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Author Topic: Technological Wizards of the Banking Industry  (Read 2745 times)
Minecache
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February 02, 2016, 01:20:40 PM
 #1

What happened to all the so called technological wizards who work in the banking industry? The financial sector often boasts that it only employs the best of the best, so that said, why didn't one person within that sector design, develop and conceive an electronic cash or distributed ledger system? What have all these technological wizards been doing within the banking industry all these years?


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February 02, 2016, 01:42:09 PM
 #2

What have all these technological wizards been doing within the banking industry all these years?

1. testing bailouts
2. do bailouts
3. retire
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February 02, 2016, 01:49:49 PM
 #3

What happened to all the so called technological wizards who work in the banking industry? The financial sector often boasts that it only employs the best of the best, so that said, why didn't one person within that sector design, develop and conceive an electronic cash or distributed ledger system? What have all these technological wizards been doing within the banking industry all these years?

banking behind the scenes have not changed in decades. they have employed a few "temps" to tweak and change a few things. but most of the time they are just employing network managers watching the network, rather than programmers creating new networks.

for banks its more like employing a smart cable guy to swap network cables and test data is going down the right cable. not programmers

the banks leave it for visa, mastercard to do the more creative technology features of NFC, faster payments. and then just send those faster payments to the banks old system in batches of out of date format

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February 02, 2016, 03:04:46 PM
 #4

So there's no financial geniuses within the industry employed to inovate and bring down transactional costs?


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February 02, 2016, 03:38:06 PM
 #5

The only innovation from them is to find create ways to charge people more fees for stuff that was supposed to be free. They also found innovative ways

to spend the income from these fees, for example big corporate sponsorship for Sport. These guys apply practices that puts us in debt for 20 to 30 years

and we are happy to pay them double and even triple the amount they loaned us. {Bonds} Why are they allowed to do that? They have the backing of

the governments. 

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February 02, 2016, 04:06:14 PM
 #6

What have all these technological wizards been doing within the banking industry all these years?

1. testing bailouts
2. do bailouts
3. retire

it would be funny if it didn't feel like a tragic truth  Embarrassed


Corporations are mostry greed-drive. The idea that competition create incentives for innovation is overrated and flawed. If you control a huge part of a market, there's no reason for you to spend money on inovation. You focus on making pure profit.
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February 02, 2016, 04:16:29 PM
 #7

So the bankers have literally just been designing and developing ever more inventive ways of milking us all.


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                ╓@▓▓▓▓▓▓▓▓▓█▓▀╜╙            '╙▀▀▓▓▓▓▓▓▓▓▓▓▓▓▓▓▌
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February 02, 2016, 05:37:17 PM
 #8

What happened to all the so called technological wizards who work in the banking industry? The financial sector often boasts that it only employs the best of the best, so that said, why didn't one person within that sector design, develop and conceive an electronic cash or distributed ledger system? What have all these technological wizards been doing within the banking industry all these years?

banking behind the scenes have not changed in decades. they have employed a few "temps" to tweak and change a few things. but most of the time they are just employing network managers watching the network, rather than programmers creating new networks.

for banks its more like employing a smart cable guy to swap network cables and test data is going down the right cable. not programmers

the banks leave it for visa, mastercard to do the more creative technology features of NFC, faster payments. and then just send those faster payments to the banks old system in batches of out of date format

Then I have a quick question for you.. So if it's really up to Visa, Mastercard, and other payment system technologies, then why do we always hear about banks such as JP Morgan Chase boasting that it will be looking to "incorporate blockchain technology" to it's banking sector?  Wouldn't the CEO's of the major banks just leave it up to the Visa and the like to incorporate the blockchain format for them?

I've always wondered about this, and it never really made any sense to me... since there is no "Wells Fargo Card" or "JP Morgan Card"... it's all pretty much Visa now and days.

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February 02, 2016, 06:37:54 PM
 #9

everytime everything goes red they just press another zero button "0" watch it all go

green again,  look at the flood of dollars that hits China when they do it  Cheesy

a new ghost city is built there every week now,

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February 02, 2016, 06:42:41 PM
 #10

Careful what you ask for:

http://r3cev.com/

http://www.coindesk.com/r3cev-distributed-ledger-wall-street/

http://www.pionline.com/article/20160122/ONLINE/160129944/11-banks-complete-experiment-using-blockchain-technology

https://www.cryptocoinsnews.com/jpmorgan-memo-9-billion-slated-studying-blockchain-robotics/


AND: Now they scabbed Mike Hearn too!

http://bravenewcoin.com/news/30-top-banks-and-mike-hearn-have-now-joined-r3-global-consortium/



CONCLUSION:  They're trying to take us out!

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February 02, 2016, 06:46:01 PM
 #11

So the bankers have literally just been designing and developing ever more inventive ways of milking us all.

haha yes, exactly this.  That is their main motive.  I cannot see them attempting to innovate for the people or really do anything for the people.

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February 02, 2016, 07:08:37 PM
 #12


their are bigger fish in the universe with more advanced currency,

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February 02, 2016, 07:11:55 PM
 #13

What happened to all the so called technological wizards who work in the banking industry? The financial sector often boasts that it only employs the best of the best, so that said, why didn't one person within that sector design, develop and conceive an electronic cash or distributed ledger system? What have all these technological wizards been doing within the banking industry all these years?

Why would a bank want a distributed ledger system when they can just have their own ledger?

With their own ledger system they can:

- make changes immediately
- rollback any fraud
- not have to deal with others when upgrading or running the system

There is zero reason for any banking system to have a distributed ledger. The fully electronic cash and computerized banking system in the U.S. works fine as it is.

All my recurring bills are paid automatically and electronically and 99% are paid without any additional fees. The only one I have a fee for is my pool guy who doesn't have a computer so my bank mails him a physical check once a month at the additional service cost of $1.

All my daily purchases are done via credit card. I get (about 3%) cash back on my purchases and the merchant pays the fees. My balance is paid in full each month, with no fee, from my checking account.
keats3
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February 02, 2016, 07:13:11 PM
 #14

So the bankers have literally just been designing and developing ever more inventive ways of milking us all.

haha yes, exactly this.  That is their main motive.  I cannot see them attempting to innovate for the people or really do anything for the people.

Their technological wizards were responsible for the fiasco's when nobody could make or receive payments when they upgraded their systems. During those fiasco's no customers bosses could pay them their wages, so they couldn't pay their direct debits, and loan payments. The banks then tried charging their customers for not honoring those direct debits, and loan payments although their incompetence had made that impossible.

Those technological wizards will be hard at work designing the banks personal blockchain, which will be as big a fiasco.

Bitcoinpro
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February 02, 2016, 07:20:36 PM
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What happened to all the so called technological wizards who work in the banking industry? The financial sector often boasts that it only employs the best of the best, so that said, why didn't one person within that sector design, develop and conceive an electronic cash or distributed ledger system? What have all these technological wizards been doing within the banking industry all these years?

Why would a bank want a distributed ledger system when they can just have their own ledger?

With their own ledger system they can:

- make changes immediately
- rollback any fraud
- not have to deal with others when upgrading or running the system

There is zero reason for any banking system to have a distributed ledger. The fully electronic cash and computerized banking system in the U.S. works fine as it is.

All my recurring bills are paid automatically and electronically and 99% are paid without any additional fees. The only one I have a fee for is my pool guy who doesn't have a computer so my bank mails him a physical check once a month at the additional service cost of $1.

All my daily purchases are done via credit card. I get (about 3%) cash back on my purchases and the merchant pays the fees. My balance is paid in full each month, with no fee, from my checking account.


your pool guy prob runs his own miner for all you know

everything u posted is Fiat Fuuudddd

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February 02, 2016, 07:22:49 PM
 #16


Would Ethereum be included in that list of more advanced currencies?  I've been watching the development of it and it seems like an extremely versatile platform.  It's kinda scary what kind of potential it it has....I don't know though....R3CEV has some pretty big players.  

Preclus
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February 02, 2016, 07:28:48 PM
 #17

your pool guy prob runs his own miner for all you know

everything u posted is Fiat Fuuudddd

As I stated, my pool guy doesn't have a computer, that is why I have him mailed a physical check each month.

What I posted was completely accurate, what exactly is your problem with it?
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February 02, 2016, 08:00:35 PM
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So the bankers have literally just been designing and developing ever more inventive ways of milking us all.

This is nothing new I would say.
Have the banks ever been good to us? Not in my country!
In my opinion it is time to kick some bankster's butt!

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February 02, 2016, 08:14:52 PM
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What happened to all the so called technological wizards who work in the banking industry? The financial sector often boasts that it only employs the best of the best, so that said, why didn't one person within that sector design, develop and conceive an electronic cash or distributed ledger system? What have all these technological wizards been doing within the banking industry all these years?

An equally probing question would be "why haven't they created a currency based on BTCeanie BTCabies?"
The answer would not be much different: "Because that would be stupid. "Distributed ledger" is used in banking. It's called a frickin' DATABASE.

But you probably mean "satoshi's blockchain, a TRUSTLESS distributed ledger, secured by POW, i.e. turning electricity into heat." If that's what you mean, banks don't use it because it is one of the most inefficient databases there is."
If you have any other questions, please do not hesitate to ask.
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February 02, 2016, 08:36:29 PM
 #20

What happened to all the so called technological wizards who work in the banking industry? The financial sector often boasts that it only employs the best of the best, so that said, why didn't one person within that sector design, develop and conceive an electronic cash or distributed ledger system? What have all these technological wizards been doing within the banking industry all these years?

Why would a bank want a distributed ledger system when they can just have their own ledger?

With their own ledger system they can:

- make changes immediately
- rollback any fraud
- not have to deal with others when upgrading or running the system

There is zero reason for any banking system to have a distributed ledger. The fully electronic cash and computerized banking system in the U.S. works fine as it is.

All my recurring bills are paid automatically and electronically and 99% are paid without any additional fees. The only one I have a fee for is my pool guy who doesn't have a computer so my bank mails him a physical check once a month at the additional service cost of $1.

All my daily purchases are done via credit card. I get (about 3%) cash back on my purchases and the merchant pays the fees. My balance is paid in full each month, with no fee, from my checking account.


I think you make some valid points. Bitcoin offers pseudo anonymity and more security from confiscation. Using a checking account for small amounts isn't too big a risk but the bank knows your business. Keeping a large sum there makes it possible to lose it via a "bail in" if you believe our economic system is close to collapse (many solid economics thinks so). With banks paying near zero interest then commodities like gold and silver are more secure and the loss of interest on them is not a big deal. But you can't send silver or gold through the Internet. Now Bitcoin compared to credit cards seems like a no-brainer. Bitcoin doesn't send your identity. No one can make fraudulent charges after they steal your Bitcoin number. Yes, I'm aware that you can call the bank and BEG them to take the charges off, threaten them that you will stop using their services if they don't and whatever else but because you pander to 'the credit rating" they have you by the shorthairs. The merchants have everything to gain and nothing to lose by using Bitcoin. Will credit card fraud increase or decrease? Identity theft? They all weigh in.

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