Startup Community in Copenhagen

Copenhagen is well known for being a happy and smart city. That’s why I was really excited about joining the Startup Weekend of the Copenhagen Fintech Week and couldn’t wait to meet the dynamic FinTech startup community there!

The Copenhagen Fintech Week was an international event where people from all around the world came together to share insights on latest hot topics in the Fintech world like artificial intelligence (AI), blockchain, cybersecurity, Sustainable Development Goals (SDGs), open banking, etc. As part of the Copenhagen Fintech Week, the Startup Weekend embraced novel ideas from Fintech startups and provided a competitive yet potentially collaborative platform for innovation initiators. There we worked on projects that interested us, honed our ideas with exchanges from fellow participants and help from coaches, and finally got to pitch our work.

It was a valuable experience working and interacting with inspiring people, and building up our ideas with the insights and experience from like-minded fellows. I really appreciated the opportunity and looked forward to more to come!


參與哥本哈根的金融科技周,與各地初創企業家互動交流

哥本哈根是知名的快樂和智慧城市,所以我相當高興能參與其金融科技周的初創周末,急不及待和那裏的金融科技初創社區見面交流!

哥本合根的金融科技周是個國際盛事,來自世界各地的專業人士會聚首一堂,分享探究金融科技世界最新最流行的議題,這次的主題涵蓋人工智能(Artificial Intelligence),區塊鏈技術(Blockchain)、網絡安全(Cybersecurity)、可持續發展目標(Sustainable Development Goals)、開放銀行(Open banking)等等。而初創周末作為金融科技周的一部分,特別為初創企業和項目發起人提供一個鼓勵協作又具競爭性的平台,讓我們能在此開展我們感興趣的想法或項目,並藉着和與會者交流看法和導師的建議而加以完善,最後我們有機會匯報自己的項目提案。

這實在是個難得的體驗,能夠和不同背景但志同道合的與會者和初創企業家互動,藉大家的經驗和建議來改善加強彼此的項目想法,實在受益匪淺,期待未來更多與各地金融初創交流的機會!

 

Highlights from a Day Trip in Lyon, France (2/3)

I seized the opportunity to pay a visit to TUBA, a co-working space devoted to developing and experimenting innovation projects for smart city. TUBA engages large enterprises, startups and the public to work together to innovate urban solutions especially by harnessing public, private and personal data.

TUBA is truly a role model as an innovation hub, project incubator and open data studio. The work culture and atmosphere are really comfortable and conducive to synergies. In TUBA, data is valued and plays a critical role in connecting project initiators, developers and users. Project initiators can work with experts, data scientists, fellow developers, etc in the hub in innovating using data, and test out new projects with the public. That also means the public can be actively engaged in co-building solutions to drive the smart city development as well.

Building a smart city needs the concerted effort by every city user. TUBA is a good inspiration on how.


一日飽覽里昂風光

遊覽里昂時我不忘抽空參觀TUBÀ,TUBÀ是里昂特別為開發智慧城市項目而設的共享工作中心及數據實驗室,透過共享和應用數據來創新和研發科技項目。TUBÀ把大型企業、初創公司和公眾連繫起來,讓他們在同一工作空間利用公營、私營和個人數據共同創新、發展和實驗智慧城市項目,讓里昂變得更聰明和有效率。

在TUBÀ的體驗讓我大開眼界,身兼創新科研實驗室、項目培育和數據開放中心,TUBÀ是個值得學習的楷模。共享空間讓工作文化和氣氛來得十分輕鬆舒服,對共同協作饒有助益。同時,數據在連結項目發起人、開發人員和使用者上起了關鍵作用,發起人不但可以和不同專家、數據科學家和研發人員共同合作,又能接觸公眾,讓其一起測試、實驗創新項目,如此大眾就能積極參與共同開發以智慧城市為目標的創科項目和解決方案。

建立智慧城市需要每個城市用戶的參與和努力,而TUBÀ即為此提供了一個極具參考意義的做法。

Valuable takeaways from Professor Daniel Kahneman, one of the most influential figures in behavioral finance

We usually get to see renowned figures on the TV rather than in real life. Like Nobel Laureates it’s more likely for us to hear of their names than get to know them. We might assume such knowledgeable and impactful figures as Nobel Laureates to be difficult to comprehend as their knowledge may be beyond our understanding.

But seeing Professor Daniel Kahneman’s session at the 71st CFA Institute Annual Conference overthrew the misconception; the Nobel Laureate in Economic Sciences spoke in clear and easy to understand terms of thought-provoking messages. Here are my valuable takeaways from him.

On planning fallacies and ways to avoid:

  • Whenever there is judgement, there is noise.

  • Algorithms are noise-free and better than human judgement.

  • People underestimate uncertainties the market holds.

  • Optimism is everywhere when people plan.

  • Optimism is a risk.

  • The remedy is a broad view.

  • Take an outside view.

On how to be happy:

  • When there is a problem in life, ask advice before making a decision.

  • People to turn to for advice: people who like you and do not care about your feelings.

It’s wisdom to remember. What do you think?


諾貝爾經濟學獎得主丹尼爾·康納曼教授的規劃智慧

對於一些出名或權威級的人物,例如諾貝爾獎得主,我們甚少有機會與之見面及交談,所以很容易會設想這些學識淵博影響甚廣的人物的知識非我們能輕易明白。然而,有幸聽到諾貝爾經濟學獎得主丹尼爾·康納曼教授的現場分享,打破了我的謬想。

我是在第71屆CFA Institute(特許金融分析師協會)峰會上聽到丹尼爾·康納曼教授的分享的。教授是行為經濟學的權威、諾貝爾經濟學獎得主,與我們分享他的深度智慧時,由淺入深,清晰易明,實在讓我敬佩不已。

說到如何滅少規劃謬誤和作出更好的決定時,教授提出了我們常怱略的一個行為因素—隨機變動性,做決定時,我們的判斷帶有隨機變動性,即是在兩個相同的情況下,我們的判斷可以很不一樣,這種變動性會影響我們作出有誤差的決定。所以如果可行,我們應以機械演算法來替我們作判斷,因為演算法做決定時不會隨機變動,可確保無誤差預測及抉擇。

教授亦提到人們常低估市場的不確定性,還可能過分樂觀,而構成風險。我們應以一個局外的角度、全面的視野來看事情。

當被問到快樂的方法時,教授說遇到困難時,應先問人意見才作決定,應問誰意見呢?那些喜歡你但不把你的感受放在第一位的人。

教授的一席話真讓人獲益良多,你認為呢?

 

A Casual Sound Walk at Kawazu Seven Waterfalls in Izu

During my stay in Izu, I made time for the stunning Kawazu Seven Waterfalls (河津七滝). Located in the mountains above the onsen town Kawazu, the site was of natural scenic beauty. But this time it was more than a feast for the eyes; it was also one for the ears. I was taking a soundwalk along the 1 km long trail past the waterfalls.

A soundwalk is a walk one takes focusing on the sounds of the surroundings. As different from what we usually do, in a soundwalk we pay more attention to what we hear, experiencing the environment through sounds rather than sight. And how a scene sounds like is known as a soundscape. The International Organization for Standardization (ISO) also released standards on the measurement and management of soundscape. So this time, I was feeling the soundscape of the Kawazu Seven Waterfalls with what I heard. It was a nice and relaxing walk. When I closed my eyes and listened: it was a symphony of water splashing, gurgling, rushing, gliding through and hurtling against rocks.

Along the trail, we also came across statues from the story of The Izu Dancer by Kawabata Yasunari, Japanese sculptures, a suspension bridge… All made pleasant additions to the walk. If you visit Izu, the Kawazu Seven Waterfalls is a must-go!


日本伊豆之行(下)︰在河津七滝聲音漫步

這次伊豆之行我特意抽時間遊歷美麗的河津七滝,慕名而至,滿載而歸。七滝即七瀑布,位於温泉之鄉河津附近的山上。瀑布與瀑布之間是一條約一公里長的小徑,沿途風景迷人,讓人心曠神怡,但這次不止是一場視覺盛宴,更是聽覺享受,因為此行我不單是郊遊看風景,而是聲音漫步(soundwalk)。

平日我們習慣以視覺來感受外界,甚少依賴聽覺來感受,但視象與聲音都是組成我們記憶和感覺的部分,很難分割開來,聲音漫步讓我們專注聆聽周圍,以聲音感受環境。透過聲音來感受和描述的環境被稱為聲景(Soundscape),國際標準化組織(International Organization for Standardization)近年亦為量度和管理聲景訂立國際標準,可見聲景研究和設計漸趨重要。這次七滝中連接瀑布與瀑布間的小徑是很好的聲音步行路線,沿途有不同特色的聲景。把七滝風光盡收眼底,閉起眼,又是另一番感受︰一場水流的交響樂遠遠近近響起,是水或濺起,或潺潺流動,或穿過或激打石頭的聲音……

沿途還遇見「伊豆的舞娘」裏主角的雕像、日式傳統雕塑、吊橋等等,為途人增添不少驚喜,留下美好回憶。假如你到河津,七滝之景絕對不可錯過!