A New Credit Data Evaluation Scheme Based on Blockchain and Smart Contract

Author(s):  
Yu Wang ◽  
Zheqing Tang ◽  
Peng Hong ◽  
Tianshi Wei ◽  
Shiyu Wang ◽  
...  
2012 ◽  
Vol 224 (03) ◽  
Author(s):  
A Torge ◽  
M Zimmermann ◽  
A Möricke ◽  
R Köhler ◽  
A Schrauder ◽  
...  

2019 ◽  
Vol 5 (1) ◽  
pp. 15-22
Author(s):  
Ardian Thresnantia Atmaja

The key objectives of this paper is to propose a design implementation of blockchain based on smart contract which have potential to change international mobile roaming business model by eliminating third-party data clearing house (DCH). The analysis method used comparative analysis between current situation and target architecture of international mobile roaming business that commonly used by TOGAF Architecture Development Method. The purposed design of implementation has validated the business value by using Total Cost of Ownership (TCO) calculation. This paper applies the TOGAF approach in order to address architecture gap to evaluate by the enhancement capability that required from these three fundamental aspect which are Business, Technology and Information. With the blockchain smart contract solution able to eliminate the intermediaries Data Clearing House system, which impacted to the business model of international mobile roaming with no more intermediaries fee for call data record (CDR) processing and open up for online billing and settlement among parties. In conclusion the business value of blockchain implementation in the international mobile roaming has been measured using TCO comparison between current situation and target architecture that impacted cost reduction of operational platform is 19%. With this information and understanding the blockchain technology has significant benefit in the international mobile roaming business.


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