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The Future Of #Edtech And Learning In India From An AR/VR Lens SPONSOR: BetterU Education Corp. $BTRU.ca $ARCL $CPLA $BPI $FC.ca

Posted by AGORACOM-JC at 11:57 AM on Monday, January 6th, 2020
SPONSOR:  BetterU Education Corp. aims to provide access to quality education from around the world. The company plans to bridge the prevailing gap in the education and job industry and enhance the lives of its prospective learners by developing an integrated ecosystem. Click here for more information.

The Future Of Edtech And Learning In India From An AR/VR Lens

  • Educators around the globe today have realised that AR/VR are big breakthroughs when it comes to learning — for a method as well as outcomes.
  • As Ankur Aggarwal, founder of VR-based edtech startup Veative told us the enduring objective of edtech is to improve the yearning to learn and AR/VR helps implement it in a spectacular manner.

By: Meha Agarwal

In the 21st century, technology is taking over education — be it skill-building programmes in universities, real-world technical training and learning of abstract concepts in schools. The shift from conventional means to experiential methods of transacting learning has seen new-age technologies like augmented reality (AR), virtual reality (VR) and mixed reality — a combination of AR/VR — have been playing a key role in driving learning and edtech engagement.

Educators around the globe today have realised that AR/VR are big breakthroughs when it comes to learning — for a method as well as outcomes. As Ankur Aggarwal, founder of VR-based edtech startup Veative told us the enduring objective of edtech is to improve the yearning to learn and AR/VR helps implement it in a spectacular manner.

“AR/VR has great potential in democratising the educational process and making it a personalised learning experience for learners of all stripes. AR/VR is not a gimmick when deployed correctly. They allow learners to explore abstract concepts in a distraction-free environment and allow them to connect with the concept,” Aggarwal added.

And that is not a lone opinion. Vivek Goyal, cofounder of AR edtech startup Playshifu, emphasises that learning today means much more than just remembering the facts. Anumukonda Ramesh, country manager for the Indian subcontinent, Unity Technologies, one of the biggest gaming engines in the world, also ascertains that the Indian education system needs to leverage new technologies in order to stay relevant in an ever-changing world.

What Is The Difference Between AR And VR?

While both are visual technologies that rely on non-traditional interactions, AR and VR are fundamentally different. When used together, it is often referred to as mixed reality. Reliance Jio is looking to make mixed reality mainstream in India with the acquisition of deeptech startup Tesseract which has made an MR product called Holoboard.

Simply put, augmented reality or AR is a multi-sensory interactive experience that involves real-world elements in a virtual environment. It is known to offer perceptually-enriched experiences to users by using real-world elements and adding a layer of information or visual aid on top of it in a natural manner.

The most common examples of AR technology is seen in animated emojis these days on smartphones such as Apple iPhones, Samsung Galaxy series and more. In the industrial context, AR applications can help with on-the-go learning for maintenance and troubleshooting, systems maintenance work and other computer-aided learning and training.

On the other hand, virtual reality is a simulated experience that can either offer a very realistic virtual experience that mimics the real world or fantastically new visual experiences that transcend the boundaries of reality and surrealism. Currently, standard virtual reality systems either use VR headsets or multi-projected environments to generate images, sounds and other sensations. VR applications have found use in healthtech, edtech and consumer services sectors.

What Future Does AR/VR Have In Edtech?

As PlayShifu’s Goyal explains, we can broadly divide formal education into three segments — early, secondary and tertiary learning (higher education). For early learners, playing is the way to learn and AR/VR can make a significant impact as it enhances any play experience 10x. Learning about core fundamental skills like alphabets, numbers, logical reasoning can be made so much more fun and engaging with AR-enabled gameplay.

“For more advanced ages, we are already seeing a lot of hardware development being done in terms of AR glasses. These will enable grasping and practicing concepts more profoundly with the help of life-size 3D animated content that students can manipulate and observe in their learning space,” Goyal added.

Here are the primary reasons why AR/VR are believed to be the future of learning and education.

  1. Boosts Learning Retention
  2. Personalised Learning Experiences
  3. Increases Possibilities Of Experimentation
  4. Reduces Reliance On Learning By Rote
  5. Empowering Educators And Learners
  6. Encouraging Active Learning

The founders we spoke to believe that AR and VR technology can have an impact not just for young ages but also for reskilling, corporate learning, industrial applications and more.

AR/VR Boosts Learning Retention

Veative’s Aggarwal adds example of the ‘Cone of Learning’, created in 1969 by US educator Edgar Dale. Aggarwal explained that after two weeks, the human brain tends to remember just 10% of what it has read, 20% of what it hears, 30% of what it sees and up to 90% of the actions performed or simulated.

This means immersive and innovative digital tools will facilitate experiential learning in more effective ways. This will enhance the learning process and help learners connect multiple concepts, work at their own pace and according to their level of proficiency.

Related Article: Current Reality Of Augmented Reality And Virtual Reality In Indian Market

Highly Personalised Learning Experiences

This brings us to personalised learning. Interactivity is the key reason why AR/VR is so attractive for education purposes and this purpose get more value when AI is introduced with this technology. This will provide highly personalised learning experiences based on learning patterns and behaviour. The seamless integration of AR and VR in the education landscape will help to personalise learning and upskill learners.

Other entrepreneurs such as Simulanis founder Raman Talwar and Skillveri founder Sabarinath Nair also agreed with this. “We are witnessing a transgression from one-size-fits-all learning methodology to a personalised and experiential one, where learners’ learn by doing,” Talwar told us.

Increases Possibilities Of Experimentation

Unity’s Ramesh added that AR/VR provide safe sandboxes for complex learning exercises, like giving children their own virtual chemistry lab to kindle experimentation.

To cite an example, Apple’s ARKit platform is an incredible leap towards immersive learning. It helps teachers create AR experiences in which students explore 3D models of the human body. With its advanced detection feature, they can see a computer-generated, detailed simulation of the male and female anatomy. And what’s more, they can manually trigger motions between the different parts of the human body in the virtual space.

“Not only does this enable learners to visualise and design different scenarios, but it also improves their manual dexterity. Thus, it ensures a higher level of motivation and engagement,” added Next Education’s CEO and founder Beas Dev Ralhan.

Reducing Reliance On Learning By Rote

Next Education’s Ralhan further adds that the biggest advantage of using AR in the classroom environment is that it offers visually-impressive experiences. AR/VR-based immersive and experiential learning environment creates chances for focus and attention on a topic or idea, which should positively affect retention rates of the subject matter.

“An open and enthusiastic mind, in a distraction-free environment, means that there is a far greater chance to get to higher-order thinking skills, which are always more difficult to learn and to teach,” added Veative’s Aggarwal.

Empowering Educators And Learners

Educators too have a lot to benefit from leveraging AR/VR techniques for teaching, paired with the right content. Regardless of the medium, content is king, and always will be, edtech startups told us. Just like textbooks, without the right content, VR headsets will only gather dust on a shelf.

With virtual labs, social media learning, and gamification, learning can be made more engaging for learners and students. We will see AR/VR could open a wide range of simulations. Books in the future could be digital, infused with AR technology and educators can place helpful milestones in the real world for students to stumble upon for practical and hands-on learning. Subjects and digital counterparts of real-world objects will make delivery of lessons simpler. New games with AR-enabled assistants and immersive VR experiences can revolutionise the learning and coaching experience for students.

Encouraging Active Learning

The AR/VR is a uniquely personal experience and should be used as such. If providing a distraction-free environment which promoted focused concentration on a subject was the only benefit to VR, then that alone might be enough to justify using this tool.

Veative’s Aggarwal added that learners have a natural curiosity about VR. “We never have a problem getting them interested in using the VR. This very simple fact means that a young learner is coming into the device with an open and curious mind, which is the best starting point for learning to happen.

What Is The Market Opportunity For AR/VR In Edtech Space?

The education sector is forecast to spend more than $6 Bn annually on augmented and virtual reality technologies by 2023, said Simulanis’ Talwar. “Funding for the technologies remains a major hurdle to adoption, but price points for equipment are dropping rapidly, according to a new market forecast from ABI Research,” he added.

Another report, “Augmented and Virtual Reality in Education,” added that the market for augmented reality in education will hit $5.3 Bn in 2023, with the market for virtual reality head-mounted displays trailing at $640 Mn.

Further, as Playshifu’s Goyal highlighted, anything that comes at a relatively low cost is a big win for the schools. “As AR/VR hardware and experiences hit sub-$300 price point in the next five years, we anticipate a wave of mass adoption,” he said.

Ralhan also indicates towards the role AR/VR will be playing in building future workforce. The government plans on building the first augmented-reality based skill training center in IIT (Banaras Hindu University) in Varanasi. Furthermore, since AR applications can work on most modern smartphones, students do not have to spend extra money on devices.

“Such initiatives call for more active participation from AR solution providers in India such as Simulanis, Hedgehog Lab, IndiaNIC Infotech Limited, Hyperlink InfoSystem, Chetu, Plutomen, and Intellify,” added Ralhan.

AR/VR Trends, According To Edtech Startups

Classrooms in the future will not look like they do today. Founders believe that AR will see a prominent push in the next 3 to 5 years in India, and most schools will have dedicated tools. Higher education will see faster adoption for AR and VR tools, given that the technology is already present in such institutions.

India being the second-largest consumer of mobile phones (nearly 800 million) AR/VR offers students the flexibility to access educational content seamlessly across devices. It could also open an opportunity for social collaboration and spatial communication in a room-scale environment, where teachers can teach students remotely, and students can collaborate on various interactive and immersive experiences.

As the saturation point for regular school content is reached, more companies would start focussing on the vocational training using AR/VR content and simulations, in addition to the regular K-12. While these applications are at a nascent stage currently, the central government is working on promoting digital learning and improving teaching standards.

The Existing Gaps In AR/VR Adoption In Education?

Skillveri’s Nair highlighted a crucial challenge for AR/VR startups here. “These technologies have to be seen as a means to an end, instead of an end in itself. A framework is to be used to decide if a particular content or concept will be better delivered through AR/VR, instead of mindlessly applying the technology for everything,” he told Inc42.

The biggest barrier is the lack of knowledge about AR/VR across the education ecosystem. Additionally, the existing curriculum has a proven record of its efficacy, whereas AR/VR, being a new technology, still needs approval by the school management hierarchy involving teachers, and principals.

“The decision-making process should be streamlined in such a way that relevant information about new tools are collected, experimented and finally deployed to provide unprecedented learning opportunities to the students,” said Talwar.

Here are some other existing challenges in the sector, according to entrepreneurs:

Cultural Diversity: For a country as diverse as India — in terms of social, economic, linguistic, and cultural conditions—like India, making a uniform and standardised AR-enabled school curriculum is difficult. Unless private firms bring the costs down and make content more region-specific, state governments will not give adequate subsidy in the purchase and distribution of learning material, or bring AR support to schools.

Learning Capacity Variance: Despite the fact that AR is made to be self-learning with comprehensive guidelines for first-time learners, not all students have the same learning capacity or grasping potential. Therefore, adequate educator training is also very important in AR.

Financial Constraints: State-run schools far outnumber private schools in India. The majority of these schools have severe financial constraints, so public-private partnerships can help these schools to re-establish themselves to become part of the new revolution in the teaching-learning process.

Lack Of Technical Know-How: AR/VR isn’t simple or intuitive for first timers. There are regions in India where computer skills are missing among teachers and students. So VR developers should keep in mind about tech illiterate population for VR to truly shine in education circle.

Shallow or Inadequate Learning Content: While VR content developers have more recently gained prominence, most learning content is not deep enough to have an impact or borders on the cartoonish or childish. It’s hard to create the diversity of content required for all kinds of learners. And most founders believe it will take a long time to bring relevant VR content for all use-cases.

The Evolution Of Edtech Innovation

India is on the brink of an evolution in its education ecosystem. This is perhaps the most exciting and disruptive stage of this sector and innovators are ready to redesign the future of learning.

2020 is expected to be the start of a new era in online learning, with edtech creating big waves. Learning and schools will incorporate concepts of global collaboration, personalised learning, simulations, AI, real-world learning systems, mobile classrooms and immersive learning experiences.

As Ajit K. Chauhan, chairman, Amity University Online and Amity Future Academy told us with an influx of educational technologies it is very likely that the future years will see further integration of blockchain, cloud computing, AR/VR, collaborative learning and edge computing.

“Artificial intelligence is emerging as an integral part of the eLearning ecosystem. We see several AI educational solutions coming to the fore. It is predicted that AI can fill the need-gaps in learning and teaching. It is expected to broaden the purview of schools and teachers.”

Source: https://inc42.com/features/what-is-the-future-of-edtech-and-learning-in-india-from-an-ar-vr-lens/

ThreeD Capital $IDK.ca – Hundreds of Institutions Are Already Investing in Crypto: Coinbase CEO #crypto $HIVE.ca $BLOC.ca $CODE.ca

Posted by AGORACOM-JC at 10:34 AM on Monday, January 6th, 2020

SPONSOR: ThreeD Capital Inc. (IDK:CSE) Led by legendary financier, Sheldon Inwentash, ThreeD is a Canadian-based venture capital firm that only invests in best of breed small-cap companies which are both defensible and mass scalable. More than just lip service, Inwentash has financed many of Canada’s biggest small-cap exits. Click Here For More Information.

Hundreds of Institutions Are Already Investing in Crypto: Coinbase CEO

By: Joseph Young

According to the CEO of one of the biggest cryptocurrency exchanges globally, institutions are already actively investing in the emerging asset class and the trend is likely to continue throughout 2020.

Will institutions further bolster the crypto market in 2020?

Prior to 2019, institutional investors only really had Bitcoin Investment Trust (GBTC) by Grayscale and CME Group’s futures market to invest in bitcoin.

There were not many options available to high net worth individuals, funds, and investment firms to invest in the crypto market securely with insurance and custodians.10 BTC & 20,000 Free Spins for every player in mBitcasino’s Winter Cryptoland Adventure!

Starting mid-2019, a growing number of exchanges and regulated service providers have started to provide custodial solutions targeting institutions. It led to the establishment of a more efficient and stable environment for institutions to invest in cryptocurrency.

Armstrong said:

“We’ve already started to see small institutions enter the cryptocurrency space. Hundreds have joined Coinbase Custody in the past 18 months. I would expect this rapid growth to continue in 2020, with larger and larger institutions coming on board. Eventually just about every financial institution will have some sort of cryptocurrency operation, and most funds will keep a portion of their assets in cryptocurrencies, partially due to the uncorrelated returns.”

Both Bakkt and cryptocurrency exchanges offering custodial solutions are yet to see large volumes, mostly because it takes time for institutional infrastructure to become more established.

“Bakkt will be likely first a trickle and then a flood. The reality is that most regulated futures contracts get low adoption on day1 simply b/c not all futures brokers are ready to clear it, many ppl want to wait and see, the tickers are not even populated on risk systems, etc,” Three Arrows Capital CEO Su Zhu said.

Independent funds seeing more institutional inflow

Despite a noticeable decrease in deal value in the latter half of 2019, in October of last year, Anthony Pompliano of Morgan Creek Digital said that the firm’s crypto fund secured $60 million from institutional investors.

Source: https://www.newsbtc.com/2020/01/06/hundreds-of-institutions-are-already-investing-in-crypto-coinbase-ceo/

NORTHBUD $NBUD.ca – Teas and edibles and vapes, oh my! $CGC $ACB $APH $CRON.ca $HEXO.ca $OGI.ca

Posted by AGORACOM-JC at 9:21 AM on Monday, January 6th, 2020

SPONSOR: NORTHBUD (NBUD:CSE) Sustainable low cost, high quality cannabinoid production and procurement focusing on both bio-pharmaceutical development and Cannabinoid Infused Products. Learn More.

Teas and edibles and vapes, oh my!

By: Kyle Mack

The latest in cannabis products will be available for legal sale in Ontario.

The Ontario Cannabis Store (OCS) is releasing 59 new products including edibles, beverages, lotions, and concentrates in stores today but online Jan 16.

Prices of edibles range from $7.50 to $16 per item while beverages can cost between $4 to $10 and vapes falling between $25 – $125. Daniel Safayeni, Director of Policy at The Ontario Chamber of Commerce has previously released a statement on the THC limit per edible stating,

“The OCC supports a THC limit of 10-milligrams per discrete unit of edibles, as well as the sale of multi-packs or multiple products—up to a maximum of 100-milligrams of THC per package—within child-proof packaging. As we outline in the report, single-packs are costly, while multi-packs would allow licensed producers to create economies of scale. The proposed regulations, however, limit the amount of THC per package to only 10 milligrams, which is significantly lower than illegal alternatives and lower in other U.S. jurisdictions where recreational cannabis is legal”.

The THC cap may act as a barrier to shifting cannabis shoppers from making illicit purchases, where higher THC contents can be found.

For more information on edibles, visit the Ontario Cannabis Store.

Source: https://www.bttoronto.ca/2020/01/06/teas-and-edibles-and-vapes-oh-my/

NORTHBUD $NBUD.ca – Edibles, vapes and tea coming to legal Ontario cannabis shops Monday $CGC $ACB $APH $CRON.ca $HEXO.ca $OGI.ca

Posted by AGORACOM-JC at 2:38 PM on Friday, January 3rd, 2020

SPONSOR: NORTHBUD (NBUD:CSE) Sustainable low cost, high quality cannabinoid production and procurement focusing on both bio-pharmaceutical development and Cannabinoid Infused Products. Learn More.

Edibles, vapes and tea coming to legal Ontario cannabis shops Monday

  • Ontario’s cannabis distributor says dozens of new marijuana products will be available in retail shops starting Monday but supplies will be limited.
  • Unveiled 59 new items today including a variety of vapes, edibles and a tea.

TORONTO – Ontario’s cannabis distributor says dozens of new marijuana products will be available in retail shops starting Monday but supplies will be limited.

The Ontario Cannabis Store unveiled 59 new items today including a variety of vapes, edibles and a tea.

The products will be available in the province’s legal cannabis retail stores starting next week and Cannabis edibles to hit store shelves in January.

The distributor estimates that products will be in short supply until March as manufacturers ramp up production to meet demand.

The number of products will grow to 100 in the coming months as they receive regulatory approval.

The OCS says the new selection will help it combat black market sales across the province.

Source: https://globalnews.ca/news/6362213/ontario-cannabis-store-edibles-vapes-tea-retail-shops/

Tartisan #Nickel $TN.ca – Hike in nickel’s global demand seen $ROX.ca $FF.ca $EDG.ca $AGL.ca $ANZ.ca

Posted by AGORACOM-JC at 12:21 PM on Friday, January 3rd, 2020

SPONSOR: Tartisan Nickel (TN:CSE)  Kenbridge Property has a measured and indicated resource of 7.14 million tonnes at 0.62% nickel, 0.33% copper. Tartisan also has interests in Peru, including a 20 percent equity stake in Eloro Resources and 2 percent NSR in their La Victoria property. Click her for more information

Tc logo in black

Hike in nickel’s global demand seen

ROBERTO A. GUMBA JR.   January 3, 2020

THE nickel mining industry group is bracing for the possible increase in the global demand of nickel brought about by the boom of electric vehicles.

“The direction globally is really the EV (electric vehicle) industry and we have that global competitiveness because more than 50 percent of the component of the entire electric vehicle is really nickel. The batteries itself and the body need more nickel,” Philippine Nickel Industry Association (PNIA) Executive director Charmaine Capili said in a press conference, Friday.
Capili explained battery companies are currently experimenting on putting more nickel mineral in batteries for electric vehicles.

“At present, the composition of the battery that is being used is six nickel, two cobalt, and two magnesium. [By] Late 2018, they already tried to use eight nickel, one cobalt, and one magnesium because they said it has lower production cost and higher efficiency, but they still have to test the durability and further its efficiency,” she said.

She said the growing demand for nickel is also foreseen in the goal of European countries to have zero-carbon emission by 2030 by shifting to electric vehicles.

She added that the demand is not only exclusive to other countries as it has been observed in the Philippine transportation.

“Daghang mga LGUs (local government units) karon nga naga-shift na especially sa Manila e-trike, e-jeep (A lot of LGUs right now are shifting into using electric-powered tricycle and electric-powered jeepneys),” Capili said.

Apart from batteries, she said the stainless steel used for the body of electric vehicles also has nickel in it.

Although the Philippines is one of the largest producers of the mineral’s ore along with Indonesia which is leading in the industry, she admitted there are still factor preventing the country to compete globally.

She said among the challenges are the limitations of exploring other areas because of the moratorium imposed by Executive Order (EO) 79.

“May limitations po sa explorations, no new permits. Kung ano lang yung na approved [areas] for existing operations, doon lang (We are only allowed to mine on those areas approved for operations),” she said.

“We have 9 million hectares available in the Philippines for minerals that is copper, gold, nickel. But the Philippines right now is only maximizing only 2 percent out of the 9 million [hectares], and out of the 2 percent, only 1 to 1.5 percent is operating. There is a very big potential,” she said citing data from the Department of Environment and Natural Resources – Mines and Geoscience Bureau (DENR-MGB).

She shared other challenges confronting the industry is the amount of resources, the low grade of nickel, high cost of electricity to process the mineral, and the technologies of extracting ores or for processing it.

Capili bared that to address these issues, PNIA, an association of seven mining companies operating in Surigao, Palawan, and Agusan is working with the DENR and the Department of Trade and Industry to establish a Nickel Industry Roadmap.

She said the roadmap also aims to create stable policies for the nickel mining industry and other industries reliant on nickel as well as programs that promote the sustainability of nickel mining in the country.

She also hoped that the moratorium will be lifted soon for the country to be globally competitive.

“Hopefully, by middle of this year, we can already share and launch the roadmap but we are still creating the composition of the Technical Working Group because we want to get inputs from the government, business sectors, European Chamber of Commerce in the Philippines, the Electric Vehicles Association of the Philippines, other nongovernmental organizations and academe,” she said.

Source: https://www.sunstar.com.ph/article/1838455

ThreeD Capital Inc. $IDK.ca – Why 2020 will be a big year for #crypto $HIVE.ca $BLOC.ca $CODE.ca

Posted by AGORACOM-JC at 11:36 AM on Friday, January 3rd, 2020

SPONSOR: ThreeD Capital Inc. (IDK:CSE) Led by legendary financier, Sheldon Inwentash, ThreeD is a Canadian-based venture capital firm that only invests in best of breed small-cap companies which are both defensible and mass scalable. More than just lip service, Inwentash has financed many of Canada’s biggest small-cap exits. Click Here For More Information.

Why 2020 will be a big year for crypto

  • 2020 is going to be a big year for crypto. 
  • The “Crypto Winter” of 2018/2019 flushed out much (but certainly not all) of the nonsense, and the market has significantly matured over the last few years.

In 2020, I expect accelerating crypto asset adoption, and key building blocks will come into place for crypto to achieve its long-term potential of revolutionizing how value is stored and transferred around the world. 

I think my 85 theses from ~7 months ago have aged pretty well. Here, I’ll focus on the 15 most impactful developments I expect to see in 2020.   

Institutional Investing 

  • The Global Macro Investors Come In

Ray Dalio clearly laid out the global macro thesis for crypto when he said:

“So, the big question worth pondering at this time is which investments will perform well in a reflationary environment accompanied by large liabilities coming due and with significant internal conflict between capitalists and socialists, as well as external conflicts. It is also a good time to ask what will be the next-best currency or storehold of wealth to have when most reserve currency central bankers want to devalue their currencies in a fiat currency system.”

Ray’s conclusion was to buy gold. In 2020, I believe large global macro hedge fund investors (potentially even Ray) will publicly take the position that bitcoin is a logical asset to hold if you believe this narrative.

  • Traditional Asset Managers Continue to Trickle In

I am very encouraged by the State Street survey indicating 94% of their clients hold digital assets or related products, and a survey of endowment funds in which 94% of them stated that they invested in crypto assets over the last year.

I expect these types of traditional asset managers to continue to show strong interest in crypto in 2020, but do not expect massive inflows from this segment. 

The primary reason for this is that portfolio manager incentives are not conducive to encouraging large crypto allocations.  Currently, crypto is still a non-consensus investment. If a portfolio manager gets behind investing in crypto, and it does well, they probably get a nice bonus (but not the types of payouts available to those investing their own money or 2/20 hedge funds); however, if it does poorly (or they lose money in an operational issue like an exchange hack), they get fired for losing client funds in “magical internet money.”

The portfolio manager who sticks with the consensus position of not taking a meaningful bet on crypto keeps their cushy job. Eventually, I believe the consensus will shift to the position that crypto has a role to play in a diversified portfolio, but not this year.  

Retail Investing 

  • Bitcoin Derivatives Trading Grows, Altcoin Trading Shrinks

For active retail traders looking for quick gains, long-tail altcoin trading was once the place to find the volatility and potential they sought.

Now, with altcoins down 90%+ from highs, active traders are increasingly moving to leveraged bitcoin derivatives trading, which offers the volatility they seek, in an asset that is not on its way to zero. 

I expect volumes on U.S. regulated crypto derivatives exchanges (e.g., CME, Bakkt) to grow strongly, but the center of activity this space will continue to come from exchanges that cater to non-U.S. retail traders (BitMEX and the like).

  • Stats Get Stacked (and Earn Interest)

While derivatives are great for active traders, the more important developments for those accumulating crypto are those that enable them to easily grow their holdings.

In 2020, this will happen in two ways: 1) The ability to earn crypto for retail activity will accelerate as more ecommerce and payment companies integrate this into their offerings, and 2) Crypto holdings will increasingly migrate to places where they earn interest, such as BlockFi, Celsius, and Voyager. 

  • Automated Tax-Loss Harvesting Becomes Available

Crypto taxes are a disaster not only due to the horrendous reporting from many exchanges but also because investors are missing out on the ability to significantly reduce their taxes via automated tax-loss harvesting.

Personal Capital and robo-advisors made tax-loss harvesting mainstream for traditional assets, and in 2020, this will finally come to crypto (along with better tax reporting).  

Market Structure

  • Fewer Exchanges, More Brokerages

The number of crypto exchanges exploded over the last few years. In 2020, I expect this to rationalize. Exchanges are inherently network effect businesses (liquidity begets liquidity), and smaller players will fall behind, and either be acquired, fold, or pivot their business models.

I expect those that excel at acquiring and servicing customers will become brokerages and source their liquidity from other exchanges or large liquidity providers.  

  • Use of Third-Party Custodians Increases

Exchanges and brokerages will increasingly use third-party custodians as they focus on their core competencies. This will make the market safer (as assets are custodied with best-in-class providers) and will eventually increase capital efficiency, as assets held at major custodians will provide buying power across multiple exchanges.  

The emergence of instant crypto settlement solutions (think Silvergate Exchange Network for crypto) from large crypto custodians will also be a major development in 2020, and further increase the utility of market participants holding their assets with these custodians.

  • Crypto Friendly Banks Scale 

Obtaining fiat banking accounts and payment services has been, and will continue to be, one of the biggest issues for crypto companies. Around the world, large risk adverse banks will continue to shy away from banking the crypto industry, providing an opening for new entrants and smaller players to fill the gap as technology-driven intermediaries, or full-stack de novo banks. In 2020, I expect some new entrants to run into significant issues with regulators, while those that are able to navigate regulatory pressures will scale impressively.    

  • Lending Market Grows

The crypto lending/borrowing market flourished in 2019, let by companies such as Genesis, BlockFi, and Celsius.

I expect volumes will continue to significantly expand in 2020 across several vectors: 1) Traders borrowing crypto to short and overcome capital inefficiencies, 2) Investors borrowing dollars using their crypto as collateral (much more tax efficient then selling), and 3) Crypto companies becoming de facto banks by taking stablecoin deposits and making stablecoin loans. 

  • Counterparty Risk Flares Up

The counterparty risks from holding assets with exchanges (e.g., hacks) and payment processors (e.g., Bitfinex / Crypto Capital debacle) have been the most notable to date.

This year, counterparty risk from defaults by uncollateralized crypto borrowers and from direct counterparties failing to deliver on trades (i.e., Herstatt Risk) could also come to light if we see significant downside volatility. 

These are likely to be smaller flare-ups vs. systematic blow-ups and will help the market mature as market participants become more discerning in selecting counterparties and using solutions to minimize these risks. 

Stablecoins

  • USD Stablecoin Market Cap and Volumes Accelerate

Tether’s remarkable resilience has demonstrated insatiable demand by market participants not directly served by U.S. banks to have USD denominated accounts to settle trades and store value. Despite significant regulatory uncertainty, I expect Tether’s market cap to continue to continue to grow in 2020. 

The regulated fiat-backed USD stablecoin market (USDC, TUSD, PAX) will experience huge growth rates (off a relatively small base) as they become the money transfer rail for use cases the need a solution that 1) is regulated and 2) runs on a open network (anyone with a crypto wallet can send/receive).

This will be a compelling position that sits between the Silvergate Exchange Network (regulated + closed network) and Tether (unregulated + open network).

  • International Stablecoins Grow

I expect stablecoins for many other major currencies will also start to gain traction as a regulated, open money movement rail for those currencies. 

Longer term, things get really interesting as liquid markets develop between stablecoins of various currencies and provide a 24/7, global, highly efficient FX market that is accessible to everyone (and sidesteps the correspondent banking system). Eventually, I expect the market cap of stablecoins will surpass that of bitcoin. 

  • Central Bank Digital Currencies (CBDCs) Remain Mostly Conceptual

Most contemplated CBDCs are significantly different than stablecoins such as USDC. With CBDCs, the recordkeeping of the value owned by individuals and businesses is centralized with a central bank. There are only a few situations where a central bank / government is likely to take over this recordkeeping function (e.g., China).

I do not expect any major CBDCs to be launched in 2020 (other than small scale PoCs) but do expect significant developments in 2021 and beyond. 

Emerging Markets Usage

  • Emerging Market Adoption Continues to Grow

The adoption of crypto assets in markets with hyperinflation has grown significantly and will continue to do so. The interesting question will be if bitcoin or stablecoins emerge as the primary winner in these regions.

My heart hopes that it’s bitcoin, but my head says it will be stablecoins. 

DeFi

  • Impressive Innovation, Little Adoption

The most innovative developments in crypto continue to be in DeFi (decentralized lending, derivatives, exchange, prediction markets, etc.), but 2020 breakout growth in this area is highly unlikely.

Currently, these solutions simply do not solve problems better than centralized options, and each of the smart contract platforms have issues that will complicate adoption (with ETH it is the complexity of their development roadmap).

Bullish on DeFi long-term, but not this year.

Source: https://www.theblockcrypto.com/post/51876/why-2020-will-be-a-big-year-for-crypto

Empower Clinics $CBDT.ca – Expert Offers Predictions For The Hemp-Derived #CBD Market in 2020 $WEED.ca $CGC $ACB $APH $CRON.ca $HEXO.ca $OGI.ca

Posted by AGORACOM-JC at 4:41 PM on Tuesday, December 31st, 2019

SPONSOR:

Why Empower Clinics

  • A leading owner/operator of physician staffed health and pain management clinics.
  • Patient database of over 165,000 patients 
  • Platform generating $1.4M USD (9 months ending Sept. 30, 2019)
  • Proprietary technology platforms including Electronic Health Records portal and e-Commerce for CBD product distribution
  • Recently launched CBD extraction facility
  • First extraction system capacity = 6,000 Kg per year.
  • CBD based products are poised to be a $20B global industry by 2022
  • Medical cannabis is poised to be a $100B global industry by 2025

Expert Offers Predictions For The Hemp-Derived CBD Market in 2020

By: Iris Dorbian

It was exactly a year ago that the Farm Bill legalized CBD and hemp, the latter a cousin to cannabis as it comes from the same plant. Of course, there were specified guidelines, such as hemp can be sold as long as the maximum THC (the psychoactive compound in cannabis that gives users their high) count is .3 percent; anything that contains more will be federally classified as illegal marijuana.

The legalization has spawned a booming cottage industry. But just like with the federally illegal cannabis market, problems proliferate for CBD and hemp entrepreneurs. For one thing, many vendors, retailers, advertisers, manufacturers and banks are still not fully apprised that hemp, for instance, is legal. Because of this misunderstanding, these prospective partners balk at working with hemp entrepreneurs, thinking they’ll be subject to the same penalties they would working with cannabis businesses.

CBD has not been immune to these setbacks, either. Despite its legality, the FDA has clamped down on businesses that sell CBD as food additives or label it as a dietary supplement. According to the food watchdog, CBD’s safety for use in human or animal food is inconclusive, requiring more data until proven otherwise.

In a press release, Patrick McCarthy, CEO and co-founder of ValidCare, a provider of market intelligence and research for the hemp-derived product industry, offered a few intriguing predictions for the space in 2020. Do you agree? Please let me know.

Safety Product Assurance

“Today’s consumer cares about where the products they put in, and on, their bodies come from. From big breweries to boutique ice creams, mainstream brands showcase their farmers in their advertising and market organic, cruelty-free and hyper-local manufacturing practices on their packaging to assure consumers their products are natural, safe and worth a premium price. This trend will hit the hemp industry next, as consumers demand information on plant origin, farming practices, product composition and sustainability.”

Baby Boomer Consumption Escalates

“The AARP crowd is one of the largest demographics using hemp-derived CBD for chronic joint pain and sleep. Expect this trend to increase as Boomers seek to replace prescription and OTC pharmaceuticals with hemp-derived products — and to lobby for coverage and/or reimbursement through FSAs, HSAs and supplemental MediCare policies.”

Hemp As Mental Health Aid

“Today, one in five Americans report they use hemp-derived CBD for ‘mental health reasons’ such as anxiety. In 2020, we’ll see even more people ditch Prozac prescriptions for non-impairing hemp-derived CBD to support their mental health goals. Expect brands targeting this audience to commission research on hemp-derived CBD’s functional benefits for mental health.”

Paving The Way For Minor Supplements

“CBD was this decade’s craze, but as the market for cannabidiol becomes oversaturated, product companies will introduce other interesting minor cannabinoids like CBN and CBG, already touted as having functional benefits tied to sleep and appetite. Expect the FDA to voice concerns about these ‘cannabis derived compounds’ and mirror its communication to industry and the public about the need for these products to be properly vetted for safety and use – and for product companies to market them nonetheless.”

Invasion of the Great White North

“Last year we witnessed a number of marijuana companies diversifying products and risks by introducing hemp-based wellness lines. In 2020, expect our Northern neighbors to take advantage of the depressed financial market and invest or buy U.S.-based hemp companies as a way to enter the U.S. market.”

Have a very happy and healthy New Year!

Source: https://www.forbes.com/sites/irisdorbian/2019/12/27/expert-offers-predictions-for-the-hemp-derived-cbd-market-in-2020/#447564bb1391

Tartisan #Nickel $TN.ca – The battery decade: How energy storage could revolutionize industries in the next 10 years $ROX.ca $FF.ca $EDG.ca $AGL.ca $ANZ.ca

Posted by AGORACOM-JC at 11:35 AM on Tuesday, December 31st, 2019

SPONSOR: Tartisan Nickel (TN:CSE)  Kenbridge Property has a measured and indicated resource of 7.14 million tonnes at 0.62% nickel, 0.33% copper. Tartisan also has interests in Peru, including a 20 percent equity stake in Eloro Resources and 2 percent NSR in their La Victoria property. Click her for more information

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The battery decade: How energy storage could revolutionize industries in the next 10 years

By: Pippa Stevens

  • Over the last decade a surge in lithium-ion battery production has led to an 85% decline in prices, making electric vehicles and energy storage commercially viable for the first time in history.
  • Batteries hold the key to transitioning away from fossil fuel dependence, and are set to play a greater role in the coming decade.
  • UBS estimates that over the next ten years the energy storage market in the United States could grow to as much as $426 billion, and there are many ways to buy into the surge, including chemical companies, battery cell makers, car companies, solar companies and utility companies.
  • “Capturing the massive economic opportunity underlying the shift to controls and battery-based energy systems requires that planners, policymakers, regulators, and investors take an ecosystem approach to developing these markets,” sustainability-focused research firm Rocky Mountain Institute said recently.

What a difference a decade can make. In 2010, batteries powered our phones and computers. By the end of the decade, they are starting to power our cars and houses too.

Over the last ten years, a surge in lithium-ion battery production drove down prices to the point that — for the first time in history — electric vehicles became commercially viable from the standpoint of both cost and performance. The next step, and what will define the next decade, is utility-scale storage.

As the immediacy of the climate crisis becomes ever more apparent, batteries hold the key to transitioning to a renewable-fueled world. Solar and wind are playing a greater role in power generation, but without effective energy storage techniques, natural gas and coal are needed for times when the sun isn’t shining or the wind isn’t howling. And so large scale storage is instrumental if society is to shift away from a world dependent on fossil-fuel.

watch now VIDEO08:13 The battery industry is exploding — here’s how it’s changing our world

UBS estimates that over the next decade energy storage costs will fall between 66% and 80%, and that the market will grow to as much as $426 billion worldwide. Along the way entire ecosystems will grow and develop to support a new age of battery-powered electricity, and the effects will be felt throughout society.

Changing electrical grid

If electric vehicles grow faster than expected, peak oil demand could be reached sooner than expected, for instance, while more green-generated power will alter the makeup of the electricity grid.

In a recent note to clients, Cowen analysts said that the grid will “see more changes over the next ten years than it has in the prior 100.”

The growing energy storage market offers no shortage of investing opportunities, especially as government subsidies and regulations assist the move towards clean energy. But like other highly competitive markets — such as the semiconductor space in the 1990s — the battery space hasn’t always provided the best return for investors. A number of battery companies have gone bankrupt, underlining the fact that a society-altering product might not reward shareholders.

“Eventually this will come down to some industry leaders who make some money,” JMP Securities’ Joe Osha said. “I think all these companies are going to do a good job of delivering declining prices for [electric vehicle] manufacturers over the course of the next 5-10 years. I am not so sure that they are going to generate great stockholder returns in the process.”

That said, while it might be tricky to invest in pure-play battery companies, there are opportunities to target companies that stand to benefit from the shift to a low-carbon world. For example, Sunrun is the largest residential solar company in the United States, while NextEra Energy is one of the country’s largest renewable power companies and is currently building out its utility-scale storage.

As scientists alter the chemical makeup of batteries and companies make bets on what could be the next breakthrough technology, Dan Goldman, founder at clean tech-focused venture capital firm Clean Energy Ventures, said that areas like innovative battery management systems are a good bet for investors since they can work with any battery technology.

“Capturing the massive economic opportunity underlying the shift to controls and battery-based energy systems” requires that not only planners, policymakers and regulators but investors “take an ecosystem approach to developing these markets,” researchers from Rocky Mountain Institute wrote in Breakthrough Batteries: Powering the Era of Clean Electrification.

Batteries: the new star of science

Battery technology in its simplest form dates back more than two centuries. The word itself is an umbrella term since batteries come in all shapes and sizes: lead-acid, nickel-iron, nickel-cadmium, nickel-metal hydride, etc.

Lithium-ion batteries — which itself can be a catchall term — were first developed in the 1970s, and first commercialized by Sony in 1991 for the company’s handheld video recorder. They’re now found in everything from iPhones to medical devices to planes to the international space station.

Read full article here: https://www.cnbc.com/2019/12/30/battery-developments-in-the-last-decade-created-a-seismic-shift-that-will-play-out-in-the-next-10-years.html

The Major #Edtech Trends In 2020, According To VCs In #India SPONSOR: BetterU Education Corp. $BTRU.ca $ARCL $CPLA $BPI $FC.ca

Posted by AGORACOM-JC at 10:56 AM on Tuesday, December 31st, 2019
SPONSOR:  BetterU Education Corp. aims to provide access to quality education from around the world. The company plans to bridge the prevailing gap in the education and job industry and enhance the lives of its prospective learners by developing an integrated ecosystem. Click here for more information.

The Major Edtech Trends In 2020, According To VCs In India

  • Indians spend tens of billions on education every year
  • With disposable incomes continuing to rise, there is a massive prize for the startups that achieve success in this space
  • According to Anirudh Damani, managing partner, Artha Venture Fund, the key to success for an edtech startup will be to sell directly, thereby keeping a short feedback loop

By: Meha Agarwal

India, being one of the youngest countries in the world and boasting a rapidly-growing startup ecosystem, offers a widely untapped opportunity for many sectors, both locally and globally. Venture capitalists have gravitated to the Indian market in great numbers in the past decade to pour capital into this opportunity, pushing startups towards scalability in every sector. Edtech is no different, and in recent years, this sector has become one of the biggest opportunities for tech startups in the Indian context.

As Unitus Ventures’ senior associate Sunitha Viswanathan told Inc42, the large market of close to 250 Mn students in the K-12 segment and over 10 Mn youth graduating every year mean that India is the land of massive potential for edtech disruption.

“Given the huge lopsided teacher: student ratio, this can only be solved by using tech. Hence, there is a necessity more than a choice. And rightly so,” she added.

While we spoke to edtech startups about the trends they expect to observe in 2020, we also wanted to take the VC view and what they expect from the ecosystem in the new year. What will be the factors that make or break edtech startups in 2020.

Factors For Success In Edtech

Indians spend tens of billions on education every year. With disposable incomes continuing to rise, there is a massive prize for the startups that achieve success in this space.  According to Anirudh Damani, managing partner, Artha Venture Fund, the key to success for an edtech startup will be to sell directly, thereby keeping a short feedback loop.

“That will allow them to innovate faster, adapt, and cater to their end-user requirements quicker.  Therefore, in my opinion, selling directly to end-users is the key to creating success in the edtech space,” he added.

Sajith Pai, director, Blume Ventures further said that the increased focus on regional language learning and data analytics will play an important role in the success of edtech startups in 2020, just like it did in 2019.

Related Article: Gaja Capital Bets $25 Mn On Edtech Company Educational Initiatives

Edtech’s Focus On Increasing User Adoption In 2020

Omkar Kulkarni, the head of GMC Calibrator (Gray Matters Capital’s Digital Accelerator Program, suggests four areas that edtech startups in India need to focus on in the near future:

  • Gain engagement by learning insights through user behaviour analytics
  • Highlighting common user patterns to improve product and monetisation at early stage
  • Cut reliance on digital marketing to reach out to users
  • Deliver content through a human-centric design process to increase engagement

Blume’s Pai further added that products that teach with a mix of technology and human intervention will be able to generate faster adoption while keeping costs low and scalability high.

“Also, college admissions and employability are becoming highly competitive and thus big stress points for parents and students. Thus, education platforms that can create FOMO among students (or parents) – either by having a large number of students on board or by having the best students onboard, attract more customer adoption faster,” Pai told Inc42.

Pranjal Kumar, CFO and head of Education Fund at Bertelsmann, believes that being outcome focussed i.e. credentials, test results, job placements etc will deliver a higher chance of success for edtech startups. “High-quality product with high average-order-value and the right balance of online and offline, depending on the target learner and segment of education should be the focus in the near future for edtech startups.”

7 Trends For Indian VCs In Edtech In 2020

Indian edtech startups are currently focussing on all fronts — B2B, B2C, B2B-B2C and C2C. The most prominent sub-sectors have been test preparation, online certification, skill development, online discovery, STEAM kits, and enterprise solution among others.

According to Datalabs by Inc42, in terms of the number of unique edtech businesses funded between January 2014 and September 2019, skill development-focused startups have been the most preferred. However, capital inflows into the test preparation and online certification segments are comparatively higher. Together, these two sub-sectors make up for 91% of the total funding in edtech startups. This shows an imbalance in terms of business models in the Indian edtech ecosystem.

However, according to Bertelsmann’s Kumar, a few more models are expected to see a lot of innovation in the near future. He said bootcamps with or without job assurance, higher education, online programme management models, K-12 tutoring will be huge markets and are currently starved of quality teaching both in curricular as well as co-curricular subject.

Here’s what VCs told us to expect in 2020.

Skilling Startups

The pace of change in technology continues to accelerate. Therefore, education is no longer just the standard 12+4+2 experience.  There’s a need for continuous education that will re-skill or up-skill the workers of today for the challenges of tomorrow. Startups that provide platforms to teach, train, and engage the working population to improve their skills will do very well.

AI Transformation

AI in edtech can help understand better how learning actually happens. If we can understand how one learns the steps in quadratic equations, then this can be used in classrooms by teachers to deliver it more effectively. This will help define pedagogy more tightly

OTT Educators

Even though we hear a lot of buzzwords like artificial intelligence, virtual reality and blockchain, it is the exponential increase in viewership of the likes of TikTok, YouTube and other OTT platforms that will see a trend of content creators delivering educational content on OTT platforms to improve discoverability, reach and scale.

Parents To Invest More

Another challenge for edtech platforms is the cost aspect for families. As far as high school education is concerned, VCs see parents getting more accustomed to spending on tech products for cognitive learning as well as a change in focus of parents from traditional curriculum to 21st-century skills.

Unbundling Of Education

Don’t hope for an edtech superapp. Venture capitalists see startups providing customers (students and teachers) specific standalone services (test prep, counselling, professional and vocational training among others) rather than a combined / bundled product which does it all.

Vernacular Learning

Just over 10% of India’s population can speak English. To build large businesses that can capture greater value, incorporating vernacular learning is key. As seen in the OTT, media and entertainment space, regional language learning will be one of the biggest trends in 2020, according to the VCs that Inc42 spoke to.

Learning for ‘Yearning’

Learning programmes that cater to non-professional interests, or those that work with passion projects and hobbies will see an uptick according to investors. These may or may not lead to employment-related outcomes, but will be about holistic individual skill development, which will be critical for the edtech ecosystem as well as startups at large.

Source: https://inc42.com/features/the-major-edtech-trends-in-2020-according-to-vcs-in-india/

CLIENT FEATURE: The Tartisan Nickel $TN.ca Kenbridge Property Hosts M&I Resource of 7.14 Million Tonnes of 0.62% Nickel + 0.33% Copper $ROX.ca $FF.ca $EDG.ca $AGL.ca $ANZ.ca

Posted by AGORACOM-JC at 5:29 PM on Monday, December 30th, 2019
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Investment Highlights

  • Kenbridge property has a measured and indicated resource of 7.14 million tonnes at 0.62% nickel, 0.33% copper
  • 17.5 (21.8 fully diluted) percent equity stake in Eloro Resources and 2 percent NSR in their La Victoria property

Kenbridge Ni Project (ON, Canada)

  • Advanced  stage  deposit  remains open  in  three  directions,  is  equipped with a 623m  deep  shaft  and  has  never  been  mined
  • Preliminary  Economic Assessment completed and updated returned robust project 
    economics and operating costs including  a  NPV  of  C$253M  and  cash costs of US$3.47/lb of nickel net of  copper credits
  • Plans for Kenbridge include updating PEA, advancing the project through to feasibility and exploring the open mineralization at depth

Click Here to View Kenbridge 43-101 Technical Report

FULL DISCLOSURE: Tartisan Nickel Corp. is an advertising client of AGORA Internet Relations Corp.