Proposal for the Transaction Model Based on Blockchain Technology for Financial Operations


There is a need to take measures against financial fraud in banking institutions since it annually generates million-dollar losses in the banking sector and even limits the economy of a country. Although there are methods to avoid these problems, the most manageable is a centralized system where large volumes are processed, which means that they have serious performance and security limitations, making it easy for cybercriminals to attack a single target. Therefore, the objective is to identify the models of Blockchain technology as a measure to reduce bank fraud and propose a new transaction model for financial operations. The methodology used was the literature review where a total of 200 potential studies were obtained, of which 30 were selected for writing this article. The result of this research is the proposal of a model for financial transactions using Blockchain technology.

Keywords: blockchain, transactions, security, privacy, finance.


Existe la necesidad de tomar medidas contra el fraude financiero en las instituciones bancarias ya que genera pérdidas de miles de millones de dólares anuales en el sector bancario e incluso limita la economía de un país, aunque es cierto que existen métodos para evitar estos problemas, la mayoría gestiona un sistema centralizado en el que se procesan grandes volúmenes, lo que hace que tengan serias limitaciones de rendimiento y seguridad, lo que facilita que los delincuentes informáticos ataquen a un único objetivo. Por ello, el objetivo es identificar los modelos de la tecnología Blockchain como medida para reducir el fraude bancario y proponer un nuevo modelo de transacción para las operaciones financieras. La metodología usada fue la revisión de la literatura. En la revisión de los artículos se obtuvo un total de 200 estudios potenciales, de los cuales se seleccionaron 30 para la redacción de este artículo. El resultado de esta investigación es la propuesta de un modelo para transacciones financieras utilizando la tecnología Blockchain.

Palabras Clave: blockchain, transacciones, seguridad, privacidad, finanzas.

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