最有看点的互联网金融门户

最有看点的互联网金融门户
区块链国际资讯

Fidelity:区块链应用面临四大挑战

金融服务业巨头Fidelity Investment首席执行官Abigail Johnson表示,作为一种新兴技术,区块链可是说是让人欢喜让人忧。

Fidelity在运用区块链技术和电子货币方面实为先驱:除了和创企Axoni、Boost VC等合作外,其员工餐厅也支持比特币支付。

但所有的“突破性技术”在应用方面都有不少障碍和挑战。

分布式账本技术(区块链)的挑战是什么呢?在不久前召开的2017共识会议上,Johnson提出了她的看法:

技术问题

“我们(金融机构)关心的是规模性、隐私和P2P结算间的平衡。现在似乎这三者无法兼得。”隐私是客户的核心需求,也是Fidelity的投资重点。

坚持对金融机构普及该技术并增进处理过程清晰度将有助于解决这一挑战。

政策挑战

区块链科技的创新速度快到监管者已经跟不上步伐。最近,Fidelity就其员工展开了一项实验:为他们提供一个比特币钱包,然后追踪他们的行为。

Johnson说:“对于新技术,人们会以当下来理解未来。”而这正是实验参与者的做法。“大多数员工一开始默认使用自己已知的思维模型,试着将比特币和他们所熟悉的技术相类比。”

为了追赶上创新的速度,监管者也需要经历同样的过程。“我们需要保护客户利益的方案,所以我们一直与监管者合作,公开对话,并与政策团体如Coin Center保持紧密合作关系。”

控制挑战

像比特币和以太坊这样的网络结构设计之初就没有管理架构。她说:“这是一件很棒的事。但在这些网络结构上开发产品的公司,比如我们就无法知道这些技术的未来发展方向也无法控制。”

她说金融服务行业必须了解区块链技术伴随而来的控制风险。(DAO攻击事件体现了这一点的重要性)。

人的问题

区块链技术通常“在寻找一个问题的时候创造出许多方案。但同时我们忘记了人,这点其实非常重要。我们需要想出对客户和机构有益的使用案例。这个技术不仅需要变得更好,它还要更加用户友善。”

近来,Fidelity要求其一个合伙人利用比特币买一个东西再退回去。“他来到我们的员工餐厅,买了杯饮料,然后想要退回这杯饮料。不巧的是,那天整个网络遭受spam攻击,整个退货过程要几个小时,他就放弃了。”

这一技术还有许多潜力变得更加用户友善,创造优质的客户体验。

Blockchain is a technology that can cause a lot of frustration, but can also create a lot of joy.

That’s according to Abigail Johnson, CEO of financial services giant Fidelity Investments.

Fidelity is making strides in pioneering the adoption of blockchain technology and digital currencies; aside from a number of partnerships in the space (including startup Axoni, and Boost VC), Fidelity has enabled bitcoin payments in its employee cafeteria.

However, just like with every “breakthrough technology,” there are always a number of roadblocks and challenges impending its adoption.

So what are those challenges for decentralized ledger technology? Johnson highlighted the following four during the Consensus 2017 event this morning.

Technology Problem

There are still many questions to be answered about the core technology, but?there is “good progress” being made in this area, she said.

“We [financial institutions] care about the trade off between scalability, privacy, and achieving P2P settlement,” Johnson said. “Today, it seems that you can’t have all three.” Privacy is a core customer need, she added, and is an investment focus for Fidelity.

Continually educating FIs and adding clarity to the processes will, in time, help resolve this challenge.

Policy Challenge

The innovation in blockchain tech is happening fast, and is outpacing regulators’ ability to keep up. Recently, Fidelity ran a study among its employees, giving them all access to a bitcoin wallet, and tracked their behavior.

“With all the new technology, there is a temptation to look at the future, through the lens of the present,” which is exactly what the study participants did, Johnson said. “Most of the employees at first defaulted to a known mental model, trying to compare it with technologies that they are familiar with.”

In order to keep up with the pace of innovation, regulators will need to go through the same process, she added: “We need solutions that protect customer interest, so we continue to work with regulators to have an open dialogue, and we work closely with policy groups, including Coin Center.”

Control Challenge

Networks, like bitcoin and Ethereum, by design have no management structures. “And this is great,” Johnson said. “But companies like ours that build products on top of those networks don’t have clarity about the future track that this might take, and how can we control it.”

Financial services industry needs to understand the control risk that comes with blockchain tech, she added (the notorious DAO hack showed exactly why).

Human Problem

Too often, blockchain tech creates “solutions in search of a problem,” Johnson said.

“We are forgetting the humans, while, and I can’t emphasize this point enough, we need to come up with use cases that drive clear benefits for customers and institutions,” she said. “We don’t just need the technology to be better, we need it to be user-friendly.”

Recently, Fidelity asked one of its associates to make a purchase using bitcoin, and then return the product. “He [the associate] went to our cafeteria, bought a drink, and then went back to return it,” she said. “Coincidentally, the network was being spam attacked that day, so the return was taking hours, and he just gave up.”

There is a lot of opportunity to make this technology user-friendly, and create great customer experiences, Johnson added.


用微信扫描可以分享至好友和朋友圈

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

潘, 妍媛未央编辑团队

77
总文章数

TA还没写个人介绍。。。

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备13049013号-2