Blockchain Use Cases Revisited:Micro-Lending Solutions for Retail Banking and Financial Inclusion  

作　　者：Christian Hugo HOFFMANN 

机构地区：[1]Universily of Zurich,Deputy Director of the Suwiss Fin Tech Innovation Lab,Head of Artificial Intelligence(AD),Plaltenstrasse 14,8032 Zurich,Swilzerland

出　　处：《Journal of Systems Science and Information》2021年第1期1-15,共15页系统科学与信息学报（英文）

摘　　要：While blockchain technology is commonly considered potentially disruptive in various regards,there is a lack of understanding where and how blockchain technology is effectively applicable and where it has remarkable practical effects~([1]).Against this background,we present and discuss a case study at length on the impact of this technology in the concrete setting of small short-term loans in retail banking.We propose to banks a robust and scalable blockchain technology with proof of stake and limited energy consumption used to streamline their processes,resulting in lower transaction and administration costs.This is made possible by smart contracts.Thereby,we facilitate small scale lending at high frequencies and short-term duration as well as an easier and more efficient way to connect small borrowers and lenders.

关 键 词：design science blockchain smart contracts asymmetric information fintech MICROFINANCE 

分 类 号：TP311.13[自动化与计算机技术—计算机软件与理论] F830.5[自动化与计算机技术—计算机科学与技术]