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[{"key": "dc.contributor.advisor", "value": "Laatikainen, Gabriella", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Kirvesoja, Ville", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2022-06-15T07:47:13Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2022-06-15T07:47:13Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2022", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/81722", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Uudet innovaatiot kuten lohkoketju ja \u00e4lysopimukset ovat avanneet oven uudenlaisille t\u00e4ysin hajautetuille ja avoimille rahoituspalveluille, jotka toimivat ilman v\u00e4lik\u00e4si\u00e4. T\u00e4m\u00e4 uusi suuntaus on saanut nimen hajautettu rahoitus (DeFi). DeFi on avoin ja hajautettu vertaisverkollinen avoimen l\u00e4hdekoodin rahoitusekosysteemi. T\u00e4m\u00e4n pro gradu -tutkielman tavoitteena on selvitt\u00e4\u00e4, mitk\u00e4 ovat n\u00e4iden hajautettujen rahoituspalveluiden hy\u00f6dyt ja ongelmat verrattuna traditionaalisiin palveluihin verrattuna. Tutkielma alkaa kirjallisuuskatsauksella aiheeseen, joka toimii pohjana empiiriselle osuudelle. Tutkielman empiirinen osuus on toteutettu kvalitatiivisin menetelmin, puolistrukturoituja asiantuntijahaastatteluja hy\u00f6dynt\u00e4en. Tutkielman tulokset osoittavat, ett\u00e4 DeFi:n edut traditionaalisiin rahoituspalveluihin verrattuna on l\u00e4pin\u00e4kyvyys, hajautus, yleistoimivuus, avoimuus, tehokkuus, turvallisuus, innovaatiot ja tuotot. DeFin heikkouksina on sen sijaan k\u00e4ytett\u00e4vyys, teknologian riskit, regulaation puute, skaalausongelmat, ymp\u00e4rist\u00f6haitat, systeeminen riski, oraakkeli ongelma, spekulaatio, hajautuksen puute sek\u00e4 laiton k\u00e4ytt\u00e4ytyminen. T\u00e4m\u00e4n tutkielman kontribuutio, taulukot DeFi:n hy\u00f6dyist\u00e4 ja rajoitteista voivat toimia pohjana tulevaisuuden lis\u00e4tutkimukselle aiheesta ja voivat antaa arvokkaita oivalluksia alalla ty\u00f6skenteleville.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "New innovations such as blockchain and smart contracts have opened a door for new kinds of fully decentralized and open financial services, that work without the need for intermediaries. This movement has been given the name Decentralized Finance (DeFi). DeFi is an open and decentralized peer-to-peer open-source financial system. This thesis aims to study the advantages and disadvantages of these Decentralized Financial applications, in comparison to traditional financial services. This study was conducted by performing a literature review to act as a basis for an empirical study, which was conducted using qualitative methods and semi-structured interviews with professionals of the topic. As results, the study found that DeFi\u2019s advantages are transparency, decentralization, interoperability, openness, efficiency, security, innovations and profits. DeFi\u2019s disadvantages however are user experience, technology risks, lack of regulation, scalability, environmental impacts, systemic risk, The Oracle Problem, speculation, lack of decentralization and illicit activity. This thesis\u2019 contribution, the frameworks of advantages and disadvantages of DeFi can act as a basis for future research and offer valuable insights for practitioners.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2022-06-15T07:47:13Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2022-06-15T07:47:13Z (GMT). No. of bitstreams: 0\n Previous issue date: 2022", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "65", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "eng", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "decentralized finance", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "smart contracts", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Advantages and disadvantages of decentralized financial (DeFi) services", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202206153332", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", 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