Zusammenfassung
Banks, as they exist now, are obsolete and will not exist as we know them in 10 years. Period. Without a doubt. We’ve seen this movie before. Is anyone using Delphi? CompuServe? AOL? What did they have in common? They tried to retrofit the Internet’s HTTP technology into their systems. They tried to force everyone into their closed loopholes. It worked, temporarily. You had a jump in revenues and profit, and then everybody found out you can deal directly with the source. You don’t need them They’re gone. The banking system is trying to do the same thing (Reggie Middleton, CEO of Veritaseum, designing P2P Smart Contracts through blockchain tech & inventor of UltraCoin).
Wie schon oft in diesem Buch aufgezeigt, nutzt die Finanzwirtschaft schon jahrzehntelang Softwaresysteme wie das SWIFT-System, hat es aber bis dato geschafft, sich von der Digitalisierung des Internets abzugrenzen.
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Notes
- 1.
Markttrends und Szenarien hinsichtlich FinTech‐Startups, http://www.av-finance.com/no_cache/geldinstitute/newsdetails-gi/artikel/334/markttrends-und-szenarien-hinsichtlich-fintech-start-ups/ (Abruf: 09.10.2015).
- 2.
https://transferwise.com/ (Abruf: 05.04.2016).
- 3.
http://www.oliverwyman.com/insights/publications/2015/jun/the-fintech-2-0-paper.html (Abruf: 09.10.2015).
- 4.
Cryptomania, http://securities.bnpparibas.com/quintessence/quintessence---2014-summer/cryptomania.html (Abruf: 05.10.2015).
- 5.
„Wir haben 20 bis 25 Anwendungen für die Blockchain identifiziert, verfasst von Christoph Bergmann.“ http://Bitcoinblog.de/2015/06/22/wir-haben-20-bis-25-Anwendungen-fur-die-blockchain-identifiziert/ (Abruf: 02.09.2015).
- 6.
- 7.
Why Nasdaq Is Betting On Bitcoin’s Blockchain, http://www.technologyreview.com/news/539171/why-nasdaq-is-betting-on-Bitcoins-blockchain/ (Abruf: 02.09.2015).
- 8.
- 9.
World Economic Forum Survey Projects Blockchain ‘Tipping Point’ by 2023, http://www.coindesk.com/world-economic-forum-governments-blockchain/ (Abruf: 12.10.2015).
- 10.
- 11.
Santander Bank Ready to Invest in Blockchain Technology? http://www.newsbtc.com/2015/06/22/santander-bank-ready-to-invest-in-blockchain-technology/ (Abruf: 09.10.2015).
- 12.
Western Union ‘Exploring’ Pilot Program with Ripple Labs, http://www.coindesk.com/western-union-pilot-program-ripple-labs/ (Abruf: 09.10.2015).
- 13.
Blockchain – Angriff ist wahrscheinlich die beste Verteidigung (Fintech #2), https://www.dbresearch.de/servlet/reweb2.ReWEB;jsessionid=301A6E00FAFC76FA613A69C03D6D7259.srv-tc2-dbr-de?rwsite=DBR_INTERNET_DE-PROD&rwobj=ReDisplay.Start.class&document=PROD0000000000358989 (Abruf: 03.04.2016).
- 14.
Blockchain initiative backed by 9 large investment banks, http://www.ft.com/intl/cms/s/0/f358ed6c-5ae0-11e5-9846-de406ccb37f2.html#axzz3oB36dGbc (Abruf: 10.10.2015).
- 15.
https://www.linkedin.com/in/robertkbrown (Abruf: 10.10.2015).
- 16.
Blockchains and Banks, https://medium.com/design-matters-4/blockchains-and-banks-cef72f0fcf29 (Abruf: 10.10.2015).
- 17.
https://en.wikipedia.org/wiki/Ripple_(company) (Abruf: 03.04.2016).
- 18.
Jed McCaleb created eDonkey, one of the largest file‐sharing networks of its time, as well as Mt. Gox, the first Bitcoin exchange. In 2011, Jed founded Ripple. Recognizing that the world’s financial infrastructure is broken and that too many people are left without resources, he cofounded Stellar, a universal financial network that aims to increase economic participation for all individuals, in 2014.
- 19.
The Race to Replace Bitcoin, von Michael Craig am 2. Mai 2015, http://observer.com/2015/02/the-race-to-replace-Bitcoin/ (letzter Abruf: 15.08.2015).
- 20.
Chris Larsen is an American business executive and angel investor best known for co‐founding several Silicon Valley technology startups, including one based on peer to peer lending. In 1996 he co‐founded the online mortgage lender E‐Loan, and during his tenure as CEO E‐Loan became the first company to freely provide consumers’ FICO credit scores. By 2000 E‐Loan’s market value was estimated at $1 billion and Larsen left the company when it was sold to Banco Popular in 2005. In 2006 he co‐founded Prosper Marketplace, the first Peer‐to‐Peer lending marketplace in the United States, and he served as CEO until 2012. [8] Later in 2012 he co‐founded the company Ripple Labs, Inc., which developed Ripple, software that enables the instant and direct transfer of money between two parties. As of 2015, Larsen continues to serve as CEO, übernommen von https://en.wikipedia.org/wiki/Chris_Larsen (Abruf: 15.08.2015).
- 21.
https://de.wikipedia.org/wiki/Ripple_%28XRP%29 (Abruf: 17.10.2015).
- 22.
Coinmarketcap.com, übernommen von https://en.Bitcoin.it/wiki/Jed_McCalebm (letzter Abruf: 15.08.2015).
- 23.
- 24.
- 25.
- 26.
Ripple Releases Interledger to Connect Banks and Blockchains, http://www.coindesk.com/ripple-interledger-connect-bank-blockchain/ (Abruf: 03.04.2016).
- 27.
http://interledger.org/interledger.pdf (Abruf: 03.04.2016).
- 28.
http://diyhpl.us/wiki/transcripts/scalingbitcoin/non-currency-applications/ (Abruf: 25.03.2016).
- 29.
- 30.
Patrick M. Byrne (born 1962, Fort Wayne, Indiana,) is an American entrepreneur, e‐commerce pioneer, CEO and chairman of Overstock.com. In 1999, Byrne launched Overstock. He had previously served shorter terms leading two smaller companies, including one owned by Warren Buffett’s Berkshire Hathaway. [1] In 2002, Byrne took Overstock.com public. Since the initial public offering, the company has since increased its revenue to nearly $2 billion a year, and achieved full profitability in 2009. [2] Beginning in 2005, Byrne become known for his campaign against illegal naked short selling. Byrne and securities regulators maintain illegal naked shorting has been used in violation of securities law to hurt the price of his and other public companies’ stock. [3] Under his direction, Overstock.com has filed two lawsuits alleging improper acts by Wall Street firms, a hedge fund, and an independent research firm. In each case the defendants have settled with Overstock out of court. More recently, Byrne has gained notoriety for his advocacy of cryptocurrencies such as Bitcoin. In January 2014, Overstock.com became the first major online retailer to accept Bitcoin. Übernommen von https://en.wikipedia.org/wiki/Patrick_M._Byrne. (Abruf: 03.10.2015).
- 31.
- 32.
Blythe Masters sits on the Top of blockchain technology startup Digital Asset Holdings, where she became the CEO in March. She spent 27 years at JPMorgan Chase, where she held some leadership positions, most recently as the head of its global commodities unit from 2007 to 2014. She has also been the CFO of its investment bank and held various roles managing credit risk at the megabank.
- 33.
https://de.wikipedia.org/wiki/Blythe_Masters (Abruf: 03.10.2015).
- 34.
Blythe Masters’ Digital Asset Holdings Acquires Hyperledger and Bits of Proof, https://Bitcoinmagazine.com/articles/blythe-masters-digital-asset-holdings-acquires-hyperledger-bits-proof-1435353285 (Abruf: 05.10.2015).
- 35.
Blythe Masters Tells Banks the Blockchain Changes everything, http://www.bloomberg.com/news/features/2015-09-01/blythe-masters-tells-banks-the-blockchain-changes-everything (Abruf: 17.10.2015).
- 36.
http://www.pivit.io/ (Abruf: 19.03.2016).
- 37.
Pivit Raises $5 Mio. with Help of Blythe Masters‐Led Start‐Up, http://blogs.wsj.com/moneybeat/2015/09/09/pivit-raises-5-million-with-help-of-blythe-masters-led-start-up/ (Abruf: 05.10.2015).
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Sixt, E. (2017). Bitcoin und die Finanzindustrie. In: Bitcoins und andere dezentrale Transaktionssysteme. Springer Gabler, Wiesbaden. https://doi.org/10.1007/978-3-658-02844-2_14
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