BLOCKCHAIN to poj\u0119cie, kt\u00f3re kojarzy si\u0119 inwestorom zwykle z rynkiem kryptowalut. Ale ju\u017c nied\u0142ugo mo\u017ce by\u0107 wykorzystywane r\u00f3wnie\u017c w programach lojalno\u015bciowych. I dzisiaj o tym rozwi\u0105zaniu porozmawiam z Ekspertem od Technologii BLOCKCHAIN Jackiem Malinowskim. Zapraszam. Katarzyna Nawrocka „O programach lojalno\u015bciowych noc\u0105”. Dobry wiecz\u00f3r Jacku. Ja Ci\u0119 ju\u017c troch\u0119 przedstawi\u0142am i my si\u0119 ju\u017c znamy, ale mo\u017ce opowiesz troch\u0119 o sobie naszym widzom.<\/p>\n
Good evening, everyone. My name is Jacek Malinowski. I am a co-founder of JMMJ Software, which recently joined the international Uptime Group.<\/p>\n
Jack, this is a tricky topic for me today. I\u2019m not sure if it\u2019s just me, but BLOCKCHAIN seems like a very new technology to me. We\u2019ve already talked about this off-camera, and you\u2019ve made me realise that\u2019s not the case. That it\u2019s not a new solution at all, so perhaps to start with, let\u2019s focus on explaining to people like me what BLOCKCHAIN is. Because, as far as I\u2019m concerned, up until now, BLOCKCHAIN and cryptocurrency were essentially one and the same.<\/p>\n
To jest bardzo typowe spostrze\u017cenie. Wi\u0119kszo\u015b\u0107 os\u00f3b tak odbiera technologi\u0119 BLOCKCHAIN – \u017ce jest to tylko zwi\u0105zane z kryptowalutami. Oczywi\u015bcie dlatego, \u017ce wi\u0119ksze wykorzystanie, do tej pory najwi\u0119ksze wykorzystanie technologii BLOCKCHAIN by\u0142o do kryptowalut, ale pozw\u00f3l mi, \u017ce wyt\u0142umacz\u0119 to na prostym przyk\u0142adzie. BLOCKCHAIN mo\u017cna por\u00f3wna\u0107 do systemu operacyjnego natomiast kryptowaluta to jest aplikacja, kt\u00f3ra dzia\u0142a w tym systemie operacyjnym. Dlatego na tej technologii BLOCKCHAIN mo\u017cna do\u0142o\u017cy\u0107 kolejne aplikacje, kt\u00f3re maj\u0105 zastosowanie do innych cel\u00f3w biznesowych. Natomiast s\u0105 tak samo dobrze zaszyfrowane, przechowuj\u0105 pe\u0142n\u0105 histori\u0119 o wszystkich akcjach, kt\u00f3re si\u0119 dzia\u0142y wewn\u0105trz tej dodatkowej aplikacji opartej na technologii BLOCKCHAIN.<\/p>\n
I\u2019ll go ahead and repeat this in my own words, and please confirm or clarify if necessary. So, BLOCKCHAIN was created to support systems such as cryptocurrencies, but it turned out that it also has other applications.<\/p>\n
The story is a little different, but the result is indeed exactly the same. When Bitcoin was created, the word \u2018blockchain\u2019 hadn\u2019t even been coined yet. However, the technology that was used was later named \u2018blockchain\u2019. That implementation was used exclusively for cryptocurrencies. However, after some time, it was realised that this method of encryption and data security could be used in other technologies. And another very well-known cryptocurrency, in people\u2019s minds, is Ethereum. In reality, however, it is an entire system \u2013 a network of computers \u2013 which, as well as supporting the Ethereum cryptocurrency, can also be used to build highly complex applications, business applications and various related ventures.<\/p>\n
In that case, perhaps you could tell us what your company does, given that you\u2019re now an expert on BLOCKCHAIN.<\/p>\n
Since 2008, we have been implementing bespoke software for our clients. This is mainly B2B software. However, around four or five years ago, we began to take an interest in blockchain technology. At that time, it was still a niche technology. We kept an eye out for a solution that would, at some point, allow us to introduce our business clients to this technology so that they could utilise it to meet their needs. We noticed just such a development when there was a clear distinction between cryptocurrencies and smart contracts \u2013 that is, contracts which are capable of implementing business applications digitally and automatically. However, they do not necessarily have to be linked to any particular cryptocurrency.<\/p>\n
I\u2019m going to keep saying here that, off-camera or during our initial conversations, you explained something to me. I hope our viewers will forgive me for this, but I\u2019ve tried very hard to prepare thoroughly for today\u2019s episode, bearing in mind that this is a completely new subject for me. And you were talking about your work, about what your company does. And one sentence really stuck in my mind: that there are situations where a potential client comes to you asking to use this technology in their operations, in their company, in their field, and you\u2019re in a position to turn them down. Not because you don\u2019t want to work with them, but because, after a thorough assessment, you don\u2019t see a place for this technology in their operations or their sector.<\/p>\n
Yes. We always begin with what is known as the \u2018discovery\u2019 process to understand the nature of our client\u2019s business and why they want to develop such an application in the first place, so that we can select the most suitable technology. If it turns out that the project our client is bringing to us is a typical project that can be based on a database, where they will be the sole owner and administrator of that data, but for marketing or other reasons they would like to use blockchain technology, then we discuss together whether there really is a point in using this technology. Sometimes it does. If we\u2019re talking about wanting to involve other companies in collaboration on the same project or within the same ecosystem, then it\u2019s sometimes worth developing an application using blockchain technology, even if there\u2019s only one data owner to begin with. However, after a while, further contractors and partners may join, and that is when the use of blockchain technology makes sense. However, there are many cases where, following our analysis and after explaining what blockchain technology entails \u2013 and clarifying that in this particular situation a standard database application would be entirely sufficient \u2013 we are able to persuade the client to opt for the traditional approach instead.<\/p>\n
No i tutaj przyszed\u0142 moment, w kt\u00f3rym chcia\u0142abym Ci\u0119 dopyta\u0107 o to, czy widzisz zastosowanie, je\u015bli tak to jakie, technologii BLOCKCHAIN w programach lojalno\u015bciowych? Rozmawiali\u015bmy o tym, \u017ce mi przy tym pytaniu bardzo wybrzmiewa\u0142 taki przyk\u0142ad banku centralnego, kt\u00f3ry rz\u0105dzi walut\u0105 w danym kraju, a organizatorem programu lojalno\u015bciowego czy te\u017c loterii, kt\u00f3ry nie b\u00f3jmy si\u0119 tego s\u0142owa – rz\u0105dzi punktami, katalogiem nagr\u00f3d i wszystkim co si\u0119 wi\u0105\u017ce z t\u0105 loteri\u0105 i programem lojalno\u015bciowym. Czy widzisz tutaj w jakikolwiek spos\u00f3b miejsce dla BLOCKCHAIN w programach lojalno\u015bciowych?<\/p>\n
To jest bardzo szerokie pytanie i mo\u017cna by tutaj, podejrzewam, wymy\u015bli\u0107 wiele rodzaj\u00f3w implementacji. Przede wszystkim trzeba by usi\u0105\u015b\u0107 i zastanowi\u0107 si\u0119, czy to ma sens. Wydaje mi si\u0119, \u017ce to jest bardziej pytanie nawet biznesowe ni\u017c technologiczne, poniewa\u017c w\u0142a\u015bciciel takiego programu powinien si\u0119 zastanowi\u0107 czy chce wsp\u00f3\u0142pracowa\u0107 z innymi firmami, na jakich zasadach – czy na zasadach partnerskich, czy na takiej zasadzie, \u017ce jest on zarz\u0105dc\u0105 pewnej sieci informatycznej, do kt\u00f3rego do\u0142\u0105czaj\u0105 kolejni kontrahenci. Obie z tych implementacji mo\u017cna wykona\u0107 w sieci BLOCKCHAIN, tylko trzeba zrozumie\u0107 t\u0119 potrzeb\u0119 biznesow\u0105. Na si\u0142\u0119 technologii BLOCKCHAIN nie ma potrzeby umieszcza\u0107 w takich programach. Natomiast z tego co m\u00f3wisz, tych program\u00f3w lojalno\u015bciowych jest wiele, wi\u0119c jest wiele firm, kt\u00f3re maj\u0105 swoje niezale\u017cne punkty i pytanie biznesowe: czy warto by\u0142oby te punkty jako\u015b ze sob\u0105 po\u0142\u0105czy\u0107 lub chocia\u017cby wymienia\u0107 na jakich\u015b zasadach?<\/p>\n
Is this a good time to ask you about how BLOCKCHAIN works, given the differences we can see at first glance when it comes to loyalty schemes? I mean, loyalty schemes operate on the basis of a centralised database. We collect data, manage it, protect it, but we also work with it and use it. And blockchain seems to be the complete opposite when it comes to data collection, because it isn\u2019t a centralised database.<\/p>\n
Jasne. W takim rozumieniu pe\u0142nej sieci BLOCKCHAIN oczywi\u015bcie wszystkie dane s\u0105 wsp\u00f3\u0142dzielone. Natomiast mo\u017cna zrobi\u0107 implementacj\u0119 smart kontraktu, czyli inteligentnego kontraktu, w kt\u00f3rym wewn\u0105trz tego kontraktu b\u0119d\u0105 gromadzone dane i wtedy jest jeden zarz\u0105dca, kt\u00f3ry gromadzi te dane, opiekuje si\u0119 nimi – tak, jak powiedzia\u0142a\u015b. Natomiast na pewnych zasadach dopuszcza u\u017cytkownik\u00f3w, czy ko\u0144cowych odbiorc\u00f3w, czy tak\u017ce partner\u00f3w. Dzi\u0119ki temu tworzy pewne swoje zasady opisane w\u0142a\u015bnie w tym inteligentnym kontrakcie, kt\u00f3re automatycznie si\u0119 uruchamiaj\u0105 i wtedy mo\u017cna prze\u0142o\u017cy\u0107 logik\u0119 biznesow\u0105, kt\u00f3r\u0105 teraz programi\u015bci musz\u0105 zaprogramowa\u0107 w tradycyjny spos\u00f3b na implementacj\u0119 takiego w\u0142a\u015bnie kontraktu, kt\u00f3ry w jasny, czytelny dla wszystkich u\u017cytkownik\u00f3w, a tak\u017ce uczestnik\u00f3w takiego rozwi\u0105zania b\u0119dzie dzia\u0142a\u0107.<\/p>\n
I\u2019ll be asking you a lot about the use of BLOCKCHAIN in loyalty schemes, for obvious reasons, and I wanted to ask whether such a solution might be useful in a world where we could exchange points from different schemes?<\/p>\n
Jasne. To jest bardzo ciekawy koncept, kt\u00f3ry bardzo dobrze wpisuje si\u0119 w technologi\u0119 BLOCKCHAIN. Wspomnia\u0142em ju\u017c o smart kontraktach – inteligentnych kontraktach. Ma\u0142o os\u00f3b zna ten techniczny detal, \u017ce wszystkie tokeny istniej\u0105 w ramach jakiego\u015b smart kontraktu. Czyli tutaj w\u0142a\u015bnie buduj\u0105c to rozwi\u0105zanie na Smart kontrakcie tak, \u017ce mogliby\u015bmy do\u0142o\u017cy\u0107 warstw\u0119 tzw. token\u00f3w, kt\u00f3re by reprezentowa\u0142y punkty. Nawet mo\u017cna zrobi\u0107 komunikacj\u0119 mi\u0119dzy r\u00f3\u017cnymi smart kontraktami, wi\u0119c mo\u017cna sobie wyobrazi\u0107, \u017ce paru w\u0142a\u015bcicieli program\u00f3w lojalno\u015bciowych ma swoje smart kontrakty. Buduj\u0105 swoj\u0105 baz\u0119 danych u\u017cytkownik\u00f3w, tak\u017ce swoje tokeny reprezentuj\u0105ce punkty. Natomiast na pewnych zasadach wcze\u015bniej opisanych mogliby te tokeny mi\u0119dzy sob\u0105 wymienia\u0107 pomi\u0119dzy swoimi programami i zastosowanie tej technologii umo\u017cliwi\u0142oby to w bardzo wierzytelny, czysty i bardzo klarowny spos\u00f3b wykona\u0107.<\/p>\n
Jack, let\u2019s explain the difference between a private and a public blockchain. I\u2019ve already read a bit about it.<\/p>\n
Jasne. W \u015bwiadomo\u015bci ludzi, kt\u00f3rzy znaj\u0105 kryptowaluty wiedz\u0105, \u017ce taki BLOCKCHAIN jest publiczny i maj\u0105 w 100% racj\u0119. Natomiast mo\u017cna odwzorowa\u0107 podobn\u0105 technologi\u0119 na prywatnych serwerach w konfiguracji typowy biznes do biznesu – b2b. Wtedy kilka organizacji \u0142\u0105czy swoje serwery w sieci BLOCHAIN’owej wykorzystuj\u0105c do tego technologi\u0119 analogiczn\u0105 do ethereum.<\/p>\n
And this is where I associate Ethereum with cryptocurrency.<\/p>\n
I bardzo dobrze Ci si\u0119 kojarzy, poniewa\u017c w sieci BLOCKCHAIN’owej ethereum wyst\u0119puje kryptowaluta, ale tak\u017ce to jest \u015bwietna przestrze\u0144, infrastruktura, w kt\u00f3rej mo\u017cna wygrywa\u0107 smart kontrakty. A tak, jak wspomnia\u0142em na pocz\u0105tku, smart kontrakty to s\u0105 aplikacje budowane na pewnym ekosystemie. I natomiast te smart kontrakty nie musz\u0105 koniecznie dotyczy\u0107 kryptowalut. Natomiast smart kontrakty wgrane do BLOCKCHAIN’u publicznego b\u0119d\u0105 op\u0142acane przez ethereum. Czyli w pewnym sensie osoba, kt\u00f3ra wygrywa tam swoj\u0105 aplikacj\u0119 jest uzale\u017cniona od rynku kryptowalut, poniewa\u017c p\u0142aci tak jakby za to miejsce serwerowe. Nie chc\u0119 tego tak por\u00f3wna\u0107 1:1, ale tak, \u017ceby zrozumie\u0107 o co chodzi. W pewnym sensie op\u0142aca kryptowalut\u0105 dzia\u0142anie swojej aplikacji w tej sieci. Natomiast tutaj wspomnia\u0142a\u015b w pytaniu, BLOCKCHAIN prywatny nie musi si\u0119 opiera\u0107 na kryptowalucie, nawet nie powinien. I wtedy mo\u017cemy implementowa\u0107 tylko warto\u015bci biznesowe, kt\u00f3re s\u0105 w tak samo cyfrowy spos\u00f3b kryptograficzny zabezpieczane. Natomiast one nios\u0105 tylko warto\u015bci zwi\u0105zane z danym biznesem. W tym przypadku wykorzystaliby\u015bmy t\u0105 technologi\u0119 do przetwarzania i przechowywania punkt\u00f3w lojalno\u015bciowych. Natomiast dodatkowo mo\u017cna doda\u0107, tak jak wspomina\u0142em wielokrotnie, warstw\u0119 biznesow\u0105, kt\u00f3ra w automatyczny spos\u00f3b, przez inteligentne kontrakty, nadzorowa\u0142aby odpowiedni przep\u0142yw tych token\u00f3w, a tak\u017ce dodawanie ich do systemu, czy usuwanie oraz wymiana na nagrody. Poniewa\u017c mo\u017cna wprowadzi\u0107 dodatkowy typ token\u00f3w, kt\u00f3re reprezentuj\u0105 nagrod\u0119 wydan\u0105 do uczestnik\u00f3w i wtedy zachowujemy pe\u0142n\u0105 histori\u0119, z kt\u00f3rych punkt\u00f3w, z jakiego miejsca przesz\u0142y na kt\u00f3re nagrody. Dzi\u0119ki temu, mi si\u0119 wydaje, daje te\u017c to ca\u0142kiem niez\u0142\u0105 analityk\u0119 w jaki spos\u00f3b u\u017cytkownicy wykorzystuj\u0105 te tokeny, te punkty lojalno\u015bciowe i po jakim czasie. Ci\u0105gle jeste\u015bmy przy temacie BLOCKCHAIN’u prywatnego i publicznego. Publicznego jak ethereum, cordano, stellar. Natomiast prywatnego gdzie s\u0105 gracze, partnerzy, kt\u00f3rzy uzgodnili sobie biznesowe zale\u017cno\u015bci mi\u0119dzy sob\u0105 i chc\u0105 to odwzorowa\u0107 w sieci BLOCKCHAIN’owej, prywatnej. Warto doda\u0107, \u017ce w takiej prywatnej sieci BLOCKCHAIN’owej te\u017c mo\u017cna stworzy\u0107 kryptowalut\u0119, kt\u00f3ra b\u0119dzie np. reprezentowa\u0107 punkty lojalno\u015bciowe. I wtedy swobodnie wymienia\u0107 te punkty mi\u0119dzy partnerami.<\/p>\n
Exactly, because BLOCKCHAIN, at least for me, is very much associated with cryptocurrency. And now this question has popped into my head. Could we create a central currency that would be able to link various programmes from different partners, and which would act as the equivalent of those points?<\/p>\n
That\u2019s a great question, and it\u2019s worth looking into if we\u2019re talking about a global currency in the sense of what current cryptocurrencies represent, because even people who buy and trade these cryptocurrencies don\u2019t think about the fact that each cryptocurrency has its own additional purpose. Whether these are tokens linked to attention \u2013 meaning that someone is watching adverts \u2013 or tokens that can be used for a specific purpose in the future. They also have a monetary value, which is all anyone ever talks about. In this case, however, it would be possible to create a cryptocurrency that would have some intrinsic value. So if someone didn\u2019t want to exchange it for a reward, they could potentially cash it in at a set exchange rate. In that case, such a global cryptocurrency linked to loyalty points could be exchanged by everyone without any restrictions.<\/p>\n
So what advice would you give to someone who approaches your company wanting to implement BLOCKCHAIN, given that your company specialises in organising loyalty schemes? How should they prepare? How would you assess whether blockchain is a suitable solution for loyalty programmes? What steps would such a client need to take?<\/p>\n
As I mentioned, we actually ask each of our new clients about their business needs. Why they want to create a particular solution in the first place. And at this stage, we very quickly get to the question of whether there will be collaboration with other companies, or whether this application or software is intended solely for that one company. If it appears that collaboration with other companies would be possible, I would start by suggesting that our client first look for business partners with whom this can actually be implemented. This is because there are a great many projects and ideas that are developed on a \u2018proof of concept\u2019 basis, simply to demonstrate that something can be done. However, afterwards there is a lack of business partners to actually put the technology to use. Even the best technology, without business partners, simply won\u2019t deliver the desired results. It will simply remain a dead technology. That is why I would recommend building a broader coalition of companies interested in creating such a shared network; once that is in place, I would suggest organising workshops with a larger group, where everyone wishing to participate could share their vision of how such a solution might look in the future. What business functions would need to be fulfilled? Only then could we develop a concept, on the basis of which we would select a specific technology.<\/p>\n
Let\u2019s focus on security for a moment. Because we\u2019re talking about loyalty programmes, we\u2019re talking about BLOCKCHAIN, and loyalty programmes are, first and foremost, about user data. And, of course, when we talk about user data, we have regulations such as the GDPR to consider. And now you mention that blockchain is a viable option for organising loyalty programmes. It may be a new, innovative solution, but we\u2019d need to find contractors and partners who\u2019d be willing to implement this solution with us and operate in accordance with it. So my question is: how can we ensure the security of this data at this stage, and how can we protect ourselves against potential situations that are not entirely within our control? Apart from CCTV, to mention this again, we\u2019ve discussed, for example, a fire at a huge server room where data was stored. BLOCKCHAIN is not a centralised database, so we don\u2019t need to worry about that here, but perhaps there are some risks, or perhaps we can protect ourselves in some way.<\/p>\n
Wspominasz tutaj bardzo wa\u017cne dwa tematy troch\u0119 od siebie niezale\u017cne, ale mo\u017cna je po\u0142\u0105czy\u0107. Jeden temat to jest bezpiecze\u0144stwo danych w przypadku utraty serwerowni. Wtedy przy rozproszonym rejestrze danych jakim jest BLOCKCHAIN takie ryzyko jest du\u017co mniejsze. Natomiast drugi temat jest bardziej zwi\u0105zany z prawem, i z RODO, i z zachowaniem mo\u017cliwo\u015bci dla u\u017cytkownik\u00f3w takiej technologii wypisania si\u0119 z niej wraz z pe\u0142n\u0105 histori\u0105. Tak, jak wspomnia\u0142em w BLOCKCHAIN’ie wszystko jest zapisane od samego pocz\u0105tku w rejestrze i tych danych w bezpo\u015bredni spos\u00f3b nie mo\u017cna skasowa\u0107. Natomiast jest bardzo du\u017co rozwi\u0105za\u0144, kt\u00f3re umo\u017cliwiaj\u0105 nam w bezpieczny spos\u00f3b przechowywanie tych danych. Nie wchodz\u0105c za bardzo mo\u017ce w technologiczne niuanse – dane osobowe s\u0105 trzymane niezale\u017cnie na tradycyjnych bazach danych, natomiast w odpowiedni, kryptograficzny spos\u00f3b jest zapisywany klucz, kt\u00f3ry identyfikuje potem te dane i tylko ten klucz umieszczamy w BLOCKCHAIN’ie razem z pewn\u0105 histori\u0105 wymiany punkt\u00f3w. I w momencie kiedy dana osoba chce swoje dane prywatne usun\u0105\u0107 z tej historii, kasujemy te dane prywatne w klasycznej bazie danych, a w naszej historii pozostaje tylko nic nie znacz\u0105cy token, kt\u00f3rego nie mo\u017cemy powi\u0105za\u0107 z konkretn\u0105 osob\u0105. Wi\u0119c taka implementacja jest mo\u017cliwa, zgodna z RODO, a przy okazji tak jak wspomnia\u0142a\u015b – bezpieczna w przypadku po\u017caru jednej serwerowni, poniewa\u017c dane s\u0105 rozproszone.<\/p>\n
I\u2019m just really glad you mentioned that you\u2019ve been watching previous episodes on our channel. And one of those episodes was an interview with Tomek Witt, who\u2019s an expert in mobile apps, including loyalty programmes. I cheekily asked him about BLOCKCHAIN in mobile apps, and he didn\u2019t exactly have a positive view of the future of mobile apps in relation to BLOCKCHAIN technology. Perhaps you have a different opinion?<\/p>\n
Ogl\u0105da\u0142em ten odcinek i z Tomkiem si\u0119 zgadzam w tej kwestii – jak on powiedzia\u0142, \u017ce de facto aplikacj\u0119 mobiln\u0105 bezpo\u015brednio z BLOCKCHAIN’em – ci\u0119\u017cko j\u0105 powi\u0105za\u0107. Poniewa\u017c BLOCKCHAIN to jest sie\u0107 komputer\u00f3w, kt\u00f3re s\u0105 ci\u0105gle pod\u0142\u0105czone do internetu i wymieniaj\u0105 si\u0119 informacjami potwierdzaj\u0105c kryptograficznie przep\u0142yw danych. Natomiast jednak do takiej sieci BLOCKCHAIN dostajemy si\u0119 na r\u00f3\u017cne sposoby. Mi\u0119dzy innymi mo\u017cna zbootowa\u0107 zabezpieczone API, kt\u00f3re b\u0119dzie mog\u0142o odczytywa\u0107 i zapisywa\u0107 te dane. I wtedy jak najbardziej aplikacj\u0119 mobiln\u0105 mo\u017cna skomunikowa\u0107 przez API z sieci\u0105 BLOCKCHAIN i w bezpieczny spos\u00f3b odczytywa\u0107, a tak\u017ce zapisywa\u0107 do sieci BLOCKCHAIN dane. Tak\u017ce da si\u0119 to po\u0142\u0105czy\u0107, ale nie w takim kontek\u015bcie przeniesienia cz\u0119\u015bci BLOCKCHAIN’u na aplikacj\u0119 mobiln\u0105, poniewa\u017c nie by\u0142oby to mo\u017cliwe.<\/p>\n
Jack, I\u2019ve asked you many times whether blockchain can be used in loyalty schemes. But if we were to step away for a moment from organising loyalty schemes or lotteries and talk about some of the challenges you face in your work, or the most interesting implementations. Obviously without giving away any secrets, but I was wondering if you could tell us about a situation where a client comes to you and asks you to implement this solution. And it\u2019s such a difficult task for you, which later turns out to be a success.<\/p>\n
Wdro\u017ce\u0144 by\u0142o du\u017co. Na razie s\u0105 to raczej wdro\u017cenia pilota\u017cowe, chocia\u017c dzia\u0142aj\u0105 produkcyjnie z my\u015bl\u0105 o tym, \u017ceby potem te dane, t\u0105 sie\u0107 mo\u017cna by\u0142o zintegrowa\u0107 z firmami trzecimi, czy nawet w przysz\u0142o\u015bci z pewnymi rz\u0105dowymi kom\u00f3rkami, kt\u00f3re s\u0105 odpowiedzialne za pewne sfery. Tutaj mog\u0119 przywo\u0142a\u0107 tak\u0105 implementacj\u0119 projektu, kt\u00f3ry rejestruje nara\u017cenia na substancje toksyczne. Zgodnie z polskim prawem, je\u017celi w fabryce osoba jest nara\u017cona na kontakt z substancjami toksycznymi te dane musz\u0105 by\u0107 trzymane przez kilkadziesi\u0105t lat. Je\u017celi je trzymamy na dokumentacji papierowej, tak jak wspomnia\u0142a\u015b o po\u017carze – wszystko mo\u017ce sp\u0142on\u0105\u0107. Je\u017celi trzymamy je w jakiej\u015b bazie danych, czy w jednej serwerowni, te\u017c z t\u0105 serwerowni\u0105 co\u015b si\u0119 mo\u017ce sta\u0107. Natomiast wykorzystanie BLOCKCHAIN’u raz, \u017ce rozproszy te dane, \u017ce one, je\u017celi tu oczywi\u015bcie by\u0142a wykorzystana sie\u0107 prywatna, gdzie tylko upowa\u017cnione osoby mia\u0142y dost\u0119p do tych danych, do rejestru, a tak\u017ce do wyci\u0105gania r\u00f3\u017cnych raport\u00f3w, kt\u00f3re s\u0105 konieczne. Natomiast wizja, kt\u00f3ra przy\u015bwieca\u0142a temu pomys\u0142owi by\u0142a taka, \u017ce w przysz\u0142o\u015bci odpowiedzialna kom\u00f3rka organizacyjna, rz\u0105dowa mia\u0142aby bezpo\u015bredni dost\u0119p do wgl\u0105du do tych danych, \u017ceby wyci\u0105gn\u0105\u0107 pewne statystyki anonimowo odno\u015bnie tego, na jakie substancje toksyczne pracownicy byli nara\u017ceni, poniewa\u017c jest to \u015bci\u015ble regulowane prawem.<\/p>\n
Right then, before I ask you about the future of BLOCKCHAIN \u2013 because I\u2019m really curious to know how you see it in 5, 10 or 20 years\u2019 time. In loyalty programmes too, but not only there. Generally speaking, the future of this technology. I\u2019d like us to step away from loyalty programmes for a moment, because unfortunately \u2013 and I say \u2018unfortunately\u2019 for experts like you \u2013 blockchain will continue to be associated with cryptocurrencies for a long time to come, strictly with cryptocurrencies. So perhaps we could explain how this ties in \u2013 how blockchain is used in cryptocurrencies.<\/p>\n
Tak, dok\u0142adnie tak, jak rozmawiali\u015bmy BLOCKCHAIN bardzo kojarzy si\u0119 z kryptowalutami. I stety lub niestety prawid\u0142owo, poniewa\u017c wi\u0119kszo\u015b\u0107 projekt\u00f3w, wi\u0119kszo\u015b\u0107 programist\u00f3w, kt\u00f3rzy pracuj\u0105 w tej bran\u017cy – buduj\u0105, programuj\u0105 lub kryptowaluty lub gie\u0142dy do wymiany tych kryptowalut. Tam jest najwi\u0119kszy ruch je\u017celi chodzi o powstawanie nowych projekt\u00f3w. Natomiast jak ja to widz\u0119 w kontek\u015bcie 5, czy 10 lat… Wydaje mi si\u0119, \u017ce taki boom na same kryptowaluty w odniesieniu do BLOCKCHAIN troch\u0119 b\u0119dzie s\u0142abn\u0105\u0107 i gdzie\u015b to si\u0119 powinno ustabilizowa\u0107. Natomiast na \u015bwiat\u0142o dzienne b\u0119d\u0105 wychodzi\u0107 projekty, kt\u00f3re s\u0105 zwi\u0105zane z BLOCKCHAIN’em, a nie s\u0105 w og\u00f3le powi\u0105zane z kryptowalutami. Ju\u017c by\u0142y pierwsze wybory w jednym z kraj\u00f3w afryka\u0144skich, kt\u00f3re by\u0142y oparte o technologi\u0119 BLOCKCHAIN. Mo\u017cliwe, \u017ce to si\u0119 spropaguje na jaki\u015b kraj europejski i wtedy na pewno by\u0142aby dobra prasa na temat tej technologii, poniewa\u017c obecnie pyta\u0142a\u015b w\u0142a\u015bnie o kryptowaluty i o ca\u0142\u0105 t\u0105 otoczk\u0119. Niestety jest troch\u0119 z\u0142ej prasy, ale prawid\u0142owo, poniewa\u017c by\u0142o du\u017co nadu\u017cy\u0107. Czy je\u017celi chodzi o ICO, to te\u017c jest oddzielny temat, ju\u017c tu nie b\u0119d\u0119 wchodzi\u0107 w szczeg\u00f3\u0142y. No, ale to by\u0142o typowe wyci\u0105ganie pieni\u0119dzy na jak\u0105\u015b ide\u0119, kt\u00f3ra mia\u0142a zaistnie\u0107. Wspomnia\u0142em o proof of concept, \u017ce jest wykorzystane ta technologia, \u017ceby zrobi\u0107 copier, ale potem nikt z tego nie korzysta. Tak samo w ICO nawet te projekty cz\u0119sto nie powstawa\u0142y, natomiast pieni\u0105dze si\u0119 rozp\u0142ywa\u0142y, dlatego by\u0142o du\u017co z\u0142ej prasy i ludzie sobie skojarzyli, \u017ce ok, czyli ten rynek kryptowalut og\u00f3lnie jest niebezpieczny, mo\u017ce by\u0107 niebezpieczny. Potencjalnie mo\u017ce si\u0119 kojarzy\u0107 z utrat\u0105 pieni\u0119dzy. Wi\u0119c technologia BLOCKCHAIN mo\u017ce potencjalnie prowadzi\u0107 do tego samego. Natomiast ja to widz\u0119, \u017ce z czasem w\u0142a\u015bnie gdzie\u015b to si\u0119 wyr\u00f3wna. Na pewno kryptowaluty pozostan\u0105, natomiast te projekty, kt\u00f3re najbardziej mnie interesuj\u0105, czyli typowe projekty biznesowe, kt\u00f3re nios\u0105 za sob\u0105 warto\u015b\u0107 dla klient\u00f3w biznesu, a tak\u017ce dla odbiorc\u00f3w ich technologii b\u0119d\u0105 w\u0142a\u015bnie mocniej promowane.<\/p>\n
But before we reach the end of the episode, I\u2019d like to ask you a bit more about that interesting fact you mentioned. Elections using blockchain technology?<\/p>\n
Yes, of course. It is possible; it has already been done in one of the African countries. It is possible that it will also be introduced on a wider scale in the future. Thanks to this technology, and the cryptography used, we can be certain that this data has not been manipulated or altered in any way. As a result, no one should subsequently have any grounds for disputing these results.<\/p>\n
Once again, this is taken from your last reply, but I couldn\u2019t have done otherwise. We won\u2019t go into the details, but perhaps we could expand on the concept of an ICO.<\/p>\n
Right. This is an Initial Coin Offering, which is the sale of a cryptocurrency that doesn\u2019t yet exist. It\u2019s a kind of fundraising for a project \u2013 a promise of a project that will come into being. And people exchange money for initial tokens \u2013 you could say, the whole idea. However, this should be followed by the implementation of the entire project, with all its features. And then, after a certain amount of time, such a cryptocurrency would be listed on a cryptocurrency exchange, and those who invested at the start would, of course, stand to gain a great deal from it. However, this model has been heavily abused, and some people have raised money for tokens that were completely worthless. Yet they failed to complete the project and simply vanished.<\/p>\n
It\u2019s the year 2031. What uses do you see for BLOCKCHAIN?<\/p>\n
Wydaje mi si\u0119, \u017ce ju\u017c to jest odpowiedni czas, kiedy ta technologia zosta\u0142a u\u017cyta do pierwszego eVoting’u w Polsce lub w innym kraju Unii Europejskiej. Tak\u017ce wi\u0119kszo\u015b\u0107 komunikacji, je\u017celi chodzi o dokumenty prawne lub formalne tak\u017ce zosta\u0142a przeniesiona na t\u0105 technologi\u0119. Dzi\u0119ki temu nie musimy drukowa\u0107 ani chodzi\u0107 do urz\u0119d\u00f3w po kopie, po wypisy, poniewa\u017c te rzeczy s\u0105 dost\u0119pne ju\u017c dla os\u00f3b upowa\u017cnionych do tych swoich danych w wersji elektronicznej.<\/p>\n
And can we agree that if a few loyalty scheme operators decide to adopt blockchain technology, then in 10, 15 or 20 years\u2019 time we\u2019ll easily find ways to apply this technology to loyalty schemes and lotteries?<\/p>\n
Absolutely. That\u2019s what I think, and it will also be possible to integrate it with mobile apps via the relevant APIs.<\/p>\n
Thank you very much for our conversation today.<\/p>\n
Thank you very much. Good night.<\/p>\n
Where on earth did this BLOCKCHAIN come from?<\/p>\n
BLOCKCHAIN really took off here in 2017, because we were looking for new clients in the US and realised that, at that time, blockchain technology \u2013 and not just cryptocurrencies, but the potential for its use in business applications \u2013 was already well known, at least in Manhattan. There was a lot going on in this field. That\u2019s why we flew to New York several times, where at first we attended various lectures ourselves, and after a while we began presenting the potential of blockchain technology ourselves. Thanks to this, we initiated several partnerships with clients from the US.<\/p>\n
But does that mean your company used to do something else?<\/p>\n
Our company has always done the same thing: we develop bespoke business software. However, whenever a new technology emerges, we always look into whether it can be adapted for our clients. At that time, we realised that this technology could be very useful. In particular \u2013 as we\u2019ve discussed at length \u2013 in building a platform involving several business partners. That\u2019s why we wanted to include this technology in our range of services. That is why, at that time, we began to engage very heavily with this technology, learning how to utilise it commercially.<\/p>\n
Right then, I reckon I\u2019ve got everything out of you for today.<\/p>\n
Thanks.<\/p>\n
Thanks.<\/p>","protected":false},"excerpt":{"rendered":"
BLOCKCHAIN to poj\u0119cie, kt\u00f3re kojarzy si\u0119 inwestorom zwykle z rynkiem kryptowalut. Ale ju\u017c nied\u0142ugo mo\u017ce by\u0107 wykorzystywane r\u00f3wnie\u017c w programach lojalno\u015bciowych. I dzisiaj o tym rozwi\u0105zaniu porozmawiam z Ekspertem od Technologii BLOCKCHAIN Jackiem Malinowskim. Zapraszam. Katarzyna Nawrocka „O programach lojalno\u015bciowych noc\u0105”. Dobry wiecz\u00f3r Jacku. Ja Ci\u0119 ju\u017c troch\u0119 przedstawi\u0142am i my si\u0119 ju\u017c znamy, ale…<\/p>","protected":false},"author":2,"featured_media":2869,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[67],"tags":[],"class_list":["post-2868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-o-programach-lojalnosciowych-noca"],"taxonomy_info":{"category":[{"value":67,"label":"O programach lojalno\u015bciowych noc\u0105"}]},"featured_image_src_large":["https:\/\/i360.com.pl\/wp-content\/uploads\/2021\/09\/29-blockchain-okladka-1024x576.jpg",1024,576,true],"author_info":{"display_name":"Tomasz Makaruk","author_link":"https:\/\/i360.com.pl\/en\/author\/autor\/"},"comment_info":0,"category_info":[{"term_id":67,"name":"O programach lojalno\u015bciowych noc\u0105","slug":"o-programach-lojalnosciowych-noca","term_group":0,"term_taxonomy_id":67,"taxonomy":"category","description":"","parent":0,"count":26,"filter":"raw","term_order":"0","cat_ID":67,"category_count":26,"category_description":"","cat_name":"O programach lojalno\u015bciowych noc\u0105","category_nicename":"o-programach-lojalnosciowych-noca","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/posts\/2868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/comments?post=2868"}],"version-history":[{"count":0,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/posts\/2868\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/media\/2869"}],"wp:attachment":[{"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/media?parent=2868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/categories?post=2868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/i360.com.pl\/en\/wp-json\/wp\/v2\/tags?post=2868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}