La tecnología blockchain, tema estrella de la última edición del Money 20/20

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04.04.2016. Copenhagen, Denmark. Carlos Torres Vila durante su presentaci—n en Money 2020. Money 2020 Europa se centra en las oportunidades y desaf’os que enfrentan los pagos europeos y de la industria de servicios financieros. Foto: © Ricardo Ramirez

CLAVES:

  • Blockchain ocupó uno de los temas centrales en torno a los que giró el debate.
  • La regulación es uno de los temas más controvertidos y que todavía supone una importante barrera para la implantación definitiva de blockchain.
  • Esta tecnología aporta ventajas en cuanto a la eficiencia de procesos de las empresas y velocidad de transacción de los consumidores.
  • Todavía queda un largo camino para convencer al sector de la eficacia de los sistemas de autenticación biométrica.
  • Los bancos han decidido no enfrentarse sino colaborar con las nuevas startups sobre todo en materia de préstamos y servicios a pymes.
  • La realidad virtual es una de las principales áreas de inversión en innovación bancaria.
  • La industria está comprometida con la innovación y el desarrollo de nuevas tecnologías.

La semana pasada tuvo lugar en Copenhague el evento Money 20/20 Europe, una de las reuniones, sobre innovación y nuevas tecnologías, más importantes de la industria financiera y el sector de los pagos a nivel internacional.

El evento de este año, por primera vez especializado en la región europea, tuvo su tema estrella de debate en torno a uno de los asuntos más candentes de la actualidad: la tecnología blockchain.

Con más de 400 millones de dólares invertidos en su desarrollo, según el Informe de Fintech 2016 de KPGM, la tecnología blockchain y sus aplicaciones son el tema del momento. Tres conferencias de la cita europea Money 20/20 en Copenhague abordaron distintas aristas de este asunto, algo que se esperaba sucediera.

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Lo que no todos esperaban era que la polémica se apoderara de la primera de esas tres conferencias. ¿El asunto? la regulación de la tecnología blockchain y la posibilidad de aplicar una criptomoneda como moneda nacional de un país.

La conferencia, denominada “Blockchain y Monedas Digitales: perspectivas regulatorias”, tuvo lugar en Copenhague el 4 de abril y en ella participaron los empresarios del área tecnología Verónica McGregor, Hogan Lovells, Mónica Mónaco y el Dr. Paolo Tasca, Director del Centro para la UCL Blockchain Technologies. También participó Bian Donegan, en representación de la Isla de Man, una dependencia de la corona británica que posee un gobierno autónomo y en cuya economía es esencial la tecnología.

Fuente: Money 20/20 Europe
Fuente: Money 20/20 Europe

Regulación: los estados y el blockchain.

Donegan dio comienzo a la conferencia y se centró en dejar en claro dos puntos centrales; el primero, es que para él y su país la blockchain es un avance positivo. El segundo, es que su gobierno cree que debe ser controlado por el Estado, algo que la comunidad de usuarios de las distintas criptomonedas tiende a ver con particular recelo.

Por su lado, Mónica Mónaco, también valoró “positivamente” a la tecnología blockchain, pero señaló que no siempre fue así. “El primer contrato de mi compañía fue con blockchain y yo era muy escéptica al respecto inicialmente. Pero en un momento dado vi lo complejo e interesante que es la tecnología y las múltiples posibilidades que ofrece”, aseguró la empresaria.

Donegan insistió en remarcar que, a pesar de la volatibilidad de las criptomonedas, en la Isla de Man “nadie ha perdido un centavo cuando se trata de blockchain (y bitcoin)”. Bien distinta es la opinión de McGregor quien, siendo estadounidense, señaló que “las reglas no son las mismas para naciones grandes y pequeñas” y explicó que “Unificar todas las opiniones sobre la regulación de cualquier moneda (digital o no) es muy difícil. Las principales preocupaciones tienden a ser lavado de dinero y los delitos financieros, y cada estado [de Estados Unidos] tiene su propio regulador encargado de las transacciones de dinero”.

Además, McGregor añadió que “hay otras consideraciones a la hora de plantear una adopción de la blockchain como tecnología monetaria medular en un país” y señaló que “incluso si la ley es idéntica se podría interpretar de manera diferente”.

Por su lado, Mónica Mónaco aseguró que desea “seguir siendo positiva en cuanto a que es posible encontrar un punto medio entre la normativa y la esencia de la tecnología blockchain” pero asegura que “ante todo, hay que ser realista”. Y dentro de ese realismo, está el enfoque europeo del problema.

Mónaco aseguró que lo que ve la Comisión Europea (CE) en materia de monedas virtuales es que sirven para la financiación del terrorismo y el uso de tarjetas de prepago. “Esto último, obviamente, proporciona el anonimato que permitiría el incurrir en ilícitos y la CE está tratando de entender cómo se utilizan estos instrumentos a favor de la financiación del terrorismo”.

No obstante, Mónaco hizo la salvaguarda de que “la CE también está analizando los aspectos positivos de las monedas virtualescomo los pagos instantáneos y compensación y liquidación”. Además, añadió que: “Es la primera vez que ve a una industria pedir reglamentación”, aunque ello no sea necesariamente el sentir de la comunidad de usuarios de las distintas criptomonedas.

La conferencia cerró con la intervención de David Bailey, CEO de BTC Media, quien afirmó: “Siento que hay mucho por hacer mientras que se sabe tan poco de la complejidad del tema que hemos abordado. Ante todo, soy escéptico acerca de las personas que dicen que son un experto en blockchain y quizás sólo la propia comunidad de usuarios entienda realmente a fondo sus complejidades”.

CRIPTONOTICIAS. Regulación sobre la blockchain: polémica en el debate de Money 20/20.08 de Abril de 2016 [consultado 11-04-2016]. Disponible en: http://criptonoticias.com/regulacion-sobre-la-blockchain-polemica-en-el-debate-de-money-2020/

Comparadas con el polémico debate que se produjo sobre la regulación y la tecnología blockchain, en esta primera de las conferencias sobre el tema, las dos siguientes realizadas el 6 de abril resultaron más informativas. Las mismas se centraron en los datos reales que muestran cómo el uso y consumo de las criptomonedas ha crecido y cuáles son las alternativas y posibilidades que ofrece la blockchain a las empresas.

Fuente: Money 20/20 Europe
Fuente: Money 20/20 Europe

Aplicaciones en el Mundo de los Negocios.

La conferencia “Aplicando la tecnología blockchain en la empresa” tuvo lugar el 6 de abril y estuvo a cargo de Flavien Charlon, CEO y fundador de Coinsprim. “Tanto para los servicios financieros como para muchas otras áreas,  blockchain tiene un gran potencial para revolucionar la infraestructura y los procesos detrás de toda una serie de propuestas de cara al consumidor”, aseguró el empresario.

Según Flavien, el rol de la tecnología blockchain en las empresas es de ser un optimizador de procesos.La blockchain no es un producto en sí mismo, pero es una herramienta que eficienta procesos”, explicó para luego añadir que “desde el comercio mundial, pasando por las remesas internacionales y la banca, todos tienen puntos en los cuales la tecnología blockchain puede contribuir”.

Blockchain y el Consumidor.

La segunda conferencia que tuvo lugar el mismo 6 de abril sobre la blockchain abordó los cambios que puede ofrecer dicha tecnología desde la perspectiva del consumidor. Bajo el nombre de “Usos del consumidor para la Blockchain“, cinco directivos de empresas abordaron la temática de cómo esta nueva tecnología podía impactar en el cliente final de sus productos.

Los cinco ejecutivos que desarrollaron la conferencia fueron Pascal Bouvier, socio de Santander InnoVentures; Nicolas Cary, co-fundador de la startup Blockchain; Joseph Lubin, CEO de ConsenSys; Jeremy Millar, Gerente de Ledger Partners LLP y Ville Sointu, estratega de Ericsson Mobile Financial Services.

Cuando hablamos de la blockchain, usualmente nos enfocamos en cómo mejorar los procesos en las empresas, pero nunca nos detenemos a pensar en lo que representa para el consumidor”, aseguró Lubin. “Esencialmente, podemos resaltar que al menos en la banca, todos los procesos se hacen más eficientes. La ganancia del consumidor es la velocidad de transacción”, aseguró Bovier.

Por su parte, Millar se centró en la relevancia de que con blockchain se puedan almacenar datos de forma casi ilimitada. “Todo lo que un individuo hace queda registrado. Estamos hablando de una herramienta muy útil para verificar la identidad y contribuir a la seguridad particular de un usuario”, explicó.

Creo que las empresas están tan emocionadas con el potencial de la blockchain, que a veces lo que llega al público es la emoción mas no su implicación para el consumidor. Pero es innegable que es tremenda” cerró Sointu.

CRIPTONOTICIAS. Money 20/20 Europe debatió consumo y aplicaciones de la Blockchain. 08 de Abril de 2016 [consultado 11-04-2016]. Disponible en: http://criptonoticias.com/money-2020-europe-debatio-consumo-y-aplicaciones-de-la-blockchain/

Autenticación biométrica, servicios para empresas y financiación de startups, protagonistas de la última sesión.

La presentación “Biometric identity and its applications in financial services and payments” comenzó con el moderador lanzando la siguiente pregunta a la audiencia: ¿Cuántos de vosotros contáis con autenticación biométrica en vuestros teléfonos móviles? A lo cual el 98% de los asistentes respondió afirmativamente. Hace tan solo unos pocos años atrás ese porcentaje era muy inferior.

Según el ponente, la industria de los servicios financieros debe estar coordinada con otros sectores como el automovilístico o el informático a la hora de hablar de sistemas biométricos.

Una de las principales barreras para la adopción definitiva de estos sistemas es la barrera cultural. Tanto en Estados Unidos como en Europa existe una tendencia entre los consumidores a querer preservar su anonimato en la red. Las personas están muy preocupadas acerca de preservar su identidad.

El resto del debate giró en torno a la cuestión de si existen datos que certifiquen el éxito de la biometría a la hora de combatir el fraude. ¿Hay pruebas?

Lo cierto es que el ponente fue incapaz de mostrar una evidencia o dar una respuesta que aclarase las dudas de la audencia. Existen demasiadas variables para medir de forma eficaz este hecho.

Fuente: Money 20/20 Europe
Fuente: Money 20/20 Europe

Durante otra de las ponencias, titulada “Identity, security and fraud prevention in mobile: The route to a secure mobile experience” se trataron también algunos de estos mismos asuntos en el ámbito de la biometría.

Una de las observaciones más interesantes que vino de la mano de la audiencia tuvo que ver con la ineficacia del sistema de autenticación de huella dactilar.

Según comentaban desde el público: “En Reino Unido existen importantes lagunas en cuanto a su funcionamiento. Se hace necesario situar el dedo dos o tres veces en el dispositivo y todo después de un tedioso procedimiento de acceso. No ha habido cambios desde los últimos ocho años”.

Por tanto, todavía existe un largo camino para conseguir convencer a la audiencia de la fiabilidad y la facilidad de uso de estos sistemas biométricos.

En la ponencia “Solutions for SMEs: A financial services goldmine”, se comentó cómo en el caso de los países nórdicos, las Pymes representan el 60 o 70% del PIB generado, y esta cifra está creciendo.

Esta situación es igual o incluso superior en la mayoría del resto de países europeos, así que la oportunidad para los bancos y las pequeñas firmas de crédito se presenta muy jugosa.

Desde el sector de la banca tradicional se llegó a la conclusión de que las grandes entidades no pueden ser las mejores en todo y este es un caso muy concreto en el que deben abrirse a colaboraciones con otras empresas más pequeñas. Sin embargo, es todavía demasiado pronto para proclamar la muerte de la banca tradicional.

En la última ponencia, “VC power panel: Strategic vs. financial investment” tuvo lugar una interesante discusión sobre el venture capital y las nuevas firmas de fintech.

Una de las estadísticas que se presentó en la ponencia mostraba cómo una de cada cuatro inversiones de venture capital a nivel global, en la actualidad, está destinado a firmas del sector fintech.

Un representante de Samsung Europe, habló claramente sobre los pasos que están siguiendo en materia de VC y sus planes a futuro: “estamos invirtiendo en realidad virtual y ese va a ser el punto clave del futuro. Estamos trabajando con los bancos en este sentido, ya que los millennials han demostrado no querer ir más a las sucursales”.

Un ejemplo de acción en este sentido se puso con el caso de Starbucks, que en un momento dado podría contar con un espacio de realidad virtual para que la gente interactuase con los bancos de una forma completamente distinta.

Citi es otra de las entidades que está realizando pruebas piloto de sistemas de realidad virtual para sus actividades comerciales.

Cuando el moderador puso sobre la mesa la idea de que, en la actualidad, las fintech están haciendo lo que los bancos deberían estar haciendo, un representante del Banco de Santander comentó que ya no se debe pensar en la idea de “nosotros contra ellos” si no que ambos tipos de compañías navegan en una misma dirección.

Tanto en estas jornadas de Copenhague, como en las celebradas en el evento Sibos 2015 de Singapore, quedó demostrado que los grandes bancos tienen la vista puesta en el asunto de la innovación o están estableciendo laboratorios para desarrollarla. Por tanto, existe una banca comprometida con la innovación y la tecnología, y está dispuesta a aceptar los desafíos.

BANKING TECHNOLOGY. Money 20/20 Europe: Biometric identity, SMEs and final day’s sessions round-up. 07 de Abril de 2016 [consultado 11-04-2016]. Disponible en: http://www.bankingtech.com/469782/money-2020-europe-biometric-identity-smes-and-final-days-sessions-round-up/

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