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摩根大通CEO:正在测试并尝试扩大应用区块链技术

近日,摩根大通的CEO Jamie Dimon近日公开表示看好区块链技术,但却未对加密货币做出任何发言。此外,他称法定货币支付APP,如支付宝 、PayPal这样的新型支付方式是“我们业务最大的潜在颠覆”。

当谈到他对加密货币的看法时,Dimon只是简单的回答道:“我也许不该再谈论比特币了”。他表示,比特币与黄金和法定货币不同,黄金和法定货币是有法律和法庭支持的,且有完善的监管体系。但区块链技术是“真实的”,摩根大通正在“测试它,并将把它用于很多事情上”。此前,Jamie Dimon曾公开表示比特币是骗局,且并不想成为比特币代言人。

尽管摩根大通公司在关于加密货币问题上的立场和Dimon的观点并不总是一致,但两者都在过去的一年中发生了变化。据了解,Jamie Dimon在2017年9月13日曾炮轰比特币,还将其称作是一种“欺诈”,并且任何交易这种加密货币的摩根大通雇员都是“愚蠢”的,并将遭到公司解雇。

就在今年2月4日,摩根大通就曾宣布禁止用户使用信用卡购买加密货币。与此同时,摩根大通在2月13日发布了一份长达71页的加密货币研究报告,该报告指出,加密货币在未来可以帮助投资者实现股票和债券投资组合的多元化。

然而,在过去的几个月里,摩根大通以及Dimon都公开的表示了看好区块链技术,该银行甚至在5月3日就使用区块链技术进行跨境支付的系统和方法提交了专利申请。该专利描述了在分布式账本网络上路由支付的各种方式,赞扬了区块链技术可实现的速度、安全性和效率。

此外, 5月18日报道的一份报道显示,摩根大通宣布任命29岁的奥利弗哈里斯为数字资产战略负责人。

哈里斯之前是摩根大通的Fintech and In-Residence计划的负责人,他自2015年起担任该职务。他的新任命将会要求他探索在金融机构中使用数字货币,这一任命似乎意味着摩根大通开始更加重视数字货币。

JPMorgan Chase’s Jamie Dimon was bullish on blockchain tech, but shied away from commenting on cryptocurrency, saying fiat payment apps are “the biggest potential disruption to our business” in an interview published in the July-August issue of the Harvard Business Review.

When asked about his company’s chief competitive threat, Dimon, chairman and CEO of JPMorgan Chase — the largest of America’s Big Four banks — singled out what he called “new forms of payment.” Specifically naming PayPal, Venmo and Alipay, Dimon said that “these companies are doing a good job of embedding basic banking services in their chats, their social, their shopping experience.”

While he didn’t mention crypto as a potential disruptor, when he was asked about his view on cryptocurrency in a following question, Dimon simply replied, “I probably shouldn’t say any more about cryptocurrency.” Dimon did argue that crypto is “not the same as gold or fiat currencies,” which are “supported by law, police, courts [...] [are] not replicable, and there are strictures on them.” Dimon also made a point of calling blockchain technology “real,” –– which implying that crypto is not –– saying that JPMorgan is “testing it [blockchain] and will use it for a whole lot of things.”

While JPMorgan’s official position on cryptocurrency and Dimon’s opinion do not always coincide, both have seen a shift over the past year. On Sept. 13, 2017, Dimon reportedly called Bitcoin a “fraud” at an investor’s meeting, along with threatening to fire any employee trading Bitcoin on the company’s accounts.

Somewhat contrary to what Dimon told Harvard Business Review in his recent interview, in an SEC filing on Feb. 27, the bank marked cryptocurrency under the report’s “Competition” subsection, saying it could “put downward pressure on prices and fees for JPMorgan Chase’s products and services or may cause JPMorgan Chase to lose market share.”

In February of this year, a JPMorgan internal report also called cryptocurrencies the “face of the innovative maelstrom around the blockchain technology.”

When speaking with Cointelegraph in Davos in January, Dimon took a stance more similar to what he told Harvard Business review, saying he “can’t answer,” but also claiming he was “not a skeptic.”

In the last few months, however, JPMorgan — and evidently Dimon — have more explicitly come out as bullish on blockchain, with the bank even filing a blockchain-related patent on May 3.

On May 17, JPMorgan announced that they had created and filled a new position of head of crypto assets strategy.

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