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Ripple - XRP - nieuwe verdienmodellen noodzakelijk voor bancaire sector

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Frederik C. 23 april 2017 15:26

INTESA SANPAOLO AND EBA CLEARING ANNOUNCE SUCCESSFUL FIRST TESTING RESULTS

INTESA SANPAOLO and EBA CLEARING have announced today the successful execution of the first user testing activities for the Pan-European real-time payment platform of EBA CLEARING.

Among the institutions funding the new EBA CLEARING infrastructure solution, Intesa Sanpaolo is the first one to connect to the test system. The new payment infrastructure will provide a real-time payment processing engine working around the clock on any day of the year.

Starting from November 2017, account-servicing payment service providers (AS-PSPs) from all over SEPA will be able to use this highly flexible solution for payment products in euro that are fully compliant with the European Payments Council’s SCT Inst Scheme and in line with the ISO 20022 global messaging standards for real-time payments.

Mr. Stefano Favale, Head of Global Transaction Banking at INTESA SANPAOLO Group commented: “We are strongly committed to playing a leading role in the future of payments for the benefit of our customers. Both retail and corporate customers will be able to send credit transfers in real time across Europe, potentially reaching over 500 million European citizens and companies in a seamless way – and they will need nothing aside from their current account to do so. The end-to-end process between the originator and beneficiary accounts will take no more than 10 seconds. The payments will be irrevocable and settled in real time subject to pre-funding in central bank funds.”

Mr. Enrico Bagnasco, Head of IT at INTESA SANPAOLO added: “We have successfully started user testing for our November connection to this instant payment system thanks to our upgraded payment hub. We have been significantly investing in our payment architecture and applications over the past few years, in order to be more and more innovative and agile and to be able to take advantage of the new opportunities arising in this business,” while Mr. Luca Faussone Head of Operations commented: “24/7/365 system performance will require a new operations model and approach and we are making it a top priority to deliver this enhanced service level for our customers.”

Mr. Hays Littlejohn, CEO of EBA CLEARING, said: “Intesa Sanpaolo is the first future participant to connect directly to our test system and is amongst the 25 users currently preparing to go live this year. Together with those institutions that are planning to connect to the system in 2018, these early joiners represent nearly 85% of the SEPA Credit Transfer traffic processed by our STEP2 system today. More and more banks and service providers are developing services around our new platform, and we are confident that we will see a positive evolution of the reach of the service from the start of the ramp-up period on.”
www.instapay.today/article/intesa-san...

En de andere users zijn:
ABN AMRO Bank
Aktia
Allied Irish Banks
Banca ITB
Banca Monte dei Paschi di Siena
Banca Popolare di Milano
Banca Sella
Banco de Sabadell
Banco Popular Español
Bank of Ireland
Bank of New York Mellon
BBVA
CaixaBank
Central Bank of Savings Banks Finland
Commerzbank
Crédit Agricole
Danske Bank
Deutsche Bank
DNB Bank
Elavon
ERSTE Group Bank
HELABA
HSBC
HVB - UniCredit
ING
Intesa Sanpaolo
J.P. Morgan
KBC
LHV Pank
Nordea
OP Corporate Bank
Raiffeisenlandesbank Oberösterreich
Santander
S-Bank
SEB
Swedbank
Ulster Bank
Unicredit S.p.A.
www.ebaclearing.eu/List-of-Funding-PS...

Ripple: an Internet Protocol for Inter-bank Payments
www.europeanpaymentscouncil.eu/index....

DeZwarteRidder 23 april 2017 16:24

Er staat nergens dat de XRP gebruikt gaat worden.

Frederik C. 23 april 2017 22:29

quote:
DeZwarteRidder schreef op 23 april 2017 16:24:
Er staat nergens dat de XRP gebruikt gaat worden.

Tja,...Voor jou een vraag (net als voor de concurrent)...Maar wat als wel?

Frederik C. 23 april 2017 23:46

quote:
Frederik C. schreef op 23 april 2017 22:29:
Tja,...Voor jou een vraag (net als voor de concurrent)...Maar wat als wel?

An internal Santander memo leaked to Guardian Money says 10% of its global profits come from international cash transfers, and it charges six times more than newer rivals
(...)a large chunk of its profits were at risk – because the juicy margins it earns on money transfers could be destroyed by new competitors. The documents supporting these claims have since been leaked to Guardian Money, and reveal that Santander made €585m from money transfers – equal to nearly a tenth of its 2016 global profit of €6.2bn – and that it charges six times as much as rival TransferWise for sending £10,000 from the UK to Spain.
www.theguardian.com/money/2017/apr/08...

Frederik C. 24 april 2017 21:44

En het goede nieuws blijft maar komen...Mooie milestone:
www.finextra.com/pressarticle/68952/d...

today announced the availability for industry testing of its U.S. real-time payment processing solution, which will enable U.S. banks to commence testing on The Clearing House’s (TCH’s) real-time clearing and settlement network to support real-time payments in the United States.

D+H adopts Ripple distributed ledger to reduce costs
www.bankingtech.com/382631/dh-adopts-...

Frederik C. 24 april 2017 21:55

En vandaag de presentatie van Start One Credit union/Ripple & ExForex.com
documentcenter.meetingcaddie.mobi/Eve...

TOGETHER AT LAST...
BLOCKCHAIN & SAME DAY ACH: A REAL STORY

Frederik C. 24 april 2017 23:07

Getting mainstream now!...Yahoo
finance.yahoo.com/news/blockchain-u-f...
BlockChain for U.S. Financial Institutions Now a Reality: eZforex.com, Ripple, and Star One Credit Union Collaborate to Provide the Newest Industry Standard for the United States Banking System: Live International BlockChain Payments

DeZwarteRidder 25 april 2017 00:34

quote:
Frederik C. schreef op 24 april 2017 23:07:
Getting mainstream now!...Yahoo
finance.yahoo.com/news/blockchain-u-f...
BlockChain for U.S. Financial Institutions Now a Reality: eZforex.com, Ripple, and Star One Credit Union Collaborate to Provide the Newest Industry Standard for the United States Banking System: Live International BlockChain Payments

Het word steeds duidelijker dat banken geen crypto-valuta mogen gebruiken en dus zal de XRP niet gebruikt gaan worden voor overboekingen.

Frederik C. 25 april 2017 01:12

'T is maar wat je NIET wilt zien!...Al je inspanningen ten spijt, gaan ze't toch doen! Foei!

SBI Ripple is majority owned (60%) by the SBI Group, while Ripple owns 40% of the company’s shares. SBI will see a 60% cost reduction with international remittance utilizing Ripple’s token XRP. Using Ripple’s blockchain and token, remittance will cost 8.3 bps (base points) compared to the 20.9 bps against the settlement amount via the current wire system. Remittance cost for fiat currency using Ripple’s blockchain will be reduced by a third, compared to conventional costs.
www.cryptocoinsnews.com/blockchain-br...

DeZwarteRidder 25 april 2017 07:57

quote:
Frederik C. schreef op 25 april 2017 01:12:
'T is maar wat je NIET wilt zien!...Al je inspanningen ten spijt, gaan ze't toch doen! Foei!

SBI Ripple is majority owned (60%) by the SBI Group, while Ripple owns 40% of the company’s shares. SBI will see a 60% cost reduction with international remittance utilizing Ripple’s token XRP. Using Ripple’s blockchain and token, remittance will cost 8.3 bps (base points) compared to the 20.9 bps against the settlement amount via the current wire system. Remittance cost for fiat currency using Ripple’s blockchain will be reduced by a third, compared to conventional costs.
www.cryptocoinsnews.com/blockchain-br...

In de officiële persberichten staat nergens dat de XRP gebruikt gaat worden.
Ik denk dat de journalist van Cryptocoinsnews zich heeft vergist dankzij de verwarring die ontstaat door het gebruik van de bedrijfsnaam Ripple.

Frederik C. 25 april 2017 10:34

Denk je dat de CEO zich heeft laten misleiden door de deze journalist?

Generally, international remittance is 20.9 bps against
the settlement amount, whereas international remittance
utilizing XRP through Ripple’s system is 8.3 bps, or a
60% cost reduction.
www.sbigroup.co.jp/english/investors/...

Frederik C. 26 april 2017 10:15

"Founded by Evan Shelan in 1994, eZforex was initially created to provide foreign banknotes to credit unions, banks, and travel-related companies prior to their members and customers departing the United States for travel. Today the U.S. government and over 2,000 financial institutions rely on eZforex's integrated turnkey solutions to manage their foreign currency and international transfers both through International ACH and BlockChain. eZforex.com, Inc. is a NAFCU and LendingTools.com preferred Partner.

nederhoed 26 april 2017 11:32

Hi Frederik, mijn bezwaar tegen Ripple is juist dat het geen nieuw financieel model betreft. Ripple doet niks aan de ongeremde creatie van schulden in het monetaire systeem, waar in een eerdere post naar werd verwezen.

Ja, het is het nieuwe smeermiddel dat de architectuur van de payment networks van banken kan veranderen. Ripple kan de verplaatsing van geld over de wereld kan vereenvoudigen en versnellen.

De currency exchange via Ripple hubs is erg elegant. Dit kan voor de consument de valutawisselkosten drukken, wanneer het geld de weg met de minste weerstand (kosten) volgt.

Maar...

Ripple is niet decentraal, zoals andere echte cryptocurrencies dat wel zijn.
Ripple is sinds de start grotendeels in handen van een kleine groep. De oprichters kregen zelfs onenigheid over de verdeling van de miljarden ripples die ze zichzelf en hun foundation toekenden.
Ripple is het knuffelnetwerk voor bestaande financiele instituten, omdat ze met weinig risico mee denken te doen aan innovatief nieuw geld.

Misschien is dat voor een belegger geen bezwaar, zolang de waarde maar stijgt. Voor mij is dit waarom Ripple het uiteindelijk gaat afleggen tegen een wereld aan echte cryptocurrencies die nu in ontwikkeling zijn en niet geremd gaan worden door belangen van de gevestigde orde.

Frederik C. 26 april 2017 20:51

quote:
nederhoed schreef op 26 april 2017 11:32:
Voor mij is dit waarom Ripple het uiteindelijk gaat afleggen tegen een wereld aan echte cryptocurrencies die nu in ontwikkeling zijn en niet geremd gaan worden door belangen van de gevestigde orde.

Ha Nederhoed, dat zijn mooie overwegingen en een duidelijke overtuiging! Ik wil een ieder ander, de mogelijkheid geven, een eigen oordeel te vormen over de features en benefits van Ripple en XRP, door zoveel mogelijk de voortgang en achievements van Ripple en XRP te laten zien. Mijn overtuiging is dat in de nabije toekomst, Ripple en XRP zich zal ontwikkelen tot DE Global Reserve Currency en dat Ripple de voorloper en initiator is / zal zijn van IoV (internet of Value)

Frederik C. 26 april 2017 20:56

Met vandaag weer'n mooi bericht!
Ripple Adds 10 New Financial Firms to 'Blockchain Network'
www.coindesk.com/ripple-touts-blockch...
The new partnerships find Ripple showcasing its reach and influence. New members include MUFG (Japan), BBVA (Spain), SEB (Sweden), Akbank, Yes Bank (India), Axis Bank (India), SBI Remit (Japan), Star One Credit Union (US), EZ Forex (US) and Cambridge FX (Canada).
Faster payments is one advantage, but members also cited other advantages.

Evan Shelan, chairman of EZ Forex said, "The benefits [of the blockchain] are about adding the most advanced level of security to each payment through the distributive ledger for our financial institutions."
www.forbes.com/sites/madhvimavadiya/2...

En talloze ander media picken dit nieuws up

Frederik C. 27 april 2017 00:03

En; hard tegen hard

Ripple vs. Swift rivalry heats up; banking may be ultimate winner
The long-simmering rivalry between Swift and Ripple is nearing the boiling point.

“We’re both seeking to make banks more successful,” he said. “In that context, I think there can and should be opportunities to partner.”

But then the claws come back out.

“We’ve reached out to them many times and they’ve been closed minded to the benefits of blockchain solution and instead remain focused on the correspondent banking paradigm,” Garlinghouse said. “Blockchain disrupts that paradigm. You can’t put the genie back in the bottle. You can’t hold on to technology and solutions from decades ago, you need to listen and respond to new customer needs.”
www.americanbanker.com/news/ripple-vs...

Frederik C. 27 april 2017 00:34

...En dit is waar Japan zo mee op staat!
asia.nikkei.com/Business/Trends/Japan...

Japan banks to test blockchain-based money transfers
Cryptocurrencies could enable low-cost, 24-hour service
The money transfers will utilize blockchain technology, but the exact type of system to be used has yet to be determined. One contender, developed by Ripple, the U.S. fintech firm behind the virtual currency XRP, is said to be able to handle 200 times more data per second than the blockchain system employed by bitcoin, making it possible to complete a money transfer within seconds.

Frederik C. 27 april 2017 08:49

Meanwhile in India

Bijlage:

Omnius 27 april 2017 09:17

Ab Frederik. Goed bezig met al die info verzamelen. Asia trekt de kar met vernieuwing. Al het nieuwsvan de laatste weken.. elke crypto zou door het dak gaan met 1/100 hiervan.
Once of a lifetime opportunity i.m.o.

Frederik C. 27 april 2017 16:01

letstalkpayments.com/the-tumultuous-r...
In order to better understand XRP Market dynamics and Ripple’s perspective on XRP pricing, we had a brief conversation with Mr. Miguel Vias, Ripple’s Head of XRP Markets, who is probably best positioned to comment on the fluctuations in XRP over last quarter.

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