{"id":7817,"date":"2024-10-10T20:35:18","date_gmt":"2024-10-10T18:35:18","guid":{"rendered":"https:\/\/vapa.ch\/?p=7817"},"modified":"2026-08-23T09:02:44","modified_gmt":"2026-08-23T07:02:44","slug":"digital-transparency-or-privacy-whats-your-choice%f0%9f%92%b0%f0%9f%94%90","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/digitale-transparenz-oder-datenschutz-wofur-entscheidest-du-dich\/","title":{"rendered":"Digitale Transparenz oder Privatsph\u00e4re: Wie entscheiden Sie sich? \ud83d\udcb0\ud83d\udd10"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7817\" class=\"elementor elementor-7817\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"has_eae_slider elementor-element elementor-element-2cc66361 e-con-full e-flex sticky-no is-skin bg-el bg-inherit bg-light bg-no bg-no bg-no box-no e-con e-parent\" data-eae-slider=\"25452\" data-id=\"2cc66361\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea19af4 elementor-widget elementor-widget-heading\" data-id=\"ea19af4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Umfrageergebnisse (Oktober 2024)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78f56b19 elementor-widget elementor-widget-text-editor\" data-id=\"78f56b19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p class=\"wp-block-paragraph\">\ud83d\udcbc W\u00e4hrend sich <a href=\"https:\/\/vapa.ch\/de\/digitaler-wandel-im-finanzwesen-ein-modernes-paradoxon\/\">die Finanzsysteme weiterentwickeln<\/a>, stellt sich eine Frage: Sollten wir eine digitale W\u00e4hrung einf\u00fchren, bei der jede Transaktion auf der Blockchain vollst\u00e4ndig nachvollziehbar ist und so Transparenz gew\u00e4hrleistet? Oder bleiben wir beim heutigen regulierten System, das mit erheblichen Pflichten zur Geldw\u00e4schereibek\u00e4mpfung (AML) und Herausforderungen bei der Nachverfolgbarkeit einhergeht?<br \/><br \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06a3f15 elementor-widget elementor-widget-progress\" data-id=\"06a3f15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<span class=\"elementor-title\" id=\"elementor-progress-bar-06a3f15\">\n\t\t\t\tDigitale W\u00e4hrung (nachvollziehbar)\t\t\t<\/span>\n\t\t\n\t\t<div aria-labelledby=\"elementor-progress-bar-06a3f15\" class=\"elementor-progress-wrapper\" role=\"progressbar\" aria-valuemin=\"0\" aria-valuemax=\"100\" aria-valuenow=\"50\">\n\t\t\t<div class=\"elementor-progress-bar\" data-max=\"50\">\n\t\t\t\t<span class=\"elementor-progress-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-progress-percentage\">50%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec267dc elementor-widget elementor-widget-progress\" data-id=\"ec267dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<span class=\"elementor-title\" id=\"elementor-progress-bar-ec267dc\">\n\t\t\t\tHeutiges System (Privatsph\u00e4re)\t\t\t<\/span>\n\t\t\n\t\t<div aria-labelledby=\"elementor-progress-bar-ec267dc\" class=\"elementor-progress-wrapper\" role=\"progressbar\" aria-valuemin=\"0\" aria-valuemax=\"100\" aria-valuenow=\"17\">\n\t\t\t<div class=\"elementor-progress-bar\" data-max=\"17\">\n\t\t\t\t<span class=\"elementor-progress-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-progress-percentage\">17%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cd97ed elementor-widget elementor-widget-spacer\" data-id=\"8cd97ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-c63a3e9 e-con-full e-flex sticky-no is-skin bg-el bg-inherit bg-light bg-no bg-no bg-no box-no e-con e-parent\" data-eae-slider=\"68973\" data-id=\"c63a3e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfe96e2 elementor-widget elementor-widget-heading\" data-id=\"dfe96e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Digitale W\u00e4hrung: geteilte Meinungen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd8f5b2 elementor-widget elementor-widget-text-editor\" data-id=\"bd8f5b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00dcberrascht hat mich, dass die Umfrage genau in der Mitte geteilt war: 50 % bevorzugen eine nachvollziehbare digitale W\u00e4hrung auf der <a href=\"https:\/\/vapa.ch\/de\/nutzung-der-blockchain-fur-nahtlose-wertpapierubertragungen\/\">Blockchain<\/a> und 50 % das heutige, privatere und regulierte System. Einerseits verstehe ich, warum digitale W\u00e4hrungen Bedenken wecken. Die Vorstellung, dass jede Transaktion dauerhaft <a href=\"https:\/\/vapa.ch\/de\/relationship-manager-compliance-vermogensverwaltung\/\">nachvollziehbar<\/a> auf der Blockchain gespeichert ist, wirft ernsthafte Fragen zur Privatsph\u00e4re auf \ud83e\udd14. Viele f\u00fcrchten \u00fcberm\u00e4ssige \u00dcberwachung oder den Verlust der Kontrolle \u00fcber ihre Finanzdaten \u2013 eine berechtigte Sorge.<\/p>\n<p>Meines Erachtens k\u00f6nnte ein v\u00f6llig transparentes System jedoch von grossem Vorteil sein, insbesondere bei der Arbeit mit verm\u00f6genden Kunden. Viele Kunden k\u00f6nnen nicht jeden Cent auf ihren Konten erkl\u00e4ren, und wenn wir ehrlich zu uns selbst sind, kann jeder von uns jeden Cent auf seinen Konten genau nachvollziehen? \ud83d\udcb8 Die digitale Transparenz, die ein solches System bietet, k\u00f6nnte die Dinge f\u00fcr alle Beteiligten unkomplizierter machen.<\/p>\n<p>H\u00e4tte ich dieselbe Umfrage vor f\u00fcnf Jahren durchgef\u00fchrt, w\u00e4ren die Ergebnisse wohl anders ausgefallen. Damals h\u00e4tten die meisten die Vorteile digitaler W\u00e4hrungen nicht gesehen. Doch heute, da sich die Welt digitalen L\u00f6sungen zuwendet, wird die <a href=\"https:\/\/vapa.ch\/de\/transparenz-und-fairness-im-private-banking-eine-neue-ara-des-vertrauens\/\">Transparenz<\/a> dieser Technologien immer attraktiver. Es ist faszinierend zu sehen, wie schnell sich die Meinungen wandeln \ud83c\udf0d\ud83d\udcc8.<\/p>\n<p>Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_blockchain-fintech-digitaltransformation-activity-7248254448584544257-rMtf?utm_source=share&amp;utm_medium=member_desktop\" target=\"_blank\" rel=\"noopener\">LinkedIn-Umfrage<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div style=\"display:flex; gap:10px;justify-content:\" class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend\">\n\t\t<a  href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/7817?action=genpdf&amp;id=7817\" class=\"pgfw-single-pdf-download-button\" target=\"_blank\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" title=\"PDF generieren\" style=\"width:auto; height:45px;\"><\/a>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Umfrageergebnisse (Oktober 2024) \ud83d\udcbc Die Entwicklung der Finanzsysteme stellt uns vor eine Wahl: Sollen wir eine digitale W\u00e4hrung annehmen, bei der jede Transaktion auf der Blockchain vollst\u00e4ndig r\u00fcckverfolgbar ist, um Transparenz zu gew\u00e4hrleisten? Oder sollten wir am heutigen regulierten System festhalten, das mit erheblichen Belastungen bei der Bek\u00e4mpfung der Geldw\u00e4sche (AML) und Problemen bei der R\u00fcckverfolgbarkeit verbunden ist? Digitale W\u00e4hrung (r\u00fcckverfolgbar) 50% Aktuelles System (Datenschutz) 17% Digitale W\u00e4hrung: Eine geteilte Meinung Ich war \u00fcberrascht, dass diese Umfrage genau in der Mitte gespalten war: 50% bef\u00fcrworteten eine r\u00fcckverfolgbare digitale W\u00e4hrung auf der Blockchain und 50% bevorzugten das heutige, eher private, regulierte System. Auf der einen Seite verstehe ich, warum die Menschen Bedenken gegen\u00fcber digitalen W\u00e4hrungen haben. Der Gedanke, dass jede Transaktion auf der Blockchain permanent nachvollziehbar ist, wirft ernsthafte Fragen zum Datenschutz auf \ud83e\udd14. Die Menschen f\u00fcrchten vielleicht eine zu starke \u00dcberwachung oder den Verlust der Kontrolle \u00fcber ihre Finanzdaten, was eine berechtigte Sorge ist. Aus meiner Sicht k\u00f6nnte ein vollst\u00e4ndig transparentes System jedoch einen erheblichen Vorteil darstellen, insbesondere bei der Arbeit mit wohlhabenden Kunden. Viele Kunden k\u00f6nnen nicht jeden Cent auf ihren Konten erkl\u00e4ren, und wenn wir ehrlich zu uns selbst sind, kann jeder von uns jeden Cent auf seinen Konten genau nachvollziehen? \ud83d\udcb8 Die digitale Transparenz, die ein solches System bietet, k\u00f6nnte die Dinge f\u00fcr alle Beteiligten unkomplizierter machen. Wenn ich h\u00e4tte ...<\/p>","protected":false},"author":1,"featured_media":7808,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[93],"tags":[272,107,161,99,64,123,84],"class_list":["post-7817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulations","tag-2024-blogs-wealth-management","tag-compliance","tag-financial-sector","tag-independent-wealth-management","tag-private-banking","tag-regulatory-framework","tag-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Digital transparency or 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