In 2016 the European Central Bank (ECB) discussed the use of digitisation and new technologies and how such may affect the banking systems of tomorrow. The ECB reflected on the utilisation of Distributed Ledger Technologies (DLT), their potential impact in improving credit institutions internal efficiencies, the possibility of a critical core of market players making use of such technology leading to the shift in the modus operandi of a large market segment, and the revolutionary scenario of a peer-to-peer world without interm…
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