I think that's because there's a growing recognition that that's what you need to know and that the countries that are emerging successfully are those that have well developed financial institutions that are adopting the technology.

我认为这是因为在那里越来越多人认识到,这才是他们所急需的知识,并且那些成功崛起的国家,都拥有完善的金融机构,并且能够应用这些技术

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"I started to realize the amount of time I was spending trying to compensate for the fact that I didn't know what investments needed to be made, and I didn't have the pattern recognition to know what was coming around the corner, " he says.

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In the future, the phone or tablet will be used for multifactor authentication, obtaining up to five factors without inconveniencing the account holder: the phone itself (something you have), a PIN number (something you know), face recognition (something you are), voice recognition (something you are), and GPS (somewhere you are).

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If it survives, I predict a dramatic new turn which may not have the same face or recognition as we know it now.

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