Heri Marco

Heri Marco

Highly skilled in tracking details, communicating deadlines, and following up with internal and external stakeholders to ensure on time completion within budget. Ability and interest in learning and incorporating new technology. 


We are surrounded by new ideas 360 degrees around us. 

  • There are many ideas along the way from home to office. 
  • There are many new ideas around our community
  • There are many new ideas around our business.
  • There are many new ideas around our friends’ premises.
  • There are many new ideas around us

What do you observe and discover at home, office, business, community, or any environment around you? We may miss many opportunities that can change our lives if we do not see and discover.

There is a way we can observe things and discover new ideas. It makes us more. Also, there is a way we can see things and catch nothing. It makes us less. We can observe and discover new ideas if our mindsets are programmed to be receptive to new ideas. Also, we can observe and catch nothing rather than information if our mindsets are not programmed to be receptive to new ideas.

It's all depends on how we have programmed our mindset on observation.


What is Radical Observation?

Radical observation is the ability to observe positively beyond the fundamental nature or facts of something. You focus your eyes on appreciating the meaning and understanding and see behind the scene. The focus of radical observation is to observe while fixing your mind to catch new ideas beyond the known facts.

Radical observation is different from observation used in research. Observation is a systematic research technique used to collect evidence for research findings. But radical observation is a strategic observation focusing on discovering new ideas from problems or events in life. It is not necessary to be systematic. 

Sir Isaac Newton, a mathematician, and physicist discovered gravity when he saw a falling apple while thinking about the forces of nature. Sir Newton observed the falling apple beyond the known facts. He challenged himself by asking the following questions;

Why is the apple falling?

What is the force behind it?

With these attitudes, sir Newton realized that some force must be acting on the falling apple.  He researched the new idea and developed the law of gravity.


How to Program Radical Observation

Radical observation depends on radical thinking and observation skills. Therefore, it is necessary to program our minds on radical thinking and improve the way you observe to practice radical observation. Use the following techniques to practice radical observation;


Practice Radical Thinking

Our mindsets determine how we observe things around us. It is easy to practice radical observation if we practice radical thinking. The first step to practice radical observation is to practice radical thinking. Program the following attitudes in your mind to practice radical thinking;

  • Always appreciate what others think.
  • Always think of alternative
  • Always think more than what is known?


Observe Strategically

Time is a strategic resource for every innovator or inventor. You don’t have to observe everything around you. Observe strategic issues around every event in life. The strategic issue includes problems and challenges around you. Observe and discern solutions to different problems and challenges around you.  

When observing, challenge yourself with the following questions; 

  • Is there any alternative?
  • What is behind the scene?
  • Ask questions to understand more than know facts? 
  • Ask yourself why only this or why this way? 
  • Ask yourself how it will look if we change or make an improvement?


Write New Ideas & Develop It

Use a notebook, mobile phone, or tablet to write new ideas. Observe and write new ideas.  Chant and connect dots to explore more. Develop new ideas into products or services.


SourceThe Art of Discovery & Innovation 

Radical & Success Mindset


A study conducted by Queen’s University in Kingston, Canada 2020, shows that every person produces 6,200 thoughts per day. The average thinking capacity for a person per day is 6,200 thoughts. It is the high level of production of thinking.


The challenge is that, what kind of thoughts do we produce?

Do we produce thoughts that make us more in life?

Do we produce ordinary or extraordinary thoughts?

It's all depends on how we have programmed our mindset on thinking.


There is a way we can think and produce new ideas. Also, there is a way we can think and come up with nothing rather than daily repeated ideas. It all depends on how we practice thinking. We can think and discover new ideas if our mindsets are programmed to be receptive to new ideas. Also, we can think and discover nothing rather repeated ideas if our mindsets are not programmed to be receptive to new ideas.

The difference between ordinary and extraordinary people depends on how they practice thinking.  Also, the difference between innovators and ordinary people depends on how they practice thinking.

Those who practice radical thinking produce new ideas and become extraordinary, rich, and wealthy. But those who practice ordinary thinking remain with the same old ideas and become normal. Innovators do practice radical thinking. But normal people think ordinary.


What is Radical Thinking?

Radical thinking is the ability to think positively beyond the fundamental facts of something. It is to think extraordinary or out of the box. You focus your minds not only on the known facts of something. But you also focus your mind on appreciating and thinking beyond the known facts. 

Thinking beyond the known facts helps us to catch a ball and create new ideas. 

Radical thinking creates new ideas beyond the existing ones. Many inventions and innovations that break the status quo came from radical thinking. 


Thomas Edison, an American inventor, was granted 1,093 patents for inventions. His radical thinking ability positioned him as the famous inventors in the history of the world that ranged from the electric pen, the typewriter, the light bulb, phonograph, motion picture, alkaline storage battery, and concrete house. He left 3,500 notebooks for his ideas when he died in 1931. 

Radical thinking is an industry of idea production in our minds. It is the art of catching new ideas beyond the known facts. Radical thinking helps us to produce new ideas by keeping our minds open to learning more. Our mind can discover more if it is programmed to think for alternative or more than known facts. Ask yourself the following questions for every thought that comes to your mind.  

  • Why only this? 
  • How does it look if we make some changes? 
  • What will happen if we add some features? 


How to Program Radical Thinking

Everyone can program radical thinking. It is just your decision. Decide now to practice radical thinking. Use the following steps and techniques to practice radical thinking;


Step 1. Practice Radical Thinking

Everyone can practice radical thinking. Set standards in your mind to scan every thought with the following techniques;

  • Always appreciate what others think.
  • Always think of alternative
  • Always think more than what is known?
  • Always ask questions to understand more than know facts? 
  • Always ask why only this or why this way? 
  • Always ask how it will look if we change?

 Once you program these questions in your mind, it will help you to think radical and discover many new ideas in your life. 


For example

The above image is known as the image of heart or love. Whenever you think about love, this image comes to your mind. This image represents love because it looks like a heart. True love comes from the heart. It is a known fact for this image.


By using our ordinary thinking, this image of love is final and end. We believe there is no alternative because we limit our minds to think beyond the known facts. 


But by using radical thinking, this is not the final and end image of love. Our minds are open to thinking more. With radical thinking, we can think of the following options; 

  • What will happen if we change the design? 
  • How does it looks if we add some features?
  • Is there an alternative to this image?
  • Why this image?

By using radical thinking, we appreciate and acknowledge that this is the image of love. But, it is not true that this is the only image of love. We keep our minds open to thinking more beyond the known facts. 


2. Write New Ideas & Develop It

Use a notebook, mobile phone, or tablet to write new ideas. Think and write new ideas.  Chant and connect dots to explore more. Develop new ideas into products or services.

Source: The Art of Discovery & Innovation 

Radical & Success Mindset

I am old enough to change the world.


I know Who I am?

I have a Life Purpose to accomplish.

I exercise my Talent and Passion.

I focus on my Core Genius.


My story is in my Core Genius. Do not let me out of my Core Genius. Guide me, trust me, I will make a difference.


Children have great resources that can change the world. They are fully professionals endowed with solutions. We can only harness these resources to make the world a better place if we guide them with the right mindset.

Genius & Success ebook presents a simple story to guide your child on success mentality. This is a child self-development guide. The book is for children from the age of 3 up to 12 years old. During these stages, a child’s brain greatly benefits from make-believe affirmations which build a strong foundation for intellectual thinking. This is the best stage to build success attitudes and positive thinking in your child. These success attitudes have been practiced by many successful people around the world. However, the main challenge is that most people get to learn the secret behind these success attitudes much later in their adult lives. Those who have discovered this secret have started imparting the knowledge to their children from a young age by instilling success attitudes in their minds. These success attitudes help build self-confidence in children, helping set the stage for high academic achievements, a happy home life, and a brighter future.


This book is designed to help your child to build five success attitudes. Assist your child to form a habit by affirming the positive words every day by using Parental guides provided in chapter 6.

  • Assist your child to understand his or her life purpose and what he or she is good at.
  • Assist your child to read, affirm and make a daily habit to build strong success attitudes.
  • Encourage your child to work on these activities until he or she adopts these success attitudes.


Download your free ebook to learn in the following link.

Smart Teens in the world


Nothing can stop the Smart teens. They get what they want while others are complaining.   


Yes, they are students. 

But they have proved that there is no limitation in making a difference. 

Lack of capital is not a limitation. 

Lack of experience is not a limitation

Being a student or teen is not a limitation  


They are dependable leaders in the world. 


I crafted a Smart Teens book to amplify the works of the Smartest teens in the world.  Adeeb Alblooshi from Dubai, the United Arab Emirates; Shubham Banerjee from California, the USA; Harley Bird from Tring, Hertfordshire, the United Kingdom; Helena Coggan from London, England; and others.


Their stories are impressive and worth teaching. Achieving the best during teenager is a breakthrough. 

It is worthy for other teens to learn, dream more and be more. 



Why Smart teens?

  1. They are proactive and action-driven. Smart teens take action to solve problems.
  2. They are proactive and time-driven. Smart teens do not wait for graduation to start confronting challenges and providing solutions.
  3. They are proactive and passion-driven. Smart teens do what they love.
  4. They are proactive and talent-driven. Smart teens use their talent to solve problems.
  5. They are proactive and vision-driven. Smart teens know what they want to achieve. 
  6. They are proactive and network-driven. Smart teens know how to use a network to build success. 
  7. They are proactive and success-mindset-driven. Smart teens have strong success characters.


The following is a list of the World's smartest teens according to the Best School;

  1. Adeeb Alblooshi, 13 years, Dubai, United Arab Emirates
  2. Shubham Banerjee, 16 years, California, USA
  3. Harley Bird, 16 years, Tring, Hertfordshire, United Kingdom
  4. Henry Burner, 14 years, Carnation, Washington, USA
  5. Grace Bush, 17 years, Florida, USA
  6. Keiana Cave, 19 years, New Orleans, Louisiana, USA
  7. Helena Coggan, 18 years, London, England
  8. Marley Dias, 13 years, Pennsylvania, USA
  9. Charlie Fenske, 18 years, Edgartown, Massachusetts, US
  10. Mihir Garimella, 17 years, Pittsburgh, Pennsylvania, USA
  11. Autumn Greco, 19 years, New York, New York, USA
  12. Ruth Ama Gyan-Darkwa, 14 years, Kumasi, Ghana
  13. Olivia Hallisey, 19 years, Greenwich, Connecticut, USA
  14. Geneva Heyward, 17 years, Corona, New York, USA
  15. Kimora Hudson, 13 years, Douglasville, Georgia, USA
  16. Kimora Hudson, 13 years, Douglasville, Georgia, USA
  17. Kenneth Jiao, 17 years, Indian Springs, Alabama, USA
  18. Shriank Kanaparti, 18 years, Banaglore, India
  19. Andrew Komo, 18 years, Bethesda, Maryland, USA
  20. Anah Lewi, 19 years, Brooklyn, New York, USA
  21. Aaron Lin, 19 years, Calgary, Alberta, Canada
  22. Michelle Marquez, 19 years, Midlothian, Virginia, USA
  23. Maanasa Mendu, 15 years, Ohio, USA
  24. Kristián Mensa, 19 years, Prague, Czech Republic
  25. Gabriel Mesa, 17 years, Hartford, Connecticut, USA
  26. Anushka Naiknaware, 14 years, Portland, Oregon, USA
  27. Nikhil Gopal, 18 years, Lawrenceville, New Jersey, USA
  28. Kiara Nirghin, 16 years, Johannesburg, South Africa
  29. Krtin Nithiyanandam, 17 years, Surrey, United Kingdom
  30. Ethan Novek, 19 years, Greenwich, Connecticut, USA
  31. Esther Okade, 13 years, Walsall, United Kingdom
  32. Annie Ostojic, 15 years, Munster, Indiana, USA
  33. Valerio Pagliarino, 18 years, Castelnuovo Calcea, Italy
  34. Tristan Pang, 16 years, Auckland, New Zealand
  35. Ben Pasternak, 18 years, Vaucluse, New South Wales, Australia
  36. Peyton Robertson, 16 years, Fort Lauderdale, Florida, USA
  37. Zain Samdani, 17 years, Riydah, Saudi Arabia
  38. Elliott Sarrey, 17 years, Maron, France
  39. Connor Shugg, 18 years, Apex, North Carolina, USA
  40. Jeremy Shuler, 14 years, Grand Prairie, Texas and Ithaca, New York, USA
  41. Mphatso Simbao, 18 years, Lusaka, Zambia
  42. Caitlin Stanton, 19 years, New York, New York, USA
  43. Rohan Suri, 18 years, Alexandria, Virginia, USA
  44. Franklyn Wang, 17 years, Falls Church, Virginia, USA
  45. Ramarni Wilfred, 15 years, Romford, United Kingdom
  46. Alexander Wulff, 18 years, Skaneateles, New York, USA
  47. Jeffery Xiong, 17 years, Dallas, Texas, USA
  48. Amber Yang, 18 years, Windermere, Florida, US
  49. Ivo Zell, 19 years, Lorch, Germany
  50. Elvis Yihui Zhang, 19 years, San Francisco, California, USA


Download your free ebook to learn more about their visions, passions, talents, and abilities in the following link.

Monday, 29 November 2021 10:25

Who Am I? & 6 Basic Questions

Who Am I?

This is a fundamental question to ask yourself if you want to be successful in life and business. After asking yourself, you must accept your identity and go for it. Discovering who you are is a vital determinant of your success. If you do not know who you are, you might not make a difference. The six basic questions will guide you to discover your nature, infinite purpose, passion, potential, talent, traits, and abilities. 


1. What is My Life Purpose?

Ask “Who am I” to discover your life purpose. Life purpose is an infinite purpose for your existence. It is possible to make a difference if you understand your life purpose.

Success means living your life purpose.

Success means making a difference.

Success means touching people’s life.

..........“Never forget that you are one of a kind. Never forget that if there weren't any need for you in all your uniqueness to be on this earth, you wouldn't be here in the first place. And never forget, no matter how overwhelming life's challenges and problems seem to be, that one person can make a difference in the world. In fact, it is always because of one person that all the changes that matter in the world come about. So be that one person.”

Buckminster Fuller, Author of Operating Manual for Spaceship Earth.

Success is the happiness you feel when you touch others' lives or solve problems in society. When you invest in living your life purpose, you make the world a lovely and better place. Touching peoples' lives create more happiness with no stress.

2. What is my Dream?

Ask yourself, “Who am I” to discover what you have to accomplish to make a difference. Dream and vision is life compass. It guides you on what to do, how to do it, and when to do it. Dr. Myles Munroe said the poorest man in the world is the one who does not have a vision. You should have a clear dream and vision to be successful in life.

........."A dream is an inspiring picture of the future that energizes your mind, will, and emotions, empowering you to do everything you can to achieve it.” 

John Maxwell, Leadership Expert, Speaker & Author

The dream is the road map in your life. It helps you understand things you want to accomplish to make the world better.  A dream must make a difference. Otherwise, it is not a dream.

3. What is my Vision?

The vision is the implementation roadmap of your dream. It translates a dream into a plan presenting goals, targets, key performance indicators, activities, and a time frame for implementation.

Therefore, your vision is your dream in a plan. Once you put the dream into a plan, it becomes your vision.

4. What is My Talent?

Talent is the unique ability in you that makes you do better naturally. It is something that you do the best and effortlessly. The architect of talent and success operates like the north and south poles of the magnet. They attract each other because it works like that naturally. You attract success by using your talent because it is the area that you do the best. 

..........“You have a unique talent and a unique way of expressing it. There is something that you can do better than anyone else in the whole world, and for every unique talent and unique expression of that talent, there are also unique needs. When these needs are matched with the creative expression of your talent, that is the spark that creates affluence. Expressing your talents to fulfill needs creates unlimited wealth and abundance.”

 Deepak Chopra, MD, Author of Metahuman: Unleashing Your Infinite Potential Hardcover

5. What is my Passion?

Ask yourself, “Who am I” to discover your passion. Passion is a very powerful feeling, for example of sexual attraction, love, hate, anger, or other emotion. 

Discover what you love to do. 

What do you feel good when doing?

.........“People will forget what you said. People will forget what you did, but people will never forget how you made them feel”

Maya Angelou, An American Poet, Memoirist, and Civil Rights Activist.

Ask yourself, “What am I passionate about?” Find within you what you love to do? What do you feel good about when you do?

 6. What is my Core Genius?

Core genius is the area or activities in your life that you love to do and you do the best.

Ask yourself, “Who am I” to discover your Core Genius. Discover your Core Genius or activities you love to do, and you do best.

.........“I believe you have inside you a core genius… someone thing that you love to do and do so well, that you hardly feel like doing anything else. It’s effortless for you and a whole lot of fun. And if you could make money doing it, you’d make it your life’s work.”

Jack Canfield, Author of the Success Principles & Co-creator of the Chicken Soup of the Soul. 

Core Genius is a potential area of focus for anyone who wants to be successful. The core genius area carries your passion and unique ability that makes you do the best and effortlessly.



The attached ebook presents more questions extracted from the basic six questions of Who Am I?

Download in the following link



  1. D-Prize

  2. Draper Richards Kaplan Foundation

  3. Global Innovation Fund

  4. Global Philanthropy Alliance

  5. Roddenberry Foundation



  1. Associated Country Women of the World

  2. AusAID

  3. Bel Foundation

  4. Belgian Development Cooperation

  5. Bill & Melinda Gates Foundation

  6. Canadian International Food Security Research Fund

  7. Conservation, Food, and Health Foundation

  8. Dutch Ministry of Economic Affairs: Netherlands Enterprise Agency

  9. European Commission: EuropeAid

  10. Food and Agriculture Organization of the United Nations

  11. Fruit Tree Planting Foundation

  12. Japan Fund for Global Environment

  13. Monsanto Fund

  14. NextWorldNow Community Investments

  15. Purely OverSeas Trust

  16. Roncalli International Foundation

  17. Seed Foundation

  18. Swedish International Development Agency

  19. Swiss Agency for Development and Cooperation

  20. United Kingdom Department for International Development

  21. World Bank



  1. Adobe Event Sponsorship Program

  2. Air France Corporate Foundation

  3. Anadarko Petroleum Corporate Giving Program

  4. Arab Gulf Program for Development (AGFUND)

  5. atDta Foundation

  6. AusAID

  7. Austrian Development Agency

  8. Belgian Development Cooperation

  9. Better World Books Literacy and Education in Action Program (LEAP)

  10. Boeing Company Corporate Giving Program

  11. Brother’s Brother Foundation

  12. Cargill Corporate Contributions Program

  13. Coca-Cola Foundation

  14. ConocoPhillips Corporate Contributions Program

  15. Danish Mission Council Development Department

  16. Dow Chemical Company Foundation

  17. Drosos Foundation

  18. Dr. Scholl Foundation

  19. Dubai Cares

  20. DuPont Pioneer Giving Program

  21. Eaton Charitable Fund

  22. Finnish Ministry for Foreign Affairs

  23. Fluor Corporation Contributions Program/Fluor Foundation

  24. Fondation d’entreprise Hermès

  25. Ford Foundation

  26. French Development Agency

  27. GDF SUEZ Foundation

  28. Global Fund for Women

  29. Hilden Charitable Fund

  30. Hivos

  31. Husky Corporate Social Responsibility Program

  32. Irish Aid

  33. Jephcott Charitable Trust

  34. King Faisal Foundation

  35. Michael and Susan Dell Foundation

  36. New Zealand Aid Programme

  37. Nippon Foundation

  38. Norwegian Agency for Development Cooperation (Norad)

  39. Open Society Foundations

  40. Purely OverSeas Trust

  41. Qualcomm Corporate Giving

  42. Robert Bosch Stiftung

  43. Roche Corporate Giving Program

  44. Spanish Agency for International Development Cooperation

  45. Swedish International Development Agency

  46. Swiss Agency for Development and Cooperation

  47. UBS Optimus Foundation

  48. UNFCU Foundation

  49. United Kingdom Department for International Development

  50. Virginia Gildersleeve International Fund (VGIF)



  1. African Bird Club

  2. Blue Action Fund

  3. Club300 Bird Protection

  4. Crowder-Messersmith Fund

  5. Disney Worldwide Conservation Fund

  6. International Elephant Foundation

  7. Save Our Species

  8. SeaWorld & Busch Gardens Conservation Fund 

  9. Sophie Danforth Conservation Biology Fund




  1. Abilis Foundation

  2. Air France Foundation

  3. Disability Rights Fund

  4. Karl Kahane Foundation (KKF)




  1. Africa Climate Change Fund

  2. Alcoa Foundation

  3. Coca-Cola Foundation

  4. Critical Ecosystem Partnership Fund

  5. Global Environment Facility: Small Grants Programme

  6. Jack Kimmel International Grant Program

  7. Lush Charity Pot

  8. Minor Foundation for Major Challenges

  9. Rainforest Fund

  10. Wallace Global Fund



  1. African Women’s Development Fund

  2. Bill & Melinda Gates Foundation

  3. Bristol-Myers Squibb Foundation

  4. Cigna Foundation: World of Difference Grants

  5. Elizabeth Taylor AIDS Foundation (Malawi)

  6. Elton John AIDS Foundation

  7. Fondation Mérieux

  8. Ford Foundation

  9. Foundation for the National Institutes of Health

  10. Hear the World Foundation

  11. Irish Aid

  12. Open Society Initiative for Southern Africa

  13. Robert Carr Civil Society Networks Fund

  14. Stephen Lewis Foundation

  15. UHAI: The East African Sexual Health and Rights Initiative

  16. U.K. Department for International Development

  17. United States Agency for International Development

  18. ViiV Healthcare

  19. Y+



  1. Abilis Foundation

  2. Akiba Uhaki Foundation (restricted to Uganda, Rwanda, Burundi and Tanzania)

  3. Arab Human Rights Fund (restricted to the 22 member countries of the Arab League)

  4. Disability Rights Fund

  5. The Fund to End Violence Against Children

  6. Global Fund for Children

  7. Lush Charity Pot

  8. The Other Foundation

  9. Rainforest Fund

  10. Virginia Gildersleeve International Fund (VGIF)




  1. ABILIS Foundation

  2. Action for World Solidarity

  3. African Women's Development Fund

  4. Alexia Foundation for World Peace

  5. Amplify Change

  6. Arab Gulf Program for Development (AGFUND)

  7. Arthur B. Schultz Foundation

  8. Associated Country Women of the World

  9. AusAID

  10. Austrian Development Agency

  11. Belgian Development Cooperation

  12. Coca-Cola Foundation

  13. Commonwealth Foundation

  14. COMO Foundation

  15. Danida

  16. Danish Mission Council Development Department

  17. David and Lucile Packard Foundation

  18. Dining for Women

  19. Finnish Ministry for Foreign Affairs

  20. Fledgling Fund

  21. Ford Foundation

  22. FRIDA | The Young Feminist Fund

  23. Global Fund for Women

  24. Hilden Charitable Fund

  25. Hivos

  26. Indigenous Women’s Fund

  27. Irish Aid

  28. Jacob and Hilda Blaustein Foundation

  29. Karl Kahane Foundation (KKF)

  30. KIOS

  31. Maypole Fund

  32. Norwegian Human Rights Fund

  33. Open Meadows Foundation

  34. Open Society Foundations

  35. Pro Victimis Foundation

  36. Sexual Violence Research Initiative

  37. Spanish Agency for International Development Cooperation

  38. Swedish International Development Agency

  39. UN Women: UN Trust Fund to End Violence Against Women

  40. UNFCU Foundation

  41. United Nations Democracy Fund

  42. Urgent Action Fund

  43. Virginia Gildersleeve International Fund

  44. Wallace Global Fund

  45. Women of the Evangelical Lutheran Church in America



According to CB Insights, in 2020, the Fintech 250 cohort has raised approximately $49.2B in aggregate funding across 900 deals since 2015. The Fintech 250 includes Startups at different investment stages of development, from early-stage companies to well-funded Unicorns. The following chart presents the distribution of the top 250 Fintech ventures around the world.


Top 250 Fintech Distribution by Percentage 

About 54% came from the United States of America, 15% from the United Kingdom, and 8% from India. About 3% of Fintech Ventures each came from France, Canada, and German.  About 2% came from Brazil and 2% from Sweden.  Other countries include China, Singapore, Australia, Indonesia, Nigeria, Argentina, Belgium, Greece, Ireland, Israel, Italy, Japan, Malta, Mexico, Netherlands, South Africa, and Vietnam; each has less than 2%.


Expert Advice

The United States of America has novel information in building heath and potential ventures. Fintech ventures from other countries like Tanzania, Nigeria, South Africa, and others have to seek novel information through partnerships and collaboration with Fintech ventures from the United States of America and the United Kingdom. This might be the best way to influence more health and potential Fintech ventures around the world.



The Top 250 Fintech Ventures By Continent

About 59% of 2020, Fintech 250 ventures came from North America, 24% from Europe, 12% from Asia, 3% from South America, 1% from Africa, and 1% from Australia.  


Expert Advice

Based on the total population and market size of Asia, South America, and Africa continents, more investments are needed to build health and potential Fintech ventures.   



Top 250 Fintech Ventures By Continent per Country




Number of Ventures



South Africa








Number of Ventures





















Number of Ventures

United Kingdom

























Number of Ventures

United States











Number of Ventures











Number of Ventures






The Future of travel and tourism in the wake of COVID 19 by WTTC, 2020, shows that the world has and continues to suffer sizeable losses and setbacks due to COVID-19. Not least among those setbacks is the shock to the Travel & Tourism sector.

  • 90% of the global population adjusted to life under travel restrictions and others stayed home in fear of the virus itself, the sector came to a near-total standstill.
  • The Communities, large and small, depending on tourism and travel shouldering the burden of zero revenues, and millions have been furloughed or laid off within a few short months.
  • More than 121 million global Travel & Tourism jobs and an estimated US$3.4 trillion in global GDP could be lost as a result of COVID-19


Change in Demand

  • Traveler preferences and behaviors have shifted toward the familiar, predictable, and trusted.
  • Domestic and regional vacations and the outdoors will reign in the short-term, with tourism businesses and destinations already adapting.


Health & Hygiene 

  • Health and safety are paramount in this new era. Personal experiences, advice from experts, and concerns for distancing will guide consumer behavior in the short- to mid-term.


Innovation & Digitisation 

  • Digital adoption and consumption are on the rise, with consumers now expecting contactless technologies, including biometrics among others, as a basic prerequisite for a safe and seamless travel experience.
  • Cybersecurity is only becoming more important, particularly as remote work becomes the norm in the short to medium term and as identities are digitized.




The following are Opportunities for Entrepreneurs to build their Startups and reshape the tourism sector.




1. The Domestic & Regional Rebirth

The research found that about 77% of Chinese travelers favoring domestic travel within three months after the peak of the crisis. 71% of Americans looking at domestic locations.


What innovators need to do to boost domestic and regional tourism and travel?

Build innovative product which will facilitate domestic and regional tourism and travel


2. Appetite for Risk 

A traveler survey found that the “fear of exposing others” was the top concern for 39% of travelers in the UK and 31% in France.


What innovators need to do to address risk issues in domestic, regional, and international tourism and travel?

Build innovative product which will allow users to share risk places and things to do for each destination.


3. Contactless Convenience & automation

As new business models emerge to adapt to the changing market needs, the sector will focus on “automating the predictable so it can humanize the exceptional” according to Matthew Upchurch, Chairman & CEO of Virtuoso


What kind of Startups needed?

Building Startups to facilitate contactless or automation delivery of Tourism and travel services.

For example: 

  • Payment service: The Tourism sector need products which will facilitate cashless payment
  • Check-in or check out: The Tourism sector need products which will facilitate contactless check-in & check out.





1. Acceleration of Digitisation 

Thinking about the airport of the future, Paul Griffiths, CEO of Dubai Airports, noted that a distributed airport experience with travelers getting into pods as they go through necessary checks may be developed in the future, and effectively reducing the number of travelers touchpoints.


What kind of Startups needed?

Building Startups to automate services across the traveler journey including the integration of connected rooms, contactless check-in, digital car keys, and delivery robots, among other technologies.


2. The Rise of Virtual 

Tourism Businesses and destinations alike will continue to adapt to the changing times, even offering virtual experiences as they work to re-inspire wanderlust in travelers and restart the sector.


What kind of Startups needed?

Building Startups to facilitate virtual tourism. Entrepreneurs can partner with tour operators to execute this startup.


3. Threat Prevention 

With the rise of remote work and the use of remote connections, businesses will prioritize the protection of consumer data accordingly and guard against major data breaches at a time when trust is paramount. According to Paul Griffiths, CEO of Dubai Airports, “defense and investment against cyberattacks need to intensify irrespective of COVID-19”. 


What kind of Startups needed?

Building Startups to support cybersecurity to protect the business from cyber-attacks.

About the AFCIA

The Adaptation Fund has launched a new USD 10 million pilot small grants programme (Adaptation Fund Climate Innovation Accelerator, AFCIA) to foster innovation in adaptation in developing countries at the United Nations Climate Change Conference (COP25) in Madrid. The AFCIA targets a broad range of potential finance recipients, including governments, non-governmental organisations, community groups, young innovators and other vulnerable groups.

The AFCIA will provide small grants to developing countries to support innovation for effective, long-term adaptation to climate change and is part of the Adaptation Fund’s Innovation Facility (please click here for more information). Two of the Adaptation Fund’s accredited Multilateral Implementing Entities (MIEs), the United Nations Environment Programme (UNEP) and the United Nations Development Programme (UNDP), receive USD 5 million each to administer and aggregate a project of small grants (up to USD 250,000 each). The Climate Technology Centre and Network (CTCN), which is the operational arm of the United Nations Framework Convention on Climate Change (UNFCCC) Technology Mechanism, works in conjunction with UNEP as an executing entity in the AFCIA.


Who can Apply?

•    (UNDP) The programme is open to Not-for-profit, Civil Society Organisations (CSOs) including Non-Governmental Organisations (NGOs), Business Member Association (BMO), other Association, Cooperative, Community Based Organizations registered in a developing country.

•    (UNEP-CTCN) The eligible countries in the programme include Non-Annex I Parties in Africa, Asia-Pacific and Latin America and Caribbean under the UNFCCC that do not have National Implementing Entities (NIEs) accredited with the Adaptation Fund (114 countries in total as of 26 June 2020). 


When to Apply?

•    UNDP - The first call for proposals will be open in late November, first stage of application deadline is 18th of December, and final grantees will be selected in early January. The first cycle of projects will be implemented for two years from December 2020 to December 2022. The second call for proposals will be in late 2022 for another two-year project cycle.

•    UNEP-CTCN - There will be three-time opportunities to submit an application (technology concept) to UNEP-CTCN. The first, second and third calls for application submission are planned to be open in November 2020, February 2021 and February 2022, respectively. 


Where to Apply?

All applicants can submit their application via programme webpages. The applicants can download an application form or submit their application online.


Apply Now


About the Funding 

The Tony Elumelu Foundation (TEF) is now open for African entrepreneurs. The priorities for 2021 is the economic recovery of small and medium scale enterprises (SMEs) and young African entrepreneurs, following the Covid-19 disruption to economic activities.



For-profit organization and entrepreneurs






March 31 to apply for the seventh edition of the program

Apply Now



RDNPlatform Funding Application Support

Do you need support to submit your applications?

Get in touch with us

We provide the following services under RDNplatform funding application support

  1. Amplifying funding opportunities to reach more people and support them with applications. 
  2. Assist in crafting winning proposals and concept notes
  3. Advisory on the best funding practices and application
  4. Linking partners with funding sources
  5. Bridging the language barrier by assisting people with rational ideas with different language backgrounds
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