A Personal (and Professional) AI Journey

This entry is part 1 of 1 in the series Mclowd AI Series

We are moving from ego-systems (profit driven) towards ecosystems (purpose driven). The bigger the organisation the bigger the challenge… AI will push humanity towards their purpose, more and more people will follow their heart as a result. And smart technology will help human beings to develop themselves in that direction. Christian Kromme Background Entrepreneurs live […]

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The Uberisation of SMSF

Background If you had stood on any street corner of a major city in Australia five years ago the flow of traffic – and the cars themselves – would have looked just as they had for many years before that point in time. But in the background – unbeknown to most people – a shift […]

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Uber, Taxify and The Journey Towards a Zero Marginal Cost Society

“I think Uber is just very different, there’s no model to copy.” Travis Kalanic, FT.com March 3rd 2017 Background In my role as Managing Director of Mclowd I recently caught up with an accountant in suburban Melbourne. This practitioner provides bookkeeping services to a number of Uber drivers, whom he noticed had started declaring income […]

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Zero Marginal Cost – The Ultimate Fintech Disruption?

“A second explanation is that we are overlooking actual output – and thus productivity growth – because the new information-intensive goods and services are hard to measure, and their costs may be falling faster than standard methods allow us to gauge.” Nouriel Roubini, Populists and productivity, 4th June 2016 Background Harvard University Professor Joseph Schumpeter […]

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50 Years of Artificial Intelligence

1965 “Let an ultraintelligent machine be defined as a machine that can far surpass all the intellectual activities of any man however clever.  Since the design of machines is one of these intellectual activities, an ultra intelligent machine could design even better machines; there would then unquestionably be an ‘intelligence explosion’, and the intelligence of […]

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The Sugar Hit of Balance Sheet Funding – Dick Smith and the Macroeconomic Implications for Australia

“Come the end of 2015 financial year, however, it really comes home to roost. Operating cash flow was negative $4m, as inventory increases further and suppliers demand payment, decreasing accounts payable. The business is required to take on $71m in debt to fund a more sustainable amount of working capital. As the benefit of prior […]

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Disruption and Diffusion in the Energy Sector: The Role Played by Zero Marginal Cost (Part 2)

“In rural areas individuals and communities may find it economic to disconnect from the grid.” Op ed, Australian Financial Review, May 25th 2015, p39 Introduction In Part 1 of this blog I described how incumbents in the Australian electricity sector have inadvertantly created a scenario where the $$ required to fund their displacement offers the […]

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Disruption and Diffusion in the Energy Sector: The Role Played by Zero Marginal Cost (Part 1)

“In rural areas individuals and communities may find it economic to disconnect from the grid.” Op ed, Australian Financial Review, May 25th 2015, p39 Introduction In early May Tesla announced its long-awaited move into electricity storage. While it is not the only player looking to grow this market, lending the weight of the Tesla brand […]

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Superpartners: A House of Cards?

Background Anyone who has watched the series House of Cards would know that it is a compelling example of high quality content designed specifically for television (and even smaller screens). Fewer would be aware that it was developed by and for Netflix, and that it represented part of our inexorable journey towards a Zero Marginal […]

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Capital Efficiency, Marketing and the Journey Towards Zero Marginal Cost

Introduction From inception Mclowd has been run along the strictest of Lean Start Up principles, and as a consequence of being capital constrained traditional marketing activity has been largely absent, both as to capabilities and execution. Interestingly however, the Community has continued to grow, which has got me thinking about what the implications of Lean […]

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