Martin Walker

Seven signs of over-hyped Fintech

In 2015 Dan Davies wrote an excellent guide to Fintech business models (the “Fin”) that provided a very effective tool for looking beyond the hype. The other side of Fintech that the non-technologist (and even many experienced IT professionals) have trouble with is the actual “Tech”.  A great many people in finance have now reached the point where they […]

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    ‘Ledger Nirvana’ in trade processing either doesn’t exist or is aeons away

‘Ledger Nirvana’ in trade processing either doesn’t exist or is aeons away

One of the areas frequently mentioned as ripe for improvement by applications of the broad group of technologies known as blockchain, or distributed ledger technology (DLT), is capital markets. In the “ledger nirvana” of many blockchain proponents, market counterparties use consistent sets of trade data. They also use smart contracts, computer protocols that facilitate, verify, or enforce the negotiation […]