{"id":39776,"date":"2023-01-01T13:13:00","date_gmt":"2023-01-01T13:13:00","guid":{"rendered":"https:\/\/www.elixirr.com\/?p=39776"},"modified":"2025-10-30T14:35:03","modified_gmt":"2025-10-30T14:35:03","slug":"2023-trends-financial-services","status":"publish","type":"post","link":"https:\/\/www.elixirr.com\/en-us\/2023-trends-financial-services\/","title":{"rendered":"2023 trends: financial services"},"content":{"rendered":"\n

From the early internet (Web 1), characterized by its read-only function, to the recent era of Web 2, which has enabled social media and ecommerce giants to thrive, the internet has undergone a huge evolution. And with the latest boom \u2013 Web3 \u2013 accelerated by the COVID-19 pandemic, lockdowns and the accompanying global recession, it\u2019s soon expected to be quite different from what we\u2019ve experienced so far.<\/p>\n\n\n\n

When it comes to the financial services<\/a> space, Web2 enabled the growth of centralized entities \u2013 that is, organizations with a restrictive, centralized control on consumer data \u2013 allowing these bodies to use consumer data for their own strategic purposes. However, as consumers have become more reliant on the internet, we\u2019ve seen new startups, decentralised applications, and community-driven projects emerge. These decentralised models are cutting out the \u2018middleman\u2019 and bringing power back to people and creators. <\/p>\n\n\n\n

A decentralised internet<\/strong><\/h2>\n\n\n\n

Enter Web3 \u2013 an internet designed with blockchain technology to be decentralised, <\/em>encompassing many new developments such as NFTs (where creators retain far more for their efforts than Web 2 models); Decentralised Finance (ie DeFi); and a Decentralised Autonomous Organization\u2019s (DAO\u2019s) governance model, enabled by self-sovereign digital identity and decentralised cloud services.<\/p>\n\n\n\n

Not only will a decentralised space increase security and privacy going forward, it will also prevent the internet being controlled by only a select few organizations. Users can interact without giving away their data to be stored and used, allowing them to own and conceal their data and personal information. Blockchain technology makes the applications built on it more secure and less likely to be censored. This is because information created on the blockchain is recorded in blocks, which are duplicated and distributed across the entire network of computer systems on the blockchain. As a result, information is impossible to hack or change, making the use of blockchain for financial transactions incredibly secure.  We can see how this will play out in the diagram below; these core building blocks combine with features such as wallets, agents and programmability to deliver the full Web3 vision.<\/p>\n\n\n\n

\"\"<\/a>
Outlier Ventures<\/a><\/figcaption><\/figure>\n\n\n\n

The future of Web3<\/strong><\/h2>\n\n\n\n

While the financial services industry has already been challenged and transformed by Web3, many are wondering just what the future holds for this innovation, and whether its accelerated growth will continue. With help from Keith Bear<\/a>, Associate Partner at Elixirr and Fellow at the Cambridge Center for Alternative Finance, I’ve put together some thoughts on the future of Web3 and how I think it\u2019ll evolve over the coming months. Get in touch<\/a> if you want to discuss anything further, or what this means for your business.<\/p>\n\n\n\n

Regulation<\/strong><\/h2>\n\n\n\n

In the world of digital assets, and even more so after the failure of FTX, regulation continues to be a hot topic. Central banks around the world are researching and even implementing their own digital assets in the form of CBDCs (central bank digital currencies), whilst the industry edges closer to co-regulation. This is a form of regulation where the regulator and the regulated work closely together in a decentralised environment to protect customers without constricting the model. An example is the EU\u2019s recent RFP on automatic supervision of DeFi networks. Central banks, as well as governments and institutional bodies, have been researching and piloting different variations of DeFi tools across the blockchain (e.g. Projects Mariana and Guardian), so we should expect to see DeFi regulation drafts taking off in 2023. <\/p>\n\n\n\n

The next year will also bring an increasing amount of automation of regulatory obligations in digital asset trading, with the use of smart contracts to automatically make or break contracts if they don\u2019t adhere to the coded regulatory standards. <\/p>\n\n\n\n

Evolution of Stablecoins <\/strong><\/h2>\n\n\n\n

Stablecoins are cryptoassets that are pegged to a stable commodity or currency \u2013 for example, Tether, a stablecoin pegged to the US dollar. The potential role of using stablecoins for everyday banking and institutional client payments, as opposed to supporting crypoasset trading as they do now, will continue to be a major talking point for the rest of the year. For example \u2013 the cryptoasset lead at Checkout.com is using stablecoins on crypto rails<\/a> to facilitate real-time settlement of payments for merchants. <\/p>\n\n\n\n

The fact that stablecoins can settle payments at any<\/em> time of day, 24×7, is what makes them such an innovative tool. There is also a potential for merchants to gain yield on receiving stablecoins rather than immediately transferring them to cash. Next year, expect to see more merchants offering stablecoin payments.<\/p>\n\n\n\n

Development and future of DeFi<\/strong><\/h2>\n\n\n\n

Both financial institution adoption and the emergence of new Web3 and DeFi organizations will contribute to the expected increase in the uptake and innovation of Web3 within finance. Many financial institutions have been exploring and implementing DeFi solutions within the past decade. In November 2022 J.P. Morgan issued its first cross-border DeFi transaction on a blockchain \u2013 part of a pilot program aiming to explore how financial institutions can use tokenised assets and DeFi protocols to complete financial transactions. The month prior, they had partnered with Visa to combine their private in-house blockchain networks to facilitate global consumer token transactions and payments. This emerging adoption of DeFi by large institutional players clearly indicates a trending path, a converge of DeFI and TradFi if you like, so expect to see both large and small financial institutions releasing their own tokenised assets, stablecoins, cryptoasset wallets and even blockchains in the year to come. <\/p>\n\n\n\n

The past decade has also seen a growing number of successful DeFi startup organizations creating their own tokenised assets and decentralised exchanges. One of the original decentralised exchange operators founded in 2018, Uniswap, has since processed over $209B in volume. It\u2019s interesting to note that following the recent failure of FTX, a centralized exchange, (due to, in part, flawed internal process and controls), DeFi volumes greatly increased<\/em> as investors withdrew their cryptoassets from other centralized exchanges\u2019 custody wallets in order to use the non-custodial DeFi platforms. As a result, Uniswap\u2019s volumes exceeded Coinbase (a leading centralized exchange) for the first time.<\/p>\n\n\n\n

New developments in the loan marketplace are also developing within the DeFi space. For example, lending platforms are emerging, allowing individuals to use their cryptoassets as collateral to generate a stablecoin. Smart contracts \u2013 DeFi based contracts which are programmed to automatically self-execute agreements through their code \u2013 are also emerging and are being used to facilitate agreements, including in the DeFi loan marketplaces. Indeed, we should expect to see significant exciting transformations in the areas of lending, fundraising and smart contracts because of Web3 and DeFi in the year ahead. <\/p>\n\n\n\n

What does this mean for you?<\/strong><\/h2>\n\n\n\n

As banks grapple to stay ahead in the Web3 era, they face new and complex challenges. Challenges that our financial services experts<\/a> will help you transform into opportunities for innovation. To stay ahead of the game, connect with us<\/a> today. <\/p>\n","protected":false},"excerpt":{"rendered":"

From the early internet (Web 1), characterized by its read-only function, to the recent era of Web 2, which has enabled social media and ecommerce giants to thrive, the internet…<\/p>\n","protected":false},"author":1,"featured_media":39781,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[338,129],"related_service":[],"related_industry":[42],"class_list":["post-39776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-2023-trends","tag-financial-services"],"acf":[],"yoast_head":"\n2023 trends: financial services - Elixirr - USA<\/title>\n<meta name=\"description\" content=\"As banks grapple to stay ahead in the Web3 era, they face new and complex challenges. 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https:\/\/www.elixirr.com\/en-us\/wp-content\/uploads\/sites\/2\/2022\/12\/FS-trends-2023-1640x984.jpg 1640w\" sizes=\"(max-width: 2400px) 100vw, 2400px\" \/> <div class=\"wp-component-card__preview-icon\">\n <span class='edwp-svg '><svg width=\"47\" height=\"47\" viewBox=\"0 0 47 47\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g>\n<path d=\"M23.4141 0.539062C36.1232 0.539183 46.4258 10.8416 46.4258 23.5508C46.4257 36.2599 36.1231 46.5624 23.4141 46.5625C10.7049 46.5625 0.402465 36.2599 0.402344 23.5508C0.402344 10.8415 10.7048 0.539062 23.4141 0.539062ZM23.4141 1.68945C11.3606 1.68945 1.55273 11.4974 1.55273 23.5508C1.55286 35.6041 11.3607 45.4111 23.4141 45.4111C35.4673 45.411 45.2743 35.604 45.2744 23.5508C45.2744 11.4974 35.4674 1.68957 23.4141 1.68945Z\" fill=\"currentColor\"\/>\n<path d=\"M19.2841 33.6992C18.9579 33.6986 18.6374 33.6111 18.3543 33.4454C17.7167 33.0759 17.3203 32.3585 17.3203 31.5797V15.8189C17.3203 15.0379 17.7167 14.3227 18.3543 13.9531C18.6442 13.7827 18.9735 13.6951 19.3078 13.6994C19.6421 13.7037 19.9692 13.7998 20.2548 13.9776L33.4237 22.0406C33.6981 22.2166 33.9244 22.461 34.0812 22.751C34.238 23.0409 34.3203 23.3668 34.3203 23.6982C34.3203 24.0295 34.238 24.3555 34.0812 24.6454C33.9244 24.9353 33.6981 25.1798 33.4237 25.3558L20.2527 33.421C19.9604 33.6017 19.6256 33.6979 19.2841 33.6992Z\" fill=\"currentColor\"\/>\n<\/g>\n<\/svg>\n<\/span> <\/div>\n <\/figure>\n <div class=\"wp-component-card__content edwp-row-load\">\n <p class=\"wp-component-card__eyebrow\">\n Articles <\/p>\n <a href='https:\/\/www.elixirr.com\/en-us\/2023-trends-financial-services\/' class='wp-component-card__title'>\n <h2>\n 2023 trends: financial services\n <\/h2>\n <\/a> <div class=\"wp-component-card__description\">\n From the early internet (Web 1), characterized by its read-only function, to the recent era of Web 2, which has enabled social media and ecommerce giants to thrive, the internet… <\/div>\n <div class=\"wp-component-card__meta\">\n <p class=\"wp-component-card__date\">\n 01 January 2023 <\/p>\n <div class=\"wp-component-card__terms\">\n <div class=\"wp-component-tags edwp-component\">\n <div class=\"wp-component-tags__tag\">\n Financial Services <\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"wp-component-card__button-wrapper\">\n <button class=\"btn btn--link arrow wp-component-card__button\">\n Read more <span class='edwp-svg '><svg width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<g id=\"Lg\">\n<path id=\"Vector\" d=\"M1.12509 9.50162H15.8648L9.43259 3.06941C9.374 3.0113 9.3275 2.94216 9.29576 2.86599C9.26403 2.78981 9.24769 2.70811 9.24769 2.62559C9.24769 2.54307 9.26403 2.46137 9.29576 2.38519C9.3275 2.30902 9.374 2.23988 9.43259 2.18177C9.54971 2.06535 9.70814 2 9.87328 2C10.0384 2 10.1969 2.06535 10.314 2.18177L17.8151 9.6829C17.8737 9.74101 17.9202 9.81014 17.9519 9.88632C17.9837 9.96249 18 10.0442 18 10.1267C18 10.2092 17.9837 10.2909 17.9519 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