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La fin des Banques
Théo le Besnerais
17/06/2015
Présentation: La fin des Banques, mon analyse
L’histoire
• 40 ans de crises : 425 entre 1970 et 2010
• 145 bancaires
• 208 kracks monétaires
• 72 crises de dette souveraine (73è = Grèce)
La définition
• Qu’est ce que la monnaie?
• Définition classique :
• Unité de mesure
• Instrument d’échange
• Instrument d’épargne
• Ce sont les trois fonctions de la monnaie, mais quelle est sa
nature !
La citation
• La définition de Bernard Lietaer :
• “ C’est un accord dans une communauté
d’utiliser un objet standardisé comme
instrument d’échange.”
L’autre citation
• “Donnez-moi le contrôle de la monnaie d’une
nation, et je n’aurai pas à me soucier de ceux
qui font ses lois.”
Mayer Amschel Rothschild
L’existant
Un espoir
Professions économistes
• Marxiste
• Keynésien
• Economistes FN
• Economiste du Digital = Aujourd’hui
• Economiste transhumanistes = Demain ?
L’existant
• Le capitalisme est immoral :
• Car il nie les effets externes
• Crée de l’inégalité sociale
• Cause de l’instabilité
• Et détruit notre biosphère
Le progrès
• Explosion des capacités informatiques
• Puissance des serveurs informatiques
• Multipliée par 1 milliard en 31 ans
• Ray Kurzweil, l’ingénieur en chef de Google
• “Une I.A dotée d’une conscience est 1 milliard
de fois plus puissante que la réunion de tous
les cerveaux humains devrait écraser
l’intelligence humaine dès 2045.”
Le progrès
• L’I.A. facilitera la dispartion de l’argent
• Société sera une socièté sans travail
• Cela privera la monnaie officielle de sa fonction
• Le système méritocratique partira en fumée
• Comment organiser la répartition des capitaux
si le mérite est impossible ?
Un sage
•“La difficulté n’est pas de
comprendre les idées nouvelles,
mais d’échapper aux idées
anciennes.”
•J.M Keynes
Dans les couloirs de
Washington
César au dessus de l’arène
Dans nos poches
Bataille des fidèles, guerre des “Like” or “Dislike”
Google Wallet
Google Wallet
NFC : Near Field Communication
Apple Pay
Apple Pay
“Appisation” générale
Apple Pay
Amazon Coins
Nouvelle offre
• Une offre dématérialisée de monnaies privées
• Guerre des monnaies
• Monnaies officielles vs “monnaies privées”
• Une offre très ouverte et très concurrentielle
Nouvelle offre
• L’ère du digital
• Ramène la monnaie dans la sphère marchande
• Marché de la monnaie = marché ordinaire
• Si BCE pas assez prudente
• Demande de liquidités s’orientera vers les
nouveaux supports digitals offerts par le marché
Marché en croissance
Orange Money
Le plus ancien
Nouveau paradigme
“Nouvelle gouvernance”
Le passé
Le présent
Encore invisible!
Bitcoin
• Août 2013, en Allemagne :
• Bitcoin reconnu comme une “monnaie privée”
• Argent cryptique…
• Quid de son statut juridique ?
Bitcoin
• Puissance des ordinateurs (serveurs dédiés)
• Chiffre maximal de 21 millions d’unités
• Dans environ 40 ans
Bitcoin
Un bitcoin par régions
Crowding out = effet d’éviction
Bitcoin
• Algorithme informatique
• S’appuie sur la confiance de la communauté
• Freicoin : taux d’intérêt négatif
• Aujourd’hui 11 millions de Bitcoin en circulation
• Montée des Bitcoins à 266 dollars pendant la
crise de l’euro et la crise à Chypre
Un nouveau centre
Un nouveau centre
Bitcoin
•Carburant d’une économie maffieuse
•Se soustrait à la solidarité fiscale ?
•17 millions transactions de (Bitcoin / an)
•6 milliards viremments de (Banque / an)
•Transactions Bitcoins : microscopique
Un requin-baleine
Entrepreneurs…
Anciens territoires
Nouvelle région
À choisir
Au cinéma actuellement
Serveurs essentiels
de l’humanité connectée
Faille, Bug, Panne

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La fin des Banques