marthaverse

Ready to Transform Your Business for the Digital Age?
Discover the marthaverse - my consulting and education brand that empowers companies to succeed through digital transformation. With deep expertise in digital strategy, technology, and training, I develop a roadmap with you to navigate the complex world of digital change.
As a Digital Transformation Strategist and Educator with over 20 years of leadership at top companies, I provide a roadmap to harness the power of digital. 
My approach combines business know-how, tech savvy, and educational skill to put you on the path to growth.

How I Can Help Your Business Thrive:

Strategic Advice: Get a structured plan to guide your digital transformation and seize opportunities across web, mobile, cloud, AI and emerging tech.

Comprehensive Digital Strategy: Navigate digital disruption, limit risks, and make the most of technological advances.

Experiences: Engage your audience with impactful digital experiences across many channels.

Empowering Education: Give your team the digital skills and mindset to succeed with in-depth training programs

Whether you're an established business or growing startup, I can help you unlock the transformative potential of digital innovation.
 
Ready to reimagine your future? 

Let's collaborate to create something extraordinary with the marthaverse - my brand for digital transformation consulting and education for board and executives- start with Masterclasses in Responsible AI and understand the power, risks and rewards.

CEO &  Founder of the marthaverse

krea.global 

krea. A quantum leap into the future with the empowerment of Responsible AI.

That's us - a multi-award-winning design agency from Münster my hometown in Germany, specialising in high-quality content creation via AI, 3D visualizations, virtual showrooms and product configurators, CGI, film & animations. So proud being part of this! I work alongside my amazing nephew and his talented team with many years of experience, we dive deep into the product world with every project and discover new perspectives together with our customers that are best tailored to their product and brand.

Partner & Investor

https://femitopia.com

Building a Brighter Tomorrow
Our mission is simple yet profound: we're dedicated to shaping a better future. Femitopia connects people, resources, and hope to drive positive change. We donate a significant portion of every purchase to our partners, UN Women and WWF. Through our meticulously crafted artworks, we not only raise funds but also draw attention to critical issues.

Each pixel of our art conveys a message honoring our planet and its delicate balance. By merging art with activism, we aim to leave a lasting impact that extends beyond prints.

Join us in reshaping the world and supporting a sustainable future. Your engagement, through art purchases or support, takes us closer to this shared goal. Together, let's build a legacy for generations to come.

Thank you for being part of our mission. Join us at https://femitopia.com. Contact us to explore, how you can create sustainable impact with your brand using AI.

Founder & Partner

The Fast Future Executive

We help your employees and leaders become future-rounded professionals in a world with converging complex technological & social innovation.

Faculty Member & Founder

World Metaverse Council

The World Metaverse Council is a platform leading the dialogue for an equitable and inclusive life in the metaverse. The World Metaverse Council is open and decentralized. We promote collaboration to create an equitable, inclusive, and truly decentralized Metaverse and maximize the incredible economic and social possibilities and minimize harms.

Member

Choice LGBTQIA+

We invite LGBTQIA+ and 🌈friendly people to choose the life they want.
We create our own model of reality, which we will transfer to the culture of the new world.❤️‍🔥

🌈Choice is a decentralized community that stands for LGBTQIA+ and accelerates the culture of diversity and inclusion with secure and immersive technologies.
We create a safe space for applied education in Web3 where we give a knowledge base, share our experience and open opportunities for the community to join projects.
✨We empower individuals to choose the reality they want and pursue the journey of personal growth as well as learn to build careers and establish themselves as entrepreneurs in the industry.
⚡️We also work to unite all offline local LGBTQIA + communities and provide them with a tech umbrella with modern tools and approaches to spread their mission globally. Communities are able to join the Choice ecosystem, contribute to the existing educational topics as well as launch their own initiatives. Also, we create fun experiences and joint celebrations to empower their missions.❤️‍🔥

Meta-Host

Generali Switzerland

Member of The Supervisory Board

Generali Investments

Fashion League | Finfin Play

Playing a proactive role in increasing representation in Web3, Fashion League has created The Front Row (TFR): a women-led community of leaders to help drive inclusivity in the space. This close-knit and empowering community gathers leaders from a cross-section of sectors, from crypto, finance, tech, digital fashion and more, to help network, educate, define and influence the future of Web3.

Ambassador TheFrontRow

AllStarsWomen NFT Club and DAO

Ambassador

CEO & Founder, Top 100 Women of the Future | AI, Web3, Metaverse - Advisor & Deep Tech Investor | Keynote Speaker | Masterclass | Master Human-Centric Tech Transformation

Awarded Global Future Tech and Fintech Leader | Keynote Speaker | Board Member|  Executive and Board Education & Advisor | Book Author

Tech is NOT just for profits. It creates abundance for all. 

I’m a globally recognised Future Tech Expert, and Peace Ambassador, dedicated to empowering C-level executives and board leaders to harness AI, blockchain, Web3, metaverse, and digital transformation—with a strong focus on responsible and ethical AI.

With senior roles at Fortune 500 companies like Axa and UBS and board mandates at Blackrock and Unicredit and Generali,  I translate complex tech trends into actionable strategies that fuel sustainable growth. 

I created my own brand the "marthaverse" 3 years ago to follow my passion for innovation and digital transformation. 

Since than: 
>20000 Executives joined my education program
NEW: Digital Diplomacy Masterclass
>100 keynote addresses 
>20000 people joined my immersive experiences 

With my partner, we create AI-driven content (video, marketing campaigns, avatars, digital twin) at krea.global—to equip leaders to innovate responsibly and inclusively.

As meta-host of Global Digital Pride and ambassador for AllStarWomen DAO, I champion diversity and drive tech solutions that create lasting global impact. 

Honoured being a co-Author of the Fast Future Blurs published by Wiley. 

As a Peace Ambassador for the U.N.P.F I focus on human-centred AI. 

Honoured as a 
Top 100 Woman of the Future 
Top 100 Woman in Business in Switzerland
Top 5 Women in Tech in Europe
Top Voice on LinkedIn
Top Influencer in Future Tech and FinTech (Favikon)

Want to drive meaningful change in your organisation?

Harnessing responsible tech is your key.

→ You will inspire your team.
→ You will create lasting impact.
→ You will shape a better future.

Embrace responsible tech today.

And become a leader for tomorrow.

Let’s connect to turn your digital strategy into lasting impact.

Dr. Martha Boeckenfeld

A scientist just created universes in water droplets. 7 million people stopped scrolling to watch chemistry become art.

Each drop holds galaxies that last 30 seconds.

Think about that.

We teach chemistry as formulas and equations. Periodic tables to memorize. Reactions to predict. Meanwhile, yu3375349136 on Douyin drops copper sulfate into sodium silicate and creates cosmic storms visible at 50X magnification.

Chemistry was never meant to be boring. We just taught it wrong.

Traditional Science Education:
↳ Textbooks showing static diagrams
↳ Labs following prescribed outcomes
↳ Beauty stripped from discovery
↳ Wonder replaced with worksheets

The Droplet Revolution:
↳ Metal salts painting themselves
↳ Crystal gardens growing in real-time
↳ Chemical reactions as performance art
↳ Science that makes millions gasp

But here's what stopped me: 

These aren't special effects. They're copper and iron dancing. Sodium and sulfate 
creating. Every branching pattern follows the same laws that built your neurons, river deltas, and lightning bolts. The universe's signature, written in a water drop.

One macro lens. Basic chemistry. Infinite beauty.

What changes everything:
↳ Science becoming shareable art
↳ Chemistry class replaced with creation
↳ 7 million learning through awe, not obligation
↳ STEM meeting its missing half: wonder

The Multiplication Effect:

1 viral video = thousand kids asking "how?"
10 creators inspired = chemistry sets selling out
100 schools adopting = science phobia dissolving
At scale = a generation that sees equations as art supplies

We spent decades making science "serious."
This scientist spent minutes making it magical.

Because when a water droplet can hold more beauty than a museum, we're not just doing chemistry.

We're proving that curiosity and creativity are the same force.

Follow me, Dr. Martha Boeckenfeld for innovations where science meets soul.

♻️ Share if you believe wonder teaches better than textbooks ever could.

MIT just cleared 50% of Alzheimer's plaques using 40 Hz sound waves. No drugs. No surgery. Just precisely engineered frequencies making immune cells devour toxic proteins.

Frequency is becoming medicine's most powerful tool.

Think about that.

While we've spent decades failing with Alzheimer's drugs, MIT researchers discovered something extraordinary: exposing brains to 40 Hz gamma frequencies activates microglia—the brain's cleanup crew—to clear amyloid plaques naturally. Mice regained memory. Human trials are showing promise.

This isn't alternative medicine. It's FDA-approved precision.

Traditional Brain Treatment:
↳ Invasive surgery with months of recovery
↳ Drugs that barely slow decline
↳ Blood-brain barrier blocking 98% of medications
↳ Essential tremor requiring skull opening

The Frequency Revolution:
↳ 60% tremor reduction in one ultrasound session
↳ Same-day discharge, no incisions
↳ Drug delivery increased 5-fold to brain tumors
↳ 90+ clinical trials transforming neurology

But here's what stopped me cold:

Focused ultrasound doesn't destroy tissue—it tunes it. Opening the blood-brain barrier for exactly 4 hours to deliver chemotherapy. Synchronizing neurons at 40 Hz to trigger natural healing. Making Parkinson's tremors vanish while patients stay awake, go home that afternoon.

We're not attacking disease anymore. We're conducting it away.

What changes everything:
↳ Brain surgery without cutting
↳ Alzheimer's clearing without drugs
↳ Tumors targeted without systemic poison
↳ Healing through harmony, not harm

The Multiplication Effect:

1 frequency device = surgery avoided
10 hospitals equipped = tremor wards emptying
100 conditions targeted = non-invasive becomes standard
At scale = medicine's violent era ends

Stanford uses ultrasound for depression. Johns Hopkins for addiction. Mayo Clinic for brain tumors. Each discovering that precisely tuned frequencies can reprogram biology better than any drug.

We spent centuries cutting and poisoning disease.
Now we're tuning it out of existence.

Because when 40 Hz can clear plaques that billion-dollar drugs couldn't touch, and ultrasound can perform brain surgery without a scalpel, we're not just advancing medicine.

We're using medical precision.

Follow me, Dr. Martha Boeckenfeld for breakthroughs where physics becomes pharmacy.

♻️ Share if you want other to learn about new possibilities to fight Alzheimer.

Resources: Gamma frequency entrainment attenuates amyloid load and modifies microglia" Authors: Li-Huei Tsai et al. NatureDecember 2016 DOI: 10.1038/nature20587.
Gamma frequency sensory stimulation in mild probable Alzheimer’s dementia: Phase 2A pilot study" PLOS Biology, November 30, 2022
Evidence that 40Hz gamma stimulation promotes brain health,” Li-Huei Tsai, PLOS Biology, 2025.

A surgeon in France just fixed a beating heart in China. 10,000 kilometers. 200 milliseconds. Zero plane tickets.

Geography just stopped mattering for survival.

Think about that.

A 73-year-old man in Xiamen needed urgent cardiac intervention. The world's best surgeon for his condition sat in Bordeaux. In the past, that meant choosing between risky travel or accepting local limitations. Just a few days ago,  Professor Lionel Leroux picked up robotic controls in France and operated on a live human heart in China.

No simulation. Real blood. Real heartbeat. Real life saved.

Traditional Surgery Reality:
↳ Expertise trapped by geography
↳ Rural patients die waiting for specialists
↳ Top surgeons limited to one OR at a time
↳ Medical knowledge siloed by borders

The Borderless Revolution:
↳ 5G latency under 200 milliseconds
↳ Robotic precision across continents
↳ Surgeon in France, patient in China
↳ One hour procedure, zero travel

But here's what stopped me cold:

The patient's family watched a screen showing hands moving in France while their father's heart was being repaired in China. Local nurses monitored vitals. French expertise guided Chinese robots. Two nations, one heartbeat, connected by light traveling through fiber.

Dr. Wang Yan stood in Xiamen, watching his hospital make history. Professor Leroux sat in Bordeaux, feeling a Chinese heart through robotic feedback. Both knew: they'd just deleted distance from medicine.

What changes everything:
↳ War zones accessing top trauma surgeons
↳ Island nations getting mainland expertise
↳ One surgeon helping thousands globally
↳ Medical talent freed from location

The Multiplication Effect:

1 remote surgery = proof of concept
10 equipped hospitals = global OR network
100 trained surgeons = expertise everywhere
At scale = dying from distance becomes history

A child in rural Africa could have Stockholm's best neurosurgeon. A soldier in a field hospital could have Tokyo's top trauma specialist. Your grandmother in Iowa could have the world's leading heart expert from Mumbai.

We spent centuries accepting that where you're born determines if you survive.

Now survival depends on bandwidth, not birthplace.

Because when a beating heart in China can be fixed from a café in France, we're not just advancing surgery.

We're deleting distance from the mortality equation.

Follow me, Dr. Martha Boeckenfeld for breakthroughs where technology makes geography irrelevant.

♻️ Share if you believe the best medical care should be available to anyone with an internet connection.

_______________

Resources: China Daily, Hospital pioneers remote robotic surgery, November 3, 2025
YouTube, Chinese hospital performs world's first cross-border robot-assisted heart intervention (News segment, November 9, 2025)

Must consider: ScienceDirect, Feasibility and safety evaluation of remote robotic surgery (2025)

That record is made from trash. Coldplay's new vinyl contains 70% river plastic intercepted before it reached the ocean.

Nine bottles that would have killed sea turtles now carry "Yellow" to your speakers.

Think about that.

Every year, 8 million tonnes of plastic pour into our oceans. The Rio Las Vacas in Guatemala carries enough trash daily to fill three shipping containers. For decades, we've built barriers, launched cleanup vessels, pulled plastic from the Pacific.

Coldplay and The Ocean Cleanup just turned the problem into the product.

Traditional Vinyl Reality:
↳ Virgin PVC requiring toxic production
↳ Carbon footprint of a small factory
↳ Limited editions creating more waste
↳ Music industry adding to the problem

The River Plastic Revolution:
↳ 70% intercepted river plastic per record
↳ 85% carbon emission reduction
↳ Million kilograms prevented from reaching ocean
↳ Supply chain completely traceable

But here's what stopped me cold:

Engineers tested blend after blend, pushing river plastic to its absolute limit. 71% and the sound degraded. 69% left quality on the table. At exactly 70%, they found the sweet spot—audiophile-grade sound from Guatemala's garbage. Each "Moon Music" LP contains plastic from Interceptor 006, stationed where rivers meet the Gulf of Honduras.

What changes everything:
↳ Waste becomes raw material at scale
↳ Art funds environmental cleanup
↳ Fans buy impact, not just music
↳ Industry standards permanently shifted

The Multiplication Effect:

1 album = 25 tonnes virgin plastic prevented
10 artists following = industry transformation
100 interceptors funded = rivers running clean
At scale = ocean plastic becomes extinct

A teenager in Tokyo spins a record made from bottles that floated past villages in Guatemala. Those same bottles would have suffocated coral reefs. Instead, they're carrying music across the world.

We spent 50 years pressing music from petroleum.
Now we're pressing it from problems we're solving.

Because when river trash sounds better than virgin vinyl, we're not just cleaning oceans.

We're proving pollution was always just resources in the wrong place. 

We need to Say No to Plastic. Every action counts when current estimates in 2025 indicate that there are between 75 and 199 million tonnes of plastic in the world’s oceans. 

Follow me, Dr. Martha Boeckenfeld for innovations where waste becomes wonder.

♻️ Share if you believe we can change and stop the plastic to heal our planet.

The Ocean Cleanup

Japan's bullet trains kept creating sonic booms in tunnels. The solution came from a bird that never makes a splash.

Engineers studied 10,000 high-speed dives. Zero sonic booms.

Think about that.

Every time the original Shinkansen hit a tunnel at 200 mph, it compressed air like a piston. The exit boom shattered windows. Children couldn't sleep. Residents filed lawsuits. Speed limits threatened Japan's entire high-speed rail vision.

Then engineer Eiji Nakatsu watched a kingfisher pierce water. No splash. No ripple. Just seamless transition between two worlds.

Traditional Engineering Reality:
↳ Blunt-nosed trains creating tunnel bombs
↳ Communities suffering daily sonic assaults
↳ Massive energy waste fighting air resistance
↳ Millions of commuters facing speed restrictions

The Kingfisher Revolution:
↳ Beak-shaped nose cuts through air like water
↳ 10% faster speeds achieved
↳ 15% less electricity consumed
↳ Sonic booms eliminated entirely

But here's what stopped me cold:

This wasn't just about noise. 15% less energy means 200,000 fewer tons of CO2 annually. 10% faster speeds means 5 million more people can live outside expensive cities and still commute. Silent tunnels mean 100,000 families sleep through the night.

One bird's beak reshaped how 120 million Japanese move daily.

What changes everything:
↳ Quiet trains = communities thriving near tracks
↳ Energy savings = climate goals achievable
↳ Faster connections = rural towns surviving
↳ Nature's solutions = humanity's future

The Multiplication Effect:

1 bird studied = millions sleeping peacefully
10% speed increase = nationwide economic access
15% energy saved = generations breathing cleaner air
At scale = transportation without environmental violence

A grandmother in Osaka no longer covers her ears when trains pass. A family in rural Kyoto can afford to stay because Tokyo is now reachable. The planet gets 200,000 tons less carbon because a bird showed us how to move through space.

We spent a century forcing our way through physics.
A kingfisher taught us to flow with it.

Because when one bird's design can improve 120 million lives while healing the planet, you realize:

Every species carries blueprints for human problems. We just forgot to ask.

Follow me, Dr. Martha Boeckenfeld for innovations where nature saves both progress and people.

♻️ Share if you believe biomimicry is humanity's smartest teacher.

A single mother just built a floating bamboo house after leaving her alcoholic husband. It protects her family from floods year-round.

She harvested the bamboo from local forests.

Think about that.

She left her angry, alcoholic husband and faced homelessness with her child. Hunger. Nights in abandoned shelters. Trading firewood and working odd jobs just to eat. Then a neighbor gifted her unused wetland—land that floods, land nobody else wanted.

She turned worthless land into a floating home.

Traditional Flood Housing Reality:
↳ Concrete homes crack and sink
↳ $30,000+ for flood-resistant construction
↳ Families displaced for months
↳ Insurance doesn't exist for the poor

The Bamboo Revolution:
↳ DIY builds: $500-$5,000
↳ Build time: 4 hours to 4 weeks
↳ Survives 10-meter flood rises
↳ Materials harvested from local forests

But here's what stopped me cold:

With help from village elders and her own tenacity, she harvested bamboo from local forests, gathered recycled rope, and began constructing a floating home by herself. Bamboo walls woven from harvested strips. Anchored with local vines and tree roots. A resilient cabin that floats year-round.

Her house floats on river currents. It doesn't fight the water—it moves with it.

Now her story inspires other single mothers and local students to join bamboo building projects. What started as survival became lessons in environmental stewardship and creative problem solving.

What changes everything:
↳ Unused wetland becomes livable
↳ Ancient techniques solve modern floods
↳ STEM learning through bamboo construction
↳ Communities celebrating ingenuity over wealth

The Multiplication Effect:

1 floating home = one family protected year-round
10 mothers inspired = new builders learning
100 bamboo projects = engineering education without classrooms
At scale = resilience spreading across Asia

Commercial floating homes cost $30,000-$60,000. She built hers for a fraction of that using bamboo, rope, and knowledge from village elders.

We spent centuries building against floods.
She's living proof we can build with them.

Because when one mother's perseverance becomes a symbol of resilience across Asia, you realise:

The most sophisticated solutions come from necessity, not Big Tech.

Follow me, Dr. Martha Boeckenfeld for innovations where survival teaches engineering.

♻️ Share if you believe traditional wisdom and nature can solve our crisis.

LED lights just killed 92% of cancer cells in 30 minutes. No chemotherapy. No radiation. Just light and tin oxide nanoflakes.

The healthy cells next door? Completely unharmed.

Think about that.

Every year, 10 million people endure chemotherapy that attacks their entire body to reach one tumor. Hair falls out. Organs suffer. Immune systems collapse. We've accepted this barbaric trade-off for decades—poison everything to save something.

Scientists just proved we don't have to.

Traditional Cancer Treatment:
↳ Chemotherapy poisons your whole body
↳ Radiation burns healthy tissue
↳ $150,000 average treatment cost
↳ Months of devastating side effects

The Light Revolution:
↳ LED light + tin oxide = targeted destruction
↳ 92% skin cancer cells eliminated in 30 minutes
↳ Zero damage to healthy cells
↳ Costs less than your phone charger

But here's what stopped me cold:
This isn't some million-dollar laser system. It's LED lights—the same technology in your desk lamp. The tin oxide nanoflakes act like tiny solar panels, converting light to heat only where cancer lives. Your tumor gets cooked. Your body stays cool.

Water-based. No toxic solvents. Scalable today.

What changes everything:
↳ Cancer clinics in rural villages
↳ Home treatments becoming possible
↳ No more choosing between cancer and quality of life
↳ Precision medicine for pennies, not fortunes

The Multiplication Effect:
1 LED device = one life saved without suffering
10 clinics equipped = chemotherapy wards emptying
100 countries adopting = cancer's cruelty obsolete
At scale = we stop fighting cancer with poison

Early results from clinical studies show extraordinary promise for cancers like skin, breast, and lung tumors, marking a potential revolution in oncology.

We spent 50 years perfecting ways to almost kill patients to cure them.
Now we're learning to heal with light.

Because when you can delete cancer cells like pressing a switch, you're not just treating disease.

You're deleting suffering from medicine itself.

Follow me, Dr. Martha Boeckenfeld for breakthroughs that make healing humane again.

♻️ Share if for people to learn more about new cancer treatments.

📄 RESEARCH PAPER
Jean Anne Incorvia et al., "SnOx Nanoflakes as Enhanced Near-Infrared Photothermal Therapy Agents Synthesized from Electrochemically Oxidized SnS2 Powders", ACS Nano (2025)

We're removing millions of kg of ocean plastic. Yet, every Christmas, we risk adding it all back in just 4 weeks.

Consider this: a significant portion of wrapped gifts under your tree could contribute to ocean plastic, potentially harming marine life.

Think about that.

A marine biologist recently shared a heartbreaking story: a young green sea turtle was found with plastic tinsel in its intestine. This tinsel, likely from a previous holiday season, had floated for years, breaking into pieces that tragically resembled the jellyfish the juvenile turtle naturally eats.

Traditional Christmas Reality:
↳ 25-30% waste spike every December
↳ 100,000+ tonnes of plastic packaging in weeks
↳ Half of sea turtles already have plastic inside
↳ Glittery wrap and ribbons: 100% non-recyclable

The Cleanup Revolution:
↳ AI-powered systems removing millions of kg yearly
↳ Smart booms intercepting river plastic
↳ Coastal cleanups scaling globally
↳ But plastic production growing 3x faster than we can clean

But here's what stopped me cold:

We have interceptor systems pulling tonnes from rivers daily. AI spotting garbage patches from satellites. Thousands of volunteers on beaches. Yet one Christmas season generates more plastic waste than some cleanup projects remove all year.

The numbers are stark. A turtle ingesting just one piece of plastic faces 22% mortality risk. At 14 pieces, it's 50-50 whether they survive. During holiday season, coastal plastic concentrations spike. More bags. More wrappers. More death sentences floating on currents.

What changes everything:
↳ Reusable gift bags instead of plastic wrap
↳ Paper tape, not plastic adhesive
↳ Natural decorations over plastic glitter
↳ Supporting cleanup tech with prevention

The Multiplication Effect:

1 family switching to reusables = 20kg less ocean-bound plastic
10 neighborhoods coordinating = tonnes diverted from waterways
100 companies changing packaging = supply chains transforming
At scale = Christmas without casualties

A child opens presents wrapped in fabric that gets reused for decades. A turtle encounters seaweed instead of cellophane. The same AI tracking ocean plastic shows volumes dropping instead of surging each December.

We spent decades perfecting ocean cleanup technology.
Now we need to stop filling it faster than we empty it.

Because when you can remove millions of kg of plastic, only to add it all back every Christmas, you realise:

The most advanced cleanup system isn't in the ocean.

It's in your gift-wrapping choices.

Follow me, Dr. Martha Boeckenfeld for innovations where individual action amplifies technology.


♻️ Share Share this message to raise awareness and help us protect the oceans for the generations to come.
 
Thanks to Tim Gray who collaborated with me to show the beauty of the oceans and marine live we need to protect. (by Breakout Clips). Save the Oceans and Say No To Plastic.

A biodegradable patch covered in tiny needles just taught damaged hearts to heal themselves. In animal studies, it cut scarring dramatically.

Cardiovascular disease kills 18 million people yearly. Most heart attack survivors live diminished.

Think about that.

After a severe heart attack, up to 30-50% of your left ventricle can turn to scar. Dead muscle that can't pump blood. Can't regenerate. You go from independent to dependent. From climbing stairs to stopping halfway, chest heaving.

Texas A&M scientists just changed the script—in animal models.

Traditional Heart Attack Reality:
↳ Severe cases: 30-50% of heart muscle becomes scar
↳ Progressive heart failure follows
↳ Lifelong limitations accepted
↳ Damage control, not repair

The Microneedle Revolution:
↳ IL-4 delivered directly into damaged tissue
↳ Immune cells switch from scarring to healing
↳ New blood vessels form
↳ Heart function improves (in animals)

But here's what stopped me cold:

The patch is simple: a biodegradable film with dozens of microscopic needles, each loaded with IL-4 particles. Press it on the heart's surface. Needles pierce, dissolve.

The IL-4 reprograms macrophages—the immune cells that normally create scars. Instead of laying down rigid collagen, they promote healing. Create blood vessels. Support surviving muscle cells. The patch biodegrades over weeks, sustaining the treatment.

Currently requires chest surgery. But researchers are developing versions that could unfold inside the body, delivered through catheters.

What changes everything:
↳ Heart damage potentially becomes reversible
↳ Intervention during surgery, not after
↳ Localized treatment, not systemic
↳ Hope where there was resignation

The Multiplication Effect:

1 successful human trial = treatment paradigm could shift
10 hospitals adopting = thousands potentially avoiding heart failure
100 refinements = minimally invasive standard care possible
At scale = heart attacks without permanent damage (potentially)

A person has a heart attack. During treatment, surgeons place a patch. Weeks later, instead of learning to live with limitations, they could be recovering function. Not managing decline—potentially reversing it.

We spent 50 years accepting that heart muscle can't regenerate.
Animal studies suggest we might have been wrong.

Because when you can flip immune cells from destroyers to builders, you're not just treating heart attacks.

You're potentially preventing the permanent damage they cause.

Follow me, Dr. Martha Boeckenfeld for innovations which impact humanity. 

♻️ Share if you believe heart repair should replace heart failure.

Resource: Tiny microneedle patch dramatically improves heart attack recovery. 

ScienceDaily, 20 November 2025, summarizing a peer‑reviewed study on an IL‑4–loaded biodegradable microneedle cardiac patch in animal models. Image adapted.

A weed in your backyard just killed 90% of colon cancer cells in 48 hours. It left healthy cells untouched.

But this was in a petri dish. The real story is even more fascinating.

Think about that.

For decades, we've spent billions engineering synthetic molecules in sterile labs, irradiating patients until they can't eat, poisoning bodies to kill tumors. 

Meanwhile, dandelion root extract—from the same plant you curse every spring—destroys cancer cells in lab studies while healthy tissue remains intact.

The research, led by Dr. Siyaram Pandey at the University of Windsor, tested aqueous dandelion root extract (DRE) on colon cancer cell lines HT-29 and HCT116 in laboratory conditions. The extract selectively triggered apoptosis in cancer cells while leaving normal colon mucosal cells unharmed.⁠

Traditional Cancer Treatment:
↳ Chemotherapy kills everything, hopes you survive
↳ $10,000+ per month for patented drugs
↳ Healthy cells die alongside cancer
↳ Resistance develops, options vanish

The Dandelion Discovery (Lab Studies):
↳ 90% colon cancer cell death in 48 hours (in vitro)
↳ Works on p53-mutant cancers (the resistant ones)
↳ Healthy cells unharmed in studies
↳ Grows free in yards worldwide

But here's what stopped me cold:

The extract triggers multiple death pathways simultaneously—caspase-dependent and independent mechanisms. Cancer cells can't escape because they're being attacked from angles they can't defend. Even cells missing the p53 gene—usually untouchable—give up. 

Mouse studies showed tumor shrinkage. 

Yes, it's early research. No large human trials yet. But the principle changes everything.

What changes everything:
↳ Common plants might hold molecular secrets
↳ Patient-driven research challenging pharma monopolies
↳ Affordable treatments could grow wild
↳ Nature's 30-million-year R&D might beat our labs

The Multiplication Effect:

1 weed studied = new possibility discovered
10 common plants tested = treatment paradigm shifts
100 natural compounds explored = new therapeutic arsenal
At scale = we remember medicine's  roots

A plant that survived millions of years of evolution might carry instructions for killing aberrant cells. 

Nature might have been solving it through survival all along.

Because when lab studies show a common weed doing what billion-dollar drugs struggle with, you realize:

Some answers might be growing wild. We just need rigorous science to prove what ancient wisdom suggested.

Follow me, Dr. Martha Boeckenfeld for breakthroughs where nature inspires tomorrow's medicine.

♻️ Share if you believe we should study nature as carefully as we study synthetics.

Source: Dandelion Root Extract Affects Colorectal Cancer Proliferation and Survival Through the Activation of Multiple Death Signalling Pathways. Evidence-Based Complementary and Alternative Medicine.

A black hole just ate a star 30 times bigger than our Sun. The flash was 10 trillion suns bright.

We watched it happen from 10 billion light-years away.

Think about that.

When this light began its journey to Earth, our solar system didn't exist. Single-celled life hadn't even formed. But scientists at Caltech just captured this ancient violence in real-time, watching a supermassive black hole tear apart a star larger than anything in our galaxy.

The flare brightened 40-fold in months. Still visible after seven years. Still feeding.

Traditional Cosmic Events:
↳ Supernovae lasting weeks or months
↳ Black holes invisible except by inference
↳ Star deaths hidden in darkness
↳ Records measured in millions, not trillions

The Monster Event:
↳ 30 times brighter than any previous flare
↳ Star 30 times our Sun's mass being shredded
↳ 500 million solar masses doing the eating
↳ Seven years and counting of cosmic digestion

But here's what stopped me cold:

The lead researcher called it "a fish only halfway down the whale's gullet." We're not seeing the aftermath. We're witnessing the meal itself—a star being stretched like taffy across spacetime, its atoms screaming light as they spiral toward oblivion.

The Zwicky Transient Facility caught the first flash. Then telescopes worldwide turned to watch. Every major observatory on Earth pointed at the same spot. We're watching physics break things we didn't know could break.

What changes everything:
↳ Stars grow far larger than models predicted
↳ Black holes shape galaxies through destruction
↳ Ancient light arrives perfectly preserved
↳ Cosmic violence happens in slow motion

The Multiplication Effect:

1 detection = textbooks obsolete
10 observatories = unprecedented collaboration
100 similar finds = galaxy formation solved
At scale = the universe becomes readable

A grad student spotted light older than Earth. That photon traveled 10 billion years through expanding space, past forming galaxies, through cosmic voids, to hit a detector built by a species that's existed for 0.003% of its journey.

We spent centuries thinking black holes were theoretical.
Now we're watching them feed.

Because when you witness events from before your planet formed, you realise something deeper:

The universe keeps perfect records. We just start to understand, Earth is just a small part of something much bigger. 

Follow me, Dr. Martha Boeckenfeld for discoveries that rewrite what we know about existence.

♻️ Share if the scale of the universe still makes you pause.


Resources: An extremely luminous flare recorded from a supermassive black hole. Nature Astronomy, 4 November 2025

NBC News, Nov. 4, 202: The light of 10 trillion suns: Scientists report the biggest black hole flare ever recorded.

31,000 families waited years for answers about their children's mysterious illnesses. An AI just ranked the right mutation at the top in 98% of solved cases—within minutes.

Each child carried a single genetic typo that no one could read.

Think about that.

Imagine watching your child struggle with seizures, developmental delays, profound disabilities—and after years of testing, every specialist shrugs. You're told it's genetic, but among 3 billion DNA letters, no one can find which one is broken. Meanwhile, your child can't speak, can't walk, can't tell you where it hurts.

Harvard Medical School just gave many of these families what they've been begging for: answers.

Traditional Genetic Diagnosis Reality:
↳ Years of inconclusive testing
↳ Hundreds of candidate mutations per genome
↳ AlphaMissense flagging 44% of healthy people with severe variants
↳ Families trapped in diagnostic odysseys

The PopEVE Revolution:
↳ Ranks causal mutation as top hit in 98% of solved cases
↳ 123 new candidate disease genes discovered
↳ Only 11% of healthy population flagged (vs 44%)
↳ One scale across all human proteins

But here's what stopped me cold:

PopEVE doesn't just find mutations—it ranks them. In a sea of genetic variants, it points straight at the one most likely causing your child's suffering. It combines evolutionary data from hundreds of thousands of species with human population variation to understand which changes really matter.

For ultra-rare conditions—sometimes seen in just one or two children worldwide—this changes everything. Traditional diagnosis needs multiple similar cases. PopEVE can prioritize the culprit from a single child's genome, even without parents' DNA.

What changes everything:
↳ Diagnostic odysseys ending in days, not decades
↳ Treatment plans starting years earlier
↳ Fairer variant scoring for underrepresented populations
↳ Single-patient disorders becoming diagnosable

The Multiplication Effect:

1 diagnosis = one family's nightmare ending
10 new genes = therapeutic pathways opening
100 rare diseases solved = precision medicine for the forgotten
At scale = fewer children as "medical mysteries"

Today, families still wait 5-10 years for rare disease diagnoses. Tools like PopEVE mean answers could appear in a child's first genetic scan—not after a lost decade.

We spent decades telling families "we don't know."
Now AI reads what human eyes couldn't see.

Because when you can decode the rarest diseases in the smallest patients, you're not just advancing medicine.

You're deleting "medical mystery" from childhood suffering.

Follow me, Dr. Martha Boeckenfeld for breakthroughs where AI helps humanity. 

♻️ Share if you believe every family deserves answers about their child's condition.

Resource: Nature Genetics paper: Proteome-wide model for human disease genetics (Harvard / CRG popEVE model). 
Image adapted from: Harvard Medical School Article New Artificial Intelligence Model Could Speed Rare Disease Diagnosis, Nov 24, 2025

Star Catcher just set a 1.1 kW power‑beaming record at NASA’s Kennedy Space Center using space-designed hardware. We'll need 5 times more electricity by 2050. The Sun never sets up there.

Geography just stopped mattering for energy.

Think about that.

Every year, global electricity demand grows 2.6%. Data centers alone consume as much power as entire nations. AI training runs burn through megawatts. Electric vehicles multiply. Meanwhile, we're still burning coal to keep the lights on while the Sun wastes 174,000 terawatts on empty space every second.

Star Catcher just proved we can catch it.

Traditional Energy Reality:
↳ Solar farms eating millions of acres
↳ $200 billion spent on grid infrastructure yearly
↳ Nighttime and weather killing reliability
↳ 2 billion people still without electricity

The Space Power Revolution:
↳ 1.1 kW beamed down, breaking DARPA's 800W record
↳ Multi-wavelength lasers hitting standard solar panels
↳ 24/7 collection above Earth's atmosphere
↳ 2-10x more power than ground-based systems

But here's what stopped me cold:

We're about to triple electricity consumption—from 27,000 TWh today to 130,000 TWh by 2050. Every new AI model, every electric car, every data center adds to the load. Traditional renewables can't scale fast enough. Nuclear takes decades to build.

But a solar collector in space? It sees the Sun constantly. No clouds. No night. No seasons. Just pure, unfiltered energy streaming down to wherever needs it most. A village in Africa. A disaster zone in Japan. Your neighborhood during a blackout.

Star Catcher's orbital demo launches in 2026. Full space grid expected by 2030.

What changes everything:
↳ Remote regions getting instant grid access
↳ Disaster recovery with beamed emergency power
↳ Data centers powered without land destruction
↳ Clean energy literally falling from the sky

The Multiplication Effect:

1 orbital demo = proof of physics
10 satellites deployed = cities running on space power
100 collectors in orbit = fossil fuels obsolete
At scale = energy poverty becomes history

A child in rural India studies under lights powered by satellites. A hospital in Haiti operates through hurricanes with space-beamed electricity. The same data centers training tomorrow's AI run on sunlight collected where weather doesn't exist.

We spent 50 years putting solar panels on roofs.
Now we're putting them where the Sun never sets.

Because when you can beam unlimited clean energy from space to Earth, you're not just solving the energy crisis.

You're deleting scarcity from the human equation.

Follow me, Dr. Martha Boeckenfeld for breakthroughs where space solves Earth's biggest problems.

♻️ Share if you believe abundant clean energy should reach everyone on Earth.

Resource: New Atlas, Star Catcher Sets 1.1-kW Power Beaming Record. Nov, 20th, 2025

Scientists just deleted the extra chromosome in Down syndrome cells. 13% of treated cells went from three copies to two—partially resetting their genetic code.

In a lab dish, not a person. But still.

Think about that.

Japanese researchers used CRISPR like a genetic eraser, targeting only the surplus chromosome 21. They removed it completely from human Down syndrome cells in the lab for the first time.

The cells started behaving differently. Overactive genes calmed down. Brain development genes became more active. Gene expression moved toward typical levels—not perfect, but closer.

Traditional Down Syndrome Reality:
↳ 1 in 700 births worldwide
↳ Extra chromosome 21 considered permanent
↳ Families navigating complex medical needs
↳ Prenatal screening, difficult decisions

The CRISPR Breakthrough:
↳ Allele-specific targeting of just one chromosome
↳ 13% baseline success (up to 30% with modifications)
↳ Works in both stem and skin cells
↳ Gene expression shifts toward typical

But here's what stopped me cold:

They made multiple cuts along the targeted chromosome—like perforating paper before tearing. The cell's own machinery then discarded the damaged chromosome during division. When they cut all three chromosomes non-specifically? Cell survival plummeted.

The technique works in non-dividing cells too. That opens theoretical doors—tissues that stopped multiplying years ago. Still far from any real application.

What changes everything:
↳ Proof that trisomy can be reversed at cellular level
↳ Method could theoretically adapt to trisomies 13 and 18
↳ From managing symptoms to addressing cause—in cells

The weight of this sits heavy:

Many families cherish their children exactly as they are while hoping for fewer medical complications. The disability community asks: Are we editing away diversity or suffering?

No embryos. No fetuses. No humans. Just cells in dishes. Safety concerns—structural variants, genome damage—mean any therapy remains more research, more trials. 

The Multiplication Effect:

1 successful cell line = proof of concept
10 research teams refining = safety barriers to solve
At scale = questions we're not ready to answering

We spent decades accepting chromosomal conditions as unchangeable.
Now CRISPR shows they might not be—at least in a petri dish.

Because when you can subtract an entire chromosome from a living cell, you're not just editing genes.

You're rewriting what we thought was permanent.

Follow me, Dr. Martha Boeckenfeld for innovations where science meets ethics.

♻️ Share if you believe medical breakthroughs need wisdom, not just possibility.

Resource: Trisomic rescue via allele-specific multiple chromosome cleavage using CRISPR-Cas9 in trisomy 21 cells. PNAS Nexus, 2025

500 students share one computer in Niger. Yet they're conducting advanced physics experiments that students at elite schools can't access.

The secret? WebAR turning basic smartphones into portable STEM labs.

Think about that.

In Sub-Saharan Africa, fewer than 10% of schools have internet. Student-to-computer ratios hit 500:1. Yet mobile subscriptions jumped from single digits to 80% in a decade. Students already carry the infrastructure—we just weren't using it right.

Traditional EdTech Reality:
↳ VR headsets: $300+ per student
↳ Heavy apps requiring 5G speeds
↳ Labs costing millions to build
↳ Rural schools: permanently excluded

The WebAR Revolution:
↳ Runs in any browser, optimized for 3G
↳ No app store, minimal storage
↳ Science scores improving 10-15%
↳ Every smartphone becomes a laboratory

But here's what grabbed me:

A physics teacher in rural South Africa has one broken oscilloscope. No budget. Her students scan printed markers, and electromagnetic fields pulse across their desks. They run experiments infinitely—no equipment damaged, no reagents consumed.

One student told her: "Engineering is for people like me now. The lab fits in my pocket."

What changes everything:
↳ Mobile-first matches actual connectivity
↳ Browser-based works offline
↳ Teachers need training, not new buildings
↳ Inequality becomes irrelevant

The Multiplication Effect:

1 teacher with markers = 30 students experimenting
10 schools sharing content = communities transformed
100 districts adopting = educational equality emerging
At scale = STEM education without infrastructure gaps

We spent decades waiting for labs that won't arrive.
Now any browser becomes one.

Because when a student in rural Africa explores the same 3D molecules as someone at MIT—using the phone already in their pocket—you realize:

WebAR isn't shiny technology.

It's a quiet equaliser making world-class STEM education fit into 3G connections and $50 phones.

Follow me, Dr. Martha Boeckenfeld for innovations where accessibility drives transformation.

♻️ Share if you believe quality education shouldn't require perfect infrastructure.

Japan built a room where you weigh 38 pounds. Your body thinks you're on Mars. 140 million visitors now know what other planets feel like.

Not in VR. In actual gravity chambers.

Think about that.

At Saga's space museum, a 7-year-old girl walks across the lunar surface. Her muscles work at 1/6th power. Her brain recalibrates balance. When she exits after an hour, she asks her mother: "Why can't I go there for real?"

Her mother has no answer. Because there isn't one anymore.

Traditional Space Education:
↳ Textbooks with planet diagrams
↳ Plastic models on shelves
↳ Documentary footage
↳ Space as distant concept

The Physical Space Revolution:
↳ Gravity chambers simulating Moon/Mars
↳ Zero-g cycling that fools your inner ear
↳ Astronaut training open to public
↳ 40 million international visitors annually

But here's what stopped me cold:

That girl's muscles now remember the Moon. Not from watching. From walking. Her body has data her grandmother's generation could only imagine. She doesn't want to be an astronaut—in her mind, she already was one.

Meanwhile, the same space programs building these experiences already changed medicine. Hubble telescope tech now detects breast cancer. Diagnostic tools built for astronauts became the MRI and CT scans saving lives today. Telemedicine designed for space stations connects rural patients to specialists 10,000 miles away.

Space exploration doesn't just create astronauts—it creates survivors.

When kids physically experience Mars gravity, education insights tell us that 3x more pursue STEAM careers. When adults feel zero-g, they stop seeing space as fiction. When they learn their cancer was caught by space technology, they appreciate the exploration. 

What changes everything:
↳ Space becomes body memory, not theory
↳ NASA tech saves lives in hospitals daily
↳ ¥6.9 trillion tourism economy funding innovation
↳ Every visitor becomes space advocate

The Multiplication Effect:

1 child in Mars gravity = future mission specialist
10 space technologies = thousands alive today
100 million experiencing annually = STEAM education for millions
At scale = more innovation for healthcare 

An engineer from Brazil floats next to a teacher from Kenya. A Tokyo grandmother watches her grandson defy gravity. In the next building, someone's tumor gets spotted by Hubble's offspring.

We spent 50 years showing people rockets.
Japan spent 10 years making people experience different planets. 

Because when we experience space and learn about the planets, we get more education and innovation for the challenges we have on planet Earth. 

We're already living in space's future.

Follow me, Dr. Martha Boeckenfeld for innovations where tomorrow saves today.

♻️ Share if you believe feeling space changes everything.

The greatest fear isn't AI—it's staying in the dark.

While we debate AI's risks, it's already illuminating humanity's biggest challenges.

Think about that.

In Healthcare:
↳ AI detected breast cancer with 99% accuracy, spotting what human eyes missed
↳ Reduced diagnostic errors by 85% in critical care
↳ Predicted heart attacks 4 hours before they happened

In Fighting Poverty:
↳ AI weather forecasting helped 500,000 Indian farmers optimize crops
↳ Microfinance algorithms gave 2.2M people first-time banking access
↳ Smart distribution cut food waste by 40% in major cities

In Scientific Discovery:
↳ Accelerated drug discovery from 5 years to 9 months
↳ Mapped climate patterns with 94% accuracy
↳ Decoded previously unsolvable protein structures

But here's what stopped me cold:

AI isn't replacing human wisdom—it's amplifying our ability to solve problems we couldn't see before. The World Economic Forum projects AI could lift 500M people out of poverty by 2030.

Yet who decides which problems get illuminated? Which communities get the algorithms? Which diseases get the computing power?

Dr. Cara Antoine—Executive VP & Chief Technology Innovation Officer at Capgemini—and I are tackling the questions that determine who benefits:

Can AI reveal abilities we didn't know we had?
Only if we teach it where to look. Dr. Antoine proved at Capgemini: diverse teams catch 3x more patterns.

Where will disruption hit hardest?
Healthcare first. Then courts. Schools. Places where bias kills.

How do we ensure AI serves everyone?
Not by asking permission. By delivering results. Dr. Antoine did both.

What if the wrong people control the light?
Then 500M stay in poverty. 

The Multiplication Effect:

1 inclusive AI team = blind spots eliminated
10 diverse perspectives = patterns nobody expected
100 global voices = no community left behind
At scale = humanity's problems become visible, then solvable

We're not debating whether AI will change our world.

We're deciding who gets to see in the light.

Dr. Martha welcomes Dr. Cara Antoine tomorrow for The Edge of Tomorrow.

Find out more tomorrow at 4pm CET: 
https://lnkd.in/d-EMY8AN

Because the question isn't whether AI has power.

It's whether that power reaches you.

Follow me, Dr. Martha Boeckenfeld for conversations about who shapes tomorrow.

♻️ Share if you believe AI's light should reach everyone.

Credit to: doesatwork on Insta. Artist: João Gonçalves

Executive Vice President | Chief Technology, AI, Innovation & Portfolio Officer | Non-Exec Board Leader | Keynote Speaker | 2x Bestselling Author | Humanity*Tech | European Women on Boards | Women in Tech®

Capgemini

2 million people wait for bone marrow transplants that never come. Swiss scientists just made the wait obsolete.

They grew a fully functional "blood factory" in the lab. Stem cells, mineral scaffolds that mirror real bone structure, and 3D tissue engineering that recreates your body's natural blood production system.

The lab-grown marrow produces every blood cell type your body needs. Red cells carrying oxygen. White cells fighting infection. Platelets stopping bleeding. Sustains production for weeks without stopping. Creates perfect matches from your own cells - no more searching 8 million donor registries worldwide.

A 6-year-old with leukemia gets treatment in weeks, not years.

What changes everything:
↳ 500,000 children stop waiting while their bodies weaken
↳ Cancer treatments tested on your personal lab-grown marrow first
↳ Rural hospitals access the same cures as major medical centers  
↳ Siblings freed from the guilt of not being genetic matches
↳ Transplant success rates jump from 65% to near-perfect compatibility

The research is still preclinical, but the breakthrough is real. When your body's blood factory fails, science builds you a replacement that knows exactly what you need.

2 million people waiting becomes 2 million people healing.

Follow me, Dr. Martha Boeckenfeld for innovations where lab-grown hope saves real lives.

♻️ Share if you believe no one should die waiting for a donor.

📄 RESEARCH PAPER
Qing Li et al., “Macro-scale, scaffold-assisted model of the human bone marrow endosteal niche using hiPSC-vascularized osteoblastic organoids,” Cell Stem Cell (2025), doi: 10.1016/j.stem.2025.10.009​

Image adapted from the study: Scanning electron microscopy image of the engineered 3D bone marrow tissue colonized with human blood cells (red). (Image: Andrés García García, University of Basel, Department of Biomedicine)

A Chinese woman makes linen dresses from plants. Students in Vermont grow their own scarves from seeds.

Fashion's future grows in school gardens.

Think about that.

Li Ziqi harvests flax, spins thread, weaves cloth—20 million followers watch her turn plants into clothing. Now students from Berlin to Bangkok don't just watch. They grow, harvest, and wear their own creations.

Traditional Fashion Reality:
↳ Cotton: 7,000-29,000 litres water per kg
↳ Synthetic fabrics persist centuries 
↳ 92 million tonnes waste yearly
↳ Students memorize "sustainability"

The Plant-to-Cloth Revolution:
↳ Flax thrives on rainfall alone
↳ Seed to harvest: 100 days
↳ One hectare absorbs 3.7 tonnes CO₂
↳ Zero waste—every part has purpose

What grabbed my attention:

A Vermont middle schooler spent 8 months growing flax, retting stems, spinning fibres, weaving fabric. When she wore her handmade scarf to school, her classmates couldn't stop touching it. Seeds became clothing. Abstract became real.

Rural Chinese women turn farm waste into viral haute couture—peanut shells, corn husks, grape skins for dye. Each video proves clothing doesn't need factories. Just plants, patience, and hands that remember ancient methods.

The process: Pull flax at 90cm. Ret in water. Break woody stems. Comb fibres. Spin. Weave. Students learn biology through growing, chemistry through retting, physics through spinning, history through craft.

What changes everything:
↳ Circular economy becomes muscle memory
↳ STEM meets traditional craft
↳ Local materials, global inspiration
↳ Students design what earth can sustain

The Multiplication Effect:

1 student growing cloth = visceral understanding
10 schools with gardens = communities reconnecting  
100 programs worldwide = new generation of designers
At scale = fashion without destruction

A Tokyo teen experiments with bamboo fibres. Lagos design students test local plants. Iowa grandmothers teach TikTok followers to spin—skills nearly lost, suddenly trending.

We assumed fashion needed petroleum or massive water.
Chinese craftswomen show us a garden is enough.

When kids grow their own clothes—seed to garment—they don't study sustainability.

They live it.

Follow me, Dr. Martha Boeckenfeld for innovations where ancient wisdom shapes tomorrow's education.

♻️ Share if you believe students learn best by creating with nature.

Video seen at Olawale Kolawole

A penny-sized patch just replaced daily insulin injections. No needles. No pain. Just 12 hours of automatic glucose control.

21 million Americans with diabetes are watching the beginning of freedom.

Think about that.

Every day, millions wake up to finger pricks, insulin calculations, and the constant fear of getting it wrong. One miscalculation means coma. One forgotten injection means organ damage. Parents set alarms at 2 AM to check their child's blood sugar.

UNC-Chapel Hill and NC State just proved suffering isn't mandatory—with microneedles thinner than an eyelash.

Traditional Diabetes Reality:
↳ 4-6 daily injections minimum
↳ 10+ finger pricks for monitoring
↳ Constant mental math and anxiety
↳ Social stigma of public injections

The Smart Patch Today:
↳ 12 hours of automatic insulin delivery
↳ Real-time response to blood sugar
↳ Painless microneedles you can't feel
↳ No more morning and evening injections

But here's what stopped me cold:

This patch thinks so patients don't have to. Blood sugar rises after a normal meal? Insulin releases. Automatically. Precisely. Silently. No calculations, no guessing, no panic about getting the dose wrong.

Yes, it's just 12 hours today. Researchers are pushing for patches that last days, even a week. But those 12 hours? That's half your waking life without needles. That's sleeping through the night. That's a workday without bathroom injections.

What changes everything:
↳ Morning routine without needles
↳ Workdays without injection breaks
↳ Social meals without public syringes
↳ 50% fewer painful moments today

We spent a century asking patients to manually manage what their body couldn't.
Now we're automating the burden away—12 hours at a time.

Because when a patch the size of a penny can think like a pancreas, even for half a day, we're not just improving diabetes care.

We can start to help people manage their lives. 

Follow me, Dr. Martha Boeckenfeld for breakthroughs that replace medical burdens with intelligent solutions.

♻️ Share if you want other people to learn more about insulin treatments without needles. 

Resource: University of North Carolina & North Carolina State University – Smart Insulin Patch Research Update (2025)

"Cashless: China's Digital Currency Revolution" and "Innovation Lab Excellence"

Cashless is the first and only book that dives deep into the design and use of China’s new central bank digital currency. This represents a roadmap for our shared digital currency future and a long-term threat to US dollar dominance. 

China is changing the very nature of money and borrowing heavily from cryptocurrency to cement its role as the world’s financial technology leader.

Cashless is written by the best-selling author of Innovation Lab Excellence, an award-winning expert in fintech innovation, career banker, and technology expert who has experienced China’s cashless revolution firsthand as a former US resident living in China. It reveals how:

●	China’s digital currency can help you better predict and navigate the cashless future coming to the US and the world
●	Your company may be tempted to use China’s digital currency to make cross-border payments
●	The EU, UK, Japan and India are developing digital currencies
●	Digital payment will change our relationship with money and promote financial inclusion

Cashless shows you the future. It offers a comprehensive analysis of China’s digital payment systems so that you can better prepare for the rise of digital currencies. 

It is a must-read for all business leaders and professionals looking for a decided competitive advantage.

Innovation Lab Excellence is a must read if you manage an innovation lab, work in one, or are a business manager engaged with one.  Available globally on Amazon, Innovation Lab Excellence is getting 5 star reviews from readers.

Best Selling Author

FinTech, AI and Innovation Consultant

Consultant to start-ups and established players in insurance and asset management.  I help them navigate the uncharted waters associated with the latest cognitive, AI, blockchain and analytic technologies.  Great at cutting through the hype to establish valid use cases with calculable ROI and long term business impact.  As an long-term China and Asia expert am also happy to help you explore how to bring your business to the East.  

Always looking for new clients and opportunities where I can make a difference.  If you have any recommendations, feel free to drop me a message on LinkedIn or email me at: richard_turrin@yahoo.com

Fintech, AI and Innovation Consultant

IBM’s Cognitive Studios Singapore is the regional hub that hosts more than 150 designers and digital experts   that provides next-generation services dedicated to digital reinvention and transformational outcomes. 
 
My role is to bring paradigm-shifting FinTech to the banking industry in Asia.  From Blockchain to AI Robo-Advisors, I applied the latest IBM technologies to real world problems faced by our banking clients. I also use the same vision to provide strategic direction to our sales teams throughout APAC so that they can better understand their banking client’s needs. I am a tireless evangelist for using technology to democratize access to financial markets. 
 
I served as the banking industry head at IBM Studios to reimagine banking, create a FinTech ecosystem, managed a team of 8 data scientists, and sell analytic financial solutions bringing in $50million in related sales.

APAC, Fintech Executive, IBM Watson, Design, Cognitive Studios

IBM risk analytics solutions enable the world’s most successful companies to make risk-aware decisions through smarter enterprise risk management programs and methodologies—driving business performance and better outcomes.
 
I was a Senior Executive responsible for IBM’s risk management and FinTech business and specifically staffing, strategies, product development, legal and marketing. I revolutionized the risk business by originating and structuring a partnership with Shanghai Wind Information to use IBM risk FinTech on Wind Info trading terminals throughout China. 
 
I was also the winner of the “Risk Technology Product of the Year” in the 2015 Risk Awards based on the unique hybrid cloud based system deployed at Wind that fully complies with China’s stringent data security laws. I also organized and spoke (in Mandarin) at multiple conferences including IBM’s first ever risk conference at Shanghai Advanced Institute of Finance.

Risk Solutions Executive

Hult International Business School

Hult International Business School is a global business school with campus locations in San Francisco, Boston, London, Dubai, Shanghai, Hertfordshire, and New York City.
 
I served as a professor bringing math and business analytics to life by using real world examples.  At Hult, I taught MBA Mathematics and Applied Finance to 115 students and delivered a special lecture series in applied finance.   I really enjoyed mentoring students and matching them up for jobs.

Professor / Lecturer

Changshu Lu Advisors

•	Advisor on outbound private equity transactions and capital markets consultant.    
•	Sit on the advisory board of a China based Series-B smarter cities thought leader

Private Equity Advisor, Financial Consultant

Derivative Fitch, Fitch Ratings,  New York

•	Performed “damage control” with 50 major issuers during the worst of the global financial crisis in a newly formed team.  
•	Sold synthetic CDO pricing software, participated in beta testing and worked with the coding team.

Structured Credit Sales

Commonwealth Bank of Australia

•	Founded team of 5 and originated $16 million in new credit risk management transactions.  
•	Developed new credit intermediation products for banks and insurers to monetize CBA’s AA rating.  
•	Evaluated new deals, managed legal team, and assisted in the quantification of the bank’s risk 
        exposures.

Structured Credit Sales and Origination

IntesaBci

•	Founded a team of 5 to bring new risk management products and technology to the bank.  
•	Designed and built a Bermuda based reinsurer that generated $5 million in annual reduced capital 
        charges.  
•	Introduced weather derivative and tax efficiency trades to modernize the bank and bolster trading 
        revenue. 
•	Responsible for development and testing of proprietary trading computer codes.

New Products Marketing and Advisory

Paribas Capital Markets

•	Started new team of 7 while generating profitability of $2.5 million annually on new transactions.  
•	Formed a joint venture company with strategic partner AXA, to bring insurance linked securities to 
        market.  
•	Originated a $3 mil. risk management consulting IT project with PEMEX and supervised coding teams.  
•	Responsible for the negotiation and sale of $80 mil. in insurance linked securities.

Risk Advisory and Structured Product Marketing

American International Group

•	Lead new international team of 12 professionals generating $10 mil in sales and the first ever sold in Japan.
•	Represented AIG in special testimony at the House of Lords.

Director International Environmental Liability Risk Management

Best selling author of "Cashless" and "Innovation Lab Excellence" | Consultant | Speaker | Top media source on China's digital yuan and mobile payments | China AI and tech regs | FOLLOW ONLY NO CONNECTIONS LEFT

As a best-selling author and consultant, I combine my passion for fintech, AI, and innovation with my extensive experience in the banking industry and the Asian market. I wrote two No. 1 international bestsellers, "Cashless: China's Digital Currency Revolution" and "Innovation Lab Excellence," that provide insights, strategies, and practical solutions for the digital transformation of the financial sector. I have also been a top media source and speaker on China's digital yuan and mobile payments, sharing my firsthand knowledge and analysis of the world's most advanced cashless society.

With over 25 years of experience in risk management, structured credit, and debt financing, I deeply understand fintech and AI's challenges and opportunities for the banking industry. I have worked with start-ups and established insurance and asset management players, helping them navigate the uncharted waters of the latest cognitive, AI, blockchain, and analytic technologies. I have also led and contributed to multiple innovation labs and projects across Asia, applying the latest IBM technologies to real-world problems our banking clients face. I am a tireless evangelist for using technology to democratize access to financial markets and to enhance customer experience and value.

Richard Turrin

Weekend Read: Global Digital Assets Report: The Breakout Year for Stablecoins and Tokenization

This GFTN Report is a great read and is filled with charts that show how this is a breakout year for digital assets, particularly stablecoins and tokenization. 

This report is beautifully laid out and is all about maximum return for readers with the minimum of effort, a perfect weekend companion!

Everyone's weekend reading list should include Chapters 1 and 2, covering stablecoin and tokenization.   

I can't recommend them enough!  

This report is all about the easy-to-follow charts and summaries that will give you a global overview of just how fast these markets are changing. 

I'm making this post extra short today, but I want to leave you with a fun chart on page 147, chart 6.1.  

It shows how, despite crypto's claims that it is ready to go mainstream, a stunning 70% of virtual asset service providers are only partially or non-compliant with FATF recommendations! 

Really?  Is that the best we can expect?  How will this impact stablecoins?

Enjoy this report, it is a fabulous "weekend read" and worthy of your time! 

♻️Repost to share this SUPERB resource on digital assets with others.   They will thank you! 

----------------------
🔺 Follow for #Fintech, #AI and #Tech at the speed of #Asia and #China.
🔺Onalytica No.4 Global Fintech Influencer with two best-sellers.

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The Breakout Year for Stablecoins and Tokenization

Helping you make sense of going Cashless | Best-selling author of "Cashless" and "Innovation Lab Excellence" | Consultant | Speaker | Top media source on China's CBDC, the digital yuan | China AI and tech

✦Weekend Read✦ World Bank: Developing Nations to Rely on Open Source AI, Handing China the Win.

The World Bank shows that AI is gaining momentum in developing countries and driving growth opportunities. 

This is great news and tracks with surveys showing high levels of enthusiasm for AI throughout the developing world. 

The problem for Silicon Valley is that the developing world isn't planning on paying for ChatGPT, Anthropic, or Google LLM subscriptions. 

Instead, they are looking to open source, which plays directly into China's hands as the world leader in open source AI.

Just this week, a Hugging Face-MIT report claimed a "rebalancing of power," in AI markets. 

Chinese open source models reached 17.1% of global downloads, higher than the US's 15.7% share. 

China not only has more open source models available, but their quality is second to none. 

Another attraction is that China's models require far less computing power.

Chat GPT and others in Silicon Valley, who were assuming that their closed models would capture global revenue streams, should be worried. 

The market is slipping away from them quickly, and with it, Washington's goal of US AI dominance. 

Open-source technologies are helping democratize AI participation—and that's fundamentally good for the developing world. 

Whose open-source AI is used is up to the market, but the balance is tipping in China's favor. 

👉How to read this report: my recommendation is to go straight to the section on AI models, Chapter 4, page 57. 

👉The World Bank on Open Source AI:

🔹 Open-source Al is proliferating and allows developing countries to adapt global solutions to their local needs.

🔹 Developing countries could face challenges in adopting Al because models are misaligned with local needs. Open-source Al models can lower the barrier to entry for developing countries, enabling them to adapt and customize Al solutions to local needs without incurring high licensing costs.

🔹 Open-source models are growing rapidly and narrowing the performance gaps with proprietary models. Open-source models are also increasingly challenging proprietary models in terms of performance.

♻️Repost to share this great World Bank report on AI with others

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Developing nations open-source AI use, hands China the win

McKinsey: State of AI 2025—Bottom-Line Gains from AI Remain Elusive

McKinsey looks at AI and puts the most important sentence on page 13: “Meaningful enterprise-wide bottom-line impact from the use of AI continues to be rare.”

McKinsey reports that only 39% of respondents attributed –any– level of EBIT impact to AI.

Even more surprising is that 62% of those surveyed are only experimenting or piloting phase of AI implementation.

So if you’re like me and wondering where the AI-driven ROI is hiding, we’ll have to wait a while longer to find it. 

As AI is a new technology, this wouldn’t normally be a problem. AI, like any new tech, takes time to adopt and make a financial impact.  

The problem is that McKinsey and big tech have been promising AI gains for a few years now, and that they haven’t yet materialized shows they were engaging in hype. 

It’s not that AI won’t make a lasting contribution to ROI; it most certainly will. But how long will it take? 

McKinsey surveyed 1,993 participants in 105 nations and does a fine job of distinguishing between “high performing” AI users and those I call laggards.

The gap is stunningly large, and only 6% of respondents qualify as “high performers!” 

McKinsey defines high performers as: “respondents who attribute EBIT impact of 5 percent or more to AI use and say their organization has seen “significant” value from AI use.” 

McKinsey’s observations on what makes an AI “high performer” are superb and on target, including:

- management attention, 
-AI spend, 
-avoiding using AI for cost-cutting,
-willingness to redesign individual workflows. 

The problem McKinsey doesn’t address is why, for years now, they’ve been selling AI as though it were an easy money maker. 

None of us should doubt that AI is transformational tech.  

The harsh truth: AI implementation is brutally hard, and the road to real ROI is a minefield.

McKinsey or big tech telling us otherwise is and has always been hype. 


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👉SINGAPORE FINTECH FESTIVAL STARTS WEDNESDAY! 🇸🇬

Hey, I’d love to see you in Singapore! If you’re going, leave a comment or drop me a PM, and we can meet at the Tencent booth.

♻️Repost to share these important articles on banks and AI with others

State of AI 2025: Bottom-Line Gains from AI Remain Elusive

Tencent's Bold Move Bringing "Cashless" China Overseas

Tencent announced a batch of new products at the Singapore Fintech Fest that are designed to allow greater access and more convenient cross-border payments.

Famed for its Weixin Pay (aka WeChat Pay), the company was instrumental in China's going cashless and now is building a future where payments are efficient and effortless.

Tencent continues to innovate, ensuring that Weixin Pay users abroad and foreign payment users in China get the cashless experience they deserve.

Let’s look at today’s reveals:

1️⃣ Easy Pay with Weixin Pay: pay anywhere 

Easy Pay is allowing Weixin to connect more payment providers than ever before.

Built on the central bank’s newly launched Cross-border Payment Gateway (CPG), it makes connecting two payment systems a breeze.

When Weixin is connected with a foreign payment system like Singapore’s SGQR+, Malaysia’s DuitNow, or Thailand’s PromptPay, Chinese Weixin users can make payments abroad through the connected system.

International users using these connected networks will not need to download Weixin to pay.   They can continue to use your trusted wallet like PayPal or even Venmo by scanning a Wexin QR code! 

2️⃣ Tencent Palm: more than payments, infrastructure

Palm payments are growing up! 

Now they are doing more than just payments, but are becoming part of our digital infrastructure.

Besides providing full pass-through digital wallet capabilities, Tencent Palm will open doors and control access to companies or universities.

Tencent palm payments work not just with WeChat Pay but with other payment providers.

Tencent is onto something, combining world-leading AI biometrics used for payments with other secure activities that benefit from the combination with payments.

Using a palm for payment is magical, and the best feature for many is that, unlike facial scans, you control when you use your palm.

3️⃣ Tenpay checkout: miniprograms go international 

Any WeChat user knows that mini programs are what put the super into Weixin’s super app.

Now miniprograms are going international with the ability to take payments in local currencies.

This means a merchant in Singapore or Macau can build a miniprogram for Weixin and take payments using local payment networks.

This is big because WeChat mini programs are already at work in some 92 countries, most tailored for Chinese tourists with payments made through Weixin.
.
Tencent paid for me to attend the Singapore Fintech Festival, making this a “sponsored” post. 

Sponsored or not, Tencent’s vision of “technology for good” and a "Cashless" future shines through. 

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Hey, if you're in Singapore, leave a comment or drop me a PM, and we can meet at the Tencent booth.  Would love to meet you in person! 

♻️Repost to share these important news from the fintech festival with others

Tencent's Bold Move Bringing "Cashless" China Overseas

S&P Global Ratings downgraded Tether, the world’s largest stablecoin, to its lowest rating, “Weak,” showing a harsh verdict and little faith in the world’s largest stablecoin to hold its peg. 

We are all being asked to “trust” in stablecoins, but here we have Tether, which underpins the entire crypto ecosystem, shown to be anything but trustworthy.

Tether commands a roughly 65% market share on $53T in stablecoin transactions in the past 12 months, with $184B in outstanding coins. (Visa Onchain Analytics)

For objective readers, the ability of Tether to hold its dollar peg depends on its asset quality.

↳Tether now has 24% of its total reserves in corporate bonds, precious metals, bitcoin, and secured loans, which are subject to price volatility and not always liquid. 

↳Tether claims to be over collateralized at 103.9% but with Bitcoin making up 5.6% of its reserves and its recent price drops, that number is likely already lower.

↳Tether's home?  El Salvador, where local regulations only require 70% of its reserves to be held in an asset that can be liquidated within 30 days!   How’s that for building trust? 

This is why Tether fought against the GENIUS Act tooth-and-nail!   

Now it will issue a GENIUS Act-compliant stablecoin, USA₮, which will mean that you can pick which Tether coin to use.   

The US will allow Tether to run a non-GENIUS Act-compliant coin in El Salvador that is favored by money launderers while it runs a compliant, clean coin in the US.  

Does that sound odd to you? 

Tether shows just how bad unregulated stablecoins can be and that size ≠ safety.


🦃 Happy Thanksgiving! 🦃 

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S&P Downgrades Tether to its LOWEST Rating

IBM’s 5 Trends for 2026: Owning AI Mistakes & Sovereign AI Are The Biggest Risks

IBM looks at the macro view of 2026 and identifies five trends that it considers “fleeting opportunities,” but I see most of them as risks waiting to blow.  

Two in particular will be big in 2026:

↳Trend 3 has customers holding corporate AI’s accountable, and in 2026, we will see the first big blow-up and lawsuits surrounding the AI system owned by a large multinational coming off the rails.  

Yes, customers will hold AI accountable, and when it makes a mistake, they will sue the responsible owner in a heartbeat. 

We’ve been spared any front-page lawsuits so far, but don’t think it’s because AI governance is good.  

Review any of the reports on AI governance, and they reveal how it is inadequate and bolted on as an afterthought. 

So far, most companies have had dumb luck, but the clock is ticking. 

↳Trend 4 on sovereign AI is another big risk. 

As data becomes ever more localized, it’s just a matter of time before companies will need to build local AI or run afoul of data localization problems.  

The days when data zipped across national borders to Silicon Valley are long gone. 

Nations, large and small, are asking the question they should have asked with the launch of Google in 1998: “Where is the data going?”  

The problem is that companies will likely get hit with localization requests after they’re up and running, which will throw a monkey wrench into very expensive AIs.  

Wait for fines, penalties, and bad press.   Remember TikTok? 
 
I enjoyed the other five as well, but sometimes some of the survey results stretch credulity.  

Does anyone believe that “48% of employees say they’d be comfortable being managed by an AI agent?”   

Really?  Let me know if you’re ready for an AI agent manager!  

The Five Trends:

1️⃣ Uncertainty will be your greatest asset—if you embrace it.

2️⃣ Employees will want more AI—not less.

3️⃣ Customers will hold your AI accountable.

4️⃣ Global AI resilience will require a local safety net.

5️⃣ Quantum advantage will demand strength in numbers.


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Owning AI Mistakes & Sovereign AI Are The Biggest Risks

Tokenization, Stablecoins & AI: Here, But Stuck in 2nd Gear

This week’s theme: Speed

(Yes, today’s artwork is a nod to my childhood hero, Speed Racer and his Mach 5 car — or Mahha GōGōGō for the purists.)

Three transformative technologies — tokenization, stablecoins, and AI — were all sold to us as “Mach 5” revolutions.

Reality? Most are still warming up in second gear.

Here’s the honest speed check:

1️⃣ Tokenization
Large institutions are genuinely interested, but adoption is moving slower than expected.

Missing global standards + fragmented cross-border regulation remain the biggest roadblocks.

Securities markets don’t move until the rules are crystal clear.

2️⃣ Stablecoins
Headlines scream “Klarna launches its own stablecoin!” and make it feel like we’re lapping the field.

Truth: Minting a coin is the easy part.
Winning trust, liquidity, merchant acceptance, and solving real problems (Tether’s recent downgrade is Exhibit A) is the long race.

Anyone can start in pole position — finishing is another story.

3️⃣ AI in the workplace
Executives believe their teams are eager and ready for rapid AI deployment.

Employees? Mostly anxious about job security and feel left in the dark.

This “enthusiasm gap” is the single largest brake on enterprise AI adoption today.

Bonus Read: The World Bank just highlighted how developing nations are turning to open-source AI to avoid sky-high licensing costs.

That trend is handing China — now the global leader in open-source model downloads — a strategic advantage.

👉Bottom line:
In tokenization, stablecoins, and AI, speed is governed by trust, standards, and people — not just technology.

The winners won’t be the fastest to announce.

They’ll be the ones who bring everyone along at the right pace and focus on the details that will bring these technologies into mainstream finance, not hype their potential.

What’s the biggest speed limiter you’re seeing in your world right now?

Regulation? Trust? People? Drop it below 👇

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Thanks for reading the “Cashless” newsletter, an insider’s view on Asia’s fintech, CBDC, and AI for anyone striving to understand “the Asia Century.” 

Open article: Tokenization and Stablecoins are Here – But Stuck in 2nd Gear by Richard Turrin • 6 min read

Tokenization and Stablecoins are Here – But Stuck in 2nd Gear

UNDP’s “Great AI Divide”: APAC Rich Nations Leap Ahead, Poor Nations Left Behind

A sobering new UNDP report warns that unmanaged AI risks widening inequality between nations — not just within them.

Key takeaways from “The Next Great Divergence: Why AI May Widen Inequality Between Countries”:

1️⃣  Starting lines are wildly uneven

-Asia-Pacific (55% of world population) now hosts >50% of global AI users
-China alone files ~70% of worldwide AI patents
-ASEAN economies could unlock ~$1 trillion in extra GDP over the next decade

2️⃣ Massive upside — if countries are ready

-Potential +2 ppt annual GDP growth
-Up to 5% productivity gains in health, finance, and public services
-Real-world wins are already evident: Bangkok’s Traffy Fondue (600k citizen reports resolved), Singapore’s Moments of Life (paperwork slashed from 120 → 15 mins)

3️⃣ Serious downside without deliberate action

-Women’s jobs are nearly 2× more exposed to automation
-Women in South Asia are 40% less likely to own smartphones  
-Youth employment is already declining in high-exposure roles
-Rural & indigenous communities invisible in training data → algorithmic exclusion
-No AI regulation, accountability, or bias control.

The big problem is capability — skills, computing power, and governance.  In some cases, connectivity is still precarious.

Affordability is another major issue. 

A recent survey showed 72% of emerging market corporate IT respondents can't afford Silicon Valley AI subscriptions.

This is why, for many, the only option will be to run China's open-source AI.  

What choice do they have? 

Countries that invest now will accelerate.

Those who don’t risk falling irreversibly behind.  

The Great AI Divide isn't coming.  

It's already here. 

What’s one policy or investment you believe is non-negotiable for emerging nations to make use of AI?


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APAC Rich Nations Leap Ahead, Poor Left Behind

Tokenization: Stalled by an Adoption Gap

Token issuers are giving the sell side a product that doesn’t fit on their systems, and they don’t really want, while their buy-side clients haven’t yet seen any real advantages to buying them.  

That's the problem in a nutshell, and the MAS and the UK's FCA look at the reality, not the hype of tokenization.  

“The tokenised asset market currently suffers from a fundamental disconnect between what issuers build, how sell-side intermediaries operate, and what investors – mainly institutional – need."

"This misalignment has created an “adoption gap” where promising technology fails to achieve meaningful adoption, limiting the transformative potential of tokenisation.”

Let's look at the three key players:  

↳Issuers: 

Issuers, primarily from the crypto world, want to get the tokens out fast and make the tech sexy. 

This creates what the paper terms an “innovation trap,” where technological sophistication doesn’t work with institutional investors.  

Sure, you can sell to crypto natives with this formula, but not traditional sell-side institutions. 

↳Sell-side

Tokenization is like throwing a grenade in the sell-side business model and expecting them to say thank you. 

It blows up years of predictable regulations, SOPs, and tech infrastructure.

Then, as though that wasn’t enough, tokenized assets compress their margins!   

Is it any wonder the sell-side is in no rush?  


↳Buy-side

The buy-side is more sympathetic to tokenization if they can see the aforementioned margin compression, and or other clear advantages.  

The problem is that, for now, that isn’t happening. 

In these early days, the fees to purchase a tokenized asset can be more expensive than on traditional networks.

This is before buyers deal with regulatory compliance and risk management!

This leads many to take a “wait and see” approach.  

See the adoption gap between the three?  

Thanks to Alan Lim for recommending this paper and a great chat at SFF! 

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Director, Financial Infrastructure & AI Office, MAS

Tokenization: Stalled by an Adoption Gap

The workforce of the future will be a partnership of people, agents, and robots, but being "relevant" won't help you keep your job  — only being “essential” will.

McKinsey suggests that the partnerships you’ll form with agents and robots on the job will be enhanced by humans being relevant.  

👉My suggestion: don’t strive for relevance, strive for being essential!

McKinsey is correct, learning to partner with agents and robots is an important skill for every employee to learn, but only essential employees will get to use it. 

Being “relevant” is simply too low a bar to ensure future employment.  

Let that sink in if you’ve got more than five years left working.

McKinsey is totally unconvincing in trying to paint a bright picture of a future where we sing “Kumbaya” as skilled partners with agents and robots. 

Their own statistics sing a far more sober tune. 

McKinsey finds that currently demonstrated technologies could, in theory, automate activities accounting for about 57% of US work hours today.

While McKinsey is quick to point out that the 57% is not a forecast of job losses, it is absurd to think that this figure does not reflect the scale of the downsizing ahead. 

For many employees, within this 57%, their ability to form partnerships will be irrelevant. 

McKinsey tries to paint a bright picture for employment, focusing on the 70% of human skills that will remain relevant.  

McKinsey has no answer for what will happen when a single partnered human can do the work of four or five due to efficiency gains.  

This is where being essential, at whatever job you do, will be more critical than ever.

Learn AI, agents, and robots, learn how to partner, but most of all, be essential!  

McKinsey estimates that by 2030, AI-powered agents and robots could generate about $2.9 trillion in US economic value per year.

Relying on being “relevant” during a period of such tremendous disruption is a very poor workplace survival strategy.

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Partnering is good — being "essential" is much better!

IMF Reveals Stablecoins' Dark Side: Fueling Illicit Flows, Volatility Risks & Oversight Failures in Fragile Economies

The IMF's latest report pulls no punches on stablecoins – and the crypto backlash is already fierce.

Critics dismiss it as outdated thinking, but the IMF's warnings on monetary stability deserve attention.

Will anyone actually listen to the IMF?

Or are we so blinded by our desire for stablecoin miracles that we lose track of the risks? 

One stablecoin expert pushes back on the report:

“The benefits far outweigh the concerns. The report fails to acknowledge most people live in highly unstable fiat economies.”

Fair point on fiat instability — but does that justify replacing it with private, under-regulated money that may fragment payments? 

Who gave him greater expertise than the IMF on stablecoin risks vs. benefits?

While the IMF isn't perfect, it does understand money better than most stablecoin evangelists. 

IMF's Key Stablecoin Risks

↳ Stablecoins can fluctuate in value due to market and liquidity risks in their reserve assets, triggering sharp drops if confidence erodes.

↳ Limited redemption rights increase the likelihood of runs, potentially causing fire sales that impair market functioning.

↳ Widespread adoption could lead to currency substitution, undermining monetary sovereignty and weakening domestic monetary policy.

↳ Stablecoins can increase capital flow volatility by bypassing controls, especially in countries with weaker institutions.

↳ They may fragment payment systems without ensured interoperability, reducing efficiency and creating silos!!!!

↳ Risks are amplified in countries with high inflation, weak institutions, or low confidence in local currency, threatening macrofinancial stability.

↳ Operational, financial integrity (including money laundering), and legal certainty risks rise without adequate regulations, supervision, and backstops.

↳ Cross-border nature complicates regulation, data compilation, and international cooperation, potentially leading to policy conflicts.

↳ Fragmented global regulations create arbitrage opportunities, weakening overall effectiveness.

↳ Unhosted wallets and a lack of holder visibility limit enforcement and data-driven decision-making.

👉Which risk worries you most – or do you think the IMF is wrong? 
✍️Comment below.

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IMF Reveals Stablecoins' Dark Side

Tokenization Is Here – But 85% of Institutions Predict a Slow Rollout 

Tokenization is here, and it works with 91% of custodians citing improvements in efficiency and transparency, and most early adopters are realizing substantial benefits. 

The bigger question is how long we will have to wait, when 81% of early adopter individual investors and 85% of institutional investors say adoption will be slow.

The Broadridge Tokenization Survey is refreshingly hype-free and covers 300 financial institutions and reveals that early adopters like Hamilton Lane, Apollo Global Management, and KKR love it and are seeing real benefits. 

With names like this participating, it’s clear that tokenization has broken through to the big time. 

The most significant revelation in the survey is that tokenization’s benefits are real, and early adopters’ top three benefits are transparency 76%, reduced operational costs 74%, and increased efficiencies 65%.

These are impressive results, but what we still do not know is how quickly the supertankers that are global financial markets make a turn toward tokenization.  

Regulatory risk is by far the biggest hindrance to tokenization. 

Even among early adopters, 65% fear regulatory risk, and among future adopters rises to a lofty 78%. 

The biggest issues remain classifying tokenized instruments as securities, investor protection, and standardized protocols for transactions.  

To date, only small gains have been made, and that should concern us all. 

This means that even the most well-intentioned early adopters of tokenization are out on a limb without regulatory clarity and standardization. 

This leaves many FinServs in a state of limbo, and that is unfortunate for all of us.


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Tokenization Is Here – But 85% Predict a Slow Rollout 

SE Asia's QR Code Revolution Fuels Double-Digit Digital Finance Growth Beyond Payments

Google, TEMASEK, and Bain & Co look at Southeast Asia’s (SEA’s) digital economy and see sustained double-digit growth in everything from e-commerce to digital finance. 

Behind this growth are QR code-based payments, which serve as the foundation behind SEA’s digital boom and are paving the way for its AI surge.  

Like China, whose model for success SEA copied, QR payments are the bedrock on which many other digital advances are built. 

Everything from online travel, transport, food, gaming, and digital wealth relies on QR payments for low-friction transfers.

That said, the Digital Finance Market in SEA is far more than just QR code payments. (See pages 30-38)

Digital wealth scored an incredible 24% YoY growth, while payments (19%), lending (18%), and insurance (16%) all scored impressive growth.  

Unsurprisingly, credit card volumes remained flat YoY. 

Part of this growth in digital financial services can be attributed to embedding financial services on digital platforms, which is much further advanced when compared to the West.

SEA’s digitally engaged population is now looking at AI, and consumers are 3X more interested in AI than in the rest of the world and 1.6X more positive. (See pages 52-68).

Unsurprisingly, AI is in part being driven by superapps that make huge use of it across their platforms (WeChat has around 20 uses in its app). The other key factor is that employees do not see AI replacing their jobs.  

So while SEA nations may have a host of other problems, going digital isn’t one of them.  

SEA continues to be a model for digitization that other nations could learn from. 

And all of this growth started with the humble QR code! 

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SE Asia's QR Codes Fuel Digital Finance Growth

Tencent's "Tech for Good" Reimagines Remittances

Remittances are an important part of financial inclusion, and no one feels the burn of high transfer costs more than China’s foreign workers sending hard-earned money home to support families.

Along with yesterday’s new product announcements, Tencent launched Tenpay Global Cross-Border Remittance Service, which is in keeping with its motto “tech for good.”

What makes this service unique is how Weixin (WeChat) uses its mini-programs to give those sending remittances a choice in who will send their remittances back to China.  

Instead of promoting a single provider, it gives each remittance provider a miniprogram and lets users select the one with the best rates or service.  

This approach reinforces Weixin’s long-standing belief that its platform is open to all, not just a selected few. 

Remittance providers include Panda Remit, Remitly, Western Union, Ria, Moneygram, Wise, and over 60 + remittance partners in over 100 countries. 

Users sending money back to China can compare the rates of providers and even see the amount received by loved ones on many of the mini-programs.

Surprisingly, many Chinese use Western Union brick-and-mortar stores for remittances.   

Partnering with Tencent, they built a mini-program to allow users to digitally fill out transfer forms in Mandarin, breaking language barriers.

Yesterday, I mentioned “Tencent Palm,” which is a way of using palm biometrics not just for payment but for infrastructure. 

Tencent took me on a tour today to see “Tencent Palm” in action, and it was worth the trip.  

We made stops at the Singapore Institute of Technology and Adventure Cove water park, which is part of the “Casino and Resorts World Sentosa,” a large theme park operator and “anywheel” bike ride share company.  

What do a Tech School, bike sharing, and a water park have in common?  

All are using palm readers to control access and make payments on site.

Students and water park goers can gain access to the facilities and pay for dinner at the school cafeteria or water park, all with a swipe of their palm.

Bicycle sharing company “AnyWheel” will soon have prototype shared bikes with pay by palm enabled for hassle-free riding. 

Seeing these products at work showed how access and payment by palm go beyond convenience. 

It is digital infrastructure that transforms how we interact with our environment.  

This is a sponsored article. Tencent paid for me to travel to Singapore.  

Despite being sponsored, it’s hard for an objective reader to see how Tencent’s work in remittances and improving access by going cashless is anything but “tech for good.” 

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Hey, if you're in Singapore for the final day of SFF leave a comment or drop me a PM, and we can meet at the Tencent booth. Would love to meet you in person! 

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Tencent's "Tech for Good" Reimagines Remittances

Mobile Money in Asia Never Ceases to Amaze: Even when UPI and WeChat are Excluded.

QR Code payments for mobile money in Asia now make up 76% of merchant payments for “mobile money” compared to 46% globally.

Remember, mobile money is defined as a "non-bank digital wallet," so India’s UPI and China’s WeChat and Alipay aren’t included in this report.  

Mobile money is a key component of financial inclusion, and that’s why the “Mobile Money Report” from the GSMA is one of my favorite reads. 

The report tracks the growth, adoption, and impact of mobile money services, with a focus on emerging markets and their impact on inclusion. 

Tonight I just wanted to look at Asia because, frankly, the numbers are incredible. 

To be fair, Sub-Saharan Africa is actually the world leader in mobile money, but Asia, with its QR networks, is still the one to watch.

Why?  Because these figures tell only half of Asia’s story. 

To understand the full impact of mobile payments, not just mobile money, imagine adding UPI’s 491 million users and WeChat’s 1.2 billion users to these figures!  

Each statistic below shows that more people across Asia are gaining financial access, which is why this report is always inspiring! 

(Note: Asia comprises “South Asia:” India, Pakistan, Bangladesh, and “East Asia and Pacific:” Indonesia, Philippines, Papua New Guinea, Fiji.

👉Read through these stats slowly for impact:

🔹 QR codes remain the preferred channel for merchant payments in Asia and are accepted in 76% compared to 46% globally.

🔹 862 million registered users for a 41% global share. (Note this is mobile money and excludes WeChat’s 1.2 billion and UPI’s 491 billion users!) 

🔹 One in three new registered accounts globally originates from Asia

🔹 Asia’s proportion of digital transactions reaches 80% in East Asia! 🔥

🔹 Asia transacts about $500 billion annually. [China’s mobile payments alone $48T. ]

🔹 P2P payments represent roughly 70% of all payment types. 

🔹 Remittance transfers using mobile money grew by nearly 50% last year. 

🔹 Banks connecting to mobile money platforms increased by 20% 

🔹 Many mobile money systems use Agents to receive and disburse payments. Asia’s agent numbers are low in part because of QR codes and the greater use of smartphones, not feature phones.  

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🔺Onalytica No.4 Global Fintech Influencer with two best-sellers.

Mobile Money in Asia Never Ceases to Amaze

✦Weekend Read✦   Deloitte:  High Impact AI Use Cases Across Six Industries

Deloitte with a great read that shows "high impact" use cases across six industries. 

While I, of course, loved the section on financial services (pg 65), the uses in other industries I don't keep up with were even more fascinating to me.  

Who would have guessed AI is being used to for "Autonomous drone-based infrastructure inspection" (pg 43) as power line inspection isn't quite in my daily reading section.  

Or how about as a "co-writer for appeals" when a medical insurance claim is denied.  60% of claims are recoverable and AI can help compile the appeal from medical records.    Who'd have guessed?    

So this is a weekend read because at 190 pages, it is fun to just curl up and flick through some of the astounding use cases! 

Enjoy your weekend! 

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👉SINGAPORE FINTECH FESTIVAL NEXT WEEK! 🇸🇬

Hey, I’d love to see you in Singapore! If you’re going, leave a comment or drop me a PM, and we can meet at the Tencent booth.

♻️Repost to share these important thoughts on AI empathy with others

High Impact AI Use Cases in Six Industries

🔥Special Edition🔥: Banks and AI – 77% See No Change in GenAI ROI Year on Year

This week, I’ve got a special for you focusing on banks and AI, and every story is a winner!

I lead with Google’s report on GenAI use in financial services that shows how for 77% of finservs ROI has gone sideways since last year, with few appreciable gains. 

This is a shocker and doesn’t live up to Google’s consistent narrative that GenAI will be a big money maker for banks. 

The way Google buries this story in its report is yet another glaring example of how it sells hype more than reality. 

I do need to give Google some credit. The report does show how, while many finservs are lagging with AI adoption, those who are adopting AI are seeing some reasonable gains. 

BCG looks at AI in banking and sees $370B in profits in play, with the warning that if banks don’t adopt AI, they will become irrelevant. 

BCG is correct. Banks that remain AI laggards, like those shown in Google’s report above, will have a hard time being relevant next to banks that offer extensive AI services.  

The problem is that, from Google’s report and many others we’ve seen, more banks are AI laggards than AI adopters.

Banks appear to be as slow to adapt to AI as they were to fintech. This means that a big piece of the banking sector is doomed to irrelevance and eventual buyouts or takeovers.

So what do banks need to do to make breakthrough AI that users trust?  

It turns out that they need to build empathy into AI and that this is not as impossible as it may at first sound.

Empathy allows humans to warm up and feel that the AI is relating to their problem, not just fulfilling a specified use case. 

I confess this paper on empathy was my favorite read this week. It really is fun, and I urge you to read it to see how banks can win with AI. 

So big international banks just need to build one AI solution and can roll it out to other regions to capture AI profits, right?   

Not so fast!  With increasing demands for “sovereign AI,” banks should be thinking about building AIs that are used in one specific country to conform with data privacy and other local AI laws. 

Our final story is about APAC winning the AI race with more users than any other region in the world!  

Interestingly, not only are there more users in APAC, but those who are using AI are more enthusiastic than in any other region!  

This article speaks to how important the human factor is in AI adoption. Asia’s high adoption rate is fueled by human enthusiasm and the desire to use AI. 


🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬🇸🇬
👉SINGAPORE FINTECH FESTIVAL NEXT WEEK! 🇸🇬

Hey, I’d love to see you in Singapore! If you’re going, leave a comment or drop me a PM, and we can meet at the Tencent booth.

♻️Repost to share these important articles on banks and AI with others

Special Edition: Banks and AI – 77% See No Change in GenAI ROI Year on Year.

Deepfakes 2025: The $10.5T Trust No-One Economy Is Officially Here

Citi Institute published a report on deepfakes that I am sharing as a public service announcement, with the recommendation to all readers of “Trust No-One.”

This is personal, with hundreds of hours of video and voice available, and living in AI-rich Asia, I am a prime target for fraud.

As a result, I instructed all family members NEVER to respond to a call or message asking for money, claiming I am in the hospital, or asking for personal details, even if they are sure it’s me. 

While it may sound simple, I told my brothers a secret two-way password that I would use when discussing any financial or medical transactions over the phone.  

Am I paranoid? 

I don’t think so, and while it is a ridiculously simple solution, I recommend it to others for at least some minimal amount of protection.

We now live in an era of “Zero-Trust Communication” where trust can no longer be assumed.  

Trust has to be continuously verified, and while my secret code may be far too simple, it changes the odds at least slightly in my favor.  

I also vet every social media interaction through friends for identity validation.  

As Citi says: “never trust, always verify”.

I received a message on LinkedIn for a consulting project a month ago.  

My first response was not to write back, but to reach out to a trusted shared contact to verify that the person existed and was real.  

This is a sad state of affairs, but it is the “new normal” in the age of AI, and why financial crimes are skyrocketing. 

Financial crimes, particularly on real-time payments, are not network hacks, but real people willingly transferring money to deepfakes.

There is no AI in the world that can stop real people willingly sending money.   

Fighting AI with AI?  

That’s the mantra I hear repeated daily, but the sad reality is that criminal use of AI is far more innovative and evolves faster than anything at a bank or payment system. 

Criminals innovate by doing and live testing, banks can at best respond to the threat after it succeeds, rarely head them off. 

The good guys are losing, and that’s the sad truth. 

Kudos to Ronit Ghose and the entire team for this important read

♻️Repost to share this important read on Deepfakes with others

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🔺Onalytica No.4 Global Fintech Influencer with two best-sellers.

Onboard A380 | Future Money author | Future of Finance think-tank | Fintech | Digital Assets | Advisory | Investing

Deepfakes 2025: The $10.5T Trust No-One Economy

Evaelynn V. Koutoumanis — EMIs - PIs - Block⛓️- DigitalAssets - AI - Banks

Asia Special ☯︎: QR Code Revolution Fuels Double-Digit Digital Finance Growth

This week, I’ve got a special for you focusing on Asia and the impact of real-time QR payments in the region.

That’s why today’s art has a decidedly Asian feel to it, with my use of Tintin, a beloved cartoon character from my childhood.

The first three articles below all show how instant QR-code payments have fundamentally changed Southeast Asia (SEA) and APAC.

The first two show clearly that QR code payments are the foundation on which Asia’s digital growth is based. This shouldn’t come as a surprise to anyone!

SEA and APAC are copying China’s tremendous success with WeChat Pay and Alipay, and who can blame them?

This leaves credit card companies in the unenviable position of having flat growth in the region.

In the third article produced by Visa, we can see how bad it is for cards.

Visa’s research shows that in SEA, 46% use RTP and mobile payments versus 21% for cards! This is why Visa is mounting a “Trojan Horse” attack on RTPs!

Do you have a family password for financial and medical discussions with family members?

I know this may sound like an odd question. But after you read Citi’s take on “deep fake” frauds, you’ll see it’s simple protection in a world of digital frauds.

That’s why I call this article a “public service announcement” because this is such an important read for you and your families.

So today I put up what will undoubtedly be a controversial article declaring that China will win the “AI war.”

I believe China will win not because of chips but because of trust. I’ve put this article behind a paywall but left enough showing to give non-subscribers the general idea.

This comes hot on a similar announcement that China is winning from Nvidia CEO Jensen Huang, which most definitely turned heads.

Finally, I have a fantastic “Bonus Read” showing Asia’s love affair with all digital assets, including crypto.

I’m not a crypto fan, but it is simply too big in Asia to be ignored.

If you love crypto, please read this article. It’s a good one.

If you hate crypto, read the selected chapter (pg 74) to see why it is useful in Asia!

♻️Repost to share this Asia focused newsletter with others

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🔺 Follow for #Fintech, #AI and #Tech at the speed of #Asia and #China.

Asia Special: QR Code Revolution Fuels Double-Digit Digital Finance Growth

Klarna launching a stablecoin is today’s breaking news, but the reality is that with hundreds of new stablecoins launching, it doesn’t really matter, and I have to ask why anyone should care.  

Some will look at me incredulously and say, Of course, it matters!

Klarna’s big! It has 114 million customers and $112 billion in annual gross merchandise volume.  

And what does it want to do with these stablecoins?  

The same thing as everyone else: reduce costs associated with cross-border payments.

So forgive me if I yawn. 

We’ll still have Wise, Revolut, Circle, and Tether for low-cost retail money transfers among dozens of others, and a host of wholesale bank tokenized deposits.  

While it certainly may be convenient for some customers, how much is Klarna really going to make on it?  

The whole idea of stablecoin transfers is that they're cheap, so good luck turning these transfers into money makers.

The more interesting use case for Klarna is internal wholesale transfers like Ant Group, which, at least for now, is using deposit tokens!

Add to the problem, competitors racing to zero-cost transfers to capture market share, and we have to ask if Klarna has the stamina to hold out.

This is no joke, given its 30% drop in stock price since listing, bringing it to new lows. 

🔹Pick a stablecoin, any stablecoin.  

The larger problem is that with hundreds of new stablecoins announced, it will be a bloody battle to attract users.  

What exactly is the difference between a Klarna stablecoin, Wise’s, or Circlecoin?  

The obvious answer is that some will be embedded on the platform to make them easy to use.  

Great! Klarna coin embeds to make it effortless, but what about Tether or anyone else’s coin?  

Embedding will serve what 1% of the theoretical stablecoin use cases? And the other 99%? 

It’s not enough to simply mint a stablecoin. That part is easy, which is why we are seeing so many announcements.  

The problem is getting anyone to use it and to achieve broad-based acceptance.   

🔹Fragmenting your wallet? 

What we are already seeing is the fragmentation of the monetary system, and this has profound consequences. 

We are used to Visa and Mastercard networks that transfer fiat, where you take your card out at a merchant and pay.

Stablecoins can make no such guarantee, and whether your bank or your local merchant accepts Klarna Coin or any other will be up in the air.  

Some may argue that solutions like Ubyx Inc., which will operate a clearing system for stablecoins, will make stablecoins ubiquitous. 

Yes, but with hundreds of stablecoin providers, many will be on their own. 

So will your bank accept a Klarna coin?  

Who knows? 

I wish Klarna success, but no, I’m not excited in the least.  

♻️Reposters, you rock!  Please share with others

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🔺 Follow for #Fintech, #AI and #Tech at the speed of #Asia and #China.

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