A visual representation of the digital cryptocurrency Bitcoin JACK GUEZ/AFP/Getty Images



数千家实体企业已经应用了这些技术来击穿金融中介的各个方面。 PayPal,支付宝,微信支付,Venmo等数十种在线支付服务拥有数以亿计的日常用户。基于大量的个人和企业在线数据,金融机构能在几秒钟内做出准确的贷款决定,而不是几周。随着时间的推移,这种数据驱动的信贷分配提升甚至可以消除周期性的信贷驱动型繁荣和萧条。


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