Age of Disruptors

World Economic Forum 2013

World Economic Forum 2013, Photo: Monika Flueckiger, CC – Some Rights Reserved.


Today the only constant is change itself. Either you disrupt yourself or someone else will. In a decade from now, 40% of companies in Fortune Top500 have either been acquired or gone to bankruptcy. The rate of change increases exponentially, while the complexity of the ecosystem increases accordingly.

Disruptors in finance

From the innovation central of Google headquarters beside Moffett Airfield in Mountain View, CA to Tapp Commerce busy operations center in Jakarta and riverside knowledge base in Turku, Finland, people out innovate the large-caps, ones with legacy systems and historical burden that they claim is based on pride and tradition. The rip-off of ailing capital at bankers’ accounts, for their benefit, comes to end with real-time operators such as TransferWise, Moni and now also Facebook offer global money transfer services. Board members of financial institutions sit at the top of ivory towers enjoying perks from corporate behemoths, with a slipping grip of power without realizing their fate. The rapid change of thinking from the outsiders becomes the new normal, the constant change in the age of new finance. Whether you build a global world changing startup, or enjoy perks atop a corporate headquarters, ensure you are up-to-date with the changing structures. As the people at startups switch gears, and take the ones from Wall Street corner offices to street corners, they replace your power by consumers will. The fourth industrial revolution is about connecting retail and manufacturing, logistics and telecommunication, and mashing up with new business models to empower the individual. A market where anyone becomes a merchant and distributes the positive word of luxuriating first world goods and services to third world countries. This is about financial inclusion of the forgotten, the cash society that aligns with stability and creation of the middle class. Bringing stability to the lower part of the purchasing pyramid of demographics, saving the elites from the anarchy of the masses.

Mastering human capital

When building new, what matters the most is not what you are building but with whom you are building with. In our times, digital and analogue expansion occur simultaneously, with a limitation of talent. Education is essential in producing material resources, sharp-skilled individuals with business or computer degrees, with a fluent international capacity of communication. Business leaders report an acute shortage of talent, a claim that can be verified from the World Economic Forum’s Human Capital Index. Social skills and unique human traits go beyond mastering a machine, at least until artificial intelligence takes over. The change of economic structure, society and exponential growth in technology shortens the shelf life of employees’ skill set. In Southeast Asian societies, education is the challenged resource.

Rearranging wealth

We are changing the finance and insurance industry. There are tens of trillions of dollars that go unaccounted into the global economy. This mass of unorganized wealth will enter the global economy in the next years to come, 2017-2020. It is essential to rearrange that cash, as Google rearranged the information on the Internet in 1999. These are not necessarily your customers, but your customer’s customers. The era of major change in big money democratizes access to information, that becomes knowledge when interpreted locally within the minds of a Harvard graduate, with a six figures starting salary, or a girl with nothing on the countryside outskirts of Nairobi. This knowledge is then spiced up with everyone’s local understanding and imagination, of how the world is set and should be constructed. This gives the mankind leverage to further develop our societies into more stable and well off, bringing financial inclusion that enables people to choose for themselves. This is empowerment of the outsiders. The people that had little, now choose for themselves and become part of a contribution in GDP, towards progress for global economies.

We are talking about five billion new customers, who represent the underbanked and uninsured. Tapp Commerce creates a wave of change from the unbanked to the banked, from non-inclusion to inclusion, narrowing the gap of inequality.

We bring monetization and goods for masses. In the times or rapid global structural change, as a leader of a corporation, one may ask: which of your products will you grant free before your competitor does?

In Turku 3rd of June 2016,

Sami Leino

Head of Global Partnerships

Tapp Commerce



Time Magazine, 20160601 The Next Industrial Revolution Is Coming to Southeast Asia

Emperor’s Handbook Sami Leino, 2016: Chapter 5. Society Doctrine p. 146.

Harvard Business Review, May 2016 Planned Opportunism.

Peter Dimandis Exponential Finance, Singular University, 2015.