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CCP Regulated Banking System
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tayjor
HIgh Sec Care Bears
Brothers of Tangra
#1 - 2015-01-21 13:57:58 UTC
How feasible would it be to have CCP regulate a banking system?

Here are some ideas:

Players buy a licence to open a branch
Skills for operating a branch
FDIC related insurance?
Penalties for embezzlement, theft, scams, etc...

Thoughts
TigerXtrm
KarmaFleet
Goonswarm Federation
#2 - 2015-01-21 13:59:18 UTC
Why should CCP regulate it and not the players? As in, if mechanics were introduced to do such a thing?

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tayjor
HIgh Sec Care Bears
Brothers of Tangra
#3 - 2015-01-21 14:06:36 UTC
TigerXtrm wrote:
Why should CCP regulate it and not the players? As in, if mechanics were introduced to do such a thing?


You would need some regulation to add an element of integrity and trust.
Player regulated features have limits set or is regulated (same difference) by CCP.
Why not a bank with similar limits or regulations?
Lugh Crow-Slave
#4 - 2015-01-21 14:51:34 UTC
tayjor wrote:
TigerXtrm wrote:
Why should CCP regulate it and not the players? As in, if mechanics were introduced to do such a thing?


You would need some regulation to add an element of integrity and trust.
Player regulated features have limits set or is regulated (same difference) by CCP.
Why not a bank with similar limits or regulations?


no no there are already banks in eve run by players most all in game with out side programs for record keeping but some use third party sites to manage your account


all of this run on nothing more than trust but they do run don't cheapen what eve is because you can't trust people. Doing things bast on trust because there is no other way than spoken word is something that makes eve great

BLOPS Hauler
The 16.8km Bubble
Daichi Yamato
Jabbersnarks and Wonderglass
#5 - 2015-01-21 15:13:16 UTC
Please no.

if someone wrongs you using in game mechanics. Fight back with in game mechanics. No one really has any integrity or is really trustworthy if they are forced to play nice by out of game rules.

EVE FAQ "7.2 CAN I AVOID PVP COMPLETELY? No; there are no systems or locations in New Eden where PvP may be completely avoided"

Daichi Yamato's version of structure based decs
Kaarous Aldurald
Black Hydra Consortium.
#6 - 2015-01-21 15:42:48 UTC
Why not open your own bank? That's the point of a sandbox game, if you want something done, go do it. Otherwise you don't want it enough.

"Verily, I have often laughed at the weaklings who thought themselves good because they had no claws."

One of ours, ten of theirs.

Best Meltdown Ever.
Bronson Hughes
The Knights of the Blessed Mother of Acceleration
#7 - 2015-01-21 16:17:42 UTC
Kaarous Aldurald wrote:
Why not open your own bank? That's the point of a sandbox game, if you want something done, go do it. Otherwise you don't want it enough.

I'm guessing that the OP has never been to the Market Discussions subforum. Lots of players have already established their reputation as lenders of money and viable investments. There are also trusted third-party agents to hold escrow, handle transactions, etc.

All without any special in-game mechanics.

-1 to the OP.

Relatively Notorious By Association

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I predicted FAUXs
Mantish Maca
ORE DYNAMIC OPERATIONS
#8 - 2015-01-21 16:22:00 UTC
I like this idea to make banking possible with its own interface etc.

But you need to built in system how ppl can avoid it(the bad guys who didnt want to pay)

Something like if I make a loan to bank, it takes back some % of money from all my npc bounty,mission rewards,market actions etc.
If someoney dont want to pay back the loan,he will run to low or null,where will be no % taxes, but instead the loan is added to bounty, when he is killed its taken back from bounty,cuz its go thru bounty office anyway.
Evora Pirkibo
Tribal Liberation Force
Minmatar Republic
#9 - 2015-01-21 16:39:38 UTC
Mantish Maca wrote:
I like this idea to make banking possible with its own interface etc.

But you need to built in system how ppl can avoid it(the bad guys who didnt want to pay)

Something like if I make a loan to bank, it takes back some % of money from all my npc bounty,mission rewards,market actions etc.
If someoney dont want to pay back the loan,he will run to low or null,where will be no % taxes, but instead the loan is added to bounty, when he is killed its taken back from bounty,cuz its go thru bounty office anyway.


I was against this with the thought that it is a player business to conduct outside tight regulation from CCP. The thought of players defaulting on loans and being forced to run into the more dangerous and less regulated space is appealing however. I would think alt abuse might be a concern, but if all funds are loaned from players, then its their choice of how secure a loan to approve. Perhaps an extrapolation of the contract system, which is being polled for improvements, into a loan contract component? Complete with scams, trust concerns, default conditions, interest rates, and ect.

Haven't done any search-fu yet...

On a long enough timeline, the life expectancy of everyone drops to zero.
tayjor
HIgh Sec Care Bears
Brothers of Tangra
#10 - 2015-01-21 16:52:54 UTC
Bronson Hughes wrote:
Kaarous Aldurald wrote:
Why not open your own bank? That's the point of a sandbox game, if you want something done, go do it. Otherwise you don't want it enough.


I'm guessing that the OP has never been to the Market Discussions subforum. Lots of players have already established their reputation as lenders of money and viable investments. There are also trusted third-party agents to hold escrow, handle transactions, etc.

All without any special in-game mechanics.

-1 to the OP.


A sandbox still has limits. Thus the word "box".
Everything in EVE has limits, rules and regulations. You can anything you want within the rules.

Im just suggesting that perhaps CCP can supply the building blocks for a banking feature.

Yes MD is full of lenders and investment brokers.
There are many trustworthy players.

One point im making is that a banking system goes hand-in-hand with a trading market.
Game mechanics are not a bad thing.
A well regulated banking system will only enhance the market.
Daichi Yamato
Jabbersnarks and Wonderglass
#11 - 2015-01-21 22:02:35 UTC
tayjor wrote:

One point im making is that a banking system goes hand-in-hand with a trading market.
Game mechanics are not a bad thing.
A well regulated banking system will only enhance the market.


So regulate one.

Game mechanics to enable banking -> yes

CCP being the god like inescapable finance police -> no get out of eve.

EVE FAQ "7.2 CAN I AVOID PVP COMPLETELY? No; there are no systems or locations in New Eden where PvP may be completely avoided"

Daichi Yamato's version of structure based decs
tayjor
HIgh Sec Care Bears
Brothers of Tangra
#12 - 2015-01-22 12:58:39 UTC
Daichi Yamato wrote:


Game mechanics to enable banking -> yes

.


Yes I agree.

Game mechanics to enable banking for everyone to participate, not just those with 3rd party skills.

Instead of isk sitting in wallets a banking feature would encourage investment that would stimulate the market.
Lugh Crow-Slave
#13 - 2015-01-22 13:07:57 UTC
tayjor wrote:
Daichi Yamato wrote:


Game mechanics to enable banking -> yes

.


Yes I agree.

Game mechanics to enable banking for everyone to participate, not just those with 3rd party skills.

Instead of isk sitting in wallets a banking feature would encourage investment that would stimulate the market.



like i said there are already people who do i 100% in game

BLOPS Hauler
The 16.8km Bubble
tayjor
HIgh Sec Care Bears
Brothers of Tangra
#14 - 2015-01-22 13:40:56 UTC
.[/quote]


like i said there are already people who do i 100% in game[/quote]


Yes they do. They are a select few who have skills outside of game mechanics.

Im suggesting to create banking skills available for all players.

I realize if there were a banking feature it would be in direct competition with 3rd party developers.
Just like ship fitting apps. If CCP developed an in game fitting tool it would be in direct competition with 3rd party devs.
Oluap Acami
Doomheim
#15 - 2015-01-22 13:44:52 UTC
Only a lunatic would invest in those "banks" in EVE.

In RL people go to jail (or at least they may go Oops) if they steal their clients.

In EvE what will happen if the bank manager steals your isks ? Treadanaughts of guys complaining they lost everything, others telling "told you so" and a lot more laughing and watching the show. Nothing more.

The guy that stole all the isks will be considered an hero by a big part of the community cause in "EVE trust no one" and that's it.

Yeah, feel free to invest isks in this jungle... Lol
Samillian
Angry Mustellid
#16 - 2015-01-22 14:37:00 UTC
One of the things that appeals about EvE is that it is happily free of almost all forms of the banking parasite.

Long may it remain so.

Not supported.

NBSI shall be the whole of the Law
Godfrey Silvarna
Arctic Light Inc.
Arctic Light
#17 - 2015-01-22 14:48:25 UTC  |  Edited by: Godfrey Silvarna
Banking will make a comeback, when players can self-regulate by attacking others inside stations one way or another. Good banks would be viable parts of the economy if the clients had anything to hold over the head of the banker at all. Unofrtunately, being docked in an NPC-owned station grants perfect immunity and invulnerability against any sort of player interaction.

Having CCP-enforced sanctions and regulations would ruin the free market wild west aspect of EVE.
Goatman NotMyFault
Lubrication Industries
#18 - 2015-01-29 15:55:54 UTC
tayjor wrote:
How feasible would it be to have CCP regulate a banking system?

Here are some ideas:

Players buy a licence to open a branch
Skills for operating a branch
FDIC related insurance?
Penalties for embezzlement, theft, scams, etc...

Thoughts




I would rater have a NPC Bank, not player controlled.

A Place i could get interest on my isk fortune.

Player controlled banks, will at some point lead to disaster... and what will penalty means if someone uses a New toon, skills it up, starts a bank... let it over a long period collect isk, then steal all the isk... to penalize a toon wont do much good. Humans and isk is a bad combination.

Let NPC run banks... no fuzz, no hazzle, and isk remains safe
Frostys Virpio
State War Academy
Caldari State
#19 - 2015-01-29 16:08:39 UTC
Goatman NotMyFault wrote:
tayjor wrote:
How feasible would it be to have CCP regulate a banking system?

Here are some ideas:

Players buy a licence to open a branch
Skills for operating a branch
FDIC related insurance?
Penalties for embezzlement, theft, scams, etc...

Thoughts




I would rater have a NPC Bank, not player controlled.

A Place i could get interest on my isk fortune.

Player controlled banks, will at some point lead to disaster... and what will penalty means if someone uses a New toon, skills it up, starts a bank... let it over a long period collect isk, then steal all the isk... to penalize a toon wont do much good. Humans and isk is a bad combination.

Let NPC run banks... no fuzz, no hazzle, and isk remains safe


Your bank is your wallet. You need to invest to make a return on investment. Go on the market forum and invest in people's stuff and you will get return.
Melissa Morada
Imperial Shipment
Amarr Empire
#20 - 2015-01-29 16:19:15 UTC
tayjor wrote:
How feasible would it be to have CCP regulate a banking system?

Here are some ideas:

Players buy a licence to open a branch
Skills for operating a branch
FDIC related insurance?
Penalties for embezzlement, theft, scams, etc...

Thoughts


Create bank.
Take deposits.
TAKE deposits.
Launder money.

CCP punishes you by making your wallet 100 billion negative.
Close account.

^^