2793: Ripple - How AI and ML Powered Liquidity Hub Benefits Enterprises | The Tech Talks Network

How does the crypto world adapt and thrive amidst market volatility and technological evolution? In today's episode of Tech Talks Daily, we dive deep into this question with our special guest, Brad Chase. Join us as we explore the intricate dance of liquidity management in the crypto space, the rising influence of AI, and the unique solutions Ripple is bringing to the table.

Brad Chase, a leading figure at Ripple, joins us to shed light on the challenges and opportunities in the cryptocurrency market, especially after recent setbacks like the FTX collapse. How is Ripple crafting a roadmap for liquidity management that the entire industry can follow? Brad will share valuable insights into Ripple's innovative approach, including leveraging AI and machine learning in their Liquidity Hub to benefit Ripple's medium and large enterprises.

We delve into the evolving landscape where blockchain and AI intersect. Is AI set to disrupt the crypto industry, or will these two powerful technologies converge to forge a new path? Brad will share his perspectives on this exciting intersection, drawing from his extensive experience at Ripple.

The conversation will also touch on the anticipated trends for 2024 in the crypto industry. What can we expect regarding advancements, regulatory developments, and market shifts? And importantly, we'll hear about Ripple's ambitious plans for their Liquidity Hub and how they aim to expand and enhance service in Ripple's year.

What does the future hold for cryptocurrency and blockchain technology as we navigate these turbulent but exciting times? Please share your thoughts with us, and let's continue the conversation.

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[00:00.000 --> 00:07.920] Welcome to another episode of The Tech Talks Daily Podcast, and today we're diving deep [00:07.920 --> 00:13.080] into the world of crypto, blockchain, and so much more, and I've got a very special guest [00:13.080 --> 00:14.160] joining me. [00:14.160 --> 00:21.660] His name is Brad Chase, and he's from Ripple, and now as the industry grapples with tumultuous [00:21.660 --> 00:28.040] times and transformative changes, Brad's going to bring a unique perspective on the challenges [00:28.040 --> 00:32.200] and innovations that are shaping the future of digital finance. [00:32.200 --> 00:38.200] From the fall of giants like FTX to the pioneering solutions at Ripple, I want to explore the [00:38.200 --> 00:41.120] intricate world of crypto liquidity. [00:41.120 --> 00:47.080] AI's role in this ever-evolving landscape are also what the future holds for this rapidly [00:47.080 --> 00:48.600] changing sector. [00:48.600 --> 00:54.280] So whether you are a crypto enthusiast, an investor, or just somebody that's curious about the future, [00:54.280 --> 00:59.960] where this is going to lead, I invite you to join me in unraveling the complexities of [00:59.960 --> 01:02.740] all this and more with Brad Chase. [01:02.740 --> 01:06.400] So buckle up and hold on tight, because no matter where you are in the world right now, [01:06.400 --> 01:11.720] it's time to beam your ears to sunny Florida, where Brad Chase from Ripple is waiting to [01:11.720 --> 01:12.720] join us. [01:12.720 --> 01:15.680] So a massive warm welcome to the show, Brad. [01:15.680 --> 01:19.720] Can you tell everyone listening a little about who you are and what you do? [01:19.720 --> 01:20.720] Awesome. [01:20.720 --> 01:21.980] Yeah, thanks for having me, Neil. [01:21.980 --> 01:27.540] My name is Brad Chase, and I lead our liquidity teams at Ripple. [01:27.540 --> 01:33.460] Ripple is an enterprise crypto company, and we're really focused on making it simple and [01:33.460 --> 01:38.740] efficient to move value across the world using crypto and blockchain. [01:38.740 --> 01:44.140] We're a little over 10 years old, have been very focused in the cross-border payment space, [01:44.140 --> 01:49.580] and more recently have broadened to solve other areas like digital asset liquidity management, [01:49.580 --> 01:54.740] digital asset custody and tokenization, and just really been a fantastic experience for [01:54.740 --> 02:00.780] me to be part of this journey of bringing crypto to solve problems in our financial space. [02:00.780 --> 02:03.900] Well, it's a pleasure to have you join me today. [02:03.900 --> 02:10.740] I think all areas of crypto and blockchain have got this passionate community that we [02:10.740 --> 02:15.580] all know and love, but today, rather than talk about that side of things, I want to [02:15.580 --> 02:20.700] talk about some of the real-world problems, challenges, and also opportunities, of course, [02:20.700 --> 02:22.820] to set the scene for our conversation today. [02:22.820 --> 02:27.460] What would you say are the current liquidity challenges the industry is currently facing, [02:27.460 --> 02:32.740] and what are the pitfalls with some of the liquidity management solutions that are available [02:32.740 --> 02:35.420] today just to set the scene for the chat? [02:35.420 --> 02:36.420] Yeah, absolutely. [02:36.420 --> 02:42.140] So kind of the way I think about this is really through the lens of a Ripple strategy, [02:42.140 --> 02:48.380] and that is, on the one hand, looking at challenges our customers face generally, whether [02:48.380 --> 02:53.740] they're using digital assets or not, or blockchain or not, why we believe blockchain is important [02:53.740 --> 02:55.420] as a way to solve those challenges. [02:55.420 --> 02:59.900] And then as a result, what are those liquidity challenges we face in bringing blockchain [02:59.900 --> 03:02.700] to bear, and unpacking that a little bit. [03:02.700 --> 03:06.420] So again, we're very focused on this moving value. [03:06.420 --> 03:09.820] There's this Internet of Value vision that Ripple wants to help bring about, which is [03:09.820 --> 03:14.220] making it as easy to move value as you can move information today. [03:14.220 --> 03:18.460] Part of the challenge there is a lot of the foundational elements of our global financial [03:18.460 --> 03:20.460] system is pretty old. [03:20.460 --> 03:24.020] It hasn't really changed much since the 70s, certainly higher up the stack. [03:24.020 --> 03:29.100] You've got something, but really that kind of foundational layer is quite old. [03:29.100 --> 03:34.280] And as real, that means it's very hard to actually settle and move funds in that same [03:34.280 --> 03:39.420] real-time, traceable, visible manner that you do when you send an email. [03:39.420 --> 03:43.540] And so we believe blockchain and digital asset technologies are the things that actually [03:43.540 --> 03:44.940] can help solve that. [03:44.940 --> 03:52.860] So there's this $130 trillion cross-border payments market that we believe leveraging [03:52.860 --> 03:59.220] single source of truth, open, distributed, always available abilities of blockchain technology [03:59.220 --> 04:02.060] is huge. [04:02.060 --> 04:05.860] But the distinction there is that if we're going into replacing that infrastructure, some [04:05.860 --> 04:10.520] of the money that's sitting in that infrastructure, so the actual liquidity that lets you trade [04:10.520 --> 04:15.120] has not yet flowed to be the same scale in the crypto space just because it's newer and [04:15.120 --> 04:16.620] more nascent. [04:16.620 --> 04:21.620] And so part of the challenge is as we're trying to deliver that customer experience, [04:21.620 --> 04:25.600] that's fantastic for our payments customers when they really get that either reliable [04:25.600 --> 04:31.900] cross-border payment at low costs and quickly is behind the scenes having those integrations [04:31.900 --> 04:36.620] with various liquidity platforms, having liquidity partners, having all the additional [04:36.620 --> 04:42.260] kind of appliance things that over those whatever 50-odd years in kind of our legacy financial [04:42.260 --> 04:46.420] system have been developed, we need to kind of start to build those pieces and learn [04:46.420 --> 04:51.860] from those elements to kind of deliver the same for digital asset adoption. [04:51.860 --> 04:56.540] And is there anything that you're able to share around how Ripple you're actively building [04:56.540 --> 05:01.100] an almost blueprint for the crypto industry that will better enhance liquidity management, [05:01.100 --> 05:05.380] especially considering some of the recent setbacks like the collapse of platforms such [05:05.380 --> 05:09.420] as FTX because it's a huge talking point right now, isn't it? [05:09.420 --> 05:10.420] Yeah, absolutely. [05:10.420 --> 05:14.700] Yeah, 2023 was definitely a tough year for the industry. [05:14.700 --> 05:20.100] But at the same time, I'd say in many ways it helps validate the way in which at least [05:20.100 --> 05:24.460] Ripple approaches the problem, which I think other enterprises and financial institutions [05:24.460 --> 05:26.020] approach the problem. [05:26.020 --> 05:31.100] And that is really focusing on a use case, solving an end-to-end in a way that has kind [05:31.100 --> 05:34.620] of the highest standards and can be best in class for those customers. [05:34.620 --> 05:39.420] And then walking backwards to see what elements of that strategy can you apply to other areas [05:39.420 --> 05:41.700] of finance value movement. [05:41.700 --> 05:45.220] So concretely for Ripple, that is, again, we started with this cross-border payment [05:45.220 --> 05:48.020] space for the reasons I spoke about. [05:48.020 --> 05:51.140] Along that journey as we've been solving this for our customers, we really had to go [05:51.140 --> 05:53.060] deep in liquidity management. [05:53.060 --> 05:58.220] So again, building our liquidity and trading platforms, integrations, partnerships, compliance [05:58.220 --> 06:04.540] services and all these things that take time to do well, maybe some folks in the space [06:04.540 --> 06:07.380] that didn't do that, unfortunately. [06:07.380 --> 06:11.740] But then once you have those things, you can go look and say, hey, today we're able [06:11.740 --> 06:15.700] to solve a cross-border payment for remittance company. [06:15.700 --> 06:21.780] Maybe there's a new company that wants to sell luxury goods that's looking to accept [06:21.780 --> 06:25.100] cable coins or offer NFTs. [06:25.100 --> 06:28.780] They're going to have similar needs to manage liquidity and tap into that crypto liquidity [06:28.780 --> 06:34.020] so that their customers can kind of bridge that fiat system into the digital assets system. [06:34.020 --> 06:38.420] And so what we've done with, again, Subutica product that I've had the opportunity to [06:38.420 --> 06:42.820] lead is kind of take out that infrastructure we built for payments, but recognize its foundational [06:42.820 --> 06:46.380] infrastructure for other parts and other business use cases. [06:46.380 --> 06:50.300] And so that's really our blueprint that I think, honestly, others in the industry [06:50.300 --> 06:54.980] think about as well, but given how new we are, there's all these bits and pieces that [06:54.980 --> 06:59.540] as you start to solve a specific use case, you see, oh, the next use case is going to [06:59.540 --> 07:01.780] need a little bit of this too. [07:01.780 --> 07:06.220] And so I think that also combats some of the downsides that we've seen in the past [07:06.220 --> 07:12.780] year where as you get good at that, it just kind of matures the ecosystem at large. [07:12.780 --> 07:15.700] And so that's very much, you know, Ripple is very excited to continue that journey [07:15.700 --> 07:20.220] of finding new elements of infrastructure that then can be applied to different end-to-end [07:20.220 --> 07:22.380] use cases for customers. [07:22.380 --> 07:27.220] And if we look back a few years ago, I think all anyone was talking about was the excitement [07:27.220 --> 07:33.060] around blockchain and crypto, of course, artificial intelligence, Gen AI stole some of its thunder [07:33.060 --> 07:35.380] and some of those big headlines of excitement. [07:35.380 --> 07:40.260] But I've always said for me, the real exciting things happen is when these emerging technologies [07:40.260 --> 07:41.540] begin to converge. [07:41.540 --> 07:46.820] So with that in mind, what role do you see AI and machine learning playing it, predicting [07:46.820 --> 07:51.700] customer demand for assets and how does this inform liquidity management too? [07:51.700 --> 07:54.220] Yeah, it's fantastic. [07:54.220 --> 07:55.220] Same thing. [07:55.220 --> 07:58.300] I think that's just also the fun part of being in these industries that are wanting new [07:58.300 --> 08:01.820] technologies is actually starting to see how they connect with others and very true [08:01.820 --> 08:03.220] at Ripple. [08:03.220 --> 08:06.740] So machine learning and AI are things that we already do at Ripple, we think are very [08:06.740 --> 08:15.140] important in the way in which we think about it is our goal is to provide that very consistent [08:15.140 --> 08:17.220] high caliber customer experience. [08:17.220 --> 08:21.380] But for payments to think there's parts of that that are decisions that have to be made [08:21.380 --> 08:27.220] on the scale of 27 million payments and $50 billion worth of cross-border payments [08:27.220 --> 08:29.300] that we've done with our solution over the years. [08:29.300 --> 08:33.620] So you can't have simple strategies that run at that scale. [08:33.620 --> 08:36.620] And so AI and ML are the things that let you do that. [08:36.620 --> 08:41.780] So they help you forecast, make our best estimates of the future for things that are not fully [08:41.780 --> 08:48.140] predictable, say like exchange rates or volatility or market supply, and then lets you systematically [08:48.140 --> 08:53.500] optimize trade-offs in a way that reduces costs for customers, that keeps resiliency [08:53.500 --> 08:59.860] and the high number of nines that we can for delivering those payments. [08:59.860 --> 09:05.540] And in really building towards almost like a mini logistics platform where you have forecasting, [09:05.860 --> 09:09.620] execution systems that all come together that give that consistency. [09:09.620 --> 09:13.060] And before Ripple, I worked in high-frequency trading states. [09:13.860 --> 09:19.380] So many of those same forecasting and risk management technologies can be applied here. [09:19.940 --> 09:22.900] But really, there's no other way to do it. [09:22.900 --> 09:28.020] You need AI and ML to do this well at the scale and consistency and the speed with which [09:28.020 --> 09:29.540] we want to deliver for our customers. [09:30.180 --> 09:33.940] Now, this conversations around AI and crypto increased. [09:33.940 --> 09:37.380] Do you anticipate that AI could further disrupt the industry? [09:37.380 --> 09:42.100] Or do you think that both technologies can ultimately complement one another? [09:42.100 --> 09:45.220] Yeah, I'm always that kind of optimistic person. [09:45.220 --> 09:46.820] So definitely complementary. [09:48.740 --> 09:53.220] In fact, I guess there's some interesting parallels and then I think the ways in which [09:53.220 --> 09:55.620] they converge with each other. [09:55.620 --> 10:00.420] So one interesting parallel for me, as you highlighted over the past year, we've really had [10:01.140 --> 10:05.940] generative AI, large language models come to the fore and really almost like a step change [10:05.940 --> 10:07.700] in the capabilities in that space. [10:07.700 --> 10:12.580] But if you look back, the seeds of deep learning, neural networks, really neural [10:12.580 --> 10:15.860] networks goes back, I think, to the 70s and early 80s. [10:16.900 --> 10:23.780] And so I think it's just telling that going from a new technology to it actually being [10:23.780 --> 10:28.420] integrated in products, being a part of people's lives, where it becomes just part of the fabric [10:28.420 --> 10:30.500] of what we do, takes time. [10:30.500 --> 10:36.260] And then crypto is very much in that phase of its journey as well, where I think Satoshi's [10:36.260 --> 10:39.540] white paper came out in 2008, we're 15 years later. [10:39.540 --> 10:43.220] And so we're still embedding it in the technology. [10:44.740 --> 10:48.580] But then if you think about how they kind of work together, so obviously, as I just shared, [10:49.140 --> 10:53.940] there's very much the use of NML to how we fulfill liquidity, how we kind of do that [10:53.940 --> 10:57.700] logistics of crypto liquidity and payments for our customers. [10:58.900 --> 11:03.460] I think there's other ways that specifically large language models and the new generative [11:03.460 --> 11:11.940] AI's can be relevant for, say, compliance, KYC, AML, where we can kind of use that technology [11:11.940 --> 11:16.660] to reduce the burden on customers, kind of increase the efficiency of our own teams. [11:17.540 --> 11:21.780] I think just customer support, we've seen both well done and not well done. [11:21.780 --> 11:28.180] The use of chat GPT for doing customer service, I think it's a great place to start. [11:28.180 --> 11:32.500] We definitely need to make it better. But I think there is a lot of value there in how [11:32.500 --> 11:38.100] customers integrate and interact with our services. On the flip side, I think there's [11:38.100 --> 11:41.540] interesting questions about what crypto can do for AI, actually. [11:42.180 --> 11:47.460] Again, with generative AI, a lot of the questions are around authenticity, [11:47.460 --> 11:52.740] copyright, kind of provenance. That's actually a thing that blockchain does quite well. [11:53.460 --> 11:59.140] The amazing part of the way I think about blockchain technology that's just mind blowing [11:59.140 --> 12:04.900] to me is basically this shared infrastructure that is open that anyone can participate in [12:05.620 --> 12:11.220] and enables these different parties that have no pre-existing agreements or arrangements to [12:11.220 --> 12:15.300] reach a shared source of truth. I think applying that to some of the data, some of the [12:16.020 --> 12:22.180] content generated by LLMs, I think is a place where crypto might actually help speed the [12:22.180 --> 12:28.420] adoption of AI. It's very much exciting to have both of these technologies at the forefront now and [12:29.460 --> 12:32.500] being part of the industry that gets to figure out how they can be combined. [12:34.020 --> 12:41.220] 100% with you on that. We already find ourselves in February 2024, and there's a lot of excitement [12:41.220 --> 12:46.660] and predictions around Bitcoin, ETFs, etc. But I'm curious as someone right in the heart of this [12:46.660 --> 12:51.620] space, what trends do you think will see further emerge this year for the crypto industry? [12:52.100 --> 12:53.940] There's a lot going on at the moment, isn't there? [12:54.820 --> 13:02.980] Absolutely. I think the ETF approvals are a sign of one trend that I've seen in the last year. [13:02.980 --> 13:05.940] I think we'll see a lot of this year, which is that institutional adoption, [13:08.100 --> 13:14.980] which is really maybe a couple of elements for why we've gotten here where I see it going. [13:16.420 --> 13:20.660] We had a couple of these up and down cycles throughout crypto and crypto stayed around. [13:21.940 --> 13:26.660] I think that's given confidence for institutions that it's a thing that can be relied on [13:26.660 --> 13:30.740] to solve the problems that they've seen, the early signs of success, [13:30.740 --> 13:35.940] be it cross-border payments or otherwise. The great thing though is this is a virtuous cycle. [13:36.980 --> 13:42.740] As we have the institutions leading in, the compliance, the stability will grow, [13:42.740 --> 13:47.780] will attract others to the space to continue to level those up. Then as we're able to bat, [13:47.780 --> 13:54.660] more institutions will lean in. I think it's just a fantastic cycle that will just accelerate as [13:54.660 --> 13:59.060] it's happening. I think we see early in the year with the ETF adoption. I think past that, [13:59.060 --> 14:04.660] we'll continue to see more work in broader tokenization. Tokenization here is about [14:04.660 --> 14:11.860] representing other real world assets. Real estate or other different types of financial instruments [14:11.860 --> 14:16.980] on the blockchain, which in turn will make it more efficient to operate and manage those, [14:16.980 --> 14:21.780] lower the barriers to entry to give broader access where people today that may not be able [14:21.780 --> 14:29.140] to invest in a luxury or item may be able to own a share of that. It's just a nice way in which [14:30.020 --> 14:35.620] institutions can actually accelerate in a way that we may not have seen three to five years ago. [14:36.260 --> 14:40.260] Within that space, if I think more about maybe where Ripple specifically is looking at, [14:41.140 --> 14:45.300] I think it's that theme I shared where we go deep on a use case and then start to see the [14:45.300 --> 14:49.700] primitives that can apply to other areas. And so, you know, Ripple.net has custody offering, [14:49.700 --> 14:54.820] which is fantastic. I think what we're learning in Liquidity Hub is this value of on and off [14:54.820 --> 15:01.300] ramps. I'm looking forward to the day, which is not too far away, where people stop thinking [15:01.300 --> 15:04.980] about, are you a crypto company? And same way that people don't ask if you're an internet [15:04.980 --> 15:09.860] company anymore, it's just part of, I operate your business. So I think establishing these [15:09.860 --> 15:16.260] components on and off ramps, identity and compliance solutions, and start to have that [15:16.260 --> 15:21.620] infrastructure where it's standard and can be used is what I'm hoping to see happen in 2024. [15:23.460 --> 15:28.980] And on behalf of your passionate community, I also want to highlight that Ripple successfully [15:28.980 --> 15:35.140] launched Liquidity Hub last year. I've got to ask, what are Ripple's ambitions this year to [15:35.140 --> 15:38.900] grow that service? You might be locked down as to what you can share, but is there anything [15:38.900 --> 15:44.100] you can share around that? Yeah, I'd say, you know, a little bit of a broken record of my part, [15:44.100 --> 15:50.100] but like it's this idea that it really can enable that infrastructure layer, you know, [15:50.100 --> 15:57.220] and particularly, I'm seeing an exciting resonance that we also saw with our payments customers of [15:57.220 --> 16:02.740] moving value end-to-end. And so that is, say for Liquidity space, maybe, you know, [16:02.740 --> 16:07.540] this NFT example marketplace I shared, maybe they have an exchange they can integrate with, [16:07.540 --> 16:10.980] but it doesn't really help them settle ultimately with their customers who need to [16:11.540 --> 16:15.380] pay with a credit card or move some funds in and out. And so I think, you know, [16:15.380 --> 16:20.980] Ripple's strategy of continuing to find that common thread between this value movement for [16:20.980 --> 16:25.940] these use cases is exciting. So just kind of kind of see where we can double down on [16:25.940 --> 16:32.580] what's really working well for those customers and doing it kind of global scale in a way that [16:32.580 --> 16:38.500] is really powerful. Well, thank you so much for spending a bit of time with me today and talking [16:38.500 --> 16:43.780] about some of the things we can expect and also sharing your insights. Now, regular listeners, [16:43.780 --> 16:49.140] when I always ask my guests to leave everyone listening with either a book or a song. A song [16:49.140 --> 16:53.380] for the Spotify place, a book for our Amazon wish list. I don't mind which you're going to leave [16:53.380 --> 16:56.580] us with. All I ask is what would you like to leave everyone listening with and why? [16:57.540 --> 17:02.820] Yeah. So it's a book I read recently. It's called One Giant Leap, [17:02.820 --> 17:06.020] The Impossible Mission That Flew Us to the Moon by Charles Fishman. [17:07.060 --> 17:12.340] Somehow I got a kick on space, I don't know, over December. But it's just a fantastic book [17:12.340 --> 17:18.340] that really looks at kind of the Apollo program, which started with John F. Kennedy in 1951, [17:19.380 --> 17:23.700] telling the world that the US was going to land someone on the moon by the end of the decade. [17:23.780 --> 17:27.620] And what's so striking is we had no plan how we were going to do it. [17:28.340 --> 17:31.540] Many of the engineers and scientists did not know if we could even do it. [17:32.980 --> 17:37.620] And yet remarkably, we did. So it's just a great study and dealing with ambiguity, [17:39.140 --> 17:43.860] kind of dealing with challenges and the ups and downs of delivering something. But also, [17:43.860 --> 17:50.340] just having such like a really moonshot, the first moonshot, like such a high bar that you're [17:50.340 --> 17:56.340] trying to hit brings out the best in many ways. So just yeah, great book, highly recommend it. [17:57.860 --> 18:02.100] Awesome. Well, I'll get that book added straight to our wish list. And for anyone listening, [18:02.100 --> 18:05.940] maybe they want to dig a little bit deeper on anything we talked about today. So anywhere [18:05.940 --> 18:10.180] in particular, you'd like to point them if they want to contact your team, join your community, [18:10.180 --> 18:12.180] or just stay up to speed with the latest development. [18:13.060 --> 18:17.300] Yeah, go to our website, rebel.com. Definitely some great content there, [18:17.300 --> 18:21.220] what we're already up to, but also where we regularly share updates with our business [18:21.220 --> 18:24.820] partners and kind of all the fun things that we're delivering for Ripple. [18:25.860 --> 18:29.380] Well, I can't thank you enough for coming on here today, sharing your insights and [18:29.380 --> 18:33.140] also how you're building that blueprint for the rest of the industry to follow when it [18:33.140 --> 18:37.540] comes to liquidity management and why it matters what we can expect for the future. [18:37.540 --> 18:42.020] I think we could speak about this stuff for hours, but I'd love to stay in touch with you [18:42.020 --> 18:46.820] as this continues to evolve, maybe get you back on later in the year. And more than anything, [18:47.220 --> 18:50.580] thanks for sharing our story today. Thank you so much. It was a lot of fun. [18:50.580 --> 18:57.540] As we conclude our conversation with Brad today, I think it's evident that the world of cryptocurrency [18:57.540 --> 19:03.380] is not just surviving its trials, but it's also poised for a future filled with innovation [19:03.380 --> 19:08.900] and transformation. And Brad's expertise has certainly shed light on how Ripple is navigating [19:08.900 --> 19:14.420] some of the challenges of liquidity management and leveraging AI to revolutionize that crypto [19:14.420 --> 19:20.180] landscape. But as we all sit here and ponder the future trends of 2024 and beyond, I think [19:20.180 --> 19:25.060] it's clear that the crypto industry is on the cusp of something new, isn't it? Something exciting. [19:26.180 --> 19:31.140] But what are your thoughts on the future of crypto, blockchain, and anything in between? [19:31.140 --> 19:35.300] How do you see all these advancements that we're witnessing right now? How do you see them [19:35.300 --> 19:41.060] impacting your personal financial strategy? Is it going to make a difference? Is it not? [19:41.140 --> 19:44.420] I invite you to share your thoughts with me today. I don't have all the answers, [19:44.420 --> 19:48.580] but I know there's a passionate community out there of people that have got some very strong [19:48.580 --> 19:52.340] thoughts and feelings on these too. So please, let's carry this conversation on, [19:52.340 --> 19:58.020] share your thoughts, and continue this conversation with us. Email me, techblogwriteroutlook.com, [19:58.020 --> 20:02.420] Twitter, LinkedIn, Instagram, just at Neil C Hughes. But that's it for today. I'll be [20:02.420 --> 20:06.580] back tomorrow. We'll have a completely different guest, different technology, different industry. [20:06.580 --> 20:12.180] We'll try and explore and demystify that together too. But until then, keep exploring, [20:12.180 --> 20:17.540] keep questioning, and most importantly, stay ahead in this ever-evolving world of technology, [20:17.540 --> 20:20.980] and let me know how you do it, because it's getting harder and harder keeping up with the [20:20.980 --> 20:26.900] pace of technological change. And I think there is a reality that although it can be difficult [20:26.900 --> 20:31.700] keeping up, it's never going to move this slow again. So any tips on how you keep up to speed [20:32.260 --> 20:37.700] and stay ahead of the curve. I'd love to hear what you do too. So I'm rambling now, so it's time [20:37.700 --> 20:42.660] for me to walk off into the sunset, and I will wait patiently in your podcast feeds with another [20:42.660 --> 20:50.980] guest tomorrow. But thank you for listening as always, and until next time, don't be a stranger. Transcription results written to '/home/forge/transcribe2.sonicengage.com/releases/20240204160215' directory