跨國貨運區塊鏈 省錢增效率

(文章於2017年4月12日在香港經濟日報刊登)

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讀者知否,香港國際機場貨運量全球第一、葵青貨櫃碼頭則是全球第六大貨櫃港?作為國際貨運樞紐,每年有無數貨物從香港運送到世界各地。隨同這些貨櫃的還有各種貿易文件。

專家估計,處理和管理這些貿易文件的成本,最多可佔實際運輸成本的20%。全球最大貨櫃航運公司馬士基 (Maersk) 的研究亦指出,僅僅將一批冷凍貨物由東非運到歐洲,便要涉及30個組織和個人,彼此間超過200次通訊。

能否將貿易文件電子化來提升效率?許多企業已嘗試不同供應鏈方案,但始終是以個別企業為基礎。貿易文件牽涉到的單位卻跨越國家,非企業級供應鏈能夠取代。

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IBM與四方精創合作推動香港區塊鏈發展

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四方精創將成立區塊鏈創新中心  藉IBM雲運算及設計思考
促進銀行及金融業的業務創新

IBM (NYSE:IBM) 與深圳創業板上市、銀行業資訊科技服務供應商四方精創資訊股份有限公司 (SZ:300468),今天宣布一項區塊鏈合作項目,旨在加速跨境金融科技應用的開發,為香港的銀行及金融業開創更多嶄新商機。

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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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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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區塊鏈出招 阻二噁英蟹橫行

(文章於2016年11月17日在香港經濟日報刊登,原題為「區塊鏈可保食品安全」)

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食品安全議題近來炒得火熱。遠至歐美等地的「瘋牛肉」及「注膠牛」,到最近驗出的二噁英超標大閘蟹,這些事件令我們察覺到,今天食糧供應跨越國界,預製食物更牽涉原材料供應商、烹調製作商以及物流配送三方,監管不易。

傳統方法會為合規產品頒發證書,但以紙本為基礎的證書容易做假。當食物供應跨越國界穿洋過海,面對不同文字註述的包裝食物,常人未必能輕易解讀,讓不法之徒有機會從中作假。

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Blockchain and the Internet of Things

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Blockchain continues to be a hot topic among businesses in Hong Kong. On November 11, TVB Pearl Money Magazine aired another Blockchain story that discusses how the new technology will revolutionize the logistics industry and make the Internet of Things more secure. IBM subject matter expert Iqbal AliKhan is again featured as one of the speakers. The full program can be viewed at here.

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