AGSM The Star September 2016 | Page 13

Why: Relatively fast transactions, no fees, can occur irrespective of geography, How: Bitcoin Wallet, essentially your ‘bank account’ of all transactions (private keys) and value. and relation to other blocks around it. Where: Originally served at the official ledger for Bitcoin transactions. When: Every ten minutes or so a new block of data transactions is added to the chain. Bitcoin Address: essentially your bank account number Why: A secure way or moving, transferring or storing information Private Key: Your access code to your wallet Nodes: Computers on the network storing bits of the blockchain ledger Application: Any field or industry Bitcoin Mining: Computers that solve math problems quickly to add a block of information to the blockchain. If you are the first to complete the problem you can reward yourself with 25 bitcoins. The Blockchain: A network of computers validates and keeps track of bitcoin payments, and ensures that they are recorded by being added to an ever-growing list of all the bitcoin payments that have been made. BLOCKCHAIN Basics: Blockchain has been touted as being a disruption to banks as well as a saviour to banks, from replacing third parties to creating more efficient third parties, and of course enabling financial inclusion. At the end of the day, a Blockchain is a chain of blocks, or a giant file that is broken up and stored on a network of computers, that when combined forms a chain of information that is mutually agreed upon and confirmed by the network. Each block is like a book – with title, table of contents, data and a page number in the former of a fingerprint that references the previous block. Bits and pieces of these blocks are stored as files on different computers within the network. The Blockchain is a public record that anyone, with access, can see. Ben Pousty of itBit.com says, “Blockchain technology offers the financial services industry the opportunity to create faster more efficient market infrastructure. Introducing instantaneous settlement into key capital markets will reduce counterparty risk, increase trade velocity and lower capital requirements. The concept of a shared ledger and immutable transaction record will provide for transparent auditability. Over time, programs like bankchain. com will have the ability to provide participants across the financial services industry with new revenue opportunities, streamlined operations and significant cost-savings.” The Harvard Business Review recently completed a two-year study of Blockchain and found that the uses extended to nearly all fields. “Where not just information but anything of value – money, titles, deeds, music, art, scientific discoveries, intellectual property, and even votes – can be moved and stored securely and privately.” Think of it this way, Blockchain creates a digital registry of everything from financial transactions to works of art or design – meaning there will be a public ledger making forgery that much harder and creating a new level of transparency. If companies don’t want to get left behind, and miss the wave of technology they had better start disrupting their old model. And if we want to get jobs, in competitive industries, we had better understand the technology and implications. Who: Managed and kept current by miners, or nodes, on the network. What: A continuously growing ledger of data records. Comprised of ‘blocks’ that are secure and cannot be tampered with. Each block is fingerprinted to identify location in the chain STAR 13