Impact Investing – Together, we can make a Difference

Simplifying impact investing

Climate change is increasingly at the forefront of our minds, impacting every aspect of our lives. With increasing frequency, natural disasters are affecting many parts of the world and in the process, damaging the global economy.

Recent drastic measures by many governments to reduce pollution and waste as well as to increase usage of renewable energy to achieve net zero-carbon targets, will not do enough within the desired time frame to achieve over-ambitious targets, agreed by the Paris Agreement in 2015. After COP26, the 2050 target has been brought forward to 2030, by which target many Industrial nations have signed up for.

The reality is that it will never be a “lightswitch” moment but rather gradual phase-down or phase-out of fossil fuels, the main polluting natural resources that contribute to greenhouse effects and climate change.

In the meantime, with increasing urgency, each and everyone of us needs to do their part and not wait for government action, or in some case, inaction.

Impact investing can become a form of investor activism by making companies aware of unacceptable pollution practices, covered up through greenwashing and slick PR.

Making companies accountable can be a catalyst to positive change in their corporate culture and behaviour, encouraging more sustainability efforts by those who pollute the most and those of which their zero-carbon targets and commitments are insufficient.

Impact investing puts the power in our hands, the people of the world that are affected by climate change.

Together, we can make a difference.

Just launched on Amazon !

Foreword by Susanne Chishti – CEO FINTECH Circle

Digital Disruption has impacted every aspect of society, from social media to smartphone, and in the process, fundamentally transformed how we interact and live our lives.

Omnipresent tech keeps us organized while at the same time occupied, if we’re not just being productive, we are keeping ourselves busy by checking our social media feeds and posting selfies.

And yet, with all the tech in the world, we still find ourselves commuting, computing and communicating on the go.

Life seems to evade us, outrun us. We are constantly trying to keep up with the latest news, post, share or like; terms of a new society where tech dominates our lives. At the same time, tech has made our lives easier in many ways, we can do just about everything, all we need is our smartphone and a wifi connection.

But what if we could also make a living though our smartphone ?

That idea is now becoming a reality where we can buy, sell or trade “digital goods” via an app or platform without the need to be physically present or have a shop to display goods.

At first, we had simple digital goods like music, movies or books that we could download and store on our smartphone and take with us everywhere.

With the advent of crypto, blockchain and digital assets, we can now even store our personal wealth on our smartphone. Not only store, but also buy, sell and trade and this changes the game for everyone.

Tokenization of real-world assets on blockchain gives us the possibility of being able to trade the financial markets around the world without having to be physically present. More importantly, we don’t need a broker or intermediary; we can simply transact “peer-to-peer” instantly and securely, knowing that once a transaction on blockchain has been validated, it’s irreversible.

And that’s the power of digital assets on blockchain.

Taking it one step further, anyone with a smartphone can transact anything and anytime, knowing that all transactions are tamper-proof, time stamped and transparent.

In the world of finance, it’s called decentralized finance and it changes everything.

Financial technology has given us the tools and instruments to take charge of our own financial destiny.

Crypto and blockchain are the new frontiers in FinTech, it’s crucial to learn about these technologies now and thus be better prepared for a prosperous financial future.

This book gives its readers the opportunity to learn about advancing tech, from artificial intelligence to blockchain and from crypto to decentralized finance.

Eleftherios Jerry Floros is a FinTech expert who combines knowledge with experience, simplifying financial concepts and distilling everything to its essence. He has also been a fantastic co-Author of the bestselling FINTECH Book Series published by Wiley, which I had the pleasure to edit.

The opportunities are many, the possibilities endless.

Enjoy this exciting book.

Susanne Chishti (Linkedin/Twitter/Instagram)


@SusanneChishti  @FINTECHCircle

Artificial Intelligence, Algorithms and Automation can and will replace You in the near Future

Experts from around the world estimate that this could be at least 50% of the future labour market by the end of the decade and this has now been accelerated through lockdowns and the “work-from-home” concept (abbreviated WHF). Simple logic, if not needed at the office, why bother keeping home workers – the new global WHF cohort anno 2020 – when it can be automated and replaced by algorithm and artificial intelligence?

Big tech and proponents of the gig economy argue that AI, automation and robotisation will create as many new jobs as it destroys. 

The Big question is – which new jobs will be created – and that depends largely on each person’s individual skill set.

It’s safe to say that the higher the intelligence and intellectual capacity of someone, the greater the chance of a successful career. Add to that a good education at a major university, most likely followed up by a Master’s degree and the chances of career success grow exponentially.

The reality however is that not everyone has the required skill set or intellectual capacity to study and pursue a successful career. And some are not even bothered, owning to perhaps a supportive family nursing the career development of their offspring. On the other side of the spectrum, the career ladder may be distinctively different. Not everyone wants to become a coder or data scientist, some just may want to be creative or pursue culinary endeavors. And the latter two – the creative and the culinary – have a distinct advantage where AI cannot compete; creativity cannot be programmed, only copied or simulated.

At the bottom of the labour market – the blue collar worker – which usually involves low-skilled, repetitive manual labor such factory workers, the future looks rather bleak. Just about any blue collar worker can and will be replaced by robots or robotics. Think car manufacturing, warehousing and logistics, to name but a few of the obvious. And soon driverless taxis and trucks will impact the transport and logistics industries beyond recognition.

White collar workers have a relatively better future, although not easily replaceable depending on required skill set, they can be substituted through automation and RPA (Robotic Process Automation). Think insurance brokers, travel agents and accountants.

University graduates, experts and specialists have a distinct advantage; they cannot – as yet – all be replaced by AI and automation. Think doctors, lawyers and scientists as well as many other specialized occupations such as artists, musicians and athletes. After all, no one wants to see robots performing a live concert or competing at the Olympics.

The biggest challenge however will be how to prepare for a continuously evolving labour market where rapidly advancing tech will have the comparative advantage. And the only answer to this vexing question is that society will need to focus on “humane tech” and ensure that the human element does not go lost in automation, algorithms and robotics.

Just received my first published paperback book “The Corona Crash” !

After 10 months of writing, I am very happy to be holding the first copy of my book, a milestone in my life and the beginning of many books to come.

I could not have achieved this without the support of my friends and family so a BIG THANK YOU to all who supported me during my writings in a challenging year that’s soon coming to an end.

Unfortunately, there are still difficult times ahead but we are – slowly but surely – turning the corner and overcoming this devastating global pandemic.

Wishing everyone happy holidays as well as all the best wishes and prosperity in the New Year 2021 !

Eleftherios Jerry Floros

London 22 December 2020

Available presale on and soon on Amazon, Barnes & Noble and Waterstones.

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