Digitalisering .................................................................................................................................................4
Leerdoelen van het vak digitalisering .................................................................................................4
De digitale revolutie tijdlijn ...............................................................................................................4
Wetmatigheden .......................................................................................................................................6
Bell’s Law effect ...................................................................................................................................6
Ondergang Kodak ...............................................................................................................................6
Technologische ontwikkelingen 1985-2020 .................................................................................6
Gevolgen van de digitale revolutie..................................................................................................7
De drone als taxi .................................................................................................................................7
Sensor netwerk haven van Rotterdam ..........................................................................................7
Adyen .....................................................................................................................................................7
Internet technologieën ..........................................................................................................................7
Decentraal netwerk met packet switching (TCP/IP) ....................................................................7
Encryptie ...............................................................................................................................................7
API (application programming interface) ......................................................................................8
Hash totalen.........................................................................................................................................8
Cloud computing ................................................................................................................................8
Packet switching..................................................................................................................................9
Hash algorithms ............................................................................................................................... 10
Database technologie ..................................................................................................................... 10
Standaardisatie ................................................................................................................................ 10
Moore Law......................................................................................................................................... 11
Transactiekosten .................................................................................................................................. 11
Gevolgen voor de financiële dienstverlening ............................................................................ 11
Nieuwe betalingssystemen ................................................................................................................ 12
Wet en regelgeving .......................................................................................................................... 13
IT Trends ............................................................................................................................................ 13
Gartner trends tech study ............................................................................................................. 13
Technologie, vertrouwen en transactiekosten ......................................................................... 14
De kosten van vertrouwen, a pilot study (2018): ...................................................................... 14
Centrale Instanties .......................................................................................................................... 14
Winst door lagere transactiekosten ............................................................................................ 14
1
Digitalisering & Disruptie Minor FinTech ||| P. Martina
, Blockchain ............................................................................................................................................. 15
Wat is een DLT? ................................................................................................................................ 15
Gartner: blockchain aandachtspunten ....................................................................................... 16
Blockchain marketwaarde ............................................................................................................. 17
Wat is Blockchain? ........................................................................................................................... 17
Start van Bitcoin/blockchain .......................................................................................................... 17
Blockchain basics ............................................................................................................................. 18
Moelijkheidsgraad mining .............................................................................................................. 18
Bitcoin BTC feiten: ........................................................................................................................... 18
Verdeling Hashpower ..................................................................................................................... 19
Hashrate ............................................................................................................................................ 19
Wallet .................................................................................................................................................. 19
Voordelen crypto’s........................................................................................................................... 20
Bronnen ............................................................................................................................................. 20
Byzantine Generals Probleem ...................................................................................................... 20
Verschillende crypto’s ..................................................................................................................... 20
Ethereum (blockchain 2.0) ............................................................................................................. 20
Smart contracts ................................................................................................................................ 21
Doof en blind .................................................................................................................................... 21
Blockchain nadelen ......................................................................................................................... 22
Blockchain types .............................................................................................................................. 23
In practice mostly permissioned blockchains ........................................................................... 23
Consensus mechanismen ............................................................................................................. 23
Vergelijking tussen de mechanismen ......................................................................................... 24
Blockchain voordelen ..................................................................................................................... 25
Corda .................................................................................................................................................. 25
Hyperledger ...................................................................................................................................... 25
Bekende crypto’s ............................................................................................................................. 27
blockchain stappenplan ................................................................................................................. 27
Mogelijke blockchain toepassingen ............................................................................................. 28
Peer-to-peer .......................................................................................................................................... 29
DAO ......................................................................................................................................................... 29
Disruptie ..................................................................................................................................................... 30
Disruptie in verschillende tijdvakken............................................................................................... 30
Business model .................................................................................................................................... 30
2
Digitalisering & Disruptie Minor FinTech ||| P. Martina
, Doel van een plaat: .......................................................................................................................... 30
Verdienmodel ................................................................................................................................... 31
Wat verstaat men onder een Businessmodel? ......................................................................... 31
Wanneer gebruik je een Businessmodel? .................................................................................. 31
Businessmodel omdraaien ................................................................................................................ 31
Businessmodellen veranderen ......................................................................................................... 31
Wat is dan disruptie?........................................................................................................................... 32
Disruptietheorie van Christensen: ............................................................................................... 32
Hoe reageert de bedreigde dan? ................................................................................................. 32
Daarna: ............................................................................................................................................... 32
Disruptie is overal en ook altijd ........................................................................................................ 33
Hoe zag het businessmodel er van oudsher uit?..................................................................... 33
Gaan door technologie die Businessmodellen veranderen? ................................................ 33
3
Digitalisering & Disruptie Minor FinTech ||| P. Martina
, Digitalisering
Voorspellen van de impact van de digitalisering op organisaties
• Wat zijn de belangrijkste veranderingen in technologie en wat is daarop de reactie van
de business
• Wat zijn hiervan de consequenties voor individuen, organisaties en overheden
• Hoe is de financiële wereld geëvolueerd en wat was de rol van de informatie
technologie hierin
• Wat kunnen we nog aan veranderingen verwachten. Zowel in technologie als in
processen in de financiële dienstverlening
• Kunnen optreden als intermediair tussen business en techniek
De digitale revolutie tijdlijn
Personal
computers
Transistor (1954
(1981 IBM)
Texas
Main frame Instruments,
Gordon Teal)
computers
⦁ (1939 John
Telefoon Atanasoff en
Clifford Berry)
(1854 Bell)
Electrische
telegraaf
(o.a. 1837
Morse)
Blockchain
(2008 Satoshi
Cloud (2006 Nakamoto)
Google)
Mobile telefonie
(1993 eerste gsm
network)
Internet (1983
ARPANET
stapt over op
TCP/IP)
Het is allemaal gestart met de elektrische telegraaf in 1837, die is uitgevonden door Morse.
Hierna volgde de telefoon in 1854, uitgevonden door Bell. Dan de eerste Main frame
4
Digitalisering & Disruptie Minor FinTech ||| P. Martina
Leerdoelen van het vak digitalisering .................................................................................................4
De digitale revolutie tijdlijn ...............................................................................................................4
Wetmatigheden .......................................................................................................................................6
Bell’s Law effect ...................................................................................................................................6
Ondergang Kodak ...............................................................................................................................6
Technologische ontwikkelingen 1985-2020 .................................................................................6
Gevolgen van de digitale revolutie..................................................................................................7
De drone als taxi .................................................................................................................................7
Sensor netwerk haven van Rotterdam ..........................................................................................7
Adyen .....................................................................................................................................................7
Internet technologieën ..........................................................................................................................7
Decentraal netwerk met packet switching (TCP/IP) ....................................................................7
Encryptie ...............................................................................................................................................7
API (application programming interface) ......................................................................................8
Hash totalen.........................................................................................................................................8
Cloud computing ................................................................................................................................8
Packet switching..................................................................................................................................9
Hash algorithms ............................................................................................................................... 10
Database technologie ..................................................................................................................... 10
Standaardisatie ................................................................................................................................ 10
Moore Law......................................................................................................................................... 11
Transactiekosten .................................................................................................................................. 11
Gevolgen voor de financiële dienstverlening ............................................................................ 11
Nieuwe betalingssystemen ................................................................................................................ 12
Wet en regelgeving .......................................................................................................................... 13
IT Trends ............................................................................................................................................ 13
Gartner trends tech study ............................................................................................................. 13
Technologie, vertrouwen en transactiekosten ......................................................................... 14
De kosten van vertrouwen, a pilot study (2018): ...................................................................... 14
Centrale Instanties .......................................................................................................................... 14
Winst door lagere transactiekosten ............................................................................................ 14
1
Digitalisering & Disruptie Minor FinTech ||| P. Martina
, Blockchain ............................................................................................................................................. 15
Wat is een DLT? ................................................................................................................................ 15
Gartner: blockchain aandachtspunten ....................................................................................... 16
Blockchain marketwaarde ............................................................................................................. 17
Wat is Blockchain? ........................................................................................................................... 17
Start van Bitcoin/blockchain .......................................................................................................... 17
Blockchain basics ............................................................................................................................. 18
Moelijkheidsgraad mining .............................................................................................................. 18
Bitcoin BTC feiten: ........................................................................................................................... 18
Verdeling Hashpower ..................................................................................................................... 19
Hashrate ............................................................................................................................................ 19
Wallet .................................................................................................................................................. 19
Voordelen crypto’s........................................................................................................................... 20
Bronnen ............................................................................................................................................. 20
Byzantine Generals Probleem ...................................................................................................... 20
Verschillende crypto’s ..................................................................................................................... 20
Ethereum (blockchain 2.0) ............................................................................................................. 20
Smart contracts ................................................................................................................................ 21
Doof en blind .................................................................................................................................... 21
Blockchain nadelen ......................................................................................................................... 22
Blockchain types .............................................................................................................................. 23
In practice mostly permissioned blockchains ........................................................................... 23
Consensus mechanismen ............................................................................................................. 23
Vergelijking tussen de mechanismen ......................................................................................... 24
Blockchain voordelen ..................................................................................................................... 25
Corda .................................................................................................................................................. 25
Hyperledger ...................................................................................................................................... 25
Bekende crypto’s ............................................................................................................................. 27
blockchain stappenplan ................................................................................................................. 27
Mogelijke blockchain toepassingen ............................................................................................. 28
Peer-to-peer .......................................................................................................................................... 29
DAO ......................................................................................................................................................... 29
Disruptie ..................................................................................................................................................... 30
Disruptie in verschillende tijdvakken............................................................................................... 30
Business model .................................................................................................................................... 30
2
Digitalisering & Disruptie Minor FinTech ||| P. Martina
, Doel van een plaat: .......................................................................................................................... 30
Verdienmodel ................................................................................................................................... 31
Wat verstaat men onder een Businessmodel? ......................................................................... 31
Wanneer gebruik je een Businessmodel? .................................................................................. 31
Businessmodel omdraaien ................................................................................................................ 31
Businessmodellen veranderen ......................................................................................................... 31
Wat is dan disruptie?........................................................................................................................... 32
Disruptietheorie van Christensen: ............................................................................................... 32
Hoe reageert de bedreigde dan? ................................................................................................. 32
Daarna: ............................................................................................................................................... 32
Disruptie is overal en ook altijd ........................................................................................................ 33
Hoe zag het businessmodel er van oudsher uit?..................................................................... 33
Gaan door technologie die Businessmodellen veranderen? ................................................ 33
3
Digitalisering & Disruptie Minor FinTech ||| P. Martina
, Digitalisering
Voorspellen van de impact van de digitalisering op organisaties
• Wat zijn de belangrijkste veranderingen in technologie en wat is daarop de reactie van
de business
• Wat zijn hiervan de consequenties voor individuen, organisaties en overheden
• Hoe is de financiële wereld geëvolueerd en wat was de rol van de informatie
technologie hierin
• Wat kunnen we nog aan veranderingen verwachten. Zowel in technologie als in
processen in de financiële dienstverlening
• Kunnen optreden als intermediair tussen business en techniek
De digitale revolutie tijdlijn
Personal
computers
Transistor (1954
(1981 IBM)
Texas
Main frame Instruments,
Gordon Teal)
computers
⦁ (1939 John
Telefoon Atanasoff en
Clifford Berry)
(1854 Bell)
Electrische
telegraaf
(o.a. 1837
Morse)
Blockchain
(2008 Satoshi
Cloud (2006 Nakamoto)
Google)
Mobile telefonie
(1993 eerste gsm
network)
Internet (1983
ARPANET
stapt over op
TCP/IP)
Het is allemaal gestart met de elektrische telegraaf in 1837, die is uitgevonden door Morse.
Hierna volgde de telefoon in 1854, uitgevonden door Bell. Dan de eerste Main frame
4
Digitalisering & Disruptie Minor FinTech ||| P. Martina
