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La conquête des block-chains sur le monde bancaire | Remi Tauleigne | TEDxAvignon


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[Applause]
[Music]
how is computer security
coupled with the concentration of our data
personal is changing
our territories and goes even more
change the conquest of our territories
then in an environment entirely
to digitize a trend to
digitization generalize security
IT is an important issue and
put a little in the heart of all
problematic the shane blocks that made
the subject of many communications
specialized by big
computer scientists in our many
by the way communication tedx same ted
all come to a conclusion that is
unanimous and the shane block is in the process
to radically change our economy
lamrock shane profoundly modifies the
economic models
then the encryption principles are
not new and forget about it already use
coded messages
they encrypted their letters of credit
much later in history enigma
during WWII
will secure messages
strategic since it was
military messages
so what is the block
shane brings in our environment that
ultimately must radically changed our
economic models our organization
economic and a whole series of use
from the simplest to the most complex
so there blog shane relaxation
computer scientist I will explain
quickly the principles but especially
what will be the implications the blog
shane it’s a computer protocol
that allows you to move that allows you to
convey very little information
large amount and this way
instant is fully secure
for now it’s as if at each
treatment processes in a
protocol each of the stakeholders of
this chain of treatment
write on an indelible pen
that he does and this on a book that we do not
can not tear off the page
we have the possibility to transfer this
information from point a to point b
first steps have come together in
capsules misinformation is the
crypts on dates and once arrived
in fact to the poems but we check that he
there was no change
so we have the opportunity to know that he
there was no alteration of
the information then know in encrypted a
military message during the war or
to allow the Templars not to
move with a lot of money on them
by encrypting their letters of credit
we understand well in fact both there
logic and then strategy but
finally what is the fact of
able to transfer data in very
large quantity modifies in our uses
the most everyday ones eh well these
changes are all the more
important that if the data
available strategic are they in
very large volumes
imagine just a moment in a room
the ability to look so
simultaneous
all the financial data the
your identity document tax notice
paychecks account statements
property tax and this instantly
a room in which all these documents
in fact are spread and one person
who would have a license and your
authorization will have the opportunity to
render and have a global vision in
instant of all your life
and know that to this day,
available information is becoming
more important
the batches of data it is
possible to have access are becoming
more important and for a reason already
rather simple is that the essentials of
our documents are actually
dematerialized then these documents that we
believed to be original patravi
of taxing your paycheck in
reality are only representation
graph of a database
existing your property tax is only
the projection of a database
your statement of account with the logo of
your bank your name your address
in all operations is
that a representation in fact of a
list of operations in a system and one
put more very far
so we’ll take the example of
statements of account in the course of seeing
say it when there are still some time
we consulted our goal as on our
smartphone
it was handy since we can
look everyday at our
different operations
there pretty likely you
noticed for some you use it
your banking application has given you
authorization the possibility of being able
add our statement of account
from another bank
there are also applications
specialized it’s called
aggregators that let you manage
your budget with whom actually meet
statements of bank accounts
different before to manage the accounts
go to bing bang an account in a
bank a cause in another
we received them by papers looked
we had to gather then we had
had the application of the bank then this
was only the men of tomorrow
we had to look at both
applications you have to have both
phone applications to go the
aggregators actually allow you
to be able to put your statements of account
all in the same place so if it’s for
these practices however if we
projects a little it means that with a
authorization from you we have
collected banking information
and all this in one place is you
who decided to gather these
information even better to say
concretely this technology she
already exists the procedure already exists
that is your information
sensitive strategic information where
you clicked you said yes I
want to add a bank
hop you have friends and you have your
banks with different operations
that had to be on your global floor off this
even distinguish your consumption
restaurant your purchases
the rent etc so actually we can
gather information and even
better then lower only the
statements of account as would say if you
have all in mind maybe
your statement or your opinion
then they are not at the same
place they are on accounts
different mayors I propose to you
actually look at a screenshot
it is a government site that
is called apis.google.com and tell me
what is an api an api
the same
wass have suffered the most it is
a take
that is, the government has made
provision of holds that allow
people coming to connect
so on this site there is the list of APIs
that comes out today available for the
most of them going in letters
allowing computer systems
to be able to connect to recover
information
so be careful you need authorization
naturally our customers but it takes
especially an amenity everyone will have
no access to information in fact
api of the government it is necessary to be able
respect a computer protocol but
especially it must be inconveniences then that
in the middle it’s france connect france
know that it already works
it’s already active there are sites to
commercial uses that already use
france connect france connect is a
device that actually allows you to
log in
and identify a user so
formal before to identify ourselves on
imagine at the customs
some time ago we present a
piece of ID and the person the
customs officer or policeman bath but dull
and equations the document he had
under the eyes and watch if that
looks like would like where to go and then
then bill look at the picture is a
at the time it was not like that and then
finally he says good but it’s good
match so we let you spend the
connect
it’s actually from an account
certified if you have an app account and
hip hop to the point where ameli.fr which is a
tale of the Hebrew state does have the
possibility of entirely you
identify without ID
it looks like showing an ID
actually in front of your screen would not serve
a lot but we are already going
a second cape
we saw the statements that
gather and we saw the identification
without any human contact then down
of page in fact he wrote there
discover the other 24 API’s
government I propose to you
browse a few
just focus a little second
on the individual’s happy and api
social security and well
actually on the site of
government
so tempted that one has an approval is
naturally the authorization of the customer
we have the opportunity to know the opinion
taxation who have clouds and we have
the possibility of having an equivalent
a proof of address
the amount of coffee you collect
if you see the cost of your
hires the net salary
the gross salary and the most surprising
usually it’s the pay slip
that is to say that in the context of this
environment there is the possibility
to identify someone one can by
the previous example bring together the
account statements and we have all of the
data available yours the
mine
they are with your permission
as soon as the person agrees
he’s on the government website and that’s
no science fiction just now
the picture was referring in science
fiction there we are actually in the
reality then all these countries are not
fully deployed but very
clearly are in the API list
who are going to be and we get into this
environment there then you go to me
say
ok ok there is information that is
centralized I can identify myself
it still saves time
it’s interesting to be able to manage your
budget on the same application and but
in the end what does it change and that
change everything i’m going to give you just a
example
when will you take out a loan?
instant real estate real estate
just an impact it will become
the role of my bank advisor or is going
be good bank advisor or is going to be
the agency in which there is my
bank advisor currently
the ability to recover data
of a financial customer so of
solvency
identity changes drastically
all the geographical constraints
and time of the subscription of a
credit
so we all have an example where you
has happened where you have a friend to whom
it happened who to buy a property
immovable
they were asked for a ream of paper
this vehicle has three four appointments to
the bank 2 3 months to be able to realize
the operation
there are more documents more than
documents the instantaneity of
information
we transfer secure information
we have a standard and instantaneous decision
it radically changes the territory
from the bank branch
it radically changes its mesh
it radically changes the strategy
to acquire customers to enter
in contact with his client
this is a time when we were going to testify
New Year gifts made to stop you
do not have a project in the year yes that
creates a link there
finally computer security the
availability of data generates
changes that go well beyond
they have far beyond because it makes
evolve the concept of proximity
proximity that was a notion
purely geographical be side by side
becomes a notion that is technological
ie being connected being close
other areas
be close to his client be close to
his family is no longer the client then that
do not change that it also changes
the notions of centrality
that is to say that before being in the center
it was geographically accessible
there again now a territory
central can be seen
competition by a territory which
risk on connect this changes the
relationship that we have to centrality and
rare are the phases in history
in which centralities have moved and
we are very clearly in my train
book one so it’s not about
to bear the judgment sure is what it is
well or is it not good
on the other hand, it started a test on
sense of history
it’s not about minimizing
the social impacts that this may have
and that’s fine and that’s going to have
we have seen in the banking example the
banking world is in the process of
radically evolved and changed
and suddenly the banking staff there are
a complete redistribution actually makes
missions and territories
in this area but one for one
could have nevertheless taken our
example parallel and here it’s going to be
rather for my nature it also opens up
opportunities we talked about
redistribution of centrality we talked
to be competitive to recover
in fact in a lifetime
lilith is possible however
clearly we are no longer in a
environment where it’s the distance that
will play a role
the central position becomes in fact
a connected notion and in which the
proximity all the rules of proximity
have completely changed the sweat
connection is an opportunity
territorial, it is necessary to take the
great extent because in the end this
object that we considered in a
first time as useless futile
and the vector of revolution
industrial that is going on and this
object think again it’s not a
phone is a vehicle to very
great speed
thank you
[Applause]
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