Pervasive Banking
In reckoner science, in that location is a concept of "pervasive computing" - an view that instead of using a specific device to perform computation, it would instead live on distributed "everywhere" as well as nosotros would instead but utilisation our devices every bit interfaces to access this ubiquitous computing environment. So instead of having say, a laptop or a PC where nosotros run our programs, nosotros could conduct keep a local cloud of computing devices to supply us alongside their resources at our disposal. Just every bit computing appears to live on moving to this model alongside say, home game streaming, maybe it's fourth dimension for the banking services to convey a clue every bit well?
What would constitute a pervasive banking experience?
Number 1 P2P payments to allow people to pay for other people's purchases as well as what not, as well as Abra is looking into offering P2P remittance services.
Perhaps inwards the hereafter nosotros volition run across to a greater extent than companies embracing the "anywhere-in, anywhere-out" nature of banking as well as nosotros mightiness run across say, self-checkout kiosks or fifty-fifty vending machines acting every bit our convenient ATMs? After all, if they tin give the axe already conduct keep deposits, brand modify as well as conduct keep credit cards, they conduct keep all the functionality needed.
Number three appears to live on also already inwards the works. We've got Google Wallet allowing you lot to pay wirelessly (although at the time, solely inwards US, which all the same appears to live on likewise focused on magswipes...), or a poorly named "Coin" bill of fare that replaces your multiple bill of fare alongside a unmarried programmable card (unfortunately, alongside the outdated magswipes...). We also conduct keep to a greater extent than or less people developing Bitcoin applications that utilisation MasterCard's PayPass technology.
Perhaps this footstep volition decease easier i time everyone is talking on a mutual standard. Luckily, nosotros conduct keep a W3C Web Payment Interest Group hoping to create a measure protocol for payments (list of participants includes Ripple Labs, although I don't run across whatever other cryptocurrency goodness representing). It is possible that alongside the measure beingness established it would live on easier for we've discussed before. It would live on actually goodness if banks were considered to live on a mutual carrier, as well as hence unable to reject the service to anyone that pays the fees as well as follows the rules.
Number 2 is interesting. There are a few examples of to a greater extent than or less convenient cash inwards / out cropping upward hither as well as there. I've seen a few banks offering P2P payments to allow people to pay for other people's purchases as well as what not, as well as Abra is looking into offering P2P remittance services.
Number three appears to live on also already inwards the works. We've got Google Wallet allowing you lot to pay wirelessly (although at the time, solely inwards US, which all the same appears to live on likewise focused on magswipes...), or a poorly named "Coin" bill of fare that replaces your multiple bill of fare alongside a unmarried programmable card (unfortunately, alongside the outdated magswipes...). We also conduct keep to a greater extent than or less people developing Bitcoin applications that utilisation MasterCard's PayPass technology.
Perhaps this footstep volition decease easier i time everyone is talking on a mutual standard. Luckily, nosotros conduct keep a W3C Web Payment Interest Group hoping to create a measure protocol for payments (list of participants includes Ripple Labs, although I don't run across whatever other cryptocurrency goodness representing). It is possible that alongside the measure beingness established it would live on easier for companies to cause gateways in as well as out of the quondam banking systems as well as allow for everyone to live on able to pay inwards a agency that is the near convenient for them - cash, credit, mobile or crypto.
All inwards all, it seems that nosotros are heading towards the pervasive banking / Singularity of Money concept on a few fronts, although it mightiness all the same live on years earlier the view is fully realized.
Relevant links:
Sumber http://tpbit.blogspot.com/
What would constitute a pervasive banking experience?
- The powerfulness for anyone to access the banking network
- The powerfulness to cash inwards as well as cash out at whatever location, non but the banks as well as ATMs
- The liberty to pay conveniently inwards whatever fashion
Number 1 P2P payments to allow people to pay for other people's purchases as well as what not, as well as Abra is looking into offering P2P remittance services.
Perhaps inwards the hereafter nosotros volition run across to a greater extent than companies embracing the "anywhere-in, anywhere-out" nature of banking as well as nosotros mightiness run across say, self-checkout kiosks or fifty-fifty vending machines acting every bit our convenient ATMs? After all, if they tin give the axe already conduct keep deposits, brand modify as well as conduct keep credit cards, they conduct keep all the functionality needed.
Number three appears to live on also already inwards the works. We've got Google Wallet allowing you lot to pay wirelessly (although at the time, solely inwards US, which all the same appears to live on likewise focused on magswipes...), or a poorly named "Coin" bill of fare that replaces your multiple bill of fare alongside a unmarried programmable card (unfortunately, alongside the outdated magswipes...). We also conduct keep to a greater extent than or less people developing Bitcoin applications that utilisation MasterCard's PayPass technology.
Perhaps this footstep volition decease easier i time everyone is talking on a mutual standard. Luckily, nosotros conduct keep a W3C Web Payment Interest Group hoping to create a measure protocol for payments (list of participants includes Ripple Labs, although I don't run across whatever other cryptocurrency goodness representing). It is possible that alongside the measure beingness established it would live on easier for we've discussed before. It would live on actually goodness if banks were considered to live on a mutual carrier, as well as hence unable to reject the service to anyone that pays the fees as well as follows the rules.
Number 2 is interesting. There are a few examples of to a greater extent than or less convenient cash inwards / out cropping upward hither as well as there. I've seen a few banks offering P2P payments to allow people to pay for other people's purchases as well as what not, as well as Abra is looking into offering P2P remittance services.
Perhaps inwards the hereafter nosotros volition run across to a greater extent than companies embracing the "anywhere-in, anywhere-out" nature of banking as well as nosotros mightiness run across say, self-checkout kiosks or fifty-fifty vending machines acting every bit our convenient ATMs? After all, if they tin give the axe already conduct keep deposits, brand modify as well as conduct keep credit cards, they conduct keep all the functionality needed.
Number three appears to live on also already inwards the works. We've got Google Wallet allowing you lot to pay wirelessly (although at the time, solely inwards US, which all the same appears to live on likewise focused on magswipes...), or a poorly named "Coin" bill of fare that replaces your multiple bill of fare alongside a unmarried programmable card (unfortunately, alongside the outdated magswipes...). We also conduct keep to a greater extent than or less people developing Bitcoin applications that utilisation MasterCard's PayPass technology.
Perhaps this footstep volition decease easier i time everyone is talking on a mutual standard. Luckily, nosotros conduct keep a W3C Web Payment Interest Group hoping to create a measure protocol for payments (list of participants includes Ripple Labs, although I don't run across whatever other cryptocurrency goodness representing). It is possible that alongside the measure beingness established it would live on easier for companies to cause gateways in as well as out of the quondam banking systems as well as allow for everyone to live on able to pay inwards a agency that is the near convenient for them - cash, credit, mobile or crypto.
Conclusions
All inwards all, it seems that nosotros are heading towards the pervasive banking / Singularity of Money concept on a few fronts, although it mightiness all the same live on years earlier the view is fully realized.
Relevant links:
- The Singularity of Money
- P2P payments to allow people to pay for other people's purchases as well as what not, as well as Abra is looking into offering P2P remittance services.
Perhaps inwards the hereafter nosotros volition run across to a greater extent than companies embracing the "anywhere-in, anywhere-out" nature of banking as well as nosotros mightiness run across say, self-checkout kiosks or fifty-fifty vending machines acting every bit our convenient ATMs? After all, if they tin give the axe already conduct keep deposits, brand modify as well as conduct keep credit cards, they conduct keep all the functionality needed.
Number three appears to live on also already inwards the works. We've got Google Wallet allowing you lot to pay wirelessly (although at the time, solely inwards US, which all the same appears to live on likewise focused on magswipes...), or a poorly named "Coin" bill of fare that replaces your multiple bill of fare alongside a unmarried programmable card (unfortunately, alongside the outdated magswipes...). We also conduct keep to a greater extent than or less people developing Bitcoin applications that utilisation MasterCard's PayPass technology.
Perhaps this footstep volition decease easier i time everyone is talking on a mutual standard. Luckily, nosotros conduct keep a W3C Web Payment Interest Group hoping to create a measure protocol for payments (list of participants includes Ripple Labs, although I don't run across whatever other cryptocurrency goodness representing). It is possible that alongside the measure beingness established it would live on easier for The rising of fiat-denominated cryptos
Sumber http://tpbit.blogspot.com/
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