financial institutions

Can the future of fintech really be found in blockchain-based smart contracts?

Blockchain is arguably the most significant innovation since the internet with individuals, companies and even governments embracing the technology. An appealing feature of blockchain technology is smart contracts. Smart contracts are gaining widespread use and ease of creation as global processes are becoming increasingly digitised. They serve as an alternative to traditional contracts which are […]

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For cross-border payments, half the journey is getting there

At some point during a recent 27-hour journey to Singapore I had a realization: Singapore is long way from home and not somewhere you get to by accident from Texas. That might sound rather obvious to anyone with a map, but sometimes experience is the best teacher. The experience of getting from Texas to Singapore […]

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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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