Uku honua: Ua hala anei mākou i ka Pancake ʻino Mua?

A i ʻole e hana mākou i ka nui? Inā ʻo nā mea a pau mai SWIFT a Visa a Facebook a IBM a Unbounded a hiki iā JP Morgan ke hahai nei iā ia ma nā ala hoʻopilikia maoli, ua kokoke anei mākou i ka ʻala a me ka wela o kahi pane kūpono a puni i kēia manawa?

Ua paʻi ʻo Facebook i nā poʻomanaʻo. hou. ʻO kēia manawa no ka hoʻohui ʻana i nā uku ma kāna mau kahua āpau me Facebook Pay. Hoʻopili ʻia kēlā i nā kuʻekuʻe o Visa e hoʻolaha ana i ka hoʻolaha ʻana o ka ʻoihana ʻo Visa B2B Connect. Makemake ʻo ia e lawe mai i kahi mea e hiki ke kōkua i nā ʻoihana kālā e hoʻoponopono wikiwiki a paʻa i nā uku o nā ʻoihana waiwai nui - a ma ka honua holoʻokoʻa. Hoʻonohonoho ʻia kēia hoʻolaha B2B Connect i 30 mau ala kalepa honua a ke manaʻo nei e hoʻopā i kekahi mau mākeke 90 ma ka hopena o 2019.

E kamaʻilio mākou e pili ana (ma kahi liʻiliʻi) i nā inoa ʻē aʻe (maʻa a me nā mea hou) i ka heihei no ka hoʻoponopono uku honua maikaʻi no kēia makahiki. Akā ʻo kēia ka 2019. ʻO kona huelo-hopena e pololei. Ua hala loa mākou i ka hōʻea ʻana a me ka hauʻoli o blockchain pū kekahi. Ua wela maikaʻi ʻia ka grill i kēia manawa. Ua kani ka ipuhao. A laila, no ke aha mākou e lele nei a puni ka umu?

ʻO ka ʻoiaʻiʻo, ua lōʻihi kā mākou kali ʻana a ua lilo ia i mea maʻamau i kēia manawa.

ʻAina kakahiaka a i ʻole ka ʻaina ahiahi hope

ʻO ka hoʻouna ʻana a me ka loaʻa ʻana o nā uku ma ka honua holoʻokoʻa ua piha mau i ka hakakā, nā puka aniani lōʻihi, ka hoʻomanawanui ʻana o ka ʻōpū hao, nā ʻāpana ʻūhā, nā kaʻina hana waena (a me nā uku hopena), a me nā kiko he nui e lele ai ma mua o ke kani ʻana o kēlā beep. mele ma kekahi wahi.

ʻO kaʻoiaʻiʻo, ke ho'āʻo nei nā mea hou a pau i kēia manawa i ka batter e hoʻoponopono i hoʻokahi a i ʻole kēia mau pilikia. ʻO ka manaʻo e uku wikiwiki, wai, friction-less, party-less, margin-lean a ʻaʻole kekahi mea e hoʻomanaʻo iā ʻoe i ka luna leka kahiko.

No ka mea, i loko o ka honua post-blockchain, paʻakikī ka ʻuā ʻole a me ke kani ʻana inā ʻoi aku ka lōʻihi o kahi mea maʻalahi e like me ka uku. ʻAʻole hiki ke lōʻihi nā lā o kēlā me kēia panakō a me nā pāʻina e hoʻopaneʻe i ke kaʻina uku a me ka unuhi ʻana i ka uku.

He mea maikaʻi paha ka hoʻomanawanui, akā ʻaʻole e hoʻohana nā mea hoʻohana ma ka honua holoʻokoʻa ma kēia wahi - ʻaʻole i ka wā e hoʻolele ai i nā kaʻa, kauoha i nā meaʻai, uku i nā bila a hoʻouna i nā pickles i hana ʻia i ka home ma ka paʻi lima.

E kalai i kela Itch

Mahalo, ʻo SWIFT, a i ʻole Society for Worldwide Interbank Financial Telecommunication, ka mea i noho aliʻi i kēia aupuni o nā uku honua no nā makahiki he nui hauʻoli, ʻaʻole i hoʻopau ʻia, hoʻomaka e ʻike i ka loaʻa ʻana o ka huaʻōlelo 'swift' hou i ka makahiki kikohoʻe. Ua makemake nā mea hoʻohana i kahi wehewehe hou o nā huaʻōlelo e like me ka 'wikiwiki', 'māmā' a me ka 'frictionless'. Pono kekahi e lomilomi i kēia pono nui e puka mai ana.

Hoʻomaka ka nui o nā 'mea' e hōʻea, me kahi SWIFT ala, me kāna GPI ponoʻī (Global Payment Initiative).

Ma ka helu hope loa, 50 pākēneka o nā uku GPI i hoʻopau ʻia i ka poʻe pōmaikaʻi i loko o 30 mau minuke, 40 pākēneka ma lalo o ʻelima mau minuke, he nui i kekona - e like me ka ʻōlelo a SWIFT.

I kēia Mei, ua hui pū ʻo ia me ka European Central Bank (ECB) no kahi hoʻolālā e hoʻonui i ka hiki ʻana o nā uku palena palena koke i ka hohonu o ka mākeke ʻEulopa ma o ka hiki ʻana i ka SWIFT GPI i ka ʻōnaehana TIPS. ʻO ka manaʻo e hoʻopau i nā lohi hope a me nā hakakā.

E nīnau iā Dharmaraj Ramakrishnan, Sr. Director- Banking & Payments, FIS e pili ana i ka hopena o kēia gpi i ka wikiwiki a me ka ʻāpana palekana o ka ʻāina uku honua, a hāʻawi ʻo ia i kēlā SWIFT, me kāna hana GPI, ua pane me ka noʻonoʻo a me ka mākaukau i nā koi a nā mea kūʻai aku. nā manaʻolana.

"Me ka wikiwiki o ka holomua ʻenehana, manaʻo nā mea kūʻai aku e komo i ke kālā i kēlā me kēia manawa a ma nā wahi āpau. Me ka hoʻokomo ʻana o SWIFT - GPI hiki i kekahi ke hoʻokō i nā koi o nā mea kūʻai aku o kēia lā i kahi nui. Loaʻa i ka SWIFT - GPI ka papa hana i hoʻonohonoho maikaʻi ʻia no nā uku palena palena e uhi ana i ka hāʻawi wikiwiki ʻana, ka ʻike maopopo ʻana i ke kumukūʻai a me nā uku, hiki ke ʻike i nā uku, palekana a me ka hoʻokō ʻana i nā lula. SWIFT - Mālama ʻo GPI i ka wikiwiki o nā uku, hiki ke ʻike ʻia ma waena o nā panakō he nui i ka manawa maoli a hāʻawi i ka hōʻoia i ka wā e hōʻaiʻē ʻia ai ka waihona waiwai. Hāʻawi ia i ka hiki ke nānā a loaʻa i ka pili ʻana i ka ʻaelike pae lawelawe (SLAs) a me ka ʻike maʻalahi o nā counterparties.

ʻAʻole ʻo SWIFT wale nō ka mea i lohe i ka pahu. Aia ʻo Ripple. Aia ʻo IBM. A me Moneygram. Aia ʻo JPMorgan pū kekahi, i kāhiko ʻia me ka Interbank Information Network (IIN) e loaʻa koke ana nā inoa hoihoi e like me Deutsche Bank a me 356 mau panakō e hoʻopaʻa inoa ana ma ka paepae mai kona hoʻomaka ʻana i ka makahiki 2017. I ka wā e pili ana i nā kālepa cross-border, makemake nā mea pāʻani. Ua hui pū ʻo Mastercard me nā hui blockchain e like me R3 a me nā mea nui e like me Walmart e lele wikiwiki ana i ka kaʻa. Hōʻike ka huaʻōlelo ma ke alanui e kālua ʻia ana kahi koho SWIFT ikaika ma Kina, Rusia a me India, e hoʻopili ai i ka nui o 3 biliona poʻe i loko o nā ʻoihana hou BRICS ʻekolu.

E nānā i ka ho'āʻo a Visa. ʻO ka pūnaewele, e like me ka mea i ʻōlelo ʻia ma ka hoʻolaha, ke hoʻohana nei i kahi hiʻohiʻona ʻike kikohoʻe kūʻokoʻa a me ka hōʻailona ʻana e like me ka hoʻohana ʻana i ka open-source Hyperledger Fabric framework mai ka Linux Foundation, me IBM. Ke ʻimi ʻia nei kahi pūnaewele hiki ke ʻae ʻia no ka hoʻokō ʻana i kēlā wikiwiki i pale a paʻa ʻole i kēia manawa.

ʻO Friction ka kui nui a kēia mau hamare. E like me Kevin Phalen, SVP, ke poʻo honua o Visa Business Solutions i wehewehe i ka hoʻolaha. "Ma ka hoʻokumu ʻana i kahi hoʻonā e hoʻomaʻamaʻa pololei, ka panakō a me nā kālepa panakō, ke hoʻopau nei mākou i ka friction e pili ana i nā wahi ʻeha ʻoihana koʻikoʻi. Me Visa B2B Connect, ke hana nei mākou i ka uku wikiwiki a me ka maʻalahi, ʻoiai e hoʻonui ana i ka ʻike a me ka kūlike o ka ʻikepili.

ʻO ka maʻalahi, ka māmā a me ke kūlike o ka ʻikepili - ʻo nā huaʻōlelo wale nō e hoʻomanaʻo iā ʻoe i ka blockchain. He mana i hala ʻole kona ikaika e nā hamare ʻē aʻe.

ʻOi aku ka poʻe kamaʻāina kikohoʻe. ʻO nā paepae e like me Hyperledger Fabric, Hyperledger Sawtooth, R3 Corda, EEA Quorum a me Stellar a me nā pane hoʻohui e like me Unbounded e hōʻoiaʻiʻo ana e loaʻa nā uku o nā palena ʻoi aku ma mua o ka micro-wave wale nō i ka wā e ulu ai ka pōloli no kahi mea i kūkulu ʻia. .

ʻO kaʻoiaʻiʻo, he mea kāhāhā inā he liʻiliʻi nā inoa i komo i ka pāʻina pool. He mea nui loa ka mākeke no ka nānā ʻole a hoʻopanee paha.

Pooh's Pot of Honey

Hui ma o a Hoike a McKinsey ma nā uku honua i ka makahiki 2018, a he mea paʻakikī ke poina i ka ulu ʻana o ka 11 pakeneka i ulu ʻia e nā uku (ʻoi aku ka nui o $ 1.9 trillion ma ka loaʻa kālā honua) ʻo ia ka lele makahiki nui loa i ana ʻia i nā makahiki ʻelima i hala.

Ma kahi hōʻike makahiki i hala ua manaʻo ʻia e lilo nā uku i ʻoihana $2 trillion ma 2020. Ke kamaʻilio nei mākou ma ʻaneʻi.

ʻO ke kālā i hoʻopaʻa ʻia no kahi ʻoki lauoho hou. ʻO ka huaʻōlelo 'real-time' ʻo ia ka ʻoki ʻoki i makemake nui ʻia e kēia wahi.

Ua loaʻa ʻo India i ka helu 5+ wale nō a lilo i alakaʻi honua i ka hoʻohana ʻana i nā uku manawa maoli e like me ka loiloi FIS hou ma ka 'Faster Payments Innovation Index.' Ua loaʻa iā Australia, Denmark, Polani, Romania, Singapore a me Suedena. He helu 4+ a ua loaʻa i ka US a me UK ka helu 4 no kā lākou papahana uku wikiwiki.

Ua ʻike ʻia ka noiʻi FIS ua piʻi ka nui o nā ʻōnaehana uku manawa maoli i hoʻohana ʻia ma ka honua holoʻokoʻa i ka 35 pakeneka i ka makahiki i hala a kokoke i ʻehā mau manawa mai ka makahiki 2014. Ua manaʻo ʻia kēia spike i ka hoʻohana ʻana i nā lawelawe kamaʻilio, nā polokalamu kūʻai kūʻai, nā hōʻaiʻē koke a me wehe ʻia nā API, a me ka neʻe ʻana i ke kūlana uku honua ISO 20022.

ʻO ka manawa o nā uku ke noi nei i nā loli wiwo ʻole. A hoʻohiki ʻo ia i nā uku hoʻihoʻi wiwo ʻole.

Ma ka hōʻike a McKinsey, ʻoi aku ka lohi o ka ulu ʻana e like me nā kiʻi kiʻekiʻe e pili ana i ka moʻohelu kālā (no nā mea kūʻai waiwai a me nā ʻoihana liʻiliʻi a me nā ʻoihana liʻiliʻi) a me ka hoʻokaʻawale ʻana i nā palena i nā micro-enterprises (i alakaʻi ʻia e ka ulu nui ʻana o nā mākeke pūnaewele). e like me nā ʻeke o ka manawa kūpono.

No laila, ʻo ka hahau hou ʻana i ka pancake sloppy, ʻaʻole ia he mea waiwai i hiki i nā mea pāʻani a me nā mea hoʻohaunaele ke loaʻa i kēia manawa.

"Hāʻawi ka SWIFT GPI i nā kālepa wikiwiki, hoʻonui i ka ʻike i ke kūlana o ka hāʻawi ʻana i nā uku, a me ka hoʻomaikaʻi ʻana i ka uku uku i hoʻohālikelike ʻia i nā uku mea kākau kuʻuna." Ua loiloi ʻia ka hōʻike ʻo McKinsey. Akā e like me ka mea i hoʻohui ʻia, 'oiai ke kū nei ka GPI e kōkua i nā panakō e hoʻoponopono i nā helu ʻeha he nui e pili ana i ka uku ʻana i nā palena ʻāina, ke hana mau nei ia i loko o ka waihona waihona kālā i hoʻokumu ʻia a koi aku i nā hoʻololi o nā kaʻina hana a me nā ʻōnaehana, e hana i nā mea pāʻani i nā mea pāʻani. ʻoihana."

ʻAʻohe manawa no nā pulu

ʻO ka paʻakikī, ka liʻiliʻi o nā ʻōnaehana a me ka ʻike ʻole o nā uku hoʻololi o nā ʻāina ʻē ke hoʻomau nei i ka wahi hoʻoilina a ʻo ka mea a nā mea hou e lawe mai e hoʻomau i ko lākou poʻo i nā paia o ka unahi, scalability a me incumbency pono o nā biggies e kū nei.

Hiki i ka brigade kahiko, me kā lākou mau hui panakō hou, ke hakakā me ka ʻāpana ʻāpana o nā panakō like ʻole e pāʻani ana ma hope a i ʻole?

Ua koho ka McKinsey hōʻike i ka hoʻohui ʻana o ka panakō wehe / PSD2 me nā uku manawa maoli a me ka blockchain e like me nā pane kūpono e haʻi ʻia. Akā, hiki anei i ka lāhui hou ke hakakā i nā kaiaola pili i ka ʻikepili, e hana i kahi lumi kūpono hou no ka hui pū ʻana o ka panakō, a loaʻa i kahi mea e kūkulu ai i ka ʻike a me ka pololei?

ʻO ka manawa a me ka paʻakikī e pono ai e hoʻohui i ka blockchain i nā hoʻonohonoho ʻoihana o kēia manawa - ʻaʻole hiki ke hoʻomālamalama ʻia. He hoike na Ripple Hōʻike ʻo 'Blockchain in Payments' he 35 pakeneka o nā mea pane e hopohopo nei i kēia pilikia.

Ke noiʻi nei ma luna o 1,000 mau alakaʻi ʻoihana i ka ʻoihana uku, ua ʻike ka hōʻike e piʻi aʻe ana ka hoihoi i nā uku palena ʻāina. Ua hōʻike pū ʻia he 31 pākēneka e nānā i ka mākeke uku palena palena ma ke ʻano he ala e hoʻonui ai i nā lawelawe i ka mākeke hou.

I ka loaʻa ʻana o 75 pākēneka i 'makemake loa i nā waiwai kikohoʻe no ka uku ʻana i nā palena'āina' a me 87 pakeneka e noʻonoʻo ana e hoʻokō i ka ʻenehana blockchain, a laila ʻo ia ka manawa e noʻonoʻo ʻia ai nā hopena i nā pilikia e paʻa ai ka hauʻoli. mai ka hohola ʻana i kona ʻala ʻono ma waho o nā puka makani kīhini.

No ka mea he mea maikaʻi ke hoʻokolohua a me ka ulu ʻana, akā ʻaʻole pau ʻole i ka pila me ka wā e pili ana i kahi mea wela a like me ka mea nui e like me ka uku honua. Ua ʻohi ka atlas. I ka nui o ka manamana nui e kali ana e paʻi i kahi pihi. Pono ka wahi uku e apo i kēia kakahiaka a ala aʻe ma kahi ʻaoʻao o ka moena.

Hoʻokahi Gordon Ramsay E ʻoluʻolu!

Ma waena o nā mea maikaʻi ʻē aʻe o SWIFT gpi i hōʻike ʻia e Ramakrishnan, ʻo ka mea e hoʻomau nei ʻo ia ka ʻāpana e pili ana i ka 'Open, inclusive and collaborative with global reach and a great reduction in operational cost'.

He mea hou kēlā. Inā hoʻomau kēlā hoʻololi, inā me SWIFT a i ʻole Ripple a i ʻole IBM a i ʻole Unbounded a i ʻole nā ​​mea ʻē aʻe, hiki i nā mea hoʻohana a me nā mea pāʻani o ka ʻāina kea i ka hopena ke lawe i kā lākou mau papa pōloli i ka papaʻaina.

Akā, no ka mea e hiki mai, he nui (friction, lohi, intermediary ukana, pani-loops, complexity etc.) e hoʻopaʻa paʻakikī a puni, pono e hoʻohuli ʻia.