My notes from Decentralized Economic Systems and Monetary Evolution

Cory Doctorow 8:29 am Tue Oct 28, 2003

Here are my running notes from the "Decentralized Economic Systems and Monetary Evolution" panel at the Future of Money conference.

Mobile phone companies have become billing systems. Payment
infrastructure is being integrated into software that you d/l to
your computer.

The info is more portable: your credit-record is more accessible,
it can be used to quickly get a credit-line, found a reputation
system, etc. As this is integrated into IT systems, we'll get a
wealth of apps, build on a centralized server.

How do you make the convenience sufficient to drive new market
apps? PayPal was successful by enabling new merchants — lower
barrier to entry than getting a Mastercard acct. It's a P2P
system in that it allows individuals to accept payments. We have
a lot of IP in the antifraud systems that make that happens. The
centralized system allows for the antifraud systems, which allows
for the very fast creation of merchant accts.

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