Spanish banks develop a PoC to enable payments in blockchain networks

21 decembrie 2019

Banco Sabadell, Banco Santander, Bankia, BBVA and CaixaBank have initiated a proof-of-concept test to deploy an interbank Smart Payments Platform that would enable the execution of payments in blockchain networks.

The initiative, coordinated by Iberpay, the company that manages the Spanish Payment System (SNCE), aims to facilitate the initiation of instant credit transfers from smart contracts deployed in a blockchain network, according to the press release.

Iberpay says that any kind of business case developed with the technology could execute and programme automatic payments – from the signing of a contract to the delivery of goods.

The test includes a pilot based on a fictitious business case deployed in a blockchain network, which has already been implemented and has six distributed nodes managed by each participant.

The six-month trial of the concept is being conducted in association with Grant Thornton as a technology and legal advisor.

Adauga comentariu

Noutăți
Cifra/Declaratia zilei

Gabriela Nistor – director general adjunct BT

Tendinţele pe care le-am remarcat înainte de începerea pandemiei s-au accelerat pe perioada stării de urgenţă. Am văzut acest lucru ca o oportunitate, un tipping point pentru bancă. Post-pandemie nu avem cum sa ne întoarcem la comportamentul financiar pe care îl aveam până în februarie a.c. Relaţia românilor cu online-ul s-a schimbat. In plus, cardul fizic se va dematerializa. Vom asista la o scădere a cererii pentru cardurile fizice, respectiv la o creştere a preferinţei pentru componenta digitală a acestora.”

Sondaj

In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale in 2020?