Dr. Estelle Brack, dGen Fellow in France, lends her insight on finance, startups, and what she is looking forward to.
Dr. Estelle Brack, Founder & Chairman of KiraliT, is at the forefront of digitisation in the financial sector. She recently joined dGen as the Fellow of France. In this capacity, she will serve as an expert advisor on our research, and help us develop the most interesting areas of research.
We reached out to get a few more insights into what she’s working on, the areas she is most focused on, and what she is looking forward to in finance and the startup ecosystems here in Europe.
Hello! I am an economist and a banker, passionate about financial inclusion, innovation, and education, working in the field for 20 years. I am trying to connect people to develop new solutions responding to concrete needs all around the world.
I first intended to be a professor at university, but life drove me to the banking sector instead - dealing with projects in payments and international relations. Last year, I decided to drive my own business, to better choose the projects and people I work with, and to embrace the whole world.
'Digital currencies are an emerging topic I am passionate about, as it mixes fundamentals of money theory, technology, and usage issues'.
I am enthusiastic about having the chance to witness the beginning of this.
KiraliT helps companies have a broader view of the ecosystem they are working in and build accurate business development perspectives for scaling up. We are an advisory firm, providing consulting strategy, economic research, and training for banking and financial services.
KiraliT brings together global views on highly innovative projects, like digital currencies, with a strong emphasis on deeply ethical projects for greater financial inclusion and education.
Europe is passionate about tech, and there are so many initiatives to support and promote startups! I remember my first study twenty years ago (for the Japanese MITI) about venture capital in Europe, there was nothing! The landscape is totally different now.
Weakness could emerge from a rationalization someday: many investments in many startups, not all will succeed and be profitable….
I wish the ecosystem will continue to grow and be a great place for startups and entrepreneurs to develop their ideas. Funding remains key, as well as good ideas to be transformed into successful startups.
Investors, regulators and supervisors also remain key for promoting this ecosystem, and in particular to build European competitors to US and Chinese GAFAM/BATX/NATU - the tech giants, all based in the US or China. In particular, I see especially Cloud infrastructure and data protection to remain key for sovereignty in Europe.
'We should be able to give young European experts the opportunities to stay in Europe, instead of going to the US and promoting the Google model for example'.
I discovered dGen through your studies and reports and really appreciated their academic quality - smart. I am looking to be challenged and useful as a contributor. To learn and give back.
The world has definitely changed - thanks to the web and since the last financial crisis - from a vertical structure to a decentralized horizontal one.
'I expect dGen to challenge my ideas and brainstorm with people from other horizons, but who are passionate like me!'