Έκθεση της KPMG αναλύει τον ρόλο του Bitcoin στην νέα ψηφιακή εποχή

Έκθεση της εταιρείας επιχειρηματικών συμβουλευτικών υπηρεσιών KPMG με τίτλο The Changing World of Money αναλύει της ριζικές ανατροπές που φέρνει στο παραδοσιακό τραπεζικό σύστημα το Bitcoin με τον κίνδυνο οι τράπεζες αν δεν προσαρμοστούν να χάσουν τον ρόλο τους σε αυτό το νέο ψηφιακό χρηματοπιστωτικό περιβάλλον.

In the last 20 years almost every part of our lives has been transformed. We have experienced two decades of digital revolution. The internet, social media and mobile devices have changed the way we interact with friends and family, the way we buy and consume music, films and television, and the way we read books, newspapers and magazines.

Meanwhile new payment systems and digital currencies mean the way consumers interact with their primary banking provider is changing. As in other markets, new entrants and challengers have begun to transform consumer expectations. Consumers comfortable with a fast and painless mobile and digital retail experience expect banks to offer something similar. Pretty soon the executives at the top of our major retail banks will be looking around and wondering who ate their lunch.

Στην συνέχεια αναλύει τους τομείς που συντελούνται οι μεγαλύτερες αλλαγές στο χρηματοπιστωτικό σύστημα και αναφέρει νέα χρηματοοικονομικά αποκεντρωμένα εργαλεία όπως τον p2p δανεισμό και τα ψηφιακά νομίσματα και τον νέο ρόλο που θα μπορούσαν να διαδραματίσουν οι τράπεζες σε αυτό τον νέο ψηφιακό κόσμο.

Describing Bitcoin as a “giant public ledger in the cloud”1 , Jon Matonis, executive director at the Bitcoin Foundation, claims that there was no reason that the major banks couldn’t tap into the growing demand for the peer-to-peer crypto-currency. “There are opportunities for the banks to become Bitcoin exchanges or to set-up trusted e-wallets. There is no reason these need to be run by teenagers in their basements. There is no history of trust and this is somewhere banks certainly have an advantage. The trust business is the banking business.”

The main retail banks could also look to operate the merchant processing for retail Bitcoin transactions and also set up systems of escrow for those transactions that require such a service. Bitcoin and the burgeoning blockchain economy around it is the major disruption in the world of banking. “You only get real disruption when you change the monetary unit of account and that’s what Bitcoin does.”

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