Bitcoin Forum

The Blockchain technology is taken seriously by the financial sector, as it can become a major disruptor
of the traditional banking sector. The unchanging and inviolable nature of the blockchain makes it the
ideal solution to reduce costs and simplify everything from payments to transactions, securities issues,
retail banking, clearing, settlement, etc. It is becoming clear that the blockchain technology is much
more than Bitcoin or cryptocurrencies. While implementations such as payment and monetary systems
are certainly disruptive, the greatest disruption could come from other uses of these unique and powerful features.

1. Loans and credits
Banks help with payments, loans, and credits. However, traditional lenders are subscribed to loans
based on an inaccurate and unsecured credit reporting system. When completing a bank loan
application, banks must assess the risk that the loans will not be returned. They do this by having
complex factors such as credit ratings, the proportion of debt and income and the ownership
of properties. To obtain this information, they access clients’ credit report provided by one of the
three leading credit agencies which are Experian, TransUnion, and Equifax. By using these data,
banks can then evaluate the risk of defaults and interests on the loans.

2. Centralized banking system
It is safe to say the centralized banking system has been failing because most of its core
operations are manipulated by the “greedy and powerful” people within the sector.
This has led to corruption in the traditional banks and system and gradually,
the fiat currency system will fail. Transparency in this banking system is far-fetched
as clients have no insight to what their money is used for as they have no control of it.
Thus, the monies kept by clients, which have little or no interest at all, in these banks are used
by the corrupt people to enrich themselves.

3. Fees and charges
Traditional banks and third-party payment gateways charges exorbitant fees for every transaction carried out.

PayPal
PayPal charges a 2.9% fee from the total amount of payment received and a flat fee of $0.3
on each transaction carried out. In some countries where debit cards are not allowed for
online transactions worldwide, users who do not have credit cards have resorted to asking
PayPal third-party providers to top up for them.

Credit Cards
The charges paid by credit card users are really high and this has been a thorn in the flesh for them.
Annual Fees, Balance Transfer Fees, Cash Advance Fees, Expedited Payment Fees, Foreign Transaction Fees,
Late Fees, and Returned Check Fees.

Intermediaries such as visa and MasterCard also charge merchants with extremely high interchange
reimbursement and surcharge fees which are unnecessary. There are also rules and regulations that
merchants have to follow in order to partner with these third-party payment processors.

4. Insurance
The major problem with insurance in traditional banking is ingenuity and fraud within the system,
not to mention that you have to queue long hours and dial countless phone calls to get your desired
insurance manually.







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