新足迹

 找回密码
 注册

精华好帖回顾

· [全球金融危机对我和我身边的人影响征文] 学费打工等等(原来我是第一个,哈哈) (2008-10-25) 韬光养晦 · 草莓起司蛋糕 (2007-8-17) datou2z
· 邪恶SYDNEY一周年纪念 (2006-8-18) babybear · 征文--难忘一刻 (2005-1-25) amy
Advertisement
Advertisement
查看: 1941|回复: 3

汇丰银行认为虚拟货币未来3到5年会成为主流 [复制链接]

发表于 2012-6-5 19:19 |显示全部楼层
此文章由 richbb 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 richbb 所有!转贴必须注明作者、出处和本声明,并保持内容完整
今天澳洲Financial Review科技版一篇报道很有意思,原文如下:

Banks get ready for virtual cash

DAVID RAMLI AND RUTH LIEW

VIRTUAL CURRENCY
e-cash is king
HSBC is working under the assumption that virtual cash will become mainstream within 3-5 years.
Regulator headache
The Reserve Bank of Australia is looking into virtual cash but experts warn it will be difficult to monitor and manage.
Fight for supremacy
Virtual currency is set to be a point of friction as technology companies like Facebook compete against banks to be the main game.


Leading financial institutions and experts are betting that virtual currencies such as those used in video games will become mainstream tender in the real world within three to five years.

HSBC’s global head of e-channels strategy and innovation, Andrew Davis, says his bank is gearing up under the assumption that virtual currencies would soon become a normal way of buying goods and services.

The rise of virtual currencies would signal a leap forward in the way people conduct transactions, while further blurring the line between online and real world retail shopping.

Where traditional currencies such as the Australian dollar are guaranteed by governments, virtual currencies such as BitCoin often have no central organising groups or value.

But despite the risks, usage is rising.

“We have a planning assumption that virtual currencies will become mainstream in three to five years,” Mr Davis said. “One of the reasons why we need to reach a view two to four years out is to influence our decisions around enterprise architecture, because it doesn’t change very often.

“How people place value on things won’t just be with hard currency in the future and we’re already seeing micro-currencies emerge around the world.”

Mr Davis made the comments during the PushStart FinTech Forum in Sydney, which brought large corporate banks and technology start-up companies together.

Macquarie Bank’s head of wealth management technology, Stephen Dunn, agreed that virtual currencies would become mainstream as cash and credit cards became less important, but said the key for banks was to make sure customers could use whatever form of payments they wanted.

“I don’t think cash or credit cards will disappear in less than five years but I think it won’t be as dominant,” he said. “But we shouldn’t be ruling it out today.”

Mr Davis said one example of virtual currency’s rising importance was American Express’s May launch of a card that rewards customers with “FarmVille” cash that can only be spent inside the popular computer game played by more than 80 million Facebook users. The virtual currency is spent by gamers who want to upgrade their virtual farms with items like fences, hay bales and buildings.

The RBA has considered virtual currencies as part of its report on innovation, due for release in the next two weeks. In its February 2012 summary of submissions, the RBA said organisations had “highlighted the emergence of ‘virtual currencies’, such as Facebook credits, and urged consideration of how these might interact with traditional payment systems”.

The Commonwealth Bank, Microsoft and PayPal all provided submissions discussing the challenges and opportunities raised by virtual currencies. And in February, CBA used an official blog posting to discuss whether or not virtual currency would mean the end of cash.

“The virtual cash revolution has ­fostered a means of exchange that is independent of both the banks and the state,” it said.

“But just like video didn’t kill radio, virtual currencies and online trading won’t herald the end of real-world currency and ­trading.”

City Index FX strategist Kara Ordway said virtual money could easily be a tradeable commodity not unlike the Australian or US dollar, once market demand and supply was established.

“Everything is becoming electronic – people are talking about a paperless foreign exchange market,” she said. “If you haven’t got physical Australian dollars [trading], what’s to stop there being some kind of internet or technology-related currency?”

University of NSW economist Tim Harcourt said HSBC was a good leading indicator of financial trends and virtual currencies would become more important as Australians used less cash.

“The more retail becomes international because of online retail  . . . the more demand there will be for [virtual currencies],” he said. “I think virtual currency won’t become universal within three to five years, but it will certainly be common.”

Mr Harcourt said loyalty point alliances between companies such as airlines and retailers could lead to reward points being worth value in a range of stores as they formed alliances. But the Australian dollar would still be the backbone of the economy for now, he said.

“We still earn Australian dollars and it’s our main means of exchange, but this will be another means of exchange that people will use to ­exercise choice,” he said.

CSC general manager of financial services Stephen Kowal said companies and institutions were battling to become the hubs for new virtual ­currencies.

“You want to be the payments provider for this [phenomenon]. Virtual currency will just be another exchange rate, next to your, say, ­Aussie dollars,” he said. “People don’t trust virtual currency yet  . . . but it’s not a matter of if but when. Maybe not in the next three to five years but ­definitely in the  . . . next 10.”

He said regulators such as the RBA and the US Federal Reserve had to think of new ways to tax and manage virtual currencies as it became a valuable global commodity.

“You want to be the payments provider for this [phenomenon]. But I think the real institutions that could really control this are the [technology] companies themselves,” he said.

“If you use a company like Facebook as an example, it has 900 million users. If you give each of them a virtual $10 token for instance, you instantly get a tradeable currency. It’s like a country of its own. It instantly becomes a hub of this trade.”

The Australian Financial Review

[ 本帖最后由 richbb 于 2012-6-5 18:21 编辑 ]
RunRun
Advertisement
Advertisement

发表于 2012-6-5 19:21 |显示全部楼层
此文章由 denn 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 denn 所有!转贴必须注明作者、出处和本声明,并保持内容完整

发表于 2012-6-19 10:13 |显示全部楼层
此文章由 50875429 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 50875429 所有!转贴必须注明作者、出处和本声明,并保持内容完整
想法很大胆。
头像被屏蔽

禁止访问

发表于 2012-7-11 23:11 |显示全部楼层
此文章由 umehomes 原创或转贴,不代表本站立场和观点,版权归 oursteps.com.au 和作者 umehomes 所有!转贴必须注明作者、出处和本声明,并保持内容完整
这想法几年前玩网游的时候就产生过, 在一个虚拟的世界里创造一个虚拟的金融环境, 并且可以和现实世界中的金融体系联系起来,
里面涉及到太多的问题, 虚拟金融体系中的货币总量, 通货膨胀的控制, 虚拟财产的估价, 虚拟货币与实体货币的兑换标准, 最要命的是如果有N个不同的虚拟金融体系, 他们之间还存在交易和兑换的问题

这个课题太大, 想法太超前

发表回复

您需要登录后才可以回帖 登录 | 注册

本版积分规则

Advertisement
Advertisement
返回顶部