Dinis Guarda

Author, influencer, entrepreneur leader in 4IR, AI, Fintech, Digital Transformation and Blockchain


Dinis Guarda is an author, academic, influencer, serial entrepreneur and leader in 4IR, AI, Fintech, digital transformation and Blockchain. With over two decades of experience in international business, C level positions and digital transformation, Dinis has worked with new tech, cryptocurrencies, drive ICOs, regulation, compliance, legal international processes, and has created a bank, and been involved in the inception of some of the top 100 digital currencies.

Dinis has created various companies such as Ztudium tech platform a digital and blockchain startup that created the software Blockimpact (sold to Glance Technologies Inc) and founder and publisher of intelligenthq.com, hedgethink.com, fashionabc.org and tradersdna.com. Dinis is also the co-founder of techabc and citiesabc, a digital transformation platform to empower, guide and index cities through 4IR based technologies like blockchain, AI, IoT, etc.

He has been working with the likes of  UN / UNITAR, UNESCO, European Space Agency, Davos WEF, Philips, Saxo Bank, Mastercard, Barclays and governments all over the world.

He has been a guest lecturer at Copenhagen Business School, Group INSEEC/Monaco University, where he coordinates executive Masters and MBAs.

As an author, Dinis Guarda published the book 4IR: AI, Blockchain, FinTech, IoT, Reinventing a Nation in 2019, among others. His upcoming book, titled 4IR Magna Carta Cities ABC: A tech AI blockchain 4IR Smart Cities Data Research Charter of Liberties for our humanity is due to be published in 2020.

He is ranked as one of the most influential people in Blockchain in the world by Right Relevance as well as being listed in Cointelegraph’s Top People In Blockchain and Rise Global’s The Artificial Intelligence Power 100. He was also listed as one of the 100 B2B Thought Leaders and Influencers to Follow in 2020 by Thinkers360.


Dinis Guarda was born in Portugal. His family is from Portuguese and French background. He has lived in Portugal, France, Sweden and Denmark and is based in London, UK since 2011.

He coursed his BA in Languages and Literature from the Universidade de Lisboa between 1992 and 1997 and achieved a Master in New Media from London South Bank University in 2011. Dinis has lived in Sweden and worked in Denmark prior to moving definitely to London.

Dinis started his professional career back in Portugal in 1997 as the Founder Member for the cultural organisation Número – Arte e Cultura and created the arts and fashion magazine NumeroMagazine between Lisbon and Paris with Didier Fiuza Faustino. Still in Portugal, he collaborated with Alcatel and the Portuguese Government Department of Technology and Development UMIC between 2003 and 2006. He was also involved with the Portuguese government as Curator and Project Manager, for the Portuguese Presidency of Republic in 2006 and 2007.

Moving to London he worked as Strategy Project Manager, Account Manager and Analyst at Greenlight Digital, until 2008. That same year, he became Global Head of Content, SEO and Social media at Saxo Bank until 2011. While he was working at Saxo Bank, he founded one of the world’s first fintech, social trading platforms tradingfloor.com.

In 2011, he founded Ztudium Limited. Ztudium created and manages the technology and AI – blockchain-based FinTech solution blocksdna, the media intelligenthq.com and lifestyle and healthcare platform as a service software lifesdna.

Ztudium features a publishing division that manages intelligenthq.com, hedgethink.com, and tradersdna.com among others.

Between 2014 and 2015 he was involved in creating a fabbanking.com a digital bank between Asia and Africa as Chief Commercial Officer and Marketing Officer.

In 2019, Dinis co-founded:

fashionabc.org, a social impact blockchain fashion directory platform, techabc.org a 4IR – digital transformation blockchain, AI and Fintech fund.

openbusinesscouncil.org, the business B2B wiki directory and search engine – a new financial blockchain AI empowerment platform and fintech marketplace.

In 2020, Dinis Guarda and a team of global industry leaders, academics and experts created citiesabc, a new digital platform that provide solutions, lists, rankings and connections for the world top Cities and populations. citiesabc is based on innovative 4IR digital transformation, Blockchain, AI, smart cities technologies and big data.

Dinis is involved as a strategist, board member and advisor with the payments, lifestyle, blockchain reward community app Glance technologies. For this company he built the blockchain messaging / payment / loyalty software Blockimpact that he sold in 2017. He is an advisor and small shareholder of Hyperloop Transportations project.

He is a shareholder of the Fintech social money transfer app Moneymailme and math edutech gamification children’s app Gozoa.

Academic career

Dinis first passion and specialisation was in literature, arts, poetry and started publishing magazines and books when he was 14 years old. His did his Master in new media, digitisation and transforming knowledge in content, using social media and digital transformation in his studies in London South Bank University. He has been lecturing at Copenhagen Business School, Group INSEEC/Monaco University, where he coordinates executive Masters and MBAs in fintech, social media, blockchain and AI and others for business executives. He has been invited to give guest lecturers at Cambridge University, Harvard University and King’s College.


Dinis has been recognised as a leading global blockchain personality in social media by data analytics report by RightRelevance search engine platform Blockchain (Aug 1 – Sep 20): Twitter Analysis, using the following methodology ‘topical influence’ or Tribes by measuring the quality of network connections within the context of a ‘topic’ and ‘engagement influence’ or Flocks by measuring quality and quantity of engagements (RTs, mentions, replies), reach of tweets etc. within the context of an event or trend. This report highlights his digital presence as number one personality in the world during the time of the study.

Dinis Guarda is listed in various global fintech, blockchain, AI, social media industry top lists as an influencer in position top 5/10/20 within global first 100 rankings as well as being highlighted in some of the lists as Cointelegraph’s Top People In Blockchain, Rise Global’s The Artificial Intelligence Power 100 and he is ranked or listed as one of the most influential people in Blockchain in the world by Right Relevance and as “30 Most Influential People in the Blockchain Space” by Crypto Compare.

Published works, articles and Books

Dinis has published numerous books and articles in publications such as intelligenthq.com, tradersdna.com, hedgethink.com, openbusinesscouncil.org, cityam and many more.

List of books

4IR Book, Publication Date: October 16, 2019, Sold by: Amazon Digital Services LLC, Language: English, ASIN: B07Z816N27, 377 pages.

The Next Tsunami: Blockchain, AI, Cybersecurity and IOT, ztudium /Intelligenthq Editions, upcoming, 300 pages.

“How Businesses and Governments can Prosper with Fintech, Blockchain and AI?”, ztudium /Intelligenthq Editions, 300 pages upcoming.

“Tokenomics and ICOs – How to be good at the new digital world of finance / Crypto”, ztudium /Intelligenthq Editions, 2017.

How To Map Who You Are, ebook, published by ztudium / intelligenthq, Amazon, 2016

Innovating in a Forever Recession, ztudium / Intelligenthq Editions, Amazon, 2016.

Video Art and Art and Essay Film in Portugal, an arts video curatorial Book project, N_Books (numerodna), 2009.

Excess Globalisation and Emotional DisOrders

Portugal: um retrato cinematográfico (Portugal: a cinematographic portrait), N_Books (numerodna), dir. e ed. Nuno Figueiredo, Dinis Guarda ; textos de Eduardo Lourenço, Paulo Filipe Monteiro, Jorge Leitão Ramos… [et al.], Description: 263 p. 21 x 22 cm, ISBN : 9789729770565, 2004.



Mutantes, curated, edited and participation as a writer and artist, N_Books (numerodna), 2004.

Corpo FastForward – Fast Forward Body,  curatorial Book project, editors Dinis Guarda and Joao Urbano, N_Books (numerodna), 2001.


Rahasya: mistério, Graça Sarsfield, Dinis Guarda, Portuguese Presidência da Républica, 2006 – 81 pages, ISBN 9789729579776,

00:00:01, curatorial Book project, editors Dinis Guarda, N_Books (numerodna), 2001.

NumeroMagazine, fashion, arts and culture quarterly magazine, average 100 pages, N_Books (numerodna), 1997-2005.


#RefinitivSocial100 | Top finance influencers 2019 | Refinitiv

The artificial intelligence Power Influencers 

Rise – Top fintech people

Rise – The 100 Most Influential People in FinTech – Dinis Guarda.

Rise – Blockchain Who’s Who – the blockchain power 100

Fintech 2018: Top 100 Influencers and Brands 

Fintech 2016: Top 100 Influencers and Brands 

#Blockchain: Top 100 #Influencers and #Brands

100 B2B Thought Leaders and Influencers to Follow in 2020 by Thinkers360


Academic links as a lecturer:

Guest lecture at Group INSEEC, University of Monaco



Mentor of the Digital Marketing & Social Media Program



Quoted in book

The Cultural Identities of European Cities


Katia Pizzi, ‎Godela Weiss-Sussex – 2010 – ‎Social Science

… part of the almost global wave 1 Quoted in Nuno Figueiredo and Dinis Guarda, Portugal: Um Retrato Cinematografico (Lisbon: Numero – Arte e Cultura, z004)

Media highlights

NEW BOOK 4IR: AI, Blockchain, Fintech, IoT – Reinventing A Nation by Dinis Guarda and Rais Hussin


Book on IR4.0: Embrace it for an inclusive and better society https://theleaders-online.com/book-on-ir4-0-embrace-it-for-an-inclusive-and-better-society/

30 Most Influential People in the Blockchain Space Crypto Compare https://www.cryptocompare.com/coins/guides/30-most-influential-people-in-the-blockchain-space/

The 20 Most Influential Blockchain and Crypto Experts


From Here To Where? Bitcoin And The Future Of Cryptocurrency via @forbes https://www.forbes.com/sites/haroldstark/2017/04/21/from-here-to-where-bitcoin-and-the-future-of-cryptocurrency/#54987b424367

Tech’s Future, AI & Blockchain With Dinis Guarda


4ir AI Blockchain Fintech IOT reinventing a nation by Dinis Guarda


Top People in Blockchain by Cointelegraph


From Blockchain to Bowie, Eno and beyond, the encyclopedic world of Dinis Guarda https://irishtechnews.ie/from-blockchain-to-bowie-eno-and-beyond-the-encyclopedic-world-of-dinis-guarda/  via @irish_technews

Blockchain 5 key concepts


Forget SEO, Think TIO: Total Internet Optimisation


What is Blockchain and how does it affect you?


ICO expert voice – Dinis Guarda, former CEO of Humaniq, $5M ICO, founder Lifesdna


Humaniq: Financial Inclusion Of World’s 2 Billion Unbanked https://www.digitalistmag.com/improving-lives/2017/05/29/humaniq-financial-inclusion-of-worlds-2-billion-unbanked-05111269


Interview with Dinis Guarda by jointo


Exclusive Interview with Humaniq CEO Dinis Guarda, on-millionair-magazine-s-june-2017-issue


Humaniq: Financial Inclusion Of World’s 2 Billion Unbanked https://www.digitalistmag.com/improving-lives/2017/05/29/humaniq-financial-inclusion-of-worlds-2-billion-unbanked-05111269



Ztudium Launches an AI powered Blockchain Operative System


Blockchain Revolution event to feature top influencers and Experts Alex Tapscott Dinis Guarda John Edge During Blockchain Week NY 2018




IntelligentHQ.com, A New Business Intelligence and Innovation Network, Launches in London and Silicon Valley


The launch of Trading Floor, Sala de Inversion and its Search Engine Optimization Strategy