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The Future of banking: Is Cryptocurrency a Threat to Banks - Superior Business Essays

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The Future of banking: Is Cryptocurrency a Threat to Banks

Cryptocurrency which is also known as digital currency gained massive popularity in 2017. Cryptocurrencies operate just like normal currencies, and it allows the owners to purchase goods and services. According to the Business insider in 2017 alone new cryptocurrencies raised more than $3.5 billion in initial coin offerings. Cryptocurrencies use a technology known as blockchain which is a decentralized technology spread across many computers that manage and record transactions.

With the increasing popularity of cryptocurrencies, the traditional financial banks are starting to take notice. Gradually banks and technology services are realizing the real potential of cryptocurrencies and the underlying distributed ledger technology behind them as important assets for their organizations. The fact that cryptocurrencies are independent of central banks and therefore they are able to gain access into the existing financial markets and cause ripples is of concern to the regulators. One of the biggest worries of financial institutions is that the digital currencies will negatively affect their earnings and the clients’ willingness to do business with banks. The digital currencies also pose a risk to financial institutions because they limit their ability to track the movement of funds and also hinder their ability to comply with anti-money laundering regulations.

Currently, a lot of banks have been quietly investigating these digital currencies and blockchain technology. However, it is very evident that most of the cryptocurrencies have been troubled this year. An example is bitcoin which had a rocky year, but things are slowly shifting in the Fintech industry for crypto assets and their usage with the public. Most of the people who have used these digital currencies have had their interest sparked by the ability to trade these unregulated currencies for profit. However, with new entrants coming into the market the focus is shifting back to the original idea of currencies. Recently a project known as Sovereign (SOV) token was announced with the aim to push people to embrace the currency in cryptocurrency. This will, in turn, ensure that people treat cryptocurrencies as a medium of exchange not just like stock which can only be bought and sold. The beauty of transacting via digital currencies is that it eliminates the need for a third-party intermediary like a bank which poses a big challenge for the banks. Banks have started realizing that cyber currencies are much more than toys and they cannot keep on ignoring this fact. Banks which understand this know that this could be a significant problem in the near future.

Cryptocurrencies are actually functionally and legally recognized as currencies, and this might be the tipping point for banks. In the meantime, we are left to monitor the emergence of a new and rapidly growing industry.

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