Author: Colin Henderson

Progress in era of productivity
AI

OSFI: Financial Industry Forum on Artificial Intelligence II: A Collaborative Approach to AI Threats, Opportunities, and Best Practices, Workshop 1

Colin Henderson

To drive discussion and debate on this critical issue, in 2022, the Office of the Superintendent of Financial Institutions (OSFI) and the Global Risk Institute (GRI) hosted the first Financial Industry Forum on Artificial Intelligence (FIFAI I) to promote the responsible use of AI in Canada’s financial sector. This initiative brought together AI experts from the financial industry, as well as policymakers, regulators, academics, and research institutes. The resulting report, “A Canadian Perspective on Responsible AI,”highlighted the need for financial institutions to adopt comprehensive risk management strategies to address the unique challenges posed by AI. It identified the four EDGE principles … Continue reading OSFI: Financial Industry Forum on Artificial Intelligence II: A Collaborative Approach to AI Threats, Opportunities, and Best Practices, Workshop 1

AI, Business Models, Innovation, productivity

Blackrock Investment themes 2025

Colin Henderson

In listening to Blackrock Jay Jacobs Head of ETF he mentioned the investment themes Blackrock has identified in the context of re-industrialisation of the economy. See below for detail, but the core three are: Mega Force Description & Investment Implications Demographic Divergence Aging populations in developed economies are expected to constrain growth and productivity, while emerging markets with younger populations and expanding middle classes may benefit from higher growth potential[3][5]. Digital Disruption & AI The rapid adoption of artificial intelligence and digital technologies is transforming productivity, business models, and entire industries. BlackRock sees AI as a foundational driver of future … Continue reading Blackrock Investment themes 2025

crypto, Stablecoin

Current Government and Reports on Stablecoin systemic problems

Colin Henderson

Here is an overview and summary of current views on Stablecoins based on research attributed to Perplexity.ai.. There are good reasons for USDC to be a legitimate Stable Stablecoin, but so many opinions and views often with proprietary positions to maintain, that the effect of the Genius act is being lost in that morass. This blog is about direction not particular stocks, but the freewheeling nature of crypto is winning the battle for clarity. And the Bank for International Settlements (BIS) report (attached below) is thrown into the mix taking the approach everyone is wrong except the author. It is … Continue reading Current Government and Reports on Stablecoin systemic problems

productivity, Profitability, regulation

StableCoin needs clear definition similar to Bretton Woods

Colin Henderson

The debate between USDC exemplified by Circle and USDT associated with Tether brings many of the realities of crypto into focus. The perennial debate has been whether Bitcoin is an asset class lke Gold or Silver or is it a useful alternative currency to fiat. Bankwatch Research Research and background on USDC and USDT. The recent Compass Point report made two points, and thus fails as an analytical support document: 1. Market Penetration – USDT has that 2. Additional cost structure for USDC (Circle ) associated with regulatry requirements similar to banking, will hinder profitability If we explore the second … Continue reading StableCoin needs clear definition similar to Bretton Woods

crypto, Payments, productivity, Risk2 Comments

Compare USDC (Circle) vs USDT (Tether) in 2025

Colin Henderson

The battle is now on. The newest StableCoin USDC offered by Circle is regulated with clearly defined regularly audited reserve requirements. Tender which has been around 5 years longer offers a StableCoin USDT. The challenge lies in the difference between the StableCoins and no regulation exists to define a StableCoin. USDT has loosely defined reserves comprising third party off balance sheet items and which can be deemed worthless to a banker. USDC on the other had requires US $ cash with no obtuse excuses for apparent reserve matching. I did some research across sites using Perplexity (not Google) and. here … Continue reading Compare USDC (Circle) vs USDT (Tether) in 2025

Uncategorized

Technology Trends, Product Launches, and Innovations (June 17–23, 2025)

Colin Henderson

Technology Trends, Product Launches, and Innovations (June 17–23, 2025) Major Technology Trends Agentic AI and Advanced AutomationAgentic AI systems—capable of independent reasoning, planning, and execution—are driving transformative innovation across industries. These AI agents are increasingly deployed to reduce human workload and enhance productivity. However, robust control mechanisms are needed to ensure AI behaviors remain aligned with user and provider values (Gartner, 2025)12. Spatial Computing and AR/VRSpatial computing, which digitally enhances the physical world using augmented and virtual reality, is maturing rapidly. Advanced AR glasses and improved VR hardware are enabling immersive experiences in gaming, education, retail, and enterprise settings (Gartner, … Continue reading Technology Trends, Product Launches, and Innovations (June 17–23, 2025)

crypto

Stablecoin Act brings Crypto closer to mainstream finance

Colin Henderson

I have not been a supporter of Stablecoin due to lack of safety and regulatory provisions in the same vein as regulated Banks. The Genius (really ??) Act changes that and provides for regulatory provisions similar ~ to that which governs other financial entities, including maintenance of capital requirements and money laundering protection. The AML provisions are weak and will not capture small medium bad actors. Time will tell and I really hope that under Carney we will see some movement in Canadian finance. since we end to miss innovation completely in Canadian Banking and Finance. Similarly I hope OSFI … Continue reading Stablecoin Act brings Crypto closer to mainstream finance

AI_factories, AI_research

Roadmap for AI Adoption in the Era of AI Factories: People, Process, Technology Draft01

Colin Henderson

The transition from hyperscaler-dominated AI infrastructure to distributed, sovereign AI Factories (2024–2045) marks a paradigm shift for organizations of all sizes. As AI Factories become the foundation for real-time, scalable, and sovereign intelligence manufacturing, businesses—small, medium, and large—must strategically align their people, processes, and technology to remain competitive and resilient[1][2]. Below is a comprehensive, size-agnostic roadmap, with tailored considerations for small, medium, and large enterprises, structured within the People, Process, Technology (PPT) framework. 1. People: Culture, Skills, and Change Management Universal Actions: By Company Size: Size Focus Areas Small Upskill a core team; leverage external AI consultants or managed services … Continue reading Roadmap for AI Adoption in the Era of AI Factories: People, Process, Technology Draft01

AI_factories, AI_research, Business Models, Palantir

Palantir Advocates for Balanced Data Privacy Legislation in RFI Response

Colin Henderson

This blog post highlights Palantir’s response to a Request for Information from the House Energy and Commerce Committee’s Privacy Working Group, which is exploring the creation of a national data privacy law. For more information about Palantir’s contributions to AI Policy, visit our website here. Introduction In April, Palantir submitted a response to a Request for Information from the House Energy and Commerce Committee’s Privacy Working Group regarding its efforts to develop a federal comprehensive data privacy and security law. How the federal government finally works to resolve the challenges of a patchwork of consumer privacy legislation is not just … Continue reading Palantir Advocates for Balanced Data Privacy Legislation in RFI Response