Blockchain gaat veel businessmodellen veranderen – DecenterX

Blockchain zal bedrijfsmodellen veranderen – Waarom kun je gratis een e-mail naar iemand sturen, maar heb je voor het overmaken van geld een tussenpersoon nodig, plus enkele dagen geduld en kosten voor de transactie? Die vraag lijkt met de opkomst van de blockchaintechnologie overbodig te worden. ‘Deze ontwikkeling gaat de wereld echt veranderen. Nog meer dan de komst van internet destijds, verwacht ik’, zegt Erwin Giesbers van DecenterX.

Blockchain Technologie | Blockchain zal veel bedrijfsmodellen veranderen

Anders dan bij internet kan met blockchaintechnologie ook waarde direct worden overgedragen. ‘Bij een e-mail houd je zelf de kopie van wat je verstuurt. Bij blockchain is dat anders; maak je een bedrag over, dan is het direct weg en staat het ook direct op rekening van de ontvanger’, legt Giesbers uit.

Hij voorzag de ingrijpende ontwikkeling al in 2013 en richtte als directeur van Compello Trustbrix op om hiermee een veilige en decentrale toepassing te maken. Met zijn bedrijf werd hij hoofdsponsor van PEC Zwolle dat in die periode formidabel presteerde.

‘We waren één van de eersten, maar we liepen te ver voor de muziek uit’, realiseert Giesbers zich. ‘Op zich niet verkeerd, maar we willen het korps dan wel horen en dat was niet het geval. Als er meer vragen komen dan antwoorden, dan ben je te vroeg.’

Giesbers gaf niet op en zo ontwikkelt hij met DecenterX sinds anderhalf jaar concrete blockchain toepassingen. Daar zijn inmiddels al zo’n vijftien mensen bij betrokken.

GEMEENSCHAPPELIJK KASBOEK

Blockchain is gebaseerd op de Bitcoin technologie en ontstaan in 2008 tijdens de bankencrisis. Satoshi Nakamoto bedacht een systeem om waarde over te dragen via internet. Er ontstond een gemeenschappelijk kasboek dat op ieder moment wordt bijgewerkt.

Giesbers: ‘Zonder de bitcoin was er geen blockchain geweest. Er zijn inmiddels duizenden toepassingen naast de bitcoin. De kern van blockchain is dat je vertrouwen gaat automatiseren.

Daarbij heb je geen derde partij meer nodig. Bovendien is de blockchain veilig. De gegevens worden decentraal opgeslagen, dus niet op één computer maar op vele computers.

Zo is het systeem niet te hacken. En de belangrijkste vernieuwing van de blockchain zijn de smart contracts: onveranderbare afspraken gemaakt in computercode en vastgelegd in de blockchain.’

Banken, verzekeraars en notarissen krijgen door de komst van blockchain in de toekomst een heel andere rol. Giesbers: ‘De bank zit nu nog in het centrum van het geldverkeer. Met de komst van digitaal geld kunnen mensen binnen seconden wereldwijd, bijna kosteloos, geld overmaken.

De blockchain vormt dan het transportsysteem. Banken zullen zich gaan bezighouden met controle van gebruikers en geldstromen. Ze investeren inmiddels bijna een half miljard in blockchain. De grootste uitdaging is nog dat de regelgeving achterloopt. Er wordt inmiddels hard gewerkt aan de juridische kaders.’

DIVERSE TOEPASSINGEN

In mei dit jaar organiseerde de Stichting Blockchain Valley met DecenterX en Deloitte, het Blockchain Valley 2018 congres waar 450 bezoekers zich lieten informeren.

‘Tijdens dit congres hebben we mogelijke en bestaande toepassingen met blockchaintechnologie binnen verschillende sectoren, zoals zorg, onderwijs, overheid en de financiële dienstverlening getoond.

Zo werd met het Deltion College gekeken naar wat we kunnen doen tegen de nepdiploma’s die iedereen eenvoudig en voor weinig geld via internet kan bestellen. Door de diploma’s onweerlegbaar en voor altijd in de blockchain te registreren, kan een toekomstige werkgever erop vertrouwen dat de sollicitant de rechtmatige eigenaar is van het diploma.

Een groen vinkje in een mobiele app of op LinkedIn is het digitale waarmerk zodat het papieren diploma overbodig wordt. Een prachtige kans voor de regio Zwolle!’, volgens Giesbers.

‘Zo verandert blockchain businessmodellen’, vervolgt hij. ‘Neem een leverancier van bureaustoelen die met Internet of Things (IoT) een sensor in zijn stoel verwerkt. Hij verkoopt de stoelen voor een lagere prijs en iedere stoelbeweging wordt verwerkt en verrekend in de blockchain.

Of een luchtvaartmaatschappij die je bij aankomst op een luchthaven op een app laat zien of je koffer er is. Zo niet, dan wordt direct honderd euro aan je overgemaakt om de eerste levensbehoeften aan te schaffen. Menselijke interactie met een schadeafdeling is niet meer nodig is. De werkwijze is dus efficienter en als luchtvaartmaatschappij behoud je tevreden klanten.’

DIGITAAL MOODBOARD

Klanten kunnen bij DecenterX terecht voor het ontwikkelen van blockchain toepassingen: van idee tot realisatie. ‘Na kennis- en inspiratiesessies maken we aan de hand van een digitaal moodboard een bruikbare applicatie’, legt Giesbers uit. ‘Blockchain begint niet bij IT.

We gaan met het management op zoek naar efficiëntie voordelen of nieuwe businessmodellen. Daarna maken we een proof of concept. Dan kan de klant bepalen het in productie te nemen of niet. Blockchaintechnologie is niet bedreigend, omdat het naast bestaande systemen wordt gebouwd. Maar het kan met bestaande systemen worden gekoppeld.’

Bedrijven die nu té afwachtend zijn, zullen er nadeel van gaan ondervinden, is Giesbers’ stellige overtuiging. ‘Ik adviseer ieder bedrijf: ga erover nadenken, laat je informeren. Pak het eventueel met andere bedrijven op.’

Neem contact met ons op voor meer informatie.

Read Voetbalclubs ontdekken blockchain – DecenterX

Tekst: Erik-Jan Berends, Fotografie: Peter Timmer

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