What Happens When We Become A Cashless Society? The U.S. government didn’t issue banknotes until 1862. Before that, people paid for goods and services with a mix of government-minted coins and currencies issued by private banks. And now cash is on its way out, accounting for just 40% of payments in 2012 and dropping. There are many benefits to removing cash from the economy, such as eliminating black markets and allowing more easy monetary policy. But there are also concerns when every single transaction can be monitored, examined, or manipulated. Regardless of where you fall, though, one thing is clear: As online shopping becomes yet more prevalent, and prepaid credit cards take the place of more and more low-value cash transactions, cash is well on its way to becoming obsolete.
Privacy In A Cashless World Governments and their agencies love electronic transactions. The promise is that banning cash would end black markets, but for honest citizens, the end of paper cash brings many unsettling downsides. Rich And Poor Ethical Money. Swedes Warned As Pimps & Prostitutes Use Airbnb Homes In Stockholm. According to police in Stockholm, pimps are using fake profiles to book apartments through Airbnb, then use the sublets for their prostitutes’ services. Swedish police are now warning owners of apartments listed on Airbnb to beware, as a growing number of prostitutes entertain their clients in the privately owned homes.
Simon Häggström is the head of the Stockholm police unit leading investigations in Stockholm, and he says prostitutes are currently active at approximately 200 addresses on any normal day in the city. While hotels were previously their accommodation of choice, Airbnb has now given them a great alternative. Häggström told the Swedish newspaper Dagens Nyheter that sublet apartments are now the “largest market for prostitution in Stockholm.”
He went on to say that many of the pimps and their prostitutes were using properties advertised on economy accommodation sharing sites like Airbnb and that the pimps pose as a respectable couple to rent the properties. “People are naive. Insurance, The Blockchain, and The Sharing Economy: Re-Imagining InsuranceTech with P2P Social… Insurance, The Blockchain, and The Sharing Economy: Re-Imagining InsuranceTech with P2P Social Insurance Networks on the Blockchain I never thought I would ever write a paper about Insurance, but it recently came up as an interest of mine, as I’ve found that the most interested, and interesting parties, in the blockchain ecosystem are the innovators in the Insurance industry.
This is my take, musing if you will, on how Insurance companies can easily approach innovating in their industry with some exceptionally smart founders who are very willing to collaborate with the industry titans to solve some of the most interesting problems facing the developed and developing world. We all want to help one another. Human beings are like that. We want to live by each other’s happiness — not by each other’s misery. We don’t want to hate and despise one another. In this world there is room for everyone. Insurance Origins The Sharing Economy P2P Insurance The Blockchain and Insurance Conclusion. Proposal of a dignity scale for sustainable governance - OxPol. In October 2005, two North African teenagers died of electrocution in one of the banlieues of Paris as they were running from the police through a dangerous power substation.
An inquiry later established the teens were innocent, and the incident sparked some of the worst unrest seen in France over the past 40 years. The riots brought about much debate over the tense relationship between immigrant youth and the state, the recurring problems of “fracture sociale,” and a perceived lack of social justice. Above all, the protests were an expression of acute feelings of alienation experienced by a large section of society. The banlieues have been a breeding ground for deep frustration, maintaining a distinctly poor and marginalized status for decades. Unemployment is common and 36% of the banlieu residents are estimated to live below the poverty line—three times the national average.
These two examples share an important lesson about the crucial importance of human dignity. Emotionality. Oscar Health : Google met un pied dans l'assurance santé. Google Capital vient d’investir 32,5 millions de dollars dans la startup de l’assurance santé Oscar Health, qui s’est notamment fait connaître aux Etats-Unis en offrant à ses adhérents des bracelets connectés et en les rémunérant s’ils atteignaient leur objectif d’activité physique. Avec cet investissement, Alphabet poursuit donc son incursion dans la santé, en approchant le marché sous un nouvel angle : celui des financeurs du système de soins. Après plusieurs partenariats avec des laboratoires pharmaceutiques, le développement d’un tracker d’activité, l’enrichissement de ses pages de résultats avec des infos santé et des tests de service de téléconsultation médicale, Google s’intéresse maintenant de plus près au marché de l’assurance santé aux Etats-Unis en investissant dans une startup prometteuse : Oscar Health.
Oscar Health, ou l’expérience client de l’assurance santé revisitée par la Silicon Valley Pourquoi Google s’intéresse à l’assurance santé. The future of insurance | Friendsurance. Charles-Edouard Vincent. « À l’heure où les grandes villes souffrent d’anonymat et sont de plus en plus touchées par l’exclusion, il est nécessaire de construire de nouveaux modèles plus inclusifs. Charles-Edouard Vincent est le fondateur d’Emmaüs Défi, un chantier d’insertion qui cherche à apporter des solutions innovantes pour lutter contre la grande exclusion. En 2015, il fonde LULU DANS MA RUE, une nouvelle initiative qui crée de l’activité pour tous ceux qui en ont besoin : personnes en recherche d’emploi, étudiants, jeunes retraités etc. Lulu dans ma rue est une initiative qui permet de mettre en relation des particuliers en quête de petits coups de main avec des "Lulus" qui ont du temps disponible pour rendre des services.Qu’est-ce que Lulu dans ma rue ?
Lulu dans ma rue réinvente la conciergerie de quartier et a lancé son premier kiosque dans le centre de Paris en avril 2015. Comment est née cette idée ? Pourquoi « Les Lulus » ont décidé d’être dans la rue et pas derrière un bureau ? Oui, tout à fait. La start-up française Heetch au cœur du conflit avec les taxis. Depuis la fermeture d'UberPop, cette application destinée à transporter des jeunes la nuit est désormais pointée du doigt par les taxis et...Uber. Pourtant, ses dirigeants se disent prêts à aider les taxis à se réformer. Vous avez appris à connaître Uber, vous allez désormais apprendre à connaître Heetch.
Depuis la suppression du service UberPop, les projecteurs se sont braqués sur cette start-up française de 20 employés, créée en septembre 2013. C'est pourquoi les dirigeants de Heetch, qui revendique plus de 150.000 utilisateurs actifs (contre 400.000 pour Uber), a souhaité prendre la parole ce lundi. «Nous sommes très étonnés de nous retrouver au milieu d'un conflit opposant G7 et Uber, deux acteurs importants du secteur qui monopolisent la parole. C'est donc très difficile de faire passer des messages en tant que jeune entreprise», regrette Teddy Pellerin, co-fondateur de Heetch. Quels messages? «Nous ne sommes pas les concurrents des taxis, bien au contraire» A savoir. Trying to get a grip on the gig economy - Equitable Growth. If headlines on websites and anecdotes from residents of major urban areas were evidence, the rising importance of the gig economy would be without doubt.
But the plural of anecdote isn’t data. Amid the growing hype about “sharing economy” companies such as Uber, Airbnb, and TaskRabbit, analysts have gone to the available data to see if this trend is actually important for the overall economy. The evidence so far has been less than kind to the excitement over the immediate transformation of the U.S. labor market into a gig economy. But even if these companies end up being important players in the years to come, they certainly are not the catalyst of radical change right now. The first place analysts turned to in order to evaluate the gig economy was survey data—specifically, data from the U.S. Bureau of Labor Statistics. A study by the Freelancers Union and Upwork last year, however, found a much larger role for self-employment. (AP Photo/Jeff Chiu) Forbes Welcome. « L’économie collaborative accroît les inégalités patrimoniales » Rue89.nouvelobs. Platform capitalism and the post-job economy.
TRACKS – i4j Eco Summit. If people earn their living through numerous gigs, will that make them secure to raise a family in the long run? This workshop will hopefully provide insights and alternatives to an economy that is based on employment. In the networked innovation economy, companies reach out beyond their walls to connect to the right people. It’s very difficult to put the whole team under the same roof.
Ecosystems are seeping into the organization charts. The mechanistic line organizations are encountering the organic ‘performance ecosystems’. Venture capitalists, entrepreneurs and participants exchange creative ideas about how a venture backed startup economy can disrupt today’s labor market dysfunctions. This conference is about ‘disrupting unemployment’. The US spends in the order of $100 Billion each year on supporting people who can’t find jobs. A Common Language for Disrupting Unemployment Markets for innovation and people’s need for good jobs are different worlds of storytelling.
A Shared Future, A Global Economy Of Haves And Servants. Editor’s note: Max Wolff is an economist and investment strategist who is the managing partner and chief economist at Manhattan Venture Partners. Previously, he has served as the chief economist at a leading financial technology and investment firm. Many high-flying companies are pushing logistics, services, and payment options to our new “sharing economy.” We see these firms and sectors as largely driven by macroeconomic trends. The American middle class is in steep decline, which has been true for 3-4 decades but accelerated rapidly after 2008. Converging U.S. and global macroeconomic change has created a millennial generation in fierce competition for opportunity and armed with the Internet in the search to reduce costs, find income and get ahead.
Inter-generationally, there are more mice, the mice are more hungry, and there is less cheese in life’s maze. Enter the “sharing economy.” It is not clear that drivers are major beneficiaries in many cases. The Productivity Obsession. In a hotel room on a recent business trip, nestled next to the telephone on the work desk, a little cardboard sign beckoned: “Help us make your stay more productive.” Not “restful” or “comfortable” but “productive.” In the hotel room as in the office, productivity increasingly stands as the default measure of accomplishment. Rest and relaxation are optional affordances against the expectation that workers make profitable use of their time. A century ago, Max Weber identified the Protestant ethic driving the spirit of capitalism, and the belief that the “waste of time is the first and in principle the deadliest of sins.”
This spirit is alive and well, as any quick perusals of Fast Company’s profiles of the most productive people would reveal. One place to look for an answer: Apple’s App store, which, like Google Play, has an entire category of productivity tools. Productivity apps facilitate the pleasure of time management, which is ultimately the pleasure of control. The land of leisure. AS MOST Americans will tell you if you can stop them long enough to ask, working people in the United States are as busy as ever. Sure, technology and competition are boosting the economy; but nearly everyone thinks they have increased the demands on people at home and in the workplace.
But is the overworked American a creature of myth? A pair of economists have looked closely at how Americans actually spend their time. Mark Aguiar (at the Federal Reserve Bank of Boston) and Erik Hurst (at the University of Chicago's Graduate School of Business) constructed four different measures of leisure.* The narrowest includes only activities that nearly everyone considers relaxing or fun; the broadest counts anything that is not related to a paying job, housework or errands as “leisure”.
No matter how the two economists slice the data, Americans seem to have much more free time than before. Messrs Aguiar and Hurst think that the hours spent at your employer's are too narrow a definition of work. Where’s our life of leisure? In their new book, How Much is Enough? : The Love of Money and the Case for the Good Life, the British father-and-son team of Robert (political economist) and Edward (philosopher) Skidelsky cite the famous prediction made by John Maynard Keynes in 1930: Assuming that productivity levels would continue to rise, Keynes said, his grandchildren and great grandchildren would likely have to work only 15 hours a week.
The rest would be leisure. Man, said Keynes, would then confront “his real, his permanent problem – how to use his freedom from pressing economic cares, how to occupy the leisure to live wisely and agreeably and well.” It hasn’t quite worked out that way. Although Western societies have continued to be more productive and working hours have declined, we aren’t even close to enjoying the bounty of leisure promised by Keynes. What went wrong? According to the Skidelskys, the free-market economy is the villain. Mouthbreathing Machiavellis Dream of a Silicon Reich. One day in March of this year, a Google engineer named Justine Tunney created a strange and ultimately doomed petition at the White House website. The petition proposed a three-point national referendum, as follows: 1. Retire all government employees with full pensions. 2. Transfer administrative authority to the tech industry. 3. Appoint [Google executive chairman] Eric Schmidt CEO of America. This could easily be written off as stunt, a flamboyant act of corporate kiss-assery, which, on one level, it probably was.
Welcome to the latest political fashion among the California Confederacy: total corporate despotism. Tunney was at one time a prominent and divisive fixture of the Occupy Wall Street movement. “Read Mencius Moldbug,” Tunney told her Twitter followers last month, referring to an aggressively dogmatic blogger with a reverent following in certain tech circles. Tunney’s advice is easier said than done, for Moldbug is as prolific as he is incomprehensible. “Moldbug.” An excerpt: Crowdtiming : c'est l'heure de se mobiliser ! - ConsoCollaborative. Pas toujours facile de donner de son temps pour une cause dans nos vie surchargées. Fullmobs s'inspire du crowdfunding et invente le " crowdtiming ", en invitant chaque personne à se mobiliser à la hauteur de ses possibilités. Suivez le mouvement ! « Les citoyens ont le pouvoir de faire changer les choses et de redessiner la société dans laquelle ils vivent, mais ils ne s’en rendent pas compte. Il suffit de passer à l’action ensemble pour que le monde et les mentalités changent. » Telles sont les paroles optimistes et encourageantes de deux jeunes femmes pleines de pep’s, qui ont co-fondé Fullmobs.
Roxane Julien et Séverine Pelleray ont lancé cet outil collaboratif en mars 2015. Diversité des mobilisations A vos projets ! La plateforme ne demande qu’à accueillir de nouveaux projets et de nouveaux bénévoles. Le porteur de projet dispose d’un espace dédié pour partager l’information avec ses cercles respectifs, inviter les gens à s’inscrire et échanger avec eux. Banking disruption: Removing the friction. Bret Easton Ellis on Living in the Cult of Likability. Après les Gafa, les nouveaux maîtres du monde sont les Natu. Le crowdfunding immobilier, comment ça marche? In U.S. driver lawsuit, Uber must live with class action order for now. Comment les « travailleurs 1099 » menacent l’Uber-économie. Amazon attaqué en justice par ses livreurs. Full-time workers vs. the 'gig economy': Why have employees at all? Rue89.nouvelobs.
Guilds and the Future of Work. Et si les chauffeurs Uber clonaient le système pour reprendre leur liberté ? Après les Gafa, les nouveaux maîtres du monde sont les Natu. What is the sharing economy? Platform Cooperativism vs. the Sharing Economy — Digital Labor. The Shiny New "Sharing Economy" Is Sure Starting to Seem Awfully Old-Fashioned.