260SmithWatt 70Neumann 50F.Abed , AI20s.com Fei-Fei Li, Zbee

HumansAI.com NormanMacrae.net AIGames.solar EconomistDiary.com Abedmooc.com

cashless banking mooc - www version 1 -emergent since december 2012 as part of 170th birhday celebrations of The Economist

more at worldclassbrands and economistbbc

note to young professionals inspired byjim kim and amy:

if you only ever study one metric system know the rules of the war beteen goodwill and badwill network partnerships -they will determine whether under30s work to unite sustainability goals, or not

most movements that chnage the world invilve at least 10 partners coming together- goodwill spital postively the longer you are loyal to them - pictire that with an uprward exponential - badwill spiral negatively - they trap most people who are loyal to them intolosing freedom and happinnes while a few big brothers 9eg heads of bad banks) take all

laws of partershops value multipliers:

goodwill issustained only if all 10 are all goodwill individualy and how they flow across each other - nb one badwill partner will definytely destro bthe whole; even goodwill ssytems have problems uniting tgheir borsrs - son it doesnt eman that just because you are linking in 10 goodwill parters that the whole will be sustaoinable

biggest youth case- muhammad yunius lost 32 billion dolars of youth empowrerment by not being advised well on these sorts of metrics - the result circa 2010 the whole of his gratest innovationpartenrs were taken over by the governkent who threw out the poorest vilage women owners at the same time

if you decide to develop on a MOOC on a related topic, lets see if we can partner - preparation of this MOOC is one of several processes in the convergent call for the world's first microeducationsummit

Norman Macrae Foundation www.NMfound.net 5801 Nicholson Lane   Suite 404    N.Bethesda     MD 20852Tel 301 881 1655    email chris.macrae@yahoo.co.uk

www.microeducationsummit.com & www.considerbangladesh.com NMfound education and journalism projects since 2008;  www.worldclassbrands.tv a NM found leadership valuation project since 1988 ...


cashless banking mooc - www version 1 -emergent since december 2012

1.0 HOW TO prepare for last chance of banking purpose fit for sustaining society all over the world -getting cashless banking right

read The Economist's Unacknowledged Giant's last article (2008) - on how richer nations'  big banks failed to identify the internet's most affordable innocvations of cashless banking - read stiglitz article 2012 on turning back from the USA error of society serving bankers needs to bankers serving society's needs; read 1972 survey in The Economist - next 40 years : what would need to be locally integrated into coming globalsiation if worldwide financial system not to collapse in 2010s


Why Cashless Banking and Where has it emerged so far?

Brainstorm possible Suggestions on how to make local banking 10 times more affordable now that electronic records replace manual bookeeping and most social customers of banking have online access either through affordable mobile, tablet or laptop


so far cashless bankiing has provide extraordinary value to people where very specific contexts have been locally most valuable

eg  case 1in kenya since 2007? - mpesa's breakthrougth app was for citizens remitting money to rural areas- befrore cashless banking they had to search out someone trusytworthy to carry the cash by making several hundred mile journey from typically nairobi to poor rural family members hunderds of miles away - with mpesa cashless banking refers to all but the last mile- now the citizen relative buys mobile credit, this is transmitted by mobile phone to the rural relative, who finds an authorised merchant who translates mobile creidt oints back into cash- cashless bankings savings in such a process include no need for "the banker" to be handling any cash (the local merchant who already runs a cashshop does this); no need for the relative to have to ay for the physical transport of the cash



1.1 Affordable first apps depend on local, local and local

Affordable access depends on place - cases

Most affordable first use of cashless banking depends on most costly social needs of old banking -cases

1.2 - as you consider emerging cases :  a most interesting question raised by cashless banking process is who should be alowed to start the cash points chain - a bank, a mobile telecom, another type of organisation

-prepare for debate on who starts a currency's credit chain by discussing conclusion from The Hobart Century by Norman Macrae - of the 100 economic problems and potential sollutions offered by the first 100 Hobarts, I find the most convincing to be the most radical - Hobart #70 by Nobel Laureate Professor F A Hayek: The Denationalisation of Money



1.3 which nation's governements will regulate the peoples affodable banking and which wilol be lobbied by big banking PR agents

-case network of 100 nations regulators - see issue 4 of 2011 innovations journal publshed by MIT


case banks with values

Global Alliance – For Banking on Values

Independent banks delivering sustainable development for unserved people

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Have you heard of?... Economists whose purpose is to help societies design financial services (purpose of banking) to mediate the goals of ending hunger and ending capital abuse of youth through a generation of revolutionary growth potential


The Economist 1.0

Yes - such a group reasoning was what The Economist was started 170 years ago to help society navigate through Industrial Revolution by asking what purpose of each emerging  industrial market multiplies better futures for those who spend lifetime as producers of that market as well as those who make demands from that market



The Economist's Centenary Biography in 1943 evaluating its first century of successes and failures -eg an early success was to sack the majority of MPs who had become agents of vested interests including profiting from hunger and getting Queen Victoria to envision her role as changing from head of slavemaking empire to goodwill pursuit of commonwealth


X's Context of Value Exchange -one of the few books ever written by a top flight economist on how to teach economics is that of Kenjneth Boulding - an eyeopening framework to explore is introduced by these words : The historical importance of capilalism is precisely a society where value exchange has beome a more important source of power than threat (for more see moduke coming soon on why mathematicians side with economists who use maps to design win-win-win exponentials not spreadsheets governed so that one most powerful side of value exchnage  can extract more and nore from every other every passing quarter). Exercise- what calculation would you givern by if you wished to rules with the elast sustainable metrics ever devised?


Exercise - find out at least one thing that the founder James Wilson of The Economist did in each of his last 18 years of life from 1843 to 1860 -share what interested you most each year with a peer group who live around you and a virtual group.



The Economist 2.1

And  - what The Economist launched as Entrepreneurial Revolution (ER) dialogues in 1972 to help worldwide societies navigate post industrial revolution


ER Recommendation 1 : don't let any person run a bank - let alone any politician regulate all your country's banks - unless they can pass an IQ test of Entrepreneurial Revolution's Major Exponential Opportunities and Risks


After the first 10 years of ER dialogues, a primary question emerge for mapping how the first net generation could be worldwide youth's most productive time - what are the 2 dynamics that have empowered our whole human race to exponentially advance simultaneously


1 Access to Cleaner Energy

2 Participation in knowledge networking where knowledge is defined as that which multiplies value in use unlike things that get consumed up


IF we can celebrate education that iteratively (better still recursively) helps youth explore these 2 dynamics everyone gets an opportunity to cross-culturally integrate why the net generation can personally productive and communally sustainable time ours species and nature have ever interacted.


Exercise - define iteratively and recursively? Which definition has been proved by mathematicians to describe a capability that humans have which computers don't?


IN ORDER for youth, teachers and governments to win-win-win in new job-creating education, The Economist suggested debating the most exciting new millennium goal that elders could invest in inviting youth of the net generation to co-produce. The most value multiplying goal was identified to be to end poverty in the sense of ending the world of the 20th century in which one out of 3 communities that babies were born into provided next to no chance to a health and wholly productive life



What ER processes of education can we identify so that elders help yout co-produce the most exciting goals ever adopted by our species

-student entrepreneur competitions?


Free education for those whose peer networks are motivated by what purposes other than profit-taking

we will occasionally interrupt the building of MOOC cashless banking with some other correspondence between massive collaborators of 2013 year of MOOC

interrupt flow 1 - refer also to collaboration research of youth's 10000 greatest job creatorswith education

thanks for your phone all which prompted me to write this summary of what I feel we all need to explore!!

1 with hindsight it was a great tragedy that 15 years of number 1 millennium goal actionnetworking was convened as microcreditsummit instead of credit*education*open technology. While the grassroots networks that inspired the origin of the summit (BRAC  Grameen in Bangladesh) were always about empowering youth's convergence of open tech, education and investment, microcreditsummit implied you had to be interested in banking and over the years it sponsorship got hijacked by big banks and top-down government aid.

2 MOOCs which have emerged from open course ware of MIT but are now being massively and openly marketed by a new start up team at www.coursera.com are the only open education channel that can scale out of rich hemispheres. They are going to be a massive battleground in 2013 because they potentially burst the bubble of big non-job creating universities. MIT if you are rich enough to go there remains the number 1 open tech alumni network with eg berners lee and $100laptop linking out of there

3 However below the radar of the tertiary war over freeing education the idea of searching missing curriculum and letting millions of youth be free by same missing curriculum also applies to primary and secondary. Offline aflatoun has already demonstrated this with financial literacy that emerge for orphans at primary schools in india now being a curriculum used in parts of 90 countries

4 through over 25 years of searching we have found relationships at founder level at least 5 brilliant content changers of education that is bottom-up and designed round all children maximising their opportunities not just academic toffs :


lucknow which continues gandhi/montesorri 

new zealand www.thelearningweb.net which has also inspired 10 million chinese parents and began because a new zealnder read our 1984 book on net gen -see eg attached paper

south africa free university that partners google africa,mandela, branson

aflatoun both where it is globally coordinated in netherlands and through brac which is its largest scaler

5a i sincerely trust that middle east oscars of education like WISE qatar would not disagree with 5 i have mentioned even as they know others- again sir fazle abed of brac is most connected person being the first WISE world prize winner

BUT many of these foudners are elderly and only brac owns the infrastructure as well as the content -that is why we are spending next 3 months trying to find every way that brac becomes the leader in demanding microeducationsummit - equally brac hasnt studied moocs much yet

incidentally the head of the whole public university system in georgia was first in USA to make his state an open youth competition zone so if you are advancing relationshisp with georgia tech you might want to see if bhuiyan could get him to join in

regarding next 3 months  how we can maximise all who could join in - for me involving the japanese as ultimately investors is essential as The Emperor wants net generation to be economical and brilliant at co-producing millennium goals - that is where The Economist and Japan leadership ultimately converge on sharing the same maps with worldwide youth. Also together our contacts at japan and brac can search through mit and linkin all the best relationships as they already know enough of the key open tech people there.



3.0 Banking for and economics of post-industrial revolution

From the early 1970s The Economist  started celebrating being the first global and local viewspaper by inviting everyone to map post-industrial revolution  - behaviours to value multipy were identified as that of Entrepreneurial Revolution and the vision to connect through every global village was that of sustaining a net generation in which worldwide youth could be grow exponentially more productive. The Japanese in particular demonstrated great gameplays (progressing system thinking of americans like Deming, Drucker, and Borlaug) in the quality leadership of sectors they traded around a borderless world and through which Asian Pacific worldwide collaboration Century 1975-2075 was planted


There were 2 core dynamics of post-industrial revolution


1 knowledge networking can be designed to multiply value (interpersonal productivity) in use unlike the industrial revolution's consuming up of things -when you look at how berners lee launched the web the opportunity to evolve this way was huge- discuss which industry sectors (by different emispheres) tried to free this value multiplier and who tried to destroy it? in particular is there any subnetwork of MBAs that you can find that truly lived up to berners lee's vision


2 the macroeconomic view of externalisation needed to be banished as the greatest maths error man had ever made- extrenalisaion happens when deciso0n-makers in one community knowingly profits from a less powerful community by extracting from its future sustainability. This isnt just a moral value. When you expoemtially compound risk onto another community consequences include war, or ecoligal destruction or plague. All of these dynamics spread cancerously across borders- professins that rule as if such flows are separable are perfectly wrong.


What's most interesting is how the second phenomeno double loops with the first. The more interconnected we become as the first net generation the faster the risks of exponential destruction from the losers game of extrenalisation. Consequently entreprenurail revolultionaries search out multi-win models that go way above zero-sum thinking. They replace dismale economics of scarcity with joyful economics of abundance


Sp take a second lood at how we need to design these double-loop phenomena. We need to celebrat emoore's law not only applying to the capacity of silicon to go micro (doubling every couple of years or so) but death of distance apps where knowledge once coded can be action replicated anywhere that online access is avialable (which thanks to satellite costs not being primarily a cost of disnace can mean every community simultanously)


The industrial revolurion's value exchanging infrastructires were sourced in unleashing energy that was hundreds then thousands of times more powerful than man or horse! However extrenalsiation's expoentially rising costs of compounding waste were not fatored in - a teriifting ecom-mistake. However we can innovate plenty of non-carbon soirces of power - solar, wind, ocean power, photosynthesis and even biogas that turns one systems carbon waste output into another system energy input.


Back in 1984 economists inspired by over a decade of post-industrial dialogues, mapped out 3 billion new jobs that wise elders would invest in the net genartion colaborating around. You can call a thors of tese primarly e- (knowledge networking that multiplies interpersonal productivity) a billion primarily green, and a billion that work on regenarying every community sultansouly so that wherever a child is born she has a fair chance of grwing up healthy and entreprenurially smart. So opentech and green energy invested in revolutions in communal health, smarteeducation, nutrional and clean water access for all are what post-industrial revolution banking can prioritise as investments- and t6o do so multi-win models which sustain rising exponentails - not compound risk models that bubble up and exponentially collapse become the game to celebrate playing all over our planet http://wholeplanet.tv


module listing economic crises that are have been designed into financial system 1945-2012


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unaiwho.docx version 6/6/22 hunt for 100 helping guterres most with UN2.0

EconomistDiary.com Friends20.com & EntrepreneurialRevolution.city select 2022's greatest moments for citizens/youth of NY & HK & Utellus

Prep for UN Sept 22 summit education no longer fit for human beings/sustainability


Since gaining my MA statistics Cambridge DAMTP 1973 (Corpus Christi College) my special sibject has been community building networks- these are the 6 most exciting collaboration opportunities my life has been privileged to map - the first two evolved as grassroots person to person networks before 1996 in tropical Asian places where village women had no access to electricity grids nor phones- then came mobile and solar entrepreneurial revolutions!! 

COLLAB platforms of livesmatter communities to mediate public and private -poorest village mothers empowering end of poverty    5.1 5.2 5.3 5.4 5.5  5.6

4 livelihood edu for all 

4.1  4.2  4.3  4.4  4.5 4.6

3 last mile health services  3.1 3,2  3.3  3.4   3.5   3.6

last mile nutrition  2.1   2.2   2.3   2.4  2.5  2,6

banking for all workers  1.1  1.2  1.3   1.4   1.5   1.6

NEWS FROM LIBRARY NORMAN MACRAE -latest publication 2021 translation into japanese biography of von neumann:

Below: neat German catalogue (about half of dad's signed works) but expensive  -interesting to see how Germans selected the parts  they like over time: eg omitted 1962 Consider Japan The Economist 

feel free to ask if free versions are available 

The coming entrepreneurial revolution : a survey Macrae, Norman - In: The economist 261 (1976), pp. 41-65 cited 105 

Macrae, Norman - In: IPA review / Institute of PublicAffairs 25 (1971) 3, pp. 67-72  
 Macrae, Norman - The Economist 257 (1975), pp. 1-44 
6 The future of international business Macrae, Norman - In: Transnational corporations and world order : readings …, (pp. 373-385). 1979 >
Future U.S. growth and leadership assessed from abroad Macrae, Norman - In: Prospects for growth : changing expectations for the future, (pp. 127-140). 1977 Check Google Scholar | 
9Entrepreneurial Revolution - next capitalism: in hi-tech left=right=center; The Economist 1976
Macrae, Norman -In: European community (1978), pp. 3-6
  Macrae, Norman - In: Kapitalismus heute, (pp. 191-204). 1974

. we scots are less than 4/1000 of the worlds and 3/4 are Diaspora - immigrants in others countries. Since 2008 I have been celebrating Bangladesh Women Empowerment solutions wth NY graduates. Now I want to host love each others events in new york starting this week with hong kong-contact me if we can celebrate anoither countries winm-wins with new yorkers



TWO Macroeconomies FROM SIXTH OF PEOPLE WHO ARE WHITE & war-prone




From 60%+ people =Asian Supercity (60TH YEAR OF ECONOMIST REPORTING - SEE CONSIDER JAPAN1962)

Far South - eg African, Latin Am, Australasia

Earth's other economies : Arctic, Antarctic, Dessert, Rainforest


In addition to how the 5 primary sdgs1-5 are gravitated we see 6 transformation factors as most critical to sustainability of 2020-2025-2030

Xfactors to 2030 Xclimate XAI Xinfra Xyouth Wwomen Xpoor chris.macrae@yahoo.co.uk (scot currently  in washington DC)- in 1984 i co-authored 2025 report with dad norman.

Asia Rising Surveys

Entrepreneurial Revolution -would endgame of one 40-year generations of applying Industrial Revolution 3,4 lead to sustainability of extinction

1972's Next 40 Years ;1976's Coming Entrepreneurial Revolution; 12 week leaders debate 1982's We're All Intrapreneurial Now

The Economist had been founded   in 1843" marking one of 6 exponential timeframes "Future Histores"


we offer worldwide mapping view points from

1 2 now to 2025-30

and these viewpoints:

40 years ago -early 1980s when we first framed 2025 report;

from 1960s when 100 times more tech per decade was due to compound industrial revolutions 3,4 

1945 birth of UN

1843 when the economist was founded

1760s - adam smithian 2 views : last of pre-engineering era; first 16 years of engineering ra including america's declaration of independence- in essence this meant that to 1914 continental scaling of engineeriing would be separate new world <.old world


IF we 8 billion earthlings of the 2020s are to celebrate collaboration escapes from extinction, the knowhow of the billion asian poorest women networks will be invaluable -

in mathematically connected ways so will the stories of diaspora scots and the greatest mathematicians ever home schooled -central european jewish teens who emigrated eg Neumann , Einstein ... to USA 2nd quarter of the 20th century; it is on such diversity that entrepreneurial revolution diaries have been shaped 

EconomistPOOR.com : Dad was born in the USSR in 1923 - his dad served in British Embassies. Dad's curiosity enjoyed the opposite of a standard examined education. From 11+ Norman observed results of domination of humans by mad white men - Stalin from being in British Embassy in Moscow to 1936; Hitler in Embassy of last Adriatic port used by Jews to escape Hitler. Then dad spent his last days as a teen in allied bomber command navigating airplanes stationed at modernday Myanmar. Surviving thanks to the Americas dad was in Keynes last class where he was taught that only a handful of system designers control what futures are possible. EconomistScotland.com AbedMooc.com

To help mediate such, question every world eventwith optimistic rationalism, my father's 2000 articles at The Economist interpret all sorts of future spins. After his 15th year he was permitted one signed survey a year. In the mid 1950s he had met John Von Neumann whom he become biographer to , and was the only journalist at Messina's's birth of EU. == If you only have time for one download this one page tour of COLLABorations composed by Fazle Abed and networked by billion poorest village women offers clues to sustainability from the ground up like no white ruler has ever felt or morally audited. by London Scot James Wilson. Could Queen Victoria change empire fro slavemaking to commonwealth? Some say Victoria liked the challenge James set her, others that she gave him a poison pill assignment. Thus James arrived in Calcutta 1860 with the Queens permission to charter a bank by and for Indian people. Within 9 months he died of diarrhea. 75 years later Calcutta was where the Young Fazle Abed grew up - his family accounted for some of the biggest traders. Only to be partitioned back at age 11 to his family's home region in the far north east of what had been British Raj India but was now to be ruled by Pakistan for 25 years. Age 18 Abed made the trek to Glasgow University to study naval engineering.

new york

1943 marked centenary autobio of The Economist and my teenage dad Norman prepping to be navigator allied bomber command Burma Campaign -thanks to US dad survived, finished in last class of Keynes. before starting 5 decades at The Economist; after 15 years he was allowed to sign one survey a year starting in 1962 with the scoop that Japan (Korea S, Taiwan soon hk singapore) had found development mp0de;s for all Asian to rise. Rural Keynes could end village poverty & starvation; supercity win-win trades could celebrate Neumanns gift of 100 times more tech per decade (see macrae bio of von neumann)

Since 1960 the legacy of von neumann means ever decade multiplies 100 times more micro-technology- an unprecedented time for better or worse of all earthdwellers; 2025 timelined and mapped innovation exponentials - education, health, go green etc - (opportunities threats) to celebrating sustainability generation by 2025; dad parted from earth 2010; since then 2 journals by adam smith scholars out of Glasgow where engines began in 1760- Social Business; New Economics have invited academic worlds and young graduates to question where the human race is going - after 30 business trips to wealthier parts of Asia, through 2010s I have mainly sherpa's young journalist to Bangladesh - we are filing 50 years of cases on women empowerment at these web sites AbedMOOC.com FazleAbed.com EconomistPoor.com EconomistUN.com WorldRecordjobs.com Economistwomen.com Economistyouth.com EconomistDiary.com UNsummitfuture.com - in my view how a billion asian women linked together to end extreme poverty across continental asia is the greatest and happiest miracle anyone can take notes on - please note the rest of this column does not reflect my current maps of how or where the younger half of the world need to linkin to be the first sdg generation......its more like an old scrap book

 how do humans design futures?-in the 2020s decade of the sdgs – this question has never had more urgency. to be or not to be/ – ref to lessons of deming or keynes, or glasgow university alumni smith and 200 years of hi-trust economics mapmaking later fazle abed - we now know how-a man made system is defined by one goal uniting generations- a system multiplies connected peoples work and demands either accelerating progress to its goal or collapsing - sir fazle abed died dec 2020 - so who are his most active scholars climate adaptability where cop26 november will be a great chance to renuite with 260 years of adam smith and james watts purposes t end poverty-specifically we interpret sdg 1 as meaning next girl or boy born has fair chance at free happy an productive life as we seek to make any community a child is born into a thriving space to grow up between discover of new worlds in 1500 and 1945 systems got worse and worse on the goal eg processes like slavery emerged- and ultimately the world was designed around a handful of big empires and often only the most powerful men in those empires. 4 amazing human-tech systems were invented to start massive use by 1960 borlaug agriculture and related solutions every poorest village (2/3people still had no access to electricity) could action learn person to person- deming engineering whose goal was zero defects by helping workers humanize machines- this could even allowed thousands of small suppliers to be best at one part in machines assembled from all those parts) – although americans invented these solution asia most needed them and joyfully became world class at them- up to 2 billion people were helped to end poverty through sharing this knowhow- unlike consuming up things actionable knowhow multiplies value in use when it links through every community that needs it the other two technologies space and media and satellite telecoms, and digital analytic power looked promising- by 1965 alumni of moore promised to multiply 100 fold efficiency of these core tech each decade to 2030- that would be a trillion tmes moore than was needed to land on the moon in 1960s. you might think this tech could improve race to end poverty- and initially it did but by 1990 it was designed around the long term goal of making 10 men richer than 40% poorest- these men also got involved in complex vested interests so that the vast majority of politicians in brussels and dc backed the big get bigger - often they used fake media to hide what they were doing to climate and other stuff that a world trebling in population size d\ - we the 3 generations children parents grandparents have until 2030 to design new system orbits gravitated around goal 1 and navigating the un's other 17 goals do you want to help/ 8 cities we spend most time helping students exchange sustainability solutions 2018-2019 BR0 Beijing Hangzhou: 

Girls world maps begin at B01 good news reporting with fazleabed.com  valuetrue.com and womenuni.com


online library of norman macrae--


MA1 AliBaba TaoBao

Ma 2 Ali Financial

Ma10.1 DT and ODPS

health catalogue; energy catalogue

Keynes: 2025now - jobs Creating Gen


how poorest women in world build

A01 BRAC health system,

A02 BRAC education system,

A03 BRAC banking system

K01 Twin Health System - Haiti& Boston

Past events EconomistDiary.com

include 15th annual spring collaboration cafe new york - 2022 was withsister city hong kong designers of metaverse for beeings.app

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