Redecentralisation: Building the Digital Financial Ecosystem

Wandhöfer, Ruth, Nakib, Hazem Danny

Redecentralisation: Building the Digital Financial Ecosystem
  • 出版商: Palgrave MacMillan
  • 出版日期: 2024-04-23
  • 售價: $2,710
  • 貴賓價: 9.5 折 $2,575
  • 語言: 英文
  • 頁數: 219
  • 裝訂: Quality Paper - also called trade paper
  • ISBN: 3031215931
  • ISBN-13: 9783031215933

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商品描述

The rise of smartphones, social media, cryptocurrencies and digital assets has changed our lives profoundly over the last decade. In tandem, the relationship between governments, citizens and businesses has evolved, creating new sets of challenges and imbalances, but also opportunities.

This book focuses on the evolving digitisation of the financial industry and the impact this has on users. Particular attention is given to the emergence of new technologies such as blockchain, smart contracts and AI. The increasingly interconnected, data-driven digital economy, which includes many aspects of an individual's and organisation's life, has become a challenge for regulators, too. Matters are complex but also increasingly centralised, with a growing trend of distrust. Should we push for more decentralisation?

To shed light on this question we begin by providing an overview of key concepts and develop a high-level qualitative framework and approach to what we call 'Redecentralisation'.

Delving into those technology areas that form part of the tectonic plate shift of our financial system we explore the pillars of money and payments that are at a turning point with the replacement of key infrastructural components necessary for the future of what we call the Digital Financial Ecosystem. Digital identity and data privacy also form part of this broader puzzle.

We then look to the future to consider some of the latest trends and 'what if' scenarios. Where do we see Redecentralisation at play in the Digital Financial Ecosystem? What is the role of technology in this, e.g. Web3, the Metaverse and Decentralised Finance? Can Redecentralisation support an alignment of values across people, governments and businesses? What is the role of technology in this? And finally, do we need a new digital social contract to underpin and protect our digital lives?

商品描述(中文翻譯)

智慧手機、社交媒體、加密貨幣和數位資產的崛起，在過去十年間深刻改變了我們的生活。與此同時，政府、公民和企業之間的關係也在演變，帶來了新的挑戰和不平衡，但也帶來了機會。

本書聚焦於金融行業的數位化演進以及其對使用者的影響。特別關注於區塊鏈、智能合約和人工智慧等新技術的出現。越來越相互連接、數據驅動的數位經濟已成為監管機構面臨的挑戰，也變得越來越集中，並出現了日益增長的不信任趨勢。我們應該推動更多的去中心化嗎？

為了回答這個問題，我們首先提供了關鍵概念的概述，並制定了一個高層次的定性框架和方法，我們稱之為「重新去中心化」。

我們深入探討了金融系統的構成部分中的技術領域，這些領域正在發生地殼板移位，我們探索了金錢和支付的支柱，這些支柱正處於轉折點，需要替換未來所謂的數位金融生態系統所需的關鍵基礎結構組件。數位身份和數據隱私也是這個更廣泛的拼圖的一部分。

然後，我們展望未來，考慮一些最新的趨勢和「如果」情景。我們在數位金融生態系統中看到了重新去中心化的發展？技術在其中扮演了什麼角色，例如Web3、Metaverse和去中心化金融？重新去中心化能否支持人民、政府和企業之間價值觀的調和？技術在其中扮演了什麼角色？最後，我們是否需要一個新的數位社會契約來支撐和保護我們的數位生活？

作者簡介

Ruth Wandhöfer operates at the nexus of finance, technology and regulation and is passionate about creating the digital financial ecosystem of the future. An expert in the field of banking, technology and regulation she is a public speaker and provides training and coaching for the finance industry as well as the Fintech community. Following her banking career at Citi, Ruth is now an independent Non-Executive Director on the boards of a bank, an exchange and two technology firms, a Partner at Gauss Ventures and Chair of the UK Payment Systems Regulator Panel. She is also an advisor of the City of London Corporation, the British Standards Institution and the European Third Party Provider Association (ETPPA). She is a Visiting Professor at Bayes (formerly CASS) Business School City University London where she gained her PhD as well as at the London Institute of Banking and Finance and occasional lecturer at Queen Mary London School of Law. She published two books: EU Payments Integration (2010) and Transaction Banking and the Impact of Regulatory Change (2014), both Palgrave Macmillan.

Hazem Danny Nakib is a financial and digital technology expert, having worked in different roles at the Royal Bank of Canada and in secondment at the Boston Consulting Group. Hazem is an honorary researcher at the University College London, Fellow of the Royal Society of Arts, Associate at the London School of Economics Systemic Risk Centre, and visiting researcher at the University of Cambridge and sits on the Digital Strategic Advisory Board of the British Standards Institution. Hazem holds a BBA Management Specialist from the University of Toronto, BA in law from the University of Cambridge and BCL from the University of Oxford, as well as an MA (ad eundem) from the University of Oxford.


作者簡介(中文翻譯)

Ruth Wandhöfer在金融、科技和監管的交叉領域工作，並熱衷於創建未來的數字金融生態系統。作為銀行、科技和監管領域的專家，她是一位公開演講者，為金融行業和金融科技社區提供培訓和指導。在Citi銀行的職業生涯之後，Ruth現在是一家銀行、一家交易所和兩家科技公司的獨立非執行董事，也是Gauss Ventures的合夥人和英國支付系統監管機構面板的主席。她還是倫敦市政府、英國標準協會和歐洲第三方提供者協會（ETPPA）的顧問。她是Bayes（前CASS）商學院倫敦城市大學的客座教授，並在倫敦銀行與金融學院和倫敦大學玛丽女王学院偶爾擔任講師。她出版了兩本書：《歐盟支付整合》（2010年）和《交易銀行與監管變革的影響》（2014年），均由Palgrave Macmillan出版。

Hazem Danny Nakib是金融和數字技術專家，曾在加拿大皇家銀行擔任不同職位，並在波士頓咨詢集團派駐工作。Hazem是倫敦大學學院的名譽研究員，皇家藝術學會的會士，倫敦政治經濟學院系統風險中心的副研究員，並在劍橋大學擔任訪問研究員，同時還擔任英國標準協會的數字戰略顧問委員會成員。Hazem擁有多倫多大學的BBA管理專業學位，劍橋大學的法學學士學位，牛津大學的BCL學位，以及牛津大學的MA（ad eundem）學位。

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