Finance

Le consortium de banques indiennes va lancer une plate-forme basée sur la blockchain

Dans le but d’éliminer les obstacles au financement des micro, petites et moyennes entreprises (MPME), 11 banques indiennes envisagent de collaborer pour développer une nouvelle plate-forme blockchain, a révélé le 28 janvier une agence de presse locale, Economic Times.

Les banques impliquées dans la collaboration incluent des noms importants tels que ICICI Bank, Kotak Mahindra Bank, HDFC Bank, Standard Chartered Bank, RBL Bank, Axis Bank, South Indian Bank et Yes Bank, entre autres. Outre les onze banques participantes, trois banques font partie de l’initiative en tant que membres extérieurs, à savoir la Bank of Baroda, la IndusInd Bank et la State Bank of India.

Les banques sont déjà en discussion pour la mise en place correcte d’une plateforme permettant aux petites entreprises de collecter des fonds de manière plus transparente.

Ce développement récent est organisé en consortium et s’appelle «Blockchain Infrastructure Company».

Selon le vice-gouverneur de la Reserve Bank of India (RBI), qui est également la banque centrale de l’Inde, Viral Acharya, «le taux de pénétration du crédit est faible pour le secteur [des MPME] où le volume du billet est généralement compris entre 10 roupies lakhs. [environ 14 000 dollars] et 1 crore roupies [environ 140 000 dollars]. »

L’objectif ultime de ce développement du consortium est d’éliminer les problèmes de communication entre les banques, a déclaré Abhijeet Singh, responsable de la technologie d’entreprise à la banque ICICI. Il a dit:

«Un réseau blockchain ne peut prospérer que si l’ensemble de l’écosystème travaille en synergie au sein d’un seul réseau.»

Inde et blockchain

L’Inde est assez hostile envers les crypto-monnaies. Récemment, un groupe d’experts a soumis un rapport au ministère des Finances indien recommandant la mise en place d’un nouveau cadre juridique interdisant les cryptos. Toutefois, l’Inde a été proactive dans la mise en œuvre de la technologie de la blockchain au cours des dernières années.

Le gouvernement a annoncé un projet basé sur la blockchain, appelé IndiaChain, en juin 2018, permettant aux entités privées et publiques de créer divers outils, tels que des applications de paiement, tout en surveillant de près les données utilisées. En août, le gouvernement a annoncé le premier «district de blockchain» dans le pays pour soutenir les startups. Outre les banques qui utilisent la blockchain pour effectuer des transactions, la blockchain semble également être la technologie choisie par le secteur des télécommunications.

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