Disruptiv Newsletter: Ernie AI bot 🤖 Didi expansion plans 🚗 Crypto 👾 and more

Welcome to the Disruptiv newsletter! You're about to get this week's top tech and innovation insight that we saw this week. Enjoy! [disruptivflow-header] Good morning, FlowBankers Welcome to the Disruptiv newsletter! A weekly aggregate of relevant tech-focused quick takes. New: See our [LinkedIn](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB2-MJQV1-WJV7CgPxRN3g--HsN_84-W4mclw82kpmttN2GdDY-tPj0KW2dvy4s1p4HjzW73vBLZ1bvF3WVpBttY6dlvXvW3KcBTY2sBFqMW6C4Nj45lY6bNW6wcvC_8hPwF1W29R1l-7dclR1N5Z0mXMGYbVjW863ztw4024XlW4-jCzz80LKtjW5TSBPk2qTNTMW63PJc47q1nkjW5kFjW93_v-X1W1gRzSD6Yc1W2N8Zd1rZY5YnD3g7c1) and [Instagram](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfh2-MJwV1-WJV7CgSJlW1fwx463YCVPnW3qVft767d1tkW6j038s76p2mnW7LMs645WBVlYW7nbw6s14Ng5cW3P5Nsp39q8_CW1FWJ-y2FN9m2W1RtzTx61s2zbW5Mtrbw3p4D7vVV-rr05MX5ZgW7dkhTv8tFY5hW7ZRRZJ3Zr10GW6TKZ9G1nGwtbW7ystb_6g-4YVW7x10L75L_sJhW256WxL5tyqSX31W01) highlights below Saturday 18th March, 2023 [Start trading](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfV2-MK5V1-WJV7CgP1PW31gnBT2D733lW8C8W239hd7VtW8l29mc3wtR4wW8nSwvj5tkgXcW7rMZZs3Mx4S_VZgMdJ8Pw6XJW6yf56M6zdWkhV5HmJV8cXCgPW8G0nnq84YBtvVj7MMV68LBHNW8WvSl-4FRpM3W5yFjFg8qzRNXW1qbP4L1T5N21W15t9576b5zr8W4MJgyX3XQHY2N95X3kmMzFYbW3ZYSHp4gvvpHW6ZKzp-2pgnPFW5GJYNJ6sSJQGW1qf70C7qfX_M3c2S1) FlowBank tech articles 📚 What does the SVB fallout mean for tech stocks ? [fedpic-1](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB2-MJQV1-WJV7CgFWgW2jTbb63jJtxyW2QDDrs2p2hLRW6Bwsln2Sh2DwW6D53dV5w7vHHN1SsBzvxvDSyW98-jJ357rY_kW3DfGQQ6d6CrkW8L3-bM6j2BM6VwMcvg8DwLySW7Cz8jJ4XFpxWW1jM6SW4V2ymBW6Gg9PJ84qRSmW8qdLR92Mz5LGW5GtQ6m5ZxwgGW4QnSFb881S4GVhn8qJ5ScDcDW26gTzp3cBL1fW7NPrSc1myFWn2b61) The collapse of SVB has stirred up volatility not just in the banking sector but also in the tech sector. The Nasdaq initially slumped in reaction to the bad news but the implications for interest rate policy could turn out to be good for tech stocks. [Read me](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB2-MJQV1-WJV7CgCMXW4TLDVR90bR_7VHYkfn3gVvdrW7-hhzc9gzWwJW7l-G-n6Zn8NQW5Jnykf7xVYq-W4wwmmy4rR0j-W7nHQWz7-_2QqW71XBTG6wbT12W17wr554J3CykW2b8y6b5_Z57qW6xN23750xBGdN9kVNd8f0hHqW67j9RC4cvGSmW3XC9h72tnhMXW6Swlcy90x6bNW1sm0_h2k6SDtW1f1Qr26-_YGrW6nFGKy4nmDmj34qg1) Big Technology 🍎 - Didi, the ride-hailing app, is planning to expand this year, bringing its services to more cities while also expanding the services it offers. The app returned to stores in China at the start of the year after being removed in July '21. c - Baidu's ChatGPT rival, called Ernie, was tested by brokerages, including Citigroup, this week, who gave it the thumbs up. Baidu is seen as a front-runner in the AI field from China. c - Alphabet's Google raises prices of YouTube TV to $73 per month from $65, blaming rising content costs. YouTube, Google's cable TV replacement, in following in the footsteps of other streaming services, such as Disney, HBO, and Apple, which have also hiked prices. VC + Startups 🎯 - Klimato, a Stockholm-based green-tech startup, has secured €4.2 million to support its mission of reducing the food industry's carbon impact. Kimato has developed a platform helping restaurants to calculate and communicate the carbon-footprint per dish, helping diners make climate-friendly choices. - QuadSAT, has secured €9 million to scale up operations for its technology which can test satellite equipment at every stage of its cycle, making satellites more efficient. c - Kovalee, a Paris-based startup has bagged €8 million in a series A funding round to expand. The mobile app development platform helps creators gain a competitive advantage by leveraging AI, ML, and automation technology. Crypto 👾 - Downloads for the top 10 apps for crypto exchanges and wallets have jumped over 15% following the collapse of SVB as momentum for a bankless alternative grows. c - Meta will wind down its NFT and digital collectable features on Instagram and Facebook, which was introduced less than a year ago. The move comes after Meta's Novi digital wallet was shut down last year. Law and regulation 🕵️ - Two major US regulators, the SEC and the CFTC are clashing over jurisdiction rights regarding cryptocurrencies. The SEC argues that all digital assets should be treated as securities. The CFTC insists Ethereum should be classified as a commodity. c - According to Austria's data protection authority, Meta tracking technologies breach EU data protection law as personal data was transferred to the US, where it runs the risk of government surveillance. Disruptiv Figure 📊 . What does AI mean for the future? ChatGPT has taken the tech world by storm. OpenAI launched GPT-4 this week, just 4 months after the first version was made public, which, while still flawed, is expected to have fewer bugs and be more creative. The opportunities that AI could be endless. The chart below shows Americans' opinions on which sectors AI could help the most. Source: Statista [1703] [LinkedIn](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB2-MJQV1-WJV7CgSW5W2QKgPd5lH7j5W4xpCrG945-M6VtFM4Z8ss3JnW3fYFBn3H62_JN3Zgtc6Q0TRSW3HjdLX3pP_mGW3hScd16jlpl6W8WqfzG6T4wGpW7Sc5CX8Ht0SpVNgfZK7m2QfnW6hVgcQ8XlR-vW681cv41dG0Z6W2QV43j5JytJyW2W1hkR2lHB8HW322HnT7tYWxpN1Pv0Zj7lJNRW4pbJ4r1ZbgJhW1RDsqh6F2-2P3ksR1) Highlights Top 10 Largest Renewable Energy Company 🔋 McKinsey forecasts that by 2035, renewables will generate 60 percent of the world's electricity❗ Is renewable energy an interesting sector to invest in? ⁣ Click [here](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB2-MJQV1-WJV7CgKh9W8cQngR6_cd_NW3GY6nc4XvLhHN98xPZcZXCPqW3LJc_S6L56skW41YRbf2Gl9HsW2JWmWC4WZvf8MkrPvdPNgm1W6nm5ZT52bQ4zW2nyGMs2YHYm1M9whG2jYWTfVYb_Nl7QzSgnN1ycqJ3cpxZBW1kC-g84SNWwTW58VXs-4mgShkW55gLNP3MpH7WW3dxCVq5_ccFvVfvb_638dl0QN923tvnCZXRJ38361)to read more. [Renewables infographic] [LinkedIn](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB2-MJQV1-WJV7CgXpfW4HvBbK8h66CNW7vdT2D1gYYvTW1_98kp1f-VQpW2j34Lq2tKPr3W6kz-B32GqGxnW6WsnF11Rlfs_W4L7qqD5NxGgYW1mcdyW2q-zXZW7vbB_17BpH9ZW2F2Stg7PmLtpVq91VT4n0pRnW3x6b7k46TwcPW3G01gf6sdwNkW8Jz9jn8b3NtLVLLcTf2NQwzsW7rb0Mc8mf6Z9W2J_pGS1KTBqlW8nxWW1283z6c3jhm1) poll: Is the Fed nearing the end of its hiking cycle? [Vote here, we want to hear from you!](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFg92-MKpV1-WJV7CgPc_W3vCGPB89BP7WW84tLJT6r7Nn-W89K9rJ8pkvWzW7zK04-5M7TSMW505hBd4cDPtQW5st_WC3F4lp3N2VR12R6PV4pW4m_GBk8dQt92N6tQwsQN_NNKW89qjXD14ZRQ1W4kqJGY4D9S1yW5dLp4R8x4-kgN7rcFLxQmgPnW8yXsG33Yy9d2N9lVlQlS38X8W2NWG7h19k21KW91-KFj4QJMnqW3J1L895GN0YnW8rDSgp91d-q2W6Sg45q4hjgZdW8yrg881R3WxmW6Wdz805-ZbcS3hnN1) Poll of last week ([here](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB6XSK9V5X_Kf7CgF0YW54VZZN2zLL0hW15Lh_Z2lv9WBN8fQr6JZCcWWVhvDMN2hSlcPW2KJHXl2DhlJpW2cH2w75Lj6pgW934rhh2K-CykW79HRbR46D8XXW7njY0X5ZbrrnN77JH5Fw41ttN3DLGGXYD7-TW7HcWBP2hfpj2W1pwdt65xT0-CW4j7X5N7KFmpFW5-J1cJ7wVQhRW1LDJ5B5Wz8B5W3Jk5z85cqsRDW2qzBtS4hJFgSW6lcFn41kVwJNW5-sCRq5DyqS7W33XSnc76yHD-VdFgy3536l2jN2XjK94YNJYWW5JGCJ96TXJ-4W3f1Tk176kCpCW8ZjJ1G5d8R5DW5cptcc3Gg9YGW6qHyXs3CPdHwW3_PZPq7QQPJPVzSGy_68ySXTW1TxNTR96dMY2W32R0l_5lrv7NN8CTB0qyN6hSW6KShFd20dZGqW6fR3LF9jqFjzW4nKphQ7l3ryzW1ygfLh7ng2tCW2m4gTB1p8tkdN18QqC0LGgtqW4sm8gb7KpYP8W33PZ838JTDKCW4-C-Dq63kgtdW6TDPWg3nmLCVN1Lyg1rR8rP6W5x8DsC57yckYW2xx_Yr8F2c-lW1yVcbS5sSbNvW1CXg1v5cWvJmW8Psln87Wdc0cW60-j_016qBTy2wM1)): The % of mutual funds led by women. [INSTAGRAM](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfh2-MJwV1-WJV7Cg-vYVHzz-T2gyghZW1SJrj54kNkzdW4G3nkY5NxxY_W5vG2mC1nVZqKVT8MDC4czW0kW2lxPxh5N9ml_W4w-4Cf9gpYPvW76rdQC4p9MdgW4rySWp1nYcFlW2NDtV281SgMdW8Ltgdk8nGQKHV2HFhT99zgnPW8V7dzX2yqyTFW4-R5rF6XfdGMW57zBgK8LLPstW5J7KVk4Grph631GH1)Highlights 6 Inspirational Women Leaders 🎉 They have changed perspectives in their fields, and on women in general. ⁣ Click [here](113/cXx8Z04/MXf3PhR-1hvW7GMSqM4TbK_pW7swsJQ4Ygzk3N4WpFfB2-MJQV1-WJV7CgNcqW76ypTS63_9wsW1NZWjk7-5MfmW4rbWtr2bFdrDVHSngS83prlkW7kr0p33GhmkWW6jspk32_ymCHW6GvWDD31CDSPW4mlWzm6tZKpKW1cPf0L1sqZFBN4Njj1DFv9dRW8yTRQg4vdD5ZW4Z9p8710j82jW6HXlzf5_rmdnV4zxDk1dtYtSN26QbslzpKr1W91v_rS95bM9gW1m-rYn1M010-W5PqKPr75lrLk32Kt1)to see the carousel. [Lagarde - FlowBank IG] Don't forget to... 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