
Kunyangwe Erno Rubik anganzwa saEdward Scissorhands pano. Munyika-yekubhadhara nzvimbo
Kuisa zvese paaxis yayo yekurudyi - kumhanya, kurongeka, chaiyo-nguva nuances, mushandisi-ushamwari, kusununguka kwepasirese, kuvimbika, kuwanikwa uye kuchengetedzeka kusingagumi pamusoro peizvi zvese - hongu, zviri nyore kutaura pane kuzviita.
Mune matrix yekubhadhara kuyambuka muganhu, imwe cube inogara ichisiiwa kunze. Hazvina kuwedzera - zvese pamwe chete.
Ndiyo gap iri kuisa mazita akadai IBM, Stellar uye kunyange Rashiya hurumende mumhepo yakafanana neSWIFT.
SWIFT kana kuti Sosaiti yeWorldwide Interbank Financial Telecommunication - Masevhisi emubatanidzwa wemabhanga anoteedzera kumashure semakore makumi mana apfuura ayo akapararira kunyika dzinosvika mazana maviri nekubvisa mari mubhadharo. Hongu, iyo SWIFT yakafanana ine vakwikwidzi vatsva kuti uzvidye mwoyo, uye kubva kunzvimbo dzisingatarisirwi - hofori dzebhizinesi senge IBM uye nyika dzakaita seRussia neChina dziri kuongorora network nyowani dzekubhadhara masisitimu pazere tilt zvino.
Pedyo nekutengeserana nekukasira uye nhanho nyowani yekubuda pachena - ndiwo machinki anokwikwidza kuSWIFT ari kunanga zvakadaro.
Anomhanya Kana Kuti Anonoka?
Ashish Sharma, Partner, Deloitte anocherekedza kuti SWIFT haisati yapararira sei sezvainofungidzirwa kuve. "Kune mabhanga madiki ane mameseji ekutumira mameseji ari kushanda muindasitiri izvozvi."
Iko kusvetuka kunomanikidza kubva kune chekare-chikoro chekubhadhara silos zvechokwadi, asi SWIFT ichiri kurwisana nemamwe matambudziko - emukati pamwe nekuwedzera.
Kufungidzira kwakaratidza kuti zvikamu zvitanhatu kubva muzana zvekutengeserana kuburikidza neSWIFT zvinotambura kukanganisa kana kukundikana. Kuwedzera kumutengo wakavanzika wekukanganisa, kune zvakare nyaya senge mutengo wemari uye yakawedzera yekushanda capital kutenderera iyo SWIFT kana ichiwanzo zara nayo.
Rangarira mari ichangoburwa yechirango (inosvika zviuru makumi mana zvemadhora) iyo mabhanga gumi nemapfumbamwe akarohwa nayo nekuda kwekukanganisa kwekuyananisa muIndia. SWIFT haina kutora chero mhosva uye yakataura matambudziko kunzvimbo dzekubhadhara dzemabhangi aya.
Iyo cube inokura sezvo munhu anotarisa mamwe maburi.
Nzvimbo yekubhadhara haisi pikiniki mupaki, kunyange ikozvino. Ongororo yeEuroFinance-SWIFT inoratidza kuti 47 muzana yevachengeti vehomwe vanoshuvira kuonekwa pamutengo uye kubviswa kubva mukutengesa. Mabhizinesi ane nzara yekudzora kana mubhadharo watadza. Iyo nguva uye mutengo unoenda mukunongedza nekugadzirisa iwo matambudziko akakura zvakare. Vanosvika 61 muzana yevabati vehomwe vanowana hurefu hwenguva inotora kurambwa nekuferefeta, zvinonetsa.
Tisingakanganwe, kutyora kwedata uye cyber-attacks - sekurasikirwa kwemamiriyoni gumi nemana emadhora iyo kutyorwa kwechitatu kwakaita kuti mashandiro eIndia eState Bank yeMauritius atambure, nekuda kwehutsotsi hwekubhadhara SWIFT. Bhanga reCity Union nebhanga reCosmos vanga vari vanyajambwa vekubhadhara mameseji system gore rino zvakare. Nyika ichiri kuzununguka nekukanganiswa kwehunyengeri hukuru hweSWIFT hwakatungamira kuPunjab National Bank fiasco uye yakazunungusa kuvimba kwemamiriyoni evagari mumabhangi system, se. Ndangariro uye kukanganisa kwemamiriyoni zana emadhora akabiwa nematsotsi kubva kubhanga guru reBangladesh makore maviri kumashure zvinotiyeuchidza nezvemaburi ekuwana Swift macode.
Mhinduro iri mumubvunzo
Matambudziko ari kutarisana neSWIFT anofanirwa kunzwa segangaidzo kana nyika yamuka kune yakanyanya kugona iyo. blockchain Wadii kushandisa chimwe chinhu chinopisa kubva muhovhoni yehunyanzvi? Blockchain inogona kunge iri mhinduro yakanaka kune hurema hunoshungurudza SWIFT.
Chokwadi, vakwikwidzi vakabuda. Pane Ripple, ine vanopfuura 100 vakasaina-nhengo vanoedza yavo blockchain-yakafuridzirwa tekinoroji pakati pemasangano emari pasi rese. Uye Ripple haina kudonhedza mazwi payakatanga munhau kuti "haina kutarisa kuisa mabhendi pazvivakwa zvekubhadhara zvazvino."
Vanoda veWestern Union neMoneyGram zvakare vakatsamira ku blockchain - kanenge vachitamba nazvo.
Vivek Iyer, Partner, Financial Services, PwC anotarisira kuti blockchain inogona kuderedza chikamu chemutengo wekushanda munzvimbo dzekubhadhara kana ichienzaniswa neSWIFT. Nepo, mukuverenga kwake, nyaya dzekuchengetedza hadzina kuoma izvozvi mushure mekupindira kwemutemo kune kumwe kusagadzikana kwakacherechedzwa nguva yadarika, pachine mikana yakawanda yekugadzirisa izvo zvinoshaikwa muSWIFT. "Nguva yakakosha inopedzwa mukuyananisa, saka blockchain inogona kunge iri mhinduro yekugadzirisa kumhanya uye mutengo wakatenderedza SWIFT."
SaIyer, Sharma, Partner, Deloitte masekonzi kushandiswa kwe blockchain zvivakwa zvakare asi inowedzera imwe caveat. "Zvivakwa zvinogoneka nehunyanzvi asi mamiriro ezvinhu anogona kunge asiri nyore. Kunyatso shandisa blockchain pachiyero uye chimiro cheSWIFT - iro richava dambudziko idzva zvachose. "
Sharma anoyeuchidza nezve kudiwa kwekutorwa kweindasitiri yakafara, pamwe, inotsigirwa nemirairo yekutonga pano. "Kunze kwekunge bhangi rega rakabatana uye kusvika mhasuru yebhangi yazara uye yakabatana zvakanyanya pasi penzira yekubhadhara yakabatana, zvinotarisirwa zvichagara kure. Izvo zvakati - kune ruzivo rwakawanda rwakagara mubhengi rekutanga uye kana mabhangi angakwanisa kuisa izvozvo panjodzi, kunyangwe kune chimwe chinhu chinofungidzirwa-uye-chakachengeteka seblockchain - iwo mubvunzo wakasiyana zvakare.
Sezvineiwo, SWIFT CEO akanzwika achitaura mune mishumo yenhau kuti nepo blockchain chiri chinhu chavari kutarisa, vachiri kumirira iyo mhondi app iyo ichaita kuti mari yakakura iite senge yakakosha. Gottfried Leibbrandt anobata mutoro we blockchain semhinduro inodhura pamutengo wayo wekuchera (avhareji bitcoin transactions inodhura kusvika ku50 euros).
SWIFT yakaedzawo blockchain mumashure mayo uye yakauya nemhedziso yekuti tekinoroji haisati yagadzirira zvemazuva ese, ichitaura nezve scalability senyaya, kunyanya kune mishoni-yakakosha uye yekugadzira-giredhi manyorerwo. The chiratidzo-che-pfungwa (PoC) bvunzo yekuyananisa mabhadharo epasirese pakati peakaundi emabhangi makumi matatu nemana yakakandawo mumwe munzwa - kudiwa kwema-sub-ledgers - kusinganzwisisike uye kugadzirisa kwakanyanya kutaura zvishoma.
Zvakadaro, chirevo chakaitwa neSWIFT nezvePoC zvakare chakataura kuti - DLT inogona kuunza mashandiro ebhizinesi uye hupfumi hwedata hunodiwa kutsigira otomatiki chaiyo-nguva yekutarisa uye kuyananisa. Yakagonesa chaiyo-nguva kubata chiitiko, kutengeserana mamiriro ekugadzirisa, akazara ekuongorora nzira uye kuoneka kwezvinotarisirwa uye zviripo zviyero.
Damien Vanderveken, Head of Research and Development, SWIFT akati - "PoC yakafamba zvakanaka kwazvo, zvichiratidza kufambira mberi kwakanaka kwakaitwa neDLT uye Hyperledger Fabric 1.0 kunyanya."
A SWIFT gpi yekuvandudza kwakakosha mukuita kweNostro uye kutamira kune chaiyo-nguva yekumisikidza mari yekubika uye kugadzirisa kwaigarwa. Kuita kuti pfungwa idzi dzinyatso svitsa pasi kune migero yekuyananisa, chiziviso chakasiyana chekupinda kwega kwega uye mhasuru yakakwana yekugadzira-yakagadzirira maapplication inodiwa.
Inonzwika zvakanaka pabepa, asi pfungwa idzi dzichazoitika here?
Iyo post-SWIFT nyika, chero ani?
Iyo EuroFinance-SWIFT tsvakurudzo yabvisa kushushikana kunosangana nevemabhizinesi nemusanganiswa wemitemo nemaitiro kumabhangi anonyorerana uye zvimisikidzo zvezvivakwa zvepasi rose kubhadhara system. Chinonyanya kusvetukira pano ndechekuti makambani makuru haaone yavo yekuyambuka-muganho yekubhadhara zvinodiwa zvichizadzikiswa nemakambani efintech.
Chirevo chakasiyana kubva McKinsey & Kambani inoratidzawo kuti bhizinesi-kune-bhizinesi (B2B) kuyambuka-muganho kubhadhara kunoita ingangoita 80 muzana yezvese. kubhadhara miganhu mari, uye kuwedzera kweSME kwave kuda kuwedzera izvi. Asi, pane kudikanwa kwekugadzirisa core banking mapuratifomu kuti vagone kuvandudzwa munguva chaiyo.
Sharma anorasa pfungwa yekuti basa rekubhadhara nzvimbo dzakasimba uye dzakachengeteka rinongogara pachikamu chetekinoroji. Anokurudzira zvakasimba basa rekuchengetedzwa kwekupedzisira-ku-kuguma kunofanirwa kutorwa nebhangi kana sangano rezvemari zvakare. “Vese SWIFT nebhanga vanofanira kungwarira uye kusimba nezvekuchengetedzwa. Nguva dzose kuongororwa kwemazinga ekuchengetedza uye chigamba-update hutsanana hunofanirwa kuitwa nemabhanga nenzira dzakakomba zvakaenzana.
Nhaka kana mutori wenhau wechikoro chekare haagadzirire ramangwana rekubhadhara kuyambuka. Chingave chakakosha ipapo kushandiswa kweremangwana-uchapupu hwedhijitari uye zviyero zveindasitiri zvinokurudzira kubatanidzwa kwemhiri-nyika uye nekubudirira kukuru kwekutengeserana - sekutsinhirwa kweshumo uye kunodudza kushandiswa kweblockchain sehunyanzvi hwekuita network nemabhangi.
Kufanana neGlobal Payments Innovation (GPI) sevhisi iyo SWIFT pachayo yakaunza?
Fomu inogona kusiyana. Asi chero nzira yazvinoitika, ramangwana rinofanirwa kuona kudiwa kwekumhanya, kushandura mhepo-yakavharwa network kune isina musono kubatana uye maapplication, maitiro matsva evatengi, pachena, kutevedzera uye data-management kumanikidza (PSD2 uye GDPR) uye, chokwadi, chivimbo chakawedzerwa pamusoro pekuchengeteka uye kuderedza mari-utsotsi.
Uye kupinda kwevatambi vakaita seIBM (ine mabhangi makuru epasirese sevatengi vayo uye ine chunk hombe yekubhadhara kadhi rechikwereti yakagadziridzwa payo mainframes) haisi diki blip mu radar. Kunyanya kana izvi zvinopihwa zvinotsanangurwa senzira dzekufambisa fungibility yemidziyo yedhijitari - nzvimbo iyo SWIFT yagara ichishandisa sekushoropodza tekinoroji yeRipple. Uyezve, dzimwe nzira itsva dzinovharawo mukaha webhangi API yekubatanidza iyo ichaita kuti kuchinjira kune isiri-SWIFT sarudzo ive nyore uye isingaodze moyo pane zvazvaive kusvika parizvino.
Ramangwana rinogona kana kusave neSWIFT. Inogona kana isina blockchain. Inogona kuva nezvose kana kwete kana chimwe chinhu zvachose.
Asi ichafanirwa kunge yakawedzera cube yega yega zvine hungwaru uye nechivimbo. Mamonya achiripo.
Sezvo Erno Rubik akatoratidza- "..necube kune kupenya kwakawanda, kune akawanda aha."