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By David Schwach The Internet of Things – what is it and what numbers are we talking about? The Internet of Things (IoT) is a network of physical objects and appliances that use various technologies (sensors, software etc.) to connect with each other over the internet. For the general audience it is mostly connected with

By Joachim Dorschel und Kai Roßdeutscher In this article, we take a closer look at the question of what practical relevance programmable money can actually have for payment transactions. To start with, the following considerations refer to all the varieties of programmable money under discussion, i.e. both those issued by private stakeholders and those issued

By Cliff Jamba In May 2020 Ripple announced that it has become part of the ISO 20022 Standards Body – a multi-part International Standard, set to replace SWIFTs current MT messages and aimed at a single standardised approach (methodology, process, repository) to be used by all financial standards initiatives. ISO 20022 creates a common language

by Joachim Dorschel and Kai Rossdeutscher The hype around Blockchain, in general, and crypto currencies, in particular, is over. While 2 or 3 years ago the debate was still marked by shrill enthusiasm, on the one hand, and defiant defence, on the other, there is now room for a differentiated view. This applies to the

When looking at the history of German banking IT, the conversion of xBorder and HVPS payment systems to the new ISO20022 standard is the first project to be overwhelmed by a pandemic that has all but brought daily life and work to a standstill across the globe. Also in the financial sector, it goes without