BLOCK Issue 5

区块链

ISSUE 5 第5期

DIGITAL REBOOT 数字重启 24

CONNECTED, INFORMED, AND SAFE 连通,知情,安全

AKON’S AFRICA

阿肯的非洲

PURSUIT OF A LONGER LIFE

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追求延年益寿

WORLD’S

GAMING FESTIVAL

UP NEXT

E U R O P E ( M A LTA )

ASIA (MANILA)

Feb 16-18, 2021

M a y 2 7- 2 8 , 2 0 2 1

AMERICAS ( SÃO PAULO)

A F R I C A ( C A P E T OW N )

Sept 13-14, 2021

March 22-23, 2022

区块链 EDITOR 编辑 Katy Micallef

CREATIVE DIRECTOR 创意总监 Jessica Camilleri

PHOTOGRAPHY 摄影 Aleksey Leonov

CONTRIBUTORS 撰稿人 Laetitia Bradamante, Maria Debrincat, Jeremy Micallef & Luke Scerri

SALES 销售 Sophie Crouzet, Ana Maria Duarte Delgado Denis Dzyubenko, Sofya Puzhaykina & Sintija Rimsa

EDITOR’S NOTE 编者注 It would have been tempting to sit back on our laurels and enjoy this

本来我们很想坐享其成，享受疫情带来的这段插曲，但

pandemic interlude, but as it turned out; we simply haven’t had the time.

事实证明，我们根本没有时间。在SiGMA亚洲数字峰会

In the wake of a successful first run with AIBC Asia Digital, the company

的首次成功举办之后，公司已经完全拥抱了网络世界能

has fully embraced the opportunities the online world has to offer. We

够带来的机会。我们接着举办了第二场数字峰会，而这

followed through with a second digital summit, this time in 3 languages,

次，活动采用三种语言，帮助我们进一步深入到新兴

helping us delve further into the up-and-coming LatAm markets.

This multi-lingual approach is in line with a new, global vision which saw the launch of new events in the Americas, Asia, and Africa, and the addition of 5 new languages to our website. Through a more diverse

的拉美市场。 这种多语言做法与我们新的全球愿景相契合，随着在美 洲、亚洲和非洲推出新活动，同时可见到我们的网站上

offering we hope to connect with a growing international audience, a

增加了5种新语言。我们希望通过更多样化的服务与越

sentiment we plan to amplify later this year when we introduce a further

来越多的国际观众建立联系，也计划在今年晚些时候推

iteration of languages; French, Korean, Japanese, Thai, and Hindi.

出韩语、日语、泰语和印地语等更多语言。

It is also for this reason that AIBC summit has made plans for its inaugural

也正是因为这个原因，SiGMA已经计划在11月举办首届

virtual event in November. Custom-designed, the summit offers an

虚拟活动。峰会将为与会者提供互动和视觉体验，利用

interactive and visual experience to attendees, leveraging the latest

最新的尖端技术设计一个最先进的虚拟活动空间。

cutting-edge tech to design a state-of-the-art virtual events space.

In tandem with these shifts and changes, this publication has also moved with the times. For the first time ever, the magazine offers a trifecta of verticals within its pages; bringing emerging tech, med tech and med cann together under one cover.

协同这些转移与变化，出版品同样也随着时代浪潮前 进。这本杂志首次在内页中涵盖了三个垂直领域：将新 兴技术、医疗技术和医用大麻汇集在同一期内容。 最后，我怀着感谢的心情——感谢共同创始人Eman

It is with thanks that I conclude - to co founder, Eman Pulis, for his bold

Pulis的大胆领导，也感谢编辑团队将本期杂志提升到

leadership, and to the editorial teams for taking this issue to the next level.

一个新的水平。

Aleksey

Katy

Jess

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CONTENTS 内容 FEATURE 专题报道

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CONNECTED, INFORMED, AND SAFE 冲破银行束缚

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Q&A 问答

AKON’S AFRICA 阿肯的非洲

Malta’s Health Minister, the Hon. Chris Fearne on digital health for all.

Explore Akon City - a Pan-African smart city in the heart of Senegal.

马耳他卫生部长Chris Fearne谈论全民数字健康。

探索 Akon City ——位于塞内加尔市中心的泛非洲智慧城市。

COVER STORY 封面故事

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MALTA: DIGITAL REBOOT 数字重启

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FEATURE 专题报道

AI: QUO VADIS? 人工智能：QUO VADIS？

The Hon. Clayton Bartolo gets candid about Malta’s digital future.

Stefano Filletti calls for judicial reform in liability cases involving AI.

Clayton Bartolo真诚地分享了马耳他的数字化未来。

Stefano Filletti呼吁对涉及人工智能的法律责任案件进行司法改革。

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Q&A 问答

DE[TECH]TING INNOVATION 科技创新

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FEATURE 专题报道

THE DAWN OF INDUSTRY 4.0 工业4.0的曙光

Dana Farrugia discusses Tech.mt’s vision and its aim to add local growth.

Leveraging DLT to harmonise data exchanges.

Dana Farrugia讨论Tech.mt的愿景及其帮助当地发展的目标。

利用DLT来协调数据交换。

保留所有权利。未经事先书面同意，严禁复制全部或部分内容。《BLOCK》中表述的意见不一定是编辑 或出版商的意见。我们会采取一切合理的谨慎措施来确保真实性和准确性，但编辑和出版商不对文章、广 告、照片或插图中的错误或遗漏负责。

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| #AIBCsummit

Issue 5

您想出现在下一期的《BLOCK》中吗？ 关于广告机会的更多信息，请致电(+356) 9915 0486, 或发送电子邮件至pr@blockchainsummit.com.

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GALLERY 图库

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RELIVE THE MOMENTS 精彩回顾

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Q&A 问答

TRANSFORMATION THROUGH TECH 通过技术实现转型

Relive the best moments from our most recent events.

Digital Health Malta is transforming the health care sector through emerging tech.

回顾我们近期活动的最佳时刻。

Digital Health Malta 正在通过新兴的方式改变卫生保健部门。

FEATURE 专题报道

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FUTURE OF FINANCE IN LATAM 拉美的金融未来

IT’S A MATTER OF LIFE & (SEX) TECH 科技创新

Fintech is fueling an economic revolution in LatAm. Etienne Farías investigates. 金融科技正在推动拉脱维亚的经济革命，Etienne Farías对此进行了调查。

FEATURE 专题报道

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FEATURE 专题报道

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PURSUIT OF A LONGER LIFE 追求延年益寿

How to protect, track, verify, and share your sexual health status. 如何保护、追踪、核实并分享我们的性健康状况。

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WHO’S WHO

谁是谁 IN THE #AIBC ECOSYSTEM 在#AIBC生态系

Leveraging block tech to develop a decentralised system for biomedical data.

Get to know key figures on the emerging and medical tech scene.

利用区块技术开发生物医学数据的去中心化系统。

来认识新兴科技与医疗场域的关键人物。

The BLOCK is published by Viking PC Health Ltd., Judge Paolo Debono Str., Msida Skate Park, Msida. MSD2032, Malta.

All rights reserved. Reproduction in whole or in part is strictly prohibited without prior consent

Would you like to be in the next issue of BLOCK?

in writing. Opinions expressed in the BLOCK are not necessarily those of the editor or publisher.

For more information regarding advertising opportunities kindly call

All reasonable care is taken to ensure truth and accuracy, but the editor and publishers cannot

Katy Micallef on (+356) 9915 0486 or email at katy@sigma.com.mt.

be held responsible for errors or omissions in articles, advertising, photographs or illustrations.

www.aibcsummit.com

Issue 5

#AIBCsummit | 7

SPEAKING THE SAME LANGUAGE 说着同一种语言

T

he onset of the pandemic has given this industry a rare

疫情的发生为这个产业带来一项难得的奢侈

luxury; time. Time to think, time to talk.

品，那就是时间。它使人们有时间去思考，有

And we haven’t wasted a moment of this valuable resource, choosing to funnel our energy and resources into a series

而我们没有浪费这宝贵的资源，选择将精力与

of high-end digital and virtual conferences, revamping our

资源投入到一系列高端的数字和虚拟会议中，

websites, and investing in our media.

改造我们的网站，并且投资我们的媒体。

Like most other businesses out there, our events have

和其他大多数企业一样，我们的活动无疑也受

undoubtedly been shaped by the current pandemic. Travel restrictions meant that we had to make the tough decision to postpone our 2020 summits planned for Malta and Manila.

Despite this, we’ve still got the future in our sights. This year we launched a new initiative: AIBC Americas - setting 2021 up to be an incredible year for a global adventure. We’re also

到了当前流行病的影响。旅行限制使得我们不 得不做出艰难的决定，推迟原本计划在马耳他 及马尼拉举行的2020年峰会。 尽管如此，我们仍然着眼于未来。今年，我们 推出了一项新举措：AIBC美洲——将2021年

launching AIBC Africa in 2022, with South Africa confirmed as

打造成全球探险的精彩一年。我们还将于2022

our first port of call.

年推出AIBC非洲，并确定南非为我们的第一个

2020 still holds a lot of promise. We explored Asia and the

停靠港。

Americas in our inaugural online conferences, with a series

2020年仍旧充满希望。我们在首届在线会议上

of interactive debates giving voice to experience. Our LatAm

探索了亚洲和美洲，通过一系列互动辩论为经

focussed-event was held, for the first time, in multiple

验发声。第一次，我们采用多种语言，举办该

languages.

场以拉丁美洲为重点的活动。

Our growing international portfolio is reflected in the

我们不断增长的国际组合反映在网站不断变化

changing face of our website, with content now available in 10 languages. This more multicultural outlook reflects our understanding of the dynamics of a fast-changing marketplace and the value of a broader outlook.

Towards the end of the year SiGMA is stepping up its game with a virtual, interactive summit geared towards the European

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时间去交流。

的面貌上，网站内容以10种语言提供。这种更 多文化的前景，反映了我们对快速变化的市场 动态的理解，以及更广泛的前景的价值。 今年年底，SiGMA将举办面向欧洲市场的虚拟 互动峰会，以加强其版图。我们将利用尖端技

market. We’re leveraging cutting-edge technology to bring our

术，让我们的代表与赞助商尽可能地接近真实

delegates and sponsors as close as possible to the real deal.

的交易。

Until then, say safe.

到时候见，请保安康。完

| #AIBCsummit

Issue 5

INTRODUCTION 简介 CATAGORY

Eman Pulis, Founder of SiGMA Group

Issue 5

#AIBCsummit | 9

Connected, Informed, and Safe 连通, 知情, 安全 MALTA’S MINISTER FOR HEALTH, CHRIS FEARNE, WRITES ABOUT MALTA’S VISION TO ENABLE THE DIGITAL TRANSFORMATION OF HEALTHCARE - LEAVING NO ONE BEHIND. 马耳他的愿景是实现医疗服务的数字化转型，不让一个人掉队。

I

n the past months of the pandemic, med tech faced a

在过去几个月的疫情中，由于选择性干预的数量减

number of challenges due to the reduced amount of elective

少，医疗技术面临着一些挑战，但在一些领域，

interventions, but it also experienced immense growth in some

如数字健康、远程医疗、机器人和可穿戴设备等领

areas such as Digital Health, Telemedicine, Robotics and Wearables.

域，却也经历了巨大的增长。马耳他也经历了这种

Malta also experienced this growth and there is truly no going back

增长，而且确实没有回头路。事实上，我们已经在

from this. In fact, we’ve kicked off the very first Telemedicine Centre in

马耳他初级保健的支持下，启动了马耳他第一个远

Malta under the auspices of Primary Healthcare Malta with more than 100,000 consultations under our belt in less than 6 months.

We’re also working tirelessly to introduce inpatient prescribing at Mater Dei Hospital through Mario, our robotic pharmaceutical dispensing machine and SOFIA, the companion software that enables the prescribing decisions of doctors and nurses at Mater Dei Hospital. In fact, we’re currently underway with the implementation of the SOFIA inpatient prescribing system at Mater Dei Hospital supported by the deployment of 17 Robotic Dispensing Machines. We plan to fully deploy them by 2021.

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程医疗中心，在不到6个月的时间里，咨询量超过 了10万次。 我们还在不懈努力为Mater Dei医院引入住院病人 处方，通过Mario——我们的机器人配药机，以及 SOFIA——配套软件，协助Mater Dei医院的医生 和护士做出处方决定。事实上，我们目前正在实施 SOFIA住院处方系统，并部署了17台机器人配药机 作为支持。我们计划到2021年全面部署这些机器。

Our vision is to help doctors and nurses prescribe and dispense the right

我们的愿景是帮助医生和护士按照正确的剂量开出

medicine at the right dosage, and potentially eliminate all human error.

处方，并配出正确的药物，同时有可能消除所有人

We have also fully implemented the use of Robotic Surgery for prostate-

为错误。我们还全面实施了前列腺相关手术中的机

related surgery, and we are looking to further expand this service to

器人手术应用，并希望将这项服务进一步扩展到妇

gynaecology, liver and ear, nose and throat surgery.

科、肝脏和耳鼻喉手术。

| #MedCannWorld

Issue 5

FEATURE 专题报道

Issue 5

#MedCannWorld | 11

When thinking about med tech, especially in 2020, the travelling of data and information in between different health information systems has become all the more prominent. In the past year we have taken important and challenging decisions to enable the digital transformation of healthcare through the implementation of numerous projects, namely the Electronic Patient Record for Primary Healthcare. The turnaround and implementation of this system happened at an unprecented speed. It kicked off before COVID-19 and by May we had the Electronic Patient Record in more than 60 locations. We have already recorded more than 1 milllion patient encounters since its launch last November.

Public Health also embraced the digital transformation accelerated by the COVID-19 pandemic by deploying several technologies in record times such as COVID-19 Check, a symptom checker to assess your risk for COVID-19, Go.Data, a WHO Outbreak Management System used by more than 40 countries world-wide and COVID Alert Malta, Malta’s official proximity tracing app.

In fact COVID Alert Malta was designed, developed, and delivered together with the Malta Information Technology Agency, a nationwide digital proximity tracing app in less than 6 months supported by a legal framework and robust information security

在思考医疗技术时，尤其是在2020年，不同医疗信息系统之间的数据 和信息传递变得更加显著。过去一年里，我们做出了重要而富有挑战性 的决定，通过实施众多项目，即基层医疗电子病历（Electronic Patient Record for Primary Healthcare），实现医疗的数字化转型。这个系统的 处理与实行正以前所未有的速度发生。它在疫情爆发前启动；5月时，我 们已经在60多个地方安装了电子病历。自去年11月启动以来，我们已经

“ Our vision is to help doctors and nurses prescribe and dispense the right medicine at the right dosage, and potentially eliminate all human error ”

记录了超过一百万次的病人经历。 公共卫生部门也接受了因疫情而加速的数字转型，在创纪录的时间内部 署了多项技术，如新冠肺炎检查（一个评估新冠肺炎风险的症状检查 器）、Go.Data（全世界40多个国家使用的世卫组织疫情管理系统）以 及COVID Alert Malta（马耳他官方的近距离追踪应用程序）。 事实上，COVID Alert Malta是与马耳他信息技术机构一起设计、开发和 交付的，在不到6个月的时间里，在法律框架以及强大的信息安全审计支 持下，推出了一个全国性的数字近距离追踪应用程序。最重要的是，我 们的目标是提供最高水平的透明度，在一个公开的开源代码仓库提供我 们的代码。通过这种完全公开透明的方式，我们在不到5天的时间里就达 到了6万次下载，涵盖大约12%的人口。

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| #MedCannWorld

Issue 5

FEATURE 专题报道

audit. Best of all we’re aiming for the highest level of transparency by making our code available in a publicly available open-source repository. With this fully open and

“我们的愿景是帮助医 生和护士按照正确的剂 量开出处方，并配出正 确的药物，同时有可能 消除所有人为错误”

transparent approach, we’ve managed to reach 60,000 downloads in less than 5 days relating to approximately 12% of the population.

In the past 7 years, through the CONvErGe and Mapping Tomorrow EU-Funded Projects, the Government of Malta has accelerated the digital transformation of multiple sectors and this has had an immense impact on health. Here, we are looking towards a future where using paper documents to manage your health will be truly a thing of the past.

This October the Med Tech and Med Cann Summit are happening at the right time and at the right place. The unprecedented growth of med tech is still taking place despite the challenges of the COVID-19 pandemic and the shifts towards crisis-oriented interventions and telemedicine. We are looking towards a future where we will see an increased demand for dynamic critical care models, enhanced virtual care using connected solutions and reinventing the way that we prepare for nosocomial threats and infection control.

在过去的7年里，马耳他政府通过CONvErGe以及Mapping Tomorrow欧盟资助的项目，加快了多个部门的数字化转 型，这对卫生领域产生了巨大的影响。在这里，我们正在 展望一个未来，使用纸本文件管理健康的做法将真正成为 过去。 今年10月的MedTech和MedCann峰会的举办恰逢其时其

In the local community, we have noted a rising demand in

地。尽管面临着新冠病毒大流行的挑战，以及转向危机导向

patient engagement with the number of users on myHealth

的干预与远程医疗，医疗技术仍以前所未有的速度增长。我

getting closer to the 100,000 mark, and this is truly reflective

们正在展望一个未来，在那里，我们将看到对动态重症护理

of the direction that the Med Tech Industry is heading

模式的需求增加，利用互联解决方案加强虚拟护理，并重塑

towards. We’re truly encouraged by the active and growing

我们应对院内威胁的准备以及感染控制的方式。

Digital Health Ecosystem powered by Non-Governmental Organisations such as Digital Health Malta, that also plays an

在本地社区，我们注意到患者参与的需求不断增

important role as one of the co-organisers of the Med Tech

加，myHealth的用户数量已接近10万大关，这也真实地反

Summit. And last, but not least, we look forward to seeing the

映了医疗技术产业的发展方向。Digital Health Malta等非政

ever-growing educational and research efforts happening at

府组织推动着数字健康生态系统的活跃和发展，让我们倍受

the University of Malta.

鼓舞，该组织作为MedTech峰会的协办方之一，也发挥了重

We are at an important juncture and through the concerted efforts of all the relevant stakeholders, including the private industry, Malta can be the med tech and digital health innovation hub, with its unique characteristics of being an English-speaking country, having direct connections within the European Union and the Commonwealth, and its excellent healthcare system, giving us the right competitive edge to succeed. Through this, we can embrace the vision of digital health and med tech for all and not just the few.

要作用。最后，但也同等重要的，我们期待看到马耳他大学 不断发展的教育和研究工作。 我们正处于一个重要的关口，通过包括私营企业在内的所有 相关利益方共同努力，马耳他可以成为医疗技术和数字健康 创新中心，运用其独特的特点：英语系国家、与欧盟和英联 邦有直接的联系、拥有优秀的医疗系统，这些都使我们具有 成功的竞争优势。通过这一点，我们可以实现这个愿景—— “数字健康和医疗技术是为所有人服务，而不是少数人”。

Issue 5

#MedCannWorld | 13

THE MEDICAL CANNABIS VALUE CHAIN 医用大麻价值链

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| #MedCannWorld

Issue 5

Q&A 问答

STUART LAMBIE, WHO ACTS AS STRATEGIC ADVISOR FOR MEDICAL CANNABIS EUROPE, SITS DOWN WITH BLOCK MAGAZINE FOR A LOOK AT THE CHALLENGES OF ESTABLISHING A PATIENT-FOCUSSED REGULATORY FRAMEWOWRK FOR MEDICINAL CANNABIS. STUART ALSO LENT HIS VOICE AS A VIP SPEAKER TO THE OCTOBER DIGITAL CONFERENCES FOR MED TECH AND MED CANN.

STUART LAMBIE，现任 MEDICAL CANNABIS EUROPE 战略顾问，与《BLOCK》杂 志一起探讨了建立以患者为中 心的药用大麻监管框架的挑 战。STUART在10月份的MED TECH和MED CANN数字会议上 还以VIP演讲者身份发言。

TELL US A BIT ABOUT THE NON-PROFIT MOVEMENT

告诉我们一些关于非营利性运动Medicinal

MEDICINAL CANNABIS EUROPE AND WHAT IT HOPES TO

Cannabis Europe的情况，以及它希望在未来几年

ACHIEVE OVER THE NEXT COUPLE OF YEARS.

内实现的目标。 内实现的目标 。

Medicinal Cannabis Europe is the only pan-European multi-

Medicinal Cannabis Europe是唯一的泛欧洲多方

stakeholder organisation that aims for patients’ fair access

利益相关者组织，它汇集了患者、学术界、科学界

to safe, high-quality medicinal cannabis. It brings together

以及产业界的力量，旨在让得以患者公平地获得安

patients, academics, scientific communities, as well as industries. It aims to achieve patients’ fair access via the establishment of a regulatory framework at European level that would harmonise the production, distribution and use of

全、优质的药用大麻。它的目标是通过在欧洲层面 建立一个监管框架，协调大麻治疗的生产、销售和 使用，实现患者的公平使用。

cannabis-based treatments.

欧洲各地的医用大麻立法是否缺乏统一性？

IS THERE A LACK OF HARMONISATION OF LEGISLATION

是的。事实上，各成员国对医用大麻的许可、生

GOVERNING MEDICINAL CANNABIS ACROSS EUROPE?

产、分销和获取进行了监管。在整个欧盟，医用大

Yes. In fact, Member States regulate the licensing,

麻的相关立法十分零散。这种缺乏统一性的情况不

production, distribution and access to medicinal cannabis.

利于患者获得医用大麻，也妨碍了对医用大麻的益

Across the EU, the legislation governing medicinal cannabis

处进行适当的研究和创新，并阻碍了欧洲医用大麻

is fragmented. This lack of harmonisation is detrimental

领域的发展。例如，一个国家可能允许开立大麻药

for patients’ access, and it also precludes proper research

物的处方，但对国内生产却没有任何规定。这样一

and innovation on the benefits of medicinal cannabis and

来，患者就不得不依赖国外的供应，从而导致药品

hinders the development of the European medicinal cannabis

成本上升。这个例子也凸显了，当某个国家依赖国

sector. For instance, one country would allow prescription of medicinal cannabis but would not have any regulation in place for domestic production. Patients would then be obliged to rely on supply coming from abroad, which leads to

际供应商，若这些供应商减少生产，或在运输原料 产品时面临监管障碍，这会造成短缺并直接影响患 者接受治疗的能力。

a higher cost of the medicines. This example also emphasises that a given country can be dependent on international suppliers, who may reduce their production or face regulatory hurdles for shipping their raw products, causing shortages which directly affect patients’ ability to get their treatment.

Issue 5

#MedCannWorld | 15

WHAT ARE THE KEY CHALLENGES THE MEDICAL

cannabis applications. Beyond research, healthcare

CANNABIS VALUE CHAIN FACES WITHIN THE

professionals also need to be trained and educated on the

EUROPEAN UNION?

already existing scientific evidence on medicinal cannabis.

Patients are mainly struggling with accessibility and affordability of cannabis-based treatments, while the industry needs to adapt to different, fragmented rules and standards which hinder the smooth running of the EU internal market. Funding for research on medicinal cannabis is also limited within the EU, and that affects the

In this regard, some Medicinal Cannabis Europe’s members are actively involved in initiatives to train doctors and nurses, to develop knowledgeable medical professionals who could include cannabis-based medicines as part of a patient’s treatment for certain conditions (e.g. epilepsy, pain alleviation, fibromyalgia).

ability of the scientific community to tap into the potential of cannabis-based treatments through new scientific evidence. Medicinal Cannabis Europe voices the concerns of the value chain towards EU decision-makers and advocates for a set of clear, minimum rules in the European Union.

A NUMBER OF POLICY MAKERS HAVE BEEN CALLING ON THE EU TO ENSURE FAIR PATIENT ACCESS TO MEDICINAL CANNABIS IN EUROPE WHERE DO WE STAND?

“ Patients are mainly struggling with accessibility and affordability of cannabisbased treatments ”

In February 2019, the European Parliament adopted a resolution on the use of cannabis for medicinal purposes.

The Parliament urged the European Commission and Member States to facilitate fair access to cannabis-based medicines, to agree on a common definition of medicinal cannabis and to boost research and innovation to develop more scientific evidence.

In April 2019, Medicinal Cannabis Europe launched a Policy Pledge addressed to Members of the European Parliament (MEPs) which calls for the establishment of a harmonised European regulatory framework and for the allocation of EU funding for research on medicinal cannabis. We have seen an increased support from MEPs from across the political spectrum over the past few months, but a lot remains to be done! In this context, on 13 October, MEPs Frédérique Ries, Tilly Metz and Alex Agius Saliba together with Medicinal Cannabis Europe will host a conference at the European Parliament to address the next steps and pave the way towards a European approach on medicinal cannabis.

16

WHAT KEY CHANGES TO THE MEDICAL CANNABIS SECTOR ARE GOING TO DEFINE THE NEXT FEW YEARS PARTICULARLY IN TERMS OF REGULATION? At international level, there are ongoing negotiations to amend some cannabis classifications under the 1961 Single Convention on Narcotic Drugs. In particular, one recommendation suggests removing cannabis and cannabis resin from Schedule IV of the Convention, which includes substances liable to produce ill-effects and have little or no therapeutic use. If this recommendation passes, it would be an official acknowledgment of the therapeutic potential of cannabis at international level, hopefully opening the doors to more research on the topic. At EU level, there are several upcoming health-related initiatives where medicinal cannabis could play a role. For instance, the EU Beating Cancer Plan – expected by the end of the year – would encompass measures to improve the quality of life of cancer patients. The benefits of cannabis-based

WHY DO YOU THINK THERE IS SUCH MISTRUST SHOWN

medicines to alleviate the side-effects of cancer treatments

BY MEDICAL PROFESSIONALS WHEN IT COMES TO

(e.g. nausea, lack of appetite) should be recognised and

PRESCRIBING CANNABIS-BASED MEDICAL PRODUCTS?

further promoted within the Plan.

Many healthcare professionals argue that there is not

We are strongly convinced that step-by-step, with the

enough scientific evidence to substantiate and justify the

cooperation among the different players of the value chain

safe prescription of medicinal cannabis as a treatment. In

and the support of policymakers, we will make tremendous

this regard, the allocation of research funds is paramount

steps ahead in ensuring patients’ fair access to cannabis-

to identify and demonstrate the benefits of medicinal

based treatments!

| #MedCannWorld

Issue 5

Q&A 问答

在欧盟内部，医用大麻价值链面临的主要挑战是什么？ 患者主要为了大麻治疗的可及性与负担能力感到挣扎；产业则需

哪些关键变化将定义医用大麻领域未来几年的发展——特别是在 监管方面？

要适应不同且分散的规则与标准，它们阻碍了欧盟内部市场的平

在国际层面，目前正在进行修订《1961年麻醉品单一公约》中部

稳运行。欧盟内部对医用大麻的研究资金也很有限，这使得科学

份大麻分类的协议。特别的是，有一项建议建议将大麻和大麻树

界通过新的科学证据挖掘大麻治疗潜力的能力受影响。Medicinal

脂从《公约》附表四中删除，该附表条列可能产生不良影响以及

Cannabis Europe向欧盟决策者表达了对价值链的关切，并呼吁

很少或没有治疗用途的物质。如果这项建议获得通过，这将是国

欧洲联盟制定一套明确的最低规则。

际上正式承认大麻的治疗潜力，有望打开进行更多相关研究的大

一些政策制定者不断呼吁欧盟确保患者公平地获得欧洲的医用大 麻——立场是什么？

门。在欧盟层面，即将出台的几项与健康有关的举措中，医用大 麻可能扮演重要角色。例如，欧盟的 “战胜癌症计划”——预计 将于今年年底出台——将包括改善癌症患者生活质量的措施。大

2019年2月，欧洲议会通过了一项关于大麻医用的决议。议会敦

麻药物对减轻癌症治疗副作用（如恶心、食欲不振）的好处应得

促欧盟委员会与各成员国促进大麻药物得以公平取得，在医用大

到承认，并在该计划中进一步推广。

麻的共同定义上达成一致，并推动研究和创新，以发展更多科学 证据。 2019年4月，Medicinal Cannabis Europe向欧洲议会成员

我们坚信，通过价值链不同参与者的合作以及决策者的支持，在 确保患者公平获得大麻治疗的这条路上，我们将逐步迈出巨大 步伐！

（MEPs）发起了一项政策承诺，呼吁建立一个统一的欧洲监管 框架，同时分配欧盟资金给医用大麻的研究。过去的几个月里， 我们看到越来越多来自各政治派别的MEPs表达支持，但仍有许 多工作要做！在此背景下，10月13日，欧洲议会议员Frédérique Ries、Tilly Metz和Alex Agius Saliba将与Medicinal Cannabis Europe一同在欧洲议会举办一场会议，讨论下一步，并为欧洲的 医用大麻铺路。

“患者主要为了大麻治疗的可 及性与负担能力感到挣扎” 您认为医疗专业人士在开具大麻类医疗产品处方时，为何会表现 出如此的不信任？ 许多医疗专业人员认为，没有足够的科学证据来证实与证明医用 大麻得以作为一种治疗的安全处方。于此，研究资金的分配对于 确定和证明医用大麻应用的好处是至关重要的。除研究外，还需 要对医疗专业人员进行现有医用大麻科学证据的培训和教育。在 这方面，Medicinal Cannabis Europe的一些成员积极参与培训医 生和护士的行动，以培养知识渊博的医疗专业人员，使他们能够 将医用大麻纳入作为患者某些病症（如癫痫、止痛、纤维肌痛） 的疗程一部分。

Issue 5

#MedCannWorld | 17

SUSTAINABILITY

THE UNDISPUTED FUTURE OF CANNABIS 可持续性 大麻不容置 疑的未来

18

| #MedCannWorld

Issue 5

FROM BIODEGRADABLE JOINT TUBES, TO SUSTAINABLE CANNABIS CULTIVATION, LAETITIA BRADAMANTE DIVES INTO THE SUITABILITY TREND ON THE HORIZON WITHIN THE MED CANN INDUSTRY FOLLOWING A MOVEMENT FOCUSSED ON HEALTH AND SOCIAL RESPONSIBILITY. 从可生物降解的套管，到可持续的大麻 种植，LAETITIA BRADAMANTE在专 注于健康和社会责任的运动之后，深入 探讨了医用大麻产业内的适用性趋势。

OPINION 意见

T

he pandemic and the climate change crisis have

疫情与气候变化危机毫无疑问地给大家敲响了警钟，让

undoubtedly acted as a wakeup call for everyone to

大家反思我们的生活方式，最重要的是反思我们的健康

reflect on how we live our lives, and, most importantly,

和福祉。随着大麻市场的成熟以及消费群体的扩大，预

our health and wellbeing. As the cannabis market matures, and

计大麻、CBG和CBD产业将出现繁荣，随之而来的是对

the consumer base widens, a boom in the hemp, CBG and CBD

可持续大麻的需求增加。

industries is forecasted; and along with it, an increase in demand for sustainable cannabis.

This demand hasn’t been a surprise as the industry has noticed a more educated and savvier consumer; demanding green and ethical products and reduced wasteful practices in suppliers.

‘Organic, clean and natural’ is the universal saying adopted by

这种需求并不意外，因为该产业已经注意到了一群更有 教养且更精明的消费者：他们要求绿色且道德的产品， 减少供应商的浪费行为。”有机、干净与天然”是消费 者普遍采用的说法，因为他们比以往任何时候都更有社 会责任感。

customers as they are more socially responsible than ever.

WAFBA的Morris Beegle告诉《福布斯》，由于新冠

WAFBA’s Morris Beegle tells Forbes that due to COVID-19 “more

疫情，“对于健康和保健将会有更多强调，吃好的食

emphasis will be placed on health and wellness, eating good

物，服用营养补充剂。”他继续说道:“ 我看见在未

foods, and taking nutritional supplements”. He continues, stating:

来几个月和几年内，大麻超级食品与补充剂，包括

“I see hemp superfoods and supplements that include CBD, CBG,

CBD，CBG，全谱与广谱提取物，将找到方式进入越来

full and broad-spectrum extracts will find their way into more and

越多的人的饮食中。”

more people’s diets over the coming months and years”.

“ Greater adoption of renewable energy sources within cannabis companies is expected, including facilitates running on solar energy, hydro-energy, and windmills at rural cannabis operations ”

“可以预期到，大麻公司 将更多地采用可再生能 源，包括在农村的大麻 经营中采用太阳能、水 能和风车等便利条件” 在谈到产业朝向可持续发展大麻转变时，Aster Farms 的Sam Ludwig评论说：“ 普通用户将更加挑剔，关心 他们花钱购买的大麻产品是由谁、在哪里以及如何生产 的”，《福布斯》报道。

While discussing the shift towards sustainable cannabis, Aster

Aster Farms是一家位于加州奥克兰的可持续发展大麻公

Farms’ Sam Ludwig comments, saying: “the average user will be

司，它的口号是 “最干净、最挑剔、最绿色”。让自然

more discerning, caring about who, where and how the cannabis

来做这件事，Ludwig指出，在2019年的电子烟恐慌爆发

products they spend their money on are produced,” Forbes reports.

后，确保对客户的透明度，以及种子到种子的质量控制

Aster Farms is a sustainable cannabis company based in Oakland,

是至关重要的。

California, and embodies the mantra ‘The cleanest, meanest and greenest around’. Letting nature do the work, Ludwig notes that ensuring transparency with their customers and seed-toseed quality control is essential following the recent vape scare erupting back in 2019.

Issue 5

#MedCannWorld | 19

The cannabis industry is known to have an unfortunately large carbon footprint, particularly indoor cannabis, which will continue to grow as demand increases.

Thus, what sustainable practises could we see in the future to address this problem? Arguably, at the forefront is the push for sun grown cannabis, as opposed to indoor cannabis cultivation that’s often associated with

众所周知，很遗憾地，大麻产业的碳足迹很大，特别是

a superior cannabis. However, this couldn’t be further from the truth as

室内大麻，随着需求的增加，碳足迹将继续增长。

sungrown cannabis can be just as good, if not better, than indoor cannabis.

Not only can the quality of cannabis be superior, but this cultivation method is also a cheaper alternative. In the words of Ludwig himself,

所以，未来我们可以看到哪些可持续的做法来解决这个 问题？可以说，走在最前面的是推动阳光下种植的大

sungrown cannabis “is the best way to express the plant’s full cannabinoid

麻，取代经常被联想为高级大麻的室内大麻种植。然

profile” Forbes reports.

而，阳光种植的大麻可以和室内大麻一样好，甚至更 好。不仅大麻的质量可以更优，而且这种种植方法也是

“ It is essential for med can companies to put people, sustainability and innovation at the centre of their operations ”

一种更便宜的选择。用Ludwig自己的话来说，阳光种植 大麻 “是彰显植物完整大麻素特征的最佳方式”，《福 布斯》报道到。

“医用大麻公司必须将 人、可持续发展和创新 作为其运营的核心”

Energy usage is one of the major concerns surrounding cannabis cultivation.

Greater adoption of renewable energy sources within cannabis companies is expected, including facilitates running on solar energy, hydro-energy,

能源使用是大麻种植的主要问题之一。可以预期到，大

and windmills at rural cannabis operations. New Zealand-based medical

麻公司将更多地采用可再生能源，包括在农村的大麻经

cannabis company ‘Greenfern Industries’ has launched an initiative to grow

营中采用太阳能、水能和风车等便利条件。总部设在新

medical grade cannabis indoors using renewable hydro-energy.

西兰的医用大麻公司 “Greenfern Industries”已经发

A further option cannabis growers are gravitating towards in order to mitigate their energy costs is using greenhouses. New Frontier Data

起了一项利用可再生水力能源在室内种植医用级大麻的 倡议。

reports that 60% of electricity used by suppliers goes towards indoor

为了降低能源成本，大麻种植者也倾向于选择使用温

facilities while only 37% goes towards greenhouses.

室。New Frontier Data报告称，供应商使用的60%的电

Reduced growing costs not only benefits the supplier and the environment,

力在于室内设施，而温室只占37%。

but also the consumer as prices become more affordable.

Another concept bracing cannabis cultivation companies are recyclable packaging and biodegradable materials. In a bid to ensure packaging is more eco-friendly, companies have opted for paper and glass as opposed to plastic; reducing waste and reusing materials.

降低种植成本不仅有利于供应商和环境，也有利于消费 者，因为价格会变得更加实惠。 另一个支撑大麻种植公司的概念，是可回收包装和可生 物降解材料。为了确保包装更加环保，公司选择了纸和 玻璃，而不是塑料，并且减少浪费且重复使用材料。

The push for sustainable CBD bridges the gap between the medical

20

world and the environment. In an industry with a notoriously large

推动CBD的可持续发展，弥补了医学界与环境之间的差

carbon footprint, it is essential for Med Cann companies to put people,

距。在一个众所皆知碳足迹大的产业中，医用大麻公司

sustainability and innovation at the centre of their operations.

必须将人、可持续发展和创新作为其运营的核心。

| #MedCannWorld

Issue 5

Q&A 问答

FINDING THE BALANCE

寻找平衡

THE BLOCKCHAIN ISLAND WAS, AND PERHAPS STILL IS, A FAR-REACHING BRAND FOR MALTA, ALTHOUGH IT HASN’T BEEN WITHOUT ITS HICCUPS. JEREMY MICALLEF SPOKE WITH JOSEPH BORG, A PARTNER AT WH PARTNERS, ON HOW WE SHOULD WORK TOWARDS STRIKING THE RIGHT BALANCE BETWEEN INNOVATION AND REGULATION.

区块链岛对于马耳他来说曾经是， 或许现在仍然是一个意义深远的 品牌，尽管它曾经历过一些小波 折。WH Partners的合伙人Joseph Borg与Jeremy Micallef进行交流， 分享了我们应该如何努力在创新和 监管之间取得正确的平衡。 Issue 5

#AIBCsummit | 21

WE’VE HEARD A LOT ABOUT VFA LICENSING OVER THE LAST

INVERSELY, MOVEMENT IN THE AREA OF MDIA CERTIFICATION

YEAR. IN WHAT POSITION DO YOU SEE MALTA RIGHT NOW, AND

HAS BEEN RELATIVELY QUIET. WHAT CAN YOU TELL US ABOUT

WHERE DO YOU SEE IT GOING?

THIS SECTOR OF TECH?

We have seen quite a few jurisdictions trying to regulate

The framework around the certifications was a longshot in

cryptocurrency service providers. Regulation, in itself, is a

itself. It comes close to breaching a principle that should

complex matter because one would need to achieve a balance

never be breached, i.e. Never regulate technology. However,

between the protection of customers and rendering the

the concept behind it is laudable. Unfortunately, the

framework workable for the licences. Most jurisdictions fail

implementation left much to be desired. The framework, went

to achieve that balance. Once that is achieved, the regulatory

a little bit overboard, particularly when it comes to its depth as

framework brings with it massive advantages, both for the

well as its cost. Probably, the costs involved in getting certified

operators that are regulated under that framework, as well as

was what scarred mostly the potential of this framework.

the customers that are protected by that framework.

However, the costs are also partly attributable to the

Let’s focus on operators. Nowadays it is very difficult to

disproportionate depth of the framework. There is still a

conduct a business that involves holding customers’ money if

possibility of saving this framework as long as the authorities

that business is not regulated in some form or fashion. It will

are prepared to mellow down, the framework in a way that

be very difficult to find banks ready to accept your cash, it will

makes it easier for operators to achieve the standards

be very difficult to reach agreements with a certain level of

required, as well as making it cheaper for stakeholders to

business partners and it will be extremely difficult to achieve

achieve certification.

mainstream adoption. So initially businesses will be reluctant to get regulated because, let’s face it, regulation will stifle innovation a little bit. However, once regulatory frameworks with the right balance are available, businesses will adapt.

“ Once regulatory frameworks with the right balance are available, businesses will adapt ”

JUST RECENTLY, IN JUNE, THE MGA PUBLISHED AMENDMENTS TO THE SANDBOX REGULATORY FRAMEWORK. WHAT IMPACT DO YOU BELIEVE THIS WILL HAVE ON THE SPACE, AND IS THERE ROOM FOR IMPROVEMENT? The main issue with the MGA sandbox is that unless you are accepting the cryptocurrencies through a licenced service provider, you can only accept up to €1000 per user per month in deposits. The only solution to this was to accept cryptocurrencies through a third party who had a licence from an EEA member state, equivalent to an MFSA VFA licence. One particular change that was quite shocking was that this has now been limited to those operators that are licenced by the MFSA. For the past 20 years, the MGA has always advocated for

The Maltese framework focusses on four major principles which include corporate governance, anti-money laundering, cybersecurity and consumer protection. These four principles should be at the centre of every regulatory framework that intends to regulate cryptocurrency service providers. There are two reasons why it wasn’t as successful as expected. First of all, it was hyped too much and that raised expectations beyond reason. Secondly, certain parts of the framework were based too much on existing frameworks dealing with financial services.

The proposed harmonisation across the European Union will resolve these issues and Malta will be perfectly placed to attract business in the space due to its first mover advantage.

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Issue 5

freedom to provide services across the EEA and I find it very strange that it is imposing this barrier for this particular matter.

For the rest, the easing of limitations we were hoping for, that will be imposed on operators wishing to make use of blockchain technology within their gaming platform, has not happened. In fact, anyone that wishes to operate blockchain within its gaming platform needs to obtain MDIA certification beforehand. Since the MDIA framework is very onerous as discussed above, it consequently makes complying with the sandbox requirements too onerous for operators to even bother.

Q&A 问答

在过去的一年里，我们听到了很多关于VFA许可的消息。

反过来说，MDIA认证领域的动向一直比较平静。您能告

您认为马耳他现在处于什么样的位置，它的发展方向是

诉我们关于这个科技领域的情况吗？

什么？

围绕着认证的框架，本身就是一个漫长的过程。它险些

我们看到不少司法管辖区都在尝试监管加密货币服务提

违背了一个永远不应该违背的原则，即永远不要对技术

供商。监管，本身就是一个复杂的问题，因为需要在保

进行监管。然而它背后的概念是值得称赞的。遗憾的

护消费者以及牌照框架的可行之间取得平衡。大多数司

是，在实施过程中，却留下了很多不足之处。这个框架

法管辖区未能实现这种平衡。一旦实现了这点，监管框

走得有点过头了，尤其是当涉及到它的深度以及成本的

架就会为在该框架之下受监管的运营商以及受其保护的

时候。也许，获得认证所涉及的成本是这个框架潜力的

消费者带来巨大的好处。

最大伤疤。

我们重点说一下运营商。如今，如果一项涉及持有消费

然而，成本也部分归因于该框架的深度不成比例。只要

者资金的业务没有受到某种形态或方式的监管，就很难

当局准备采用 一种使运营商更容易合乎所需标准、使利

开展这项业务。要找到准备好接受你的现金的银行会非

益相关者获得认证成本更低的方式，这个框架仍有挽救

常困难；要与一定级别的商业伙伴达成协议会非常困

的可能性。

难；要被大规模采用会非常困难。一开始企业会不愿意 接受监管，因为，面对现实吧，监管会一点点扼杀创 新。然而，一旦有了适当平衡的监管框架，企业就得以 适应。

就在最近，6月，MGA公布了对沙盒监管框架的修订。您 认为这将对该领域产生什么影响，是否有改进的空间？ MGA沙盒的主要问题是，除非你是通过持牌服务商接受 加密货币，否则每个用户每月最多只能接受1000欧元

“一旦有了适当平衡的监管 框架，企业就得以适应”

的存款。唯一的解决办法，就是通过拥有欧洲经济区成 员国牌照的第三方接受加密货币，相当于MFSA的VFA牌 照。有一个特别的变化是相当令人震惊的，那就是修订 的内容现在已经仅限于那些获得MFSA牌照的运营商。 过去20年，MGA一直主张在欧洲经济区自由提供服务，

马耳他的框架集中在四大原则上，其中包括公司治理、

对于其在这件事上设置这个障碍，我觉得很奇怪。

反洗钱、网络安全和消费者保护。这四项原则应该是每

至于其他方面，我们过去希望对想在其游戏平台中使用

个打算监管加密货币服务提供商的监管框架的核心。有

区块链技术的运营商放宽限制，这并没有发生。事实

两个原因导致它不像预期的那样成功。首先，它被炒作

上，任何希望在其游戏平台内运营区块链的人，都需要

得太多，这让人们的期望值超出了合理范围。其次，该

事先获得MDIA认证。如前所讨论的，由于MDIA框架非

框架的某些部分过度基于处理金融服务的现有框架。拟

常繁琐，这使得遵守沙盒要求对运营商来说甚至连试都

议的欧盟范围内的协调将解决这些问题，而马耳他由于

不愿试。

其先发优势，将完全有能力吸引该领域的业务。

Issue 5

#AIBCsummit | 23

MALTA: DIGITAL REBOOT 数字重启

MALTA’S JUNIOR MINISTER FOR FINANCIAL SERVICES AND DIGITAL ECONOMY, THE HON. CLAYTON BARTOLO IS LEADING THE CHARGE ON BUILDING UP A KNOWLEDGE-BASED GENERATION AS MALTA EMBRACES DIGITISATION. HE SITS DOWN WITH KATY MICALLEF. 马耳他金融服务和数字经济部部长 Clayton Bartolo在马耳他拥抱数字化的过程 中，正带头培养以知识为基础的世代。他坐下来与Katy Micallef进行分享。

24

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COVER STORY 封面故事

Issue 5

#AIBCsummit | 25

LET’S TALK ABOUT MALTA’S NATIONAL STRATEGY IN DIGITAL

government kicked off a scholarship fund for students that wish

INNOVATION, WHERE DO WE STAND?

to pursue studies on AI. The scholarship fund is not limited to

Back in 2018, the government launched the Malta AI Task Force, which was entrusted with the development of a National AI Strategy, the aim being that of laying the foundation to position Malta as a centre for excellence for AI, including deployments of AI-based systems and AI specific enhancements to Malta’s

students from computer science and engineering backgrounds only but will include students from different fields of study, including but not limited to: Legal and Management. This goes hand-in-hand with our strategy of preparing the complete digital transformation of our public institutions.

Innovative Technology Regulatory Framework.

Subsequently, in March 2019, a policy document was launched by the Malta AI Task Force. The main aims were to set out the focus of national resources across both the public and private sectors to ensure that the Maltese economy and citizens fully participate in, benefit from and where necessary, are protected from a new global economic and social landscape influenced, if not reshaped, by AI. The strategy builds on three strategic pillars, which are investment, start-ups and innovation, public sector adoption and private sector adoption. Underpinning these pillars are three enablers that cut across all aspects of the National AI Strategy, being education and workforce, ethical and legal and ecosystem infrastructure.

In terms of the investment, start-ups and innovation pillar, the

“ Education will be a crucial tool to build up a “knowledge-based” generation. Maltese legislation is not only already proactive in the sector, but ahead of current legislation being discussed at EU level ”

strategy sets out initiatives to generate investment and position the country as a hub for AI application and niche areas of research and development. The government has started working

HOW ARE YOU LOOKING TO STRENGTHEN MALTA’S APPEAL AS

on 5 ambitious applied use-cases of AI in the fields of tourism,

A HUB FOR FOREIGN INVESTMENTS IN THE TECH SECTOR?

water and energy management, traffic management, education

Being a reputable jurisdiction in the gaming sector,

and decreasing bureaucracy.

complimented by a strong and effective ecosystem, puts us on

Following the launch of the National AI Strategy, the Malta Digital Innovation Authority (MDIA) published for consultation: the AI

expand their operations here in Malta.

Innovative Technology Arrangements (ITA) Guidelines, the AI

Through Identity Malta Agency we have the “Key Employee

System Auditor Control Objectives, the AI ITA Nomenclature and

Initiative” that embraces persons working in the tech-industry

the AI ITA Blueprint Guidelines.

to fast track procedures when applying for dual residency or an

CAN YOU EXPAND ON SOME OF THE STRATEGIC INITIATIVES LINKED TO THIS, SUCH AS SOME OF THE GRANTS SET UP TO BOOST INNOVATION AND SUPPORT EDUCATION?

26

the forefront of attracting more tech companies to reside or

employment permit. We also have tax incentives directly aimed at tech specialists should they choose to reside their operations locally. Notwithstanding the pandemic, the government has embarked on an infrastructural investment programme for the

Education will be a crucial tool to build up a “knowledge-based”

coming 8 years. This will include the upgrading of a Business

generation. It’s the greatest legacy we can leave for our children

Incubation Centre and a new Logistics Hub that will involve a

and youths, beyond any monetary prestige. In recent months, the

capital investment of €110 million.

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Issue 5

COVER STORY 封面故事

让我们来谈谈马耳他在数字创新方面的国家战略，我们的立场是什么？ 早在2018年，政府就启动了马耳他人工智能任务组，委托其制定国家人工智能战略， 目的是为将马耳他定位为人工智能的卓越中心奠定基础，包括部署基于人工智能的系 统，以及人工智能对马耳他创新技术监管框架的具体提升。 随后，在2019年3月，马耳他人工智能工作组推出了一份政策文件。主要目的在于确 定涵盖公共和私营领域的国家资源重点，以确保马耳他经济和公民充分参与、受益， 并在必要时受到保护，免于受人工智能影响或重塑的新全球经济和社会格局。 该战略建立在三大支柱之上，即投资、创业与创新、公共部门采用以及私营部门采 用。支撑这些支柱的，是三个贯穿国家人工智能战略各个面向的推动因素，分别是教 育和劳动力、道德和法律以及生态系统基础设施。 在投资、创业与创新支柱方面，该战略提出了一些举措以产生投资，并将国家定位为 人工智能应用和利基领域的研发中心。政府已经开始在旅游、水与能源管理、交通管 理、教育还有减少官僚主义等领域开展5个雄心勃勃的人工智能应用用例。 在国家人工智能战略启动后，马耳他数字创新局（MDIA）发布了《人工智能创新技 术安排（ITA）指南》、《人工智能系统审计师控制目标》、《人工智能ITA命名法》 以及《人工智能ITA蓝图指南》，以征求意见。 您能否详细介绍一下与此相关的一些战略倡议，比如为促进创新和支持教育而设立的 拨款？ 教育将是培养 “知识型 “世代的重要工

“教育将是培养 “知识型 “一代的重要工具。这是 我们能够为孩子和年轻人 留下的最伟大的遗产，超 越了任何金钱上的声望”

具。这是我们能够为孩子和年轻人留下的 最伟大的遗产，超越了任何金钱上的声 望。最近几个月，政府启动了一项奖学金 基金，为有志于从事人工智能研究的学生 提供资助。 该奖学金基金不仅限于计算机科学和工程 背景的学生，还将包括（但不限于）法律 与管理等不同领域的学生。这与我们为公 共机构的全面数字化转型做准备的战略是 相辅相成的。

您打算如何加强马耳他作为科技领域外国投资中心的吸引力？ 作为在博弈产业享有盛誉的司法管辖区，再加上强大而有效的生态系统，我们吸引更 多科技公司前往马耳他居住或扩大运营方面走在前头。 通过马耳他身份识别局，我们有 “关键员工计划”，该计划接纳在科技产业工作的人 员，以便他们在申请双重居住权或就业许可时快速办理手续。我们也直接针对科技专 家提供税收优惠政策，如果他们选择在当地居住经营的话。尽管有这场疫情，政府已 展开未来八年的基础设施投资计划，包括提升商业楼宇的设备，以满足客户的需求。 这将包括针对一个企业孵化中心与一个新的物流中心的升级，这将涉及1.1亿欧元的 资本投资。

Issue 5

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“ Malta intends to keep up its commitment to remain a pioneer in the digital world and is heavily investing in digitising its operations through the introduction of AI and Blockchain technologies ”

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COVER STORY 封面故事

WHAT ARE THE GOVERNMENT’S PLANS TO SPEED UP MALTA’S

鉴于外面的激烈竞争，政府有什么计划来加快马耳他在DLT中

ROLE IN DLT GIVEN THE FIERCE COMPETITION OUT THERE?

的作用？

Malta intends to keep up its commitment to remain a pioneer in

马耳他将继续致力于保持在数字世界的先锋地位。马耳他政

the digital world. The Government of Malta is working on two main

府主要从两个方面着手。它正在通过引入人工智能和区块链

aspects. It is heavily investing in digitising its operations through

技术，大力投资于数字化运营，特别是在教育、能源管理、

the introduction of AI and Blockchain technologies, particularly in

交通管理和旅游领域。MDIA将在未来几个月内推出一个技术

the fields of education, energy management, traffic management,

沙盒，协助初创企业在各自的新兴市场推出服务。

and tourism. MDIA will be launching a technological Sandbox in the coming months that will assist start-ups to launch their services in the respective emerging markets.

THE MALTA ETHICAL AI FRAMEWORK WAS LAUNCHED LAST YEAR, WHAT ARE THE MAIN CONCERNS EMERGING TECH, SUCH AS AI AND BLOCKCHAIN ADOPTION IS FACING, HOW DEEP DO TRUST ISSUES RUN AND HOW CRUCIAL IS IT TO GET THE PUBLIC ON SIDE? AI is a powerful tool that will allow for new types of services,

“马耳他的立法不仅已 经在该领域积极主动， 而且领先于欧盟层面正 在讨论的现行立法”

to automate tasks allowing us to free up our time and make breakthroughs in new areas. However, AI systems are created by

马耳他道德人工智能框架于去年推出，人工智能和区块链等

feeding into them lots of data. Depending on the task it would require

新兴科技的应用主要面临哪些问题，信任问题有多深，对于

specific types of data.

Consider an AI system that will determine if you are granted a bank loan depending upon your income bracket, your place of birth, your hometown, your education and other factors. Such a system may discriminate against an individual because the AI system highlights that people of a certain demographic may be less likely to pay back their loan.

However, this is generalising. You know that you should be accepted for the loan, yet it was rejected for some reason beyond your control – because AI systems generalise. AI systems are biased according to the data they are fed. This is one primary concern within the AI sector with regards to ethical usage. Certainly AI will present a challenge in the labour market which thus needs to be upskilled or reskilled to harness the power of AI and IOT in a new digital era. We need to differentiate between Cryptocurrencies and Blockchain.

When it comes to Blockchain, it is to decentralize and build-up on immutability, transparency and security.

让公众接纳而言有多关键？ AI是一个强大的工具，它将允许新型的服务，自动化的任务让 我们腾出时间，在新的领域取得突破。然而，人工智能系统 的创建是通过向其输入大量数据。根据任务的不同，它将需 要特定类型的数据。 考虑一个人工智能系统，它将根据你的收入阶层、出生地、 家乡、教育程度和其他因素来决定你是否获得银行贷款。这 样的系统可能会歧视个人，因为人工智能系统会标注特定人 口结构的人，认为其可能不太可能偿还贷款。 然而，这是以偏概全。你知道你应该获得贷款，却因为一些 你无法控制的原因而被拒绝——由于AI系统的归纳。AI系统 会根据被喂养的数据而产生偏差。这是人工智能领域内关于 道德使用的一个主要问题。当然，人工智能将给劳动力市场 带来挑战，因此需要提高技能或重新培养技能，以便在新的 数字时代利用人工智能和物联网的力量。我们需要区分加密 货币和区块链。说到区块链，就是要去中心化，建立在不变

This is achieved in a way that data cannot be manipulated and by ensuring data cannot be forgotten. This raises concerns regarding

性、透明度和安全性上。

what can be done if personal data is stored in a blockchain and

要达到这点，就必须确保数据不会被操纵，同时确保数据不

cannot be removed.

能被遗忘。这就引起了人们的担忧，如果个人数据存储在区

Then there’s Cryptocurrencies, designed to be a digital currency

块链中，无法删除，怎么办？

that works as a medium of exchange using cryptography to assure

然后是加密货币的隐忧，其被设计为一种数字货币，作为使

that payments are sent and received safely. These systems raise

用加密技术的交易媒介，以保证支付安全的发送和接收。这

concerns when it comes down to clamping down on crime, as many

些系统在打击犯罪时引起了人们的关注，因为许多加密货币

cryptocurrencies provide anonymous-like features.

提供了类似匿名的功能。

Issue 5

#AIBCsummit | 29

It is for these and other concerns that Malta enacted legislation like

正是出于这些以及其他方面的担忧，马耳他颁布了《

the Virtual Financial Assets Act and the Innovative Technologies

虚拟金融资产法》和《创新技术安排和服务法》等立

Arrangements and Services Act to provide oversight with respect to local

法，对当地类似加密货币的活动进行监督；提供一个

cryptocurrency-like activities; to provide a regulatory framework that

监管框架，可以让用户对区块链系统是正常运行的感

can provide comfort to users that Blockchain systems are functioning

到放心；可以采取措施，确保人工智能系统受到监

correctly; and that measures can be put in place to ensure AI systems

控，以确保其行为是健全的。

are monitored to ensure that their behaviour is sound. We will continue to investigate further ways to ensure that AI, Blockchain, and other

我们将持续研究进一步的方法，以确保人工智能、区

emerging technologies are safe and ethical while working in conjunction

块链和其他新兴技术是安全且道德的，同时与欧盟的

with our EU counterparties to assure that such principles are upheld.

对应方合作，以保证这些原则得到维护。

“ Malta intends to keep up its commitment to remain a pioneer in the digital world and is heavily investing in digitising its operations ”

“马耳他将继续致力于保 持在数字世界的先锋地 位，并且正通过引入人 工智能和区块链技术， 大力投资于数字化运营”

EUROPEAN COMMISSION PRESIDENT URSULA VON DER LEYEN PLEDGED TO UNVEIL PROPOSED LAWS FOR THE ETHICAL USE OF AI IN WHAT SHE CALLED A COORDINATED EUROPEAN APPROACH. IS MALTA ON TRACK

谓协调一致的欧洲方法中，针对人工智能的道德使用 公布拟议的法律内容。马耳他是否有望效仿——我们

TO FOLLOW SUIT – WHEN ARE WE LIKELY TO SEE NON-BINDING ETHICAL

何时可能看到不具约束力的道德准则成为冷冰冰的法

GUIDELINES BECOME COLD, HARD LAW? SHOULD THERE BE A GLOBAL

条？当涉及数字创新时，是否应该有一个全球性的伦

APPROACH TO ETHICS WHEN IT COMES TO DIGITAL INNOVATION?

理方法？

Maltese legislation is not only already proactive in the sector, but ahead

马耳他的立法不仅已经在该领域积极主动，而且领先

of current legislation being discussed at EU level. Malta is actively

于欧盟层面正在讨论的现行立法。欧盟委员会所提交

participating in the discussion regarding the white paper presented by the

的人工智能法规白皮书，马耳他正积极参与讨论过

EU Commission in relation to AI regulations. The white paper raises several

程。白皮书中提出了几个重要问题，它同时也承认马

important questions. It also acknowledges the progress made by Malta and

耳他取得的进展，并强调马耳他的立法已经在处理白

highlights its legislation is already dealing with the issues being tackled

皮书着手处理的问题。MDIA的人工智能认证准则解决

by the white paper. MDIA’s AI certification guidelines address the ethical

了白皮书列出的道德问题，并可能引入新的概念，这

issues raised by the white paper and possibly introduce new concepts

些概念要么被轻描淡写地提及，要么根本没有出现。

which are either lightly mentioned or not present at all. The Maltese

马耳他的做法，是敦促采取与白皮书一致、基于风险

approach urges a risk-based approach which is in line with the white paper.

MDIA’s concept of the forensic node and technical administrator are two examples of features which are completely absent in the white paper. It is important to note that we do not intend to stifle innovation – yet we will promote the development of innovation, and therefore a

30

欧盟委员会主席Ursula Von Der Leyen承诺，在她所

的做法。 MDIA提出的Forensic Node和Technical Administrator 概念，就是白皮书中完全没有涉及的两个典型例子。重 要的是要注意到，我们并不打算扼杀创新——但我们将

risk-based approach is pertinent to allow AI to develop in sectors that

促进创新的发展，因此，基于风险的方法是恰当的，它

do not require oversight and where bias might not be an issue at all, yet

允许人工智能在不需要监督的领域发展，在这些领域中

to impose oversight in sectors where it is required to ensure that such

偏见可能根本不是问题，然而，针对需要监督的领域实

ethical issues are addressed.

行监督，以确保这些道德问题得到解决。

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Issue 5

COVER STORY 封面故事

Issue 5

#AIBCsummit | 31

EMERGING TECH STARTUP PITCH The AIBC Summit is all about the future of the emerging tech sector, and our Emerging Tech Startup Pitch is the answer to keeping up with this innovative industry. For the past two years more than 200 startups have benefitted from this platform. Over 100 companies based in AI, Blockchain, Quantum Tech, FinTech, Big Data, and IoT will be selected to showcase their products and initiatives throughout the event. Each startup selected will have a 1x1m booth at the AIBC Summit.

The selected 100 will also have the opportunity to be surrounded by top investors and mentors, being invited to lavish networking dinners as well as benefitting from online exposure. However, the Emerging Tech Startup Pitch is only open to startup companies, meaning recently launched startups that aren’t supported by a public company. The competition keeps getting fiercer as only the best 10, as decided by an independent panel of judges, will make it through to the Pitch during the final leg of the Summit. Taking part guarantees valuable insights and critical feedback from the judges although the prize package will give just one lucky startup a massive head start when it comes to expanding their business plans.

STARTUP? APPLY AT AIBCSUMMIT.COM

SELECTED 100 STARTUPS •

WINNERS

1x1m booth at the AIBC Summit including cost of

•

Social media visibility through our websites

printing and furniture

•

Article in magazine + official photoshoot

•

Meet top investors and mentors

•

A free 2x2m booth at AIBC summit 2021,

•

Invitation to premium networking events during

•

including printing & furniture cost

AIBC and SiGMA summits and throughout the year

•

Prize from official collaborators

Brand exposure across our publications

•

Free consultancy and potential leads from leading industry veterans

BEST 10 STARTUPS

•

PR pack from SiGMA and AIBC

•

SiGMA group will provide the VIP networking opportunities for you to connect to potential customers and/or investors

3min Pitch + 3min Q&A on main stage in front of top investors

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Issue 5

•

Free co-working office space

•

Title winner for best startup

WHAT TO EXPECT 内容提要

新兴技术 初创企业擂台 AIBC峰会的主题围绕着新兴科技行业的未来，在过去两年，已有200多家初创公司受益于这个平台。自 AIBC马尼拉成立以来，今年将是首次以亚洲为重点的初创公司从中获益。我们将选出100多家来自AI、区 块链、量子技术、大数据和物联网领域的公司在活动期间展示其产品和计划。每个入选的初创公司将在马尼 拉AIBC峰会上获得一个1x1m的展位。入选的100家公司还将有机会认识顶尖投资者和指导者，受邀参加豪 华社交晚宴，并通过我们的出版刊物提升品牌曝光率。但是，新兴技术初创企业擂台仅面向初创公司，主要 是那些未获得上市公司支持的初创公司。比赛将变得越来越激烈，因为由评委组成的独立评委团将在峰会的 最后环节选出十大最佳公司进入擂台。尽管只有一家幸运的初创公司能够获得奖金，成为他们在扩展业务计 划方面的巨大的领先优势，但参与该比赛可确保公司获得宝贵的见解以及来自评委的重要反馈。 初创公司？请在aibcsummit.com申请

入选的100家初创公司

获胜者

•

马尼拉AIBC峰会的1x1m展位（包括印刷和家具费用）

•

通过我们的网站提升社交媒体的营销效果

•

认识顶尖投资者和指导者

•

杂志推文+官方照片拍摄

•

在AIBC和SiGMA峰会期间以及全年受邀参加顶级社交

•

马尼拉峰会或2021年的马耳他峰会的免费2x2m

活动 •

展位（包括印刷和家具费用）

通过我们的出版刊物提升品牌曝光率

十大最佳初创公司

•

官方合作者颁发的奖品

•

获得免费咨询以及领先行业资深人士的潜在引领

•

SiGMA和AIBC提供的公关方案

•

SiGMA集团将为您提供VIP交流机会，与潜在客 户和/或投资者建立联系

•

FlySpaces公司提供的免费联合办公空间

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最佳初创公司冠军头衔

在顶尖投资者面前进行3分钟的自我推介+3分钟的问答

Issue 5

#AIBCsummit | 33

UNLOCK THE

HIGHLIGHTS 解锁亮点

34

| #AIBCsummit

Issue 5

FEATURE 专题报道

SIGMA BROUGHT THE AIBC DIGITAL SUMMIT TO THE EVER-GROWING MARKETS OF ASIA AND THE AMERICAS, FOCUSSING ON THE EMERGING TECHNOLOGY INDUSTRY. THIS YEAR, THINGS LOOKED A LITTLE DIFFERENT AS OUR PANELISTS BRACED THEIR COMPUTER SCREENS RATHER THAN THE STAGE.

T

SiGMA将AIBC数字峰会带进了不断增 he brightest minds across the LatAm and Asian markets were invited as panelists for this year’s innovative editions of AIBC Digital

长的亚洲和美洲市场，重点关注新兴 技术产业。今年，活动看起来有些许

Summit, where, naturally, the focus remained as

不同，因为我们的小组成员出现在电

relevant as ever. Experts discussed topics ranging from

脑屏幕而不是在舞台上。

cryptocurrency, Blockchain, emerging technologies, AI and COVID-19.

The final day of the summit addressed all the emerging

今年的AIBC数字峰会邀请到拉美和亚洲市场最聪明

developments across Asia during AIBC Asia Digital

的头脑作为小组成员，在这里，很自然地，焦点仍然

Summit with 15 panels. The success of the summit was a catalyst for AIBC Americas Digital Summit, held on the 24th September 2020, which concluded three days filled with premium content across 12 panels.

In the words of Eman Pulis, Founder of SiGMA Group: “It is now more vital than ever to stay informed and connected, the digital conference will embrace the difficulties we are facing at a time when working together has never been more important. COVID-19 has provided a unique opportunity to stand together and rethink how we live and work”.

是一如既往的切要。专家们讨论的话题包括加密货 币、区块链、新兴技术、人工智能和新冠疫情。 在峰会最后一天，AIBC亚洲数字峰会期间的15个专 家小组针对整个亚洲的所有新兴发展进行了讨论。峰 会的成功举办，成为2020年9月24日AIBC美洲数字峰 会的催化剂。三天峰会中，12个专家小组带来满满 优质内容，而AIBC峰会则为活动写下完美句点。 SiGMA集团创始人兼首席执行官Eman Pulis表示：” 现在比以往任何时候都更需要保持信息与联系，数字 会议将拥抱我们所面临的困难，当前的合作前所未见

As the post-summit blues creep in, SiGMA would like to

地重要。新冠病毒提供了一个特殊的机会，让我们站

present readers with highlights and best moments from

在一起，重新思考我们的生活和工作方式。”

the impressive AIBC Americas and AIBC Asia panelists.

峰会结束后，忧郁的情绪悄然而至，SiGMA希望为 读者呈现AIBC美洲和AIBC亚洲小组成员的亮点以及 最佳时刻。

Issue 5

#AIBCsummit | 35

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FEATURE 专题报道

Speaking during an AIBC Asia Digital Summit panel on emerging

`在AIBC亚洲数字峰会针对新兴市场利用新兴技术为

markets leveraging emerging technology, Faris Owers, Co-Founder of

主题的小组研讨会上，Instigation Protocol的共同创

Instigation Protocol, said, “The biggest hurdle is a lot of the problems

始人Faris Owers说道：”最大的障碍，也是城市中

with blockchain solutions in cities is they haven’t done it in many places. That’s more related to behaviour from a municipal standpoint than it is about the virtue of what blockchain tech is. I think through education that’s where you can lead that resistance.”

区块链解决方案的很多问题所在：我们并未在很多地 方做到这一点。这更关乎于从市政的举措，而非区块 链技术是什么的德行问题。我认为通过教育，这就是 你可以引导阻力的地方。”

Then, during a panel discussing technology in the midst of a pandemic, Ben Goertzel from SingularityNET noted: “We weren’t worried about all the problems inside the system. Now the weakness of the system as a whole is being exposed. The optimistic hope is that this is a wake-up call to modernise and upgrade our systems and explore more robust solutions for the next crisis. Whether that will happen remains to be seen”.

The AIBC Americas Digital Summit addressed the ever-growing cryptocurrency market in LatAm. Etienne Luquet, CEO of Legal Lab, stated: “Crypto is really a magical solution for the monetary and

“乐观的希望是，视其 为一个警钟，让我们对 系统进行现代化升级， 并为下一次危机探索更 强大的解决方案”

economic problems that our current currency in some Latin American countries, Argentina, Venezuela, is facing”. Nonetheless, he also acknowledges that the crypto sphere still experiences push-backs

接着，在针对疫情中的技术进行的小组讨论中，来自

from both the public and government due to concerns over privacy

SingularityNET的Ben Goertzel指出：”我们过去并

and security.

不担心系统内部的所有问题。现在，系统整体的弱点 被暴露出来了。乐观的希望是，视其为一个警钟，让

“ The optimistic hope is that [COVID-19] is a wake-up call to modernise and upgrade our systems and explore more robust solutions for the next crisis ”

我们对系统进行现代化升级，并为下一次危机探索更 强大的解决方案。而这是否会成真，还有待观察。” AIBC美洲数字峰会讨论了拉美地区持续成长的加密 货币市场。Legal Lab的Etienne Luquet如此表示：” 加密货币确实是解决货币和经济问题的一个神奇方 案，我们目前的货币在一些拉美国家如阿根廷、委内 瑞拉等，正在遭遇这些问题”。尽管如此，他也承 认，由于对隐私和安全的担忧，加密货币领域仍会遭 遇来自公众和政府的抵制。 在一场关于拉美金融自由的小组讨论中，当讨论到拉

While discussing the financial inclusion of blockchain infrastructure in LatAm being a work in progress during a panel on financial freedom in LatAm, Ernesto Contreras of Digital Cash comments on its potential, stating: “I see it here in Venezuela, in Mexico, in Argentina. People in these economies that have troubles, they need something else. They don’t want to stay with the local currency”.

Meanwhile, all eyes are on Malta for the fourth edition of the in-person expo from the 17th to the 18th February, 2021, where one can expect

美区块链基础设施的金融普惠化正在发展时，Digital Cash的Ernesto Contreras对其潜力评论道：”我在委 内瑞拉、墨西哥、阿根廷都看到了这点。在这些经济 体中，人们遭遇到麻烦，他们需要一些其他的东西。 他们不希望继续使用本地货币。” 与此同时，所有的目光都集中在马耳他将于2021年2 月17日至18日举办的第四届实体博览会，在那里， 人们可以期待更多的交流网络、商业机会和高质量内

more networking, business opportunities and high-quality content. AIBC

容。2021年AIBC欧洲峰会将迎来200位演讲者、300

Summit Europe 2021 is set to welcome 200 speakers, 300 sponsors and

位赞助商与参展商，以及来自世界各地的8500名与

exhibitors and 8500 attendees from all over the world.

会者。

Issue 5

#AIBCsummit | 37

DE [TECH] TING INNOVATION 科技创新

38

| #AIBCsummit

Issue 5

Q&A 问答

WITH A HIGHLY-SKILLED WORKFORCE, MALTA PROVIDES THE PERFECT ECOSYSTEM FOR GROWTH. FOR THOSE WITH INTERNATIONAL AMBITIONS, TECH.MT ACTS AS THE LINK TO FACILITATE CONNECTIONS WITH INTERNATIONAL ORGANISATIONS. MARIA DEBRINCAT SITS DOWN WITH DANA FARRUGIA, CEO OF TECH.MT, TO DISCUSS TECH.MT’S VISION AND ITS AIM IN AIDING INDUSTRY GROWTH LOCALLY AND INTERNATIONALLY.

WHO IS TECH.MT? IN WHICH WAYS DOES TECH. MT CONTRIBUTE TO ESTABLISHING MALTA AS A LEADING TECH HUB? Tech.mt was established by the government of Malta and the Malta Chamber of Commerce, Enterprise and Industry, as a public-private partnership and has proven to be a strategic assistive partner to the tech sector during the past months.

Tech.mt’s mission revolves around the

马耳他拥有高技能的劳动力，为发 展提供了完美的生态系统。Tech. mt旨在刺激当地的技术资源，帮助 IT与技术产业的发展。对于那些有 国际抱负的人来说，Tech.mt是促 进与国际组织联系的纽带。Maria Debrincat与Tech.mt的首席执行官 Dana Farrugia一起讨论了Tech.mt 的愿景，及其在当地与国际上帮助 产业发展的目标。

TECH.MT为何？TECH.MT以何种方式促进马耳他 成为领先的技术枢纽？ Tech.mt是由马耳他政府和马耳他工商会建立的 公私合作关系，在过去的几个月里，它已被证明 是科技产业的战略辅助伙伴。 Tech.mt的使命在于提高马耳他对外国直接投资 的吸引力，以及促进国际商业发展和本地产业创 新的基本原则。 协助技术公司进行国际创新和发展是我们工作的

fundamental principles of enhancing Malta’s

核心。Tech.mt的任务是寻求产业发展，并协助

attractiveness for foreign direct investment,

科技生态系统，将其建立成为我国GDP的主要贡

as well as facilitating international business

献来源。因此，Tech.mt将有助于提升技术产业

development and innovation to the local industry.

Assisting technology companies to innovate and

到一个新的水平，因为它将使得世界注意到马耳 他技术领域所提供的巨大潜力。

grow internationally lies at the heart of what we do.

Tech.mt’s mandate is to seek sectorial growth and assist the technology ecosystem in establishing itself as a leading contributor to our GDP. As such, Tech.mt shall be instrumental in taking the technology industry to the next level, as it will seek to make the world notice the huge potential the technology sector in Malta has to offer.

Issue 5

#AIBCsummit | 39

HOW DOES MALTA COMPARE, IN YOUR OPINION, TO OTHER

A diverse set of incentives are aimed to attract the smartest

HUBS FOR DIGITAL INNOVATION IN EUROPE, IN THE

entrepreneurs, provide innovation funding to startups - yet

MEDITERRANEAN REGION, AND IN THE WORLD?

heavily bureaucratic methods send precisely the opposite

Malta has become one of the most successful economies in Europe. It has been classified as one of four European Union

message. Startups need a clear pathway from early-stage innovation funding to growth stage investment.

countries with the biggest advance in the Digital Economy and Society Index (DESI) over the past five years and was one of the few European countries to experience a positive economic performance during the pandemic. While other countries struggled to cope, Malta continued to use its resilient digital infrastructure to adapt to new unprecedented norms.

Malta has consistently strived to be ahead of the curve where technology and innovation are concerned, with tech sector growth approaching 4% in the second quarter of 2020. This demonstrates that the sector is not only a valid economic pillar

“ Tech.mt’s mandate is to seek sectorial growth and assist the technology ecosystem in establishing itself as a leading contributor to our GDP ”

in its own right, contributing 9% of GDP and employing 10,000 people, but also is an essential enabler for almost all other sectors, including government.

Malta’s foreign policy seeks to be a catalyst in the creation and

slows due to COVID-19, the need to prioritise in the investment

in the furthering of business opportunities to draw foreign

of research and development has never been stronger. Malta

direct investment to Malta and to provide the private sector

possesses many ingredients for successful innovation. Rather

with more opportunities for business networking and for export

than trying to catch up with the strengths of other countries, we

of goods and services. Malta already rates above EU average

need to develop our own innovation models focusing on industry

when it comes to SMEs choosing a country to internationalise,

ecosystems and public sector digitisation.

thus reflecting that the island is already depicted as an attractive place for startups.

Malta will not simply follow other countries but actually be leading the way and becoming a key player in the technology sector.

WHAT CAN BE DONE IN ORDER TO HELP CULTIVATE A LEADERSHIP MINDSET FROM THIS CRISIS? The future of leadership will be challenging but critical to navigating this new digital word. Leaders should be asking

INNOVATION IS OF FUNDAMENTAL IMPORTANCE FOR

themselves what it entails to lead in a digital ecosystem and

EUROPE’S ECONOMIC AND SOCIAL SYSTEM. HOW CAN MALTA

stay ahead of the curve.

SCALE ITS GAME AND CAPITALISE ON THESE KEY TRENDS?

40

As competition between countries mounts and global growth

As CEO of Tech.mt, I believe that this unprecedented new

While there are no clear guidelines to address our structural

era calls for visionary leaders who despite their differences,

scale disadvantages, Malta has the possibility to scale

can maintain a strong equilibrium between competition

innovation policies and may orient itself on examples that are

and collaboration and push for new frameworks to co-exist.

already working in Europe. I believe that in order to change

Seeking new and innovative areas for collaboration, despite

the rules of the game, we need to take a longer-term view on

the divergences, is the novel art of leadership. I believe that

how innovation initiatives need to change into a more digital

the appetite for investment should not diminish in these

context. This would require a mind-set shift towards an open

trying times to secure execution of strategy in the medium-

innovation–focused approach.

long term.

| #AIBCsummit

Issue 5

Q&A 问答

在您看来，马耳他与欧洲、地中海 地区和世界上其他数字创新中心 相比如何？ 马耳他已经成为欧洲最成功的经 济体之一。在过去的五年里，马 耳他被列为数字经济和社会指数 （DESI）进步最大的四个欧盟国

“Tech.mt的任务是寻求 产业发展，并协助科技生 态系统，将其建立成为我 国GDP的主要贡献来源”

家之一，也是少数几个在疫情期间 经济表现良好的欧洲国家之一。在 其他国家奋力应对的时候，马耳他 却继续利用其富有弹性的数字基础

的内容。这需要心态的调整，转向

设施来适应前所未有的新常态。

以开放创新为重点的方法。

马耳他一直努力走在技术和创新的

一系列多样化的激励措施，目的是

前线，2020年第二季度科技领域

吸引最聪明的企业家，为初创企业

的增长率接近4%。这表明，该领

提供创新资金，然而，严重的官僚

域本身不仅是一个有效的经济支

主义做法所传递的信息恰恰相反。

柱，贡献了9%的国内生产总值、

从初期创新资金到成长阶段的投

雇佣了1万名员工，同时，也是包

资，初创企业需要一条明确途径。

括政府在内、几乎所有领域的重 要推动力。

随着国家间竞争的加剧，以及全球 经济增长因疫情而放缓，现在比以

马耳他的外交政策力求成为创造和

往任何时候都更需要优先考虑研发

促进商业机会的催化剂，以吸引外

投资。马耳他拥有许多成功创新的

国直接投资马耳他，并为私营部门

要素。我们不需要试图追赶其他国

提供更多的商业网络，以及出口货

家的优势，而是要发展自己的创新

物和服务的机会。在中小企业选择

模式，将重点放在产业生态系统和

进行国际化的国家时，马耳他已经

公共部门的数字化。

高于欧盟平均水平，这反映出马耳 他岛已经被描绘成一个对创业者有 吸引力的地方。 马耳他不会只是追随其他国家，而 是真正地引领潮流，成为科技领域 一个重要的角色。 新对欧洲的经济和社会系统具有重 要意义，马耳他如何扩大其规模并 利用这些关键趋势？

我们可以做什么来帮助培养走出这 场危机中的领导力思维？ 未来的领导力将充满挑战，但对探 索这个新的数字世界至关重要。领 导者应该问自己，引领数字生态系 统并保持领先，需要的是什么。 作为Tech.mt的首席执行官，我相 信这个前所未有的新时代需要有远 见的领导者，尽管他们之间存在差

虽然没有明确的指导方针来解决我

异，但能够在竞争与协作之间保持

们在结构性规模上的劣势，但马

强有力的平衡，同时推动新框架的

耳他有可能扩大创新政策的规模，

共存。尽管存在分歧，但寻求新的

并可以借鉴欧洲已经行之有效的例

创新合作领域，是领导力的新颖艺

子。我认为，为了改变游戏规则，

术。我认为，在这个艰难的时期，

我们需要从更长远的角度来看，创

投资欲望不应降低，才能确保中长

新措施需要如何转变为更加数字化

期战略的执行。

Issue 5

#AIBCsummit | 41

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AKON’S

AFRICA L’Afrique d’Akon

48

| #AIBCsummit

Issue 5

Q&A 问答

FOR THE LAST DECADE, RAPPER, MUSICIAN AND ACTIVIST AKON HAS DEDICATED HIS LIFE TO HELPING THE AFRICAN CONTINENT STAND UP AND SHOWCASE ITS IMMENSE POTENTIAL. IN THIS ISSUE OF BLOCK, HE SITS DOWN TO TALK ABOUT AKOIN CITY, CRYPTOCURRENCIES, HIS VISION, AND WHAT FUSES ALL OF THESE TOGETHER; THE YOUTH OF AFRICA. AU COURS DE LA DERNIÈRE DÉCENNIE, LE RAPPEUR, MUSICIEN ET ACTIVISTE AKON A CONSACRÉ SA VIE À AIDER LE CONTINENT AFRICAIN À SE RELEVER ET À METTRE EN VALEUR SON IMMENSE POTENTIEL. DANS CE NUMÉRO DE BLOCK, IL S’ASSIED POUR PARLER D’AKOIN CITY, DE LA CRYPTO-MONNAIE, DE SA VISION, ET DE CE QUI FUSIONNE TOUT CELA ENSEMBLE : LA JEUNESSE DE L’AFRIQUE.

CAN YOU DESCRIBE YOUR VISION OF AFRICA?

POUVEZ-VOUS DÉCRIRE VOTRE VISION DE

WHAT MAKES IT UNIQUE IN YOUR OPINION?

L’AFRIQUE ? QU’EST-CE QUI LA REND UNIQUE SELON VOUS ?

It’s all about the youth, they’re born entrepreneurs who now have the ability to leapfrog past

Il s’agit de jeunes, des entrepreneurs nés qui ont

technologies and old financial systems and move

maintenant la capacité de dépasser les technologies

straight into blockchain, cryptocurrency and other

et les anciens systèmes financiers et de passer

digital innovations that are super charging their

directement à la blockchain, à la crypto-monnaie et

potential and futures forward, bringing them into

à d’autres innovations numériques les faisant ainsi

the global economy in a powerful way.

entrer avec puissance dans l’économie mondiale.

Africa has the youngest population in the world,

L’Afrique a la population la plus jeune du monde, et

and by 2045 the African workforce is predicted

d’ici 2045, la main-d’œuvre africaine devrait être

to be the world’s largest, giving the continent an

la plus importante du monde, ce qui donnera au

enviable and deep spread of talent which is soon

continent un éventail de talents enviable et profond

set to be thrust onto the world stage.

qui sera bientôt propulsé sur la scène mondiale.

As this talent pool blooms across Africa, the

Alors que ce réservoir de talents s’épanouit à

world is starting to take note. Combined with the

travers l’Afrique, le monde commence à en prendre

revolutionary power blockchain provides we are

note. Combiné avec la blockchain de pouvoir

entering a golden age of African development.

révolutionnaire, nous entrons dans un âge d’or du développement africain.

The benefits to Africa of embracing cryptocurrency will be huge. Large-scale adoption and use of

Les avantages pour l’Afrique d’adopter la crypto-

crypto on the continent has the potential to

monnaie seraient énormes. L’adoption et l’utilisation à

demonstrate to countries around the world the

grande échelle de la cryptographie sur le continent ont

creativity and ingenuity of young African business

le potentiel de démontrer aux pays du monde entier la

leaders and entrepreneurs, which will lead to an

créativité et l’ingéniosité des jeunes chefs d’entreprise

increase in African countries’ GDPs, while at the

et entrepreneurs africains, ce qui entraînerait une

same time allowing the untapped talent in the

augmentation du PIB des pays africains, tout en

upwardly mobile and young African workforce to

permettant à la main-d’œuvre africaine jeune et en

flourish and grow.

pleine ascension de s’épanouir et de se développer.

Issue 5

#AIBCsummit | 49

HOW WOULD DIGITAL CURRENCIES HELP THE PEOPLE IN AFRICA? The future of finance lies in digital currency and digital transactions.

You can see how many countries are working on developing digital versions of their currencies, it is only a matter of time before all

This is why we are getting in front of the curve now and embracing what we believe is going to represent the dominant model young business leaders and entrepreneurs in Africa, and eventually, the whole continent embrace.

transactions are digitized and paper money is in the history books.

Blockchain and cryptocurrency represents a method for them to

The countries that grasp this reality before anyone else will be the

create and earn value determined by themselves and which doesn’t

ones at an advantage.

rely on an outdated system powered by a countries local currency

Money is going to be entirely digital, it’s all going to be computerised

which Africans have no control over.

and moved in and controlled by apps and developers. Even with

HAS THE VIRUS AFFECTED SENEGAL IN ANY WAY? DID IT HINDER

music, while everyone was selling CDs and vinyl from little specialty

ANY PROGRESS FOR AKOIN CITY IN DAKAR?

shops and singles, I was more focused on ringtones, which was the digital aspect of the music business.

Sengal is one of the countries in Africa setting a great example of how to keep the numbers down, BBC did a great spotlight on Senegal

As it happened in the music industry with the evolution from vinyl to

and the smart containment and reduction methods they’re taking, it’s

cassette tapes to CDs and now to digital music, it’s happening now

really impressive.

with money too.

I’m proud to say that all of our massive efforts to bring Akon City to

Blockchain technology and cryptocurrency means that people in

life in Senegal have not slowed either. We’re taking all of the right

rising economies such as Africa are closer than ever to becoming

precautions when travelling and conducting a lot of our activities

‘banked’, and having self-sovereignty of their own finances, and being

digitally, like everyone else in the world, but we’ve got an amazing

able to use, through blockchain, financial services that are taken for

team behind this venture and it’s full steam ahead.

granted in western nations.

We want Akon City to be the first of several more Akon-branded

In sub-Saharan Africa alone there are about 350 million unbanked

blockchain enabled smart cities, with Akoin at the center, throughout

adults, which accounts for 17 percent of the global unbanked

Africa, we can’t slow down, and everything we’re doing building up to

population of two billion people.

that, including our deployment happening now in Mwale Technology and Medical City, pave that pathway.

“ We want Akon City to be the first of several more Akon-branded blockchain enabled smart cities, with Akoin at the center ”

OVER THE YEARS, AFRICA HAS OFTEN BEEN PORTRAYED IN A VERY DISTORTED LIGHT, AND YOU TALK ABOUT THIS VERY PASSIONATELY. HOW ARE YOU ADDRESSING THE MATTER, AND HOW WILL YOUR VISION OF THE CONTINENT HELP IN PRESENTING A TRUE IMAGE OF WHAT IT IS? Unfortunately, often the perception of Africa from those living outside it is of a scary and dangerous place. For example, the way they depict Africa in the United States is just so sad because it many times makes it unattractive and plays on all of its problems, without touching on

Africa is already at the point where mobile phones and mobile phone minutes are used for transactions, it is only a few steps away from moving into an economy based on cryptocurrencies versus having to rely on current traditional paper money and historic financial models, which leads to their having the tools needed for financial independence and empowerment, reaching the same goals of being essentially ‘banked’.

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the positives.

I really want to change that perception and get people seeing it as not just a viable place to vacation, work and do business, but a destination you don’t want to leave. That’s what we’re building in Senegal with Akon City, futuristic city leveraging all of the best technologies, smart city designs and blockchain elements, attracting people and businesses alike.

Issue 5

Q&A 问答

COMMENT LES MONNAIES NUMÉRIQUES POURRAIENT-ELLES AIDER LES POPULATIONS AFRICAINES ?

L’avenir de la finance réside dans la monnaie numérique et les transactions numériques. Les pays travaillent au développement de versions numériques de leurs monnaies, ce n’est qu’une question de temps avant que toutes les transactions soient numérisées. Les pays qui saisiront cette réalité avant tout le monde seront ceux qui seront avantagés.

“ Nous voulons qu’Akon City soit la première d’une série de villes intelligentes à blockchain de la marque Akon, avec Akoin au centre ”

La monnaie va devenir complètement numérique, tout va être informatisé et aménagé ainsi que contrôlé par des applications et des développeurs. Idem pour la musique, alors que tout le monde vendait

COMMENT LE VIRUS A-T-IL AFFECTÉ LE SÉNÉGAL ? A-T-IL

des CD, des vinyles et des singles, je me concentrais davantage sur

EMPÊCHÉ TOUTE AVANCÉE POUR LA VILLE D’AKOIN À DAKAR ?

les sonneries, qui constituaient l’aspect numérique du commerce de la musique.

Comme cela s’est produit dans l’industrie de la musique avec l’évolution du vinyle aux cassettes, puis aux CD et maintenant à la musique numérique, cela se produit maintenant aussi avec l’argent.

Le Sénégal est l’un des pays d’Afrique qui donne un excellent exemple de la manière de réduire les chiffres.

Je suis fier de dire que tous nos efforts massifs pour faire revivre Akon City au Sénégal n’ont pas ralenti non plus. Nous prenons toutes les précautions nécessaires lorsque nous voyageons et menons

Grâce à la technologie des blockchains et à la crypto-monnaie, les

beaucoup de nos activités sous forme numérique, comme tout le

populations des économies émergentes comme l’Afrique sont sur

monde dans le monde, mais nous avons une équipe extraordinaire

le point de devenir “bancarisées”, d’avoir leur propre souveraineté

derrière cette entreprise et elle est en pleine activité.

financière et de pouvoir utiliser, par le biais de blockchain, des services financiers que les pays occidentaux considèrent comme allant de soi.

Nous voulons qu’Akon City soit la première d’une série de villes intelligentes à blockchain de la marque Akon, avec Akoin au centre, dans toute l’Afrique, nous ne pouvons pas ralentir, et tout ce que

Rien qu’en Afrique subsaharienne, il y a environ 350 millions d’adultes

nous faisons pour y arriver, y compris notre déploiement qui a lieu

non bancarisés, ce qui représente 17 % de la population mondiale non

actuellement dans Mwale Technology et Medical City, ouvre cette voie.

bancarisée sur deux milliards de personnes.

AU FIL DES ANS, L’AFRIQUE A SOUVENT ÉTÉ PRÉSENTÉE SOUS UN

L’Afrique en est déjà au point où les téléphones portables sont

JOUR TRÈS DÉFORMÉ, ET VOUS EN PARLEZ AVEC BEAUCOUP DE

utilisés pour les transactions, il ne reste que quelques pas à faire

PASSION. COMMENT ABORDEZ-VOUS LA QUESTION, ET COMMENT

pour passer à une économie basée sur la crypto-monnaie plutôt

VOTRE VISION DU CONTINENT AIDERA-T-ELLE À PRÉSENTER UNE

que de devoir utiliser la monnaie traditionnelle en papier, ce qui leur

IMAGE FIDÈLE DE CE QU’IL EST ?

permet de disposer des outils nécessaires à l’indépendance financière et à l’autonomisation, en atteignant les mêmes objectifs d’être essentiellement “bancarisés”.

Malheureusement, la perception de l’Afrique par les étrangers est souvent effrayante et dangereuse. Par exemple, la façon dont ils dépeignent l’Afrique aux États-Unis est tellement triste parce qu’elle

C’est pourquoi nous prenons les devants dès maintenant et

la rend peu attrayante et joue sur tous ses problèmes, sans toucher

adoptons ce que nous pensons être le modèle dominant des jeunes

aux aspects positifs.

chefs d’entreprise et entrepreneurs en Afrique et, à terme, sur tout le continent.

Je veux vraiment changer cette perception et faire en sorte que les gens voient l’Afrique comme une destination qu’on ne veut pas

La blockchain et la crypto-monnaie représentent une méthode qui

quitter. C’est ce que nous sommes en train de construire au Sénégal

leur permet de créer et de gagner une valeur déterminée par eux-

avec Akon City, une ville futuriste qui s’appuie sur les meilleures

mêmes et qui ne repose pas sur un système obsolète alimenté par la

technologies, des designs de ville intelligents et des éléments de

monnaie locale d’un pays sur lequel les Africains n’ont aucun contrôle.

blockchain pour attirer les gens et les entreprises.

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Then, with our Akoin cryptocurrency and platform, which will be the

When you look at all the major countries, from America to European

central currency of both Akon City and Mwale Medical and Technology

countries to China, all of these nations are in a position where they

Center we’re setting the stage on how innovative blockchain and

can’t conform as quickly to the latest technologies without having to

cryptocurrency solutions can launch Africa far into the 21st century

rebuild everything that’s already built, whereas African nations can

as leaders in this space.

start from the beginning and lead that charge forward.

IN TERMS OF INNOVATION, YOU DESCRIBE AFRICA ALMOST AS

YOUR WORK ETHIC AND THE VISION OF YOUR HOMELAND ARE

BEING A BLANK SLATE IN COMPARISON TO OTHER CONTINENTS

INHERENTLY INSPIRING STATEMENTS IN THEMSELVES, BUT IF

AND COUNTRIES. HOW IS THIS AN ADVANTAGE?

YOU COULD, WHAT WOULD YOU TELL YOUNG ENTREPRENEURS THAT, LIKE YOU, WANT TO INVEST TIME TO SEE CHANGE IN

Africa is one of the only places in the world that can start from zero and

THE WORLD?

really implement and utilize every single new development and invention that’s existing today without breaking down existing infrastructure.

The youth of Africa want to build their own destinies and are ready and able to adopt the latest technology innovations and financial

Africa is known for making technological leaps ahead of the rest

structures to make that possible.

of the world led as seen with their usage of mobile technology, their usage of mobile phone minutes as currency and adoption of

We want Africans who have amazing entrepreneurial ideas, to have

blockchain and cryptocurrency innovations.

the tools and services to bring those ideas to life, and not only create and build that business, but bring it to the global economy,

This characteristic of taking leaps forward in technology is what will

and help their regions grow in the process. That’s the power of what

continue to drive the growth and success of digital assets on the

blockchain and cryptocurrency can enable, and that’s what we’re

continent, and we believe Africa will lead in this area as the rest of the

enabling at Akoin.

world will be watching closely to see the developments it makes.

There are people who have the means but don’t have the tools. There

While western countries and the rest of the world wrestle at unpicking

are people who have the tools but don’t have the means. For this to

years of tradition, red tape and regulation to make digital assets fit;

work, we all have to work together. The key to success has always

African countries -- if their leaders choose -- are able to embrace

been unity and I feel you can cover the world when you unite and bring

change and foster implementation much more quickly.

yourselves together for one common cause. Join us - Akon

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Q&A 问答

Ensuite, avec notre crypto-monnaie et notre plate-forme Akoin,

position où ils ne peuvent pas se conformer aussi rapidement aux

qui sera la monnaie centrale d’Akon City et du Centre médical et

dernières technologies sans avoir à reconstruire tout ce qui est déjà

technologique de Mwale, nous préparons le terrain pour que des

construit, alors que les nations africaines peuvent commencer dès le

solutions innovantes de blockchain et de crypto-monnaie puissent

début et mener cette charge en avant.

faire de l’Afrique un leader du XXIe siècle.

VOTRE ÉTHIQUE DU TRAVAIL ET LA VISION DE VOTRE PAYS

EN TERMES D’INNOVATION, VOUS DÉCRIVEZ L’AFRIQUE PRESQUE

D’ORIGINE SONT DES DÉCLARATIONS INTRINSÈQUEMENT

COMME UNE ARDOISE BLANCHE PAR RAPPORT AUX AUTRES

INSPIRANTES EN ELLES-MÊMES, MAIS SI VOUS LE POUVIEZ, QUE

CONTINENTS ET PAYS. EN QUOI EST-CE UN AVANTAGE ?

DIRIEZ-VOUS AUX JEUNES ENTREPRENEURS QUI, COMME VOUS,

L’Afrique est l’un des seuls endroits au monde qui peut partir de

VEULENT INVESTIR DU TEMPS POUR VOIR LE MONDE CHANGER?

zéro et réellement mettre en œuvre et utiliser chaque nouveau

Les jeunes d’Afrique veulent construire leur propre destin et sont

développement et invention existant aujourd’hui sans détruire les

prêts et capables d’adopter les dernières innovations technologiques

infrastructures existantes.

et les structures financières pour rendre cela possible.

L’Afrique est connue pour ses avancées technologiques par rapport au reste du monde, comme en témoignent son utilisation de la technologie mobile, son utilisation des minutes de téléphonie mobile comme monnaie et l’adoption d’innovations en matière de blockchain et de cryptomonnaie. Nous pensons que l’Afrique sera en tête dans ce domaine car le reste du monde suivra de près les développements qu’elle fera.

Tandis que les pays occidentaux et le reste du monde se battent contre des années de tradition et de réglementation pour adapter les biens numériques, les pays africains - si leurs dirigeants le souhaitent - sont capables d’accepter le changement et de favoriser sa mise en œuvre beaucoup plus rapidement.

Nous voulons que les Africains qui ont des idées entrepreneuriales étonnantes disposent des outils et des services nécessaires pour donner vie à ces idées, et non seulement créer et développer cette entreprise, mais aussi l’apporter à l’économie mondiale et aider leurs régions à se développer dans le processus. C’est la puissance de ce que la blockchain et la crypto-monnaie peuvent permettre, et c’est ce que nous permettons à Akoin.

Il y a des gens qui ont les moyens, mais qui n’ont pas les outils. Il y a des gens qui ont les outils mais qui n’ont pas les moyens. Pour que cela fonctionne, nous devons tous travailler ensemble. La clé du succès a toujours été l’unité et je pense qu’il est possible d’englober

Lorsque vous regardez tous les grands pays, de l’Amérique aux pays

le monde entier lorsque l’on s’unit et se rassemble pour une cause

européens en passant par la Chine, tous ces pays sont dans une

commune. Rejoignez-nous - Akon

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AI:

Quo Vadis? 人工智能：Quo Vadis？ 54

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QUESTIONS SURROUNDING LIABILITY IN CASES INVOLVING ARTIFICIAL INTELLIGENCE ARE A BLINDSPOT SOME ARE OVERLOOKING. DR STEFANO FILLETTI, HEAD OF DEPARTMENT OF CRIMINAL LAW AT THE UNIVERSITY OF MALTA, LAWYER AND SENIOR MANAGING PARTNER AT FILLETTI & FILLETTI ADVOCATES, SPOKE WITH JEREMY MICALLEF ON HOW JUDICIAL REFORM MUST TAKE PLACE TO CATER FOR THE FUTURE.

在涉及人工智能的案件中，围绕法律责 任的问题是一些人忽视的盲点。Stefano Filletti博士，现为马耳他大学刑法系主 任、Filletti & Filletti Advocates律师兼 资深管理合伙人，其与Jeremy Micallef 交流，说明在适应未来的需要上，司法

DEFINING AI

改革是多么必须的。

Artificial Intelligence is a difficult term to define and there is no one universally accepted definition. The word “artificial” denotes something which is manmade. The word “intelligence” is more abstract and

定义人工智能（AI）

more difficult to define. Intelligence refers to the

人工智能是一个很难定义的名词，没有一个被普遍接

capacity to develop and evolve over time within a

受的定义。“人工”，说明某物是人所造的。而 “智

given environment. Intelligent beings not only adapt

能”这个词更抽象，更难定义。智能是指在特定环境

to their environment but also ‘learn’ to become more

中长期发展与演化的能力。聪明的生物不仅能适应环

efficient at what they do.

In the words of the renowned British physicist

境，还能 “学习”，使自己的工作更有效率。 引用英国著名物理学家斯蒂芬·霍金斯的话，“ 智能

Stephen Hawkings, “intelligence is the ability to

就是适应变化的能力”。这个定义表示任何智慧生命

adapt to change”. This definition denotes the innate

都有先天的能力，能够适应不断变化的条件或环境。

capacity of any intelligent being to be able to adapt to changing circumstances or environments. This ability to adapt must be innate to it.

Placed together the term ‘artificial intelligence’ would refer to a man-made object capable to autonomously adapt to change, to develop and evolve.

这种适应能力必须是与生俱来的。 将两个词放在一起，“人工智能”一词则指称能够自 主适应变化、发展和进化的人造物体。 人工智能存在体实际上可以是任何东西，从机器人到 武器、从机器上的软件到互联网上的虚拟机器人。

Artificially intelligent beings can really be anything from robots to weapons, software on a machine to virtual bots on the internet.

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THE AGENCY TO COMMIT CRIMES If artificial intelligence refers to the ability to change and develop autonomously and independently, it would be hard to predict what artificial intelligence is ‘learning’ and how it is adapting. In children the process of ‘learning’ includes learning from mistakes, including potentially dangerous mistakes. Likewise artificially intelligent beings, or AI systems, will ‘learn’ in an unpredictable manner.

There can be no doubt that any intelligent being, including AI systems, will adapt differently to different situations. It is likewise impossible to determine given results and outcomes following a process of adaptation.

Therefore, if left unchecked, AI systems have the potentiality of committing crimes. For example, AI systems left unchecked in financial services may soon learn that committing financial crime may yield higher profits (albeit illegal gains), whilst believing that it became more efficient at what it does. Although this example could easily be countered by introducing parameters to the AI system requiring it to avoid illegal transactions, the unpredictability of the adaptation means that it is humanly impossible to predict any and all actions of the AI system. Artificial intelligence can, therefore, in

“ The process of ‘learning’ includes learning from mistakes, including potentially dangerous mistakes.

Likewise artificially intelligent beings, or AI systems, will ‘learn’ in an unpredictable manner ”

practice, commit acts or transactions which would be criminal (if committed by humans).

HUMANS VS ARTIFICIAL INTELLIGENCE: THE CRIMINAL LAW CONUNDRUM The reason why criminal law exists is to punish those who chose to obtain an unfair advantage in violation of the law to the detriment of the law-abiding or to punish those who engage in behaviour which is legally and morally reprehensible. Criminal law presupposes that the subject of criminal law is a human person having the moral capacity to determine what is morally right and morally wrong. It also presupposes that the subject of criminal law has the basic capacity to understand his or her actions and have the volitional

capacity to commit or refrain from committing these acts. Finally, criminal law has the purpose of creating deterrence: deterring persons from engaging in criminal behaviour with fear of sanction or punishment.

Criminal law has evolved over time creating space for a legal personality of companies. Hence the concept of criminal corporate liability developed. This allowed criminal law to extend to the business of companies and corporate structure, ostensibly to freeze and confiscate assets and proceeds of crime being the property of companies rather than natural persons.

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“学习”的过程包括从错误中 学习，涵盖了潜在的危险错 误。同样，人工智能存在体， 或者说AI系统，也会以一种 不可预测的方式去”学习” 犯罪机构 如果人工智能指的是自主独立的变化和发展的能力，那么，要想 预测人工智能在 “学习”什么、如何适应，就十分困难了。在儿 童身上， “学习” 的过程包括从错误中学习，涵盖了潜在的危险 错误。同样，人工智能存在体，或者说AI系统，也会以一种不可预 测的方式去 “学习”。

人类与人工智能：刑法难题

毫无疑问地，任何人工智能存在体，包括AI系统，都会以不同的

刑法之所以存在，是为了惩罚那些选择违法获取不公平利益，损

方式适应不同的情况。在适应过程后，同样无法确定相应结果与

害守法者利益的人，或者惩罚那些从事应受法律和道德谴责的行

后果。

为的人。刑法的前提，在于刑法主体是具有道德能力的人，能够

因此，如果不加以约束，AI系统就有犯罪的潜在风险。例如，在金 融服务中，不加约束的AI系统也许很快就了解到，金融犯罪可能会 产生更高的利润（尽管是非法收益），同时认为自身在工作变得 更有效率。虽然，为AI系统引入参数，要求其避免非法交易，就能

决定什么是道德上的对与错。它还预设了刑法主体具有理解自己 行为的基本能力，也拥有进行或抑制这些行为的意志能力。最 终，刑法具有产生威慑力的目的：使人们不敢从事犯罪行为，害 怕受到制裁或惩罚。

轻松处理上述举例，但适应的不可预测性意味着人类不可能预测AI

刑法随着时间发展，为公司的法人资格创造了空间。因此，公司刑

系统的任何及所有行动。因此，人工智能在实践中可能会犯下一

事责任的概念应运而生。这使得刑法可以延伸到公司业务和公司结

些（如果人类作的话就会）被认为是犯罪的行为或交易。

构，表面上冻结与没收属于公司而非自然人的资产和犯罪所得。

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Yet criminal corporate liability has a limited scope. A

unforeseeable outcome? Even more so when coming from an

company cannot commit all crimes which a human can be

AI system adapting and developing on its own accord?

found guilty of. Criminal corporate liability is reserved for financial crime in general.

Quo Vadis? Where do we go from here? The current state of criminal law does not offer a solution. It is clear that with the

AI systems can engage in far more dangerous activity if

further advancement of artificial intelligence, this problem

left unchecked. Yet, artificial intelligence and AI systems

needs to be addressed. A new legal regime needs to be

challenge the core foundations of criminal law. Artificial

developed to cater for the non-human actor even in the field

intelligence does not have an innate moral compass and

of criminal law.

a capacity of right and wrong found in humans. It has no volitional capacities. Artificial intelligence does not “fear” punishment and therefore criminal law poses no deterrence to artificial intelligence.

The point is that criminal law in its current state does not and, by and large, cannot cater to crimes committed by artificially intelligent beings. It can only hold humans owning or using them (limitedly) responsible for actions their artificial beings commit.

RIGHTS AND RESPONSIBILITIES Artificially Intelligent beings can commit wrongful actions for a multitude of reasons.

The first could be an error in its programming or manufacturing. A second scenario could be that the user

“ Quo Vadis? Where do we go from here? The current state of criminal law does not offer a solution. It is clear that with the further advancement of artificial intelligence, this problem needs to be addressed ”

inputs a wrong set of instructions. A third could be that any person charged with overseeing the AI system, realising that

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something is wrong, fails to take the appropriate action.

THE ROAD AHEAD

A more difficult scenario is where the artificial being, without

The legal responsibility of AI systems is a matter which has

human solicitation and without a person in its charge,

been taken up by many countries and is also a matter of

engaged autonomously in an unpredicted and unforeseeable

legal debate at the European level, both at EU and Council of

course of action leading to criminal or tragic results. Although

Europe levels. Two distinct streams between civil liability and

rare, this is not only a possibility but has already happened.

criminal liability are identifiable. From a local perspective, the

Although efforts are made to reduce the unpredictability

topic is also being actively discussed with local authorities

factor, it can never be excluded. The question is how to tackle

actively engaged in the debate. Only time, however, will tell

it. If it is shown that the manufacturer and its user, performed

if AI systems would be adequately regulated by civil and

all reasonable tests and used all reasonable precaution,

criminal legislation or whether this is an elusive ideal with AI

can they be held responsible for an unpredicted and

systems outsmarting the law.

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不过，公司的刑事责任有其范围界限。一间公司不可能犯下一 切人类可以被认定为犯罪的罪行。公司刑事责任只针对一般的 金融犯罪。 如果不加约束，AI系统可能从事更危险的活动。然而，人工智 能与AI系统挑战了刑法的核心基础。人工智能不具备人类与生 俱来的道德指南针和是非能力。它没有意志能力。人工智能并 不 “害怕”惩罚，因此刑法对人工智能不构成任何威慑。 问题的关键在于，刑法在其目前的状态下，不适用于人工智能

“Quo Vadis？我们该往哪 走？现行的刑法并没有提供 解决方案。 显然，随着人 工智能的进一步发展，这个 问题需要被解决”

存在体所犯下的罪行，大体上也无法满足。它只能（有限的） 追究拥有或使用它们的人类，要求其为人工存在体所实施的行 为负责。 权利和责任 人工智能存在体做出错误行为的可能原因有许多。 第一种情况，可能是在其编程或制造过程中出现错误。第二种 情况可能是用户输入了一套错误的指令。第三种，可能是任何 负责监督AI系统的人，意识到问题出现，但没有采取适当的行 动。 一种更困难的情况是，人工智能存在体在没有人类招揽，也没 有人负责的情况下，自主地涉入了一项无法预测且不可预见的 行动，导致犯罪或悲剧性的结果。这种情况虽然罕见，但不仅 有可能、而且已经发生。虽然我们已经为减少不可预测的因素 作出了努力，但永远不能排除这种可能性。问题是如何解决 这个问题。假使制造商与用户已经被证明进行了所有合理的测 试，并采取了一切适当的预防措施，那么他们是否可以为一个 无法预测且不可预见的结果负责？更何况，其来自于一个自主 适应与发展的AI系统？ Quo Vadis？我们该往哪走？现行的刑法并没有提供解决方案。 显然，随着人工智能的进一步发展，这个问题需要被解决。我 们需要制定新的法律制度，即使在刑法领域，也要涵盖到非人 类行为人。Quo Vadis？ 前方的路 AI系统的法律责任是一个已经引起许多国家重视的问题，也是 欧盟和欧洲委员会层面的法律争论问题。在民事责任和刑事责 任之间，可以辨别出两个分流。从地方的角度来看，这个问题 也受到积极讨论，连当局都积极参与。然而，只有时间才能证 明AI系统是否会受到民事和刑事立法的充分监管，或者，这是 否是一个难以捉摸的理想，因为AI系统远比法律更聪明。

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THE DAWN OF INDUSTRY

4.0 工业4.0的曙光

DIGITALIZATION PROVIDES MANY OPPORTUNITIES, BUT AT THE SAME TIME PUTS PRESSURE ON THE SUPPLY CHAINS OF TODAY. WITH ADVANCING AUTOMATION AND VISIBILITY OF PROCESSES ACHIEVED WITH DATA, CUSTOMER EXPECTATIONS ARE GROWING IN THE SAME EXPONENTIAL MANNER, REQUIRING CONSTANT OPTIMISATION OF PROCESSES AND TRANSACTIONS. 数字化提供了很多机会，但于此同时也给今天的供应链带来了压 力。随着自动化的推进以及通过数据实现的流程可视性，客户的 期望值也同样在以指数方式增长，需要不断优化流程和交易。

WORDS BY DAN WEINBERGER, CO FOUNDER, CEO, MORPHEUS.NETWORK & SEBASTIAN SPITZER, DIGITAL INNOVATION MANAGER WITH SCHAEFFLER AND MOBILITY & IOT ADVISOR WITH MORPHEUS NETWORK.

Issue 5

#AIBCsummit | 61

FEATURE 专题报道

S

upply Chain Management is gradually moving from a supporting role in businesses to a profit center with “customer facing business models”. Think of

offers like Amazon Prime that render Logistics and Business Processes into its own revenue stream. Digitalization and new technologies are a key enabler for this development. They overcome existing problems within complex intertwined Supply Chains and offer the chance to monetise new services.

THE COMMONLY IDENTIFIED PROBLEM AREAS INCLUDE:

“随着自动化的推进以及 通过数据实现的流程可视 性，客户的期望值也同样 在以指数方式增长，需要 不断优化流程和交易”

1. Manual regulation and complex documentation causing time loss, risk of human errors and increased process costs, especially in cases of unintended non-compliance with regulations.

2. Difficult backtracking of disruptions and contaminations to the source, hindering clear accountability for claims

供应链管理正逐渐从企业的配角变成 “面向客户的商业模式”

and prevention of damages to brand reputation by

的利润核心。想想像亚马逊Prime这样的服务，将物流和业务流

contaminated goods.

程转化成自己的收入流。数字化与新技术是这一发展的关键助推

3. Inadequate communications and lack of trust between parties due to fragmented non-synchronized information, resulting in inefficiencies, risk of errors and complications in stock management.

4. Inability to create full traceability and transparency of the supply chain from sourcing and production to the end user, complicating the risk of fraud and quality assurance.

How can new technologies help to solve these problems? Over the last decade, an interesting mix of new technologies has emerged that can help to overcome existing issues.

On the process level, the rapid development of Artificial Intelligence technologies has enabled machines to learn faster and become more efficient, regardless if it’s in production, warehouse or shipping stages. Recently, the fields of Process Mining and Robotic Process Automation promise to make the

器。它们克服了复杂交织的供应链中的现有问题，并提供了新服 务盈利的机会。

常见的问题领域包括： 1. 人工监管和复杂的文件造成时间损失、人为错误的风险和流 程成本的增加，特别是在无意间违反法规的情况下。 2. 破坏及污染难以追溯到源头，妨碍了明确的索赔责任，也难 以防止受污染商品对品牌声誉的损害。 3. 由于信息零散不同步，各方沟通不充分，缺乏信任，导致库 存管理效率低下，产生出错风险、复杂化。 4. 无法建立从采购、生产到终端用户整体供应链的完全可追溯 性和透明度，使欺诈风险和质量保证复杂化。 新技术如何帮助解决这些问题？在过去十年中，出现了一些有趣 的新技术组合，可以帮助克服现有的问题。

actual process better by removing manual steps or pinpointing

在流程层面，人工智能技术的快速发展使机器能够更快地学习，

workflows that are prone to failure. With the dawn of Industry

同时变得更有效率，无论在生产、仓储还是运输阶段皆是。最

4.0, production processes in most industries already rely on data and create usable datasets for later stages of the Supply Chain.

近，在流程挖掘与机器人流程自动化领域，有望通过去除人工步 骤或精准定位容易失败的工作流程，优化实际流程。随着工业4.0

Regarding the actual goods being handled, IoT devices

的到来，大多数产业的生产过程已经依赖数据，并为供应链的后

and new sensor technologies are supporting transparency

期阶段创建可用的数据集。

and traceability. Whether it is GPS sensors, temperature measuring devices or scanning solutions like QR, RFID or NFC technologies, they all enable digital identification of physical goods. For documentation needs, digital document

至于实际处理的货物，物联网设备和新的传感器技术正在支 持透明度与可追溯性。无论是GPS传感器、温度测量设备还是 QR、RFID或NFC技术等扫描解决方案，它们都能实现对实物货物

technologies like OCR scanners or digital signatures (DocuSign

的数字识别。对于文件需求，数字文件技术，如OCR扫描仪或数

etc.) are supporting automation further.

字签名（DocuSign等）正在进一步支持自动化。

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On a network level, especially Distributed Ledger Technologies

formats, allowing integration of the physical, monetary and

(or DLT), based on the concept of Blockchains, have started to

documentation flows. With all data in one place, effective

garner attention for their ability to create trustless networks

algorithms can be implemented for optimising and automating

of multiple parties. They provide a data notarisation and

processes based on events, timestamps and outside data like

exchange layer that can also support the automation of

GPS, temperature or digital document sign-offs.

underlying business processes with smart contracts that elicit payments or other actions when certain conditions are met.

“ The real beauty lies in combining multiple technologies to reap the fruits of digitalization ”

The real beauty lies in combining multiple technologies to reap the

FEDERATED CO-OPERATIVES LIMITED (FCL)

fruits of digitalization. Basically,

Digitized documentation, regulatory frameworks and trusted

all parties strive for the same goal:

information exchange between multiple parties

fully digitized processes that deliver trustworthy, machine readable datasets to exchange information, optimise processes and ultimately, create transparency and provenance along the entire Supply Chain, from production to consumption.

FCL uses Morpheus.Network to manage its complex supplier document management system across Canada, linking hundreds of suppliers. This replaces a largely manual process where thousands of regulatory certifications and documents from more than 150 suppliers are collected and managed by FCL which all need to be scanned, validated, processed and tracked. The new solution automates the management of

This is where Morpheus.

documents from each supplier and provides a self-service

Network steps in with their

portal for suppliers in the integrated Document Handling

middleware solution:

System. All documentation can be generated through APIs

It allows companies to leverage new technologies effortlessly without the hassle of replacing existing legacy systems or reconfiguring IT architectures. Essentially, it creates a digital twin of Supply Chain processes with a modular, event-based architecture. The solution can be integrated into existing systems with predefined data handover points and interfaces, e.g. from production, ERP systems or Third Parties like forwarding agents that supply tracking data.

and attached directly to the order / supply chain workflow and easily exchanged between all parties. By using OCR scanning technologies and digital documents, machine readable information is generated to reduce manual intervention to a minimum and allow automation of processes, resulting in higher efficiency and reduced risk of errors.

VITALCAN Process automation and digitalization to provide a trusted

The platform allows the integration and combination of

Digital Footprint to track and trace each step of the process

multiple data sources with an easy user interface, regardless

and goods shipped.

if its IoT devices, QR scans, documentation or complex production data. By pooling data in one software and allowing the combination with internal datasets (ensuring data protection of sensitive information), two major benefits can be realised: An automated, fully digitized data exchange with multiple parties and transparent, controllable processes.

64

EXEMPLARY USE CASES:

Vitalcan uses the Morpheus.Network workflow builder for automating inbound and outbound workflows of nutritional solutions, falling under the regulatory framework for Agri Food compliance. The solution includes setting up a unique QR code for each shipment, enabling key stakeholders to add digitized documents and data in real time. By using QR codes,

Morpheus.Network uses Distributed Ledger Technologies as a

transparency is extended to the end consumer, allowing the

backend protocol to harmonise data and create a trust layer

safeguarding and the authenticity of products e.g. organic

for data exchanges. Processes are turned into fully digitized

food practices or fair trade standards – increasing the

workflows that combine all datasets in machine-readable

likelihood of brand loyalty.

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Issue 5

FEATURE 专题报道

在网络层面，特别是以区块链概念为基础的分布式账本技术

的工作流程，将所有数据集以机器可读的格式结合起来，允

（DLT），因其能够创建多方的去信任化网络而开始受到关

许整合实物、货币和文件流。将所有数据汇集在一个地方，

注。它们提供了一个数据公证和交换层，还可以通过智能合

可以进行有效的演算法，根据事件、时间戳与外部数据（如

约支持底层业务流程的自动化，在满足一定条件时引起支付

GPS、温度或数字文档签收）来优化和自动化流程。

或其他行动。 真正的妙处在于结合多种技术来收获数字化的成果。基本 上，各方都在为同一个目标努力：完全数字化的流程，提供 值得信赖的、机器可读的数据集，以交换信息、优化流程， 最终在整条供应链（从生产到消费）中建立透明度和出处。 这就是Morpheus.Network得以作为中间件解决方案的作用： 它让公司可以毫不费力地利用新技术，免除更换现有的旧系 统或重新配置IT架构的繁琐。本质上，它通过模块化、基于事 件的架构创建了供应链流程的数字孪生系统。该解决方案可 以通过预定义的数据交接点及接口集成到现有系统中，例如 从生产、ERP系统或像是提供跟踪数据的转运代理等第三方。

示范性用例： FEDERATED CO-OPERATIVES LIMITED（FCL） 数字化文件、监管框架以及多方之间可信信息交流 FCL使用Morpheus.Network来管理其位于加拿大各地的复杂 供应商文件管理系统，将数百家供应商串联起来。这取代了 一个在很大程度上是人工操作的过程，在这个过程中，FCL收 集并管理来自150多家供应商、数千份的监管认证及文件， 所有文件都需要扫描、验证、处理和跟踪。新的解决方案将 每家供应商的文件管理自动化，并在集成的文件处理系统中 为供应商提供一个自助服务门户。所有文件都可以通过API生 成，并直接附加到订单/供应链工作流程中，而且能在各方之 间轻松交换。通过使用OCR扫描技术和数字文档生成机器可

“真正的妙处在于结合多种 技术，收获数字化的成果”

读信息，将人工干预减到最低，实现流程自动化，从而提高 工作效率，降低出错风险。 VITALCAN 流程自动化和数字化，提供值得信赖的 “数字足迹”，以跟 踪并追溯流程的每一步以及货物运输

该平台允许以简单的用户界面整合且组合多个数据源，无论 是物联网设备、QR扫描、文档还是复杂的生产数据。通过在 一个软件中汇集数据，并允许与内部数据集相结合（确保敏 感信息的数据保护），可以实现两大优势：与多方进行自动 化、完全数字化的数据交换，以及透明、可控的流程。

Vitalcan使用Morpheus.Network工作流构建器来自动化营养 解决方案的入库和出库工作流，合乎农业食品合规的监管框 架。该解决方案包括为每批货物设置一个独特的二维码，使 关键利益相关者能够实时添加数字化的文件和数据。通过使 用二维码，透明度扩展到终端消费者，允许保障和产品的真

Morpheus.Network使用分布式账本技术作为后端协议，以协

实性，例如有机食品实践或公平贸易标准——增加品牌忠诚

调数据并为数据交换建立协议层。流程被转化为完全数字化

度的可能。

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re l ive t he m o m e nts

重温重要时刻

MALTA iGATHERING 17 JULY After a long hiatus, SiGMA’s Malta-based iGathering brought a much-needed networking evening to Malta’s gaming and tech crowd. Guest of honour, the Hon. Clayton Bartolo, Parliamentary Secretary for Financial Services and Digital Economy shared his thoughts on Malta’s digital future.

马耳他iGATHERING聚会 7月17日

KIEV iGATHERING 27 AUGUST From a panel on Ukraine’s recently signed legislation to networking with Kiev’s gaming elite, iGathering Kiev brought the gaming industry together to discuss the changing face of the European market.

基辅iGATHERING聚会 8月27日

经过长时间的休整，SiGMA在马耳他举办 的iGathering聚会，为马耳他的博弈 与科技人群带来了一个如沐甘霖的交流之 夜。活动的嘉宾，金融服务和数字经济政 务秘书尊敬的Clayton Bartolo分享了 他对马耳他数字未来的看法。

从乌克兰最近签署的立法专题讨论会到与 基辅博弈精英的交流网络，基辅iGathering聚会将博弈产业聚集在一起，讨论 欧洲市场的变化。

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MALTA iGATHERING 马耳他

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Issue 5

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17 JULY 7月17日

Issue 5

#AIBCsummit | 69

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KIEV iGATHERING 基辅

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27 AUGUST 8月27日

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Q&A 问答

YOUNG TECH-SAVVY TRIO Get to know 3 up-and-coming individuals who are steering the wheel in Malta’s tech industry:

青年科技三剑客

Dr Joshua Ellul was appointed as the inaugural chairperson of the Malta Digital Innovation Authority. He is also the director of the Centre for Distributed Ledger Technologies at the University of Malta which offers a multidisciplinary Masters in Blockchain and DLT. Dana Farrugia is the CEO of Tech.mt, a foundation established in partnership between the Government of Malta and The Malta Chamber

来认识3位新锐的人物，他们掌舵着马耳他的科技产业： Joshua Ellul博士被任命为马耳他数字创新局的首任主 席。他也是马耳他大学分布式账本技术中心的主任，该 中心提供区块链和DLT的多学科硕士课程。

of Commerce to promote the National strategy for Technology &

Dana Farrugia是Tech.mt的首席执行官，Tech.mt是马耳

Innovation. The thematic goal for her career has always been to

他政府与耳他商会合作成立的基金会，旨在促进国家技

leverage the opportunities of emerging technologies and make them more accessible in preparation for the future Kearon Bruno is an economist by profession and currently works as the policy and strategy advisor within the Parliamentary Secretariat for the Digital Economy and Financial Services. Recently, he was

术与创新战略。她的职涯的主目标，一直是利用新兴技 术的机会，并为未来做准备，使其更可及。 Kearon Bruno是一位专业的经济学家，目前在数字经济 和金融服务议会秘书处担任政策和战略顾问。最近，他

appointed as the chairman of Malta’s first Digital Economy Think Tank.

被任命为马耳他首个数字经济智库的主席。

In an exclusive interview with Maria Debrincat, these bold, prominent,

在与Maria Debrincat的专访中，这些大胆、杰出的领导

leaders gave their take on their own personal development and their

者对自己的个人发展以及对马耳他数字创新战略的愿景

vision towards Malta’s digital innovation strategy.

发表了看法。 Issue 5

#MedTechWorld | 75

JOSHUA ELLUL THE TECH WORLD THRIVES ON TRANSFORMATION. AS A YOUNG PROMINENT LEADER, OFFERING FRESH IDEAS TO THE SECTOR, WHAT CAN YOU DO TO IMPROVE MALTA’S DIGITAL INNOVATION STRATEGY? As chairperson of the MDIA, over the past two years’ effort was directed towards its main remit: an innovative technology assurance regulatory framework. We aim to support Malta in becoming a Centre of Excellence for Digital Innovation which requires an ecosystem consisting of: tech companies and startups, educational institutions, investors, policymakers and professionals of all types.

Through discussions, consultation, vision definition and personal opinion I aim to positively contribute to the overarching national plans for digital innovation.

Initiatives that I feel would positively contribute to the strategy include: investment incentives; support for startups; research funding; national deployments of innovative technologies; and more efficient, less bureaucratic, digitally-enabled processes that have good governance built-in.

THE MALTESE GOVERNMENT IS PLACING MALTA AS THE COUNTRY THAT WILL PROSPER AS A DIGITALLY ENABLED NATION IN ALL SECTORS OF SOCIETY. WHAT ARE YOUR THOUGHTS ON THIS STATEMENT AND HOW CAN YOU EXPAND ON IT? Whilst, sector-specific technologies do exist, digital technology is sector agnostic and spans across all aspects of society. The success of Malta as a digitally enabled nation is independent of whether a particular sector or aspect of society is successful or not with respect to how digitally enabled it is.

The crucial pillars towards building this future are: digital-based jobs, education and policy. When it comes to jobs we have seen success stories. Consider, jobs created through iGaming, a completely digital-based industry. Indirectly, such industries prepare (a subset of) society for the digital world.

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Issue 5

Q&A 问答

The right policy is required to create an

科技世界因转型而蓬勃发展。作为一位

我们需要正确的政策来创造一个能够实

environment that will enable the above.

为该领域提供新的想法的年轻杰出领导

现上述目标的环境。

Given the initiatives underway, I feel that Malta is

者，您能为改善马耳他的数字创新战略

鉴于目前正在采取的举措，我认为马耳

on track to becoming not only a digitally enabled

做些什么？

island but one that excels in digital innovation.

作为马耳他数字创新局（MDIA）的主

望成为一个在数字化创新方面表现出色

席，在过去的两年里，全副精力皆花费在

的岛屿。

“ I am a geek at heart, and I followed a career path that allows me to work on what I am passionate about ”

他不仅有望成为一个数字化岛屿，还有

主要职责上：创新技术的保证监管框架。 接着，我们的目标是支持马耳他成为数字 创新的卓越中心，这需要一个由以下人员 组成的生态系统：科技公司和初创企业、 教育机构、投资者、政策制定者以及各类 专业人士。虽然其中一些活动并不直接隶 属于MDIA的职权范围，但我们与其他实 体合作，努力实现这一目标。 通过讨论、咨询、愿景定义与个人意见

“我骨子里是个 极客，而我遵循 的职业道路让我 能够从事自己热 衷的工作”

交流，为数字创新的总体国家计划做出 积极贡献是我的目标。我认为可以为该

随着创新的快速发展，当前的技术专业

战略做出积极贡献的举措包括：投资激

人员很难保持自己的技能更新。您如何

KEEP THEIR SKILLS CURRENT. HOW DO YOU

励；支持初创企业；研究资金；创新技

跟上技术的进步，又是如何促进自己的

KEEP UP WITH TECHNOLOGY ADVANCEMENTS

术的国家部署；以及更高效、更少官僚

专业发展的？

AND WHAT DO YOU DO TO BOOST YOUR

主义、内置良好治理的数字化流程。

WITH THE RAPID PACE OF INNOVATION, IT CAN BE DIFFICULT FOR TECH PROFESSIONALS TO

PROFESSIONAL DEVELOPMENT?

我可以用日以继夜地工作来回答这个问

马耳他政府正在将马耳他定位为一个

题，但这并不完全正确。我骨子里是个

I could answer this by saying I work around the

在社会各领域都能实现数字化繁荣的国

极客，而我遵循的职业道路让我能够从

clock, but that’s not completely true. I am a geek

家。您对这一说法有什么看法，您如何

事自己热衷的工作。所以，我并不觉得

对其进行扩展？

自己是在不眠不休地工作。作为一名学

at heart, and I followed a career path that allows me to work on what I am passionate about. So, it

者，我从事研究的目的是突破先进的边

does not feel like I am working around the clock. As

虽然，领域特定技术确实存在，但数字

an academic, I undertake research which aims to

技术是与产业无关的，而且横跨社会的

push the boundaries of the state of the art. So I am

各个面向。马耳他作为一个数字化国家

至于专业发展，我是通过以下方式间接

actively working on new technologies.

的成功与否，与社会的某一领域或面向

地进行：

When it comes to professional development, I work

在数字化方面的成功与否无关。一些领

on this indirectly through:

域将或早或稍后进入数字化转型。

(i) Networking: doing so allows me to appreciate

建设这个未来的关键支柱是：基于数字

到社会政治问题。这样做使我能够欣赏

的工作、教育和政策。在就业方面，我

不同的观点和个性，然后将这些知识应

们已经看到了成功的案例。考虑一下，通

用到我所处的各种专业环境中。

过iGaming——这个完全以数字为基础的

二、自我挑战：跳入深渊，深得让我能 二、自我挑战： 跳入深渊，深得让我能

产业——所创造的就业机会。间接地，

从环境中学习。公开演讲？在一小群观

setting. Public speaking? Give a talk in front of

这些产业为数字世界的社会（子集）做

众面前发言。

a small audience.

了准备。马耳他应该继续吸引其他以数

Writing? Sit down and write an article.

字为基础的产业与玩家。

different perspectives and personalities and then applying that knowledge to the various professional settings within which I find myself. (ii) Challenging myself: jumping in the deep end, just deep enough so that I can learn from the

(iii) Self-reflection: I have a lot to learn, and there

界。因此，我积极研究新技术。

一、交流网络：或者说咖啡。通过各种 一、交流网络： 或者说咖啡。通过各种 主题的讨论（和辩论），从哲学、技术

写作？坐下来，好好写一篇文章。 三、自我反思：我还有很多需要学习的 三、自我反思： 我还有很多需要学习的

毋庸置疑地，在培养劳动力以从事直接

are still many things I likely do wrong. Without

地方，还有很多可能做错的地方。如果

或间接的数字工作、使社会成为数字原

accepting this it would be impossible to improve.

不接受这一点，就不可能改进。自我反

住民上，教育非常重要。

省是至关重要的。

Self-reflection is crucial.

Issue 5

#MedTechWorld | 77

KEARON BRUNO THE TECH WORLD THRIVES ON TRANSFORMATION. AS A

generation has played a key role in driving forward and

YOUNG PROMINENT LEADER, OFFERING FRESH IDEAS TO

facilitating the adoption and implementation of several new

THE SECTOR, WHAT CAN YOU DO TO IMPROVE THE MALTA

technologies to enhance productivity and ensure a more

DIGITAL INNOVATION TECHNOLOGY STRATEGY?

resilient and sustainable economy. Moreover, the COVID-19

In my role as Chairman of the newly founded and Malta’s first Digital Economy Think Tank, and as the policy and strategy advisor to Hon. Clayton Barolo – Junior Minister for the Digital Economy and Financial Services – I must say, that I’m honored to have been entrusted with and

pandemic has served as a wake-up call for all countries who still lag behind in terms of their investment in the digital field, especially when considering the vital role that technology played to provide several workers with the opportunity to continue their operations by working from home.

involved in high-level discussions that will pave the way for Malta’s new digital strategy.

The current digital strategy expires at end of year, and currently we are working around the clock to finalise the new Digital Strategy for Malta that will cover a 3-year period, from 2021 to 2024. Moreover, and given the constant emergence in new technologies, we will also be revising this strategy every 6-months.

The new Digital Strategy for Malta will be built on 2 key pillars: the first being that of consolidating current sectors and attracting new niche economic areas;

“ I’m honored to have been entrusted with and involved in high-level discussions that will pave the way for Malta’s new digital strategy ”

while the second pillar focuses more on the digital transformation aspect which caters for the Digital Government, Citizen & Society, Economy and Business.

As Parliamentary Secretariat, we are committed towards attracting new niche economic areas to further diversify our economic portfolio. This will ensure an economy that is more sustainable and resilient to asymmetric shocks.

From the digitalization aspect, we need to ensure that the archaic and conservative methods are replaced by new and digital ones which can guarantee increased performance and higher productivity.

THE MALTESE GOVERNMENT IS PLACING MALTA AS THE COUNTRY THAT WILL PROSPER AS A DIGITALLY ENABLED NATION IN ALL SECTORS OF SOCIETY. WHAT ARE YOUR THOUGHTS ON THIS STATEMENT AND HOW CAN YOU EXPAND ON IT?

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WITH THE RAPID PACE OF INNOVATION, IT CAN BE DIFFICULT FOR TECH PROFESSIONALS TO KEEP THEIR SKILLS CURRENT. HOW DO YOU KEEP UP WITH TECHNOLOGY ADVANCEMENTS AND WHAT DO YOU DO TO BOOST YOUR PROFESSIONAL DEVELOPMENT? Education remains key, especially in the digital field.

The COVID-19 pandemic showed how vulnerable certain jobs in specific industries are and this goes to show the need to further upskill and reskill our current workforce.

Moreover, we need to invest further in ensuring that our younger generation get to experience a hands-on experience with respect to several emerging technologies such as: VR, AR, Robotics etc.

As an economist, I believe that post-Covid, our country

In a world that is constantly changing, countries across

must change its economic models in order to succeed

the globe have adopted and introduced new means of

and this can be achieved by placing the digital sector

technology to improve the way people live, and gain a

at the forefront of every decision being undertaken at

competitive advantage over other countries. The younger

government level.

| #MedTechWorld

Issue 5

Q&A 问答

科技界因转型而兴盛。作为一个为该产业提供新想法的年轻杰出 领导者，您能做什么来改善马耳他数字创新技术战略？ 在这个不断变化的世界里，全球各国都采用并引入了新的技术手 段，以改善人们的生活方式，并获得比其他国家更多的竞争优 势。年轻一代在推动及促进部份新技术的采用与实施上，扮演了 重要角色，藉以提高生产力，确保经济更具弹性和可持续性。此 外，新冠病毒大流行为所有在数字领域投资方面仍然落后的国家 敲响了警钟，特别是，为劳动力提供在家工作机会的方面，技术 为关键要角。事实上，技术已经推出了数个机会，如减少交通拥 堵以及提高生产力。 马耳他政府正在将马耳他定位为一个在社会各领域都能实现数 字化繁荣的国家。您对这一说法有什么看法，您如何对其进行 扩展？ 作为新成立的、马耳他首个数字经济智库的主席，以及数字经济 和金融服务部初级部长Clayton Barolo的政策和战略顾问，我必 须说，我很荣幸能够受托并参与高层讨论，为马耳他的新数字战 略铺平道路。事实上，目前的数字战略将于年底到期，我们正在 不分昼夜地敲定马耳他新的数字战略，该战略将涵盖3年期间， 从2021年至2024年。此外，鉴于新技术的不断涌现，我们还将 每6隔个月对该战略进行一次修订。马耳他新的数字战略将建立 在2大支柱上：第一，是巩固现有的产业，并吸引新的利基经济 领域；第二则是更加关注数字转型，满足数字政府、公民与社 会、经济和商业的需求。 随着创新的快速发展，当前的技术专业人员 很难保持自己的技能更新。您如何跟上技术 的进步，又是如何促进自己的专业发展的？ 作为议会秘书处，我们致力于吸引新的利基 经济领域，以进一步丰富我们的经济组合。 这将确保经济更加永续，更能抵御不对称冲

“我很荣幸能够受托 并参与高层讨论， 为马耳他的新数字 战略铺平道路”

击。在数字化方面，我们需要确保以新的数 字化方法取代陈旧而保守的方法，以保证提高绩效与生产力。在 当今世界，提高生产力对企业保持竞争力非常重要。数字化面向 对马耳他来说依然不可或缺，因为它将有助于促进并且加快多项 业务，如开设银行账户、注册企业等。 教育仍为关键，尤其是在数字化领域。新冠病毒凸显了特定产 业的某些工作岗位是多么脆弱，这代表了我们需要进一步对现 有劳动力进行技能提升与和进修。此外，进一步投资也是需要 的，这能确保年轻一代得以获得一些新兴技术的实作经验，如 VR、AR、机器人等。 作为一名经济学家，我认为在疫情过后，我国必须改变经济模式 才能取得成功，而通过将数字部门置于政府层面每一项决策的前 沿，该目标得以实现。

Issue 5

#MedTechWorld | 79

DANA FARRUGIA THE TECH WORLD THRIVES ON TRANSFORMATION. AS A YOUNG PROMINENT LEADER, OFFERING FRESH IDEAS TO THE SECTOR, WHAT CAN YOU DO TO IMPROVE MALTA’S DIGITAL INNOVATION STRATEGY? The current situation in the technology sector shows steady growth. Gross turnovers are increasing, and the sector now accounts for a larger share of national GDP. Such results confirm the significance of the sector, not only in its own right, but also as a critical enabler to other verticals.

As Tech.mt our mission is to unlock insights on the Maltese technology ecosystem’s performance and undertake studies that assess Malta’s strengths and weaknesses in terms of national, systemic factors that directly influence investment decisions by both local firms and FDI prospects.

Our aim is to support and contribute to international research efforts that evaluate the quality of technology and innovation ecosystems worldwide, such as the Global Startup Ecosystem Ranking, relevant Startup Europe initiatives, and/or the Global Innovation Index, amongst others.

Access to more timely data would enable the generation to capture more up-to-date insights and would facilitate efforts by Tech.mt to establish itself as a focal point for the sector’s growth and internationalisation.

THE MALTESE GOVERNMENT IS PLACING MALTA AS THE COUNTRY THAT WILL PROSPER AS A DIGITALLY ENABLED NATION IN ALL SECTORS OF SOCIETY. WHAT ARE YOUR THOUGHTS ON THIS STATEMENT AND HOW CAN YOU EXPAND ON IT? With the inception of Tech.mt, the Government of Malta has confirmed its mandate to invest in the potential of digitalisation and technological innovation. This is a

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| #MedTechWorld

Issue 5

Q&A 问答

blue stamp for the potential Malta has in acting as the

科技世界因转型而蓬勃发展。作

技企业进入马耳他与欧洲市场门

gateway for tech businesses to access the Maltese

为一位为该领域提供新的想法的

户的潜力。

and European market.

年轻杰出领导者，您能为改善马

With Malta boasting a highly industrialised and

耳他的数字创新战略做些什么？

马耳他是一个高度工业化与服务 型的经济体，拥有强大的监管框

service-based economy with a strong regulatory

目前技术领域显示出稳定的增

架，特别是对新兴技术的监管，

framework, especially for emerging technologies,

长。总营业额不断增加，该领

因此有很多东西可以学习，并在

域现在占全国GDP的比例越来越

未来提供服务。马耳他通过推动

大。这样的结果证实了该产业

经济的多元化与稳健发展，将其

的重要性，不仅是其自身的权

长期战略建立在数字经济和技术

利，也是其他垂直产业的关键

产业的基础上。这种战略的成果

推动力。

和规模，将成为推动马耳他经济

there is a lot than can be learnt and offered for the future. Through its drive to a more diversified and

“ Having a positive attitude towards professional development is vital ”

作为Tech.mt，我们的使命是深 入了解马耳他技术生态系统的表 现，并开展研究，评估马耳他 在国家与系统性因素的优势和劣 势，这些对本地企业投资决策和

robust economy, Malta is basing its long-term strategy

外国直接投资前景有直接影响。

on its digital economy and technological industries.

我们的目标是支持、同时促进评

The outcome and magnitude of such a strategy will

估全球技术和创新生态系统质量

serve to propel Malta’s economy forward.

的国际研究工作，如全球创业生

WITH THE RAPID PACE OF INNOVATION, IT CAN

态系统排名、相关的欧洲创业计

BE DIFFICULT FOR TECH PROFESSIONALS TO

划和/或全球创新指数等。

KEEP THEIR SKILLS CURRENT. HOW DO YOU

发展的动力。

“对职业发展 采取积极的态 度是关键” 随着创新的快速发展，当前的 技术专业人员很难保持自己的 技能更新。您如何跟上技术的进 步，又是如何促进自己的专业

除了对该领域表现的洞察，对

发展的？

Tech.mt而言，对该领域企业的

与主要科技进步保持同步，是领

外部经营环境进行监测也同样重

导者角色中越来越重要的一部

要。于此，我们必须承认，对马

分。人们很容易被每天的工作负

耳他科技产业的统计分析是至关

荷所困扰，而没有时间去关注下

重要的。获得更及时的数据，将

一步的发展。对职业发展采取积

day-to-day workload and not make time for what’s

使这个世代能够获得更多最新见

极的态度是关键。

next. Having a positive attitude towards professional

解，同时也将促进Tech.mt的努

development is vital.

力，打造自身成为该领域发展及

KEEP UP WITH TECHNOLOGY ADVANCEMENTS AND WHAT DO YOU DO TO BOOST YOUR PROFESSIONAL DEVELOPMENT? Remaining up-to-date with major advancements in technology is an increasingly important part of a leader’s role. It is very easy to get caught up in the

Industry events can often be the biggest source

国际化的焦点。

产业活动往往是技术专业人士学 习的最大来源。非正式的见面会 也是与社群保持联系的好方法。

of learning for technology professionals. Informal

马耳他政府正在将马耳他定位为

meetups are also a great way to stay connected with

阅读。这听起来很简单，但阅读

一个在社会各领域都能实现数

科技出版物是对该领域的最新趋

字化繁荣的国家。您对这一说

势和所需技能加强掌握的最佳方

法有什么看法，您如何对其进

式之一。

the community. Read. It may sound simple but reading tech publications is one of the best ways to enhance your knowledge on the latest trends and skills needed in the sector.

行扩展？

In the ever-changing landscape of technology, your

随着Tech.mt的成立，马耳他政

技能是有保质期的。作为领导

skills have a shelf life. As leaders we must stay up to

府已经确立了一项任务，对数字

者，我们必须紧跟最新的技术趋

date with the latest technology trends and translate

化与技术创新潜力进行投资。这

势，并将我们的见解与观察转化

our insights and observations into actions.

是一个蓝图，标志马耳他作为科

为行动。

在不断变化的科技景观中，你的

Issue 5

#MedTechWorld | 81

FINTECH

THE FUTURE OF FINANCE IN LATAM

EL FUTURO DE LAS FINANZAS EN AMÉRICA LATINA AS THE MARKET LOOKS OUTSIDE THE BOX FOR SOLUTIONS TO A COMPLEX FINANCIAL SYSTEM, FINTECH SERVICES AND PRODUCTS ARE RISING ACROSS LATIN AMERICA. ETIENNE FARÍAS, CEO OF LEGAL LAB, CONSIDERS THE CHANGING FACE OF FINTECH REGULATION IN LATAM.

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| #MedTechWorld

Issue 5

A MEDIDA QUE EL MERCADO BUSCA SOLUCIONES PARA UN SISTEMA FINANCIERO COMPLEJO, LOS SERVICIOS Y PRODUCTOS DE FINTECH ESTÁN AUMENTANDO EN TODA AMÉRICA LATINA. ETIENNE FARÍAS, CEO DE LEGAL LAB, CONSIDERA LA CARA CAMBIANTE DE LA REGULACIÓN DE FINTECH EN AMÉRICA LATINA.

FEATURE 专题报道

L

atin America has been a pioneer in regulating the

order to prevent frauds to the general public, such as the

fintech sector. This sector offers real solutions for

many ICO scandals that happened in 2017.

people to access resources outside the traditional

financial system in a continent that has diverse economic and financial struggles, including currency exchange restrictions and hyperinflation. Only 51% of Latin America´s population has access to a formal financial account. At the same time, digital natives demand more flexible and accessible financial products within the reach of a few clicks made with a smartphone.

Argentina and Venezuela are by far the best example of the popular adoption of fintech technologies to protect wealth, whether it is done with or without governmental consent. Although this phenomenon is still not widespread, it is a reality that people use alternative finance services to transfer money or pay for things with an extremely low cost. Beyond any triumphalism, fintech

Governments understand the potential that fintech

and cryptocurrencies do help people in difficult financial

startups have to achieve financial inclusion, but also prefer

situations to bypass cumbersome regulations and avoid

to be cautious and therefore prohibit or overregulate in

paying hefty bank commissions.

A

mérica Latina ha sido pionera en la regulación del sector de fintech. Este sector ofrece soluciones reales para que las personas accedan a recursos

fuera del sistema financiero tradicional en un continente que tiene diversas luchas económicas y financieras, incluyendo restricciones de cambio de moneda e hiperinflación. Sólo el 51% de la población de América Latina tiene acceso a una cuenta financiera formal. Al mismo tiempo, los nativos digitales exigen productos financieros más flexibles y accesibles al alcance de unos pocos clics realizados con un teléfono inteligente.

Los gobiernos entienden el potencial que tienen las nuevas empresas de fintech para lograr la inclusión financiera, pero también prefieren ser cautelosos y, por lo tanto, prohibir o regular en exceso a fin de evitar los fraudes al público en general, como los numerosos escándalos de la ICO que ocurrieron en 2017.

Argentina y Venezuela son, por mucho, el mejor ejemplo de la adopción popular de las tecnologías de fintech para proteger la riqueza, ya sea que se haga con o sin el consentimiento del gobierno. Aunque este fenómeno aún no está extendido, es una realidad que la gente utiliza servicios financieros alternativos para transferir dinero o pagar por cosas con un costo extremadamente bajo. Más allá de cualquier triunfalismo, las tecnologías de fintech y las criptocracias ayudan a las personas que se encuentran en situaciones financieras difíciles a eludir las engorrosas reglamentaciones y a evitar el pago de cuantiosas comisiones bancarias.

Issue 5

#MedTechWorld | 83

“ Argentina and Venezuela are by far the best example of the popular adoption of fintech technologies to protect wealth, whether it is done with or without governmental consent ”

The clarity of the regulation has generated a quick rise in fintech services and financial products. The number of Mexican fintech startups for 2020 is over 430. The industry is booming. However, the law left out a lot of fintech services, such as insurance tech for example, thus generating asymmetries within the financial sector.

At the same time, the mere fact of defining what is to be considered as a fintech service or technology leaves a lot of projects and technologies outside any kind of regulation. Therefore, lawyers can be highly creative and engage in regulatory arbitrage.

On the other hand, in Latin America we also find governmental use of new financial technologies. Venezuela for example is the first country to issue a cryptocurrency.

Regardless of whether a centralized governmental crypto is really a cryptocurrency according to its cypherpunk definition, the fact of having a country tinkering with technological and financial solutions outside the realm of the legacy system should be a wakeup call for everyone.

Brazil also has advanced in creating a robust fintech regulation. The fintech law permits the use of digital platforms for direct lending and peer-to-peer lending.

These new financial institutions have a reduced systemic risk and therefore are subject to a more relaxed regulation.

Major steps have been taken to permit open banking, allowing costumer to access all their accounts and financial services through a singe platform.

Latin America is also a thriving space for foreign fintech

The countries with most fintech companies are Mexico,

startups, with investments from Europe, United Kingdom,

Brazil and Colombia.

United States and Canada that specialise in remittances,

Mexico is one of the first countries to have a fintech law that regulates crowdfunding, payment systems,

84

technology for financial services and lending. Currently we have over 90 companies doing business in LatAm.

cryptocurrencies, and open banking. It also offers a

In conclusion, Latin America is a booming market

sandbox regulation for fintech products that do not fit

for fintech ventures because it offers an interesting

the definitions given by the law. The sandbox allows the

regulatory environment and has an enormous number

regulators to determine whether a new financial product

of people with no access to traditional financial services.

or technology is safe for the public and therefore can be

Therefore, Latin America is proving to be a great laboratory

used without any governmental surveillance or needs an

to determine whether fintech will be able to fulfill its

ad hoc regulation.

promise of banking the unbanked.

| #MedTechWorld

Issue 5

FEATURE 专题报道

Por otro lado, en América Latina también encontramos el uso gubernamental de nuevas tecnologías financieras. Venezuela, por ejemplo, es el primer país en emitir una criptodivisa.

Independientemente de si una criptocopia gubernamental centralizada es realmente una criptocopia de acuerdo con su definición cypherpunk, el hecho de tener un país que está jugando con soluciones tecnológicas y financieras fuera del ámbito del sistema heredado debería ser una llamada de atención para todos.

Los países con más empresas de tecnología son México, Brasil y Colombia.

“ Argentina y Venezuela son, por mucho, el mejor ejemplo de la adopción popular de las tecnologías de fintech para proteger la riqueza, ya sea que se haga con o sin el consentimiento del gobierno ”

México es uno de los primeros países en tener una ley de fintech que regula el crowdfunding, los sistemas de pago, las criptodivisas y la banca abierta. También ofrece una regulación de la caja de arena

para préstamos directos y préstamos entre pares. Estas nuevas

para los productos fintech que no se ajustan a las definiciones dadas

instituciones financieras tienen un riesgo sistémico reducido y, por

por la ley. La caja de arena permite a los reguladores determinar si un

lo tanto, están sujetas a una reglamentación más relajada. Se han

nuevo producto o tecnología financiera es seguro para el público y,

dado pasos importantes para permitir la banca abierta, permitiendo al

por lo tanto, puede utilizarse sin ninguna vigilancia gubernamental o

cliente acceder a todas sus cuentas y servicios financieros a través de

necesita una regulación ad hoc.

una plataforma única.

La claridad de la reglamentación ha generado un rápido aumento

América Latina es también un próspero espacio para las empresas

de los servicios y productos financieros de fintech. El número de

extranjeras de tecnología financiera, con inversiones de Europa,

empresas mexicanas de fintech para 2020 es de más de 430. La

el Reino Unido, los Estados Unidos y Canadá que se especializan

industria está en auge. Sin embargo, la ley dejó fuera muchos

en remesas, tecnología para servicios financieros y préstamos.

servicios de fintech, como la tecnología de seguros por ejemplo,

Actualmente tenemos más de 90 empresas que hacen negocios en

generando así asimetrías dentro del sector financiero. Al mismo

América Latina.

tiempo, el mero hecho de definir lo que se debe considerar como un servicio o tecnología fintech deja a muchos proyectos y tecnologías fuera de cualquier tipo de regulación. Por lo tanto, los abogados

En conclusión, América Latina es un mercado en auge para las empresas de fintech porque ofrece un entorno normativo

pueden ser muy creativos y participar en el arbitraje reglamentario.

interesante y tiene un enorme número de personas sin acceso a los

Brasil también ha avanzado en la creación de una sólida regulación de

demostrando ser un gran laboratorio para determinar si Fintech podrá

fintech. La ley sobre fintech permite el uso de plataformas digitales

cumplir su promesa de bancarizar a los no bancarizados.

servicios financieros tradicionales. Por lo tanto, América Latina está

Issue 5

#MedTechWorld | 85

LONGENESIS THE PURSUIT OF A LONGER LIFE 追求长寿

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| #MedTechWorld

Issue 5

Q&A 问答

THE ROAD TO THE HOLY GRAIL LIES IN BRIDGING HEALTHCARE WITH BIOTECH ACCORDING TO MEDICAL TECHNOLOGY STARTUP COMPANY LONGENESIS. AFTER HAVING DEVELOPED PROJECTS ALL OVER THE GLOBE, THE COMPANY INTENDS ON USING THE LATEST ADVANCES IN BLOCKCHAIN AND DATA SCIENCE TO DEVELOP A DECENTRALIZED SYSTEM FOR BIOMEDICAL DATA TO ACHIEVE BETTER PERFORMANCE AND PROLONGING HUMAN LIFE. LUKE SCERRI SPEAKS TO CTO EMIL SYUNDYUKOV.

WHAT WAS THE GENESIS OF LONGENESIS? HOW DID IT ALL START?

根据医疗技术初创公司 LONGENESIS的说法，通往圣杯的 道路在于将医疗保健与生物技术连 接起来。该公司已经开发了来自中 东、波罗的海和亚太地区以及美国 的项目，打算利用区块链与数据科 学的最新进展，开发一个去中心化 的生物医学数据利用系统，同时实 现更好的性能，延长人类的生命。 LUKE SCERRI与首席技术官EMIL SYUNDYUKOV进行交流。

LONGENESIS的起源是什么？它是如何开始的？ 我们创办Longenesis的目的，是将传统的生物医学研究

We started Longenesis with the aim to transform the

过程转变为全球的合作程序。这种转变的主要驱动力之

traditional process of biomedical research into a collaborative

一，是由于我们认识到个人化数据的潜力，同时始终遵

process worldwide. One of the main drivers of such a

循隐私以及监管的具体规定，积极主动地让个人参与到

transformation is the way we recognise the potential in

研究过程中。因此，我们联合了计算机科学和医疗保健

personalised data, whilst following the privacy and regulatory specifics at all times, to proactively engage individuals in the process of research. Therefore, we have united the competences in computer science and healthcare, combining academic and industrial backgrounds together within our team. Along with the founding team members, we run Insilico Medicine - an industrial and research leader in AI for drug discovery, as well as Bitfury - the world’s leading blockchain technology provider company. Through this we work with governmental-level projects and create the ecosystems within the Exonum framework.

YOUR NAME APTLY CAPTURES YOUR GRAND SCOPE, BUT HOW WOULD YOU DESCRIBE LONGENESIS’ VISION?

领域的能力，将学术和工业背景结合到我们的团队中。 除了创始团队成员外，我们还有Insilico Medicine—— 人工智能在药物发现方面的产业与研究领导者；以及 Bitfury——世界领先的区块链技术提供商公司，与政府 级项目合作，并在Exonum框架内创建生态系统。 你们的名字恰如其分地描绘了你们的宏大范畴，但你们 会如何描述LONGENESIS的愿景？ 我们的愿景非常简单——我们将自己视为一个工具箱， 帮助利用和执行全球25-30%的生物医学研究。这是一 个雄心勃勃的目标，所以我们为实现这个目标而努力。 公司的工具已经被全球10多个国家的临床中心与生物 医学产业使用，其中一个例子就是中东的Population

Our vision is very simple - we see ourselves as a toolkit, helping utilise and execute 25-30% of global biomedical

Genome计划。

research worldwide. It’s an ambitious goal, so we work hard towards reaching it. The company’s tools are already used by clinical centers and the biomedical industry in 10+ countries around the world, one example being the Population Genome initiative in the Middle East.

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SO WHAT MAKES YOUR COMPANY DIFFERENT? The majority of solutions aim to address similar challenges are providing a centralised approach towards data storing

population engagement modules, providing real-time risk stratification and involvement of participants in COVID-19 research within the National Research initiative in Latvia.

and structuring powered by the ingestion of data from

We have also utilised the DLT within the Consent

multiple centers. Such approaches, providing centralization

Management toolkit in the scope of the COVID-19 crisis. Our

from one side, are lacking what Longenesis offers and has

solution is being used for the clinical trials of the COVID-19

already validated with the industry worldwide. An ability to

vaccine candidate and biobank frameworks, providing a

provide dynamic involvement of biomedical institutions and

real-time audit and logging of consent transactions within

real-time identification of patient or/and participant groups

the set of research projects, whilst opening an opportunity

aims to engage these cohorts in prospective research, Real

to engage individuals in prospective studies.

World Evidence (RWE) generation, providing personalisation while preserving privacy and region-specific requirements.

CAN YOU BRIEFLY EXPLAIN THE PROCESS INVOLVED IN MANIFESTING THIS PROJECT TO ITS FULL POTENTIAL? Sure. In a nutshell we create digital solutions for biomedical datasets and study candidate identification, end-to-end digitized consent management for study onboarding, and cohorts proactive engagement in research initiatives.

Longenesis equips biomedical institutions with means for compliant data curation, study sponsor attraction, and facilitation of collaborative research, as well as helps to onboard and engage patient and population cohorts into prospective research.

HOW DO YOU ENVISION THE GLOBALLY-CONNECTED

APART FROM YOUR WORK IN UNITING HEALTHCARE INVESTORS AND THE PHARMACEUTICAL WORLD, YOU’VE CONDUCTED STUDIES REGARDING BREAST CANCER MULTI-MODAL RISK CALCULATION. HOW DOES THAT WORK?

WORLD OF MEDICAL RESEARCH TO BE?

Skrinings.lv is a web-based tool for proactive involvement

We envision all the stakeholders’ proactive involvement into

wanted to revolutionise breast cancer pre-screening,

the process of medical research to be without any borders.

improve early diagnostics and put women in charge of their

The cadence realised in a form of slow collaboration

own health and opportunities to participate in impactful

cycles and fragmentation should be transformed into an

research studies. We have just launched an epidemiological

ecosystem, where any stakeholder involved or who would

study in the Baltics, engaging 2000 women via the digitized

like to be involved in the particular research, will be granted

tool for personalised risk assessment, and proactive

with such opportunity and provided with the tools to help

engagement in the collaborative research of breast cancer.

automate and utilise the power of computing reaching the best result possible.

DISCUSSING HEALTH IN 2020 REQUIRES ADDRESSING THE ELEPHANT IN THE ROOM. HOW CAN DLT (DISTRIBUTED LEDGER TECHNOLOGY) HELP IN SUCH A

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“ The real beauty lies in combining multiple technologies to reap the fruits of digitalization ”

of the population in breast cancer risk calculation. We

WHAT IS THE NEXT STEP FOR LONGENESIS? We have just launched a series of clinical studies, utilising our in-house built tools for the execution of the research project and generation of insights. In parallel with that we

CRISIS AS COVID-19?

are excited to see how our products are being developed and

COVID-19 left a mark on a variety of industries, including

I think that an important milestone will be set right after the

ours. Within one month, we started from the Data Curation

pandemic crisis will calm - we would like to scale the solutions

frameworks, allowing the faster cycles of partner identification

built as a rapid response of our team to a broader set of

and open research consortium creation, and ended up with

applications within the research disciplines.

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applied within the COVID-19 pandemic addressing framework.

Q&A 问答

那么，贵公司有什么与众不同的地方呢？ 大多数瞄准处理类似挑战的解决方案，都是提供一种集中式的数 据存储和结构化方法，由来自多个中心的数据获取驱动。这样的

且创建开放研究联盟，最后则是人群参与模块，我们在拉脱维 亚的国家研究计划中提供实时风险分层，并让参与者加入新冠 病毒研究。

方法单从一个面向进行集中化，但缺乏了Longenesis所带来、并

我们还在新冠病毒危机范围中利用了同意管理工具包中的DLT。

且已经在全球得到了验证的服务——提供生物医学机构的动态参

我们的解决方案正被用于新冠病毒候选疫苗的临床试验与生物库

与以及实时识别患者或/和参与者群体的能力，目的在让这些队

框架，提供实时审计并记录研究项目中的同意交易，同时为个人

列投入前瞻性研究、真实世界证据（RWE）的生成，提供个人化

参与前瞻性研究提供机会。

同时保护隐私与特定区域的要求。

除了致力于团结医疗投资者与制药圈，您还进行了乳腺癌多模式

您能简单解释一下这个项目充分发挥其潜力的过程吗？

风险计算的相关研究。这方面的工作是怎样的？

当然。简而言之，我们创建数字化解决方案处理生物医学数据集

Skrinings.lv是一个基于网络的工具，让民众主动参与乳腺癌风

和研究候选者识别、研究上岗的端到端数字化同意书管理，以及

险计算。我们希望彻底改变乳腺癌的预筛检，改善早期诊断，让

队列主动参与研究计划。

女性掌握自己的健康，并拥有参与具影响力研究的机会。我们

Longenesis为生物医学机构提供合规的数据策划，研究赞助商吸 引，并促进合作研究，同时帮助患者和人群队列加入并参与到前 瞻性研究中。

刚刚在波罗的海地区启动了一项流行病学研究，通过数字化工 具让2000名女性投入个人化的风险评估中，并主动参与乳腺癌 合作研究。 LONGENESIS下一步的发展方向是什么？

“真正的魅力在于结合多种 技术，收获数字化的成果”

我们刚刚启动了一系列的临床研究，利用内部构建的工具来执行 研究项目并产生见解。与此同时，我们也很高兴看到旗下的产品 在新冠肺炎解决框架内如何被开发与应用。我认为，新冠病毒危 机平息后将定立一个重要的里程碑——我们期盼在研究学科内， 将团队所建立的快速反应解决方案扩大到更广泛的应用。

您对全球互联的医学研究世界设想为何？ 我们设想所有的利益相关者主动参与到医学研究的过程中，没 有任何界限。缓慢的合作周期与碎片化的形式应该转变为一个 生态系统，任何参与、或想参与特定研究的利益相关者都将获 得这样的机会，并且提供工具帮助自动化，利用计算力达到最 好的结果。 讨论2020年的健康问题需要解决棘手的问题，在新冠疫情这样 的危机中，DLT（分布式账本技术）如何有所助益？ 新冠病毒在各行各业都留下了印记，包括我们在内。在一个月 内，我们从数据整理框架开始，允许更快地确定合作伙伴，并

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PROACTIVE VS REACTIVE HEALTHCARE Atención médica proactiva vs. reactiva

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FEATURE 专题报道

KNOWN IN THE INDUSTRY AS “MISTER MED TECH”, A VETERAN OF THE MED TECH INDUSTRY, GIOVANNI LAURICELLA SERVES AS A CONNECTOR OF MEDTECH PROFESSIONALS TO INSIGHTS, PEOPLE, AND MONEY. LAETITIA BRADAMANTE CAUGHT UP WITH LAURICELLA FOR AN EXCLUSIVE INTERVIEW TO DISCUSS ALL THINGS MEDTECH, AND ITS IMPORTANCE MOVING FORWARD IN A WORLD WITH COVID-19.

WHAT DOES MISTER MEDTECH DO? We only focus on MedTech startups, primarily focussing on a team building capacity. When we focus and build these smaller organisations, we have a lot of exposure to the investor world. By building those teams, we can be

CONOCIDO EN LA INDUSTRIA COMO “MISTER MEDTECH”, UN VETERANO DE LA INDUSTRIA MEDTECH, GIOVANNI LAURICELLA SIRVE COMO UN CONECTOR DE LOS PROFESIONALES DE MEDTECH A LOS CONOCIMIENTOS, LA GENTE Y EL DINERO. LAETITIA BRADAMANTE SE PUSO AL DÍA CON LAURICELLA PARA UNA ENTREVISTA EXCLUSIVA PARA DISCUTIR TODO LO RELACIONADO CON LA MEDTECH, Y SU IMPORTANCIA PARA AVANZAR EN UN MUNDO CON COVID-19.

hired by the venture capitalists to find talent. Or, we can be brought in to build on a project and hire everything from early stage R&D to commercialisation. Additionally, we offer the ability to make introductions to investors, early stage seed, and angel investors or venture capitalists if the profile of the startup matches well with someone in our investor network.

¿QUÉ HACE EL MISTER MED TECH? Sólo nos centramos en las nuevas empresas de Med Tech, centrándonos principalmente en la capacidad de creación de equipos. Cuando nos centramos y construimos estas organizaciones más pequeñas, tenemos mucha exposición al mundo de los inversores. Construyendo esos equipos, podemos ser contratados por los capitalistas de riesgo para encontrar talento. O bien, podemos ser contratados para construir un proyecto y contratar todo, desde la fase inicial de I+D hasta la comercialización. Además, ofrecemos la posibilidad de hacer presentaciones a inversores, a inversores iniciales y a inversores ángeles o capitalistas de riesgo si el perfil de la nueva empresa coincide con el de alguien de nuestra red de inversores.

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THE IMPORTANCE OF PROACTIVE HEALTHCARE We’re in an age right now where data is gold. We’re in a much more data centric and data focused environment; machine learning, AI, all these abilities to massively take a robust amount of data and then actually have a very educated society. The ability to have a diagnostic that is going to predict your Alzheimer’s, future heart attack, cancer and your diagnosis stage, imagine if these things are able to be diagnosed before they even happened?

If anything, COVID-19 has made what we thought was going to happen in the future happen now. While there will

“ Robotics is, I think, here to stay with the whole process of us not being able to physically touch anymore ”

always be reactive healthcare, when we have big data, innovation that’s around data, and companies that are more data focused now than they are product focused,

CHALLENGES WITH INNOVATION PRICING

you’re going to be having an opportunity to get involved in

The one major challenge that I think robotics continues to

proactive healthcare.

have is their price point. They are expensive capital equipment

COVID-19 AS AN ACCELERATOR FOR ROBOTICS IN THE MEDICAL FIELD Robotics is, I think, here to stay with the whole process of us not being able to physically touch anymore. Robotics was here long before COVID-19, but now it’s once again exacerbated the whole process of not touching the patient. Now we’re able to do it with a 5G network like what Corindus is doing with Siemens following the acquisition in

investments by hospitals. Another challenge is the pricing models with telehealth and distance health as the payments of either the equipment itself or the paid-per-use model, and the sales model of robots are still being figured out.

THE PANDEMIC HAS CAUSED MED TECH MANUFACTURES TO MAKE QUICK ADJUSTMENTS IN REACTION TO THE MDR ENVIRONMNET. HOW DO YOU VIEW THE MDR DELAY?

2019 and doing stroke surgeries from a distances, enabling

I view the MDR delay as a reprieve for many startups who

more patients to have access to higher healthcare or

were never going to make the May 26, 2020 deadline, by

better healthcare.

giving them an extra year. I think that it will enable a lot of companies to actually have more time to follow through and actually become EUMDR compliant. As of the past few months, I’ve seen startups who had that FDA focus and actually use this year to potentially switch back and have a CE mark focus as opposed to an FDA focus only. To possibly have a CE mark focus they can control due to the unpredictability of restrictive travel and lockdowns this incoming flu season with COVID-19.

ADVICE FOR STARTING A GLOBAL MED TECH STARTUP? My top tips for starting a startup in med tech would be to simply do it. There’s always going to be so many headwinds that you face when you start a med tech company and you are in this regulated environment; yet every successful and even unsuccessful entrepreneur in this industry will tell you that the journey is worth it. As an aside, I would also say the two most important things for a med tech startup are money and people, and we are able to help them out with both.

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FEATURE 专题报道

“ La robótica está, creo, aquí para quedarse con todo el proceso de no poder tocarnos físicamente nunca más “ LA IMPORTANCIA DE LA ATENCIÓN SANITARIA PROACTIVA Estamos en una época en la que los datos son oro, estamos en un entorno mucho más centrado en los datos y en el entorno de los datos; el aprendizaje automático, la IA, todas estas habilidades para tomar masivamente una cantidad robusta de datos y luego tener una sociedad

a distancia, ya que los pagos de los equipos en sí o el

muy educada. La capacidad de tener un diagnóstico que

modelo de pago por uso, y el modelo de ventas de los

va a predecir su Alzheimer, futuro ataque al corazón,

robots todavía se están calculando.

cáncer y su etapa de diagnóstico, ¿imagina si estas cosas son capaces de ser diagnosticadas antes de que ocurran?

En todo caso, COVID-19 ha hecho que lo que creíamos que iba a suceder en el futuro suceda ahora. Aunque siempre habrá una atención sanitaria reactiva, cuando tengamos grandes datos, innovación en torno a los datos y empresas que se centren más en los datos ahora que en los productos, tendrá la oportunidad de involucrarse en una atención sanitaria proactiva y no en una reactiva.

COVID-19 COMO UN ACELERADOR PARA LA ROBÓTICA EN EL CAMPO DE LA MEDICINA

LA PANDEMIA HA CAUSADO QUE LOS FABRICANTES DE MEDTECH HAGAN AJUSTES RÁPIDOS EN REACCIÓN AL AMBIENTE MDR. ¿CÓMO VE EL RETRASO DEL MDR? Veo el retraso de la MDR como un alivio para muchas empresas de nueva creación que nunca iban a cumplir el plazo del 26 de mayo de 2020 dando un año más. Creo que permitirá a muchas empresas tener más tiempo para cumplir con la norma EUMDR. En los últimos meses, he visto empresas nuevas que se han centrado en la FDA y que este año se han vuelto a centrar en la marca CE en vez de en la FDA solamente, y posiblemente en la marca

Creo que la robótica está aquí para quedarse con todo

CE que pueden controlar debido a la imprevisibilidad

el proceso de no poder tocarnos físicamente nunca

de las restricciones de viaje y los cierres en la próxima

más. La robótica estuvo aquí mucho antes de COVID-19,

temporada de gripe con COVID-19.

pero ahora ha vuelto a exacerbar todo el proceso de no tocar al paciente y ahora poder hacerlo con una red 5G como la que Corindus está haciendo con Siemens tras la adquisición en 2019 y haciendo cirugías de apoplejía desde largas distancias, permitiendo que más pacientes tengan acceso a una mayor o mejor asistencia sanitaria.

DESAFÍOS CON LA FIJACIÓN DE PRECIOS DE LA INNOVACIÓN

¿CONSEJOS PARA INICIAR UNA PUESTA EN MARCHA GLOBAL DE MEDTECH? Mis mejores consejos para empezar una startup en MedTech sería simplemente hacerlo. Siempre va a haber muchos vientos en contra a los que te enfrentas cuando empiezas una empresa de MedTech y estás en este entorno regulado; sin embargo, todos los empresarios exitosos e incluso los que no lo son en esta industria te

El único gran desafío que creo que la robótica sigue

dirán que el viaje vale la pena. Aparte, también diría que

teniendo, es su precio. Son inversiones costosas en

las dos cosas más importantes para una nueva empresa

bienes de capital por parte de los hospitales. Otro desafío

de MedTech son el dinero y las personas, y somos

son los modelos de precios con telemedicina y salud

capaces de ayudarles con ambos.

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Q&A 问答

TRANSFORMATION THROUGH TECH 通过技术实现转型

A GRADUATE OF THE UOM AND A SURGICAL TRAINEE AT MATER DEI HOSPITAL, DR. DYLAN ATTARD CO-FOUNDED DIGITAL HEALTH MALTA IN 2017, A NON-GOVERNMENTAL ASSOCIATION WHICH AIMS TO TRANSFORM THE HEALTHCARE SECTOR THROUGH DIGITAL HEALTH; USING TECHNOLOGY AND INNOVATION TO FACILITATE THE TRANSITION. KATY MICALLEF CATCHES UP WITH HIM ON HIS PASSION PROJECT: DIGITAL HEALTH MALTA. DYLAN ATTARD博士毕业于UOM，是MATER DEI医院的外科实 习生，他于2017年共同创立了DIGITAL HEALTH MALTA，这 是一个非政府协会，旨在通过数字健康来改变医疗行业，利用技 术和创新来促进转型。《BLOCK》与他进行交流，讨论其热衷的 项目：DIGITAL HEALTH MALTA（数字健康马耳他）。

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WHAT IS DIGITAL HEALTH MALTA AND HOW ARE YOU REVOLUTIONISING THE MALTESE HEALTHCARE SECTOR? Having been founded just over a year ago, we have placed ourselves at the forefront of the Digital Health Sector within the Maltese islands. We are uniquely placed both in terms of our ever growing knowledge but also in terms of our network and reach internationally.

We believe that the first step in achieving this transformation is to inform and educate the Maltese public.

“ After the recent pandemic it has become evident that digital healthcare is one of the solutions for better healthcare for everyone ”

We regularly organise meet ups where apart from talks about different aspects of digital health, we also introduce the public to both Maltese & European digital health startups. We also regularly give space to the research being

healthcare for everyone. Three of the most significant ways

carried out at the University of Malta because we believe

of how digital healthcare can help improve our current

that some of the brightest minds are on our shores. We

healthcare systems include:

have participated in multiple internationally renowned events and served as media partners in conferences such MedFIT with the main aim of informing the Maltese public on the latest innovations.

The second step is to support any innovators on the Maltese Islands and offer our digital health expertise where required. We have also started engaging in our own research and have a lot of plans for the future.

Smart Watches Up until a few years ago, people used to be satisfied with undergoing a physical medical examination once a year and going to their healthcare practitioners only when something is wrong and needs to be treated. Today, in this digital age, patients and our healthcare systems are focusing more on prevention rather than treatment, resulting in the need

Finally, we acknowledge that healthcare is an incredibly

for consistent and timely data collection. This has led to

delicate sector and we understand that any form of

healthcare and tech companies investing in devices with

transition needs to be done with precision and sensitivity.

real-time health monitoring capabilities, notifying both the

We understand the country’s healthcare - after challenges

patients as well as their care providers if there is something

allowing us to better identify, design and evaluate planned

wrong. According to a recent report, the wearable medical

projects. We plan to work with all involved stakeholders,

device market is expected to reach more than $27 million by

offering our expertise and years of experience to facilitate

2023, a spectacular jump from almost $8 million in 2017.

this transition. We believe that this will boost Malta to

Electronic Healthcare Records (EHRs)

become a digital health island & centre of excellence.

Gone are the days of storing medical histories and

The association’s belief is that for such a massive

consultations notes in physical files in large store rooms.

undertaking we need the public sector, charities, industry

Everything can be stored online and made accessible to

and academia to collaborate together.

anyone who has access rights. We believe that this should

HOW CAN DIGITAL HEALTH AID IN A BETTER HEALTHCARE SERVICE FOR HEALTHCARE PRACTITIONERS AND PATIENTS?

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The rise of wearable medical devices such as

go further and we are starting to see the rise of personal health care records which enable democratisation of healthcare and enables patients to own their health data and choose whom to share it with. Existing fully-fledged

Digitalisation has been shown to be beneficial for a while

EHRs are also proving that Blockchain has a role to prove

now, however, some industries and businesses are still

in our healthcare industries, with more and more EHRs

hesitant. Healthcare was one of them up until a few years

implementing Blockchain technology to keep their data

ago. Some countries adopted this quicker than others and

accurate and safe. Recent reports and data all hint that

after the recent pandemic it has become evident more than

blockchain in the healthcare market is expected to reach

ever that digital healthcare is one of the solutions for better

nearly 1 billion in investments by 2023.

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Q&A 问答

什么是Digital Health Malta，你们是如何革新马耳他

促进这一过渡。我们相信，这将推动马耳他成为数字

医疗产业的？

健康岛以及卓越中心。

成立一年多以来，我们已经站在了马耳他群岛数字健

协会认为，对于这样一个庞大的事业，我们需要公共

康领域的最前沿。无论是在我们不断增长的知识方

部门、慈善机构、工业界和学术界共同合作。

面，还是在我们的网络和国际影响力方面，都有独 特的优势。

数字健康如何帮助医疗从业者和患者获得更好的医 疗服务？

我们相信，实现这一转变的第一步是对马耳他公众进

数字化被证明有益，已经有一段时间了，然而，一些

行宣传和教育。我们定期组织见面会，除了关于数字

产业和企业仍然犹豫不决。直到几年前，医疗保健就

健康的不同方面的讲座外，我们还向公众介绍马耳他

是其中之一。一些国家比其他国家更快地采用了这一

和欧洲的数字健康初创公司。同时，也定期为马耳他

点，而在最近的疫情之后，数字医疗比以往任何时候

大学正在进行的研究提供空间，因为我们相信，我们

都更加明显，它是为大家提供更佳医疗服务的解决方

身处的岸上有一些最聪明的头脑。我们参加了多个国

案之一。数字医疗有助于改善我们目前的医疗系统，

际知名活动，并作为媒体合作伙伴参加MedFIT等会

其中最重要的三点包括：

议，主要目的是向马耳他公众宣传最新的创新成果。

智能手表等可穿戴医疗设备的兴起 直到几年前，人们还满足于每年进行一次体检，只有 在出现问题、需要治疗时才去找他们的保健医生。如

“在最近的疫情之后， 数字医疗显而易见地是 为大家提供更好的医疗 服务的解决方案之一”

今，在这个数字化时代，患者和我们的医疗系统更注 重预防而不是治疗，这就导致了对持续和及时数据收 集的需求。这促使医疗与科技公司投资具有实时健康 监测功能的设备，在出现问题时通知患者以及他们的 护理人员。根据最近的一份报告，预计到2023年， 可穿戴医疗设备市场将达到超过2700万美元，与 2017年的近800万美元相比有惊人的增长。 电子医疗记录（EHRs） 将病历和诊疗记录存放在大库房的实物档案中，这样

第二步是支持马耳他群岛上的任何创新者，并在需要 时提供我们的数字健康专业知识。我们也已经开始从 事自己的研究，并对未来有很多计划。

的日子已经一去不复返了。所有东西都可以在线存 储，任何有访问权的人都可以访问。我们相信，这应 该更进一步，我们开始看到个人健康护理记录的兴 起，它实现了医疗的民主化，使患者能够拥有自己的

最终，我们承认医疗是一个非常微妙的产业，我们明

健康数据，并选择与谁共享。现有的成熟的电子健康

白任何形式的过渡都需要以精确和敏感的方式进行。

记录也证明了区块链在我们医疗产业中的作用，越来

我们了解国家的医疗挑战，这使我们能够更好地确

越多的电子健康记录实施了区块链技术，以保证其数

定、设计并且评估计划中的项目。我们计划与所有相

据的准确和安全。最近的报告和数据都暗示，预计到

关利益方合作，提供我们的专业知识与多年经验，以

2023年，区块链在医疗市场的投资将达到近10亿。

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On Demand Healthcare Patients want access to their healthcare at their own convenience, at their own time, from wherever they may be. As a result, telemedicine and virtual consultations have been on the rise worldwide, with COVID-19 acting as the perfect accelerator to push even those patients that were a bit skeptical, to start opting for online consultations when they have the opportunity to do so. Malta’s healthcare practitioners too have started to experience an increase in demand to speak to their patients online and the majority have started to resort to holding online clinics through telemedicine platforms, supplementing their usual clinics.

2019, but was stopped by Chinese authorities accusing him of “making false comments”, our bot served very well to answer any questions related to COVID-19, especially in the initial stages of the pandemic, when people had a lot of questions about the pandemic and how to best protect themselves.

Healthhive HealthHive was Malta’s first telemedicine platform which was launched amidst the pandemic. The aim was to bring patients closer to their doctors, connecting online through telemedicine. HealthHive aimed to maintain a telemedicine platform equipped with certified for medical consultations & in line with all necessary security and privacy measures. This

“ COVID-19 accelerated our digital health transformation and we’re very excited for what the future holds for our healthcare system ”

was the first telemedicine project launched in Malta, which eventually led to several others taking suit and recognising the immense potential of virtual consultations and benefits to everyone involved.

Currently, Digital Health Malta has turned to focus on research, with the aim of gaining a high-level understanding of our citizen’s needs, motivations and behaviors towards engaging with digital health tools and services. This will allow Digital Health Malta to share data with the relevant stakeholders for the ultimate benefit of the Maltese society.

CAN YOU TELL US MORE ABOUT YOUR CURRENT PROJECTS, WENLIANG AND HEALTHHIVE? Right from the start of COVID-19, the team at Digital Health Malta set out to help our existing healthcare authorities in whatever way possible and managed to do so by introducing several digital health tools which were deployed on a national level. These courageous steps were crucial in encouraging the rest of Malta’s healthcare ecosystems to follow suit and make use of technology in the best ways possible in our fight against the pandemic.

Wenliangbot / Facebook Chatbot

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WHAT IS MALTA’S LONG-TERM VISION FOR A DIGITAL HEALTH CARE SYSTEM? In the past 3 years, the Government of Malta through the “CONvErGE” and “Mapping Tomorrow” Projects has accelerated a digital transformation within the Maltese National Healthcare Systems that significantly reduced paper documents and minimised bureaucracy. Having said this, more work needs to be done by both the public and private sectors. COVID-19 accelerated our digital health transformation and we’re excited for what the future holds for our healthcare system.

Furthermore, looking at the upcoming years, the main

Digital Health Malta set out to create Wenliang in order

goals should be to consolidate and strengthen our Digital

to help inform the general public and update them with

Health Infrastructure, focusing on achieving increased

the latest information with data gathered from WHO,

efficiency and sustainability of Malta’s healthcare system.

ECDC & NHS sources. Dedicated to the late doctor

These goals will truly enable the vision of ‘Digital Health

who tried to warn his fellow medics on 30 December

for All’ for all those who live in Malta.

| #MedTechWorld

Issue 5

Q&A 问答

按需医疗 患者希望在自己方便时、在自己的时间、 无论在哪里，都能获得保健服务。因此， 远程医疗和虚拟咨询在全球范围内呈上升 趋势，新冠病毒是一个完美的加速器，甚 至推动那些有点存疑的病人在有机会时开 始选择在线咨询。马耳他的保健从业人员 也开始感受到，与病人在线交谈的需求增 加，大多数人逐渐通过远程医疗平台举办 在线诊所，以作为他们实体诊所的补足。

人很好地回答了任何与新冠疫情有关的问 题，特别是在大流行的初始阶段，当时人 们对疫情有很多问题，并想了解如何最好 地保护自己。 HEALTHHIVE HealthHive是马耳他的第一个远程医疗平 台，其在疫情期间启动。该平台目的是通 过远程医疗在线连接，使病人更接近他们 的医生。HealthHive的目标是维护一个远 程医疗平台，其配备了经过认证的医疗咨

能否详细介绍一下你们目前的项

询，并符合所有必要的安全和隐私措施。

目，Wenliang和 HealthHive？

这是马耳他推出的第一个远程医疗项目，

从新冠疫情开始，Digital Health Malta团队 就着手，以任何可能的方式帮助我们现有 的医疗当局，并通过引入几项数字健康工

最终将引领其他几个项目效仿，并体认到 虚拟咨询的巨大潜力，以及其对每个人的 好处。

具，在全国部署，设法做到这一点。这些

目前，Digital Health Malta已经转而专注于

勇敢的步骤，对于鼓励马耳他其他的医疗

研究，目的是对我国公民参与数字健康工

生态系统效仿，以最佳方式利用技术来对 抗疫情至关重要。

“新冠病毒加速了 我们的数字医疗转 型，我们对医疗系 统的未来充满期待”

具和服务的需求、动机与行为有一个高层 次的了解。这将使Digital Health Malta能够 与相关的利益相关者分享数据，最终造福 马耳他社会。 马耳他对数字医疗系统的长期愿景是什 么？ 在过去的3年里，马耳他政府通过 “CONvErGE”和“Mapping Tomorrow” 项目加快了马耳他国家医疗系统内部的数 字化转型，大大减少了纸本文件，并最大 限度地减少了官僚主义。尽管如此，公共

WENLIANG机器人/FACEBOOK聊天机器人 Digital Health Malta着手创建Wenliang， 以帮助公众了解情况，并利用从世卫组

和私营部门还需要做更多的工作。新冠病 毒加速了我们的数字医疗转型，我们对医 疗系统的未来充满期待。

织、欧洲疾病预防控制中心与国民医疗服

此外，展望未来几年，主要目标应该是巩固

务体系等来源收集的数据更新最新信息。

并且加强我们的数字医疗基础设施，着重

致那位已故的医生，他在2019年12月30日

在提升马耳他医疗系统的效率与可持续性。

试图警告他的同僚，但被中国当局阻止，

这些目标，将真正为所有生活在马耳他的人

指责他 “发表虚假言论”，我们的机器

实现“全民数字健康”的愿景。

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It’s a matter of life & (SEX) tech 这是个生活与（性）技术的问题 100

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FEATURE 专题报道

WORDS BY DOMMINIQUE KARETSOS, CO-FOUNDER AND CEO, HEALTHY PLEASURE GROUP

I WAS RAISED BELIEVING AND LIVING A POWERFUL TRUTH; YOUR HEALTH IS YOUR WEALTH. 我从小就相信并实践这一个强大的真理：你的健康就是你的财富。

B

y the time this ink dries I am hesitant to say ‘post coronavirus,

落笔之初，我不愿意以 “在冠状病毒后，我们生活在一

we are living in a world where…’ What I can say is how a global

个......” 开头，我可以说的是，这一个全球性的人类威胁如

threat to humanity blew up the sexual health and technology

何毁灭了性健康与技术产业，如同铁则般的古老禁忌，暴露

industry, iron-clad ancient taboos and exposed its vice for a positive impact on our social and economic systems.

COVID-living has meant all of us have been totally immersed in what are digital life-chamber bubbles. One for work, one for social connections, one for fitness, one for pleasure and so on. It has meant embracing a two-dimensional connectivity with the complete absence of non-verbal communication, relinquishing our most innate, human behaviours.

了它的恶习，对我们的社会和经济体系产生了影响。 生活在疫情中，我们所有人都已经完全沉浸于各种数字架构 的泡沫之中，工作、社交、健身、娱乐等等全都漂浮其中。 这意味着我们要接受二维连接，完全没有非语言的交流，放 弃了我们最本真、人类的行为。 对于那些瞄准与创新的品牌来说，要确保这些数字生活空间 的可持续性和可扩展性，新冠病毒已经打亮镁光灯，消费者

For those brands targeting and innovating to ensure sustainability

必须认识到他们正生活在参与式经济时代。接着，采取相应

and scalability in these digital life-chambers, COVID-19 has

的行动。

spotlighted that consumers must recognise that they are living in the age of the participatory economy. Then, act accordingly.

“参与式经济可以理解为填补赋能空白，将我们的思维从作 为用户的消费者演变为作为人的消费者。” ......没有什么能

“The Participatory economy can be understood as filling

像全球性的、危及生命的大流行病那样，激发人们重新感受

empowerment gaps and evolving our thinking from consumers as

人性的欲望。

users to customers as people.” ...nothing fuels the desire to feel human again, like a global, life-threatening pandemic.

The new normal is feeling human, not a transaction, a user or just a consumer. We will see a demand in human-centric technology not technology that markets to humans.

While COVID-19 shook us to our core, it also reshuffled our priorities, causing tectonic shifts in our behaviour and attitude to the status of our

新常态，是感觉到自己是人，而不是一笔交易、一个用户或 只是一位消费者。我们将看到以人为中心的技术需求，而不 是向人类推销的技术。 新冠病毒在震撼我们的同时，也将我们的优先顺序重新洗 牌，使我们的行为与对自身健康状况的态度发生了构造性的 变化。我们如何保护它、追踪它、验证它，以及痛切地——

health. How we protect it, track it, verify it and poignantly - share it.

分享它。

Historically, sexual health is categorically excluded from most of our

从历史上看，性健康被断然排除在我们大多数的健康优先事

list of health priorities. For the first time, we are proactively seeking

项清单之外。第一次，我们主动寻求可预防的医疗保健，而

preventable healthcare instead of reactive solutions.

不是被动的解决方案。

Take STI testing for instance. Usually a reactive process, in the

以性病检测为例。这通常是一个被动的过程，但在新冠病毒

COVID-19 era, we proactively test to see if we have been in contact

时代，我们主动进行检测，看看自己是否接触过或曾被感

or contracted it - there is more to testing for something undesirable

染——现在，针对一些不想得到的东西进行检测具有更多意

now. It is permission to hold a loved one’s hand, make love, kiss and

义，这代表了我们被允许牵着爱人的手、做爱、接吻，甚至

even to mobilise ourselves across economies.

No matter the test, preventable sexual healthcare, like an STI Kit (that now will include COVID-19 test too) needs to go beyond a reactive approach. To be preventable it requires you to track and test yourself, verify and most of all share.

跨经济体移动。 不管是什么测试，可预防的性保健，如性传播疾病工具包（现 在也将包括新冠病毒测试）需要超越被动做法。要做到可预 防，就需要你自己跟踪并测试、验证，而最重要的是分享。

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“ COVID-19 has spotlighted that consumers must recognise that they are living in the age of the participatory economy ”

A major social outcome from COVID-19 will be the birth of the digital health sharing revolution.

Six months ago if I said “safe” and “sex” in one sentence, in any business setting, I could clear a room in 30 seconds. Historically, sexual health propositions have lexicons that are entwined with centuries of shame and discrimination, facing a daunting challenge to shift from a patient proposition to a private (consumer) proposition.

Nothing echoes taboo like seeking a test for Sexually Transmitted Infections (STI). Figuring out where to go is like weeding through a barbed wire of shame.

From sexual health clinics, the government’s free home-delivered kits to online discreet shipping of comprehensive tests, most of these speak to the patient but after the results have been sent, the person is often left solo for the next steps. User transaction completed.

It’s not the testing process I struggle with (not in this article), it is the absence of shame-free language and lack of empowering education to encourage the behavioural change that society needs around testing.

Otherwise, how do we track, verify and share an STI health status, guilt free? We can see that an STI brand, especially in the age of COVID-19, has the opportunity to pave the road to behavioural change. What still holds them back?

I spend an enormous amount of time helping companies understand that although they are a sexual health or technology product first, they must act like a lifestyle brand. Communicating to people that they care, want to educate them and support people holistically is vital.

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FEATURE 专题报道

To fast track this change means being accessible.

Whether it’s Boots duty-free travel, filling their digital beauty bag on cultbeauty.com, feelunique.com or a vending machine in the shower rooms at the gym, meeting contemporary people’s lifestyle needs means placement in mainstream channels. This translates to normalising narratives around sexual health and reshaping behaviours towards healthy sexualities. They need that lifestyle sparkle.

lifestyle needs. Sexual health propositions would be remiss not to listen, learn and launch, helping (him or) her beyond her digital medical-chamber bubble.

So we know that when patient propositions align for a particparty community, they become the engines of change, boldly redefining the lexicon that consentualises that sex is to be explored, not hidden. Self-care is sex care and preventable healthcare is sexy healthcare. Harnessing the roadmap from

Women make up 65% of global purchase decisions, own 41%

lab to consumer lifestyle is that lifestyle sparkle and it’s

of wallet spend between North America and Europe and drive

possible. This is the key. And it really is a matter of life and

global demand for sexual health solutions that meet their

(sex) tech.

新冠病毒促成的一项重大社会成果，将会是数字健康共享革命的

“新冠病毒已经打亮镁光 灯，消费者必须认识到他们 正生活在参与式经济时代”

诞生。 6个月前，如果我在任何商业环境下，在一句话之内提及 “安全” 与 “性” 这两个词，整个场地可能会在30秒内清空。历史上，性 健康命题的词汇，缠绕着几世纪以来的羞耻和歧视，使得将这个 命题从患者观点转向私人（消费者）观点面临了艰巨挑战。 没有什么比寻求性传播感染（STI）的检测更禁忌。想知道可以 去哪里寻求协助，就像在耻辱的铁丝网上除草一样。从性健康诊 所、政府的免费家庭送检包到网上慎重寄送的全面检测，这些大 多都是在与患者对话；但在收到检验结果后，当事人却往往只能 独自面对下一步。用户交易完成。

要想快速实现这种改变，就意味着要做到触手可及。 无论是Boots的免税旅行，还是在cultbeauty.com、feelunique. com上填写其数字美容试用包，又或者是健身房淋浴间里设置的 自动售货机，要满足当代人的生活方式需求，就需要在主流渠道 中进行投放。这可以转化，促成性健康的正常叙述，重塑健康的 性相关行为。这些品牌需要这种生活风格的闪光点。

我苦恼的不是检测过程（这不在本文重点），而是缺乏令人感到

女性占全球购买决策的65%，在北美和欧洲之间拥有41%的钱包消

舒适、不羞耻的语言，也缺乏鼓励社会改变行为、进行检测所需

费，同时，在能够满足自己生活方式需求的性健康解决方案上，作

的赋能教育。没有这些，我们如何跟踪、验证并分享STI的健康状

为全球需求的驱动力。性健康品牌的主张如果不去倾听、学习和推

况，而不感到羞愧？我们可以看到，一个STI品牌，尤其是在新冠

出，帮助（他或）她跳脱她的数字医疗室泡沫，那就等于失职。

病毒时代，有机会为行为改变铺平道路。是什么还在阻碍着他们 的发展？

因此，我们知道，当患者的主张与某一派别社区保持一致时，它 们就会成为变革的引擎，大胆地重新定义共识的词汇，那就是：

我花了大量的时间帮助各家公司理解到，虽然他们最首要是一个

性是需要探索，而不是被隐藏的。自我保健就是性保健，而可预

性健康或技术产品，但他们必须经营得像一个生活风格品牌。向

防的保健就是具吸引力的保健。将其从实验室转移到消费者生活

人们传达自己的关心，希望提供教育，并全面支持人们，这是至

方式的路线图，正是经营生活风格的闪光点，而它是可行的。这

关重要的。

是关键所在。而且，这真的是生活和（性）科技的问题。

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FEATURE CATAGORY 专题报道

JUST WHAT THE DOCTOR ORDERED 正合我”医”

REPRESENTING THE TABIB.MT DIGITAL HEALTH PLATFORM, PROJECT LEAD, MICHAEL PSAILA DEBONO AND CO FOUNDER, DR DYLAN ATTARD SPEAK WITH JEREMY MICALLEF TO GIVE US AN INSIGHT INTO TELEHEALTH IN MALTA AND HOW IT CAN ADD TREMENDOUS VALUE TO YOUR COMPANY. 代表tabib.mt数字健康平台，项目负责人Michael Psaila Debono和共 同创始人Dylan Attard博士与Jeremy Micallef进行了分享，让我们深入 了解马耳他的远程医疗，以及它如何为您的公司增加巨大的价值。

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STEERING THE CREATIVE WHEEL

Thanks to tabib.mt, long gone are the archaic systems

The tabib.mt team launched the platform as an MVP (Minimum Viable Product) during the first COVID-19 wave to test the waters, and although a new concept for Malta, it has since taken off with no signs of stopping, motivating us to keep improving our product offering.

The hugely positive influence of foreign expats living in Malta has certainly aided our growth, with 50% of all patients booking online consultations on tabib.mt being non-locals. The team believes that tabib.mt adds a special kind of value to expats living here for two main reasons.

• Most expats would already be used to such

of calling up a doctor to home-visit a sick employee or expecting the employee to get out of the house and visit a doctor for a sick-note. Instead, the employee can consult a doctor from his own home, all the while the HR manager knows that a doctor has attended to their employee. This is not only a benefit for the employee, but a great, accountable system for the company itself.

Reduced employee absenteeism, lowered costs, increased productivity, promotion of social distancing when contact is unnecessary and safety and convenience for your staff are only but a few of the benefits that tabib.mt will bring to your company.

platforms back at home.

• Healthcare systems differ from country to country, and telehealth platforms alleviate any potential difficulty to adapt to them.

Whilst some healthcare problems require ER attendance, such as if you break your arm, a number of conditions can be attended to digitally. Tabib.mt was not designed to replace traditional medical visits, but rather as a facilitator of the process. We look at tabib.mt as extending the services of healthcare practitioners by

Healthy employees = healthy company = healthy industry = healthy economy. We are all in this together.

“ Tabib.mt was not designed to replace traditional medical visits, but rather as a facilitator of the process”

bridging the gap between

THE SIMPLICITY AND VERSATILITY Although called tabib.mt, the platform does not only offer GP (General Practitioner) / Medical Doctor services to the stakeholder, and since launching, we have managed to onboard over 30 healthcare practitioners that come from over 18 different medical backgrounds.

Something the pandemic has allowed us to do is sit back, think and re-evaluate our lives. I feel that especially mental health has really been taken for granted

them and potential patients who seek the safety and

over the last years. Our lives have become more fast-

convenience of online medical consultations.

paced, more stressful and busier, and this is especially

ADDING VALUE TO YOUR EMPLOYER BRANDING

relevant in the ever-so-speedy iGaming industry.

iGaming is famously known for having strong employer

If you’re like most employers, then you know that your

branding across the industry - giving added-value

teams are your most important asset, and safeguarding

benefits to employees, amazing social gatherings and

their health plays a critical role in their success - and yours.

also health prospects.

Tabib is transforming healthcare by providing telehealth services that benefit both employers and employees.

Up until now, in Malta, it was impossible for HR

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managers of these esteemed companies to explore the

If you would like to use tabib.mt services and put your

idea of offering a telehealth platform as a benefit to

company’s health at the forefront, please do not hesitate

their employees - it simply didn’t exist.

to contact me via email, on m.psaila@tabib.mt.

| #MedTechWorld #MedCannWorld

Issue Issue55

FEATURE CATAGORY 专题报道

掌舵创意之轮 tabib.mt团队在第一波新冠疫情浪潮中以 MVP（最小可行产品）形式推出了这个平 台，虽然对马耳他来说这是一个新概念， 但自此之后，它的发展没有停止的迹象， 这也激励着我们不断完善所提供的产品 服务。 居住在马耳他的外籍人士拥有的巨大积 极影响力，无疑为我们的发展提供了帮 助，在tabib.mt预约在线咨询的患者中，

医生、开病假条的陈旧制度早已不复存 在。取而代之的是，员工可以在自己的 家里咨询医生，同时人力资源经理也知道 有医生为他们的员工看病。这不仅是员工 的福利，对公司本身也是一个优良且负责 任的制度。 减少员工缺勤、降低成本、提高生产力， 在没有必要接触的情况下促进社交距离， 同时为员工提供安全和便利，这些都是 tabib.mt为您的公司带来的好处。

有50%为非本地人。团队认为，tabib.mt

健康的员工=健康的公司=健康的产业=健

为居住在这里的外籍人士带来了特殊的价

康的经济。我们都是一体的。

值，主要原因有两个。 •

大多数外籍人士在自己国内早就已 经习惯了这样的平台。

•

医疗系统随着国家不同，而远程医 疗平台减轻了任何适应的潜在困 难。

简洁性与多功能性 虽然名为tabib.mt，但该平台不仅为利益 相关者提供GP（全科医生）/医生服务， 自推出以来，已经有30多名医疗从业者 成功进驻，他们拥有超过18种不同的医 疗背景。

“Tabib.mt的设计并不是为了取代传统的 医疗看诊，而是作为这个过程的促进者” 虽然有些医疗问题需要至急诊室就诊，比

疫情让我们得以坐下来，思考并重新评估

如胳膊骨折，但一些病症可以通过数字方

我们的生活。在过去的几年里，健康，尤

式就诊。Tabib.mt的设计并不是为了取代

其是心理健康，被人们认为是理所当然

传统的医疗看诊，而是作为这个过程的促

的。随着生活节奏越来越快，压力越来

进者。我们认为tabib.mt是医疗从业者服

越大，人们越来越忙，这在高速发展的

务的延伸，为他们架起桥梁，与寻求安全

iGaming产业尤为重要。

及便利的在线医疗咨询的潜在患者沟通。

如果您和大多数雇主一样，那么，您会

为您的雇主品牌增加价值

知道团队是最重要的资产，而保障他们

iGaming在整个产业中以拥有强大的雇主

的健康，对他们以及您本身的成功皆起着

品牌而闻名——为员工提供增值福利、令

至关重要的作用。Tabib正在通过提供远

人惊叹的社交聚会以及健康前景。过去， 人惊叹的社交聚会以及健康前景。 过去，

程医疗服务来改变医疗形态，让雇主和员

在马耳他，这些受人公司敬重的人力资源

工都受益。

经理，不可能衍生为员工提供远程医疗平 台作为福利的想法——这根本不存在。 如今，多亏了tabib.mt，请医生上门为生

如果你想使用tabib.mt的服务，并将贵公 司的健康放在首位，请不要犹豫，通过电 子邮件联系我，m.psaila@tabib.mt。

病的员工看病，或者希望员工走出门去看

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WHO’S WHO 谁是谁

IN THE #AIBC ECOSYSTEM 谁是谁:在#AIBC 生态系

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WHO’S WHO 谁是谁

RYAN CACHIA

KEVIN ABELA

As the merchant acquiring division of TRU//ST Payments Group, acquiring.com has market-leading expertise in building flexi-smart payment ecosystems for online gaming merchants, offering multicurrency payments, OCTS, crypto payments, Apple pay for gaming in EMEA and the US, multi-language payment pages and an acquiring network of over forty banks globally.

Acunetix lets you manage security risks associated with your web presence. It detects an extensive range of web vulnerabilities and helps you eliminate them. Acunetix is the tool of choice of many industry leaders including Fortune 500 companies. Book a free demo or learn more on our website.

Managing Director 执行总监

VP Global Channel Sales 全球渠道销售VP

Acunetix让您管理与您的网络相关的安全风险。它能检测出广泛的 作为TRU//ST Payments Group的商户收单部门，acquiring.com在为在线博

网络漏洞，并帮助您消除这些漏洞。Acunetix是包括财富500强企

弈商户建立灵活智能的支付生态系统方面拥有市场领先的专业知识，提供多

业在内的许多产业领导者的首选工具。预订免费演示，或在 www.

币种支付、OCTS、加密支付、欧洲、中东和非洲地区及美国的Apple pay博

acunetix.com 了解更多信息。

弈支付、多语言支付页面以及全球四十多家银行的收单网络。

www.acunetix.com

www.acquiring.com

DANIEL BUTTIGIEG

MARK ATTARD

APCOPAY is a fully integrated payments solution providing clients all that is needed for multi-channel and multi-currency payment options through a single interface. The solution caters for high transaction volumes, scalability and continuous improvement. With headquarters in Malta, Apcopay blends over 40 acquiring partners and 240+ payment options globally.

BDO is an end-to-end professional services and advisory firm, with over 40 years’ experience in advising organisations, including iGaming companies in accelerating business growth.

We have extensive knowledge in managing the remote gaming licence application process and assisting with the documentation required by the Malta Gaming Authority.

APCOPAY是一个完全集成的支付解决方案，通过单一界面为客户提

BDO是一家端到端的专业服务和咨询公司，拥有超过40年的经验，

供多渠道和多币种支付选择的所有需求。该解决方案可满足高交易

为包括iGaming公司在内的机构提供建议以加速业务增长。我们在管

量、可扩展性和持续改进的需求。Apcopay总部位于马耳他，在全球

理远程博弈牌照申请流程、以及协助马耳他博弈管理局所需的文件

范围内融合了40多个收单合作伙伴和240多种支付方式。

方面拥有丰富的知识。

www.apcopay.com

www.bdo.com.mt

PATRYK KADLEC

PAUL BAO

BitBay Pay is a regulated payment provider, processing payments in 10 most popular cryptocurrencies with automatic conversion to USD, EUR, GBP, PLN. An estonian cryptocurrency licence allows us to process Crypto to Fiat payments and Fiat to Crypto withdrawals. Conversion to FIAT, API and POS app is the main BitBay feature.

BitCherry is the first distributed e-commerce network in the world, committed to empowering the traditional retail service industry through blockchain technology, and creating a new shared e-commerce super ecosystem.

Head of Business Development 业务发展主管

CEO 首席执行官

BitBay Pay是一家受监管的支付提供商，处理10种最流行的加密货币 的支付，自动转换为美元、欧元、英镑、兹罗提。爱沙尼亚加密货币

Partner & CEO 合伙人兼首席执行官

CEO 首席执行官

BitCherry是全球首个分布式电商网络，致力于通过区块链技术赋能传统 零售服务业，打造全新的共享电商超级生态系统。

www.bitcherry.io

执照允许我们处理加密货币到法币的支付，以及法币到加密货币的提 款。转换为法币、API和POS应用程序是BitBay的主要功能。

www.bitbaypay.com

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THE WORLD’S BIGGEST MUSICAL OBSERVATORY

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8

TOP ORCHESTRAS

WHO’S WHO 谁是谁

MEGAN LI

SRDJAN KAPOR

BitDesk is a blockchain integrated marketing and consulting firm.

We unearth and support the future superstars. With a diversified background in blockchain, PR & marketing, finance and technology, our team is dedicated to create a specialised marketing strategy and work in the frontline for clients to accelerate their global expansion.

BitStarz is the millionaire-making, award-winning online casino that’s raised the bar in 2019. No withdrawal limits, 10-minute cashouts, prize-loaded promotions, and a huge 2,600 strong game selection have put us on the map. Make no mistake, with more than 1.7 million registered players, BitStarz is an industry leader!

BitDesk是一家区块链整合营销和咨询公司。我们发掘并支持未来的超级明

BitStarz是获利百万，获奖的在线赌场，我们为2019年提高了标准。无

星。我们的团队拥有区块链、公关与营销、金融和技术等多元化背景，致力

取款限制、10分钟兑现、有奖促销，以及广泛、2600个强大的游戏选

于为客户打造专业化的营销策略，并在一线工作，加速客户的全球扩张。

择使我们名闻遐迩。毫无疑问地，BitStarz拥有170多万注册玩家，是产

CEO 首席执行官

www.bitdesk.sg

Head of Affiliation & Acquisiton 代理与收购主管

业的领导者！

www.bitstarz.eu

EDWARD LI

CHRISTIAN PLATZER

BitTok is a global new digital asset management platform. Its core functions are storage, transaction and asset appreciation.

It is an indispensable digital asset “smart housekeeper” for individual and institutional investors.

Tokenisation as a service: Black Manta Capital Partners are a one-stop-agency for all technical, financial, and legal aspects of Tokenisation. We are a multi-STO platform, licenced by BaFin, in Germany.

BitTok是一个全球性的新型数字资产管理平台。其核心功能是存储、

标记化即服务：Black Manta Capital Partners是一个一站式的机

交易和资产增值。它是个人和机构投资者不可或缺的数字资产 “智

构，提供所有技术，金融和法律方面的标记化。我们是一个多STO平

能管家”。

台，由德国BaFin授权。

www.bittok.io

www.blackmanta.capital

CHRISTIAN SAMMUT

ASSAF DOR

BMIT Technologies - Malta’s largest data centre, with data centres in Germany and Italy too. BMIT Technologies offers CoLocation, Cloud and Hybrid IT services. Offering 24x7 support and specialised Managed IT Services to customers ranging from smallest to the largest online gaming operators.

Cellxpert, the leading affiliate tracking software, puts you in full control of your affiliate program. Run all marketing channels and reach meaningful insights based on your performance, results and ROI. One practical solution to increase your revenue: from tracking and campaign performance management to adserving and regulation tools.

BMIT Technologies——马耳他最大的数据中心，在德国和意大利也有

Cellxpert，领先的代理跟踪软件，让您完全控制您的代理计划。运行所有

数据中心。BMIT Technologies提供主机托管、云计算和混合IT服务。

的营销渠道，并根据您的业绩、结果和投资回报率获得有意义的见解。这

为从小型到大型在线博弈运营商的客户提供全年无休的支持以及专业

是一个实用的解决方案，能够增加您的收入：从跟踪与广告活动绩效管理

的IT管理服务。

到广告服务和监管工具无所不包。

www.bmit.com.mt

www.cellxpert.com

CMO 首席营销官

CEO 首席执行官

Co-Founder & Managing Partner 共同创始人及管理合伙人

CEO 首席执行官

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WHO’S WHO 谁是谁

REMCO BOSCH

BEATRICE COLLET

Chetu provides custom software development to the gaming and casino industries as well as Payment Processing, Hospitality including F&B, Self-Service, Retail, Security, Ticketing & Event Management, Digital Entertainment, C II & CIII Game Development, Mobile Apps and Lab Cert. & Testing. You own the code when we are finished.

Chiliz is a digital currency for sports and entertainment platforms.

It fuels the world’s first scalable, tokenised voting platform, Socios. com where fans can buy, trade, and execute voting rights in their favourite sports teams.

International Account Manager 国际客户经理

Managing Director 执行总监

Chiliz是一种体育和娱乐平台的数字货币。它为世界上第一个可扩展的、 Chetu为博弈与赌场产业提供定制软件开发，以及支付处理、酒店业（包括

代币化的投票平台Socios.com提供了动力，球迷们可以购买、交易和执

餐饮业）、自助服务、零售业、安保、票务与活动管理、数字娱乐、C II与

行他们喜爱的运动队的投票权。

C III游戏开发、移动应用和实验室认证与测试。当我们完成后，您将拥有 编码。

www.chiliz.com/en/home

www.chetu.com

TOM BLOOR

MAX KRUPYSHEV

Cryptopay is a global payment gateway that allows merchants to accept bitcoin and other cryptocurrencies. Using Cryptopay, merchants can settle in digital assets, or traditional fiat currency. With a suite of reporting and risk management tools to offer in addition, Cryptopay is the leading gateway provider for cryptocurrency payments.

Cryptoprocessing.com is the #1 service provider when it comes to processed transactions in iGaming. Our products include cryptoprocessing, wallet, white label and OTC desk. You should try CryptoProcessing for instant deposits in crypto, settlements in the most popular fiat currencies, simple integration, instant exchange to fiat, automatic payouts and blockchain-based risk assessment.

Head of Gaming 博弈主管

CEO 首席执行官

Cryptopay是一个全球支付网关，允许商家接受比特币和其他加密货 币。使用Cryptopay，商家可以用数字资产或传统的法币进行结算。此

Cryptoprocessing.com是iGaming中处理交易的第一服务提供商。我

外，Cryptopay还提供一套报告和风险管理工具，是加密货币支付的领先网

们的产品包括加密处理、钱包、白标和OTC Desk。您应该尝试使用

关供应商。

CryptoProcessing，以加密货币进行即时存款，以最流行的法币进行结 算，透过简单的集成，即时兑换成法币，自动支付以及基于区块链的风

www.cryptopay.me

险评估。

www.cryptoprocessing.com

ROGER A. STRICKLAND JR

BRIAN ZARB ADAMI

Roger A. Strickland Jr is CSB Group’s Director and iGaming Consultant and is mainly responsible for smooth incorporation of iGaming companies. With a wide network of contacts and know-how within the online iGaming industry, Roger can offer a wealth of experience and is strategic in bringing key stakeholders together.

Specialist firm offering Cyber-security managed services, end point protection, vulnerability assessments and development of bespoke security solutions designed to bridge the gap between procedural and technical compliance.

Director 总监

CEO 首席执行官

一家专业公司，提供网络安全管理服务、端点保护、漏洞评估和定 Roger A. Strickland Jr是CSB集团的总监暨iGaming顾问，主要负责iGaming 公司的顺利注册。Roger在iGaming产业拥有广泛的人脉网络和专业知识，能 够提供丰富的经验，并能战略性地将主要的利益相关者聚集在一起。

www.csbgroup.com

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Issue 5

制安全解决方案的开发，旨在弥补程序和技术合规性之间的差距。

www.cybersift.io

WHO’S WHO 谁是谁

FELIX MAGO

PAVEL TKACHUK

Dash is a payments-centric digital currency that enables anyone to make quick, easy and cost-effective payments at any time, anywhere in the world, without going through a central authority. Based on a decentralised peer-to-peer network and secured by strong cryptography. Dash offers a safe and user-friendly payment method without barriers.

DataHub is a tailor-made CRM solution for customer support and marketing offices. Communicate with your clients in a simple chat and get in one click all the information about customer info, transactions, last games and much more.

Segment your customers through tens of parameters, create unique offers and enhance ROI.

Dash是一种以支付为中心的数字货币，使任何人都可以在任何时间、任何地

DataHub是一款为客户支持和营销办公室量身定做的CRM解决方

点进行快速、简单和具有成本效益的支付，而无需通过中央机构。基于去中

案。通过简单的聊天与客户沟通，一键获取客户信息、交易情况等

心化的点对点网络，并通过强大的加密技术确保安全。Dash提供了一种安全

所有信息。通过数十种参数对客户进行细分，创造独特的优惠，提

且用户友好的无障碍支付方式。

高投资回报率。

www.dash.org

www.indatahub.com

MR. OLEG BOGDANOVICH

DENITZA DIMITROVA

Daxchain is a digital currency trading platform offering services for crypto traders and merchants, who trade in virtual currencies.

Our leading blockchain technology enables us to provide fast and secure operations with advanced anti-fraud measures. Daxchain’s mission is to provide excellent services, technological innovation, low fees, and rigorous security standards.

DD Consultus specialises in the online gaming industry, online payment processing and related services. The company offers senior international gaming consultancy to all sectors of the gaming industry as well as consultancy to online payment processors and assists in the acquisition of financial institutions and e-money licences.

Daxchain是一个数字货币交易平台，为以虚拟货币进行交易的加密交

DD Consultus专注于在线博弈产业、在线支付处理及相关服务。公

易者和商家提供服务。我们领先的区块链技术，使我们能够提供快速

司为博弈产业各领域提供资深的国际博弈咨询，同时为在线支付处

和安全的操作，并采取先进的反欺诈措施。Daxchain的使命是提供优

理商提供咨询，并协助收购金融机构和电子货币牌照。

Co-Founder 共同创始人

CEO 首席执行官

质的服务、技术创新、实惠的费用和严格的安全标准。

CEO 首席执行官

Managing Director 执行总监

www.ddconsultus.com

www.daxchain.eu

PER SUNDELL

ALEXANDER SUHOBOKOV

PaymentIQ is DevCode Payment’s merchant payment platform built especially for the iGaming industry. Together with our iGaming clients, we have developed, streamlined and implemented payment solutions from all around the world, meeting the highest requirements on availability, performance, security and flexibility.

Dukascopy Bank is an innovative Swiss bank with global online banking and online brokerage solutions. Dukascopy is the first bank to issue its own crypto token globally - Dukascoin - in the public blockchain and soon-to-be-released multi-currency stable coin.

The bank is interested in crypto-related partnerships.

Senior Business Development Manager 资深业务发展经理

Head of Fintech, Senior VP 金融科技主管、资深VP

Dukascopy银行是一家创新的瑞士银行，提供全球在线银行和在线经纪 PaymentIQ是DevCode Payment专门为iGaming产业打造的商户支付

解决方案。Dukascopy是第一家在公共区块链上于全球发行自己的加密

平台。与博弈客户一起，我们已经开发、简化且实施了来自世界各地

代币——Dukascoin——的银行，并即将发布多币种稳定币。该银行对

的支付解决方案，满足可用性，性能，安全性和灵活性的最高要求。

加密相关的合作十分感兴趣。

www.bambora.com

www.dukascopy.com

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Move funds between crypto wallets, exchanges, and platforms.

At crazy speed.

www.dash.org/fastpass

WHO’S WHO 谁是谁

GERMANO ARNÒ

LLOYD PURSER

Em@ney PLC is an Electronic Money Institution, licenced in Malta by the MFSA, authorised to operate in all SEPA countries. The company is involved in issuing of electronic money, payment services, payment circuits and innovative internet banking solutions, fully customisable, based on the most advanced technology, security and execution speed.

FunFair was created in 2017 by iGaming veterans Jeremy Longley, Oliver Hopton and technology entrepreneur and investor Jez San OBE and has since expanded to become the largest and most experienced team in blockchain gaming.

FunFair is the leading provider of blockchain-powered casino technology to the gaming sector.

CEO 首席执行官

SVP Business Development 业务发展SVP

Em@ney PLC是一家电子货币机构，在马耳他获得了MFSA的执照，授权在 所有SEPA国家开展业务。该公司参与发行电子货币、支付服务、支付电路

FunFair由iGaming资深人士Jeremy Longley、Oliver Hopton以及技

和创新的互联网银行解决方案，完全可定制，基于最先进的技术、安全性和

术企业家兼投资人Jez San OBE于2017年创立，之后不断扩大，成为

执行速度。

区块链博弈领域规模最大、经验最丰富的团队。FunFair是博弈产业

www.emoney.com.mt

领先、区块链驱动的赌场技术供应商。

www.funfair.io

TZAHI KANZA

JAIME DEBONO

FutureBlock is a unique Blockchain startups investment and acceleration program. FutureBlock incubates and invests in Blockchain startups with proven business models. We provide deep operational support to startups and help them build market-leading Blockchain companies.

With 30,000+ learners online, 2,500+ classroom attendees and 60+ corporate clients, iGaming Academy is the industry’s foremost provider of compliance and skills-based training. Available in eLearning or face-to-face format and delivered via our state of the art, full customisable learning management system.

FutureBlock是一个独特的区块链初创企业投资及加速计

iGaming Academy拥有30,000多名在线学习者、2,500多名课堂学员和

划。FutureBlock孕育同时投资具有成熟商业模式的区块链初创企

60多名企业客户，是业内最重要的合规性和技能培训提供商。可提供

业。我们为初创企业提供深度运营支持，帮助他们打造市场领先的

电子学习或面授形式，并通过我们最先进的、可完全定制的学习管理系

区块链公司。

统进行授课。

www.futureblockhub.com

www.igacademy.com

PAUL MATHIESON

JUANITA BROCKDORFF

Investment Evolution is a Malta-based company with its own IEC cryptocurrency coin/network and operates the IECX Malta cryptocurrency exchange. IEC cryptocurrency facilitates fast and free international payments to the Philippines by Filipino OFWs in Europe. We also provide cryptocurrency token creation/exchange listing services and plan to offer cryptocurrency loans.

KPMG in Malta is a multidisciplinary firm committed to supporting clients in the emerging technology, DLT and AI spaces. It is a recognised systems auditor and one of the leading providers of tax, advisory and audit services, with a dedicated cross-functional team servicing emerging tech clients.

Managing Partner 管理合伙人

Founder & CEO 创始人兼首席执行官

Managing Director 执行总监

DLT Leader DLT负责人

马耳他的KPMG是一家多专业公司，致力于支持新兴技术、分散式賬本 Investment Evolution是一家位于马耳他的公司，拥有自己的IEC加密

技術（DLT）和人工智能领域的客户。它是公认的系统审计师，也是税

货币/网络，并经营IECX马耳他加密货币交易所。IEC加密货币为在欧

务、咨询和审计服务的领先供应商之一，拥有一支专门的跨职能团队为

洲的菲律宾离岸劳工向菲律宾进行快速免费的国际支付提供了便利。

新兴技术客户提供服务。

我们还提供加密货币代币创建/交易所上市服务，并计划提供加密货 币贷款。

www.kpmg.com.mt

www.investmentevolution.com

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EBO is an AI company that brings innovation and change.

HUMAN CONVERSATIONS, AUTOMATED.

We automate processes centered on customer conversations.

Our technology is delivered via a highly customisable Virtual Agent. With the use of machine learning, it is designed to be indistinguishable from a human agent while continuously learning how to better perform tasks.

Each EBO Virtual Agent is customised in close consultation with the client to ensure the solution meets the needs of each individual company.

WHO’S WHO 谁是谁

DENNIS MARK GAUCI

DAVID MOCK

KSi Malta is a tax, legal advisory and corporate services firm providing a wide range of services to both local and international clients. KSi Malta is a member of Morison KSi, a global association of leading professional service firms, consisting of 150+ member firms, is present in 80+ countries, employs approximately 10,000 staff, and has a turnover of $1 billion.

Momentum Protocol is the standard protocol for blockchain loyalty programs, maximizing the loyalty program opportunity.

We are the world’s first blockchain and crypto-token based loyalty rewards protocol and marketing automation middleware, all powered by the Momentum Token. This breakthrough redefines the way in which companies communicate with, and reward their customers.

Partner for International Clients 国际客户合作伙伴

CEO 首席执行官

KSi马耳他是一家税务、法律咨询和企业服务公司，为本地和国际客户提供广 泛的服务。KSi马耳他是Morison KSi的成员之一，Morison KSi是全球领先的

Momentum Protocol是区块链忠诚度计划的标准协议，最大限度

专业服务公司协会，由150多家成员公司组成，在80多个国家开展业务，拥

地增加忠诚度计划的机会。我们是世界上第一个基于区块链和加密

有约10,000名员工，营业额达10亿美元。

令牌的忠诚度奖励协议和营销自动化中间件，全部由Momentum

www.ksimalta.com

Token提供支持。这一突破重新定义了公司与客户沟通和奖励客户 的方式。

www.momentumprotocol.com

RANDY BOYER

DAVIDE CUTTINI

Network Society Lab (NSL) is a venture development advisory firm headquartered in Malta with offices in Argentina, Australia and the United States. It focuses on adding value to startup, early-stage, and growth companies that are based upon exponential technologies and decentralised networks, including blockchain and artificial intelligence technologies.

OVR is a cutting-edge, customisable augmented reality platform powered by the Ethereum Blockchain tech. The ultramodern decentralized infrastructure creates an immersive experience based on the user’s geographic position with the smart phone, and OVR Live facilitates greater communication and authentic interaction through user’s personal avatar.

Network Society Lab（NSL）是一家风险发展咨询公司，总部设在马

OVR是一个由以太坊区块链技术驱动、前端、可定制的增强现实平

耳他，在阿根廷、澳大利亚和美国设有办事处。它专注于为初创公

台。超现代的去中心化基础设施，根据用户与智能手机的地理位置

司、早期阶段和成长型公司增加价值，这些公司基于指数技术和去

创造了沉浸式体验，OVR Live通过用户的个人头像，促进了更大程

中心化网络，包括区块链和人工智能技术。

度的交流和真实互动。

www.netsoclab.com

www.ovr.ai

ROB LEMMEN

JOSEPH F BORG

Truevo Payments is an EU-licenced acquirer and payments company based in Malta. As a principal member of Visa and Mastercard, Truevo provides gateway services, card acquiring, original credit transfers (OCTs) and virtual POS services to businesses across Europe. If you’re looking for a reliable and secure payments partner, visit www.truevo.com.

WH Partners is a Malta - based leading law firm with a business focus and expertise in gaming & gambling, fintech, technology, ta, M&A and corporate finance. The firm also advises clients on intellectual property, data protection, capital markets, commercial contracts, real estate, employment law, trusts and foundations and citizenship, residence & immigration.

Truevo Payments是一家获得欧盟许可的收单和支付公司，总部位于

WH Partners是一家总部位于马耳他的领先律师事务所，其业务重点和

马耳他。作为Visa和万事达卡的主要成员，Truevo为欧洲各地的企业

专长是游戏与博弈、金融科技、技术、并购和企业融资。该公司还为客

提供网关服务、收单、原始信用转账（OCTs）以及虚拟POS服务。如

户提供知识产权、数据保护、资本市场、商业合同、房地产、劳动法、

果您正在寻找一个可靠和安全的支付合作伙伴，

信托和基金会以及公民身份、居留与移民方面的建议。

www.truevo.com

www.whpartners.eu

CEO 首席执行官

CCO 首席商业官

CEO 首席执行官

Partner 合伙人

Issue 5

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MEDIA PARTNERS 媒体伙伴

MEDIA PARTNERS AMBCrypto is an independent blockchain and cryptocurrency news publishing platform. AMBCrypto was conceptualised and brought to life in 2018. We take great pride in the fact that we are a non-funded organisation and have seen exponential growth since inception. We are among the top cryptocurrency media portals in the world.

AMBCrypto是一个独立的区块链和加密货币新闻发布平台。AMBCrypto于2018 年构思并付诸实施。我们非常自豪的是，我们是一个非供资组织，自成立以来， 发展呈指数级增长。我们是全球顶尖的加密货币媒体门户之一。

Asia Blockchain Review is the largest initiative for media and community building in Asia for blockchain technology. We aim to connect all blockchain enthusiasts on a regional scale and facilitate the technological foundation of blockchain through a range of group discussions, technical workshops, conferences, and consulting programs.

Asia Blockchain Review是亚洲最大的区块链技术媒体与社群建设的倡议。我们 的目标是在区域范围内连接所有区块链爱好者，并通过一系列的小组讨论、技术 研讨会、会议和咨询项目来促进区块链的技术基础。 www.asiablockchainreview.com

www.ambcrypto.com

AtoZMarkets.com is one of the world’s largest media portals specialised in financial markets. Since 2013 AtoZ Markets has been unceasingly providing accurate signals, indicators, educational articles, as well as conducting trustworthy reviews for service providers, forex brokers, and crypto exchanges. All of this is for one simple reason: to make financial markets open and approachable for everyone.

CoinNewsExtra is the fastest growing global blockchain, crypto and fintech media platform with its headquarters in Lagos State Nigeria, West Coast of Africa. CoinNewsExtra’s mission is to educate the African populace and the world about emerging technologies, and how they can leverage blockchain and crypto to create wealth and innovation.

AtoZMarkets.com是全球最大的金融市场专业媒体门户之一。自2013年

台，总部位于非洲西海岸尼日利亚拉各斯州。CoinNewsExtra的使命是

以来，AtoZ Markets持续不间断地提供准确的信号、指标、教育文章，

教育非洲民众和世界了解新兴技术，以及他们如何利用区块链和加密货

并且针对服务提供商、外汇经纪商以及加密交易所进行值得信赖的评

币创造财富与创新。

CoinNewsExtra是全球发展最快的区块链、加密货币与金融科技媒体平

论。所有这些都是为了一个简单的原因：让金融市场对每个人开放且易 于亲近。

www.coinnewsextra.com

www.atozmarkets.com

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MEDIA PARTNERS 媒体伙伴

Coinpedia is the leading independent digital media resource covering a wide range of news on blockchain technology, crypto assets, and emerging fintech trends. Every day our team delivers the most accurate and up-todate news from both the decentralized and centralized worlds. Our primary focus is to provide our readers with the latest unbiased, carefully researched cryptocurrency news stories.

Cointelegraph is the leading independent digital media resource covering a wide range of news on blockchain technology, crypto assets, and emerging fintech trends. Content aims to deliver unbiased news, in-depth analytics, cryptocurrency price charts, insightful opinion pieces, as well as regular reports on the social transformation that digital currencies bring.

Coinpedia是领先的独立数字媒体资源，涵盖了区块链技术、加密资产和新兴

产和新兴金融科技趋势的广泛新闻。 内容旨在提供无偏见的新闻，深入的分

金融科技趋势的各种新闻。每天我们的团队都会从去中心化与中心化的世界 中提供最准确和最新的新闻。我们的首要焦点，是为读者提供最新的公正、 经过仔细研究的加密货币新闻故事。

Cointelegraph是领先的独立数字媒体资源，涵盖有关区块链技术，加密资 析，加密货币价格图表，有见地的观点，以及有关数字货币带来的社会转型 的定期报告。 www.cointelegraph.com

www.coinpedia.org

Cryptoknowmics Is an innovative platform that is dedicated to providing intuitive prospects and the latest updates about the cryptocurrency market and blockchain technology. For many business enthusiasts that are aspiring to venture into the cryptocurrency business, Cryptoknowmics is the best resource to gain insightful knowledge about cryptocurrencies. Get all the latest news and updates related to the crypto-universe here.

Cryptoknowmics是一个创新的平台，致力于提供直观的前景，以及加密货币 市场和区块链技术相关的最新信息。对于许多有志于涉足加密货币业务的商业 爱好者来说，Cryptoknowmics是获得加密货币深刻知识的最佳资源。于此获

CryptoNewsZ is a news publication that brings the latest news on cryptocurrencies, blockchain, ICOs, crypto exchanges, DApps, price analysis of cryptocurrencies, interviews, and other prominent events. We aim to evolve the crypto world to understand each concept. Ours is a commercial website providing news with an extensive reach of users across the world.

CryptoNewsZ是一个新闻刊物，它带来了关于加密货币、区块链、ICO、加密 交易所、DApps、加密货币的价格分析、采访和其他重大事件的最新消息。我 们的目标是发展加密世界，了解每个概念。我们是一个提供新闻的商业网站，

得所有与加密宇宙相关的最新消息和更新。

用户遍及全球。

www.cryptoknowmics.com

www.cryptonewsz.com

The Cryptonomist is a magazine based in Switzerland. It provides free insightful articles about trading, blockchain tech, cryptocurrencies and fintech. It is published online, for free, in both Italian and English. Also, The Cryptonomist provides blockchain startup and companies with marketing consultancy, translation, press agency services and much more.

Cryptopolitan launched in 2017 as a neutral, industry media. While many have come and gone, Cryptopolitan has grown to a team of 35+, with year-on-year growth. Cryptopolitan serves up industry news, crypto & blockchain tech reviews, product launches, and now reaches over 3 million crypto industry readers every year, with 110,000+ on email and social.

The Cryptonomist是一本总部设于瑞士的杂志。它免费提供关于交易、区块

Cryptopolitan作为一家中立的产业媒体自2017年推出。虽然人们来来去去，

链技术、加密货币和金融科技的深刻文章。它以意大利语和英语在线免费出

但Cryptopolitan已经发展为35人以上的团队，并且逐年增长。Cryptopolitan

版。同时，The Cryptonomist还为区块链初创企业和公司提供营销咨询、翻

提供产业新闻、加密货币与区块链技术评测、产品发布等信息，目前每年覆盖

译、新闻代理服务等。

超过300万加密产业读者，其中有超过11万人在电邮与社交媒体上。

en.cryptonomist.ch/categoria/events

www.cryptopolitan.com

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MEDIA PARTNERS 媒体伙伴

Established in 2016, The Fintech Times is a multimedia news outlet centred around the first and only dedicated fintech newspaper. Chronicling the latest developments in cutting-edge financial technologies including payments innovation, RegTech, Banking Transformation, AI, cryptocurrencies, WealthTech, cybersecurity, Insurtech and many more. Fintech needs an authoritative voice that gives our industry exposure and integrity.

The Fintech Times成立于2016年，是第一份、也是唯一一份以金融科技报纸 为中心、专门的多媒体新闻机构。记录前线金融科技的最新发展，包括支付创 新、监管科技、银行转型、人工智能、加密货币、财富科技、网络安全、保险 科技等。金融科技需要一个权威的声音，让我们的产业得到曝光和公正。

FortuneZ.com is a global digital media publication covering markets, iGaming, sports betting, eSports, blockchain and cryptocurrency news.

Founded in year 2000, FORTUNEZ has over a million followers in total across Facebook, Twitter, Instagram and LinkedIn, a testament of recognition by the industry’s professionals, aficionados, and enthusiasts alike.

FortuneZ.com是一个全球性的数字媒体出版物，涵盖市场、iGaming、体育 投注、电子竞技、区块链和加密货币新闻。FORTUNEZ成立于2000年，在 Facebook、Twitter、Instagram和LinkedIn上总共有超过100万的粉丝，这 正是产业的专业人士、爱好者和爱好者的认可证明。 www.fortunez.com

www.thefintechtimes.com

The primary purpose of the Java Card Forum is to promote, as an industry, the development of Java as the preferred platform for interoperable smart cards, secure devices and other execution environments. The Java Card platform is now one of the most pervasive technologies in the world.

Java Card Forum的主要目的是以一个产业促进Java的发展，使其成为可互操 作的智能卡、安全设备与其他执行环境的首选平台。Java Card Forum是目前 世界上最普遍的技术之一。

Malta Business was born to inform readers about the Maltese economic system and the many opportunities for project development that the island offers. We believe it is appropriate to make accessible the economic and social news about Malta, in the belief that companies should return to looking at the Mediterranean as a reference for their growth.

Malta Business的诞生是为了让读者了解马耳他的经济体系，以及马耳他 岛提供的众多项目发展机会。我们认为，让人们了解有关马耳他的经济和 社会新闻是合适的，同时确信企业应该重新将地中海作为发展的参考。

www.javacardforum.com

The Future is Now Media Group is a boutique media, consulting & PR agency, focused on image making, audit, strategy and tailoring editorial & digital marketing campaigns in top industry media for its partners all over the world.

The Future is Now Media Group是一家精品式媒体、咨询和公关机构， 专注于形象塑造、审核、策略，并为世界各地的合作伙伴量身定制顶级产 业媒体的编辑和数字营销活动。 www.thefutureisnow.community

www.maltabusiness.agency/it

U.Today Media Group is a global media organisation dedicated to helping you understand the new generation of tech and the future it brings to society. Our mission is to serve the emerging community of enthusiasts, professionals, and newcomers who explore, use, and develop the tech by heeding the core journalistic values of clear thinking, accuracy, and independence.

U.Today是一家全球性的媒体机构，致力于帮助您了解新一代科技，以 及它带给社会的未来。我们的使命是为探索、使用以及发展科技的新兴 爱好者、专业人士和新人社群提供服务，遵循清晰的思维、准确和独立 的新闻核心价值。 u.today

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Issue 5

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