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德勤:银行和金融机构须携手推动区块链商业化

过去几年中,许多大型咨询公司都对区块链持乐观态度,德勤也是其中之一。在12月发布的年度报告中德勤表示,银行和金融机构必须组成联盟,以推动区块链技术的实施和商业化。

德勤负责人Eric Piscini在接受采访时表示,公司正专注于开发和建立对区块链实施阶段进行优化的联盟或合作项目。

这项技术仍面临许多困难,为了对监管纠纷等复杂问题提供解决方案,业内主要公司必须聚集在一起来推动合作项目的开展。

Piscini说:

“2017年,行业联盟对于大规模实现区块链价值、保持行业对区块链的关注度至关重要。目前整个行业中已经成立了20多个联盟,我们正在走向成功。”

联盟的必要性

关于联盟的必要性尚有争议。R3联盟曾在不久前宣布,计划新一轮融资1.5亿美元以维持2017年运营。由于联盟未能提供任何关于该技术的商业实施,包括摩根大通和高盛在内的主要银行纷纷宣布退出。

最值得注意的是,由于缺少对密码学的理解,原本作为R3CEV主要项目的R3 Corda,受到了来自Peter Todd等专家的强烈批评。

然而,德勤仍然坚信,联盟的出现对于技术的发展和得到主流采用都至关重要。

Piscini还指出,联盟的形成使初创公司能够与大型公司(如金融机构和银行集团)一起测试其区块链技术和平台。

Piscini说,如果不能对独立的区块链系统的能力进行彻底调查和评估,该技术的价值将受到限制。

他补充道:

“较小的联盟很重要,原因很简单:如果你只是独自发展区块链,那么价值就是非常有限的。首先,需要吸纳一小部分主要参与者,我们称之为‘最小可行生态系统’。这些参与者需要能表示所有关键功能。金融机构、技术公司、监管机构和咨询公司就是这些参与者,他们使关键功能成为现实。”

Deloitte, one of the many multi-bln dollar research firms that have expressed optimism towards Blockchain over the past few years, stated in an annual report released in December that banks and financial institutions must form consortiums in order to pursue the implementation and commercialization of Blockchain technology.

Eric Piscini, a principal with Deloitte, stated in an interview that the company is focused on the development and establishment of consortiums or collaborative projects that could optimize the implementation phase of Blockchain.

There exist numerous conflicts the technology will have to deal with and in order to provide solutions for complex issues, such as regulatory disputes, major firms must come together to produce collaborative projects.

Piscini stated:

“Industry consortia will be critical to unlocking mass-scale value and keeping Blockchain relevant in 2017. With more than 20 consortia in place already, we are on our way to success.”

Necessity of consortiums

The necessity of consortiums is debatable. This year, the R3 consortium announced its plans to secure a $150 mln funding round to continue its operations throughout 2017. Major banks including JPMorgan and Goldman Sachs announced their leave from the group after the organization failed to provide any commercial implementation of their technology.

Most notably, the R3 Corda, the supposed master project of R3CEV, was heavily criticized by experts including Peter Todd for lack of cryptographic understanding.

Yet, Deloitte’s Piscini still firmly believes that the emergence of consortiums is crucial for the development of the technology and its mainstream adoption.

Piscini also noted that the formation of consortiums enables startups to test their Blockchain technologies and platforms with large-scale corporations, such as financial institutions and banking groups.

Without thorough investigation and evaluation of independent Blockchain-based system’s capabilities, Piscini stated that the value of the technology will become limited.

He added:

“Smaller consortia are critical for one simple reason: If you are on your own in Blockchain, the value is extremely limited. They need to include a small subset of key players at first, what we call the ‘minimal viable ecosystem.’ These players need to represent all key functions and be represented by financial institutions, technology companies, regulators and consultancies to make them real.”

GELP

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