數碼大時代 「開放」不可擋

(文章於2017年2月13日在香港經濟日報刊登)

l_si_1018-opencapi-01今天港人申請樓按,須把個人財務資料遞交不同銀行或按揭機構。假如有一套開放標準,可以在保護個人資料私密的情況下,讓申請者簡單比對不同按揭優惠,同時讓銀行快速檢查批核,豈不更好?

這種開放標準,正於全球各地出現:歐盟自去年實施的新支付服務準則 (PSD2) 、英國「開放銀行工作組」(OBWG) 以及 VISA 同期相繼的公布,都不約而同地提倡發展符合金融法規的開放應用程式介面 (APIs) ,讓業界可推出支持數據快速及安全互通的銀行及金融服務。

軟件和服務有API,硬件原來也有「API」。在後端支持著無數網絡服務的伺服器系統,也正投入開放大趨勢。

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模擬電腦攻擊 對抗網絡匪黨

(文章於2017年1月4日在香港經濟日報刊登)

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辦公室平凡的一天,一片細碎的聲音。忽然,營業代表發現無法查看產品狀況,助理亦無從出單收錢,大家牢騷爆發,IT 部門如臨大敵,只有負責人保持冷靜。事實上他不單冷靜,還感到心寒。因為不到一分鐘前,他才收到一條不知名訊息,指公司電腦已被對方綁架,想恢復運作便要於限時前付贖金,否則對方會刪除或公開數據。

各位看倌會怎辦?

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Reimagining Financial Services with Blockchain

(This article is also published in Computerworld Hong Kong on December 14, 2016)

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Blockchain is finally getting the attention it deserves. From left to right: Sheila Lam (Computerworld Hong Kong), Larry Campbell (KPMG China), Bob Crozier (AIA Edge), and Ian Mitchell (IBM).

Often confused with bitcoin, a cryptocurrency based on blockchain technology, blockchain itself offers more promises than digital currency. It is also changing the fundamentals of finance.

Understanding the blockchain promise

Before blockchain, most technological advances improved or streamlined transactions and interactions. But they still follow traditional business rules and practices. For example, most companies keep their ledgers for protection against fraud and tampering.

Although well founded, it has traditionally made asset ownership and transfer inefficient. However, this solution worked in a world where trust was not a commodity.

Blockchain aims to change this; it makes trust a commodity leveraging cryptographic technology, transparency and business networks. It does this by encapsulating trust in a shared ledger that is transparent to every participant, and permanently recording all transactions in chronological order.

In a recent panel discussion organized by IBM, industry experts and observers noted that this makes blockchain a potential industry game changer.

Click the following links or contact us if you want to understand more about Blockchain and LinuxONE:

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認知運算技術 助NASA尋科研突破

(文章於2016年12月14日在香港經濟日報刊登)

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Hidden Figures © 2016 Twentieth Century Fox Film Corporation.

將於 2017 農曆新年上畫,被視為來屆奧斯卡熱門的 《NASA 無名英雌》 (Hidden Figures) 的真人真事電影,揭露了一大歷史秘密。

冷戰時代,美國和前蘇聯太空競賽處處落後,急欲迎頭趕上。三位天才級的黑人女數學家,洞察當時美國太空總署 (NASA) 新引進 IBM 電腦的驚人計算能力,成立「西區電腦部」(West Area Computers Unit),一個全部由黑人女數學家組成的電腦編程組織,準確計算太空船飛行軌跡,讓美國實現太空船繞地球飛行的夢想。

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Reshaping banks and financial institutions to compete and thrive in the digital age

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Everyday AI At Work Blog Series

A banking license is no longer a guarantee to print money.  After years of ultra-low interest rates, increasing demands from regulatory and compliance, and cost-cutting measures, yields are not returning meaningful results.

The ever present 24 hour banking scene, and the convenience of out of branch servicing, has led to the anonymous and unaccountable network services center model that has a tangibly negative impact on client satisfaction. This model has also increased the public awareness of service standards, and service impact, while not increasing yields or customer growth. Being the incumbent players in the world of financial commerce, the banking industry has long established processes and procedures that have enabled efficiencies and structure within the established industry. But new players are not burdened by this legacy and are embarking on disruptive technology that offers niche services targeted at high volume highly profitable services.

Small wonder then that customers are increasingly turning to services offered by financial technology companies to fulfill their commoditized service needs.

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區塊鏈全球通行 賦予鑽石名份

(原文於2016年11月24日在香港經濟日報刊登)

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Marilyn Monroe’s “Diamonds are a girl’s best friend”

有云:鑽石是女人的摯友。然而,鑽石的「名份」卻是一個困擾。

鑽石沒有世界通行的身份證。竊賊在甲地偷了寶石,拿到乙地去賣,神不知鬼不覺。因此,盜竊問題一直令人頭痛。業界嘗試了不同方法,如為知名鑽石發身份證,但當數據庫被黑客入侵,如去年十月美國寶石學院便宣佈,他們鑑定的逾千顆鑽石記錄失效。

英國初創企業 Everledger 最近利用 IBM 針對區塊鏈開發的軟硬件技術,發展出一套分佈式鑽石身份記錄系統,為鑽石賦予全球性的「名份」。日後即使個別系統被攻陷,電子竊賊竄改鑽石記錄,其他系統都能察覺,防患未然,為鑽石以至未來其他奢侈品,例如名畫等,提供前所未有的安全保障。

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