“中台”大火,区块链如何助力银行数字化转型?丨巴比特产业大课_巴比特_服务于区块链创新者

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1995年,互联网方兴未艾,但美国麻省理工学院教授尼葛洛庞帝却在《数字化生存》一书中为未来指明了方向。他认为,数字化时代是继工业时代和信息时代之后的一个新时代。而随着数字资产、数字货币、数字技术不断发展,2020的今天,数字时代的脉络已经愈发清晰,我们距离尼葛洛庞帝的预言越来越近。如何进行数字化转型,抢占数字经济先机,成为了很多企业思考的重要问题。

“中台”大火,区块链如何助力银行数字化转型?丨巴比特产业大课_巴比特_服务于区块链创新者

7月9日晚,巴比特产业大课第四期——「区块链与数字经济学习周:抢占数字经济新红利」第三课正式开课。建信金科团队副总经理、资深企业级业务架构师付晓岩带来“金融行业的数字化转型”的分享。他从银行业40年的信息化历程切入,讲解了银行业数字化转型的路径与方法论,并以比特币、以太坊、Libra以及知名银行的区块链实践为例,讲述了区块链给金融行业带来的影响。最后,作为“中台”的资深研究者,他还指出了很多管理者理解和认知上的误区,明确了中台的应用场景以及价值所在。点击链接可回看课程:http://33s.co/9eMR

核心观点:

  1. 数字银行需要有6项核心技术的支撑,包括数字身份、数字货币、语音技术、数字孪生、视觉技术以及数字人类。
  2. 银行数字化转型路径为:先战略转型,定方向;然后,架构转型,调结构;最后,技术转型与业务转型相融合
  3. 比特币改变了货币形态,创造了非常廉价的“汇通天下”;以太坊带来了智能合约,支持更多类型的应用,为“自金融”提供了一种新的选择。
  4. 中台其实做的是企业架构,而不是一个快速的工具;提升企业文化,减少重复建设是中台设计的关键,但中台的首要目的是提升企业整体性。

银行业数字化转型该用什么方法论?

 

从架构视角看,银行的信息化是从地区割裂,转变为系统割裂,再到内部一体化,演进方向则是实现更好的内外部联动。而数字化则是信息化的第二曲线,有继承,也有跃迁。

在信息化和数字化过程中,银行应用的新技术可谓是遍地开花。从08年的云计算、10年的大数据,到14年的人工智能和15年的物联网,再到16年的区块链,银行一直在新技术应用探索的前沿。那么,为什么银行如此热衷新技术呢?

付晓岩认为,原因有三:1.银行资金实力强,有条件去试验新的技术;2.银行客户层次丰富,包含金融体系内的各种客户,面对不同的需求渴望更多、更好的解决方案;3.银行同质化竞争严重,探索新技术可攻可守,可以实现差别化。虽然区块链大约在16年就在银行兴起,但是但目前还没有形成技术合力。而要成为真正的数字银行,需要有6项核心技术的支撑,包括数字身份、数字货币、语音技术、数字孪生、视觉技术以及数字人类,这些技术现阶段发展趋势都比较良好。

在数字化时代,核心生产工具是软件,软件必将包围企业,而企业必须驾驭软件,业务思维也必须结构化。那么,银行数字化转型的具体路径是怎样的呢?付晓岩总结了一套方法论:首先进行战略转型,定好转型方向;然后对架构进行转型,调整结构;技术转型现行一步,再与业务转型进行融合。银行数字化战略是要赋能个人,对内就是员工,对外就是客户,这也是真正为实体经济赋能。

 

区块链如何颠覆金融?

 

经常会有人说,区块链对金融是一种颠覆。究竟颠覆在哪?

付晓岩认为,现代银行有两大最有价值的发明:信用货币和汇换。银行可以通过这一套支付体系将钱全在这个体系内,让钱在内循环,从而最大化提升信用创造的水平。但比特币改变了货币形态,创造了非常廉价的“汇通天下”,在这个体系上破开的一个小口。而后,以太坊带来了智能合约,支持更多类型的应用,为“自金融”提供了一种新的选择。然而,两者的体量都太小,本身也存在种种局限,都无法真正撼动金融体系。Libra才是直面金融体系的庞然大物。

他还指出,目前在银行的各项实践中,区块链多以数据库的形式使用,用于信息加固、可信连接等功能,缺乏对产品形态的改造,对业务架构几乎没有影响。同时,受限于国内的监管政策,无币区块链也使得价值网络的准备不充分。不过,对于未来,他还是持乐观态度。

解密中台:如何走出误区,直取核心?

 

中台战略诞生于2015年,由阿里巴巴提出并率先实践,近年来也是企业架构中热议的话题。

一些企业的管理者认为,中台可以当成一个快速的工具,通过短期员工培训,就可以部署下去,并发挥作用。对此,付晓岩认为,这是理解上的一种偏差。对于他而言,中台是企业架构的一种落地形式,做中台其实做的是企业架构。对于企业来说,中台更像是哑铃,做中台就像是锻炼,是一个持续性的改造过程,一天天持续去练,肌肉才能锻炼出来,不能追求一劳永逸,一步到位。

之所以要做中台,主要目的就是为了实现需求结构化、业务配置化以及业务全链路可视。当需要研究企业架构的发展思路时或者需要大范围重构业务系统时,企业可能特别需要中台。

而中台设计的关键则在于,提升企业文化,减少重复建设。提升企业文化,才能更好地减少重复建设。需要注意的是,中台并不是为了完全减少重复建设,首要目的是为了提升企业整体性,这样才能提升企业的最大价值。

以上为本期课程部分要点,更多精彩内容,可以点击链接可回看课程:http://33s.co/9eMR

7月11日,IOSG VC投资总监肖锐将带来本期产业大课最后一课——《数字经济投资心法》。直播预约地址:http://33s.co/9kaM

 

 

 

 

 

 

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