Money20/20 is always a special event. Surrounded by the wonderful madness of Las Vegas, the great and the good of the financial world descend to discuss serious topics that will shape the industry in the years to come.

Identity was one of the early themes to merge from the show. Conference tracks on the Sunday were dedicated to the subject – with the always insightful Dave Birch reminding everyone not to digitise existing forms of identity but to create truly digital identity.

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I still have an old Apple IIe, fully functional. At those days before the Internet, SW ran “bare-metal” it could access any HW registers, ROM and RAM. Programs even overwrote their own code either as a bug or a weird feature.

Later with the advent of multi-process OS, virtual memory was introduced to prevent one process from overwriting another, and a kernel was set to manage the mapping of physical memory to the various processes through a Memory Management Unit (MMU).