Category: Blockchain

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Polkadot: A Web3 Innovation for Interoperable Blockchains

Polkadot is a next-generation blockchain platform that aims to address the limitations of existing blockchains, particularly in terms of scalability and interoperability. It envisions a decentralized network of blockchains that can seamlessly communicate and exchange data, enabling a more interconnected and unified Web3 ecosystem.

Core Principles and Architecture

The Polkadot architecture consists of three primary layers:

  1. Relay Chain: The heart of the Polkadot network, the relay chain is responsible for relaying transactions, ensuring network security, and maintaining consensus among the parallel blockchains.

  2. Parachains: Individual blockchains that connect to the relay chain and benefit from its security and shared infrastructure. Parachains can be specialized for various purposes, such as DeFi applications, IoT networks, or supply chain management.

  3. Bridges: Mechanisms that connect Polkadot to external blockchains, allowing seamless transfer of data and assets between different blockchain ecosystems.

Unique Features and Benefits

Polkadot stands out for its unique features and benefits:

  1. Interoperability: Polkadot’s cross-chain communication protocol, known as XCM, enables seamless data and asset transfers between parachains and external blockchains. This interoperability fosters innovation and collaboration across different blockchain projects.

  2. Scalability: Polkadot’s unique architecture allows for parallel processing of transactions, enabling the network to handle significantly higher throughput than traditional blockchains. This scalability makes it a suitable platform for large-scale applications.

  3. Security: The relay chain employs a robust consensus mechanism, GRANDPA, which ensures that all parachains are synchronized and follow the same state. This robust security model protects the network from malicious attacks.

  4. Customizable Parachains: Developers can build customized parachains tailored to specific needs, fostering innovation and flexibility within the Polkadot ecosystem.

Applications and Impact

Polkadot’s potential applications extend across various domains:

  1. Decentralized Finance (DeFi): Polkadot’s interoperable and scalable infrastructure can support the development of advanced DeFi applications, such as cross-chain lending protocols and decentralized exchanges.

  2. Internet of Things (IoT): Polkadot’s ability to handle data securely and efficiently makes it well-suited for IoT applications, enabling secure and transparent data exchange between connected devices.

  3. Supply Chain Management: Polkadot’s immutable and verifiable nature can enhance supply chain management by providing a secure and transparent record of transactions and assets.

  4. Identity and Access Management: Polkadot can support decentralized identity and access management solutions, enabling users to control and manage their personal data securely.

Conclusion

Polkadot represents a significant advancement in blockchain technology, addressing the limitations of existing blockchains and paving the way for a more interconnected and unified Web3 ecosystem. Its unique features, including interoperability, scalability, security, and customizability, make it a powerful platform for innovation and the development of decentralized applications. As Polkadot continues to evolve and attract developers and projects, its impact on the Web3 landscape is expected to grow significantly.

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10 countries have embraced cryptocurrencies and are fostering a thriving ecosystem for digital assets

 

  1. Switzerland: Known for its favorable regulatory environment, Switzerland has become a leader in the cryptocurrency space. The Swiss city of Zug, in particular, has earned the nickname “Crypto Valley” due to the high concentration of blockchain and crypto companies headquartered there.
  2. Estonia: This small Northern European country has embraced technology and innovation. Estonia’s progressive crypto regulations make it a hotspot for blockchain start-ups.
  3. Malta: Known as the “Blockchain Island,” Malta has attracted some of the industry’s biggest names, like Binance and OKEx, due to its friendly regulatory environment.
  4. Japan: Japan is among the most crypto-friendly nations in the world, with several businesses in cities like Tokyo accepting bitcoin for payments. It was the first country to regulate cryptocurrency trading.
  5. United States of America: The USA is among countries with the highest number of cryptocurrency adopters globally.
  6. Vietnam: Vietnam tops the list of countries that have adopted cryptocurrencies.
  7. Philippines: The Philippines has a high number of Bitcoin ATMs, Bitcoin wallets, and exchanges.
  8. Ukraine: Ukraine has a very high number of cryptocurrency users and businesses.
  9. India: India has a very high number of cryptocurrency users and businesses.
  10. Pakistan: Pakistan has a very high number of cryptocurrency users and businesses.

These countries typically have clear and supportive crypto regulations, low or non-existent capital gains tax and income tax on crypto transactions, a growing number of crypto companies and start-ups, access to Bitcoin-friendly banks and financial services, and accept Bitcoin (or any other cryptocurrency) as legal tender.

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Risks and threats of Central Bank Digital Currencies (CBDSs)

CBDCs, or central bank digital currencies, are a new form of money that some countries are considering to adopt. CBDCs are digital tokens that represent the national currency and are issued and controlled by the central bank. CBDCs are different from cryptocurrencies, which are decentralized and operate on a peer-to-peer network. CBDCs are also different from the existing digital money, such as bank deposits and electronic payments, which are intermediated by commercial banks and other financial institutions.

Bad actors could derail the use of CBDCs and affect the userbase in various ways, depending on their motives and capabilities. Here are some possible scenarios:

  • A hacker could exploit a vulnerability in the CBDC system or the digital wallets and steal, alter, or destroy the CBDCs of the users, causing financial losses, fraud, or identity theft.
  • A criminal could use CBDCs for illicit activities, such as money laundering, terrorism financing, or tax evasion, by using anonymous or pseudonymous accounts, mixing services, or cross-border transfers.
  • A terrorist could launch a cyberattack on the CBDC system or the critical infrastructure, such as the power grid, the internet, or the communication networks, and disrupt the CBDC service, causing panic, chaos, or social unrest.
  • A state actor could use CBDCs for geopolitical purposes, such as undermining the dominance of the US dollar, influencing the foreign exchange rates, or imposing sanctions or embargoes on other countries .
  • A rogue employee or a whistleblower could leak or expose the CBDC data or the CBDC system, revealing the personal and financial information of the users, the technical and operational details of the system, or the policy and regulatory decisions of the central bank.

Privacy

One of the main concerns about CBDCs is the impact on the privacy of the users. Unlike cash, which is anonymous and untraceable, CBDCs would enable the central bank and the government to monitor and record every transaction that the users make. This could create a digital trail of the users’ financial activities, preferences, and behaviors, which could be used for various purposes, such as taxation, law enforcement, surveillance, and social control. For example, the central bank could impose negative interest rates on CBDCs to encourage spending, or the government could restrict or freeze CBDCs for certain individuals or groups based on their political views or affiliations.

Moreover, CBDCs could also expose the users’ personal and financial data to third parties, such as private companies, hackers, or foreign adversaries. CBDCs would require the users to have a digital identity and a digital wallet, which could be vulnerable to data breaches, identity theft, fraud, and cyberattacks. For instance, a hacker could steal the users’ credentials and access their CBDCs, or a foreign adversary could launch a cyberattack on the CBDC system and disrupt the payments or manipulate the data.

Security

Another major challenge for CBDCs is the security of the system and the infrastructure. CBDCs would require a complex and sophisticated technology to operate, which could pose technical and operational risks. For example, the CBDC system could face malfunctions, errors, glitches, or downtime, which could affect the availability and reliability of the service. The CBDC system could also face scalability issues, such as congestion, latency, or capacity limits, which could affect the speed and efficiency of the transactions. The CBDC system could also face compatibility issues, such as interoperability, standardization, or integration, which could affect the usability and accessibility of the service.

Furthermore, CBDCs would require a robust and resilient defense against cyber threats, which could be constantly evolving and adapting. For example, the CBDC system could face attacks from hackers, criminals, terrorists, or state actors, who could try to compromise, sabotage, or destroy the system. The CBDC system could also face threats from quantum computing, which could potentially break the encryption and security protocols of the system. The CBDC system could also face threats from double-spending, which is the risk of spending the same CBDC twice, which could undermine the integrity and trustworthiness of the system.

Stability

A third category of risks and threats for CBDCs is the impact on the stability of the financial system and the economy. CBDCs could have significant implications for the monetary policy, the banking system, and the financial markets. For example, CBDCs could affect the transmission and effectiveness of the monetary policy, by changing the demand and supply of money, the interest rates, the inflation, and the exchange rates. CBDCs could also affect the profitability and viability of the banking system, by reducing the deposits and lending of the commercial banks, and increasing the competition and disintermediation of the financial intermediaries. CBDCs could also affect the liquidity and volatility of the financial markets, by creating new channels and instruments for the flows and shocks of the capital, and increasing the contagion and spillover effects of the crises.

Moreover, CBDCs could also pose social and political risks, by creating new inequalities and conflicts among the users and the stakeholders. For example, CBDCs could create a digital divide between the users who have access and skills to use CBDCs, and those who do not. CBDCs could also create a power imbalance between the central bank and the government, the central bank and the commercial banks, and the central bank and the foreign central banks, which could affect the independence and accountability of the central bank, and the sovereignty and cooperation of the countries.

Innovation

A fourth category of risks and threats for CBDCs is the impact on the innovation and development of the digital currency and the payment industry. CBDCs could have positive or negative effects on the innovation and competition of the existing and emerging players and technologies. For example, CBDCs could foster innovation and competition, by creating new opportunities and incentives for the improvement and diversification of the products and services, and by enhancing the interoperability and collaboration of the platforms and networks. CBDCs could also hinder innovation and competition, by creating barriers and disincentives for the entry and growth of the new entrants and challengers, and by crowding out or displacing the existing and alternative solutions .

Furthermore, CBDCs could also face legal and regulatory risks, by creating new challenges and uncertainties for the governance and oversight of the digital currency and the payment industry. For example, CBDCs could raise legal and regulatory issues, such as the definition and classification of CBDCs, the rights and obligations of the users and the providers, the jurisdiction and enforcement of the laws and rules, and the coordination and harmonization of the standards and frameworks. CBDCs could also face ethical and social issues, such as the fairness and transparency of the CBDC system, the consent and participation of the users and the stakeholders, the accountability and responsibility of the CBDC providers, and the trust and confidence of the public .

Conclusion

In conclusion, CBDCs are a novel and ambitious idea that could bring some benefits, but also some risks and threats, to the users and to the society. CBDCs could affect the privacy, security, stability, and innovation of the digital currency and the payment industry, in ways that are not fully understood or anticipated. Therefore, CBDCs require careful and comprehensive analysis and assessment, as well as prudent and cautious design and implementation, to ensure that they are safe, sound, and beneficial for all.

 

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Business Pitch: Datacenter Solutions – Empowering the Digital World

 

**Executive Summary:**

At LEW.RO, we are at the forefront of the digital revolution, providing cutting-edge datacenter solutions that drive innovation and support the growth of businesses worldwide. We understand that data is the lifeblood of the modern economy, and our mission is to offer state-of-the-art datacenter services that ensure the security, reliability, and scalability of our clients’ critical data and applications.

**The Challenge:**

In today’s data-driven world, businesses face significant challenges related to data storage, management, and security. Rapidly evolving technology, increasing data volumes, and the growing threat landscape require businesses to have access to highly efficient and secure datacenter solutions.

**The Solution:**

LEW.RO offers a comprehensive suite of datacenter services that address these challenges head-on:

1. **Cutting-edge Infrastructure**: We provide a world-class datacenter infrastructure, featuring the latest in hardware and software technologies. Our datacenters are designed for optimal performance, scalability, and reliability.

2. **Robust Security**: Security is a top priority. We implement state-of-the-art security measures, including 24/7 monitoring, access control, encryption, and disaster recovery solutions to safeguard your data.

3. **Scalability**: Our solutions are flexible and scalable to meet your growing data needs. We work closely with you to customize services that align with your specific requirements.

4. **Redundancy**: We offer redundant systems and backup power supplies to ensure uninterrupted service, even in the face of unforeseen challenges.

5. **Green Datacenters**: [Your Company Name] is committed to sustainability. We operate green datacenters that use energy-efficient technologies, minimizing our environmental impact.

**Why LEW.RO?**

1. **Expertise**: Our team comprises industry experts with extensive experience in datacenter management, ensuring that your data is in capable hands.

2. **Reliability**: We pride ourselves on our outstanding track record of reliability and uptime, guaranteeing that your data is accessible when you need it.

3. **Custom Solutions**: We understand that each business is unique. We work closely with you to create customized datacenter solutions that align with your goals and budget.

4. **Competitive Pricing**: We offer cost-effective solutions without compromising on quality or security.

**Market Opportunity:**

The datacenter market is experiencing rapid growth, with businesses of all sizes requiring secure, reliable, and scalable data storage and management. Our services cater to a wide range of industries, including finance, healthcare, e-commerce, and technology.

**Financial Projections:**

LEW.RO anticipates strong growth and profitability over the next five years, driven by an expanding client base and a commitment to innovation.

**Conclusion:**

In a world where data is the most valuable asset, trust LEW.RO to safeguard and manage your critical information. Our datacenter solutions provide the foundation for your digital success, enabling you to focus on what you do best – growing your business.

Join us in this exciting journey to transform the digital landscape. Contact us today to discuss how [Your Company Name] can help you meet your datacenter needs and achieve your business goals. Together, we’ll build a future powered by data.

 

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GRANTURI PENTRU SPRIJINIREA ANTREPRENORILOR ÎN DEZVOLTAREA TEHNOLOGIILOR DIGITALE AVANSATE

PILONUL III. CREȘTERE INTELIGENTĂ, SUSTENABILĂ ȘI FAVORABILĂ INCLUZIUNII, INCLUSIV COEZIUNE ECONOMICĂ, LOCURI DE MUNCĂ, PRODUCTIVITATE, COMPETITIVITATE, CERCETARE, DEZVOLTARE ȘI INOVARE, PRECUM ȘI O PIAȚĂ INTERNĂ FUNCȚIONALĂ, CU ÎNTREPRINDERI MICI ȘI MIJLOCII (IMM-URI) PUTERNICE

COMPONENTA C9. SUPORT PENTRU SECTORUL PRIVAT, CERCETARE, DEZVOLTARE ȘI INOVARE

INVESTIȚIA I3. SCHEME DE AJUTOR PENTRU SECTORUL PRIVAT

MĂSURA 1. SCHEMĂ DE MINIMIS ȘI SCHEMĂ DE AJUTOR DE STAT ÎN CONTEXTUL DIGITALIZĂRII IMM-URILOR

  1. întreprindere mijlocie – întreprindere care are între 50 și 249 de salariați și realizează o cifră de afaceri anuală netă de până la 50 milioane euro, echivalent în lei, sau deține active totale care nu depășesc echivalentul în lei a 43 milioane euro;
  2. întreprindere mică – întreprindere care are între 10 și 49 de salariați și realizează o cifră de afaceri anuală netă sau deține active totale de până la 10 milioane euro, echivalent în lei;
  3. microîntreprindere – întreprindere care are până la 9 salariați și realizează o cifră de afaceri anuală netă sau deține active totale de până la 2 milioane euro, echivalent în lei;
  4. întreprindere mare – întreprindere care are cel puțin 250 de angajați și realizează o cifră de afaceri anuală netă care depășește 50 de milioane de euro sau active totale care depășesc 43 de milioane de euro, echivalent în lei;

Granturi pentru sprijinirea antreprenorilor în dezvoltarea tehnologiilor digitale avansate cum ar fi: inteligența artificială, datele și cloud computingul, tehnologia blockchain, calculul de înaltă performanță și cuantică, internetul obiectelor, securitatea cibernetică.

Regulamentul (UE) 2021/241 al Parlamentului European și al Consiliului din 12 februarie 2021 de instituire a Mecanismului de redresare și reziliență stabilește ca obiectiv obligatoriu ca cel puțin 20% din alocarea totală a planului să contribuie la tranziția digitală sau la provocările digitale. Strategia Națională privind Agenda Digitală pentru România (SNADNR) a contribuit la asigurarea coerenței și la consolidarea sinergiilor între acțiuni și investiții în diferite domenii ale economiei digitale. Cu toate acestea, efectele implementării SNADNR sunt minime.

Digitalizarea are un impact profund și generalizat asupra tuturor aspectelor societății și ale economiei: producția, distribuția, consumul, muncă și timpul liber. IMM-urile sunt supuse unei presiuni din ce în ce mai mari, în vederea adaptării în consecință a modelelor proprii de afaceri și a adoptării tehnologiilor digitale necesare, astfel încât clienții să le considere în continuare competitive și atractive. În acest context, Uniunea Europeană a Artizanatului și a Întreprinderilor Mici și Mijlocii (UEAPME) a definit digitalizarea drept cea mai mare provocare pentru majoritatea IMM-urilor europene

Digitalizarea are multiple beneficii. IMM-urile își pot crește competitivitatea prin raționalizarea și accelerarea proceselor din etapa de concepere până în etapa de livrare, pot să își extindă accesul pe piață și integrarea lanțului valoric prin intermediul platformelor digitale și pot să îmbunătățească relațiile cu clienții utilizând platformele de comunicare socială și serviciile digitale pentru clienți. În plus, digitalizarea poate permite IMM-urilor să inoveze, oferind noi produse sau servicii digitale sau lărgindu-și gama existentă de servicii cu servicii digitale suplimentare.

Digitalizarea duce la apariția unor noi modele de organizare a muncii în cadrul IMM-urilor. Adoptarea unor modalități de lucru inovatoare, care să implice într-o anumită măsură munca de la distanță și care să ofere o autonomie mai mare angajaților prin crearea unui echilibru mai bun între viața profesională și cea privată, poate răspunde nevoilor managerilor și angajaților, adesea obligați, în cazul întreprinderilor mai mici, să își asume numeroase roluri. Pe de altă parte, ea poate duce la noi forme de instabilitate și de alienare, care implică riscul subminării satisfacției angajaților și a mediilor de lucru din cadrul IMM-urilor.

De asemenea, există o serie de provocări asociate cu digitalizarea. Transformarea digitală a societății, intensificată de criza COVID-19, a extins peisajul amenințărilor și aduce noi provocări, care necesită răspunsuri adaptate și inovatoare. Numărul atacurilor cibernetice continuă să crească, atacurile din ce în ce mai sofisticate provenind dintr-o gamă largă de surse atât din interiorul, cât și din afara UE.

Prin urmare, întreprinderile ar trebui să conducă eforturile pentru o digitalizare sigură și vor împărtăși responsabilitatea în asigurarea unei transformări digitale securizate cibernetice.

O serie de sectoare critice precum transporturile, energia, sănătatea și finanțele au devenit tot mai dependente de tehnologiile digitale pentru a-și desfășura activitățile de bază. Digitalizarea oferă oportunități enorme și asigură soluții pentru multe dintre provocările cu care se confruntă Europa, nu în ultimul rând în timpul crizei provocate de pandemia de COVID-19, dar, în același timp, expune economia și societatea la amenințări cibernetice.

Atacurile cibernetice și criminalitatea informatică sunt tot mai numeroase și mai sofisticate în întreaga Europă. Se preconizează că această tendință va continua să crească în viitor, date fiind previziunile conform cărora 22,3 miliarde de dispozitive la nivel mondial vor fi conectate la internetul obiectelor până în 2024.

 

Domeniul de intervenție / tipul de intervenție Coeficientul pentru tranziția digitală Alocare financiară
Capacități de calcul de înaltă performanță și de informatică cuantică/capacități de comunicare cuantică (inclusiv criptare cuantică); 100% 130 mil. EUR
Proiectarea, producția și integrarea sistemelor în domeniul microelectronicii;
Următoarea generație de capacități de date, cloud și edge (infrastructuri, platforme și servicii);
Realitatea virtuală și augmentată
Tehnologia profundă și alte tehnologii avansate digitale
Investiții în securizarea lanțului digital de aprovizionare
Securitatea cibernetică: dezvoltarea și implementarea de tehnologii, măsuri și structuri de sprijin în materie de securitate cibernetică pentru utilizatorii din sectorul public și privat. 100% 20 mil. EUR

Activitățile sprijinite în cadrul investiției/operațiunii

Prin intermediul acestei operațiuni vor fi sprijinite:

 Investiții în active corporale și necorporale în cadrul unei investiții inițiale care să sprijine întreprinderile în dezvoltarea tehnologiilor digitale avansate cum ar fi inteligența artificială, datele și cloud computing-ul, tehnologia blockchain, calculul de înaltă performanță și cuantică, internetul obiectelor, securitatea cibernetică precum:

  • achiziții de active corporale și necorporale (hardware pentru calculul de înaltă performanță și cuantică, echipamente pentru automatizări și robotică destinate fluxurilor tehnologice integrate cu soluții digitale, dezvoltarea și/sau adaptarea aplicațiilor software, inclusiv soluțiile de automatizare software de tip RPA, respectiv Robotic Process Automation);
  • achiziții de tehnologii blockchain (ce favorizează în principal industria de producție și lanțul de aprovizionare prin automatizare, planificarea resurselor întreprinderii, schimb eficient de date, IoT (internetul obiectelor), IIoT (internetul industrial al obiectelor), Big Data, Cloud computing și inteligență artificială);
  • achiziții de active corporale și necorporale pentru securitatea cibernetică;
  • achiziții de sisteme de inteligență artificială, machine learning, augmented reality, virtual reality;
  • achiziția de date și cloud computing (cu condiția ca aceste achiziții să poate fi încadrate la imobilizări necorporale);

Investiții în cercetare industrială și dezvoltare experimentală privind dezvoltarea tehnologiilor digitale avansate.

Finanțarea acordată în cadrul prezentului apel de proiecte

(1) Valoarea totală alocată care va fi acordat în cadrul prezentului apel este de 150 milioane euro din cadrul PNRR, împărțită pe următoarele domenii de activitate considerate prioritare la nivel național:

  1. industrie alimentară, industrie prelucrătoare, construcții: 75 milioane euro.
  2. industrie auto, transport și distribuție, servicii adresate populației, turism și alte activități/domenii eligibile: 75 milioane euro.

(2) Valoarea finanțării în euro se calculează în lei la cursul de schimb InforEuro valabil la data semnării contractului de finanțare.

 

Cursul valutar utilizat este cursul Inforeuro aferent lunii aprilie 2023: 1 euro = 4.9483 lei.

Valoare Asistenței Financiare Nerambursabilă pentru întreg proiectul de dezvoltare tehnologii digitale avansate acordată (nu mai mult de 5 ori Cifra de Afaceri pe anul 2022 a liderului de proiect).

Plafonul maxim al finanțării nerambursabile se va determina în funcție de categoria în care se încadrează liderul de proiect, astfel:

  • Microîntreprinderi – maxim 500’000 euro;
  • Întreprinderi mici – maxim 1.500.000 euro;
  • Întreprinderi mijlocii –maxim 3.000.000 euro.
AJUTOR  REGIONAL
Denumirea regiunii NUTS ÎNTREPRINDERI MIJLOCII MICRO/ ÎNTREPRINDERI MICI  
 
Nord-Vest  
Bihor 50% 60%  
Bistrița-Năsăud 60% 70%  
Cluj 50% 60%  
Maramureș 60% 70%  
Satu Mare 60% 70%  
Sălaj 60% 70%  
Centru  
Alba 60% 70%  
Brașov 50% 60%  
Covasna 50% 60%  
Harghita 50% 60%  
Mureș 60% 70%  
Sibiu 50% 60%  
Nord-Est  
Bacău 70% 75%  
Botoșani 70% 75%  
Iași 60% 70%  
Neamț 70% 75%  
Suceava 70% 75%  
Vaslui 70% 75%  
Sud-Est  
Brăila 70% 75%  
Buzău 70% 75%  
Constanța 60% 70%  
Galați 70% 75%  
Vrancea 70% 75%  
Tulcea 70% 75%  
Sud-Muntenia  
Argeș 60% 70%  
Călărași 70% 75%  
Dâmbovița 60% 70%  
Giurgiu 60% 70%  
Ialomița 70% 75%  
Prahova 70% 75%  
Teleorman 70% 75%  
Sud-Vest Oltenia  
Dolj 70% 75%  
Gorj 70% 75%  
Mehedinți 70% 75%  
Olt 70% 75%  
Vâlcea 70% 75%  
Vest  
Arad 40% 50%  
Caraș-Severin 50% 60%  
Hunedoara 50% 60%  
Timiș 40% 50%  

Solicitanți eligibili:

Formele asociative (parteneriatele*) formate din:

1) Lider (IMM cu activitate non-IT):

Întreprinderi înființate în baza Legii nr. 31/1990 republicată privind societățile, Legii nr. 1/2005 republicată privind organizarea și funcționarea cooperației, respectiv OUG nr. 6/2011 actualizată pentru stimularea înființării și dezvoltării microîntreprinderilor de către întreprinzătorii debutanți în afaceri, aprobată cu modificări prin Legea nr. 301/2011, cu modificările și completările ulterioare și au sediul social în România.

2) Partener (IMM cu activitate IT):

IMM care îndeplinește cumulativ următoarele condiții:

      1. înființat în baza Legii nr. 31/1990 republicată privind societățile, Legii nr. 1/2005 republicată privind organizarea și funcționarea cooperației, respectiv OUG nr. 6/2011 actualizată pentru stimularea înființării și dezvoltării microîntreprinderilor de către întreprinzătorii debutanți în afaceri, aprobată cu modificări prin Legea nr. 301/2011, cu modificările și completările ulterioare și au sediul social în România.
      2. activează în cel puțin unul dintre următoarele sectoare (coduri CAEN):
        1. 5829 – Activități de editare a altor produse software;
        2. 6201 – Activități de realizare a software-ului la comandă (software orientat client);
      • 6202 – Activități de consultanță în tehnologia informației;
      1. 6203 – Activități de management (gestiune și exploatare) a mijloacelor de calcul;
      2. 6209 – Alte activități de servicii privind tehnologia informației;
      3. 6311 – Prelucrarea datelor, administrarea paginilor web și activități conexe
      • 6312 – Activități ale portalurilor web;
      • 6399 – Alte activități de servicii informaționale n.c.a.;
      1. 7211 – Cercetare-dezvoltare în biotehnologie;
      2. 7219 – Cercetare-dezvoltare în alte științe naturale și inginerie.

Notă: Selecția partenerului IMM cu activitate în domeniul IT se va realiza cu respectarea regimului incompatibilităților, al conflictului de interese și al următoarelor principii: transparență, nediscriminare, tratament egal, eficiența utilizării fondurilor.

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Forumul Anual al Plăților, găzduit de Banca Națională a României, organizat de CEE Perspective, partener Leichmann Weifert

Cea de-a doua ediție a Forumului Anual al Plăților din Europa Centrală și de Est a avut loc pe 24 mai 2023.

Am avut plăcerea de a avea experți care și-au împărtășit opiniile cu privire la cele mai recente evoluții în materie de reglementare și inovare în domeniul plăților în regiunea ECE, la impactul tehnologiilor disruptive asupra industriei serviciilor financiare și la apariția unor noi modele de afaceri în industria plăților.

Forumul a oferit o ocazie excelentă pentru crearea de parteneriate, schimb de idei și propuneri cu experți din industrie și autorități publice.

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5 topics for Disruptive technologies & the future of Financial Services, challenges and opportunities

 

1. Blockchain’s Impact on Remittances:
This topic highlights how blockchain technology has revolutionized remittance services by providing faster, more secure, and cost-effective cross-border transactions. The panel can discuss the potential of blockchain in reducing remittance fees, increasing transparency, and improving financial inclusion for individuals who rely on remittances.

2. Fintech Startups Disrupting Traditional Banking:
This topic focuses on the rise of fintech startups challenging traditional banking institutions. The panel can explore how these startups leverage innovative technologies like mobile banking, digital wallets, and robo-advisors to provide convenient and personalized financial services. They can discuss the challenges faced by traditional banks in adapting to this disruption and the opportunities for collaboration and partnership.

3. Artificial Intelligence and Personalized Banking:
This topic highlights how artificial intelligence is transforming the banking industry by enabling personalized customer experiences. The panel can discuss how AI-powered chatbots and virtual assistants enhance customer interactions, offer tailored financial advice, and automate routine tasks. They can delve into the challenges and ethical considerations related to data privacy and security in the era of AI-driven banking.

4. Regulatory Frameworks for Cryptocurrencies:
This topic explores the regulatory challenges associated with cryptocurrencies and their impact on financial services. The panel can discuss the different approaches taken by governments and regulatory bodies to address issues such as investor protection, anti-money laundering, and taxation. They can also discuss the potential benefits of clear and well-defined regulatory frameworks for fostering innovation and stability in the cryptocurrency ecosystem.

5. Open Banking and the Future of Financial Services:
This topic examines the concept of open banking and its potential to transform the financial industry. The panel can discuss how open banking APIs enable secure data sharing between financial institutions and third-party providers, promoting competition and innovation. They can explore the challenges of data privacy and cybersecurity in open banking, as well as the opportunities for creating innovative products and services through collaboration between traditional banks and fintech startups.

 

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Event invitation: Annual Payments Forum, National Bank of Romania, 24th May 2023

We‘re glad to invite you:

LEW.RO Software Solutions &
LEW.AM Asset Management, partners for the
National Bank of Romania Event
Annual Payments Forum,
Wednesday, 24th May 2023

You can register here: https://ceeperspective.eu/current-event/

#platforms #payments #blockchain #banking #AI #assetmanagement

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10 top advantages of Initial Token Offerings (ITOs) vs. traditional Initial Public Offerings (IPOs)

Initial Token Offerings (ITOs) have several advantages over Initial Public Offerings (IPOs):

Accessibility:

ITOs have lower entry barriers, allowing individuals from around the world to participate and invest in projects, whereas IPOs are typically limited to institutional investors and wealthy individuals.

Speed and efficiency:

ITOs can be launched relatively quickly and require less paperwork and regulatory processes compared to IPOs, which often involve extensive legal and financial compliance requirements.

Global reach:

ITOs can attract a global investor base, enabling projects to raise funds from a diverse pool of participants, while IPOs are typically limited to investors within a specific jurisdiction.

Liquidity:

Tokens issued through ITOs can provide immediate liquidity for investors, as they can be traded on cryptocurrency exchanges shortly after the offering. In contrast, IPO shares often have lock-up periods, restricting investors from selling their shares for a certain period.

Innovation and flexibility:

ITOs allow projects to explore innovative concepts and business models, as they are not subject to the same regulatory constraints as IPOs. ITOs also offer more flexibility in terms of token design, functionality, and utility.

Democratization of investment:

ITOs provide an opportunity for retail investors to participate in early-stage investment opportunities that were traditionally reserved for venture capitalists and institutional investors through IPOs.

Lower costs:

ITOs can be cost-effective for both issuers and investors, as they eliminate the need for intermediaries such as underwriters, brokers, and transfer agents, reducing associated fees and expenses.

Token utility:

Tokens issued through ITOs often have utility within the project’s ecosystem, providing holders with access to specific services, products, or benefits. This intrinsic value of tokens can potentially attract more investors.

Decentralization:

ITOs are typically associated with blockchain-based projects, emphasizing decentralization and community involvement. This decentralized nature aligns with the principles of blockchain technology and attracts enthusiasts and supporters of decentralized systems.

Faster access to capital:

ITOs allow projects to raise funds quickly, often within a matter of weeks or even days. This speed can be particularly advantageous for startups and innovative projects that require immediate funding to accelerate their development.

 

See more on Tokenization

 

 

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Movie tokenisation introduction and top rated movies that were filmed in Romania

Movie tokenization is a concept in the world of blockchain and cryptocurrency that involves the creation of digital tokens that represent ownership or investment in a particular film or movie project. These tokens can be bought, sold, and traded on various exchanges, and can provide investors with a way to participate in the movie industry without necessarily being involved in the production or distribution of the film.

The idea behind movie tokenization is that it allows investors to purchase a portion of a movie’s revenue stream, which can be a potentially lucrative investment opportunity. In some cases, the tokens may also come with other perks, such as access to special screenings, merchandise, or other benefits.

Romania has been a popular filming location for many international movies, thanks to its diverse landscape, rich history, and unique architecture. Here are some of the top-rated movies filmed in Romania:
  • The Whistleblower (2010): This drama-thriller was filmed entirely in Romania, with scenes shot in the cities of Bucharest and Slatina.
  • The Zero Theorem (2013): This sci-fi movie was filmed in Romania, with scenes shot in Bucharest and other locations around the country.
  • Werewolf: The Beast Among Us (2012): This horror movie was filmed entirely in Romania, with scenes shot in the cities of Brașov and Sighișoara.
  • Dracula Untold (2014): This movie tells the origin story of the famous vampire, with much of the filming taking place in Romania, including scenes shot at the Corvin Castle and the Borgo Pass.
  • Cold Mountain (2003): This Academy Award-winning movie was partially filmed in Romania, including scenes in the Carpathian Mountains and the medieval city of Sighișoara.
  • The Nun (2018): This horror movie was entirely filmed in Romania, with scenes shot at several locations, including the Corvin Castle, the Palace of the Parliament, and the Transfagarasan Highway.
  • Borat: Cultural Learnings of America for Make Benefit Glorious Nation of Kazakhstan (2006): Although the movie is set in Kazakhstan, most of the filming actually took place in Romania, including scenes shot in the towns of Glod and Sighișoara.
  • A Very Long Engagement (2004): This World War I drama was partially filmed in Romania, with scenes shot in the city of Brasov and the surrounding mountains.
  • The Last Tycoon (2012): This movie was partially filmed in Romania, with scenes shot in Bucharest and at the Palace of the Parliament.
  • Youth Without Youth (2007): This drama was filmed in Romania, with scenes shot in the cities of Bucharest and Sinaia.
  • The Death of Stalin (2017): This satirical comedy-drama was filmed in Romania, with scenes shot at the Palace of the Parliament in Bucharest.
  • The Cave (2019): This adventure-thriller was partially filmed in Romania, with scenes shot in the Apuseni Mountains and the Scarisoara Ice Cave.
  • Beyond the Hills (2012): This drama was filmed entirely in Romania, with scenes shot in the cities of Bucharest and Vaslui.
  • The Brothers Bloom (2008): This comedy-drama was partially filmed in Romania, with scenes shot in the cities of Bucharest and Sinaia.
  • California Dreamin’ (2007): This drama was filmed entirely in Romania, with scenes shot in the cities of Brasov, Sinaia, and Targoviste.