Smarta kontrakt - vägen mot en helt digitaliserad bank : En studie om blockchain-tekniken inom core banking

Sammanfattning: In the banking industry today there are processes in need of digitalisation to meet the digital needs of the customers. An area which is a candidate for digitalization is core banking which stands for Centralized Online Realtime Exchange and includes processes such as bank loans. By implementing the blockchain technology and smart contracts to core banking processes they can become digital and meet needs such as efficiency and transparency. The purposes of this master thesis are to examine the attitude Swedish banks have towards the blockchain technology, find out what core banking processes that could benefit from an implementation of a smart contract, and create an implementation model of a specific core banking process as a smart contract. By examining these topics a holistic perspective of how the blockchain technology can create value for the banks and customers can be reached to create a proof of concept model of a core banking process with the blockchain technology and smart contracts. The purposes are fulfilled by a literature study, interviews with representatives from Swedish banks, legal experts and requirements specialists and a model consisting of flowcharts, requirements,specifications, stakeholders and models in the blockchain platform Corda. Generally the banks have a positive attitude towards the blockchain technology but there are regulations that hinder the development process. Promissory notes was the process chosen to be implemented as a smart contract since itscharacteristics are fulfilled by the blockchain technology and according to thebanks this process would create the most value. According to a evaluation by the requirement experts at the employer Applicon the implementation model is suitable as a proof of concept and a good base for future prototyping.