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　　●由于区块链而导致的业务流程中最明显的变化可能会在2020年的保险行业中出现。保险中的区块链技术描述了该技术如何影响核心保险实践，如定价和承保、索赔、托收和后台工作。

　　●According to a Price Water Cooper （PWC） report， 77 percent of financial institutions are likely to integrate blockchain with their “in-production system or process by 2020.”

　　●据普华永道（PWC）的一份报告，到2020年，77%的金融机构可能会将区块链与它们的“生产系统或流程”相结合。

　　●With the global social-media population at 2.77 billion in 2019，the emergence of blockchain in social media in 2020 will provide solutions for problems related to privacy violations，data control，and content.

　　●2019年随着全球社交媒体人口达到27.7亿，区块链在2020年的出现将为侵犯隐私、数据控制和内容相关的问题提供解决方案。

　　●With blockchain exposed to other emerging IT technologies such as AI and IoT，it will be interesting to see how the blockchain experts tackle interoperability issues in 2020.

　　●目前区块链和人工智能、物联网等其他新兴IT技术共存，2020年，区块链专家如何处理互操作性问题值得期待。

　　Blockchain’s Occam Problem

　　区块链的奥卡姆（OCCAM）问题

　　A year ago，Blockchain’s Occam Problem commented that after nine long years of huge investments，research efforts，and brainstorming，the blockchain technologists，finance industry，and the regulators are yet to present that “game-changing” solution for the financial businesses that they initially claimed.

　　一年前，区块链奥卡姆（OCCAM）问题指出，经过长达9年的巨额投资、研究努力和头脑风暴，区块链技术专家、金融行业和监管机构还没有为他们最初宣称的金融业务提出“改变游戏规则”的解决方案。

　　The above article provides a summary of the top funds provided for blockchain R &D，which includes VC funding of $1 billion for blockchain startups in 2017， IBM’s investment of over $200 million in a blockchain-powered IoT solution，and the financial industry’s annual expenditure of about 1.7 billion. McKinsey’s recent study of financial services leads the market watcher to believe that in spite of these billion-dollar investments，“hardly any use cases made technological， commercial， and strategic sense or could be delivered at scale.”

　　上面的文章总结了区块链研发的顶级资金，其中包括2017年区块链初创公司获得的10亿美元风投，IBM在区块链物联网解决方案上的投资超过2亿美元，以及金融业每年约17亿美元的支出。麦肯锡最近对金融服务的研究让市场观察人士相信，尽管这些投资价值数十亿美元，但“几乎没有任何技术、商业和战略意义上的用例，也无法大规模交付。”

　　So what is the current global perception of blockchain as a revolutionary technology？Major businesses have scaled down their investments and research efforts and are approaching blockchain R&D with a more targeted focus. Tens of use cases have been narrowed down to one or two—with more focus on compliance，data standards，and network adoption.

　　那么，目前全球对区块链作为一项革命性技术的看法是什么呢？各大企业已缩减了投资和研究力度，并正以更有针对性的重点进行区块链的研发。数十个用例已经缩小到一个或两个——更多地关注于遵从性、数据标准和网络采用。

　　The theory that suggested blockchain would revolutionize major business processes across industry niches from “banking and insurance to shipping and healthcare，”is lagging behind on the application side. Proof-of-concepts are not yet visible，so much so that industry leaders and blockchain vendors alike have diluted their expectations，and are now ready for a more pragmatic market-view. The vendors have to be more honest about the challenges and limitations of this wonder-technology and suitably re-adjust their commercial strategy.

　　该理论认为区块链将彻底改变从“银行和保险到运输和医疗保健”等整个行业壁垒的主要业务流程，但在应用程序方面却落后。概念证明尚不可见，以至于行业领导者和区块链服务商都淡化了他们的期望，现在他们已经准备好接受更加务实的市场观点。服务商必须更诚实地面对这项神奇技术的挑战和局限性，并适当地重新调整他们的商业策略。

　　Hopes for Blockchain in 2020

　　2020区块链希望