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75家跨国银行参与摩根大通区块链支付平台

据《金融时报》9月25日报道,已有超过75家跨国银行加入了摩根大通的区块链支付平台,它们希望联合起来抵御银行业以外的竞争。

分析师Jason Goldberg在接受《金融时报》采访时表示,摩根大通自2017年10月起在自己的以太坊区块链网络Quorum上开发银行间支付平台——“银行间信息网络”(IIN),现在该平台已经取得了一些进展。

目前,法国兴业银行和西班牙桑坦德银行希望采用该平台。该平台允许银行共享支付信息并能加速处理有问题的交易。

平台借助可靠、透明的信息处理交易,提高交易速度,让银行具备与专门处理跨境支付的新兴私营部门竞争的实力。

Goldberg认为:

与非银行领域竞争中,支付是银行最担心的一个细分市场。而区块链技术将让银行继续保有更多的支付业务。

虽然摩根大通一直厌恶加密货币的风险,但是区块链仍然是其创新驱动力的核心焦点。今年8月,该公司全球首席信息官(CIO)Lori Beer预测区块链将在“几年内替代现有技术”。

4月,摩根大通开始与高盛、辉瑞制药和加拿大国家银行等合作伙伴一起测试银行间信息网络平台。

JPMorgan has expanded its blockchain payment platform to over 75 multinational banks. The goal of the participants’ combined efforts is to fight off competition from outside of the banking sector, Financial Times reports September 25.

Speaking to the publication, analyst Jason Goldberg said the Interbank Information Network (IIN), under development since October 2017 on JPMorgan’s own Quorum blockchain, was already seeing progress.

Now, Societe Generale and Santander are among the major institutions looking to adopt the platform, which allows banks to share payment information and speed up problematic transactions.

By resolving problems through transparency of reliable information, banks can compete with the emerging private sector dedicated to processing cross-border payments faster than they traditionally can.

“Payment is one of the segments banks worry most about in terms of ceding to non-bank competition,” Goldberg said.

“Blockchain is a way to keep more of that (payments business) in-house.”

JPMorgan is famously risk-averse on the topic of cryptocurrency, with blockchain nonetheless forming a central focus of its innovation drive. In August, the company’s CIO Lori Beer forecast that blockchain would “replace existing technology” within a matter of “a few years.”

JPMorgan began testing the IIN in April with partners including Goldman Sachs, Pfizer Inc and the National Bank of Canada.


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