Das Internet kennt kein Regionalprinzip: Ein Dilemma für die Sparkassen und Genossenschaftsbanken

Von Ralf Keuper

Es ist schon irgendwie paradox: Eigentlich wirbt das Internet mit seiner dezentralen Philosophie; mehr noch die Blockchain-Technologie.  Trotzdem verträgt sich das nicht mit dezentralen Verbünden und dem Regionalprinzip, wie sie für die Sparkassen und Genossenschaftsbanken kennzeichnend sind.

Hans-Peter Burghof, Lehrstuhlinhaber Bankwirtschaft an der Uni Hohenheim, bringt dieses Dilemma in einem Interview mit Deutschlandradio Kultur auf den Punkt:

Das Internet kennt kein Regionalprinzip, und insofern funktioniert das alte Sparkassenmodell im Internet nicht mehr.

Dem ließe sich nun entgegenhalten, dass das Internet vielleicht kein Regionalprinzip im Sinne der Sparkassen und Genossenschaftsbanken, wohl aber das Plattformprinzip kennt (Stichwort: GAFA), das zu einer Machtkonzentration führt, also dem dezentralen Ansatz widerspricht.

Wenn Yomo eine “richtige” Internetbank sein will, dann geht das nicht ohne Zentrali…

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