In today’s fast-paced business landscape, collaboration tools are essential for streamlining communication, boosting productivity and ensuring your team remains connected. These platforms enable real-time document sharing, messaging and project management that can transform your operations.

However, with this enhanced connectivity comes cybersecurity risks that could disrupt your business. Without proper safeguards, hackers may access sensitive data; phishing attacks could target your employees, and unvetted third-party apps might introduce vulnerabilities. Understanding these risks is crucial to fully harnessing the benefits of collaboration tools while protecting your business from digital threats.

Phishing attacks

Employees can be vulnerable to phishing scams from fake links or malicious attachments. In 2022, internet users in Vietnam were more frequently exposed to phishing attacks worldwide than users in any other country, underscoring the urgency of recognising this threat. Your team members could inadvertently clink on harmful links that compromise sensitive company data or provide hackers with unauthorised access.

Regular phishing awareness training can help employees identify potential scams before they cause damage. Additionally, enabling automatic email filtering can reduce exposure to these malicious messages. It adds a crucial layer of defence against phishing threats.

Weak authentication

Poor password management and a lack of multi-factor authentication (MFA) can make unauthorised access to your systems and data too easy. Weak or reused passwords are vulnerable to breaches, so using MFA for all accounts adds a vital layer of security by requiring an additional verification step. 

Encouraging your team to use unique, strong passwords via password managers will also reduce the risk of compromised credentials. This combination of practices can improve your company’s security posture. It ensures your data remains well-protected.

Data leakage

You can expose sensitive company data using unsecured collaboration tools, putting your business at significant risk. In 2023, organisations could only detect one-third of breaches using their security teams. It highlights the challenges of relying solely on internal sources.

Also Read: What if cybersecurity included everyone it protects?

You must implement strong encryption for all data transfers to protect your company’s data. It ensures that only authorised recipients can access sensitive information. Additionally, enforcing strict access control policies will help you prevent unauthorised individuals from viewing critical files. It fortifies your defences and keeps your business secure.

Third-party integrations

Integrating with unvetted third-party apps may introduce security vulnerabilities. It can potentially put your company’s data at risk. These apps can have hidden backdoors or lack sufficient protection, exposing you to cyberattacks.

You can restrict third-party apps to only those undergoing thorough security evaluations. In addition, regularly review the security of integrated apps to ensure they remain compliant with your standards. Being selective and diligent helps protect your collaboration environment from potential breaches. It ensures that only trusted apps interact with your systems.

Insider threats

Employees might intentionally or accidentally share sensitive data, creating a significant vulnerability in your security infrastructure. In fact, 30 per cent of chief information security officers identified insider threats as a top cybersecurity concern. It emphasises the importance of managing this risk.

You can implement strict access permissions to reduce the chances of internal data leaks. This way, employees only see the information they need. Likewise, monitor usage to detect unusual behaviour and educate your team about the importance of data security. It ensures they understand their role in protecting your company’s sensitive information.

Outdated software

Using outdated versions of collaboration tools can expose your business to known vulnerabilities and leave you susceptible to cyberattacks. Hackers often exploit older software flaws, which could risk your data.

Also Read: These top cybersecurity firms are vital defenders against evolving digital threats in 2024

Ensure you regularly update your collaboration software to the latest security patches to protect your company. This simple practice ensures you benefit from the most recent protections against potential threats. It keeps your business communications safe and secure.

Lack of encryption

Unencrypted communication channels can expose your business to eavesdropping and data interception, leaving your information vulnerable. In 2022, perpetrators breached over 34 million accounts in China — the highest number in the Asia Pacific region — demonstrating the magnitude of this issue.

Choose collaboration tools that offer end-to-end encryption to safeguard your company’s communications. It ensures your data remains private and accessible only to intended recipients. This added layer of protection will minimise the chances of unauthorised parties intercepting critical information and keep your business conversations secure.

Misconfiguration of settings

Misconfigured settings can lead to unintended data exposure, potentially making your company’s sensitive information accessible to unauthorised parties. Conduct regular audits of your collaboration tools to ensure proper configuration and to identify vulnerabilities that might put your data at risk.

Additionally, use secure defaults to establish a strong baseline for your settings. By staying proactive, you’ll safeguard your systems against accidental oversights and help prevent data from slipping through the cracks.

Enhancing business operations by prioritising cybersecurity

Proactive measures can minimise cybersecurity risks and protect your business from potential threats. Prioritising this aspect in your collaboration tools creates a safer environment for your team’s productivity and communication.

Don’t wait for a breach to highlight your vulnerabilities. Instead, take steps now to safeguard your data. Make cybersecurity a core strategy to enhance your business operations and secure your organisation.

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This article was first published on May 27, 2024

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Asia is leading the global shift to digital payments – something that frequent international travellers are quick to notice. During a recent trip through Asia, Yuno’s Co-Founder and CEO, Juan Pablo Ortega, stopped by a Starbucks in Shanghai and, after pulling out his credit card to pay, noticed the barista was stumped — it had been a while since they had seen someone paying with a physical credit card.

This simple encounter speaks volumes about the stark differences between Asia’s payments landscape and that of North America and Europe. Across much of Asia, digital wallets have become ubiquitous, enabling many countries to leapfrog from cash directly to digital payments. Unlike developed markets that are still grappling with legacy banking systems, Asia has largely bypassed the era of clunky traditional financial products.

For the region’s young, ambitious and increasingly tech-savvy consumers – many of whom remain underbanked – this shift has brought convenience and inclusion. However, the rapid adoption of digital payments also presents challenges. They carry greater security risks particularly regarding fraud, and are also difficult for multinational businesses to navigate, given the wide differences in preferred payment methods across Asian countries.

For example, QR code-enabled payments dominate in the Philippines, driven by the central bank’s QR Ph initiative. Similarly, platforms like Alipay and WeChat Pay are embedded in daily life in China. Meanwhile, Singapore continues its transition to a cashless society, with PayNow at the forefront. 

As a global payments orchestrator, we are fortunate to witness these exciting developments firsthand. The trends emerging today are shaping a future that is as dynamic as it is transformative.

Here are five key trends we believe will continue to define Asia’s payments sector in 2025:

New technology will further reshape cross-border payments 

Cross-border transactions have long been plagued by high fees, slow processing times, and a lack of transparency. However, as new providers emerge, cross-border payments are becoming increasingly decentralised and threatening to disrupt the dominance of traditional correspondent banking networks.

Consumers are becoming more aware of convenient, lower-cost options like dynamic currency conversions for FX, as disrupters like Revolut and Wise offer more competitive pricing. Initiatives like Project Nexus, which promote cross-border account-to-account (A2A) transfers, are also further improving FX conversion speed and transparency.

Other innovations such as wallet interoperability are enabling easy fund transfers between digital wallets, critical for Asia’s wallet-dominated markets. Blockchain technology is further enhancing the landscape by enabling faster settlements, reduced reliance on intermediaries, and greater security, with Central Bank Digital Currencies (CBDCs) like China’s digital yuan pointing toward a unified digital-first ecosystem.

These advancements are breaking down barriers. Consumers benefit from lower costs, greater transparency, and faster processes, while businesses can expand into new markets with ease, offering customers more flexible and affordable payment options.  As innovation continues, we are likely to see a more democratic global payment ecosystem emerge, one where businesses in emerging markets can compete on a more level playing field.

Also Read: How fintech is disrupting the Southeast Asian payments market

Payment orchestration will become increasingly business critical

Once a niche concept, payment orchestration is now becoming an indispensable partner for businesses navigating Asia’s rapidly evolving payments ecosystem, providing optionality to merchants and giving them the freedom to quickly go to market when expanding globally. Payment orchestrators make it easy for companies to access hundreds of locally relevant payment options, including traditional cards and alternative payment methods (APMs) like e-wallets and QR codes, and quickly integrate them in just a few clicks. 

This makes it easy for merchants to offer the most popular payment options in each market, tapping into new customer segments and improving financial inclusion. It also helps them reduce internal costs and scale more quickly across Asia and the rest of the world.

Beyond integration, payment orchestration platforms can help enhance localised insights and experiences, including by integrating AI-based features into their tool kit. Payment orchestrators like Yuno can help companies to optimise their entire payment ecosystem – from incoming customer payments to outbound payments to partners and suppliers – driving revenue growth and enabling them to fully capitalise on the region’s continued e-commerce boom.

As payment orchestration evolves, it is shifting from being a purely technical tool to a strategic partner, offering data-driven insights that help businesses hyper-localise their offerings and penetrate markets more effectively. In Asia’s diverse payments landscape, this capability will be a cornerstone of success.

Embedded finance will extend its reach

Embedded finance is already revolutionising the payments landscape, and its influence will only grow in 2025. With the proliferation of Payments as a Service (PaaS) providers, merchants can now integrate financial services directly into their platforms, enhancing convenience and reducing friction.

Ride-hailing platforms like Grab and inDrive exemplify this shift. Grab now offers embedded insurance and loans for drivers and users, significantly enhancing financial access for underserved populations in Southeast Asia, while inDrive has launched lending for drivers in some markets, starting with Latin America. 

Beyond convenience, embedding financial services enable businesses to offer a broader suite of solutions, such as lending, remittances, and card issuance, directly through their platforms. This simplifies the customer journey, unlocks new revenue streams, and strengthens customer loyalty. As consumer demand for integrated, hassle-free solutions grows, embedded finance will play an increasingly central role in driving innovation and growth across the payments ecosystem.

As a result, traditional banks may see their role diminish in favour of tech-first ecosystems in the future, with platforms like Grab, Gojek and inDrive emerging as the new financial providers of choice for millions of customers. This process, redefining financial services, is already underway.

Also Read: Navigating the gender divide in the Southeast Asia’s fintech landscape

UX will continue to grow in importance

Today’s consumers expect more than functionality – they demand payment experiences that are intuitive, seamless and even enjoyable. Unified commerce, which integrates online and offline payment systems to let customers use their preferred payment methods anywhere they shop, is therefore becoming increasingly vital to merchant success.

We are already seeing retailers allowing customers to scan QR codes in-store to pay instantly via their apps, bypassing the cash register line. But the future promises even more. Biometric authentication, one-click checkout and integrated loyalty programs are quickly becoming essential for businesses looking to differentiate themselves.

Biometric authentication helps to speed up payments while enhancing security; one-click checkout simplifies online transactions by allowing customers to pay in just one tap. Integrated loyalty programs, meanwhile, encourage repeat purchases by automatically applying rewards and discounts to shopping carts, creating a more personalised customer experience. 

Other customer-centric innovations that integrate payment UX into non-payment services to enrich customers journeys are also gaining popularity. For example, IKEA’s Place and Pay AR feature allows customers to visualise furniture in their homes before paying through an integrated one-click checkout system. 

Such integrations combine augmented reality (AR) and gamification to enrich customer journeys. In the future, innovative use of AR, VR and other features integrated with payment tech are likely to become the main differentiator for brands, as consumers will demand an increasingly engaging and memorable shopping experience.

Payments optimisation will continue across the value chain

Payments optimisation is leveraging predictive analytics to anticipate currency fluctuations, helping businesses make informed decisions before losses occur. To achieve optimal performance, merchants should strategically leverage both local acquiring and cross-border acquiring services. 

Local acquiring can reduce costs by minimising interchange fees and cross-border transaction fees, while improving approval rates due to reduced latency and greater familiarity with local regulations and consumer preferences. At the same time, cross-border acquiring can simplify operational complexities, especially for merchants serving international customers in multiple markets.

To make the most of this, merchants can deploy AI and machine learning to intelligently route transactions. These tools can analyse key factors such as purchase success rates, latency, and complex cost structures of payment networks like Visa and Mastercard. By dynamically routing transactions to either local or cross-border acquirers based on real-time data, merchants can maximise approval rates, reduce costs, and enhance the overall customer experience.

Also Read: How to recession-proof your business with payments

In the future, we may see predictive optimisation evolve even further, transforming into real-time automation systems where AI autonomously manages currency exchange, liquidity, and settlement across global supply chains, making international business operations even faster and more cost-effective.

As the above trends continue to evolve, businesses across Asia must stay agile to capitalise on the opportunities presented by this rapidly changing landscape. With the rise of new technologies, payment orchestration, embedded finance, and other innovations, the future of payments in Asia is more dynamic than ever.

Asia’s payment sector is at an exciting inflection point and innovation is moving forward at breakneck speed. As the continent continues to lead the world in redefining how payments are made and managed, businesses that adapt to these new and evolving trends in 2025 will be well positioned to unlock the vast potential that all the different countries in Asia have to offer.

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Partnerships and collaborations are essential for growth in every aspect of life and business, and they are vital in real estate sales management and development in Vietnam.

I have been involved in managing sales and marketing for various real estate projects in Vietnam, such as Mon Rosalia Villas, Green Pine Villas, Grand Bay Townhouse in Halong, Quang Ninh province, and the Minato Residence in Haiphong City, etc. I found it a really interesting and memorable experience in regard to the effectiveness of partnership and collaboration in the sales development of a real estate project.

I take the Mon Rosalia Villas project, for example. It is a high-end villa project located in the heart of Ha Long City, targeting affluent clients who desire a luxurious lifestyle. You may see it appears completely hard for a few individual sales agents or even agencies to sell luxurious properties to the targeted customers.

As a marketing and sales manager, I should have proposed and carried out an appropriate strategy for the project to hit the sales target within a limited time frame. I led my team to focus on partnership and collaboration with all agency or agent partners who want to join the sales program for the potential project. 

Aside from the close collaboration with the agency leaders, managers and sales partners, we needed to convince the sales agents in the targeted regions as well. To generate momentum and inspire the sales community, my team organised highly personalised events and advertising activities. These initiatives helped energise the salespeople, ignite their passion, and equip them with practical and natural sales techniques to reach target customers effectively.

This approach not only motivated the sales team to overcome challenges and achieve sales targets but also ensured they stayed committed to the project until the final units were sold. Consequently, target customers quickly understood and appreciated Mon Rosalia’s unique offerings.   

Steps to initiate the successful partnership and collaboration in real estate sales 

The journey of a thousand miles begins with one step. Also, in real estate, if you want to gain success in the sales development journey on the basis of partnership building, these proven steps can be taken. To start the process of building partnerships to enhance sales for a specific project, you need to fully understand every way the project is being open for sale and figure out the target market and customers. In this step, you can weave together all the information ready to initiate the right support, promptly design creative materials and solidify true collaborative partnerships with the sales force.

Also Read: Blockchain is revolutionising the real-estate market through fractional ownership

Secondly, sales plans and benefit programs should be prepared carefully to satisfy the expectations of the partners. The packages must be convincing to the real estate community, too, because it is a matter of fact that the sales force is very straightforward in regard to actual gains for themselves. Real values should lie in the benefit programs.

In the third step, you can actively check up on all the agencies and sales partners and also publicly share about your role in the very potential project. You should be very confident in the role so that the mood of our partners dedicated to your project will be boosted accordingly.

You can passionately contact and present the whole story to the partners so as to get them totally involved in the mission in the fourth step. Especially for sales agents, you can connect with them in communities where there are layers of support and engage them in separate benefit programs. Only when the sales agents feel the enthusiastic collaboration from you do they focus on selling your given real estate properties?

Finally, you get all the official partners onboard to play fruitful games and continuously support them all in a professional and transparent way. 

Generally speaking, these steps are the practical guide for you to start partnerships in real estate sales development. Meanwhile the results may also be affected by the challenges such as competitiveness among projects in the market where we must build and show our clear difference. The prestige, financeability and reputation of the project developer is also another challenge for the partnership and collaboration.

Approach to future effective partnership in real estate sales development

While the traditional property agencies are facing challenges of salary and office cost efficiency but also the optimal transactions that can produce the highest margin, new model businesses leveraging the technology and partnership with other partner agencies, agents, and even anyone from other sectors who wants to earn extra income from real estate have been strongly approached.

Supporting and engaging sales partners in potential property inventories through trading and communication platforms would be an optimal and cost-effective approach. It means building a strong sales force or large communities of sales agents through the provision of supportive functions and tools.

So, the convergence of collaborative partnerships and technology can help businesses optimise transactions and also facilitate the salespeople to win successful deals. This result is eventually appropriate for businesses and appeals to the sales agents at most. 

Knowing well how to build strong sales communities does not mean successful implementation without any capability of bringing in attractive property inventories, competitive commission shares, and especially your credibility and financial ability.

Also Read: The D&I advantage: How inclusion fuels growth in Vietnamese real estate

Now, we are in a world where we must provide state-of-the-art technological functionalities and utilities to strengthen our sales communities. Let’s imagine your Gen AI tool can help sales agents better consult and win deals with customers, then you can answer the question if the sales agents will partner with you.

Actually, with my experience of old-school property agency management, I am turning to develop my business with this approach by leveraging the power of community and technology to optimise real estate commerce. My startup is an ecosystem where one of the subsidies will be making the most of the collaborative partnership with larger sales agents or affiliates. I am confident that the business model will result in fruits in the long run.

Startups need cross-party collaborations

Cross-party collaboration is inevitable and essential for driving innovation and growth in real estate. Just in dealing an ordinary property transaction, we need a partner to go with to ensure a deal done; so in order to develop sales for large scale projects, we need a community of sales professionals as the matter of course.

The sales activities of every business are always vital. Good sales may come from the active networking approach and customer base building with clients and partners, so real estate startups should actively take advantage of cross-party collaboration in an attempt to create sales opportunities and direct sales. Cross-party collaboration also helps startups learn and experience actual operations and strategies from their peers to improve their own operations. 

Thus, I have pointed out the practical power of partnership and collaboration in real estate commerce development. With the actual steps of building partnership, if you are new to the real estate sales development, you can try my suggested ones, meanwhile experienced ones can selectively take appropriate ones to apply to real life.

It is apparent that partnership and collaboration are effective initiatives for any real estate agency, so you can take this strategy of enhancing partnership and collaboration in a separate new business or even add this approach to your current entrepreneur. I really believe in and take advantage of the power of partnership and collaboration in real estate sales development.

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Editor’s note: e27 aims to foster thought leadership by publishing views from the community. Share your opinion by submitting an article, video, podcast, or infographic.

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This article was first published on July 23, 2024

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Success was once a solitary pursuit for me — a mountain to climb alone. I believed that the view from the top would validate my worth as I reached new heights in my career. Before my tenure as Chief Strategy Officer at Bitsmedia Pte Ltd, the company behind Muslim Pro, the world’s most popular Muslim app, my professional life was driven by aggressive targets and relentless competition.

Shifting perspectives through motherhood

Motherhood brought a profound shift in perspective. The relentless pursuit of professional milestones became less critical as I began to see success as a holistic concept encompassing both professional achievements and personal growth. I wanted to set an example for my daughters, showing them that women can simultaneously pursue their dreams and nurture their families. This realisation has driven me to foster a culture at Bitsmedia where personal and professional development is equally valued.

Mastering work-life balance

Balancing a demanding career and the needs of three children is a constant challenge, often accompanied by the infamous mom guilt. I remember a particular weekend when I faced a tough choice between attending an important networking session or my daughter’s recital. As much as I knew the networking session could benefit my career, I chose to attend the recital because being present for my children is a top priority. 

By being ruthless with my time and prioritising what truly matters, I’ve learned to manage these demands more effectively. This discipline has made me more efficient and reinforced my commitment to both my family and career. This approach has naturally flowed into my professional life, reshaping my leadership style to be more understanding and mindful. Gone are the days of blunt-force leadership. Now, I aim to build bridges instead of walls.

Creating an inclusive workplace in tech

At Bitsmedia, we have cultivated an environment where everyone, especially mothers, can thrive without sacrificing family for a career. Our flexible work arrangements and leave policies are designed to ensure that our employees feel valued and supported. These initiatives are not just about accommodating personal needs; they are integral to our strategy for fostering a more inclusive workplace.

Also Read: Invest in women, accelerate progress: Why gender equality matters now more than ever

These efforts have yielded significant results. For instance, women comprise almost half of our team, significantly ahead of the tech industry’s average of 29 per cent. This diversity has enriched our workplace culture and helped dispel the myth that working mothers are less productive. By empowering our team members to balance their personal and professional lives, we have created an environment where everyone can contribute effectively and feel appreciated.

Challenges and advocacy in the tech industry

Navigating the tech industry as a visible female minority (in a hijab, no less) in a leadership role presents unique challenges. There is often a need to prove myself twice as much. However, this has motivated me to push harder and speak louder. My personal experiences highlight the broader reality of the industry, which, despite progress, remains largely a boys’ club. Women in leadership are still battling the “diversity hire” label and often must be twice as good, if not more, to be heard.

Inspiring future female tech leaders

It is essential to challenge these norms and advocate for greater representation. I want my daughters and all young women to know they can chase their dreams without losing a piece of their hearts. Being a mom should not mean sacrificing your passions. Women can build empires and loving families, making choices based on their interests and aspirations, not societal expectations.

My journey at Bitsmedia is about more than just climbing the corporate ladder. It is about building an environment where having it all is not just a possibility but a reality for those who choose it. By sharing our experiences and strategies, we hope to inspire other leaders and organisations to foster inclusive and supportive environments that empower everyone to succeed.

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This article was first published on July 25, 2024

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Have you ever felt like you’re capable of more, but something holds you back?

This article explores key thought patterns that can transform you into a high performer. We’ll cover the growth mindset, locus of control, marginal gains, and the habit of ferocity. Ready to level up?

Key thought patterns for high performance

Growth mindset

A growth mindset, a concept introduced by psychologist Carol Dweck, is the belief that abilities and intelligence can be developed through dedication and hard work. This mindset is crucial for high performance because it fosters a love for learning and resilience essential for great accomplishments.

Implementing a growth mindset in daily life means viewing challenges as opportunities rather than obstacles. For example, if you face a tough task, instead of thinking, “I can’t do this,” try, “I can learn how to do this.” This shift in perspective opens the door to growth and improvement.

Here’s a simple exercise: next time you receive feedback, instead of feeling defensive, ask yourself, “What can I learn from this?” This question transforms feedback into a valuable learning tool, propelling you forward.

Locus of control: Be the captain of your ship

Locus of control is a psychological concept that refers to how strongly people believe they have control over the situations and experiences that affect their lives. Those with an internal locus of control believe they can influence their outcomes through their own actions. Conversely, those with an external locus of control believe their lives are controlled by external factors beyond their control.

To develop an internal locus of control, start by recognising the areas in your life where you feel powerless and ask yourself what actions you can take to regain control. Set realistic goals and create actionable plans to achieve them. Reflect on your successes and acknowledge the role your actions played in achieving them.

For instance, if you’re overwhelmed by work, break your tasks into manageable pieces and tackle them one at a time. Celebrate small victories along the way to reinforce your belief in your ability to effect change.

Marginal gains: The magic of one per cent improvements

Marginal gains refer to the philosophy of making small, incremental improvements in any process, which can lead to significant improvements when these small gains are added together. This concept was famously used by the British cycling team to achieve remarkable success.

Also Read: Why finding your co-founder is a lot like meeting your soulmate

Think about your daily habits. Small changes like waking up 10 minutes earlier, drinking an extra glass of water, or spending an additional five minutes on a task can compound over time and lead to significant improvements in performance.

Consider the story of James Clear, who describes how making tiny one per cent improvements each day can lead to exponential growth over time. By focusing on small, consistent changes, you can achieve significant results without feeling overwhelmed.

The habit of ferocity: Stack your motivations

The habit of ferocity involves stacking multiple sources of motivation to build relentless drive and energy toward your goals. It’s about combining passion, purpose, and persistence to create an unstoppable force.

To stack your motivational drivers, identify activities that excite and inspire you. Integrate these activities into your daily routine and align them with your long-term goals. Surround yourself with supportive people who share your ambitions and can provide encouragement and accountability.

Future-oriented thought patterns

Future-oriented thinking can significantly impact performance, either positively or negatively. Positive future-oriented thoughts can boost motivation and drive, while negative thoughts can lead to anxiety and decreased performance.

To manage negative future-oriented thoughts, practice mindfulness and focus on the present moment. Reframe negative scenarios by focusing on potential solutions instead of problems. Visualise positive outcomes regularly to train your mind to expect success.

Also Read: Autistic founders, advocates share their vision of a more inclusive workplace

For example, if you’re worried about an upcoming presentation, visualise yourself delivering it confidently and receiving positive feedback. This positive visualisation can reduce anxiety and improve your actual performance.

Practical steps to develop high-performance thought patterns

Actionable steps for each thought pattern

• Growth mindset: Start a growth mindset journal where you record daily lessons learned and areas of improvement. Reflect on how challenges have helped you grow.
• Locus of control: Identify one area of your life where you feel out of control. Create a plan to take actionable steps to regain control. Celebrate your efforts and successes.
• Marginal gains: List small, daily changes that can improve your performance. Implement one change per week and track your progress. Celebrate the cumulative impact of these small improvements.
• Habit of ferocity: Find a passion that aligns with your goals and integrate it into your daily routine. Surround yourself with supportive, like-minded individuals. Set clear, long-term goals and break them down into smaller, actionable steps.

Quick tips and deeper strategies

Set daily intentions, practice gratitude, and seek feedback regularly. Make a habit of reviewing your progress and adjusting your strategies as needed.

Engage in continuous learning through books, courses, and workshops. Develop a support network of mentors and peers. Set long-term goals and create detailed action plans to achieve them. Reflect regularly on your progress and adjust your approach as needed.

Change doesn’t happen overnight. Start with small, manageable steps. Celebrate your progress, no matter how minor it may seem. Consistency is key—keep pushing forward, and you’ll see significant improvements over time.

Embracing a high-performance mindset is about adopting the right thought patterns and consistently applying them in your life. By cultivating a growth mindset, taking control of your destiny, making incremental improvements, and stacking your motivations, you can unlock your full potential.

Start small, stay committed, and watch as you transform into a high performer.

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Editor’s note: e27 aims to foster thought leadership by publishing views from the community. Share your opinion by submitting an article, video, podcast, or infographic.

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This article was first published on July 26, 2024

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Anything is possible if you believe so!

There have been a lot of conversations around manifestation. I learned very early in my life that your mindset can make a major difference in outcomes, and that applies to all aspects of life.

You can be contesting for a spelling bee as a student and remember all the things you cannot spell. You can be an entrepreneur setting up a business and continuing to focus on people who would never buy from you.

You can be anyone, doing anything and allowing the fear of failure to get the best of you. And then it does get to you, sometimes even keeping you from trying harder.

We have all been there, given up on opportunities or just knowing that it won’t work out. And it is easier said than done but really, changing that conversation with yourself can make so much difference, it’s crazy.

Believe that Anything is Possible!

When I was first venturing into the world of entrepreneurship and building a company, I just did not want to fail. It’s hard to explain how strongly I felt about it. During the early days of FuturByte, I trained my mind to believe that anything is possible and that I can make this work.

Of course, some days were bad. Starting a new company is never a smooth road, and that’s why giving up is easy. But because the only thought I allowed my mind to have was that success was possible, the hard days didn’t get harder.

Also Read: Rewriting the narrative about motherhood and career: Insights from a female tech leader

In the early days, setting up an office in Dubai was hard. Tons of legal requirements, checklists, and so much more. And then having a team in Pakistan as well — so I had to constantly travel, have endless meetings, ensure smooth collaboration between the teams, and whatnot.

Those were pre-COVID-19 times, so people weren’t as familiar and comfortable working with remote teams as they are now. I had to work on fostering trust between stakeholders, driving business growth, keeping profitability in mind, and the list goes on. I am certain I couldn’t have made it so far if I did not have this mindset.

Repeat with me: anything is possible!

It’s a philosophy that encourages us to dream big, work hard, and never give up. It’s the belief that with the right combo of effort, perseverance, and hard work, we can achieve anything we set our minds to.

What difference does it make?

All the difference in the world, trust me. This soon became my company’s tagline because I feel it leaves no room for giving up. I want my people to create endless possibilities for themselves. Whether we are trying to fix a bug, pitching to a new client, or building new software – we have to believe that we can do it.

This philosophy has helped us get through challenges and obstacles. On days when it feels a little too ambitious, we remind ourselves of the thought that anything is possible. Then the only conversation left is HOW?! Half the problem is already solved when you believe that a solution exists.

When you believe anything is possible, setbacks and failures become temporary hurdles, not roadblocks. You see them as opportunities to learn and grow, rather than reasons to give up. This resilience allows you to bounce back stronger and keep pushing towards your goals. And you are not limited by assumptions of what can or can’t be done, allowing for creative problem solving.

In the next few days, just try to remind yourself to focus on the possibilities, and repeat to yourself if you have that anything is possible!

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This article was first published on July 29, 2024

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The cryptocurrency landscape has once again proven its resilience and transformative potential, with a series of groundbreaking developments this week underscoring the sector’s meteoric rise. From record-breaking inflows into US spot Bitcoin ETFs to bold legislative promises from America’s newly appointed Crypto Czar, David Sacks, and the global expansion of crypto financial products, the stage is set for what could be a defining era for digital assets.

Add to this the staggering financial success of Tether, the stablecoin giant, and it becomes clear that 2025 is shaping up to be a pivotal year for the crypto ecosystem. As a journalist deeply immersed in the world of finance and technology, I believe we are witnessing the dawn of a crypto renaissance—a “golden age,” as Sacks aptly put it.

However, while the optimism is palpable, it is crucial to temper enthusiasm with a critical eye, ensuring that the promises of this new era are matched by responsible innovation and robust regulation.

Let’s begin with the headline-grabbing news from the US spot Bitcoin ETF market. In January 2025, these funds recorded an astonishing US$5.25 billion in net inflows, surpassing December’s already impressive totals. This surge is a testament to the growing institutional appetite for Bitcoin as a legitimate asset class, with industry heavyweights BlackRock and Fidelity leading the charge.

BlackRock’s iShares Bitcoin Trust (IBIT) alone accounted for a significant portion of these inflows, cementing its position as a dominant force in the ETF space. Fidelity’s FBTC also saw substantial gains, reflecting the trust investors place in these established financial institutions.

Analysts are bullish, predicting that 2025 could be another banner year for crypto ETFs, driven by a combination of favourable market conditions, regulatory clarity, and increasing mainstream adoption. The numbers speak for themselves: Bitcoin ETFs have become a cornerstone of institutional portfolios, with inflows signaling a shift from speculative trading to long-term investment strategies. This is a remarkable turnaround for an asset class that was once dismissed as a fringe phenomenon, and it underscores the maturation of the crypto market.

Yet, as impressive as these figures are, they must be viewed in context. The success of Bitcoin ETFs in the US is not merely a product of market dynamics but also a reflection of the broader regulatory and political shifts under the new administration. This brings us to the second major highlight of the week: the press conference in Washington, DC, led by Sacks, the newly appointed Crypto Czar.

Sacks, a former PayPal executive and a staunch advocate for digital assets, declared that crypto is on the cusp of a “golden age.” His vision, articulated alongside legislators, includes a comprehensive legislative agenda aimed at fostering innovation while ensuring consumer protection.

The first item on the docket? Stablecoin legislation. This is a critical move, as stablecoins have become the backbone of the crypto economy, facilitating everything from cross-border payments to decentralised finance (DeFi) applications. Sacks’ optimism is infectious, and his promise of a regulatory framework that balances innovation with oversight is music to the ears of crypto enthusiasts and investors alike.

However, I must caution against unbridled optimism. While Sacks’ rhetoric is inspiring, the road to stablecoin regulation is fraught with challenges. The complexity of aligning the interests of regulators, industry players, and consumers cannot be overstated. Stablecoins, while transformative, have also been a source of controversy, with concerns about transparency, reserve backing, and systemic risk looming large.

Also Read: Looking at the global market dynamics: Cryptocurrencies, regulatory challenges, and the potential for market abuse

The collapse of TerraUSD in 2022 serves as a stark reminder of the potential pitfalls. Sacks and his team will need to tread carefully, ensuring that their legislative efforts do not inadvertently stifle innovation or create unintended consequences.

Moreover, the political landscape remains volatile, and the success of these initiatives will depend on bipartisan cooperation—a tall order in today’s polarised environment. Nevertheless, if executed well, stablecoin legislation could indeed pave the way for a golden age, providing the clarity and confidence needed to unlock the full potential of digital assets.

On the global front, another significant development unfolded this week with the launch of the first Australian Bitcoin and Ethereum spot ETFs in Singapore by Monochrome Group. This move, conducted under the stringent regulations of the Monetary Authority of Singapore (MAS), highlights the growing international adoption of spot crypto ETFs.

Singapore, long regarded as a financial hub with a progressive stance on digital assets, is an ideal launchpad for such products, particularly for institutional investors seeking regulated exposure to Bitcoin and Ethereum. Monochrome’s initiative is a clear signal that the global appetite for crypto ETFs is not confined to the US but is a phenomenon with far-reaching implications.

The MAS’s regulatory framework, known for its balance of innovation and investor protection, sets a high standard that other jurisdictions would do well to emulate. This development also underscores the competitive dynamics of the global crypto market, as countries vie to attract institutional capital and establish themselves as leaders in the digital asset space.

Yet, as with any expansion, there are risks. The success of these ETFs will depend on their ability to navigate the complexities of cross-border regulation and market dynamics. Institutional investors, while increasingly open to crypto, remain cautious, and any misstep—be it regulatory uncertainty or operational challenges—could dampen enthusiasm.

Moreover, the global adoption of crypto ETFs must be accompanied by robust investor education efforts, as the volatility and complexity of digital assets are still poorly understood by many. Nonetheless, Monochrome’s move is a bold step forward, and it reinforces the notion that the crypto revolution is a global phenomenon, not a localised trend.

Also Read: Real world tokenisation fireside chat with Anndy Lian: Unpacking the landscape

Finally, we turn to Tether, the stablecoin issuer that reported a staggering net profit of over US$13 billion in 2024. This record-breaking financial performance, driven by strategic investments in Bitcoin and other assets, underscores the growing role of stablecoins in the global crypto ecosystem.

Tether’s success is a double-edged sword: on one hand, it demonstrates the immense potential of stablecoins as a bridge between traditional finance and the digital economy; on the other, it raises questions about transparency and systemic risk. Tether has long faced scrutiny over the composition of its reserves, and while the company has made strides in improving transparency, doubts linger.

The US$13 billion profit figure is a testament to Tether’s ability to capitalise on the crypto bull market, but it also highlights the need for greater regulatory oversight to ensure the stability of the broader financial system.

In my view, Tether’s success is emblematic of the broader crypto narrative: immense opportunity tempered by significant risk. Stablecoins are undeniably transformative, but their integration into the global financial system must be handled with care. The lessons of the past—whether it’s the collapse of FTX or the volatility of TerraUSD—must not be forgotten. As Tether continues to grow, it will serve as a litmus test for the industry’s ability to balance innovation with accountability.

In conclusion, the highlights of this week paint a picture of a crypto ecosystem on the cusp of a transformative era. The record inflows into US Bitcoin ETFs, Sacks’ bold vision for a crypto golden age, the global expansion of spot ETFs, and Tether’s financial triumph are all pieces of a larger puzzle. As a journalist, I am cautiously optimistic about the future of digital assets, but I remain vigilant about the challenges ahead.

The golden age of crypto is within reach, but it will require a delicate balance of innovation, regulation, and responsibility. If we get it right, the rewards could be monumental—not just for investors, but for the global economy as a whole. The next chapter of the crypto story is being written, and it promises to be one of the most exciting yet.

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With the IMF recently forecasting the next decade to have the lowest global growth in 40 years, or major corporates cutting resources and stating the need for “a year of efficiency” (Facebook’s Zuckerberg for example) and venture capital drying up, its clearly a time when productivity and efficiency are at the top on the management agenda.

It’s a time where lean efficiencies are key to not only surviving but to out-positioning the competition. It’s also a critical time when you and your leadership team need to understand the deep efficiencies that Category Design delivers across the organisation.

What is Category Design?

The methodology and discipline of Category Design enable you to define the market and category to your advantage. This not only out-positions your competition but also unleashes completely new revenue and economic upside.

Category Design begins with the deep exploration of “the problem” your organisation can solve.  What is this unique problem that has never been adequately described?  Perhaps it’s an evolution of the current state and problem, or perhaps it’s a problem we didn’t even know we had.

Internal impact

This deep exploration and thinking drive a powerful internal alignment across your team.  Once you land on the new problem and its articulation, it becomes a key inflection point for your own personal leadership and the team.

It’s a deeper clarity on what we are solving today and into the future.   It’s either a fine-tuning of your overall strategy or a complete epiphany and makeover of it.   It’s an entirely new category that is being defined, with the strategic intent of your company to be the de-facto leader as the “Category King”.

Those who tell stories, rule the world

Imagine now the power of an invigorated story and point of view around the problem that the company is solving.  Internal Comms sees not only a major boost and clarity around the united objective and strategy of the company, but this story becomes incredibly viral and consistent across the team and any internal communications.

Vision, Mission and Brand Values are all still there (but may see some modification) but it is the laser-like focus on the problem that people and teams rally around.  What are we solving and why does it make a difference?

Now apply this to recruiting.  As a candidate considers your company as a team and employer the team’s passion is abundantly clear, with clarity around “the problem” that is core to the company and its ambitions.  It sets you apart from other companies, who have washed-out, unclear messages around what the team is collectively working towards.   It makes you and your team incredibly viral with your message and Point of View.

Also Read: You’re destined to fail if you don’t do this 1 thing when building international teams

Don’t just design your future, build it

In this journey to describe and solve the problem (and to be the Category King), how does your overall solution and product roadmap need to evolve?  This is the Blueprint stage of the Category Design Methodology.   This one-page visualisation shows what successive waves of innovation and product availability will be catalysed by the problem focus.  It brings together product, engineering, sales, marketing, channels, and leadership to understand and clarify as a team “what” will be delivered and “when”.

External impact

With a clear problem, Category and internal Blueprint defined, the key realisation is that you cannot be a Category and be only one company.  The Category is a new Ecosystem, that needs to be visualised and described.   What companies/technologies/APIs/services/consumers/channel partners/government agencies / NGOs /analysts/media (and the list can go on) are part of this Ecosystem?

How can we visualise this Ecosystem? What shape/diagram/flow/layers; does it have? How does it enhance and tell the story around the Category?

This is a major result and “asset” from the Category Design process: not only a visualisation of the Ecosystem but a catalysation of strategy around it.

Consistently we see clients going through this step of design-thinking and having a set of epiphanies on not only the components of the Ecosystem but key targets and players who have been overlooked up to this point.

The ecosystem also drives deep thinking and efficiencies for accountability (who owns what “slice” for example?).  And how will we track and measure our engagement and outcomes with members of our ecosystem?

One particular slice of the ecosystem is key media.  Which journalists and media organisations do we need to focus on and develop deeper relationships with? This is especially effective as it is armed with a much clearer, compelling Point of View as part of your regular engagement and pitching to media.  More effective and productive PR/Media Relations is a significant impact and outcome (such as earned media) from Category Design (and can be measured).

Similarly, Analyst Relations receive a major efficiency boost.  Which analysts are you targeting and why?  How do we prioritise? And Analysts, like media, are tired of product and company-centric presentations.  What is the bigger idea and Category that you are presenting?  How does your Blueprint and Ecosystem Map reinforce your story and illustrate the clarity of your strategy?

Having a compelling and differentiated Point of View, a clear Blueprint and Ecosystem Strategy are incredible accelerants for your go-to-market capability. Further fuelling this however is the Lightning Strike methodology.  This proven GTM efficiency and outcomes-driver is based on a concentrated burst of GTM activities.

In most cases, this intense concentration occurs over a two to three-week period and involves all members of the company to participate and support.  Marketing of course is a central player and coordinator, but a “strike” enables the senior leadership to engage the entire company for teamwork and a clear set of metrics and targets.

Every Lightning Strike (likely every six months) that you run will be unique, but will have your Point of View at the heart of your content, and will have clarity of what parts of your Blueprint you are announcing and need to be market-ready; along with your Ecosystem targets and KPIs.

Your strike will have creative aspects, tactical components, key marketing investments, target customer engagement and many other components, but this intense burst will move the needle for awareness as well as pipeline impact.  And because it is so defined in terms of timing, duration and metrics, you will be able to measure the impact and ROI very clearly.

Also Read: How to balance rapid growth and sustainability as a startup founder

The whole is greater than its parts

Taken in total, these eight forces across internal and external impact are thus direct outcomes from Category Design and create an ongoing efficiency-flywheel effect:

Internal	External
Alignment and strategy	Ecosystem
Internal communications	PR/media relations
Virality and recruiting	Analyst relations
Blueprint	GTM/lightning strike

But it is, as per Aristotle’s quote, greater than just the sum of the above parts.  Category Design challenges you and your team to not only think bigger, but differently. It’s your opportunity to lead, not follow.

And think about this:  You will always be in a Category.

The question then is: Do you want to position, or be positioned?

If you don’t define the problem and Category, then someone else will.

Carpe diem! Define and dominate your Category!

–

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This article was first published on May 9, 2023

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Recently, in Jan 16, I hosted a panel discussion, 2025 GenAI Trends in the Workplace: Implications for SMEs, at the AI Festival Asia, organised by the Association of Small & Medium Enterprises.

I was joined for a lively discussion on the state of AI for 2025 and its implications for SMEs by Ang Yuit, President of ASME, Ms Tin Pei Ling, Member of Parliament and Chairperson of Government Parliamentary Committee (GPC) for Digital Development and Information, Rajesh Sreenivasan, Partner and Head of the Technology, Media and Telecommunications Law Practice at Rajah and Tann Singapore LLP and Dr Simon See, Global Head of Nvidia AI Technology Centre.

I shared about “What” are the future trends to watch out for and framed them as 6Cs:

• Collection of data
• Compute power
• Context window
• Chain of thought
• Customisation
• Control

I introduced the “6 Cs” that described the upcoming impacts of generative AI in the workplace for the year ahead. These are opportunities that SMEs should position themselves to take advantage of if they are aiming to leverage AI adoption for value-creation. At the same time, people in Governance, Risk and Compliance (GRC) roles would benefit from these learnings to inform AI management programs in their organisations.

Here’s a condensed run-down of the six Cs that I presented.

Collection of data

The price of more contextualised outputs is more proprietary data. As organisations start leveraging internal knowledge repositories to build AI models that reflect their unique expertise, accompanying measures in Data Governance and bias mitigation are to follow. Small Language Models (SLMs) are now a rising alternative to Retrieval-Augmented Generation (RAG) techniques for deriving insights from internal data using AI models, allowing companies to do this with greater computation efficiency and enhanced privacy.

Compute power

Advances in NVIDIA’s Blackwell architecture, Amazon’s Ultracluster Supercomputer and Trainium Chips and cloud-based AI platforms are making cutting-edge AI accessible and scalable, particularly for SMEs. These innovations align with sustainability goals of environmental, social, and governance (ESG) nature, and democratise AI for smaller enterprises to tap on without prohibitive costs.

Context window

The introduction of million-token long context windows in Google’s Gemini 1.5 models spells the start of AI’s ability to remember multi-session conversational histories with an expanded — potentially infinite — memory. This will enhance workplace collaboration by maintaining project continuity between team members and delivering more contextually aware solutions. Advances in multimodal processing also means we can expect better synthesis and summary of complex documents to smooth out info-intensive communication.

Also Read: The smarter way to fundraise: How Marquee Equity helps startups secure investment

Chain-of-thought reasoning

The emergence of strategic reasoning capabilities in AI through its ability to reason step-by-step is enabling it to tackle complex, multi-step challenges and decision-making with greater transparency and explainability in its outputs. First implemented in OpenAI’s o1 model and now its o3 successor, Chain-of-Thought prompt techniques are projected to be a critical workplace skill that improves trust in AI-generated outputs.

Customisation

From the advent of no-code platforms to autonomous AI agents, businesses are beginning to leverage tailored solutions that cater to specific industries, departments and workflows. We may see more employee-driven innovation of AI tools to automate menial tasks and deliver personalised support. The surfacing of the Chief AI Officer (CAIO) role also signals the growing need for leadership in AI strategy and governance to keep developments in line with organisational objectives.

Control

As AI becomes more autonomous and agentic in nature, there will be a demand for robust governance frameworks and real-time systems monitoring to mitigate risks and maintain ethical AI usage. The CAIO will have to drive interdepartmental collaboration to ensure accountable AI deployment that is in-sync with local and international regulations like the EU AI Act. This is important for maintaining user and stakeholder trust as we navigate new technologies.

Three Cs join the mix: Community, cajoling and collaboration

Expanding upon the foundational 6 Cs, our panelists chimed in with additional Cs that are just as crucial in successful AI adoption for 2025: Community, Cajoling, and Collaboration.

Community

Ms Tin championed the importance of community in cultivating a supportive ecosystem for SMEs. This includes attracting global talent, fostering cross-industry collaboration, and availing shared resources to empower SMEs. Talents come because they see opportunities in projects and real-life problems to solve. “And it’s not just about the people coming together to try to cross-fertilise ideas, but also to pull resources (to support SMEs)”, she pointed out, citing existing initiatives like CTO-as-a-Service that help resource-constrained SMEs get off the ground with digital-readiness.

Also Read: Second order effects in AI from DeepSeek AI

Cajoling

For Sreenivasan, Singapore’s approach to governance is one of cajoling rather than controlling. It encourages businesses to experiment while staying ethical and compliant. “Singapore’s regulatory framework is about amplifying, clarifying, and enabling,” he explained. “Instead of legislating AI prematurely, we focus on engaging the community to understand what is going on.”

He also advocates for collaboration with global counterparts and cross-talk between industries, stating, “Something like AI, which will not just impact a country in isolation but globally, requires collaboration. Through understanding the technology and building deep relationships with other parts of the world, we build bridges and systems that allow a degree of harmonisation.”

Collaboration

Ang called for a shift in the competitive mindset among SMEs to thrive in a market squeezed by global disruption. “Singapore, as a local market, is now a red ocean. We face intense competition not just from local players but also from international entrants bringing their own supply chains and software,” he commented.

“It is more important, now than ever, to look beyond Singapore and collaborate.” Collaboration, Ang explained, is not just about working with peers but also about pooling resources across industries and nations. “How do we bring SMEs together to collectively solve challenges, open up new opportunities, and create value together?” he posed.

In the face of disruption, companies need to be adaptable too, says Ang. He advises SMEs to “be prepared to relook your processes and find new ways to serve your business and audience better.” To this end, Dr See encouraged companies to capitalise on agentic AI to improve existing ways of working and client services. Especially when its combination with generative AI offers a more seamless path to crafting bespoke solutions.

My final thoughts

GRC professionals and DPOs play a critical role in aligning generative AI with ethical, regulatory, and data privacy goals. By prioritising robust governance, transparency, and compliance, organisations can ensure generative AI becomes a responsible and transformative force in 2025.

I highly encourage business professionals to attend our joint Generative AI courses with the Singapore Management University Academy to gain deeper insights into these emerging trends. In 2025, we look forward to aligning our Capabara Generative AI platform with the 6 Cs to empower our clients with enhanced generative AI capabilities.

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The internet has undergone significant transformations since its inception, evolving from a static information-sharing network (Web1) to a highly interactive and centralised platform dominated by tech giants (Web2). The next phase, Web3, promises a decentralised internet powered by blockchain and cryptographic principles, giving users more control over their data, digital identity, and transactions.

At the same time, artificial intelligence (AI) is rapidly advancing, transforming everything from automation to decision-making across industries. The convergence of Web3 and AI has the potential to unlock a truly autonomous decentralised internet, where smart contracts, decentralised applications (dApps), and AI-driven decision-making enable self-regulating ecosystems that operate with minimal human intervention.

The intersection of Web3 and AI, how they complement each other, could determine the future of the internet.

The evolution of Web3 and AI: A perfect symbiosis

For decades, the internet has evolved in ways that have increased accessibility but also deepened centralisation. The transition from Web1 to Web2 placed immense power in the hands of a few tech giants. While these platforms enabled seamless user experiences, they also turned the internet into a walled garden where data became the most valuable asset—one controlled not by individuals but by corporations.

Web3 emerged as a response to this imbalance. Built on blockchain technology, it promised decentralisation, transparency, and user sovereignty. No longer would people need to rely on intermediaries to verify transactions or manage digital identities. However, Web3 in its current form lacks adaptability. Smart contracts, for instance, are powerful in automating transactions, but they are rigid and incapable of responding to dynamic, real-world conditions without human intervention.

This is where AI enters the picture. Unlike traditional software, AI can process vast amounts of data, recognise patterns, and make decisions autonomously. It introduces intelligence to Web3, allowing decentralised applications to evolve in real time, predict changes, and optimise themselves without external input. Instead of static smart contracts, AI-powered contracts can adjust based on real-world events, improving efficiency and reliability.

Together, Web3 and AI create an ecosystem that is not just decentralised but also intelligent—capable of running itself with minimal human oversight. This symbiotic relationship marks the beginning of a new era where digital systems become truly autonomous.

A self-sustaining internet: AI-powered decentralisation

One of the most significant limitations of decentralised networks today is their reliance on predefined logic. Blockchain systems, while secure and transparent, struggle with adaptability. The rigid nature of smart contracts means that they can only execute specific, pre-coded actions. If conditions change or unforeseen events occur, human intervention is required. This limits the efficiency of Web3 applications and creates bottlenecks that slow innovation.

Also Read: 9 ways to use generative AI for PR

By integrating AI, decentralised networks can become self-sustaining. AI can process real-time data, adjust smart contracts dynamically, and automate governance processes within decentralised autonomous organisations (DAOs). Instead of waiting for human-driven proposals and votes, an AI-enhanced DAO could analyse trends, predict future challenges, and adjust its decision-making frameworks accordingly.

This fusion allows decentralised applications to operate more efficiently. AI-driven predictive models can optimise blockchain networks by adjusting gas fees based on demand, preventing congestion, and improving transaction speeds. DeFi (decentralised finance) platforms can use AI to assess risk dynamically, ensuring that lending and borrowing rates adjust in response to market conditions. Even decentralised identity systems can be enhanced with AI-powered verification, reducing fraud while preserving privacy.

An autonomous internet is not just about removing intermediaries—it’s about creating a system that learns, adapts, and improves over time. The combination of Web3 and AI makes this possible, enabling a decentralised digital world that can govern itself intelligently.

Decentralised AI: The end of data monopolies

Today, AI development is controlled by a handful of powerful corporations. These entities not only own the data that fuels AI models but also determine how these models are used. This creates an imbalance where innovation is concentrated in the hands of a few, limiting access to AI capabilities for smaller businesses and individuals.

Web3 disrupts this model by introducing decentralised AI marketplaces, where AI models and datasets are no longer the exclusive property of tech giants. Instead, developers can tokenise AI services, making them accessible to anyone willing to contribute to or utilise them. Today, emerging platforms are already pioneering this shift, allowing AI models to be trained on decentralised networks while ensuring that contributors are fairly compensated.

This approach has profound implications. Instead of relying on centralised cloud providers, businesses and individuals can access decentralised AI services, ensuring greater privacy and reducing dependency on corporate-controlled AI systems. Training AI on decentralised data pools also mitigates the risks of bias and manipulation, as no single entity controls the training data.

Decentralised AI not only democratises access to intelligence but also aligns with the principles of Web3—user ownership, transparency, and fairness. In this new paradigm, AI becomes a shared resource rather than a proprietary tool wielded by a select few.

Security and governance: AI as a decentralised watchdog

As Web3 grows, so do its vulnerabilities. Decentralised systems, while secure by design, are still susceptible to attacks, fraud, and governance manipulation. Without centralised oversight, how can a truly decentralised internet maintain security and fairness?

AI provides the answer. By integrating AI-driven security mechanisms, blockchain networks can detect anomalies in real time, preventing hacks, phishing scams, and other malicious activities before they cause harm. AI-powered fraud detection systems can analyse transaction patterns, flagging suspicious activity and protecting users without the need for centralised enforcement.

Also Read: Startup survival: Smart marketing moves for economic uncertainty

Governance also benefits from AI’s predictive capabilities. DAOs often struggle with voter apathy and manipulation, leading to inefficiencies in decision-making. AI-enhanced governance models can ensure that proposals are prioritised based on real community needs, preventing spam or malicious takeovers. AI-powered moderation can also help decentralised social platforms filter out misinformation and harmful content without relying on traditional content moderation structures.

An autonomous decentralised internet must be both self-governing and self-protecting. By leveraging AI as a decentralised watchdog, Web3 can achieve a level of security and governance previously thought impossible in trustless environments.

The road ahead: Challenges and opportunities

Despite its potential, the integration of Web3 and AI is not without challenges. Scalability remains a critical issue—blockchain networks still struggle with transaction speeds, and adding AI computations increases the demand for resources. Privacy concerns must also be addressed, as AI requires data to learn, but Web3 prioritses user-controlled data sovereignty. Solutions such as federated learning and zero-knowledge proofs are being explored to balance these needs.

Regulatory uncertainty is another hurdle. Governments are only beginning to understand blockchain, and AI regulations are still in their infancy. As these technologies converge, a regulatory framework that fosters innovation while protecting users must be established.

Yet, the opportunities outweigh the challenges. Businesses that embrace the Web3-AI convergence early will gain a competitive edge, tapping into new models of decentralised intelligence, automation, and security. Entrepreneurs and developers who contribute to this ecosystem will shape the future of an internet that is no longer controlled but truly self-sustaining.

In conclusion: The birth of an autonomous internet

We are at the threshold of a digital revolution. The combination of Web3 and AI is not just about decentralisation or automation—it’s about creating an internet that is alive, one that learns, evolves, and operates independently of centralised control.

For the first time, we have the tools to build a self-sustaining digital world—where AI processes information without monopolies, where smart contracts adapt without human oversight, and where governance is decentralised yet intelligent. This is the dawn of a new era. The question is not whether this transformation will happen, but how quickly businesses and individuals will embrace it.

Are you ready for what comes next?

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