Consequently, the latter part of 2013 saw long-term bond yields increase in all major developed and emerging economies, and yield curves steepened  BIS central bankers’ speeches  1  as investors required a higher “term premium” across a broad range of fixed-income assets, while currencies of emerging market countries at times adjusted abruptly and sharply, leading to a general tightening of financing conditions.
First, it is not about the technology but the problem at hand. It is easy to get caught up in the fanciness of technology and exotic labels—blockchain, artificial intelligence (AI), internet of things (IoT). Unfortunately, often times Fintechs and other startups may focus on the features of the technology, and not how it solves a problem.