John Mercurio:区块链加速电子商务 降低信任成本

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嘉宾简介

John Mercurio

Bitfury Group的首席技术官

核心要点

区块链将无缝连接多方电子商务

技术核心:无需集中授权转移资金的能力

区块链加速金融服务业发展

加密货币:无边界交易的入口 风险难以避免

不破不立的监管体系

01

区块链将无缝链接多方电子商务

金融界:您认为未来五年商业服务行业会因为区块链技术的运用会发生哪些变化? 

John Mercurio:我们将看到利用新技术挑战现有大企业的中小型公司不断出现。可能还会看到区块链、物联网、人工智能这几类最棒的新兴技术的各种应用。我们还将看到世界各地越来越多的政府开始采用区块链技术来帮助改善当地公民的服务系统和生活。至于区块链技术对电子商务的影响,区块链可以通过改善供应链管理和智能合约,加速电子商务。例如,区块链技术可以建立新的信任和安全级别,无缝链接各方的电子商务进程。

在接下来的五年中,当我们将这些新技术应用到已建立的流程中,业务运营会发生很多变化。目前。区块链技术正在实施为易于部署和管理的内置云服务。这种转变将使更多企业能够使用该技术,并使其流程对最终客户和合作伙伴透明。这将提高企业的合规性,并有助于在全球业务服务中实现有效数据交换,以及降低审计和控制操作的成本。

02

技术核心:无需集中授权转移资金的能力

金融界:我们知道加密货币是区块链技术最早的应用之一。您是否认为此应用程序完美地反映了区块链技术的特征?区块链技术的其他应用是什么? 

John Mercurio:区块链技术的核心是用户无需集中授权即可将资产相互转移。因此,该专利申请的条件是人们转移资金的能力。其他应用可以在需要安全性,信任和透明度的多方交互时找到。区块链技术能够加速,改进和简化业务实践。现在的IT基础架构非常复杂,并且在多次验证,检查和平衡之后而变慢。当有人将验证,信任和安全性嵌入系统本身时,就成为了游戏规则的改变者。

有潜力的政府和商业可以利用技术使用包括文件验证,政府登记,供应链,采购,金融服务,电子拍卖,数字版权管理,数字身份证,KYC和投票等服务。

03

区块链加速金融服务业发展

金融界:区块链技术将如何影响金融业?区块链是否有可能重塑我们的金融服务业?您认为我们对区块链技术在金融行业的大规模应用有多长时间了? 

John Mercurio:这是可能的,而且它已经发生了。区块链技术已经通过降低交易成本和执行交易所需的时间改善了金融业。它还提高了透明度并简化了审计。我们距离金融行业区块链技术的全面主流应用至少还有几年的时间,但它会发生得非常快。

04

加密货币:无边界交易的入口 风险难以避免

金融界:加密货币交易的有效监管是世界各国政府的共同问题,美国的一些地方最近甚至呼吁禁止加密货币。在您看来,与传统的支付方式相比,加密货币交易的优势和风险是什么?是否需要严格的政府监管? 

John Mercurio:随着监管机构试图理解新技术并立法,一个相对新生的市场,如加密货币,不可避免地会遇到初步痛点。加密货币为分散的无边界交易提供了机会,可以相当迅速地促成交易。数字资产市场挑战现状,并且正在撼动传统的经济标准。当然,传统的监管机构正在努力跟上这个快速发展的行业,并且会找到妥协方案。与传统金融行业一样,在加密货币市场中,不法分子可能还会进行非法活动。我们Bitfury的Crystal区块链分析平台正在努力使加密货币对每个人都透明。

05

不破不立的监管体系

金融界:区块链的数字身份是否会给监管带来困难?您如何看待“区块链时代”的监管? 

John Mercurio:“区块链时代”中的数字身份所带来的挑战仍然存在,但正如逐步引入有效监管一样,有效的KYC流程也将成为Crystal分析的一部分。与加密贸易相关的数字身份为监管机构带来了新的挑战,但它也撼动了一个传统系统。

06

对话实录

JRJ:What changes do you think will take place in business services in the following five years? 

John Mercurio:We will continue to see disruption in small and medium-sized companies that are using new technology to challenge incumbents。 I think we may see applications that implement best aspects of several emerging technologies, including blockchain, IoT, and AI。 We will also see more governments around the world starting to embrace blockchain technology to help improve the systems and services that they offer their citizens。

It has the ability to accelerate e-commerce (both internally and externally)。 By improving supply chain management and smart contracts。 For example, blockchain technology can build new levels of trust and security that will make e-commerce more seamless for all parties。

In the next five years, we should expect a lot of changes in business operations as we implement these new technologies into established processes. Blockchain technology is now being implemented into built-in cloud services that are easy to deploy and manage. Such a transformation will enable more businesses to apply the technology and make their processes transparent for end-customers and partners. This will lead to higher compliance by businesses and help enable effective data exchanges in global business services, as well as lower costs needed for audit and control operations.

JRJ:We understand that cryptocurrency is one of the earliest applications of blockchain technology. Do you think this application perfectly reflects the characteristics of blockchain technology? What are the other applications of blockchain technology? 

John Mercurio:At its core, blockchain technology enables users to transfer assets to one another without a centralized authority. Hence, the ability for people to transfer money is a patent application for this technology. Other applications can be found where there are interactions by multiple parties that require security, trust and transparency. Blockchain technology has the ability to accelerate, improve and simplify business practices. Today’s IT infrastructures are complex, and slowed down by multiple validations, checks, and balances. When you embed verification, trust and security into the systems itself, that’s a game changer.

Promising government and business use cases notably include document verification, governmental registries, supply chain, procurement, finance services, e-auctions, digital rights management, digital ID, KYC and voting.

JRJ:How will blockchain technology affect the financial industry? Is it possible that blockchain will reshape our financial service industry? How long do you think we are from the large-scale application of blockchain technology in the financial industry? 

John Mercurio:It is more than possible; it is already happening. Blockchain technology is already improving the financial industry by lowering transaction costs and the time required to execute transactions. It also increases transparency and simplifies auditing. We are at least a few years away from full or mainstream adoption of blockchain technology across the financial industry, but it is happening very quickly.

JRJ:Effective regulation of cryptocurrency trading is a common problem for governments around the world, with some parts of the United States recently even calling for a ban on cryptocurrencies. In your opinion, what are the advantages and risks of cryptocurrency transactions compared with traditional payment methods? Is strict government regulation necessary? 

John Mercurio:A relatively nascent market such as cryptocurrency inevitably goes through preliminary pain points as regulators try comprehend and legislate new technology. Cryptocurrency offers the opportunity for decentralized, borderless transactions that can occur fairly swiftly. The digital asset market challenges the status quo and is shaking up traditional economic standards. Of course, traditional regulators are working hard to keep up with this fast-developing industry, but a compromise can and will be found. Within the cryptocurrency market, as with every financial avenue, there is a potential for illicit activities by bad actors. Bitfury’s Crystal blockchain analytics platform is doing its part in making cryptocurrency transparent for everyone.

JRJ:Does the digital identity of the blockchain bring difficulties for regulation? What do you think of the regulation in the “blockchain era”? 

John Mercurio:The challenges that come with digital identity in the “blockchain era” are still present, but in the same way that effective regulation is being introduced step-by-step, as will effective KYC processes become a part of Crystal analytics. Digital identities as they relate to crypto trade brings new challenges for regulators, but it also shakes up a system that is stuck in traditional methods and needs to advance. Applying the same old compliance standards to the crypto sphere will not work - such a revolutionary industry needs more tailored regulations. It’s a new sector that’s only just unfolding, and Bitfury’s Crystal analytics platform is and will be a part of that changing standard.

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