Banking and Financial Markets

Banks are using blockchain to rewire financial markets for optimized cash management and consumer lending while transforming online and international payments processes.

Digital currencies: The next paradigm shift for my money

Why do I need a bank account to hold, manage or spend money? I really shouldn’t have to pay fees and service charges, especially since my money — everyone’s money — is the gas in the bank’s lending engine. But if I don’t have a bank account, how do I pay my bills? I often […]

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Symbiotic collaboration: A key to succeed with blockchain in financial services

What’s stopping blockchain from becoming a more pervasive technology in financial services? If you think it has something to do with the technology behind blockchain, you’re partially wrong — it’s the nature of the solution that is causing the barrier. For a blockchain-based solution to work successfully, it requires multiple entities to come together in […]

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Blockchain for KYC: Game-changing RegTech innovation

One of the best things about working at IBM — and in the RegTech field in particular — is meeting daily with the engineers and developers who are driving technological innovation in the financial industry. Consider, for example, the blockchain space. While blockchain’s decentralized, distributed-ledger technology is most popularly known as the basis for cryptocurrencies […]

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Stable coins: Enabling payments on blockchain through alternative digital currencies

How often do you participate in real-life, “live” blockchain transactions? I’m guessing that for many of you, the answer is not often. Though the benefits of blockchain — a distributed ledger technology that facilitates transactions between participants without the need for intermediaries — are well documented, most networks currently in production don’t deal with mainstream […]

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How the benefits of open source blockchain can benefit credit markets

FinTech companies everywhere are building blockchain solutions. We think ours is unique not only for what it does, but for the open source blockchain technology we’re using as well. Our company is Global Debt Registry, and we help institutional investors and warehouse lenders better manage risk, improve efficiency and pricing in the credit markets by […]

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Blockchain-based Batavia platform set to rewire global trade finance

After being stagnant for a long time, the global trade finance industry has been on the receiving end of efforts to innovate through new technologies and development. Several of these efforts are based on the use of blockchain, a type of shared, distributed ledger on which the history of transactions is digitally recorded and cryptographically […]

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Blockchain, disruption, and the financial services landscape

The buzz and energy surrounding blockchain technology is apparent no matter what type of media is analyzed, what industry is examined, or whether the organization is a startup or established incumbent. It can be difficult to distinguish what it means for you and your business, and, specifically, what this platform means for finance moving forward. […]

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Beyond proof of concept: Blockchain highlights from Sibos 2017

These days, you can’t go to a financial services conference such as Sibos without encountering animated discussions about blockchain. The distributed ledger technology that underpins Bitcoin has matured in several areas over the last year, and it’s now at a point where companies are looking to go beyond proof of concepts (PoCs). Because of my […]

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Three uses for blockchain in banking

The banking and financial services industries have a complex relationship with blockchain, the distributed ledger technology that was popularized by cryptocurrencies such as Bitcoin. On the one hand, blockchain presents numerous opportunities to transform how people exchange value. The technology provides participants in a business network with a shared, immutable history of transactions — records […]

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