Jason EkbergGlobal digital assets lead to Oliver WymanExplore how the crypto transforms financial services and what is necessary for Tradfi to adopt the innovation of the blockchain.
In 2025, payment payments plunged profoundly in web3 payments to help companies and consumers take advantage of options with confidence such as stablescoins, tokens and CBDC for faster and more effective transactions at the national and global level.
Continuing our series of video interview on payments based on blockchain, we had an exciting discussion about filling the gap between Tradfi and Defi. This idea was triggered by the insightful play by Jason Ekberg, Will Crypto will cross the chasm?
But what exactly refers to Tradfi and Defi? Jason explains that Tradfi (traditional finance) includes banks, third -party payments and institutions operating in a financial -based financial system. On the other hand, DEFI (decentralized finance) includes native blockchain entities such as Uniswap, Circle, Tether and Coinbase – companies that work in a decentralized environment based on blockchain.
These two financial worlds are now converging in payments, supported by regulatory developments and political support. Jason sees important opportunities for blockchain in financial services, especially in banking services (retail and in particular wholesale payments). It highlights four key dimensions where cryptographic technologies help fill the gap:
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Crypto as a asset class – The crypto emerges as a category of legitimate investment.
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Blockchain for payments – Offer 24/7 transactions, fast, secure and profitable without intermediaries.
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Tokenization – Allow a digital representation of assets such as funds, bonds and basic products, improving liquidity, transparency and accessibility.
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Blockchain native customers – Companies with blockchain -centered commercial models (for example, Coinbase, Riot Blockchain, Consensys) evolve towards a viable customer segment for traditional financial services.
Jason thinks that Crypto is about to move from early adoption to general acceptance, motivated by strong support from the new American. administration. Speaking of regulations, we have also discussed the mica and the development of a stablecoin based on Euro.
We have wrapped in key trends in cryptography to look at in 2025. Although the crypto cannot yet dominate detail payments, there is an increasing segment of users wishing to pay with digital assets. The expansion of acceptance and construction of the cryptographic payment infrastructure will be crucial themes in the future.
For the full discussion, be sure to look at the interview-let us know your thoughts and your ideas!
https://www.youtube.com/watch?v=hfz0qm8o_zu
About Jason Ekberg
Jason is a partner in the practice of corporate and institutional banks (CIB) at Oliver Wyman. Within the CIB, he focuses on the senior management advisor, investors and regulators on a range of subjects covering the commercial strategy, processing subjects and digital innovation.
With more than 20 years of experience, Jason has worked on projects in all the main financial centers in the world and 30 distinct countries with specific Asia expertise in Greater China and Southeast Asia (SEA). He managed several ecosystem platform buildings in the sector throughout the region while working hand in hand with his customers to activate and transform their business.
About Oliver Wyman
Oliver Wyman is a world leader in management consulting. With offices in more than 70 cities in 30 countries, Oliver Wyman combines in -depth knowledge of the industry with expertise specializing in strategy, operations, risk management and the processing of the organization. The company has 7,000 professionals worldwide working with customers to optimize their business, improve their operations and risk of risk and accelerate their organizational performance to seize the most attractive opportunities. Oliver Wyman is a company in Marsh McLennan (NYSE: MMC).
