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The Future of Money, Frank Schwab, 2019

Bitcoin, Blockchain & Co: The future of money in the digital age

A short history of money
Digital money
Bitcoin: hype or digital gold?
The potential of cryptocurrencies
Blockchain and Smart Contracts: First Applications
Money becomes programmable

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The Future of Money, Frank Schwab, 2019

  1. 1. Bitcoin, Blockchain & Co The future of money in the digital age FrankSchwabSpeaks.com
  2. 2. Michael Douglas as Gordon Gekko in "Wall Street” Courtesy of Twentieth Century Fox
  3. 3. Photo: dpa/Jan Dube
  4. 4. Quelle: deacademic.com
  5. 5. Money is changing
  6. 6. money? What is
  7. 7. Means of exchange Unit of account Store of value
  8. 8. Unit of account
  9. 9. Store of value
  10. 10. 1970 1990 2010 30 800 2,000 Store of value: Goldprice in USD
  11. 11. ECB floods money
  12. 12. No interests
  13. 13. %
  14. 14. Real estate is becoming increasingly expensive in Germany 100 95 97 109 128 135 140 152 159 90 100 110 120 130 140 150 160 170 2004 2019 Source: Statista Prices in %
  15. 15. Inflation in Venezuela 19% 27% 26% 41% 122% 255% 1009% 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Source: Statista 2018 1,370,000 %
  16. 16. 106% 42% 32% 30%
  17. 17. Satoshi Nakamoto Peer to peer De-central Anonymous Secure
  18. 18. 20.000 USD 4,000 USD 12,000 USD Source: CoinMarketCap.com FrankSchwabSpeaks.com Jan 2017 Nov 2019 By now, Bitcoin is liquid, while still highly volatile
  19. 19. Jan 2017 Apr 2018 Nov 2019 48,000 38,000 USD/kg Source: https://goldprice.org/gold-price-chart.html FrankSchwabSpeaks.com Gold fluctuates up to 30% in the last 3 years
  20. 20. Means of exchange
  21. 21. 30 5 1998 2003 2019 1 second Factor 6 Factor 30 Login times online banking (seconds) FrankSchwabSpeaks.com
  22. 22. speed
  23. 23. 1998 Online, 10 % Call Center, 90 % 2002 Call Center, 10 % Online, 90 %
  24. 24. Paper Call Center Internet 100 Cent 1 Cent Factor 10 10 Cent Factor 100 Cost of a transfer FrankSchwabSpeaks.com
  25. 25. costs
  26. 26. How we exchange changes money
  27. 27. February 2007 „End of cash era“
  28. 28. It's very hard to make predictions, especially, about the future. Sir Winston Leonard Spencer-Churchill
  29. 29. Source: Bundesbank
  30. 30. Source: EHI 209 Billion EUR
  31. 31. Ban of (big) cash (notes) Cashless Economy Ukraine Norway Sweden India
  32. 32. Source: Deutsche Bundesbank 2010 48.3 12.8 2017 Number of check transactions in Germany
  33. 33. 75 %
  34. 34. Technology changes how we exchange money
  35. 35. Design + Function + UX = Life style
  36. 36. 40 2015 60 2016 86 2017 Consumer spending in USD billion for apps
  37. 37. 800,000
  38. 38. 4% < 1 20% 1 - 3 29% 3 - 5 21% 5 - 7 26% > 7 Source: Statista Smartphone time hours Year 2017, globally
  39. 39. ^ ^
  40. 40. Source: EHI Study, 2018 Bill purchase Direct debit 28% 20% 20% 11%Credit card 1%
  41. 41. No fees No card number No CVV Code No signature No expiration date
  42. 42. Feb 2019 75 Million passengers 3 Million driver 65 countries 600 cities 15 Million rides a day
  43. 43. In the future, paying will no longer be something we do Paying will happen in the background simply invisible
  44. 44. M2M payments
  45. 45. Quelle: welcomia, 123RF
  46. 46. Source: 123rd.com
  47. 47. Satoshi Nakamoto Peer to peer De-central Anonymous Secure Realtime ? Low costs ?
  48. 48. > 3,000 crypto currencies > 20,000 markets
  49. 49. Paper Call Center Internet 100 Cent 1 Cent Factor 10 10 Cent Factor 100 Cost of a transfer FrankSchwabSpeaks.com Factor 1000 Crypto 0.1 Cent
  50. 50. Blockchain
  51. 51. Blockchain Public ledger Public keyPrivate key Transaction signed with private key www.FrankSchwabSpeaks.com
  52. 52. De-centralized Each participant has a copy of the public ledger www.FrankSchwabSpeaks.com
  53. 53. Cheap computing power Watt per MIPS 1975 1985 1995 2005 2015 101 10-1 10-3 10-5 Source: OurWorldinData.org
  54. 54. Edge computing
  55. 55. New skill money
  56. 56. Smart Contracts Public ledger Transaction block with condition condition Example Stocks: dividend payment www.FrankSchwabSpeaks.com
  57. 57. Trade finance usabilityautomation
  58. 58. Example used cars finance www.FrankSchwabSpeaks.com
  59. 59. Money becomes programmable /“ < >; < > “/
  60. 60. Ripple ripple XRP – 3rd largest crypto currency USD 12 Bn USD market cap
  61. 61. Jed McCaleb
  62. 62. Foto: C. Nick Lynch
  63. 63. Foto: Jamen Percy. http://instagram.com/jamenpercy
  64. 64. „Money is central to us. Money and all forms of transferring money are our core business.“ Burkhard Balz, Board member of Deutsche Bundesbank Source: CFS-Conference, 8th Mai 2019
  65. 65. „The only way to ultimately save civilization will be to deprive governments of their power over money. The current instability of the market economy is a consequence of the fact that the most important regulator of the market mechanism, money, has been excluded from regulation by the market process.“ "Denationalization of money“, 1976 Friedrich August von Hayek, Nobel Prize Winner 1974
  66. 66. Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust Trust
  67. 67. INSTEX
  68. 68. World Economic Forum - 2015 By 2025 10% global GDP
  69. 69. Crypto currenciesAll money USD 83.6 Trillion USD 200 Billion
  70. 70. 0.25 %
  71. 71. Factor 40
  72. 72. ?
  73. 73. Quelle: Bitbond
  74. 74. IoT Role of
  75. 75. Source: newsroom.Porsche.com park charges refuel
  76. 76. Source: Jaguar Data sharing Car sharing Battery charging Parking ticket
  77. 77. Source: Jaguar
  78. 78. All just hype?
  79. 79. ICO Market 2017: USD 4.9 Billion 28 in billion USD 680 Source: crunchbase 1.400 2.800 x 100
  80. 80. Venture Capital Investments in Blockchain und Crypto in billion USD 2014 900 2015 1,100 2017 1,500 2013 600 Sources: cointelegraph, PitchBook, Diar 2018 2,500 2016 1,300
  81. 81. /“ < >; < > “/
  82. 82. ripple
  83. 83. Digitale Gold – February 2019 190,040,000 kg 17,557,000 Coins 7,982 Mrd USD 67.4 Mrd USD Fair value 1 BTC = 450,000 USD
  84. 84. Factor 90
  85. 85. We are at the beginning We are here
  86. 86. Diffusion of innovation Longer than we think Faster than we think time diffusion
  87. 87. Success = 1% talent + 99 % hard work
  88. 88. Frank@FrankSchwab.de FrankSchwabSpeaks.com

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