Focus Area: Digital Finance

What is Digital Finance

The emergence and prominence of bitcoin and its underlying technology Blockchain with open source, real-time payments capabilities and without centralized regulatory authority has sparked the Financial Services industry into exploring how Blockchain technology might be applied to mainstream banking and insurance sectors. Blockchain technology goes further than just a distributed ledger. Another initiative gaining acceptance is Smart Contracts that use computer protocols to facilitate, verify, or enforce the negotiation or performance of a contract or that obviate the need for a contractual clause.

Proponents of Smart Contracts claim that many kinds of contractual clauses may thus be made partially or fully selfexecuting, self-enforcing, or both. Smart Contracts aim to provide security superior to traditional contract law and reduce other transaction costs associated with contracting.

Latest Research, Upcoming Webinars and Events From
Digital Finance

Webinar

Blockchain - How to Separate the Hype from Reality

Blockchain has taken the world by storm since the inception of Bitcoin. While the primary interest has been in the financial and insurance industry sector Blockchain technology has wider application. This webinar will describe the technology and separate the hype from reality, looking at some innovative Blockchain applications from identity management to the Internet of Things.

Whitepaper

Whitepaper: Overcoming PSD2 Challenges with Onegini Connect - 79058

Many changes are coming to Europe's financial landscape due to the Revised Payment Service Directive (PSD2). PSD2 will present new challenges to overcome, as well as potential benefits for Third Party Providers (TPPs) and consumers.  Account Information Service Providers (AISP) and Payment Initiation Service Providers (PISP) functions have historically been performed by banks; competition in the financial sector will emerge from non-traditional, non-banking types of businesses. Onegini Connect provides the foundational technical capabilities needed to meet the PSD2 challenges while...

Webcast

Martin Kuppinger - 2018 - The Year of Disruption: Why the Finance Business Will Never Be the Same Again

The year 2018 brings major changes to the financial industry. Two disruptive regulations (PSD2 and GDPR) come into effect early in the year and will have a far-reaching impact. Their implementation can be a challenge, but through these directives new opportunities will be created. Furthermore, the blockchain technology is becoming increasingly relevant and influential in the financial sector through its practical use. This Keynote will discuss the three game-changers, PSD2, GDPR and Blockchain impacting the industry and will give recommendations for the necessary actions. 

Conference

Blockchain Enterprise Days 2019

Blockchain Enterprise Days (#BeDays19) will take place February 19-20, 2019 in Frankfurt, Germany. Blockchain is still on everyone's lips and is no longer reserved for the financial sector. For this reason, the Blockchain Enterprise Days will focus on further enterprise application areas of interest: Identity Access Management (IAM), Enterprise Resource Planning (ERP) and cybersecurity.

Latest News From Digital Finance

Conference

Blockchain Enterprise Days 2019

Blockchain Enterprise Days (#BeDays19) will take place February 19-20, 2019 in Frankfurt, Germany. Blockchain is still on everyone's lips and is no longer reserved for the financial sector. For this reason, the Blockchain Enterprise Days will focus on further enterprise application areas of…

Whitepaper

Whitepaper: Overcoming PSD2 Challenges with Onegini Connect - 79058

Many changes are coming to Europe's financial landscape due to the Revised Payment Service Directive (PSD2). PSD2 will present new challenges to overcome, as well as potential benefits for Third Party Providers (TPPs) and consumers.  Account Information Service Providers (AISP) and…

Whitepaper

Whitepaper: Preparing for PSD2 technical requirements using RSA solutions - 79062

The Revised Payment Service Directive (PSD2) will drive many changes in technical infrastructure at financial institutions across Europe.  Banks and other financial service providers must quickly prepare for PSD2. RSA provides foundational technical capabilities in their SecurID,…

Blog

Decentralized Identity 101: What It Is and Why It Matters

Guest Author: Vinny Lingham, CEO, Civic Technologies Bitcoin. Blockchain. Crypto. Decentralization. Tokens. A lot of buzzwords have emerged alongside the rise of blockchain technology. Yet, there is often a lack of context about what those terms actually mean and the impact they will…

Blog

Blockchain, Identity, Trust and Governance

On June 15th, 2018 I attended an OIX Workshop in London on this subject. The workshop was led by Don Thibeau of the Open Identity Exchange and Distributed Ledger foundation and was held in the Chartered Accountants’ Hall, Moorgate Place, London.Blockchain and Distributed Ledger…

Blog

Blockchain for Identity – Myth or Potential?

During yesterday’s opening keynote at the EIC (European Identity & Cloud Conference), I brought up (and explained) a slide about the areas where Blockchain technology has the potential of helping solving existing identity problems, either by doing it just better than today or…

Blog

Blockchain Identity – Success Factors and Challenges

When new things arrive, which are still in the pioneering stage and far from reaching maturity, there is always a lot of discussion. This is even more true for Blockchain Identity, where the massive hype around Blockchains, a long history of clever ideas failing, and a few interesting…

Blog

Without Prosecution, There Is No Protection

The Equifax data breach saga continues to unfold. In late 2017, the company admitted it had suffered significant data loss starting in March of last year. There were likely multiple data theft events over a number of months. At some point in May, they notified a small group of customers but…

Blog

BAIT: Clearer Guidelines as a Basis for More Effective Implementation

If legal laypersons (as I am) read legal texts and regulations, they often miss clear and obligatory guidelines on how to implement them in practice. This is not least due to the fact that laws are generally designed to last and are not directly geared to concrete measures. This type of…

Webcast

Daniel Kjellén - Say Goodbye to the Service Formerly Known as Banking – A Case Study on the Changes We Expect to See Across Europe

  Everyone has been talking about how PSD2 will unlock retail banking, opening up the market to new entrants and decrease banks’ power on the market. But if you are looking at the future of finance, look no further than Sweden. Daniel Kjellén, CEO and…

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Blog

Blog

The Ethics of Artificial Intelligence

The Ethics of Artificial Intelligence

Famously, in 2014 Prof. Stephen Hawking told the BBC: "The development of full artificial intelligence could spell the end of the human race." The ethical questions around Artificial Intelligence were discussed at a meeting led by the BCS President Chris Rees in London on October 2nd. This is also an area covered by KuppingerCole under the heading of Cognitive Technologies and this blog provides a summary of some of the issues that need to be considered. Firstly, AI is a generic term and it is [...]

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