DigitalFutures is an independent strategic business development and investment advisory service. We bring to bear many decades of consulting and executive management to the world of distributed collaboration software, business process optimization, blockchain, mobile media and entertainment, communications and financial technologies fuelling the growth of the digital economy.

Digital technologies and adaptive skill sets are the key drivers of a distributed global digital economy. DigitalFutures expertise was accumulated working internationally, in government, NGO, corporate and start-up environments, innovating and building leadership skills to deliver technologies and services with high growth potential in global markets.

DigitalFutures is passionate about creating sustainable futures in which everyone can participate equitably and fairly, and with respect for our environment.

The FinTechBook – An Amazon best seller.


The FinTechBook is the first crowd-sourced book on FinTech globally, representing thought leaders from 27 countries. It is an Amazon Best Seller.

Fintech + Digital Currency -Convergence or Collision?

by: Manie Eagar

Manie is a contributing author of the first crowdsourced FintechBookA front-line industry insider’s look at the financial technology explosion

In just two short years cryptocurrency has grown from a hobby project to a multi-billion dollar global digital finance industry. With new competing alternatives and technology advancing beyond simple currency-based payments to all manner of value exchange, financial instruments, smart contracts and blockchain based distributed ledgers, everyone is waking up to the fact that Bitcoin was just the beginning.

Arriving just in time for the great convergence of mobile payments, digital branchless banking and digital-value exchange, Bitcoin, alternative currencies, and digital finance innovations promise a major disruption of global finance.

Originally an outlier technology, the business of Bitcoin, and its broader digital money applications, has now grabbed the attention of all major financial institutions, consumer technologies and regulators all over the world. We will explore the tension between decentralization versus the ‘new channels to market’ play of the various incumbents.

The Bitcoin proposition: In his seminal paper ‘A peer-to-peer electronic cash system; dated November 2008, Satoshi Nakamoto envisaged ‘A purely peer-to-peer version of electronic cash would allow online payments to be sent directly from one party to another without going through a financial institution.’

From this simple premise the bitcoin phenomenon has grown in scope (1.5 million current users) and size ($3.4bn market cap) to grab the attention of media headlines worldwide thanks to the infamous MtGox and Silk Road debacles. Bankers and regulators still quote these two factors as the specific reasons that they don’t ‘trust’ bitcoin, confusing business malpractice with the legitimate applications of a highly disruptive financial innovation.

But what is unstoppable is the convergence of two major fintech sectors with that of bitcoin and newer digital currency and blockchain based technologies — the crossroads where Digital Banking and Mobile Transactions meet the Cryptocurrency Protocol(s). Will this be as natural convergence or a collision? What are the implications, opportunities and challenges for fintech startups, entrepreneurs and investors; and established legacy players alike?

Editors Notes: This entry was selected based on popular vote and incorporated into FINTECH Book, the world’s 1st globally crowd-sourced book on FINTECH.

The FinTech Book is the leading guide to the financial technology revolution—including the disruption, innovation and lucrative opportunities. Created by two prominent thought leaders in FinTech and the associated investment space, this groundbreaking guide showcases the leading industry influencers in FinTech in a single, informative volume.

Entrepreneurs and investors will find this an invaluable resource to uncovering new opportunities and maximizing their ROI in this growing market. This inspiring book covers every major industry development in depth, complete with firsthand insights and lessons learned by practitioners at the cutting edge. This first comprehensive volume on the global state of FinTech gives you a distinct competitive advantage by:

  • Illustrating the ins and outs of the industry with the leading figures at the centre of the action
  • Detailing the unique market dynamics of the FinTech revolution
  • Illuminating the diverse potential of the sector and the various ways it can impact related industries
  • Showing you firsthand how other investors and entrepreneurs have risen to the top of this dynamic environment
  • Explaining key themes such as API economy, behavioural biometrics, blockchain, digital currencies, financial inclusion, fintech hubs, mobile payments, predictive algorithms, and robo-advisors.

Whether you are responding to disruption or wanting to profit from innovation The FinTech Book is for you.


The blockchain’s distributed ledger is a significant innovation that could transform almost every aspect of commerce and information management. Leveraging distributed ledger technologies is shaping a host of new services and applications.

The FinTech revolution is now becoming a reality. Fundamental changes will affect the whole financial sector. Emerging financial technologies are challenging the traditional models of banking, trade and investment, and information technologies creating many points of convergence and potential collision for the incumbent players.

The ‘second market’ is democratizing access to new forms of finance such as crowdfunding and peer to peer lending for individual investors, the sharing economy, social causes and entrepreneurs alike.

Digital currencies and asset value exchanges are the new media for the storage and transmission of value through a variety of mobile and online platforms creating greater liquidity and fluidity for the digital economy.

Increasingly sophisticated ICT network infrastructure; Mobile communications, media and entertainment; Artificial Intelligence, Virtual and Augmented Reality; and IoT for a connected world.


DigitalFutures offers consultation, business development and advisory services in FinTech, Blockchain, AltFinance and the Digital Economy, and facilitates engagements with private, national and international trading and investment partners, VCs and angel investors; and  crowdfunding, mergers and acquisitions opportunities.


DigitalFutures coordinates and organizes interdisciplinary research such as in fintech futures and related technological and social issues, to provide advice on a diverse range of policy issues and products through the use of specialized knowledge and the activation of its networks.


DigitalFutures harnesses its network of senior executives, entrepreneurs, investors, academics and government leaders to host events bringing together ventures, business opportunities, trade and investments in FinTech, digital finance, AltFinance, RegTech, digital currencies and blockchain technologies.


DigitalFutures executives speak at leading digital economy, investment management, IT, mobile media, BPO, FinTech, bitcoin and blockchain events advancing the progress of new ideas, innovations and applications, and adaptive leadership futures and entrepreneurial skills.

FinTech Canada 2020

FinTech Canada 2020

DigitalFutures is actively engaged in providing leadership in digital currencies, the blockchain, FinTech and Regtech in the commercial, public, and social sectors that will guide policy, investment decisions and support innovation and job creation in Canada in this...

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Unlocking the Blockchain

Unlocking the Blockchain

Key sectors that the distributed ledger (blockchain), related tokenization (e.g. for digital currency applications) and smart contracts applications will address are: Government-to-government (G2G) verification and validation of assets and data related to finance,...

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Blockchain + FinTech

Blockchain + FinTech

Designing the future of our money: As we mull all the latest innovations in digital finance from mobile payments to digital banking to cryptocurrency plays – a discordant picture is emerging. But first, our current reality. What we all know and want, if we are in a...

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