{"id":4007,"date":"2016-11-25T00:19:43","date_gmt":"2016-11-24T23:19:43","guid":{"rendered":"http:\/\/e3mag.com\/?p=4007"},"modified":"2022-02-06T00:08:51","modified_gmt":"2022-02-05T23:08:51","slug":"la-blockchain-transforme-le-secteur-financier","status":"publish","type":"post","link":"https:\/\/e3mag.com\/fr\/la-blockchain-transforme-le-secteur-financier\/","title":{"rendered":"La blockchain transforme le secteur financier"},"content":{"rendered":"<p>Un num\u00e9rique <span id=\"urn:local-text-annotation-s74l05wvgslx9cmr8uyinl41s1bghxsr\" class=\"textannotation disambiguated wl-thing\">Monnaie<\/span> comme les bitcoins, qui ne d\u00e9pendent pas d'une banque centrale ou d'une banque priv\u00e9e. <span id=\"urn:local-text-annotation-3vxtm1szpqqv1drinqjiuedyha5p1lq6\" class=\"textannotation disambiguated wl-thing\">Banques commerciales<\/span> fonctionne de mani\u00e8re efficace. Un aper\u00e7u d\u00e9taill\u00e9 de la <span id=\"urn:local-text-annotation-axmtk24sbc4wwmbiv7uy6sr8m693v5q8\" class=\"textannotation disambiguated wl-thing\">Cha\u00eene d'approvisionnement<\/span> d'un produit qui, lors de <span id=\"urn:local-text-annotation-ow15t82zvchnw9grnf3d5prlgt0qi7db\" class=\"textannotation disambiguated wl-thing\">Consommateurs<\/span> de l'entreprise. Une fa\u00e7on de s\u00e9curiser les contrats sans avoir recours \u00e0 un <span id=\"urn:local-text-annotation-lf9trd0t7qh216gvvt5t71d244k0f17k\" class=\"textannotation disambiguated wl-thing\">Notaire<\/span> \u00e0 d\u00e9poser.<\/p>\n<p>C'est possible gr\u00e2ce \u00e0 la blockchain, dont on ne parle plus seulement dans le milieu informatique ou dans les start-ups, mais dans tous les secteurs.<a href=\"https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain.jpg\"><img loading=\"lazy\" decoding=\"async\" title=\"La blockchain transforme le secteur financier\" class=\"aligncenter size-full wp-image-4046\" src=\"https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain.jpg\" alt=\"Exemples d&#039;application de la blockchain\" width=\"1172\" height=\"511\" srcset=\"https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain.jpg 1172w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain-768x335.jpg 768w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain-100x44.jpg 100w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain-480x209.jpg 480w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain-640x279.jpg 640w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain-720x314.jpg 720w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain-960x419.jpg 960w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Blockchain-1168x509.jpg 1168w\" sizes=\"auto, (max-width: 1172px) 100vw, 1172px\" \/><\/a><\/p>\n<p>Quelles sont les applications possibles \u00e0 l'heure actuelle et quelles sont les questions juridiques soulev\u00e9es par la nouvelle loi ? <span id=\"urn:local-text-annotation-g9a8x17ait8yy8yqgdad2afzp10nqv0g\" class=\"textannotation disambiguated wl-thing\">Technologie<\/span> sur ?<\/p>\n<p>Il r\u00e8gne encore une grande confusion \u00e0 ce sujet. L'association num\u00e9rique Bitkom a donc publi\u00e9 un guide intitul\u00e9 \"Blockchain #<span id=\"urn:local-text-annotation-mfvc4hssonvtm79n34ssr2pmwsfy4dsl\" class=\"textannotation disambiguated wl-thing\">Services bancaires<\/span>\" publi\u00e9.<\/p>\n<p>Marco Liesenjohann, responsable du secteur bancaire, des services financiers et des FinTechs chez Bitkom :<\/p>\n<p><em>\"Le secteur financier illustre bien le changement radical de concept qu'impliquent les technologies blockchain.<span id=\"urn:local-text-annotation-mdoconyzzmxlufmrnvs5eo21r552ogst\" class=\"textannotation disambiguated wl-thing\">Technologie<\/span> de l'\u00e9conomie mondiale : Les transactions deviennent possibles directement entre deux parties - en renon\u00e7ant \u00e0 de nombreux services interm\u00e9diaires encore n\u00e9cessaires aujourd'hui et sur la base d'un m\u00e9canisme de confiance technologique\".<\/em><\/p>\n<p>Le guide d'une soixantaine de pages commence par une d\u00e9finition de la technologie blockchain.<span id=\"urn:local-text-annotation-w3dowt1c94g4c8uhr3zu2x6sqc6eq1do\" class=\"textannotation disambiguated wl-thing\">Technologie<\/span> et les distingue d'autres termes souvent utilis\u00e9s comme synonymes, tels que <span id=\"urn:local-text-annotation-o8y1p5rtb2p7p23hrqxx5a7qmr5qqvqa\" class=\"textannotation disambiguated wl-thing\">Bitcoin<\/span> ou Distributed Ledger.<\/p>\n<p><a href=\"https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Zitat-Marco-Liesenjohann.png\"><img loading=\"lazy\" decoding=\"async\" title=\"La blockchain transforme le secteur financier\" class=\"wp-image-3888 alignleft\" src=\"https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Zitat-Marco-Liesenjohann.png\" alt=\"La blockchain transforme le secteur financier\" width=\"163\" height=\"405\" srcset=\"https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Zitat-Marco-Liesenjohann.png 236w, https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/Zitat-Marco-Liesenjohann-100x248.png 100w\" sizes=\"auto, (max-width: 163px) 100vw, 163px\" \/><\/a>Il examine \u00e9galement les nombreuses parties prenantes de l'industrie financi\u00e8re qui s'int\u00e9ressent aux technologies blockchain.<span id=\"urn:local-text-annotation-i0ebw56natj492vc0ebaetbjxow2ck0n\" class=\"textannotation disambiguated wl-thing\">Technologies<\/span> les ont, les demandent, les d\u00e9veloppent ou sont responsables de leur r\u00e9gulation.<\/p>\n<p>Dans le d\u00e9tail, les diff\u00e9rents chapitres abordent ensuite les th\u00e8mes suivants <span id=\"urn:local-text-annotation-t6omnmyjnwm2tqoflitupz1x9ndwsxel\" class=\"textannotation disambiguated wl-thing\">Bitcoin<\/span>Le rapport aborde \u00e9galement la question de l'utilisation de Ripple en tant qu'approche alternative et des contrats intelligents \u00e0 l'exemple de la blockchain Ethereum.<\/p>\n<p>Des sc\u00e9narios d'utilisation concrets pour les entreprises seront ensuite d\u00e9velopp\u00e9s.<\/p>\n<p>Un autre chapitre est consacr\u00e9 au large \u00e9ventail de questions juridiques soulev\u00e9es par ce groupe de produits disruptifs. <span id=\"urn:local-text-annotation-ankrqopw4o4dbs7sprzdl1a7w9polob6\" class=\"textannotation disambiguated wl-thing\">Technologies<\/span> sont soulev\u00e9es.<\/p>\n<p>On y discute par exemple de la mani\u00e8re dont le <span id=\"urn:local-text-annotation-mlr6253ig51ldtx8lp3chpi6rte04fl0\" class=\"textannotation disambiguated wl-thing\">Commerce<\/span> Les conditions juridiques que doivent remplir les fournisseurs de crowdlending ou de crowdfunding ou les cons\u00e9quences du droit du blanchiment d'argent sur les solutions blockchain.<\/p>\n<p>Enfin, trois <span id=\"urn:local-text-annotation-xcknt5q8mpqvzyd1187casiyvfb5yyfm\" class=\"textannotation disambiguated wl-thing\">Sc\u00e9narios<\/span> a d\u00e9velopp\u00e9 la mani\u00e8re dont une <span id=\"urn:local-text-annotation-2uoruyie1573qg7yjj3rr4t6tis5bkhw\" class=\"textannotation disambiguated wl-thing\">Autorit\u00e9 de surveillance financi\u00e8re<\/span> sur le site <span id=\"urn:local-text-annotation-kf5xpxu0qrg1bjxoeqnwc8zda7vtuxtm\" class=\"textannotation disambiguated wl-thing\">Zone euro<\/span> dans le cas d'une utilisation g\u00e9n\u00e9ralis\u00e9e de la blockchain-<span id=\"urn:local-text-annotation-3pnumoyj049mxrlx7565g8siomvf7pl3\" class=\"textannotation disambiguated wl-thing\">Technologies<\/span> pourrait mettre en place.<\/p>","protected":false},"excerpt":{"rendered":"<p>Depuis le World Economic Forum de 2015, la blockchain est un sujet d'importance mondiale pour les d\u00e9cideurs \u00e9conomiques, sociaux et politiques. Mais qu'est-ce qui se cache exactement derri\u00e8re ce terme ?<\/p>","protected":false},"author":38,"featured_media":4028,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pmpro_default_level":"","footnotes":""},"categories":[740,6],"tags":[887,886],"coauthors":[19920],"class_list":["post-4007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mag1612","category-wirtschaft","tag-bitcoin","tag-blockchain","pmpro-has-access"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"thumbnail":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-150x150.jpg",150,150,true],"medium":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",400,262,false],"medium_large":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-768x503.jpg",768,503,true],"large":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"image-100":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-100x66.jpg",100,66,true],"image-480":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-480x314.jpg",480,314,true],"image-640":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-640x419.jpg",640,419,true],"image-720":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-720x472.jpg",720,472,true],"image-960":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-960x629.jpg",960,629,true],"image-1168":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"image-1440":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"image-1920":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"1536x1536":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"2048x2048":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"trp-custom-language-flag":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",18,12,false],"bricks_large_16x9":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"bricks_large":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"bricks_large_square":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",1000,655,false],"bricks_medium":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",600,393,false],"bricks_medium_square":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494.jpg",600,393,false],"profile_24":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-24x24.jpg",24,24,true],"profile_48":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-48x48.jpg",48,48,true],"profile_96":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-96x96.jpg",96,96,true],"profile_150":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-150x150.jpg",150,150,true],"profile_300":["https:\/\/e3mag.com\/wp-content\/uploads\/2016\/12\/shutterstock_476642494-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"<p>Blockchain ist sp\u00e4testens seit dem World Economic Forum von 2015 ein Thema von globaler Bedeutung f\u00fcr Entscheider aus Wirtschaft, Gesellschaft und Politik. Doch was genau verbirgt sich dahinter?<\/p>\n","category_list_v2":"<a href=\"https:\/\/e3mag.com\/fr\/categorie\/mag1612\/\" rel=\"category tag\">MAG 16-12<\/a>, <a href=\"https:\/\/e3mag.com\/fr\/categorie\/economie\/\" rel=\"category tag\">Wirtschaft<\/a>","author_info_v2":{"name":"Magazine E-3","url":"https:\/\/e3mag.com\/fr\/author\/e-3-magazin\/"},"comments_num_v2":"0 commentaire","_links":{"self":[{"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/posts\/4007","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/comments?post=4007"}],"version-history":[{"count":0,"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/posts\/4007\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/media\/4028"}],"wp:attachment":[{"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/media?parent=4007"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/categories?post=4007"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/tags?post=4007"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/e3mag.com\/fr\/wp-json\/wp\/v2\/coauthors?post=4007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}