저자: ChamathPalihapitiya · 외국인
요약 보기
영상 결론: 특정 종목·자산에 대한 단기 가격 방향 예측은 없고, 기술 혁신과 파괴적 기술 투자의 사회적 의미에 대한 일반론 중심의 영상이다. [발언자 주장 - 사실 기반 의사결정] 기술 분야에서 사람들은 신적 개입 같은 믿음을 원하지만 성공은 결과가 아니라 매일의 꾸준한 과정과 근면에서 나온다고 주장. 회사 투자 시 실제 원자 단위 데이터를 파악하는 도구와 시스템을 도입한다고 설명. [Social Capital 소개 및 배경] SPAC을 통해 투기적 기술 기업을 공개시장에 상장시킨 것으로 소개되며, 발언자는 Facebook 초기 경영진 출신으로 글로벌 성장을 이끈 플랫폼을 개발했다고 소개됨. 저금리 시대를 실수였다고 평가하는 내용이 자막에 포함됨. [금리 관련 발언] 금리 인상 자체가 문제가 아니라 공짜나 다름없던 돈에서 정상적인 수준으로 전환하는 과정이 문제라는 취지의 인용이 있음. [파괴자와 피파괴자] 세상은 파괴하는 기업과 파괴당하는 기업으로 나뉘며, 파괴자가 무엇을 만드는지 이해하고 피파괴 기업을 어떻게 개선할지 알아야 한다고 주장. 로봇과 사이보그가 일자리를 가지고 나머지는 무작위 과업을 전전하는 디스토피아를 피해야 한다고 언급. [투자 조직의 목표 - 챕터 2] 초기 7년간 파괴적 기술을 식별·육성하는 역량을 확보했다고 평가하며, 이제는 그 기술을 기존 레거시 기업에 적용해 시장을 개선하는 단계로 넘어간다고 설명. 머신러닝 칩 개발과 수십만 명을 고용한 기업의 기술 활용을 동시에 추진한다고 밝힘. [미국 정부 및 거시 관련 언급] 미국 법집행기관 협업의 '파괴적 기술 전담팀'이 적대국의 중요 기술 접근을 막기 위해 출범했다고 언급. 3,060억 달러 규모 자금의 인플레이션 대응 관련 수치, 인플레이션 감축법 7,390억 달러 세수 의존 등 수치가 자막에 언급됨. [핀테크 시장 전망] 2023년 핀테크 트렌드 10개(탈중앙화 금융, AI 금융 서비스, 디지털 지갑, 비접촉 결제)가 언급되었고, 글로벌 핀테크 시장 규모가 2020년 1,105.9억 달러에서 연 20.5% 성장해 2030년 6,995억 달러로 전망됨. [조건·리스크] 보안과 프라이버시를 개발 초기부터 강화해야 하며, 신뢰받는 플랫폼 구축이 경쟁력의 조건으로 제시됨. [출연자 전망] 특정 자산에 대한 1~3개월 가격 방향 예측은 없음.
다듬은 글
yeah so so I just think that we're in these situations where particularly in technology because so few people really understand it they want to believe in this idea of divine intervention and it's just not true and so a lot of our success at Facebook was about the the diligence of working every day again back to the the process the practice not the outcome um and so when I started this organization a lot of it was about rebuilding that kind of infrastructure and that capability to have very unemotional fact-based decision-making and so how that manifests is that whenever we invest in a company or we have an idea about starting a company we try to implement tools and systems that allow us to understand what's really happening on the ground meaning the actual Atomic level data that the business is generating while it's trying to do whatever it's trying to do social capital founder chairman palehapatia and then for sponsoring a wave of specs or special purpose acquisition companies that brought speculative tech companies to the public market is now calling the era of low interest rates a mistake prior to founding Social Capital chimeth was an early member of Facebook's senior executive team and led the development and launch of new platforms that drove the company's tremendous Global growth before going further in this video make sure to hit the Subscribe button for more recent updates it's not higher interest rates that are the problem it's the transition from stupid free incredibly ridiculous money at zero cost to something more normal Rich Handler CEO Investment Bank Jeffries said the company recently announced that the number of Facebook's daily users hit 2 billion for the first time between inflation eating into advertisers budgets and fears competition from apps such as Tick Tock those users are not bringing in as much revenue as they used to fintech companies are having to rethink how they approach their identity and access control strategy to ensure that their platforms are equally trusted by both consumers and businesses to stay competitive in this very crowded Arena fintech companies need to keep a tight rip on security and privacy from day one of development especially as third party Services continue to grow they're really two kinds of companies now in the world there are the disruptors and then they are there are the disrupted and increasingly it's really crucial to be able to understand who the disruptors are and then also the implications of what they're building so that you understand how to fix the disrupted and the reason why I think that's important is that you know too often now we go to the lowest common denominator of this like dystopian world where the robots in the cyborgs all have jobs and the rest of us are kind of you know trundling from one random task to another and it doesn't have to be that way um and so for me what I'm trying to build is an organization that invests in some of these disruptive Technologies upset allows people to be trained in those jobs that allows us to have an economically vibrant fabric but at the same time learns from those companies that would otherwise be considered part of the disrupted class and to help them frankly be more sustainable the U.S government has launched the disruptive technology Strike Force a collaboration of U.S law enforcement led by the justice and commerce Department to stop hostile States gaining access to critical U.S technology assuming the debt is financed through money Printing and ultimately inflation at 306 billion dollars is the supposed contribution to the war on inflation this sum represents less than six percent of the current U.S monetary base less than one percent of Current public debt and just a fifth of the budget deficit registered in 2022 alone the strike force announced last week will bring together experts to Target illicit actors Harden U.S supply chains and protect critical technological assets the department has also updated its regulatory tools to ensure protection against foreign investments in U.S companies for potential National Security risks is creating foreign investment in U.S companies for potential National Security risks this period of relative stability may be about to end in the last 18 months the industry has seen a sharp increase in demand a diverse and expanding set of lenders large Banks Regional Banks online retailers and fintechs are considering moves into this asset class in the mortgage Market low-cost digital attackers have been gaining significant share and Retail payments have seen the emergence of buy now pay later players a lot of financing by contrast has experienced relatively little disruption over the past decade people want very crisp clean narratives to describe really grandiose things that happen in the world whether it's winning championships or whether it's starting and building great companies and the actual facts underneath are much more complicated and nuanced there's all kinds of tension physical emotional mental that go into creating something excellent and so you know when I like I said the first 15 the first goal was be good at one thing which is to identify and incubate and nurture disruptive Technologies what I would say is actually you know I gave myself a 15-year Target and I think that in the first seven years we've come to a place where I have high confidence that we know how to do that and so now in many ways the next chapter starts and in chapter two does that mean you did it and twice the time you expected in half the time yeah I I thought it would be like a 15-year thing and I think you know by year seven I think we have a good handle on how to do that part of the business um and so in many ways now chapter two has started and in chapter two what it's about is now being able to take those Technologies and apply them constructively to change markets for the better but at the same time take all the knowledge that you learn from them and apply it to some of the Legacy businesses and see if you can't improve those as well and the reason why that's important is I think like true knowledge will come from understanding both sets of kind sets of companies meaning you know sometimes people want to be very dismissive of how things have been done and in other cases people want to be very dismissive of new ways of doing things neither are the way that you have maximal impact and success so what I mean by that is there are many things that you know when I was at Facebook that we did that were pioneering but frankly there are many things that we did that were just copies of things that were tried tested and true and so acknowledging the fact that that the the nuances of doing anything great will rely on both sets of information and knowledge and so for me now what I'm trying to do is say okay on the one hand can we build the next great chip for machine learning yes but on the other hand can we actually help a company that employs hundreds of thousands of people in the world how to leverage that technology to keep those employees fully employed that's a great Challenge and uh and I think the answer to those questions will allow us to both profit from being at the seat of creating this disruptive Technologies but frankly also making sure that they're allocated in Humane and ethical ways in 2023 there are 10 fintech trends that are particularly noteworthy including the rise of decentralized Finance the adoption of artificial intelligence and financial services and the growth of digital wallets and contactless payments as consumers increasingly Embrace these Technologies is important for businesses to stay ahead of the curve in order to remain competitive in the digital Finance Revolution the inflation reduction act will finance projects over the current decade and relies entirely on higher tax revenues to the tune of 739 billion dollars The increased accessibility efficiency and affordability of Financial Services have the potential to enhance Financial inclusion and drive economic growth the size of the global fintech market was estimated at 110.59 billion dollars in 2020 and is expected to increase at a cagr of 20.5 percent through each 699.50 billion dollars by 2030.
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