Recent posts

12 (safe) Fintech predictions for 2020

This year I decided to only make safe 2020 predictions, because who doesn’t like to be proven right? I want to be able to brag about my successes in one year. 1/ Firms, the usual suspects (IBM, SAP, MS, the big four, McK, FB, etc.) and startups alike, will continue to mislead the public by […]

When blockchain? The answer after 4 years

Since August 2016 I collected many decisions trees “when to use blockchain” in this popular article. It’s been 3 years and a half. We now know what model works best. It’s simple, powerful and accurate: Look, it’s been 4 years and nobody found a convincing use case beyond cryptocurrencies. We can stop pretending. And no […]

The “business blockchain” vision evolves but is still flawed

The Bitcoin-to-Blockchain-to-Bitcoin cognitive cycle is usually the following: Step 1 – Wow Bitcoin is a cool and powerful system Step 2 – Let’s copy the Bitcoin design to manage all the things! Step 3 – Hum private permissioned blockchains are useless (the same services can always be delivered faster, cheaper and with the same security […]

La provenance n’est pas un cas d’usage de la blockchain

Le sophisme de la blockchain La “chaîne de blocs” (ou “technologie de registre distribué”) est une base de données distribuée, utilisant des algorithmes cryptographiques et des blocs de données formant une chaine. Vraiment? Si vous utilisez cette définition vous êtes coupable de sophisme car cette définition est aussi large que la notion de “logiciel” et […]

Supply chain is obviously not a blockchain use case

If by “a blockchain” (or “a distributed ledger”) you mean “a distributed data store using cryptographic functions and blocks of data chained together” then it basically means “software technology” and indeed pretty much everything can be digitized with software. It also means that people have been developing “blockchains / DL” for decades.  It’s a fallacy. […]

Aller au-delà des effets d’annonce sur la blockchain

Opinion publiée sur Capital (en Français / in French) Société Générale a annoncé avoir écrit et exécuté un contrat sur la blockchain Ethereum. Pour être clair, j’applaudis la SocGen pour ce test innovant ainsi que pour le coup marketing. Je souhaite ici réagir aux commentaires exubérants de certains analystes, et éclairer les enjeux de ce type […]