The individual investor should act consistently as an investor and not as a speculator. — Ben Graham

There’s a mix of hype, hope and confusion about cryptocurrencies, particularly Bitcoin. Some regard Bitcoin as a medium of exchange. Others regard it as an investment and trading vehicle just like stocks. Yet there are those who are dismissive of cryptocurrencies altogether arguing that they have no place in the heavily-regulated financial sector. There’s no consensus on the importance of Bitcoin. But whether we like it or not, Bitcoin is a reality that can’t be ignored. …


I’ve previously discussed The Dark Side of Cryptocurrencies and to balance things out, I’ll now outline the bright side of cryptocurrencies. But just to recap, the two important downsides of cryptocurrencies are market manipulation and their use in illegal transactions.

The following are the upsides of cryptocurrencies:

  • Global appeal and recognition
  • Institutional investment
  • Rise of cryptocurrency industry
  • Perceived instability of the US dollar
  • Opposition to central and commercial banks
  • The need for digital currency

I want to note that when I say “bright side of cryptocurrencies”, it implies the potential of cryptocurrencies such as Bitcoin. There’s nothing bright about the…


Cryptocurrencies aren’t immune from being used in illegal transactions because they offer anonymity. They are safe havens and magnets attracting those who want to hide their financial transactions. In fact, this dark side of cryptocurrencies is one reason many are hawkish and dismissive of cryptocurrencies. I’ve partly discussed such concerns in another article, Will Bitcoin Replace the US Dollar? But there’s also concerns about market manipulation as cryptocurrencies are traded as assets.

But just because cryptocurrencies are used in illegal transactions doesn’t mean we should completely dismiss them just like we don’t dismiss fiat currencies because they too are used…


AI and Social Injustice

As organizations start to deploy artificial intelligence (AI) systems, debate and concerns about bias in AI are gaining significance. Many ask if certain AI algorithms are biased, e.g., algorithms used in HR, criminal justice, facial recognition etc. Fundamentally, the statement that a certain AI system/algorithm is ‘biased’ itself is biased because it generalizes and simplifies a complex, chronic and historical problem upon which bias is founded — social injustice. When an AI algorithm is believed to be biased or discriminatory, the disparate treatment and the adverse impact on a given group revolve around social injustice. …


As more and more electric cars such as those made by Tesla emerge on the roads, people wonder about their impact on the environment. Electric cars are often perceived as cars with zero-emissions or cars with little or no impact on the environment, but is that really the case? The answer really depends on who you ask.

Credit: McKinsey & Company

When people argue that a certain technology or a process harms the environment, they externalize the problem. Instead of admitting humans could be the ones to blame, they shift the blame to something else or someone else. One alternative proposal is this: Cars…

Salam Nahzat

MBA (MTI), Professional Masters Diploma (Security), CEH, Bachelor of Business Mgmt, BA (Social Science). Interests: AI, security, cryptocurrency, emerging tech.

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