Redecentralisation: Building the Digital Financial Ecosystem
暫譯: 重新去中心化：構建數位金融生態系統
Wandhöfer, Ruth, Nakib, Hazem Danny
- 出版商: Palgrave MacMillan
- 出版日期: 2024-04-23
- 售價: $2,790
- 貴賓價: 9.5 折 $2,651
- 語言: 英文
- 頁數: 219
- 裝訂: Quality Paper - also called trade paper
- ISBN: 3031215931
- ISBN-13: 9783031215933
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相關分類:
區塊鏈 Blockchain
無法訂購
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)
智慧型手機、社交媒體、加密貨幣和數位資產的興起在過去十年中深刻地改變了我們的生活。與此同時，政府、公民和企業之間的關係也在演變，產生了新的挑戰和不平衡，但同時也帶來了機會。
本書專注於金融行業的數位化演變及其對用戶的影響。特別關注新技術的出現，例如區塊鏈、智能合約和人工智慧。日益互聯、以數據驅動的數位經濟，涵蓋了個人和組織生活的許多方面，對監管機構來說也成為了一個挑戰。問題複雜，但也越來越集中，並伴隨著日益增長的不信任趨勢。我們是否應該推動更多的去中心化？
為了闡明這個問題，我們首先提供關鍵概念的概述，並發展出一個高層次的質性框架和方法，稱之為「再去中心化」（Redecentralisation）。
深入探討那些構成我們金融系統板塊變動的技術領域，我們探索金錢和支付的支柱，這些支柱正處於轉折點，取代未來所需的關鍵基礎設施組件，這些組件構成了我們所稱的數位金融生態系統。數位身份和數據隱私也是這個更大拼圖的一部分。
接著，我們展望未來，考慮一些最新的趨勢和「如果」情境。我們在哪裡看到再去中心化在數位金融生態系統中的運作？技術在這方面的角色是什麼，例如 Web3、元宇宙和去中心化金融？再去中心化能否支持人們、政府和企業之間價值觀的對齊？技術在這方面的角色是什麼？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)
露絲·萬德霍費爾 在金融、科技和監管的交匯處工作，熱衷於創造未來的數位金融生態系統。作為銀行、科技和監管領域的專家，她是一位公共演講者，並為金融行業及金融科技社群提供培訓和指導。在花旗銀行的職業生涯之後，露絲目前擔任一家銀行、一家交易所和兩家科技公司的獨立非執行董事，並且是高斯創投的合夥人及英國支付系統監管小組的主席。她還是倫敦市公司、英國標準協會和歐洲第三方供應商協會（ETPPA）的顧問。她是倫敦城市大學貝葉斯商學院（前身為CASS）的訪問教授，並在倫敦銀行與金融學院擔任訪問教授，偶爾在倫敦女王瑪麗法學院授課。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），均由帕爾格雷夫·麥克米倫出版。
哈澤姆·丹尼·納基布 是金融和數位科技專家，曾在加拿大皇家銀行擔任不同職位，並在波士頓顧問集團進行借調。哈澤姆是倫敦大學學院的榮譽研究員，英國藝術皇家學會的研究員，倫敦政治經濟學院系統風險中心的副研究員，以及劍橋大學的訪問研究員，並在英國標準協會的數位戰略諮詢委員會任職。哈澤姆擁有多倫多大學的管理專業學士學位、劍橋大學的法律學士學位和牛津大學的法律碩士學位，以及牛津大學的碩士學位（ad eundem）。
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