HQ or offices overall. This is already a well-practiced tendency. Its adoption will only grow, like the Sharing or Subscription economy, as less pay and access to more benefits gives flexibility to employees, partners, and other involved parties as long as a project is handled in a timely manner. WeWor 4. Cross-cultural Communication Reimagined or Reinvented and , , and s have all reinvented the channels of communication in business, providing dozens of productivity tools. Yet, cross-cultural communication for global teams requires more integrated, online solutions to improve their communication. Remote work will ultimately be a great source of inspiration. The following is a great example, since cross-cultural communication is paramount for global teams online and offline. Slack Trello Asana Tencent` WeChat 5. Changing Our Definition of Getting Work Done or to Make Remote Work Great The outbreak has pushed everyone, literally everyone, to rethink, recalibrate, and reflect on how to live, how to work, and how to engage utilizing existing and emerging technologies. The way we organize events, take to virtual activities, integrate remote work, and increase adoption of all of this across more industries is becoming the new normal. Marketplaces, platforms, cloud services, video conferences, and a bunch of other services will be on a bigger, unprecedented demand to maintain basic human touch. Luckily, there are those companies that successfully integrate remote work that can be adopted big time. A number of products that allow people to remain productive is getting bigger, and some of those that we surely benefit from are: 's Srini Anumolu, and Sanjay Noronha have reinvented the way we hire, outsource professionals, and access a talent pool on a budget. Upwork Stratis Karamanlakis, 's Founder and CEO allowed professionals to benefit from the power of e-commerce, dropshipping, and the power of the authentic product, even crowdfunding. Shopify within a single website not only incorporated the list of service providers helping clients to outsource the development of online store, but also provided free workshops and tutorials. Shopify Tobi Lutke During my recent meeting to discuss potential e-Commerce ideas with , who is China’s sourcing solution pro and affluent among Chinese speakers, he stated the number of clients requesting his services tripled in less than four weeks. Most of his clients are the owners of Shopify stores. Alexander Prudnikov 's founder and CEO improved the communication tool, and it is now one of the main options we use to communicate. Some products that work well in China fail to work well overseas due to hosting, DNS, or other technical challenges. Some products that function well overseas fail to work well in China, even with VPN services. Yet, Telegram and Zoom are great sources of video conferencing and communication, helping to stay in touch with employees and partners and keeping business going worldwide. Zoom Eric Yuan 's CEO helped to replace emails, and China's is now one app for all needs, empowering any individual to manage any type of task, anywhere, as long as they have access to the internet. It is similar to a remote work lifestyle that will only increase in adoption Slack Stewart Butterfield WeChat Amazon, Ebay, Taobao, Tmall, Aliexpress, JD, and dozens of other Chinese stores provide great opportunities for merchants to deal with factories in China, sell online, and ship abroad, in other words, making dropshipping even more popular in times of crisis. Conclusion Our lifestyle and perception of life, work, and almost everything will be subject to change because of this pandemic. It will push everyone to think differently and live differently. The changes will span from how we work, travel, and shop, to the level of security and safety that we are accustomed, to the way in which we communicate and interact locally and globally. While not everything can be virtual, necessity resulting from today’s environment has pressed us to be more innovative, push the limits, and think outside the box. It has made us do activities like working, schooling, and even getting some medical care online, and more will follow. A crisis, like COVID-19, presents an opportunity for development, like the need for more sophisticated technology and advanced science, to accommodate and support this new way of living and working. Besides causing significant fundamental changes in the economy, politics and the workplace, it has also prompted less division, a greater appreciation of some of life’s simple pleasures, and reflection on those things we take for granted.

Lessons From GitLab—A $1 Billion Business With 700 Remote Employees 

Creating Opportunities to Recreate the Financial World. Blockchain for Banking and Finance — Image Source Invented back in 2008, the blockchain technology has depicted the change that it can bring in different business areas. The technology, even in its infancy, has disrupted different industries and sectors. Various features of Blockchain such as decentralization, immutability, and transparency make it appealing for business sectors and domains all across the world. One such industry that is leading the way in exploring the potential of blockchain is the banking and finance industry. Though there are several roadblocks in the way currently, it can be surely said that Blockchain holds the potential to transform the finance and banking sectors by reducing potential costs and labor savings. According to a PwC report, 24% of financial executives from all around the world are very familiar with blockchain technology, with North Americans significantly more familiar than those from other regions. Observing the wide-reaching implications of the technology, companies are constantly researching to find out the ways of applying blockchain in multiple sectors. Talking specifically about the banking and finance sector, hundreds and thousands of funds are being regularly transferred from one region of the world to another within each day. This makes the global financial system one of the most popular sectors that could be benefited through the application of Blockchain. Operating on the basis of highly dependent manual networks, the banking and finance sector is prone to errors and frauds that could lead to a crippled money-management system. According to Global Fintech Report 2017, 77% of Fintech institutes expect to adopt blockchain as part of an in the production system or process by 2020. Blockchain for Banking Industry Banking Features — Image Source With the basic understanding of blockchain technology and its working, the real question that pops up into our minds is Blockchain really useful for the banking sector? If yes, then how can we utilize Blockchain in the best possible way for the industry? And most importantly, is blockchain here to stay or go? According to a claim by the , blockchain will do to banks what the internet did to media. When it comes to banks and financial organizations of this day, Blockchain has the potential to solve a lot of problems. Blockchain technology possesses all the attractive characteristics needed by a reliable technology involving money matters. It is safe, secure, decentralized, transparent as well as relatively cheaper. Harvard Business Review Blockchain provides a very high level of safety and security when it comes to exchanging data, information, and money. It also allows users to take advantage of the transparent network infrastructure along with low operational costs with the aid of decentralization. These characteristics make blockchain reliable, promising and in-demand solution for the banking and finance industry. Financial institutes perform the necessary function of keeping money safe and secure for people and therefore, the processes in place require a lot of mediators. The involvement of these mediators is what makes the industry more expensive. Moreover, with the involvement of too many people and manual processes, the chances of errors and frauds always increase. Blockchain technology aims to do the heavy weightlifting by securing transactions and making the overall customer experience more satisfactory and less money consuming. Examples of Some Banks Using Blockchain Example of Banks using Blockchain — Image Source Though the word blockchain was treated sceptically by banks and financial institutions in the early days of its adoption, the story has changed now. With the success of Blockchain in various industries, the banking sector is actively seeking new areas and applications of the Blockchain technology. Big names like JP Morgan Chase have dedicatedly placed their faith in the future of Blockchain technology. The American multinational investment bank headquartered in New York City has started a new division called the Quorum division specifically for research and implementation of Blockchain technology. Quorum is a distributed ledger and smart contract platform for enterprises that supports speedy transactions and throughput addressing challenges for the finance industry, banks and beyond. According to resources, they have already issued a yearly deposit certificate based on a distributed registry with a variable rate. Other than these, a major US bank, Bank of America has filed a patent document which was published by the U.S. Patent and Trademark Office. The document talks about the implementation of a permissioned blockchain for securing records as well as authenticating business and personal data. The system would allow only authorised participants to access the data and keep a log of all the logging entries. Moreover, the proposed system will utilize blockchain technology to combine multiple existing data storage platforms into one. This secure single network will increase the overall efficiency and reduce the number of storage locations of the user’s data. Another name in the line is Goldman Sachs, who is actively involved in research and support of the distributed registry technology. They have invested in a cryptocurrency project called Circle. The project is considered as one of the most well funded startups in the blockchain space. It aims to solve the key problem of volatility in the digital currency space thus, making the finance sector more reliable with crypto options. Backing such a popular project, Goldman Sachs group intends to become the leader in cryptocurrency adoption among their Wall Street competitors. They are also setting up their own cryptocurrency trading desk that will exclusively handle their digital trading. Applications of Blockchain in Finance Applications of Blockchain in Finance — Image Source With emerging use cases with each passing day, the blockchain technology has the potential to disrupt the banking and finance sector of current times. A few ways in which blockchain can change the current face of the banking industry are as follows: Fraud Reduction The involvement of money in any situation leads to increased chances of fraudulent activities. And for an overall sector operating on the very base model of money, security is of utmost importance. More than 40% of financial bodies and intermediaries including money transfer service providers as well as stock exchanges are susceptible to heavy losses relating to economic crimes annually. Reason being the usage of centralized database systems for operations and money management. A centralized database system is vulnerable and highly prone to cyber attacks as the single point of failure, such systems can be exploited by hackers. Once a hacker gets access to such a system, it is a child’s play for him/her to take the money. This leads to the need for more secure systems that are strong enough to avoid such attacks. Enter Blockchain, a secure, non-corruptible technology operating on a distributed database system. Since blockchain is distributed, there is no chance of a single point of failure. Each transaction is stored in the form of a block with a cryptographic mechanism which is extremely difficult to corrupt. Moreover, all the blocks are linked to each other and due to this linking mechanism, if one block is breached all the other blocks on the blockchain immediately showcase the change. This, in turn, helps to track the breach and provides the hacker with no time to make changes in the overall system. With a secure Blockchain system in place, we can eliminate the cyber crimes and attacks of banking and financial sectors taking place in the current times. Know Your Customer (KYC) Banks and financial institutions are strictly concerned about the increasing costs that they have to bear in order to comply with AML and KYC i.e. Anti-money Laundering and Know Your Customer norms. All these processes consume a lot of time and have to be performed individually by all the banks and money based institutions. According to a Thomson Reuters Survey, the overall estimated expenditure of these processes ranges from $60 million to $500 million yearly. These customers due diligence regulations are performed in order to reduce the money laundering as well as terrorist activities. Currently, banks need to upload the KYC data of a customer into a central registry which can be used for checking the information of an existing or new customer. With the adoption of a blockchain system, the independent verification of each client by one bank or financial organization would be accessible for other banks to use so that the KYC process doesn’t have to be restarted again. Meaning that the duplication of efforts would be eliminated by the aid of blockchain technology. Moreover, all the updates of clients’ will be to all financial institutions in near real-time. This would result in the reduction of administrative efforts as well as costs for compliance departments. Smart Assets One example showcasing Smart Assets Management — Image Source Trade finance can become essentially challenging when transactions in the form of assets have to be recorded with a clear date and time stamp. Supply chains all around the world involve a lot many entities and components being bought and sold continuously. All paperwork involved in documenting the details of demand and supply is even more complicated. Blockchain can hold these records of smart assets in digitised form and get them updated in real-time. A smart asset system would not be limited to the entries of just objects moving from here to there but it can also have the track of where a particular item is delivered and where has it come from. A smart asset tracking system for the banks and financial institutes competing in the current times holds a lot of scope in the competition. A bank with a rich data set can turn this data into valuable information for its clients with the aid of blockchain. Smart Contracts The application of smart contracts can prove particularly important in the banking and finance sector. A smart contract is a self-executable piece of code that runs when certain conditions written on it are completed. Smart contracts, when used for financial transactions, would be helpful in increasing the speed and simplifying complex processes. This will also ensure the transfer of accurate information as the transaction will be approved only if all the written conditions of the code are met. Moreover, as these terms are visible to all the parties involved in the transactions, the chances of error at the time of execution are dropped drastically. Trade Finance Trade finance is considered one of the most useful applications of blockchain technology in the banking sector. All the involved parties such as a complex transaction can be on-boarded on a blockchain network and the information can be shared by exporters, importers, and banks on one common distributed ledger. Once certain specified conditions of the deal are met, the smart contracts will automatically execute themselves and the respective parties can view all the actions performed. According to sources, an Israel-based start-up along with Barclays have successfully executed a trade transaction that would normally take 7 to 10 days in just 4 hours using Blockchain technology. When compared to the existing infrastructure, the use of blockchain can reduce costs dramatically relating to licensing, ticketing as well as other overhead charges. Why Blockchain for Banking? Why Blockchain for Banking? — Image Source The current day banking systems are highly reliable on paper and outworn process. The Need of the hour is to have an upgraded system embedded with reliable and trust-able technology that could withstand frauds, scalability and security issues. The blockchain technology and its decentralized nature can give the banking systems the much-needed edge they’re on the lookout for. Banks cannot be termed as independently operating self-sufficient entities as any transactions made through them still involve intermediaries. Moreover, the rate through which money is transferred on an international scale can still take up to 5 days along with entailing risks. With a blockchain system in place, banks would be able to make transfers real quick without even having to take the burden of risks as the system would be self-sufficient to resolve it all on its own. The world is going digital and with this progress, even small transactions and payments are happening digitally. The economic activity rate is increasing and there’s no doubt in assuming that the rate will keep picking up in the coming days. The blockchain technology will make small transfers feasible and fast along with the aid of lower fee and scalability of transactions. Financial services other than banks are constantly evolving their systems with the aid of the latest technology in order to secure the markets by providing economically available services at cheaper rates. Banking and other financial institutions should look forward to the adoption of new blockchain technology too in order to secure their place in the ecosystem. Challenges in Adoption Blockchain sure has its advantages in terms of adoption given its proposed features but there are some hurdles along the road as well which need to be addressed for banks and financial institutions to grow ahead with blockchain. Challenges in Adopting Blockchain as a Platform — Image Source Interoperability: The blockchain technology is not bounded by any international rules and regulations that place a standard to it. With the increasing need for interoperability among large industries like banks, the technology needs to be compatible with different systems and should hold the potential to get adopted by the masses. The integration of existing systems with a blockchain based model is a big challenge today as the current systems and processes cannot be entirely eliminated. If the actual adoption of blockchain allows multiple systems to work together smoothly, operational feasibility can be achieved. Privacy: Banks and financial institutions are the entities that are trusted by people for storing their funds. In order for blockchain to take their place, it is important to ensure that the data stored on the blockchain technology is kept securely and would not hamper the identity of any individual. As the transactions made on a public blockchain are publicly available, the need of exploring the potential of private blockchains for data-critical sectors is needed along with the resolution of issues like interoperability. Encryption: Private keys are the essential elements of a blockchain as they play a significant role in securing the data of an individual on the blockchain. However, a private key generated once has to be kept very securely as once it is misplaced or lost, there’s no way to get it back. Moreover, the encryption used to store data can be compromised by finding loopholes in the network which in turn, makes the blockchain susceptible to hacker attacks. Security: Security in Blockchain — Image Source The blockchain network is secure and powerful as it is embedded with cryptography techniques. Cryptographic networks are complex to hack and thus, any kind of security breach in such networks would require a high amount of computational power in order to secure any hack. When a blockchain network is applied to any banking institution, it has to be secured with multiple security protocols. The network should be capable enough to restrict participating authorities to take control of the network only according to the access permission given to them. Depending upon the requirement, the blockchain involved in such systems or organisations could be permissioned or permissionless. People in an organisation need to be handled with different levels of access permissions in order to save the overall network from malicious insiders and cyber hackers. Scalability: Growth of existing databases is undeniable. The number of entries will keep on increasing as the number of people will continue to grow too. This poses a big challenge to the application of blockchain technology network. The network created through a blockchain should be able to handle the growing traffic while maintaining the speed of accessibility for the network participants. If the blockchain technology is applied to the current banking systems and institutions, it has to ensure the capacity of handling large volumes of data too. Energy Consumption: Most of the current successfully running blockchain networks run on the concept of proof-of-work mechanism in which the network participants are rewarded based on how quickly they solve the equation to add a new block to the network. While this keeps the network working smoothly, it also increases the consumption of energy in enormous amounts in the form of computational work. This kind of computing power leaves massive carbon footprints which affect the environment. Before adopting Blockchain in an industry like banking, this issue needs to be resolved through alternate rewarding mechanisms. Legal Regulations: If blockchain is applied in the banking sector, the need for international and national regulations around it will become mandatory. Currently, cryptocurrencies, the most popular application of blockchain, do not have any regulations around them which makes them susceptible to both profits and losses. However, if and when blockchain finds its place in the banking or finance sector, the regulations need to be in place so as to avoid chaos among people in case of any losses. Conclusion Concluding the use of Blockchain in Banking Industry — Image Source Despite the strict jurisdictions around the banking sector, the financial institutions have started to realise the potential of blockchain technology seeing the popularity of cryptocurrencies in the current markets. The big giants in the banking sector have started conducting the tests for finding out the possible use cases of this decentralized technology for their business processes. Moreover, some of the organizations are also investing heavily in such researches and tests conducted by startups to develop blockchain based solutions. With Blockchain entering the current scenario, a lot of problems could be solved while making the system more transparent, easy to access and reliable. — — — — — — — — — — — — — — — — — — — — — — — — — — Read My Other Related Articles **3.** 1. Blockchain Technology Explained: Introduction, Meaning, and Applications , Also on Hackernoon 2. Blockchain in Healthcare: Opportunities, Challenges, and Applications , Also on Hackernoon How is Blockchain Disrupting the Supply Chain Industry? , Also on Hackernoon 4. Everything You Need to Know About Smart Contracts: A Beginner’s Guide , Also on Hackernoon 5. Top 10 Reputable Blockchain Development Companies , Also on Hackernoon I am Mayank, Cofounder of EngineerBabu . Feel free to reach out to me on LinkedIn | mayank@engineerbabu.com (About EngineerBabu — Medium ). In addition Help startups, enterprises, and owners to grow their business by building high class IT solutions. 95% of projects developed by them were completed on-time. , Win most innovative Premier Design Award, selected in Y-Combinator 2016 & 2017. EngineerBabu 30+ funded by VCs

How is Blockchain Revolutionizing Banking and Financial Markets

1. With $6.3bln, ICOs Have Already Raised More in 2018 Than The Whole of 2017 ICOs have already . The $6.3 billion raised in the first three months of 2018 is equal to 118% of the funds raised in 2017, though only 59% as many ICOs have been launched. The figure includes Telegram’s own token sale which raised a record-breaking $1.7 billion. These numbers prove that despite current regulatory uncertainty, ICOs are still a successful method for fundraising. The news comes following SEC’s announcement that ICOs classified as securities are now required to register with the agency. It has to the issue. raised more funds in the first quarter of 2018 than the whole of 2017 allocated part of its website 2. JP Morgan and Bank of Canada Among Those Testing Debt Issuance On Blockchain JP Morgan and Bank of Canada, along with other big firms, are . The goal is to simplify various processes. Origination, interest rate payments and settlement would all benefit from the initiative. Other organisations involved in the project include Goldman Sachs Asset Management (fund management subsidiary of Goldman Sachs Group Inc), Pfizer Inc and Legg Mason Western Asset. The platform was created using JP Morgan’s in-house open-source blockchain Quorum. Quorum’s popularity has led to JP Morgan considering issuing a spin off. So far, many banks have invested a significant amount of money in blockchain technology. testing the issuance of financial instruments on blockchain 3. EU Parliament Vote For Joint Crypto Regulation The EU parliament has voted on a joint set of crypto regulations which would see EU countries working together more closely. The news was released through a on the official website. An agreement with the Council, dated December 2017, was backed by 574 votes, with 13 opposing and 60 abstaining. The accord is part of the EU’s Anti Money Laundering Directive. One of its intentions is to tackle the anonymity factor when dealing with virtual currencies, as well as related exchanges and wallets. Customer verification will now be required. The new legislation will be enacted three days after being published in the Official Journal of the European Union. EU countries will then have 18 months to transfer the new rules into national law. press release 4. Cryptocurrencies Remain Defiant, Despite America’s Tax Day Fundstrat Global Co-founder Tom Lee previously stated that Bitcoin’s price would drop following a sell off induced by America’s Tax Day. However, In 24 hours, Bitcoin grew 3%, mirroring the price from March 25. Still, Ripple was the most successful cryptocurrency, with an increase of 20% in the past 24 hours. One of the reasons behind the uptick may be growing institutional interest. Bitcoin surpassing $8,5000 and Ethereum nearing $600 are instead signs of a market which is improving. This news roundup was brought to you by . BlockEx To receive our daily news roundup in your mailbox, sign up here: http://bit.ly/BlockExNewsRoundup-Updates

20/04/2018: Biggest Stories in the Cryptosphere

1. Infrastructure Could Soon Be Paid For with Cryptocurrency in São Paulo The Brazilian state of , which would be called Buildcoin. The coin would be used to pay for engineerings conducting feasibility studies for the infrastructure system, a necessity for large construction projects. The move would allow the state and the city, of the same name, to attract more investors to the city, as the government would be able to afford to pay for independent studies and access skilled engineers. Furthermore, it would cut costs as well as increasing transparency and speed. The Secretary of Treasury State Hélcio Tokeshi said that São Paulo was closely monitoring the blockchain technology and cryptocurrencies which are seen as sources of innovation. Even a former informal advisor to U.S. President Donald Trump stated that cryptocurrencies could be the solution to infrastructure under investments. This seems to go against to ban cryptocurrency investments for local investment funds. São Paulo is considering the issuing of its own cryptocurrency Brazil previous move to ban 2. Bitcoin Futures To Be Cleared for Clients by Morgan Stanley The financial services company . Jonathan Pruzan, Chief Financial Officer and Executive VP, announced the decision on Thursday, January 18. However, the firm is not the first one to offer the service as Goldman Sachs Group Inc. previously stated it would clear Bitcoin Futures issued by Cboe and CME for its clients. Coinbase is even , due to the increasing interest by them shown. This could also result in an increase in price for cryptocurrencies. Morgan Stanley had decided to start clearing its clients’ Bitcoin Futures marketing its Coinbase Custody product to institutional investors 3. Wall Street Creates Global Cryptocurrency Data Feed The Intercontinental Exchange (ICE) is developing that should be up and running by Q1 2018. ICE’s new landing page reads: a global cryptocurrency data feed “Our Cryptocurrency Data Feed, available on the ICE Consolidated Feed, gives you access to streaming real-time, end of day and historical data for the most actively traded digital currencies.” (ICE) is , such as the New York Stock Exchange (NYSE) as well as subsidiaries in Singapore and Netherlands. The company is a Fortune 500 based in Atlanta. On the other hand, its partner Blockstream is a private company. It is also more focus on bitcoin core applications such as sidechains, and Bitcoin-related projects funding. Intercontinental Exchange, Inc. the owner of many exchanges 4. France And Germany To Jointly Propose Bitcoin Regulation at G20 Summit France and Germany will both make , taking place in March in Argentina. French Finance Minister Bruno Le Maire said on Thursday a proposal to help regulate Bitcoin at the next G20 summit “We will have a joint Franco-German analysis of the risks linked to bitcoin, regulation proposals and these will be submitted as a joint proposal to our G20 counterparts at the G20 summit in Argentina in March,” that the responsibility to educate citizens on cryptocurrencies and safeguarding them rely on the governments. The words came following Bitcoin fell to below $10,000 earlier this week. Many figures have been wary of cryptocurrencies but this could be the first time a cross-country approach is adopted. Le Maire also told reporters To receive our daily news roundup in your mailbox, sign up here: http://bit.ly/BlockExNewsRoundup _Read writing about Cryptocurrency in Hacker Noon. how hackers start their afternoons._hackernoon.com Cryptocurrency - Hacker Noon

19/01/2018: Biggest Stories in the Cryptosphere

Like any nascent technology, is full of promise but has a long way to go before making waves in the mass markets. Whether or not you are personally bullish on the future of blockchain (and cryptocurrencies), investing your *time* in understanding how the technology works is a generally interesting process that can help you better navigate the noise. blockchain Personally, I try to focus on understanding where creating decentralized systems and transparent public ledgers actually drive value and make lots of sense. business applications Where does it actually make sense to implement a blockchain system? That question is up for you to decide. The good and the bad part about the current state of the ecosystem is that more and more makers (engineers, designers, etc.) are building interesting applications of blockchain. While not every project is great, there are tons of opportunities to explore. Here are 5 I find interesting 1. Payments While many of us are buzzing over the idea of Blockchains “killing off” the big banks (which I am not so sure will happen), we forget that a large segment of the world’s population . These people cannot get loans (to start businesses, get houses, etc.), use banks, or make investments. still does not have access to modern financial services There is a massive opportunity for Bitcoin to empower citizens of third world countries with a powerful currency that can be used to send money internationally with no fees. On the maker side, you can also start accepting Bitcoin on your website using Stripe’s . Bitcoin API Incumbents are betting on blockchain technologies too. “Goldman Sachs Group Inc. is the , with involvement in four companies focused on the distributed-ledger technology since 2012.” Visa’s , a partnership with , is a pilot platform that offeres financial institutions a quick and easy way to process “B2B” payments globally. is a massive player in the space making it easier for enterprises to enable blockchain solutions. fifth most active corporate blockchain investor B2B Connect Chain Ripple 2. Supply Chains We live in a truly global economy, where international supply chains directly (and indirectly) affect every product (price, availability, quality) that we have come to depend on each and every day. But how much do you really know about the products when they ultimately arrive at your place? Who all touched your chair before you purchased it? The freight and logistics industries have been operating the same way for decades — and to save you , it is complicated. the research Using an application of a blockchain, like is, we could implement a public ledger that permanently documents every transaction that occurs. This will reduce the need for manual human input (which often leads to mistakes) and make the entire chain more efficient. This public verification adds an entire layer of accountability that can be better tracked and monitored by regulators. And in a space where regulation accounts for of costs every year, this could be a complete game changer. Shipchain billions and billions 3. Real Estate “Governments and private companies are looking at the digital ledgers as a way to organize land title records and reduce fraud.” — Fast Company Real estate is currently an extremely operational and paperwork intensive industry, with dozens of procedures, middlemen, and steps throughout the process. Think of land deeds, oil-and-gas rights, mortgage documents…the list goes on and on. This labor intensive process has tons of room for human error and inefficiency. Companies like and are leveraging blockchain technologies to make real estate more efficient, transparent, and accessible. Currently, serious real estate investing is only available to accredited investors (aka people with lots of money). REALISTO jumps through those hurdles by giving access to tokens tokens (authorized by smart contracts) that back up each investment. Effectively, they are making real estate investing open to more people. Chromaway is making the entire home buying process more efficient — from start to finish (right now in Sweden). ChromaWay REALISTO 4. Insurance Insurance, globally, is designed on a system of “trust management.” Currently, there is a network of trust brokers who, essentially, operate and manage the entire system. Blockchain could either or these employees with the ability to be more transparent and efficient, while making far fewer errors. replace empower “This will be toughest on the portions of the industry that are the least differentiated, where consumers often decide based on price: auto, life, and homeowner’s insurance.” — Harvard Business Review 5. Charity One of the biggest problems with giving money to charity is that you never truly know where your money is going. You may think you are doing the world a favor by donating money to fund treatment research, but the reality that you are funding a corrupt organization, using your money for bad. Public ledgers, like the ones and have created, could enable us to track donations more effectively so that we could see where our money is going. This sort of radical transparency would truly improve the way people think about giving to charity today and remove much of the inefficiency and corruption that has plagued the space. Bitgive Alice actually _Read writing about Blockchain in Hacker Noon. how hackers start their afternoons._hackernoon.com Blockchain - Hacker Noon Thanks for reading! Remember, “things move slowly until they don’t.”

5 Interesting Applications of Blockchain

Why the Monopoly Man? For nearly a century, the board game famous for causing fights on family vacations became the first introduction to the world of real estate for many. The Monopoly Man, adorned in a top hat, bow tie, and three-piece suit, became a symbol of the real estate mogul. In part, the imagery was fun, whimsical, and innocent; however, the character paints a picture of unattainable wealth achievable through real estate. Background - An Inkling of an Idea Growing up playing the game and listening to parents/mentors / uber drivers, the concept of real estate investing became incredibly attractive to me. Entering my early 20s, I became obsessed with investing in a property of my own. One problem: I had no clue what I was doing. I took courses, spent 180+ hours achieving my real estate license, and finally acquired a property. In the process of buying my first property, I faced countless archaic processes, nearly quit 10 times, and looked for any affordable alternative path to directly invest in real estate. I was met with no solutions. After working with tech companies, crypto banks, and financial institutions in Goldman Sachs’ Investment Banking group, I took a month off and walked throughout all of New York with a little black notebook. Every time I had a coherent stream of thought, I stopped in a coffee shop. I would sweat all over the notebook and feverishly write a blockchain concept to solve the inefficiencies in traditional real estate. After averaging 10 miles a day in post-pandemic NYC summer for a month, I went back and complained to my girlfriend: “If only I had the right co-founder.” After the aforementioned month, I moved to Dallas to work for the Real Estate Investing Group in GS. Thrilled by the distance between us (sarcasm), my incredibly patient girlfriend still heard my plethora of complaints from 1,300 miles away. One night after the millionth complaint, (if she’s reading this, apologies and thank you!), she snapped. In a s*** or get off the pot moment, I would either have to find a co-founder or shut up. Next Steps - Time to Start S****ing After meeting my co-founder at a group happy hour, I knew I had to have him on my team. He had personally invested in multiple properties and was driven, passionate, and sick at tennis. After a week, I called him asking him to meet me in a greasy diner. I brought the notebook. Seeing the sweat stains and smears in the notebook, he listened to me go on for 2+ hours. He was hooked, and after 6 more hours of planning, we had the basis for . mogul After countless all-nighters, numerous investor pitches, and multiple tennis matches, we are incredibly proud to introduce mogul to the world. Why Invest in Real Estate Simple: stability, cash flow, and tax benefits Real estate is a tangible investment with inherent value. The property generates cash flow through rental income. Shelter is one of life’s necessities; therefore, the stability of cash flow and appreciation weather all economic environments. This stability allows investors to put leverage, or debt, on the property to increase returns. Positive leverage is the result of an investor putting a mortgage on the property to increase the returns on their equity. If an investor buys a property for $100 all cash, and the property increases by 10%, the investor’s return is 10%. If they “lever up” and buy the property with 80% debt, the same 10% increase in value results in an investor return of 50% ($100 property value - $80 debt = $20 invested, property increases to $110 - $100 property value = $10 increase / $20 investment = 50%). Stability - If you rent, you pay rental income to property investors each month. A reliable, steady, long-term stream of cash that goes right into the investor’s pocket minus the operating expenses. Cash Flow - The tax code rewards property owners with several valuable deductions and credits, including depreciation, tax credits, and tax-free exchange. Depreciation is the process of recovering part of your investment through deductions on your annual income tax return. The IRS allows you to deduct a certain percentage of your building’s cost each year over 27.5 years (39 years for the nonresidential property). Tax credits provide dollar-for-dollar reductions in what you owe Uncle Sam—they're even better than deductions because they reduce taxes dollar for dollar instead of just cents off per dollar spent/invested as with standard deductions. Tax Benefits - What We Do We partner with investment property owners looking to sell part or all of their equity in a property. Through a streamlined diligence and underwriting process, we arrive at an agreed-upon price with the owner. They onboard the property onto our platform through a streamlined process, and we sell the property to all investors on our marketplace. After the property is sold, the investors in the property receive all of the monetary benefits of owning the property. Our platform unlocks additional benefits via the strategic application of blockchain, including but not limited to daily dividends, real-time appreciation, tax benefits, governance structure, low time commitment, and liquidity. Why Invest using mogul As mentioned earlier in the post: We distribute rental income on a daily basis Daily Cash Flow - We track property value in real time through third-party data providers and a proprietary valuation model Real-Time Appreciation - Investors can sell their ownership stake on our marketplace at any time Flexible Investment Horizon - Day-to-Day operations are in the hand of a licensed real estate professional, while the investor only votes on major decisions Low Time Commitment - We provide investors with a K-1 at the end of the year to receive all of the tax benefits achieved during their respective ownership period Full Tax Benefits - Each property is vetted by real estate professionals with billions of dollars in transactional experience, and they co-invest alongside the users to keep all incentives aligned Invest Alongside Pros - Why Blockchain Blockchain and real estate were made for one another, literally. He theorized the technology made sense, but the third party needed to validate each transaction would present potential bad actor problems. Then, Satoshi Nakomoto came along with the In 1998, Nick Szabo posted the idea in a white paper about deed registration happening online through cryptographically encrypted transactions. Bitcoin and decentralized consensus nearly 10 years later. Real estate is always the last mover in a technological sense. We are just now seeing the benefits of proptech; however, at mogul see the myriad of benefits blockchain creates when applied to the archaic processes of real estate. Each slow, inefficient process can be replaced with smart contracts. As such, we apply blockchain to every aspect of the transactional process so that we can keep down costs and pass along those savings to the end user. We continuously find ways to benefit from the application of the technology and pass it all to you: the user. Conclusion We launched our platform, and the registration for our waitlist is . We would greatly appreciate it if you could check us out, and if you like it, register. If not, register again and tell us why. Either way, we look forward to providing everyone with direct access to real estate investing with our first property launching coming soon. open

GOLDMAN SACHS GROUP

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GOLDMAN SACHS GROUP

gs.com

10K+ employees

Since 1869

COMPANY RANKING

GOLDMAN SACHS GROUP

EVERGREEN INDEX #5445

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