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复旦金融评论|区块链如何颠覆金融行业？( 四 )


Blockchain, in many ways, started as a technology on the fringes of the industry, initially invoking images of “Burning Man” and server farms pumping out Bitcoins. Many early adopters and pundits viewed it as a technology that would work outside of what they considered the existing hegemony, one that would rage against the industry rather than play a role in its evolution. Early applications like the Bitcoin and ICOs sought specifically to avoid existing regulation but also exhibited its limitations for the same reason.
As the world has come to understand the technology and its applications in a richer way, Blockchain has become a part of ecosystem-building and has brought together the finance industry and community, rather than serving only those outside of it. It is providing platforms for information sharing, self-regulation, risk monitoring, and investor protection—to the betterment of all.
One of the early adopters and pioneers in this transformation is Greg Schvey, founder of TradeBlock and founder/CEO of Axoni. In this talk, we hear about his journey and his views on the future of Blockchain in the Finance industry, in his own words.
Blockchain from then to now
Charles Chang: What are the key changes since Satoshi that are accelerating adoption in the finance industry? How would you describe the transition from when you originally got interested in Blockchain to where it’s come today?
Greg Schvey: I was originally introduced to bitcoin in 2011 by Jeff, my brother and co-founder. At the time, the community was limited to the members of a couple of online message boards. It was a small but passionate group with a few standout characters from across the globe. The notion that all of the infrastructure based on blockchain tech today originated from an anonymous inventor and subsequently pushed forward on internet forums is something most people today may not be aware of.
Even outside of Blockchain, there is a broader secular trend of technology adoption in finance, including the increasing use of third-party services and/or software where costs can be mutualized across the industry, rather than everyone dealing with the expense, headache, and risk of building and maintain everything on their own. By using external software providers, trading firms can spend their energy generating alpha instead of building the same systems as everyone else. This could be said of nearly every part of a financial institutions’ infrastructure, from servers to risk engines to user interfaces.
The biggest impact though has been from the advancement of Blockchain’s practical application in capital markets after much experimentation and iteration. With every new technology there is an adoption curve, with a few forward-thinking users pressing forward early on and the rest of the cohort catching up eventually. Those early adopters tend to be more forgiving of temporary technical deficiencies and are concerned less about social validation, preferring instead to play a role in technological evolution. With networks now available to immediately offer benefits to end users, the barrier to entry has fallen substantially.


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