swift ・The Society for Worldwide Interbank Financial Telecommunication (SWIFT) announced that it is looking at the blockchain technology that powers Bitcoin as part of new global money transfer initiative. ・銀行間送金、国際送金は全て分散型レジャーに置き換えられるのか？ ・swift, R3CEV, Ripple, Dragonfly Fintechは全て競合する？ ➡ インターバンクというプロトコルをインターネット上に作る？ ＝ つまり、ブロックチェーン上に作る
Central Bank Digital Currency A CBDC could be issued by a central bank to widen access to the central bank’s balance sheet. Liabilities on the central bank’s balance sheet include banknotes and commercial bank reserves, and are the means of settlement for all of the economy’s transactions. Currently, only banks can hold deposits at the Bank of England. A CBDC could open up access to these liabilities to specific groups of financial services firms, or even to individuals. 中央銀行がデジタル通貨を発行すると、個人が直接アクセス可能
Blockchain as a Clearinghouse “The main point here is that the important innovation in Bitcoin isn’t the alternative unit of account … but its settlement technology, the so-called “distributed ledger.” This allows transfers to be verifiably recorded without the need for a trusted third party. It is potentially valuable when there is no such institution and when verifying such information on a multilateral basis is costly,” said Ben Broadbent, Deputy Governor of the Bank of England
Citi Is Working on ‘Citicoin’ for Cross-border Payments ・ビットコインが広く普及するかは定かでないが、デジタルマネーの普及は避けられな い。理由は潜在的な優位性のため ・Fedcoin, Eurocoin同様に、Citicoinを実験中 “Due to the potential benefits, we believe the adoption of Digital Money is inevitable,” noted the Citi document. “While we believe that the use of Digital Money is certain, the future of specific cryptocurrencies such as Bitcoin is less clear.” ・CiticoinをM-Pesaの様な銀行口座を持たない人への解に使いたいとの事（ケニヤ では40%が銀行口座を持つが、70-80%が携帯電話を持つ） https://bitcoinmagazine.com/21077/citi-working-citicoin-cross-border-payments/
Citi First, Citi says "banks have a very valuable asset in the form of their large identifiable customer-base." That's true. It's much harder to win new customers than it is to keep them, and the banks will work very hard to keep their customers. Secondly, banks have "unmatched experience when it comes to handling burdensome financial regulation." Again, that's certainly true. Many fintech companies benefit from the fact that they are currently unregulated or too small to face any meaningful regulatory burden. But if the sector is to thrive and grow it will have to come to terms with regulation — something banks have been doing for years.
Citi But Citi's third argument is that "banks benefit from a relatively strong track record of safekeeping assets, and therefore have earned a certain amount of trust and credibility." Given that banks are still fessing up to billion-pound fines almost weekly, the words "trust" and "credibility" are probably not the first you'd associate with large banks these days.
Barclays, U.K. Regulators Endorse Bitcoin With Startup Barclays Plc and the U.K.’s Financial Conduct Authority opened the British market to Circle Internet Financial Ltd., a startup that uses bitcoin to allow users to send each other payments, in a sign that global banks and regulators are overcoming their reservations about the cryptocurrency. U.K. consumers will be able to use Circle’s “social payment app” to transfer sterling for free, the Boston-based company said Wednesday in a statement. http://www.bloomberg.com/news/articles/2016-04-06/barclays-u-k-regulators-embrace-bitcoin-in-deal- with-startup