Decentralization Technologies: Financial Sector in Change
暫譯: 去中心化技術：金融領域的變革

Gilbert Fridgen is Professor and PayPal-FNR PEARL Chair in Digital Financial Services at the Interdisciplinary Centre for Security, Reliability, and Trust (SnT), University of Luxembourg. In his research, he analyzes the transformative effects of digital technologies on individual organizations and on the relationship between organizations. He addresses potentially disruptive technologies like Distributed Ledgers, Decentralized Digital Identities, Artificial Intelligence, and the Internet of Things. His research involves information systems engineering, IT strategy, and (risk) management, as well as regulatory compliance. In his projects and partnerships, he collaborates with partners in financial services, energy, mobility, manufacturing, and consulting, as well as with public bodies and governments.

Tobias Guggenberger is Postdoctoral Researcher in Information Systems at the FIM Research Center for Information Management, University of Bayreuth, Germany, and at the Branch Business & Information Systems Engineering of Fraunhofer FIT. He earned his Ph.D. from the University of Bayreuth in 2022, where his research focused on the design and management of blockchain-based information systems. Tobias has published several articles in leading journals and presented his work at numerous conferences. His current research focuses on the management of emerging technologies, such as blockchain and machine learning.

Johannes Sedlmeir is Postdoctoral Researcher in Information Systems at the Interdisciplinary Center for Security, Reliability, and Trust (SnT), University of Luxembourg. He focuses on identifying opportunities and challenges of using decentralization technologies in organizations, e.g., regarding energy consumption, performance, and the handling of sensitive information. He also designs, implements, and evaluates corresponding solution approaches, applying novel cryptographic technologies like zero-knowledge proofs for scalability and/or privacy enhancements in these areas.

Nils Urbach is a Professor of Information Systems, Digital Business, and Mobility as well as Director of the Research Lab for Digital Innovation & Transformation at the Frankfurt University of Applied Sciences, Germany. Furthermore, he is the Co-Director of the FIM Research Center and the Branch of Business & Information Systems Engineering of Fraunhofer FIT. Nils has been working in the fields of strategic information management and collaborative information systems for several years. In his current research, he focuses on digital transformation, AI management, digital identities, and blockchain, among others. His work has been published in several renowned academic journals as well as in the proceedings of key international conferences.

吉爾伯特·弗里根（Gilbert Fridgen）是盧森堡大學安全性、可靠性與信任跨學科中心（Interdisciplinary Centre for Security, Reliability, and Trust, SnT）的數位金融服務教授及PayPal-FNR PEARL講座教授。在他的研究中，他分析數位技術對個別組織及組織之間關係的變革性影響。他探討潛在的顛覆性技術，如分散式帳本（Distributed Ledgers）、去中心化數位身份（Decentralized Digital Identities）、人工智慧（Artificial Intelligence）和物聯網（Internet of Things）。他的研究涉及資訊系統工程、IT策略及（風險）管理，以及法規遵循。在他的專案和夥伴關係中，他與金融服務、能源、移動性、製造業和諮詢等領域的夥伴，以及公共機構和政府進行合作。

托比亞斯·古根貝格（Tobias Guggenberger）是德國拜魯特大學（University of Bayreuth）資訊系統的博士後研究員，並在弗勞恩霍夫FIT的商業與資訊系統工程分支工作。他於2022年獲得拜魯特大學的博士學位，研究重點為基於區塊鏈的資訊系統的設計與管理。托比亞斯在多個領先期刊上發表了數篇文章，並在眾多會議上展示了他的研究成果。他目前的研究專注於新興技術的管理，如區塊鏈和機器學習。

約翰內斯·塞德梅爾（Johannes Sedlmeir）是盧森堡大學安全性、可靠性與信任跨學科中心（SnT）的資訊系統博士後研究員。他專注於識別組織中使用去中心化技術的機會與挑戰，例如在能源消耗、性能及敏感資訊處理方面的影響。他還設計、實施並評估相應的解決方案，應用新穎的密碼技術，如零知識證明（zero-knowledge proofs），以提升這些領域的可擴展性和/或隱私性。

尼爾斯·烏爾巴赫（Nils Urbach）是德國法蘭克福應用科技大學（Frankfurt University of Applied Sciences）資訊系統、數位商業和移動性的教授，以及數位創新與轉型研究實驗室的主任。此外，他還是FIM資訊管理研究中心及弗勞恩霍夫FIT商業與資訊系統工程分支的共同主任。尼爾斯在戰略資訊管理和協作資訊系統領域工作多年。他目前的研究重點包括數位轉型、人工智慧管理、數位身份和區塊鏈等。他的研究成果已發表在多個知名學術期刊及重要國際會議的會議論文集中。