Blockchain is the general trend
There is no doubt that blockchain has development prospects, and the necessary condition for development prospects is to enter the mainstream market
North America blockchain infrastructure the oan (former aion network) founder and CEO Matt spoke published an article entitled "in order to successfully enter the mainstream market, blockchain projects must" eat dog food "in Forbes on July 24, in which Matt mentioned his views on how blockchain should enter the mainstream market - & quot; Eat dog food
in the science and technology circle, there is a jargon called & quot; Eat dog food Dogfood (also known as eating your own dog food) refers to companies using their own procts and becoming users of their own procts. Many high growth companies (such as Microsoft, Facebook, Amazon, apple, Netflix and Google) also test their procts by "eating dog food" or help build credibility“ "Eat dog food" is often used to find and fix bugs, but it has another value: to create reliable use cases for the company's procts
this is worth learning from blockchain projects, because blockchain projects often hold & quot; Once built, they (users) will come naturally, which habitually leaves the responsibility of creating new and interesting blockchain applications to a third party
this attitude is very common, even the well-known blockchain summit consensus 2019 also held a conference entitled & quot; Once built, they (users) will naturally come: to build a global blockchain Center & quot; To discuss how governments around the world can make efforts to attract blockchain projects while balancing regulatory, investment and innovation needs
to be fair, this strategy may be effective for blockchains that only focus on people in the currency circle. For the security token, especially for the exchange represented by the transaction, it makes more sense - "supply creates demand" is the usual idea here, especially considering that the realization of these transactions requires the construction of complex infrastructure
in contrast, "eat dog food" is more likely to be adopted by blockchain project developers who seek mainstream audiences (such as those in financial instry, manufacturing and supply chain, identity management, etc.). If blockchain technology wants to enter these mainstream fields, blockchain companies must first "eat dog food". This can not only clearly prove that blockchain technology is feasible outside the coin circle, but also highlight that blockchain can not only optimize existing use cases, but also create new use cases
and the oan team has been adhering to this concept, and relying on the oan and aion's technology stack built over the years, it has developed a financial technology platform moves for independent workers
Matt said that in the development and development of moves, the team hopes that the relevant functions of the OAN blockchain network can be brought into full play, so it will focus on the following three aspects:
1. How to use the OAN blockchain network to improve the credit efficiency of the proct there are two main considerations to improve credit efficiency: 1) can we use the mechanism of the defi market to rece the cost of capital; 2) Can the blockchain technology be used to increase the external trust in the credit process of moves. Here, moves will form a mechanism of "pooling wisdom", so that everyone can contribute to recing credit risk and increasing the credibility of credit process, and may even develop a micro guarantee mechanism in the future. Therefore, users will be able to participate in the market established by the platform as borrowers, lenders or guarantors
specifically, by connecting moves with the oan network, and with the help of digital asset aion, a relationship of interest consistency is formed between procts and users, so that users can personally experience the success of moves procts and directly participate in the oan, a blockchain network supporting moves
3. How to create the first open system of financial reputation data with moves
this open system may become a substitute for traditional credit scores or related mechanisms. Over the years, banks and financial institutions have been using Equifax, Fico or other similar institutions' scores as risk indicators, and the moves team believes that the procts they are building will be a good start - the beginning of a more perfect and modern financial reputation system. This is a long-term goal
moves supports North American mainstream carpooling, take out and other casual work economic platforms, and will be the flagship open application developed by the oan on its blockchain network. In June, moves expanded its operations from Ontario to Alberta and British Columbia into western Canada
all the initiatives of the oan team adhere to the spirit of "eating dog food" and strive to make blockchain technology enter the mainstream market as soon as possible. Blockchain is not for the minority, but for the mainstream. In addition to the oan team, many projects and institutions in the blockchain instry are also aiming at this goal. Can you say that such an excellent and targeted blockchain has no development prospects
driven by policy and market, China's blockchain related instries are expected to move from virtual to real
in the context of rapid development of blockchain, China should comply with the needs of globalization, keep up with the international pace, and actively promote the research, standardization and instrialization development of domestic blockchain related fields. Compared with the increasingly stringent supervision of bitcoin and other digital currencies, the support and encouragement of blockchain technology has reached a consensus in the world, and the domestic blockchain technology will also receive national and local policy support in the next few years. Driven by policy and market, blockchain related instries are expected to move from virtual to real, and blockchain technology will accelerate the exploration of possible application scenarios< According to the data of the "in depth analysis report on business model innovation and investment opportunities of blockchain instry" released by foresight Instry Research Institute, the global blockchain market scale is expected to increase from US $411.5 million in 2017 to US $7683.7 million in 2022, with a compound annual growth rate of 79.6%. In view of the wide application range of distributed ledger, the rising market value of cryptocurrency, the strong demand for improving transparency, security, efficiency and simplifying process, and the popularity of blockchain as a service (
baas), the blockchain market will expand rapidly. In addition, communication services, international trade, supply chain management, programming platform, payment, smart contract, digital authentication and so on are also in urgent need of blockchain technology, which will create a lot of growth opportunities
as an integrated application of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and other technologies, blockchain has become a research hotspot of the United Nations, the International Monetary Fund and other international organizations as well as many national governments in recent years, and the instry has also increased investment. At present, the application of blockchain has extended to the Internet of things, intelligent manufacturing, supply chain management, digital asset trading and other fields, which will bring new opportunities for the development of cloud computing, big data, mobile Internet and other new generation information technology, and have the ability to trigger a new round of technological innovation and instrial change
by 2022, the payment sector may occupy the largest share of the blockchain market
relying on blockchain technology, real-time payment of assets can be realized, which not only has the characteristics of tamper proof and digital authentication, but also can greatly save the cost of settlement for financial institutions and banks. In addition, blockchain makes payment automation possible, eliminates the need for middlemen, and saves labor costs and time for buyers and sellers. Thanks to the above advantages, it is expected that the payment sector will be the heaviest one in the whole blockchain market
the fastest growing region will be the Asia Pacific region.
blockchain service providers in the Asia Pacific region are good at designing and developing cryptocurrency platforms with friendly interface, cost saving and high speed, and extending the application of blockchain in many instries. Both large enterprises and small and medium-sized enterprises are actively seeking risk financing, investing in and developing the most cutting-edge blockchain technology. In addition, the real estate instry of some countries in the Asia Pacific region is expected to rapidly transform from translucency to full transparency, which also helps to enhance the development prospects of blockchain in the Asia Pacific region.
1. Blockchain is a distributed database (system) placed in a non secure environment
2. The blockchain uses cryptography to ensure that the existing data cannot be tampered with
3, the blockchain uses consensus algorithm to reach consensus on new data
the system with the above three properties is blockchain.
blockchain is the underlying system of distributed ledger in bitcoin. Bitcoin ledgers are built in a distributed and spontaneous way. Anyone can generate new currency blocks by performing specific cryptographic calculations, so as to obtain a digital "currency" that can be used for transactions. Bitcoin's impact on the world monetary system can be said to be subversive, which is also an important reason why it has attracted a lot of people's strong attention since it came out. After that, there were dozens of similar electronic currencies such as
"lightcoin". The abstract extraction of distributed digital currency technology from bitcoin forms a "blockchain" technology, which can be used in more fields
the basic idea of blockchain is to establish a network-based public ledger (data block), each block contains the information of a network transaction. All the participating users in the network work together to keep accounts and check accounts. All the data are open and transparent, and can be used to verify the effectiveness of the information. In this way, the authenticity and non tamperability of information can be guaranteed at the technical level without the central server as the trust intermediary
the significance of blockchain lies in "decentralization", which can fundamentally solve the fraud and rent-seeking phenomenon in value exchange and transfer by building a more reliable network system. With the popularization of blockchain technology, the digital economy will be more authentic, and the economic society will become more fair and transparent
not only digital currency, but also blockchain technology is infiltrating into more innovative fields.
virtual digital currency such as bitcoin is just an application scenario of blockchain technology. Theoretically speaking, based on the characteristics of blockchain technology, human beings can create a very rich form of services and procts, such as finance, government, enterprises, etc There are a large number of scenarios suitable for blockchain technology in cross instry and other fields, with broad prospects. At present, many countries around the world have started the research of blockchain technology, and a series of instry organizations and alliances have been established. However, as blockchain technology is a brand-new technology, which subverts the traditional centralized mode, major institutions are still in the research stage, with only a small number of actual projects landing, and the great development of the instry has just begun
now, blockchain economy is on the eve of outbreak. The exploration of financial instry is ahead of others, while the application of other instries is developing rapidly. The obvious advantage of blockchain instry application is to optimize business process, rece operation cost and improve collaborative efficiency. This advantage has been graally reflected in financial services, Internet of things, public services, social welfare and supply chain management
as the backbone of emerging technologies, blockchain is not only used in the field of virtual currency, but also in other fields such as finance, medical care, intellectual property certification, etc. a large number of excellent enterprises have emerged in China to explore or enter the blockchain instry. According to the in-depth analysis report on business model innovation and investment opportunities of blockchain instry released by foresight Instry Research Institute, as of the end of 2016, there were 105 blockchain related enterprises in China, 80% of which were concentrated in eastern coastal cities, including Shanghai, Hangzhou and Taipei
from the perspective of global blockchain technology application development, as of April 2017, financial service companies accounted for 55.43% of the 267 blockchain venture capital companies; From the perspective of the Chinese market, 34 of the top 50 blockchain venture capital companies in 2016 are involved in financial services, mainly in cross-border payment, bill discounting and financial service platform<
analysis of the development trend of blockchain
the combination of blockchain and cloud computing is more and more close, and baas is expected to become a public trust infrastructure
cloud computing is the general trend. We believe that the combination of blockchain and cloud is also an inevitable trend. There are two modes for the combination of blockchain and cloud, one is blockchain in the cloud, the other is blockchain in the cloud. The latter, namely baas, blockchain-as-a-service, refers to that the cloud service providers directly provide blockchain as a service to users. In the future, more and more cloud service enterprises will integrate blockchain technology into the ecological environment of cloud computing. By providing baas function, they can effectively rece the deployment cost of enterprise application blockchain and rece the initial threshold of innovation and entrepreneurship
the security problem of blockchain has become increasingly prominent, and security protection needs the overall consideration of technology and management
blockchain system is almost perfect mathematically, with the advantages of openness and transparency, difficult to tamper, reliable encryption, anti DDoS attack, etc. However, from the engineering point of view, its security is still restricted by infrastructure, system design, operation management, privacy protection and technology update iteration. In the future, we need to consider the overall situation of technology and management, strengthen basic research and overall protection, so as to ensure the application security
the competition of blockchain is becoming increasingly fierce, and patent competition has become an important field of competition
with the increase of participants, the competition of blockchain will become more and more fierce, and the competition is all-round, including technology, mode, patent and other dimensions. We believe that in the future, enterprises will strengthen the layout of blockchain patents. Since 2014, the number of blockchain patent applications has grown explosively. Blockchain patents are mainly distributed in the United States in North America, the United Kingdom in Europe, China and South Korea in Asia, and this pattern will be maintained in the future. The patent gap between China and the United States is narrowing, and the number of applications in China in 2016 has surpassed that in the United States. It can be predicted that the patent competition of blockchain will become increasingly fierce in the future
with the acceleration of domestic policy process, the development of the instry ushers in a new opportunity
blockchain has attracted attention from all walks of life e to its core advantages of high performance, high security, high-speed access, efficient operation and so on. In the context of the rapid development of blockchain, China conforms to the needs of globalization, closely follows the international pace, and actively promotes the research, standardization and instrialization development of domestic blockchain related fields
trustworthiness is the core requirement of blockchain, and the importance of standards and specifications is becoming increasingly prominent
in the future value delivery network based on blockchain, we will completely use algorithms and software to build the trust foundation. However, we believe that this is far from enough, and we need the standard to increase the credibility of the blockchain. In the future, the standard of blockchain will standardize the technology and governance of blockchain from the perspective of users, business oriented, and from the dimensions of smart contract, consensus mechanism, private key security, and authority management, so as to enhance the credibility of blockchain and add weight to the trust of blockchain.
the expansion of blockchain is the general trend, but there are differences in the specific operation. According to the different levels of blockchain architecture, the instry has proposed a number of expansion solutions: first, optimize the data transmission protocol for the underlying data layer of blockchain, do not change the upper structure of blockchain, and improve the scalability, such as bloxroute, the 0-layer expansion scheme of blockchain; The second is to change the data structure and consensus algorithm to improve the scalability of the basic protocol of blockchain, such as DAG (directed acyclic graph), fragmentation, dpos algorithm, etc; Third, aiming at the application level, such as side chain, sub chain, state channel lightning network and so on, part of the on chain transactions are transferred to the off chain execution to rece the on chain processing pressure and improve the overall efficiency.
Blockchain is the general trend of the tuyere project, but when choosing blockchain projects, we must shine our eyes and find a team with technology, application and real down-to-earth work. Otherwise, it may come to nothing, because since it is a trend, naturally there are a lot of speculation and fraud projects
here, we mainly introce utispace, the first blockchain distributed storage project with perfect technology and real application in the world
investment highlights
a brief introction to utispace: is 5g coming? Have big data, artificial intelligence, wearable devices, Internet of things and AI entered our lives? Is the phone running out of memory
stuck
the high-speed information flow inevitably needs infinite storage space, but the current storage space is never enough
for example, the storage space of 4G mobile phone determines the price of mobile phone, but what about 5g mobile phone? More to 10 times the demand for 4G space storage, the price will be expensive
where there is demand, there is market. In the past, we need to build a big data storage base station for big data storage. The cost is very high. It costs 10 billion yuan at any time, and the security is very low (the base station will be hot and prone to fire and earthquake, what should we do? If hackers attack all data, they will be paralyzed). In addition, no matter how big the base station is, its storage capacity is limited, and it can never meet the demand of doubling the amount of data generated by the market, resulting in a large number of useful data homeless. At present, 67% of the data has been deleted, which is a great loss
so who can solve the data storage with large storage, high security, low cost and low energy consumption
today, the decentralized distributed storage space of China's own brand utispace, together with the digital pulse chain Laboratory of Zhejiang University, has solved this worldwide problem. Thus, it takes the lead in occupying the big cake of distributed data storage
in the current competitive situation where there is little proct difference among banks, leaders at all levels must consider improving service quality at the strategic level and take improving service quality as the overall basic work. Adhere to the scientific development concept of "people-oriented", attach importance to the cultivation and improvement of people's quality, study the market rules and customer needs, and apply scientific and technological means to implement high-quality service in every link of the bank's work. We should take the improvement of service quality as an important competitive means, and pay attention to both performance and service< (2) to increase the motivation of employees
the theory of motivation tells us that motivation is to improve the work enthusiasm of employees and guide their behavior in enterprise management by influencing the realization of their personal needs. First, establish and implement the job rotation mechanism, make career planning according to the staff's specialty, interest, ability and personality, provide a rising channel, make the post match the energy level and quality of the staff, rece the waste of human resources, make the best use of the talents, and enable the staff to improve the service quality with hope and spontaneity, Finally achieve the goal of win-win development of employees and enterprises. Second, improve the performance appraisal methods. On the one hand, take the improvement of service quality as an important evaluation index, and bring it into the income distribution to encourage employees to compare, learn, catch up and surpass; On the other hand, establish the concept of full service, the front-line staff of the bank is to serve customers, and the service object of back office staff and departments is the front-line staff. According to the 360 degree performance appraisal theory, the front-line staff should be given the right to speak in the appraisal of back office staff and departments
(3) scientifically plan counter business
first, strengthen and guide customers to use self-service equipment to rece the workload of traditional counter business. The author found that the main business of queuing customers is deposit and withdrawal, payment, transfer and so on; These businesses can be handled on self-service equipment. On the basis of improving the function of self-service equipment, we should strengthen the guidance of self-service equipment through various channels. For example, the hall manager and the hall guide take the initiative to introce the functions of self-service equipment to customers, publicize the safety and reliability of self-service equipment, guide customers to use self-service equipment, and divert customers in line; Set up "business guide board" in the business hall to remind customers to use self-service equipment to handle deposit and withdrawal, one card payment, transfer business, etc., cultivate customers' awareness of using self-service equipment, and establish the brand image of self-service equipment business
the second is to vigorously promote online banking. At present, customers don't use online banking mainly because they don't know enough about the functions of online banking, and they lack experience, security and identity in the use of online banking. It is particularly important to do a good job in the follow-up service of online banking promotion and help customers solve various problems in the process of installation and use
the third is to implement the integrated teller system in the outlets that accept more business. Through the integration of accounting, cashier, savings business and process, and the adjustment of the post division of counter staff, the service quality and efficiency can be improved to a certain extent< (4) expanding the scope of service training
the uneven ecational level, comprehensive quality and professional level of banking service personnel will inevitably lead to large differences in service efficiency. For banks, the difference between the fast and slow business of the counter staff is 2 times that of Kwai TSE. However, most of the bank service training stays at the level of etiquette training, and the training content only involves appearance, polite language and so on. The author thinks that service training should also include professional ethics, laws and regulations, marketing, business skills, business system, teamwork and self motivation. From the perspective of the scope of training objects, the object of service training is only the counter staff, and I think the lobby manager should also be included. In dealing with disputes between customers and banks, the lobby manager plays an important role in assisting counter staff in compliance operation and coordinating contradictions between both sides. Therefore, the bank should bring the lobby manager into the training object category of business system and accounting standards.