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1、CEDEFI FOR BANKSMAKING SENSE OF A DECENTRALIZED WORLD CeDeFi for Banks FOREWORDCapgemini is pleased to present this report which offers a taxonomic reference model to familiarize banks with the definition of decentralized finance(DeFi).It aims to help centralized organizations adopt a pragmatic pers

2、pective to overcome what may be their instinctive reaction to consider decentralization as something scary and necessary to avoid.Developed by Aite-Novarica Group,research findings also suggest initial steps a financial institution(FI)can take to preserve its centralized strategy and yet leverage th

3、e features and capabilities achievable with DeFi.A series of use cases help validate that a centralized bank can decentralize some of its functions and deliver elements of its portfolio more effectively without necessarily losing control,thus creating a new category centralized/decentralized finance

4、(CeDeFi).As described within the report:Payments,Central bank digital currencies(CBDCs),Digital assets and tokens,Decentralized finance,Nonfungible tokens(NFTs)/Metaverse,and Web 3.0 are the elements of a robust DeFi taxonomy.Financial market infrastructure,Custody,Cross-border payments and Interope

5、rability are a few examples of core portfolio capabilities that a bank can transform through CeDeFi.We hope these insights will help guide you in your digital transformation journey.Sudhir PaiChief Technology and Innovation OfficerCapgemini Financial ServicesNilesh VaidyaGlobal Head of Banking and C

6、apital MarketsCapgemini Financial Services2INTRODUCTIONWithin a decentralized world,transactions are conducted peer to peer and intermediaries are replaced by smart contracts based on distributed ledger technology(DLT).1 The decentralized construct is ideal for those who understand the potential of