Özet:

Purpose- Blockchain has emerged as high impact disruptive technology and surpassed most of the aggressive predictions in banking and finance domain. The changing landscape in digital banking has forced the entire banking sector to look at blockchain technology as future of transactions. Blockchain is disrupting the banking industry and contributing to the increased efficiency and speed in banking. However, there exists a gap in research and development into block-chained processes in banking from an academic perspective, and this paper ia an attempt to put together the research work done in the field of blockchain adoption in banking. Methodology- This paper’s literature review process follows common and established guidelines (Levy and Ellis, 2006; Okoli, 2015; von Brocke et al., 2009; Webster and Watson, 2002) and is summarized thoroughly. We considered the IS literature in both the blockchain and the banking context. In the first step, we conduct a separate review on both streams of literature to derive a general understanding of their current state of development. In the second step, we then conflate the relevant literature and discuss it within a joint analytical framework. In doing so, we identify paths for future research and discuss the potential of blockchain technology for banking and finance sector. Findings- In this paper we discuss the impact that blockchain will have on banking in future and show the increasing importance of distributed ledger based transactions for the banking industry. Finally, this paper brings together the research work published in several reputed databases, in hope of motivating more active engagement by academics, researchers and bankers alike. A comprehensive review of the blockchain adoption in banking to date and across the geographic areas is presented as a result of comprehensive review of literature. Conclusion- The collaboration of blockchain and banking is not very old, comparatively novice and we have tried to include all the significant studies till date across various databases of research.

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