{"id":20597,"date":"2024-07-03T16:08:43","date_gmt":"2024-07-03T14:08:43","guid":{"rendered":"https:\/\/neum.hu\/?p=20597"},"modified":"2024-07-03T16:08:43","modified_gmt":"2024-07-03T14:08:43","slug":"kriptovaluta-a-bankszektorban-hatrany-vagy-uj-lehetoseg","status":"publish","type":"post","link":"https:\/\/neum.hu\/en\/kriptovaluta-a-bankszektorban-hatrany-vagy-uj-lehetoseg\/","title":{"rendered":"Kriptovaluta a bankszektorban: H\u00e1tr\u00e1ny vagy \u00faj lehet\u0151s\u00e9g?"},"content":{"rendered":"<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A blockchain els\u00f6pr\u0151 sebess\u00e9ggel robbant be a k\u00f6ztudatba, amikor a Bitcoin \u00e9s m\u00e1s kriptovalut\u00e1k \u00e9rt\u00e9ke az egekbe sz\u00f6k\u00f6tt, \u00e9s a h\u00edrek tele voltak blockchain alap\u00fa siker- \u00e9s kudarc t\u00f6rt\u00e9netekkel. Az els\u0151dleges \u00e9rme kibocs\u00e1t\u00e1sok (ICO-k) sorra d\u00f6nt\u00f6ttek rekordokat, \u00e9s vil\u00e1gszerte emberek milli\u00f3i kezdtek el \u00e9rdekl\u0151dni a technol\u00f3gia ir\u00e1nt. Szinte minden tech konferencia f\u0151 t\u00e9m\u00e1ja a blockchain lett, \u00e9s a m\u00e9di\u00e1ban is folyamatosan reflektorf\u00e9nybe ker\u00fclt. A kezdeti lelkesed\u00e9st k\u00f6vet\u0151en azonban al\u00e1bb hagyott n\u00e9pszer\u0171s\u00e9ge, ahogy a piac egyre ink\u00e1bb tel\u00edt\u0151d\u00f6tt \u00e9s a technol\u00f3gi\u00e1t \u00f6vez\u0151 felhajt\u00e1s csillapodott. Azonban azt b\u00e1tran kijelenthetj\u00fck, hogy ez id\u0151 alatt nem csak az \u00fczleti vil\u00e1g \u00e9s az IT szakemberek sz\u00edv\u00e9be lopta be mag\u00e1t, hanem a h\u00e9tk\u00f6znapi emberek tudat\u00e1ban is m\u00e9ly nyomott hagyott, hiszen a blockchain technol\u00f3gia olyan fogalmakat \u00e9s lehet\u0151s\u00e9geket hozott be a k\u00f6ztudatba, mint a decentraliz\u00e1ci\u00f3, az adatbiztons\u00e1g \u00e9s a digit\u00e1lis p\u00e9nz\u00fcgyi szabads\u00e1g. A k\u00e9rd\u00e9s csup\u00e1n annyi, hogy milyen forradalmi fejleszt\u00e9seket hozhat mag\u00e1val a p\u00e9nz\u00fcgyi vil\u00e1gban \u00e9s van-e j\u00f6v\u0151je a technol\u00f3gi\u00e1nak?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/fintech.hu\/a-blockchain-alkalmazasa-a-penzugyi-szektorban\/\"><strong>blockchain<\/strong><\/a> j\u00f3l ismert decentraliz\u00e1lt mivolt\u00e1r\u00f3l, pontosabban arr\u00f3l, hogy egy megosztott adatb\u00e1zison kereszt\u00fcl, k\u00f6zvet\u00edt\u0151k n\u00e9lk\u00fcl tranzakci\u00f3kat (blokkok) hajthassunk v\u00e9gre, amelyek kriptogr\u00e1fi\u00e1val kapcsol\u00f3dnak egym\u00e1shoz. Tart\u00f3zkodhatunk a vil\u00e1g b\u00e1rmely pontj\u00e1n, a blockchain alap\u00fa kriptovalut\u00e1k lehet\u0151v\u00e9 teszik a gyors \u00e9s olcs\u00f3 p\u00e9nz\u00e1tutal\u00e1st, k\u00fcl\u00f6n\u00f6sen nemzetk\u00f6zi tranzakci\u00f3k eset\u00e9n. \u00c9ppen ez\u00e9rt nem v\u00e9letlen, hogy egyre n\u00e9pszer\u0171bb a v\u00e1llalkoz\u00f3k \u00e9s a h\u00e9tk\u00f6znapi felhaszn\u00e1l\u00f3k k\u00f6r\u00e9ben egyar\u00e1nt. De vajon hogyan reag\u00e1lnak erre a p\u00e9nzint\u00e9zetek?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>bankok<\/strong> kezdetben \u00f3vatosan viszonyultak a blockchain technol\u00f3gi\u00e1hoz, mivel a decentraliz\u00e1lt rendszerek fenyeget\u00e9st jelenthetnek a hagyom\u00e1nyos banki modellekre n\u00e9zve. Napjainkra viszont a p\u00e9z\u00fcgyi int\u00e9zetek is felismert\u00e9k a blockchain technol\u00f3gia alkalmaz\u00e1s\u00e1nak el\u0151nyeit, k\u00fcl\u00f6n\u00f6sen a k\u00f6lts\u00e9ghat\u00e9konys\u00e1g \u00e9s a folyamatok optimaliz\u00e1l\u00e1sa ter\u00e9n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ennek azonban sz\u00e1mos egy\u00e9b oka is van, k\u00f6zt\u00fck az is, hogy a versenyt\u00e1rsak \u00e9s \u00faj piaci szerepl\u0151k (pl. fintech startupok) el\u0151szeretettel haszn\u00e1lj\u00e1k a blockchain technol\u00f3gi\u00e1t, ami arra \u00f6szt\u00f6nzi a bankokat, hogy l\u00e9p\u00e9st tartsanak a piaci trendekkel. R\u00e1ad\u00e1sul a p\u00e9nz\u00fcgyi szab\u00e1lyoz\u00f3k \u00e9s korm\u00e1nyok is egyre ink\u00e1bb t\u00e1mogatj\u00e1k a blockchain haszn\u00e1lat\u00e1t, ami szint\u00e9n nyom\u00e1st gyakorol r\u00e1juk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Egy j\u00f3 p\u00e9lda a bankrendszeren bel\u00fcl<\/strong>: A JPMorgan Chase p\u00e9ld\u00e1ul l\u00e9trehozta <strong>a saj\u00e1t digit\u00e1lis valut\u00e1j\u00e1t<\/strong>, a <a href=\"https:\/\/developer.payments.jpmorgan.com\/docs\/treasury\/global-payments\/capabilities\/jpm-coin-system\"><strong>JPM Coin<\/strong><\/a>-t, amelyet a bankk\u00f6zi tranzakci\u00f3k gyors\u00edt\u00e1s\u00e1ra \u00e9s k\u00f6lts\u00e9geinek cs\u00f6kkent\u00e9s\u00e9re haszn\u00e1lnak. A JPM Coin m\u00e1r most is t\u00f6bb <a href=\"https:\/\/www.kriptoworld.hu\/a-jpm-coin-mar-tobb-bank-rendszereben-is-elerheto\/\">milli\u00e1rd<\/a> doll\u00e1rnyi tranzakci\u00f3t bonyol\u00edt le.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hab\u00e1r a blockchain technol\u00f3gia alkalmaz\u00e1sa a banki szektorban m\u00e9g kezdeti szakaszban van, m\u00e1r t\u00f6bb FinTech (digit\u00e1lis p\u00e9nz\u00fcgyekkel foglalkoz\u00f3) c\u00e9g ny\u00fajt ilyen alap\u00fa <a href=\"https:\/\/real.mtak.hu\/65106\/1\/kerenyi_adam_molnar_julia_u.pdf\">szolg\u00e1ltat\u00e1sokat<\/a>, elker\u00fclve a hagyom\u00e1nyos banki k\u00f6zvet\u00edt\u0151 rendszereket. P\u00e9ld\u00e1ul a <strong>Ripple<\/strong> egy blockchain alap\u00fa elsz\u00e1mol\u00f3 rendszert haszn\u00e1l, ami a SWIFT h\u00e1l\u00f3zatot helyettes\u00edti, \u00e9s gyorsabb, olcs\u00f3bb k\u00fclf\u00f6ldi tranzakci\u00f3kat biztos\u00edt a v\u00e1llalatoknak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a technol\u00f3gia \u00e9s az \u00faj, nem banki szerepl\u0151k megjelen\u00e9se jelent\u0151s v\u00e1ltoz\u00e1sokat hozott az <strong>alternat\u00edv fizet\u00e9si megold\u00e1sok<\/strong> ter\u00fclet\u00e9n is. K\u00fcl\u00f6n\u00f6sen a felt\u00f6rekv\u0151 piacokon, ahol a mobilhaszn\u00e1lat elterjed\u00e9se \u00e9s a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1sokhoz val\u00f3 hozz\u00e1f\u00e9r\u00e9s hi\u00e1nya miatt a mobiltelefon alap\u00fa fizet\u00e9sek \u00e9s internetes p\u00e9nzk\u00fcld\u00e9si megold\u00e1sok gyorsan terjednek. P\u00e9ld\u00e1ul Keny\u00e1ban az <strong>M-Pesa<\/strong> mobilfizet\u00e9si rendszer 17,6 milli\u00f3 felhaszn\u00e1l\u00f3val rendelkezik, \u00e9s 2016-ban 31 milli\u00e1rd doll\u00e1r \u00e9rt\u00e9kben bonyol\u00edtott le tranzakci\u00f3kat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ilyen alternat\u00edv fizet\u00e9si megold\u00e1sok olcs\u00f3bb \u00e9s gyorsabb lehet\u0151s\u00e9geket k\u00edn\u00e1lnak a hagyom\u00e1nyos banki szolg\u00e1ltat\u00e1sok mellett. A <a href=\"https:\/\/azenpenzem.hu\/cikkek\/szetveri-vagy-turbozza-az-uj-technika-a-bankrendszert\/4368\/\">Vil\u00e1gbank becsl\u00e9se szerint<\/a>, a bankok \u00e1ltal v\u00e9gzett nemzetk\u00f6zi fizet\u00e9sek \u00e1tlagos k\u00f6lts\u00e9ge a k\u00fcld\u00f6tt \u00f6sszeg 11,2%-a, m\u00edg az online szolg\u00e1ltat\u00f3k ugyanezt a szolg\u00e1ltat\u00e1st \u00e1tlagosan 5,57%-os k\u00f6lts\u00e9ggel k\u00edn\u00e1lj\u00e1k az \u00fcgyfeleknek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ugyanakkor fontos megjegyezni, hogy a virtu\u00e1lis fizet\u0151eszk\u00f6z\u00f6k jelent\u0151s\u00e9g\u00e9r\u0151l eddig megoszlanak a v\u00e9lem\u00e9nyek, a piac \u00e9s a szab\u00e1lyoz\u00e1s gyakran k\u00e9t\u00e9l\u0171 fegyverk\u00e9nt tekint r\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e1r ezek a megold\u00e1sok sok el\u0151nyt k\u00edn\u00e1lnak, kock\u00e1zatok is felmer\u00fclnek, p\u00e9ld\u00e1ul az inform\u00e1ci\u00f3biztons\u00e1g \u00e9s a fogyaszt\u00f3i adatok v\u00e9delme ter\u00e9n. A blockchain technol\u00f3gia \u00e9s kriptovalut\u00e1k megjelen\u00e9se \u00f3ta eltelt \u00e9vek sor\u00e1n a p\u00e9nz\u00fcgyi szektor jelent\u0151s \u00e1talakul\u00e1son ment kereszt\u00fcl. A blockchain technol\u00f3gia nem csup\u00e1n egy m\u00fal\u00f3 trend; alapvet\u0151en v\u00e1ltoztatja meg, hogyan gondolkodunk a p\u00e9nz\u00fcgyi tranzakci\u00f3kr\u00f3l \u00e9s szolg\u00e1ltat\u00e1sokr\u00f3l, \u00e9s egyre nagyobb hat\u00e1ssal van mindennapi \u00e9let\u00fcnkre. A j\u00f6v\u0151 k\u00e9rd\u00e9se, hogy milyen tov\u00e1bbi innov\u00e1ci\u00f3kat hoz m\u00e9g mag\u00e1val, \u00e9s hogyan fogja form\u00e1lni a glob\u00e1lis p\u00e9nz\u00fcgyi rendszereket.<\/p>","protected":false},"excerpt":{"rendered":"<p>A blockchain els\u00f6pr\u0151 sebess\u00e9ggel robbant be a k\u00f6ztudatba, amikor a Bitcoin \u00e9s m\u00e1s kriptovalut\u00e1k \u00e9rt\u00e9ke az egekbe sz\u00f6k\u00f6tt, \u00e9s a h\u00edrek tele voltak blockchain alap\u00fa siker- \u00e9s kudarc t\u00f6rt\u00e9netekkel. Az els\u0151dleges \u00e9rme kibocs\u00e1t\u00e1sok (ICO-k) sorra d\u00f6nt\u00f6ttek rekordokat, \u00e9s vil\u00e1gszerte emberek milli\u00f3i kezdtek el \u00e9rdekl\u0151dni a technol\u00f3gia ir\u00e1nt. Szinte minden tech [&hellip;]<\/p>\n","protected":false},"author":22,"featured_media":20598,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,26],"tags":[],"class_list":["post-20597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain","category-ntp-faliujsag"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kriptovaluta a bankszektorban: H\u00e1tr\u00e1ny vagy \u00faj lehet\u0151s\u00e9g? - Neum.hu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/neum.hu\/en\/kriptovaluta-a-bankszektorban-hatrany-vagy-uj-lehetoseg\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kriptovaluta a bankszektorban: H\u00e1tr\u00e1ny vagy \u00faj lehet\u0151s\u00e9g? - Neum.hu\" \/>\n<meta property=\"og:description\" content=\"A blockchain els\u00f6pr\u0151 sebess\u00e9ggel robbant be a k\u00f6ztudatba, amikor a Bitcoin \u00e9s m\u00e1s kriptovalut\u00e1k \u00e9rt\u00e9ke az egekbe sz\u00f6k\u00f6tt, \u00e9s a h\u00edrek tele voltak blockchain alap\u00fa siker- \u00e9s kudarc t\u00f6rt\u00e9netekkel. Az els\u0151dleges \u00e9rme kibocs\u00e1t\u00e1sok (ICO-k) sorra d\u00f6nt\u00f6ttek rekordokat, \u00e9s vil\u00e1gszerte emberek milli\u00f3i kezdtek el \u00e9rdekl\u0151dni a technol\u00f3gia ir\u00e1nt. 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