Η Deutsche Bank αναλύει το τραπεζικό μέλλον σε έναν Blockchain p2p κόσμο συναλλαγών
Νέα ανάρτηση στην επίσημη ιστοσελίδα της Deutsche Bank αναλύει το μέλλον του τραπεζικού συστήματος στην νέα ψηφιακή εποχή των p2p συναλλαγών και των Blockchain αποκεντρωμένων συστημάτων.
Debate over blockchain technology is raging in many online and offline media at present. In principle, the technology constitutes a decentralised ledger system that can be coordinated via peer-to-peer (P2P) networks. Any ownership or security issues arising in connection with the decentralised transactions conducted across the ledger system are handled by P2P mechanisms as well, i.e. also without a central node. Ownership status is established via the digital exchange of cryptographic keys (public vs private), while fraudulent transactions can largely be ruled out with the help of the cryptographic “proof of work” system. Using a proof of work, blockchain technology enables the rapid, inexpensive transfer of assets and financial products between individuals who neither know nor trust one another, without a compelling need for an intermediary to reduce existing information asymmetries.
Probably the best-known example of the P2P technology in application is Bitcoin, the cryptocurrency that is equally controversial. Incidentally, cryptocurrencies differ from conventional currencies in that the value of the currency is not guaranteed by law or an institution, but instead by trust in the underlying technology. However, the blockchain technology behind Bitcoin has much more to offer than a mere cryptocurrency. For example, discussions also involve standardised, fully automated and/or programmable agreements, referred to as smart contracts, that can be processed via the P2P network – bypassing intermediaries, national borders and, at present, even regulators. At least this was the idea originally espoused by the mysterious programmer Satoshi Nakamoto who initiated the first Bitcoin transaction in the P2P network in 2009. And thanks to the log of the entire string of transaction chains, it continues to be verifiable.
Η Deutsche Bank αναλύει όλα τα θετικά σημεία της νέας αυτής τεχνολογίας και την δυναμική που έχει αναπτύξει στο να αντικαταστήσει το υπάρχον παραδοσιακό τραπεζικό σύστημα και να περιορίσει δραστικά την λειτουργία του. Η γερμανική τράπεζα θεωρεί ότι η καλύτερη λύση είναι η μελέτη της νέας αυτής τεχνολογίας και η άμεση προσαρμογή και υιοθέτηση της από το υπάρχον τραπεζικό σύστημα. Θεωρεί ότι ακόμα οι τράπεζες έχουν το πλεονέκτημα της εμπιστοσύνης και γιαυτό τον λόγο θα μπορούσαν να δημιουργήσουν ένα ιδιόκτητο blockchain σύστημα συναλλαγών διατηρώντας όλα τα πλεονεκτήματα της τεχνολογίας.
Blockchain technology is one of the first truly disruptive ideas from the fintech sector. After all, pure blockchain theory says that not only will individual business divisions of traditional banks become redundant in future, but there could also be a real paradigm shift in the prevailing financial system, because many intermediary services could be replaced by a P2P network.
Hence, traditional banks now need to focus in particular on timely analysis of these new technological challenges and on development of potential (collaboration) strategies in order to reclaim a more active role in the competitive race to innovate. One result of the planned potential analyses could be that financial institutions attempt to defend their business models by implementing certain parts of the blockchain technology for their own purposes and in their own IT environment, naturally without the peer-to-peer aspect.
Thus, it is entirely conceivable that banks could, for instance, set up a new digital booking and clearing system amongst themselves enabling them to offer client transactions featuring the benefits of the blockchain, such as speed, efficiency, internationality and cost savings. Since the banks most likely trust each other more so than the anonymous peers, a new, modern clearing system would probably in fact be even cheaper and more efficient than the blockchain, because the energy-hungry “proof of work” (“mining” at Bitcoin) would be made redundan
Τέλος το άρθρο κλείνει με την άποψη ότι το χρηματοπιστωτικό σύστημα έχει ακόμα αρκετό χρόνο να μελετήσει αυτή την νέα τεχνολογία καθώς το Blockchain και Bitcoin σύστημα βρίσκονται ακόμα σε νηπιακό στάδιο.
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