'DeFi - Definancializing Productive Activity' by kameir defi web30
As software and hardware engineers around the world are untangling the centralization of the internet, a vocal portion within the enclave of blockchain-based solutions - generally referred to as decentralized finance - or DeFi for short - has emerged.
by the Stern School of Business and others has shown, the unit cost of financial intermediation thus far has not decreased, despite advances in information technology.As with government services, financial services are plagued with administrative and regulatory burdens mostly dating back to pre-digital eras.
Banks most often enter into commercial agreements with the parties that extend their position of mere custodians of the assets of third parties. To date, the principal technology for recording these agreements is database solutions, which in some cases are still using mainframe architecture writing in Cobol, a programming language not taught to software engineers for decades.
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