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Gartner Digital Economy Asset Taxonomy


A Digital Business Asset (DBA) is anything that is stored or represented digitally and is uniquely identifiable that organizations can use to realize value. The asset or underlying good can include a physical item — such as a car, painting or building — or a digital item — such as a digital photograph, digital blueprint or digital land title. DBAs include a large variety of assets that are uniquely identified in a digital environment and derive their value from multiple factors such as their scarcity, and their intrinsic and extrinsic value. 

The emergence of new DBA classes results from the combination and interactions of multiple factors which are disrupting existing monetary and commercial exchanges, and customer engagement. These factors may include:

🌐 Blockchain-related acceleration of the evolution of digital token protocols that facilitate value exchange in the programmable economy.

👨‍💻 Increased experimentation in and deployment of DeFi, non-fungible tokens (NFTs) and the underlying blockchain technology, especially using smart contracts that support coins and tokenization via public blockchains.

💳 Acceleration of central bank digital currencies (CBDCs) initiatives, and notably wholesale CBDCs that support atomic transactions such as delivery vs. payment, hence easing the settlement of digital tokens and coins and the valuation and exchange of assets.

👨‍🎨 Creation of alternative digital exchanges, such as NFT marketplaces, that drive issuance, and the continued growth of interest in cryptocurrencies and stablecoins. 

🎮 Growth in interest in gaming and metaverses, which promote the use of digital assets and tokenized exchange of value. While such digital environments are still at an early stage and the value of tokens is volatile.


#Innovation #Fintech #Banking #DigitalBanking #Neobanks #OpenBanking #OpenAPIs #Marketplaces #FinancialServices #Payments #DigitalPayments #Blockchain #Crypto #CBDC #Stablecoins #Tokens #SmartContracts #DLT #DeFi #NFTs #Metaverses

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