最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化区块链国际资讯

阿根廷信用卡企业也要进入区块链时代了

传统金融的互联网化区块链国际资讯

阿根廷信用卡企业也要进入区块链时代了

如今,区块链技术日益进入主流,许多知名企业与行业都在找寻途径以将该技术融入现有机制。金融机构尤为关注如何利用该技术技术促进金融普惠与增长。

例如,万事达近期就申请了公共区块链专利,应用于支付卡验证行程竞价系统。万事达希望可利用公共区块链技术改进ATM与所有商家销售端卡片盗读问题。据了解,每年全球被盗取的金额约为20亿美元。

如今阿根廷最大的信用卡发卡行也加入了万事达的行列。加西利亚金融旗下的Naranja以在阿根廷核发了900万余张信用卡。Naranja不久前与Ripio Credit Network(RCN)签订了谅解备忘录,探索利用区块链技术记录各种信用额度。

Naranja与RCN的试行产品为一项基于委托智能合约的点对点信用网络,拟于2019年第一季度上线。这将使Naranja成为该地区首家计划使用区块链技术的信用卡发行机构。

区块链在新型市场的潜力

Naranja考虑应用区块链技术的意义不仅在于一家大型信用卡核发机构最终计划采用区块链网络。此举应考量的另一层意义在于阿根廷是全球十大新兴市场之一。

新兴市场一般银行渗透率低,金融机构推出某些市场,且个体消费者与小型企业对普惠金融需求强劲。阿根廷等地区商业基础设施与金融业参与者仍欠发达。

因此,新兴市场中18亿人士操纵了10万亿的地下经济,20亿人士未享受银行服务,数十亿人士为本土银行与政府所无视。此外,持有资本的认识仍因效率低下体系造成的高成本而退缩。例如,巴西普通信用卡持有者年利率约为345.8%。

RCN公司首席执行官Sebastian Serrano表示:“RCN与Naranja的合作只是未来多种创新的第一步。这将与两件事尤为相关。第一,值得注意的是拉美大多数人无法享受金融产品。该地区65%以上的人不能获得金融服务,可获得的人士年利率高昂。RCN可降低这一成本,打造普惠金融,影响我国经济并提升全球数百万人士的生活水平。

RCN利用区块链技术与智能合约,使用户无论身处世界各地何处均可以低率迅速获取信用,从而加大了全球流动性。RCN采用以太坊区块链智能合约为用户提供“代币化贷款”。

Naranja正与银行合作推出概念验证产品,在区块链上记录贷款,未来该产品还可将贷款代币化,使全球点对点转账更为便宜。例如,某个巴西人需要贷款,资金可能由中国人提供。RCN使用区块链技术连结了使用不同货币的各地借款人与放款人。

RCN的CEO Sebastian Serrano说道:“我们相信区块链技术具备提升传统金融服务,尤其是新兴市场传统金融服务的能力。我们对此可能性感到十分振奋,迫切渴望开始将其应用于阿根廷市场。”

As blockchain technology continues to make its way into the mainstream, a number of established companies and industries are looking at ways to integrate it into existing infrastructures. Financial institutions in particular are interested in leveraging blockchain technology to boost inclusion and growth.

For example, MasterCard recently applied for patents to use a public blockchain for payment card validation and a travel itinerary bidding system. The major credit card issuer hopes to utilize a public blockchain to potentially improve the issue of card skimming at ATMs and point-of-sale across all providers, which amounts to about $2 billion stolen per year globally.

And now joining the ranks of MasterCard is one of the biggest credit card issuers in Argentina. Naranja, which is part of Grupo Financiero Galicia, has issued over 9 million credit cards in Argentina. Naranja has just signed a memorandum of understanding (MOU) with Ripio Credit Network (RCN) to explore the possibility of using blockchain technology to record different credit lines.

Pilots for the partnership with Naranja and RCN, a global peer-to-peer credit network based on consigned smart contracts, are expected to launch during Q1 of 2019. This will make Naranja the first credit card company in the region planning to use blockchain technology.

“At Naranja, we always want to innovate. That’s actually part of our mission. We believe that blockchain technology can provide wider and better financial inclusion, and RCN’s proposal fits our particular needs. We’re really excited about the partnership and an upcoming pilot integration,” said Juan Pablo Mon, Naranja's Marketing Manager.

Blockchain’s Potential In Emerging Markets

The application of blockchain technology being considered by Naranja also extends well beyond the fact that a major credit card issuer plans to eventually use a blockchain network. The other point to consider here is that Argentina makes up one of the world’s top 10 emerging markets.

Emerging markets are generally characterized by low banking penetration, the exit of financial players from certain markets, and strong demand for financial inclusion from both individual consumers and small businesses. There are also less-developed business infrastructures and financial sector participants in regions like Argentina.

As a result, 1.8 billion people in emerging markets operate in a $10 trillion underground economy, 2 billion people are unbanked and billions others are turned away by local banks and governments. Moreover, those who have access to capital are still held back by high costs of inefficient systems.  For example, a typical credit-card holder in Brazil faces the equivalent Annual Percentage Rate (APR) of 345.8%.

RCN’s partnership with Naranja is the first step for many other innovations to come. In particular, this will be relevant for two things. First, it’s important to note that most people don’t have access to financial applications in Latin America. More than 65% of people living in the region don’t have access to financial services, and those who do have an expensive APR. RCN can lower the cost of this and create financial inclusion to impact our economy and improve the lives of millions of people globally, said Sebastian Serrano, CEO of Ripio Credit Network (RCN).

Through the use of blockchain technology and smart contracts, RCN is opening up liquidity globally by allowing users located anywhere in the world to access credit fast, with lower interest rates. RCN uses smart contracts on the Ethereum blockchain to provide users with “tokenized loans.”

Naranja is building out a POC that works with banks to register loans on the blockchain, which will include the history and lifecycle of loans. In the future, this will allow for the tokenization of loans, making it easier for transfers to occur globally in a peer-to-peer manner. For example, if someone in Brazil needs access for a loan, the capital could be provided from someone located in China. RCN uses blockchain technology to connect lenders and borrowers anywhere in the world, using any local currency.

“We believe that Blockchain technology has the ability to improve traditional financial services, specifically within emerging markets. We′re really excited with this possibility and eager to start working on an implementation for the Argentinian market,” said Sebastian Serrano, CEO of Ripio Credit Network.


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