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Please Stop
(jlai.lu)
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this post was submitted on 09 Mar 2024
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Blockchain has been around as a technology for nearly two decades. If financial institutions thought it could help them you can bet they would be all-in on it by now. As it is, blockchain has no significant advantages over traditional financial ledger systems, so what incentive is there for them to use it.
It's not something new or cutting edge any more, just waiting for a bright spark to discover the technology and put it to use.
https://www.coindesk.com/business/2024/03/12/goldman-sachs-bny-mellon-and-others-test-enterprise-blockchain-for-tokenized-assets/
Well, why would banks replace the system which allows them to charge fees for every other interaction with their services? A blockain solution would allow multiple different banks (and, possibly, even regular people) to access the data with no middlemen, and, therefore, no fees. Or, well, no fees that directly end up in the bank's pockets as profit, that is.
Getting rid of that is bad for business. So, unless something magical happens and the EU, for example, pass a law requiring the banks to switch to a more de-centralized, more fair system, it's not going to happen.
That's kind of my point. Blockchain evangelists have been banging the drum for many years saying "This is a perfect fit for the financial industry. Why won't fintech wake up and recognise that?"
When in fact fintech took a long, hard look at blockchain a long time ago and decided "nope, there's nothing here that would tempt us" outside of a few very niche applications.
Yeah I imagine they probably would.
Maybe do a simple Google search next time? They ARE using it. It's getting a ton of investment from them.
Also it's over three decades. Bitcoin wasn't the first. They just popularized a specific type of blockchain
Rather than resorting to that age-old cry of the cult member "do your own research!" can I respectfully suggest that if you're aiming to change somebody's mind, the onus is on you to provide the evidence, not on them. By all means take hours out of your day to search google and compile a list of things that you think will convince me. Me, personally, I have better things to do with my life.
I didn't ask them to do their own research. I asked that, if they are skeptical of a claim I made, either do a simple Google search to check if it's very easily verifiable, or ask me directly instead of immediately saying "you're wrong because I would have heard of it"
Like, I'm happy to provide citations when requested, but lemmy isn't a scientific journal where I'm expected to provide every source for my information up front