Pages

Share This

Sunday, May 27, 2018

The notorious National Civics Bureau - Biro Tatanegara (BTN)

Controversial: The BTN has been accused of promoting racism, bigotry, disunity and intolerance in the name of instilling patriotism through its activities, like this in the National Transformation Training Programme.

National Civics Bureau - Biro Tatanegara


Pretty hate machine

Biro Tatanegaran has not only survived, but festered in a multinational country. 

Its review is long overdue!


IF there’s one government agency which needs a complete overhaul by the new federal government, it must be the notorious National Civics Bureau, better known to Malaysians as Biro Tatanegara.

Over RM1.1bil of taxpayers’ money has been outrageously spent to promote racism, bigotry, disunity and intolerance in the name of instilling patriotism.

The BTN was set up in the 1970s as a Youth Research Unit under the Youth Ministry. But by the 1980s, the obscure agency had evolved into the BTN we know, and placed under the Prime Minister’s office.

Its objective is to nurture the spirit of patriotism among Malaysians, and train them into future leaders who are “well-rounded intellectually, emotionally and spiritually” to support national development efforts.

This monstrous machine was wellfed, not just during the Najib administration, but during the reign of the Mahathir administration as well. And certainly, Datuk Seri Anwar Ibrahim, too, used it as a political tool.

But that’s in the past. Malaysia has rebirthed. And as the perfect paradox, only Tun Dr Mahathir Mohamad, as the new prime minister, can set things right again.

Anwar would surely support any move to review, if not, bury the BTN, because he ended up the bogeyman in its lectures in later years while he was in the political wilderness.

The BTN has been fraught by controversy for over three decades, with allegations of racism and political propaganda mainstays.

It is inconceivable that good taxpayers’ resources are poured into such an organisation, which many participants have said, blatantly drums up race and hate politics.

BTN’s brickbats come from either side of the political divide, yet the uproar seems to have fallen on deaf ears, presumably shackled by the lack of political will, or worse, tacit political support from the top.

In 1999, PKR leader Nik Nazmi Nik Ahmad claimed that the BTN camp he attended was “racial and political in nature,” with trainers impressing on attendees that Malays required affirmative action. It even criticised PAS as “deviationist.”

Another party leader, Amirudin Shari, said “participants are indoctrinated with propaganda about ketuanan Melayu” or Malay dominance.

Another alumnus alleged she was told “the Malays were the most supreme race in the world, we were God’s chosen few, that the others were insignificant. We were warned about certain elements in our society and abroad, determined to undermine Malay excellence.”

In 2009, then minister in the Prime Minister’s Department Datuk Seri Nazri Aziz ticked off BTN, squashing excuses raised in a Parliament debate that allegations of racist teachings might have come from mere “minor slip-ups” by BTN lecturers.

“Don’t think that people outside do not know about the syllabus based on patriotism for Malays. They know what the syllabus is all about, so who are we to say that it did not happen? You want to lie? You make people laugh.

“I mean, there are people who attended the courses who came out very angry. There were many instances of the use of words like Ketuanan Melayu. It is ridiculous. Do they want to say that Malaysia belongs only to the Malays and the government is only a Malay government? Should only the Malays be given the spirit of patriotism? Other races are not patriotic about their country?”

As Dr Mahathir settles in and combs through the list of government agencies, this is surely one Malaysians would want scrutinised as part of the process of trimming the fat.

In a piece in Malaysiakini, the writer aptly said, “the BTN is an anathema to the need to nurture critical and creative thinking among Malaysians.”

While it began as a youth research unit in 1974, under the Youth Ministry, it was reinvented as the BTN in the PM’s Department under Dr Mahathir.

BTN was run by many supporters of Anwar, himself a regular speaker at these courses, though he would come to regret the things he said then.

It has turned into an ethnic hate machine, as one writer put it, and has metamorphosed into an out of control monster.

Surely, Dr Mahathir wouldn’t have imagined what it has become. Even if he allowed it to evolve into a political tool to indoctrinate civil servants and scholarship holders, especially Malays, it is time for him to sort this out.

BTN may have been set up with the noble intention of “nurturing the spirit of patriotism and commitment to excellence among Malaysians, and train leaders and future leaders to support the nation’s development efforts”.

But that’s not what has happened. It has, instead, from all accounts, attempted to instil hate and prejudice among Malaysians, aspiring to produce leaders and future leaders with a jaundiced view.

Malaysians would remember that in September 2010, BTN deputy director Hamim Husin was reported for referring to the Chinese as “si mata sepet” (the slit-eyed) and Indians as “si botol” (the drinkers) during a Puteri Umno closed-door function.

Despite the outcry and media revelations, BTN was allowed to continue as it is, and with huge allocations streamed into these indoctrination camps.

According to Lim Kit Siang, the budgets for BTN multiplied tenfold in the 1990s (RM200mil) compared to the 1980s (RM20mil), and continued to increase. It more than doubled to over RM550mil in the first decade of the 21st century. From 2010 to 2015, the allocation for BTN totalled some RM365mil.

Now that the DAP is part of the government, it should be able to push for the right course of action, given its consistently strong stand against the organisation.

This is the most opportune time to can BTN. Malaysians believe the new federal government won’t be angling to allocate more funds to keep this monster alive.

By Wong Chun Wai who began his career as a journalist in Penang, and has served The Star for over 27 years in various capacities and roles. He is now the group's managing director/chief executive officer and formerly the group chief editor.

On The Beat made its debut on Feb 23 1997 and Chun Wai has penned the column weekly without a break, except for the occasional press holiday when the paper was not published. In May 2011, a compilation of selected articles of On The Beat was published as a book and launched in conjunction with his 50th birthday. Chun Wai also comments on current issues in The Star.


Related:

The writing is on the wall for BTN - Nation

 

Syed Saddiq backs abolition of BTN 

 

Review the position of political appointees individually 

Image result for National Civics Bureau - Biro Tatanegara (BTN) images
National Civics Bureau | HAKAM



This Week in Asia
Where will it end? Najib’s 1MDB chickens come home to roost

Malaysia's former prime minister Najib Razak after being questioned by the Malaysian Anti-Corruption Commission. Photo: AFP
This Week in Asia
Where will it end? Najib’s 1MDB chickens come home to roost
27 May, 2018 - 08:43 am
The 1MDB scandal had haunted the administration of Najib Razak after first coming to light in 2015. Now there is a new sheriff in town, the public is on the edge of its seat as it watches the wheels of justice begin to turn.

Related posts:

https://www.thestar.com.my/news/nation/2018/05/29/the-writing-is-on-btns-wall-controversial-agency-has-a-good-chance-of-being-shut-down/...




Dr Mahathir moves swiftly to inject confidence and stability into the market WHEN the results of the 14th general election were final...
Analysts say new government needs to quickly introduce measures to reduce the country’s liabilities ASSUMING the government repays it...
https://youtu.be/ZKoNfVcq5EQ PUTRAJAYA: Newly appointed Malaysian Anti-Corruption Commission (MACC) chief commissioner Datuk Seri Mohd...

The notorious National Civics Bureau - Biro Tatanegara (BTN)

Controversial: The BTN has been accused of promoting racism, bigotry, disunity and intolerance in the name of instilling patriotism through its activities, like this in the National Transformation Training Programme.

National Civics Bureau - Biro Tatanegara


Pretty hate machine

Biro Tatanegaran has not only survived, but festered in a multinational country. 

Its review is long overdue!


IF there’s one government agency which needs a complete overhaul by the new federal government, it must be the notorious National Civics Bureau, better known to Malaysians as Biro Tatanegara.

Over RM1.1bil of taxpayers’ money has been outrageously spent to promote racism, bigotry, disunity and intolerance in the name of instilling patriotism.

The BTN was set up in the 1970s as a Youth Research Unit under the Youth Ministry. But by the 1980s, the obscure agency had evolved into the BTN we know, and placed under the Prime Minister’s office.

Its objective is to nurture the spirit of patriotism among Malaysians, and train them into future leaders who are “well-rounded intellectually, emotionally and spiritually” to support national development efforts.

This monstrous machine was wellfed, not just during the Najib administration, but during the reign of the Mahathir administration as well. And certainly, Datuk Seri Anwar Ibrahim, too, used it as a political tool.

But that’s in the past. Malaysia has rebirthed. And as the perfect paradox, only Tun Dr Mahathir Mohamad, as the new prime minister, can set things right again.

Anwar would surely support any move to review, if not, bury the BTN, because he ended up the bogeyman in its lectures in later years while he was in the political wilderness.

The BTN has been fraught by controversy for over three decades, with allegations of racism and political propaganda mainstays.

It is inconceivable that good taxpayers’ resources are poured into such an organisation, which many participants have said, blatantly drums up race and hate politics.

BTN’s brickbats come from either side of the political divide, yet the uproar seems to have fallen on deaf ears, presumably shackled by the lack of political will, or worse, tacit political support from the top.

In 1999, PKR leader Nik Nazmi Nik Ahmad claimed that the BTN camp he attended was “racial and political in nature,” with trainers impressing on attendees that Malays required affirmative action. It even criticised PAS as “deviationist.”

Another party leader, Amirudin Shari, said “participants are indoctrinated with propaganda about ketuanan Melayu” or Malay dominance.

Another alumnus alleged she was told “the Malays were the most supreme race in the world, we were God’s chosen few, that the others were insignificant. We were warned about certain elements in our society and abroad, determined to undermine Malay excellence.”

In 2009, then minister in the Prime Minister’s Department Datuk Seri Nazri Aziz ticked off BTN, squashing excuses raised in a Parliament debate that allegations of racist teachings might have come from mere “minor slip-ups” by BTN lecturers.

“Don’t think that people outside do not know about the syllabus based on patriotism for Malays. They know what the syllabus is all about, so who are we to say that it did not happen? You want to lie? You make people laugh.

“I mean, there are people who attended the courses who came out very angry. There were many instances of the use of words like Ketuanan Melayu. It is ridiculous. Do they want to say that Malaysia belongs only to the Malays and the government is only a Malay government? Should only the Malays be given the spirit of patriotism? Other races are not patriotic about their country?”

As Dr Mahathir settles in and combs through the list of government agencies, this is surely one Malaysians would want scrutinised as part of the process of trimming the fat.

In a piece in Malaysiakini, the writer aptly said, “the BTN is an anathema to the need to nurture critical and creative thinking among Malaysians.”

While it began as a youth research unit in 1974, under the Youth Ministry, it was reinvented as the BTN in the PM’s Department under Dr Mahathir.

BTN was run by many supporters of Anwar, himself a regular speaker at these courses, though he would come to regret the things he said then.

It has turned into an ethnic hate machine, as one writer put it, and has metamorphosed into an out of control monster.

Surely, Dr Mahathir wouldn’t have imagined what it has become. Even if he allowed it to evolve into a political tool to indoctrinate civil servants and scholarship holders, especially Malays, it is time for him to sort this out.

BTN may have been set up with the noble intention of “nurturing the spirit of patriotism and commitment to excellence among Malaysians, and train leaders and future leaders to support the nation’s development efforts”.

But that’s not what has happened. It has, instead, from all accounts, attempted to instil hate and prejudice among Malaysians, aspiring to produce leaders and future leaders with a jaundiced view.

Malaysians would remember that in September 2010, BTN deputy director Hamim Husin was reported for referring to the Chinese as “si mata sepet” (the slit-eyed) and Indians as “si botol” (the drinkers) during a Puteri Umno closed-door function.

Despite the outcry and media revelations, BTN was allowed to continue as it is, and with huge allocations streamed into these indoctrination camps.

According to Lim Kit Siang, the budgets for BTN multiplied tenfold in the 1990s (RM200mil) compared to the 1980s (RM20mil), and continued to increase. It more than doubled to over RM550mil in the first decade of the 21st century. From 2010 to 2015, the allocation for BTN totalled some RM365mil.

Now that the DAP is part of the government, it should be able to push for the right course of action, given its consistently strong stand against the organisation.

This is the most opportune time to can BTN. Malaysians believe the new federal government won’t be angling to allocate more funds to keep this monster alive.

By Wong Chun Wai who began his career as a journalist in Penang, and has served The Star for over 27 years in various capacities and roles. He is now the group's managing director/chief executive officer and formerly the group chief editor.

On The Beat made its debut on Feb 23 1997 and Chun Wai has penned the column weekly without a break, except for the occasional press holiday when the paper was not published. In May 2011, a compilation of selected articles of On The Beat was published as a book and launched in conjunction with his 50th birthday. Chun Wai also comments on current issues in The Star.


Related:

The writing is on the wall for BTN - Nation

 

Syed Saddiq backs abolition of BTN 

 

Review the position of political appointees individually 

Image result for National Civics Bureau - Biro Tatanegara (BTN) images
National Civics Bureau | HAKAM



This Week in Asia
Where will it end? Najib’s 1MDB chickens come home to roost

Malaysia's former prime minister Najib Razak after being questioned by the Malaysian Anti-Corruption Commission. Photo: AFP
This Week in Asia
Where will it end? Najib’s 1MDB chickens come home to roost
27 May, 2018 - 08:43 am
The 1MDB scandal had haunted the administration of Najib Razak after first coming to light in 2015. Now there is a new sheriff in town, the public is on the edge of its seat as it watches the wheels of justice begin to turn.

Related posts:


Dr Mahathir moves swiftly to inject confidence and stability into the market WHEN the results of the 14th general election were final...
Analysts say new government needs to quickly introduce measures to reduce the country’s liabilities ASSUMING the government repays it...
https://youtu.be/ZKoNfVcq5EQ PUTRAJAYA: Newly appointed Malaysian Anti-Corruption Commission (MACC) chief commissioner Datuk Seri Mohd...

Saturday, May 26, 2018

From Industrial 4.0 to Finance 4.0


https://youtu.be/Gs4_eurnrtU


https://youtu.be/GMMfxVxdlSM

https://youtu.be/Wkp5a7RZOsQ

MOST people are somewhat aware about the Fourth Industrial Revolution.

The first industrial revolution occurred with the rise of steam power and manufacturing using iron and steel. The second revolution started with the assembly line which allowed specialisation of skills, represented by the Ford motor assembly line at the turn of the 20th century.

The third industrial revolution came with Japanese quality controls and use of telecommunication technology.

The Fourth Industrial Revolution, or first called by the Europeans Industry 4.0, is all about the use of artificial intelligence, robotics, genomics and process, creative design and high speed computing capability to revolutionise production, distribution and consumption. Finance is a derivative of the real economy – its purpose is to serve real production. Early finance was all about the finance of trade and governments to engage in war.


It is no coincidence that the first central banks (Sweden and England) were established in the 17th century at the start of the First Industrial Revolution. Industrialisation became much more sophisticated as Finance 2.0 brought the rise of credit and equity markets in the 18th and 19th centuries. Industrialisation and colonisation came about at the same time as the globalisation of banks, stocks and bond markets.

Again, with the invention of first the fax machine, then Internet that speeded up information storage and transmission in the 1980s, finance and industry took a quantum leap into the age of information technology. Finance 3.0 was the age of financial derivatives, in which very complex (and highly leveraged) derivatives became so opaque that investors and regulators realised they became what Warren Buffett called “weapons of mass destruction”. Finance 3.0 stalled in 2007 with the Global Financial Crisis and was only propped up with massive central bank intervention in terms of unconventional monetary policy with historically unprecedented interest rates.

We are now on the verge of Finance 4.0 and it may be useful to explore what it really means.

The common definition of Industry 4.0 is the rise of the Internet of Things, in which cloud computing, artificial intelligence and global connectivity means that cyber-physical systems can interact with each other to produce, distribute and trade across the world in a massively distributed system of production.

But what does Finance 4.0 really mean?

What truly differentiates Finance 4.0 from the earlier version is the arrival of Blockchain or distributed ledger technology. The best way to think about the difference is the architecture of the two different systems.

Finance 3.0 and earlier versions were all about a top-down or hierarchical ledger system, like a pyramid, in which trade and settlements between two parties are settled across a higher ledger.

A simple example is payment from Joe in bank A to Jim in bank B is finally settled across the books of the central bank in local currency. But in international trade and payments, the final settlements (at least more than 60%) are settled in US dollar finally across the ledgers of the Federal Reserve bank system.

Finance 3.0 was not perfect and those who wanted to avoid regulation, taxation or any official oversight basically moved trading and transactions off-balance sheet and also off-shore. This was the “shadow banking” system that financial regulators and central banks conveniently blamed on their failure to see or stop the last global financial crisis.

Although technically the shadow banking system is the non-bank financial system, which would include bond, stock and commodity markets, the bulk of illegal, illicit transactions traditionally was done in cash.

Welcome to the technical innovation called cyber-currencies, which was made possible for peer-to-peer (P2P) transactions across a distributed ledger system (commonly known as blockchain). In architectural terms, this is a bottom-up system which technically can avoid any official oversight. Indeed, cyber-currencies or tokens were invented precisely because the users do not trust the official system.

As the populist philosopher Stephen Bannon said, “central banks are in the business of debasing the currency”. Hence, those who want to avoid the debasement of their savings prefer to deal with either cash or cyber-tokens like bitcoin (pic).

What is happening in the rapidly evolving Finance 4.0 is that as the world moves from a unipolar order to a multi-polar world in which other reserve currencies also contend for trade and store of value, the top-down architecture is fusing (or merging) with a bottom-up architecture in which trade, transactions and stores of value are shifting towards the P2P shadow system.

Why this is taking place is not hard to understand. Post-global financial crisis, the amount of financial regulations have tripled in terms of number of rules and complexity on what the official sector can regulate, which is mostly the banking system. It is therefore not surprising that all the innovation, talent and money are moving to outside the banking system into the asset management industry, which is much more lightly regulated.

No talented banker, however dedicated to the values of banking probity, can resist the temptations of working in asset management, away from the heavily regulated environment where he or she is 24x7 under regulatory internal and external oversight.

Another reason why the cyber-P2P business is flourishing is because the official sector is worried that further regulation would hinder innovation. But those who want to increase the complexity of regulation must remember that for every 50 foot wall, someone will invent a 51 foot ladder.

So competition in the 21st century has already moved from the physical and financial space into cyber-space.

If there is one thing I learnt as a former regulator, it is that if the banks are behind the curve in terms of technology, the regulators are even further behind, since they learn mostly from those whom they regulate. But if financial regulators deal with financial innovation through “regulatory sandboxes” where they allow their regulated banks to experiment in sandboxes, they are treating their regulated institutions as kids in an adult game of ruthless technology.

Time for the official sector to make their stand clear or else Finance 4.0 promises to be very different from the orderly world that they are used to imaging. Nothing says this clearer than a recent survey by the Chartered Financial Analyst Institute, which showed that 54% of institutional investors surveyed and 38% of retail believe that a financial crisis in the next one-three years is likely or very likely.

You have been warned.

- Tan Sri Andrew Sheng writes on global issues from an Asian perspective.


Related


With blockchain’s rise, regulators must keep up with Industry 4.0 or lose control

 

With blockchain's rise, financial regulation must keep up with Industry ...

 

How Industry 4.0 will change accounting - Journal of Accountancy

 

Finance 4.0: Mastering the Fourth Industrial Revolution | Oracle ERP ...

 

Five ways Industry 4.0 financing unlocks productivity bonus - YouTube

 

Related posts:

 

What is Blockchain Technology, its uses and applications?


 

BLOCKCHAIN beyond Bitcoin

 

On Mcoin, Bitcoin and points of investment

From Industrial 4.0 to Finance 4.0


https://youtu.be/Gs4_eurnrtU


https://youtu.be/GMMfxVxdlSM

https://youtu.be/Wkp5a7RZOsQ

MOST people are somewhat aware about the Fourth Industrial Revolution.

The first industrial revolution occurred with the rise of steam power and manufacturing using iron and steel. The second revolution started with the assembly line which allowed specialisation of skills, represented by the Ford motor assembly line at the turn of the 20th century.

The third industrial revolution came with Japanese quality controls and use of telecommunication technology.

The Fourth Industrial Revolution, or first called by the Europeans Industry 4.0, is all about the use of artificial intelligence, robotics, genomics and process, creative design and high speed computing capability to revolutionise production, distribution and consumption. Finance is a derivative of the real economy – its purpose is to serve real production. Early finance was all about the finance of trade and governments to engage in war.


It is no coincidence that the first central banks (Sweden and England) were established in the 17th century at the start of the First Industrial Revolution. Industrialisation became much more sophisticated as Finance 2.0 brought the rise of credit and equity markets in the 18th and 19th centuries. Industrialisation and colonisation came about at the same time as the globalisation of banks, stocks and bond markets.

Again, with the invention of first the fax machine, then Internet that speeded up information storage and transmission in the 1980s, finance and industry took a quantum leap into the age of information technology. Finance 3.0 was the age of financial derivatives, in which very complex (and highly leveraged) derivatives became so opaque that investors and regulators realised they became what Warren Buffett called “weapons of mass destruction”. Finance 3.0 stalled in 2007 with the Global Financial Crisis and was only propped up with massive central bank intervention in terms of unconventional monetary policy with historically unprecedented interest rates.

We are now on the verge of Finance 4.0 and it may be useful to explore what it really means.

The common definition of Industry 4.0 is the rise of the Internet of Things, in which cloud computing, artificial intelligence and global connectivity means that cyber-physical systems can interact with each other to produce, distribute and trade across the world in a massively distributed system of production.

But what does Finance 4.0 really mean?

What truly differentiates Finance 4.0 from the earlier version is the arrival of Blockchain or distributed ledger technology. The best way to think about the difference is the architecture of the two different systems.

Finance 3.0 and earlier versions were all about a top-down or hierarchical ledger system, like a pyramid, in which trade and settlements between two parties are settled across a higher ledger.

A simple example is payment from Joe in bank A to Jim in bank B is finally settled across the books of the central bank in local currency. But in international trade and payments, the final settlements (at least more than 60%) are settled in US dollar finally across the ledgers of the Federal Reserve bank system.

Finance 3.0 was not perfect and those who wanted to avoid regulation, taxation or any official oversight basically moved trading and transactions off-balance sheet and also off-shore. This was the “shadow banking” system that financial regulators and central banks conveniently blamed on their failure to see or stop the last global financial crisis.

Although technically the shadow banking system is the non-bank financial system, which would include bond, stock and commodity markets, the bulk of illegal, illicit transactions traditionally was done in cash.

Welcome to the technical innovation called cyber-currencies, which was made possible for peer-to-peer (P2P) transactions across a distributed ledger system (commonly known as blockchain). In architectural terms, this is a bottom-up system which technically can avoid any official oversight. Indeed, cyber-currencies or tokens were invented precisely because the users do not trust the official system.

As the populist philosopher Stephen Bannon said, “central banks are in the business of debasing the currency”. Hence, those who want to avoid the debasement of their savings prefer to deal with either cash or cyber-tokens like bitcoin (pic).

What is happening in the rapidly evolving Finance 4.0 is that as the world moves from a unipolar order to a multi-polar world in which other reserve currencies also contend for trade and store of value, the top-down architecture is fusing (or merging) with a bottom-up architecture in which trade, transactions and stores of value are shifting towards the P2P shadow system.

Why this is taking place is not hard to understand. Post-global financial crisis, the amount of financial regulations have tripled in terms of number of rules and complexity on what the official sector can regulate, which is mostly the banking system. It is therefore not surprising that all the innovation, talent and money are moving to outside the banking system into the asset management industry, which is much more lightly regulated.

No talented banker, however dedicated to the values of banking probity, can resist the temptations of working in asset management, away from the heavily regulated environment where he or she is 24x7 under regulatory internal and external oversight.

Another reason why the cyber-P2P business is flourishing is because the official sector is worried that further regulation would hinder innovation. But those who want to increase the complexity of regulation must remember that for every 50 foot wall, someone will invent a 51 foot ladder.

So competition in the 21st century has already moved from the physical and financial space into cyber-space.

If there is one thing I learnt as a former regulator, it is that if the banks are behind the curve in terms of technology, the regulators are even further behind, since they learn mostly from those whom they regulate. But if financial regulators deal with financial innovation through “regulatory sandboxes” where they allow their regulated banks to experiment in sandboxes, they are treating their regulated institutions as kids in an adult game of ruthless technology.

Time for the official sector to make their stand clear or else Finance 4.0 promises to be very different from the orderly world that they are used to imaging. Nothing says this clearer than a recent survey by the Chartered Financial Analyst Institute, which showed that 54% of institutional investors surveyed and 38% of retail believe that a financial crisis in the next one-three years is likely or very likely.

You have been warned.

- Tan Sri Andrew Sheng writes on global issues from an Asian perspective.


Related


With blockchain’s rise, regulators must keep up with Industry 4.0 or lose control

 

With blockchain's rise, financial regulation must keep up with Industry ...

 

How Industry 4.0 will change accounting - Journal of Accountancy

 

Finance 4.0: Mastering the Fourth Industrial Revolution | Oracle ERP ...

 

Five ways Industry 4.0 financing unlocks productivity bonus - YouTube

 

Related posts:

 

What is Blockchain Technology, its uses and applications?


 

BLOCKCHAIN beyond Bitcoin

 

On Mcoin, Bitcoin and points of investment