Veriženje blokov kot instrument za izboljšanje bančnih procesov
Ključne besede:
veriženje blokov, finančni sektor, bančni sektor, poslovni model, inovacijePovzetek
Ena od najbolj znanih inovacij v zadnjem času je veriženje blokov. Zaradi svoje uporabnosti je sprožila veliko zanimanja na več gospodarskih področjih. V okviru pristopa decentraliziranega sistema ima potencial, da preoblikuje obstoječe panoge ali jih naredi nepotrebne. Takšna tehnologija lahko procesom doda novo razsežnost, kar je v prihodnosti še posebej pomembno za bančni sektor. To kaže na veliko potrebo po obravnavi veriženja blokov z vidika tržnega položaja in konkurence. Namen tega prispevka je zagotoviti vpogled v trenutno strokovno znanje o aplikacijah veriženja blokov v bančnih postopkih. Razen tega so opisane prednosti izboljšanja procesov v finančnem sektorju. Naša raziskava je pokazala, da je na voljo že veliko število izkušenj in ustreznega znanja. Glede na najnovejše raziskave bo ta tehnologija koristno vplivala na poslovne modele bank, njihovo uspešnost in zmogljivosti. Vendar je veriženje blokov še vedno v fazi raziskav in razvoja, kar je ključni vidik za bančništvo.
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