Por Octavio Osorio | Vicepresidente for Latin America Enterprise.
A los 17 años, Vitalik Buterin, un prodigio en matemáticas y programación, comenzó a descubrir el vasto potencial de blockchain. Él vio una oportunidad prodigiosa para eludir a los intermediarios en el intercambio de activos y hacer las transacciones dramáticamente más rápidas, más baratas, más simples y más transparentes. Buterin desarrolló Ethereum, una plataforma informática de distribución abierta, pública y basada en blockchain para desarrolladores que comenzó a funcionar en julio de 2015.
Solo dos años después, Calastone, una compañía de tecnología financiera, anunció que está activamente involucrada en probar la factibilidad de blockchain para desarrollar un mercado global común para la negociación sin fricciones y la liquidación de fondos mutuos.
Reconociendo la oportunidad de reimaginar el entorno bancario central, Dell Technologies está desarrollando una versión de clase empresarial de blockchain, implementando infraestructura que impulsa backends de blockchain, proporcionando servicios de integración de datos y diseñando aplicaciones de front-end para interactuar con sistemas blockchain.
Tal es el impulso detrás de blockchain, que 30 grandes bancos se han unido a una alianza para desarrollar una cadena de bloques privada de Ethereum, reconociendo que necesitan hacer que Blockchain trabaje para ellos (en lugar de enterrarlos). Por supuesto, habrá algunos perdedores. Las interrupciones rara vez son ordenadas, ya que los líderes de los servicios financieros son demasiado conscientes. El año pasado, 50% de las empresas de SF dijeron que les preocupaba volverse obsoletas dentro de 3-5 años (5% más que el promedio mundial).
Pero las nuevas tecnologías como blockchain también están abriendo la puerta a nuevas oportunidades comerciales y flujos de ingresos.
Un nuevo amanecer en los servicios financieros
El Instituto para el Futuro (IFTF) cree que estamos ingresando a la próxima era de asociaciones entre humano-máquina. Hemos vivido y trabajado junto a las máquinas durante siglos, pero para 2030, estas asociaciones estarán más entrelazadas e inmersivas que nunca. La tecnología funcionará como una extensión de las personas, convirtiendo a los humanos en conductores digitales.
Estamos viendo esta jugada en los esfuerzos de las compañías de FS para elevar sus niveles de servicio. Tecnologías emergentes -definidas por IFTF como inteligencia artificial (IA), robótica, realidad aumentada y realidad virtual (ra / rv) y tecnologías en la nube- combinadas con el genio humano, están transformando los servicios financieros al reducir costos, automatizar tareas mundanas, mitigar el riesgo y crear oportunidades para llegar a nuevos clientes.
Por ejemplo, para 2030, con la computación cognitiva a la cabeza (plataformas inteligentes de autoaprendizaje que imitan el comportamiento humano), la mayoría de las personas contará con un asistente personal virtual para atender sus necesidades bancarias cotidianas. Van a ir más allá de lo que los banqueros personales humanos hacen hoy, al sugerir oportunidades altamente personalizadas en tiempo real para reducir la deuda o ahorrar dinero.
Servicios financieros de código abierto
Los bancos alguna vez fueron, y en muchos aspectos siguen siendo, los leviatanes de la industria del SF, pero una generación diferente de competidores, liderados por la generación del milenio, está poniendo a la industria de cabeza.
Patrick Collison es uno de esos milenials. Presidiendo una compañía multimillonaria, Stripe, Collinson está «resolviendo [problemas] a través de la tecnología y empoderando a otros desarrolladores y constructores». Ha revolucionado la industria de pagos con la codificación y las interfaces de programación de aplicaciones flexibles (API).
Lo más probable es que con la aparición de las APIs bancarias abiertas, se generen más transformadores del estilo de Collinson. Con las API abiertas, los nuevos jugadores simplemente entrarán en escena. La aparición de ecosistemas bancarios no tradicionales hará que la experiencia del cliente sea mucho más fluida. Los servicios bancarios tradicionales se combinarán con los servicios bancarios no tradicionales, extrayendo datos de una gran cantidad de dispositivos de Internet de las cosas (IoT).
Los clientes iniciarán una transacción utilizando una parte del cuerpo autenticada (voz, cara), y se desencadenará una cascada completa de acciones apropiadas. Algoritmos altamente complejos y potentes harán el trabajo pesado en el fondo, mientras que la experiencia del cliente en primer plano parecerá casi inconsecuente. Y si tienen alguna pregunta, un holograma estará a su disposición.
Asia-Pacífico tomará la iniciativa
Los pronósticos del IFTF para el futuro giran en torno al potencial aparentemente ilimitado de las tecnologías emergentes para redibujar nuestro mundo. Los nuevos agentes de poder entrarán a escena, y los titulares se retirarán. Estamos viendo esto en el escenario global. Regiones de Asia-Pacífico están experimentando un rápido crecimiento e industrialización mientras disfrutan de los beneficios de ser un legado libre.
Esta libertad está fomentando la innovación en toda la región. Por ejemplo, Woori Bank en Corea del Sur está probando los servicios financieros de robots. China ha adoptado robots fiscales y de asesoramiento a gran escala . Varios bancos indios están utilizando Blockchain para llevar a cabo transacciones de comercio internacional y remesas en el extranjero, y la startup india Primechain Technologies está creando soluciones de blockchain en contra del lavado de dinero, pagos fronterizos, registro de activos y sindicación de préstamos (NB Primechain vende a bancos y planea tener 750 miembros para 2019 .)
Un lugar para los humanos
Si bien la economía mundial está adoptando claramente las tecnologías emergentes, el auténtico elemento humano sigue siendo importante. En lugar de ver el futuro como una de dos realidades conflictivas: la visión cegadoramente pesimista de que la IA(Inteligencia artificial) define el desempleo masivo, y la suposición demasiado optimista de que la tecnología equivale a panaceas para todos los males sociales y ambientales, necesitamos prepararnos para un futuro en el que las personas forjen alianzas significativas con máquinas. ¿Cómo equipamos a la fuerza de trabajo con habilidades computacionales para que puedan comunicarse y solucionar problemas con los miembros de su equipo automatizado? ¿Qué controles y equilibrios deberíamos implementar para garantizar que no nos volvemos subordinados a las formas en que las máquinas se adelantan a nuestras necesidades?
En palabras de Andres Wolberg-Stok, director Global de Plataformas y Servicios Emergentes de Citi, «el intercambio de API puede permitir que los agregadores inteligentes separen la cadena de valor, pero las piezas se ensamblarán en otro lugar». Es nuestro trabajo asegurarnos de que la tecnología sea ensamblada de nuevo de manera que continúe apoyando grandes cantidades de trabajo humano, a través de asociaciones simbióticas que se afirman mutuamente con sistemas poderosos e inteligentes.
El cambio climático es uno de los mayores desafíos de nuestro tiempo, y requiere una respuesta colectiva y urgente. La modificación genética de plantas emerge como una opción atractiva y viable en la lucha contra el cambio climático, ofreciendo la posibilidad de aumentar la capacidad de captura de carbono de manera rentable y sostenible. A medida que la investigación avanza y se exploran nuevas tecnologías, es crucial mantener un enfoque integral y colaborativo para abordar este desafío global y proteger el futuro de nuestro planeta.
Considerar todo el ciclo de vida de un producto permite al Estudio de Diseño optimizar los diseños y tomar mejores decisiones de producción sostenible.
Los profesionales astutos de la cadena de suministro saben que construir y mantener una red de fanáticos y animadores, en toda la organización, pero especialmente
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You can only use whatever raw materials are available.After drawing a stroke, the light on the talisman paper flickered brightly and darkly.
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Of course, Jueyuan Buddha had no chance. His body was in Li Yuanba s storage space.The seven people looked at Li Shiming s disappearing figure.
Li Shiming couldn t help but be stunned on the spot with one sentence.Monks like them who have no chance to join a sect can enter a large sect like Shushan Sect.
The hidden monk s attack was timed just right, right at the moment when Xu Chuan wanted to escape.
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With mountains standing tall and pearls and jade ahead of them, is it possible to still come Exploring the Benefits of Tommy Chong Nano CBD Gummies for a Healthier Lifestyle up with new ideas in the fight between the Golden Elixir and Nascent Soul Realm The answer is yes.it seems that such a fighting method does not have full confidence in the heart the balance of victory and defeat seems to have tilted towards Jiang Minyi.
Taoist Master Ying Yuan felt his blood surge in his chest.It seems that only the outline of the small world has been omitted.
One side believes that the Xuanxiao tribe has reached a point of great difficulty and should be dispersed in time while the other side The Benefits of Rejuvenate CBD Gummies for ED believes that the main conflict object of the Xuanxiao tribe is still the Baoheng Kingdom.But he saw his big sleeve waved, and the light and shadow on his palm burst out.
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And unlike the Dragon Clan, there is a Yu Jiao Long who is not far away from him and can be used as a branch of enlightenment.I have to say
they really have a lot of tricks up their sleeves.
But at the end of the day, here comes the challenge.Yuchan sneered. After a closer look, the red pill did not break apart, but instantly turned into a paper talisman about a foot long, which was attached Conclusion: Making Vinegar a Part of Your Winter Wellness Routine to Yu Chan s chest.
This is a look of extreme disbelief. Mr. Mood suddenly felt that at this moment, at the moment when Chen Yang s final sword was released with all his strength, oneself s control over oneself was suddenly declining rapidly A strange thought of I am not myself quickly emerged, and soon it seemed that the connection between my own divine will and my Dharma body was rapidly weakening, as if it was about to be expelled by an inexplicable force.
Dongfang Wanqing said With his cultivation level, although this method is fast, it is still difficult to catch him.Mr. Mood, however, looked like he was in a good mood and was not in a hurry to make a move.
Since it is feasible, then after reaching the highest level of blameless deduction ability, it will definitely be able to be completed.This person was actually one of those hundred people.
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Gui Wujiu said with a smile The first restriction, I call it the Destiny Limit.Did he notice the abnormality in Mo Tianqing s identity Absolutely not.
He was called over for no apparent reason, and was illuminated by a kind of mirror for no apparent reason.He has been gone for half an hour. Young man, wearing a bamboo hat User Reviews and Real-Life Examples Could it be that Ye Fei Junshan frowned.
When the dragon elephant was rising, he saw several large golden characters, which were very blurry and looming.Unfortunately, What s strange is that after entering his body, this energy seems to have no way of getting in and passes away very quickly.
Bad boy Looking at Ye Fei s retreating back, Wu Juan couldn t help but hum.No, he s going to give up his body and launch the strongest attack.
Like chaos, in fact, she had mobilized all the connections of the three legions to look for Ye Fei, but Ye Fei seemed to have disappeared, with no news at all.However, their asking price is extremely high, often tens of millions of spiritual stones.
The leading woman, dressed in white, graceful and graceful, with green hair like a waterfall, really came as if she were a fairy.This cyclone is equivalent to the Gate of Life, the hub of spiritual power.
He had not seen such an alternative disciple for hundreds of years.The sharp claws penetrated his chest directly. He held a bloody heart in his hand, which was still beating.
You must know that you Official Responses and Investigations are the body of Nine Yangs. I am taking Jiuyin Pill.Yuan Magnetic Spirit Technique, Ye Fei took advantage of the opponent s carelessness and used Yuan Magnetic Spirit Technique, which specializes in human spirit.
Everything became quiet, and there was only a bloodstain on the ground, and nothing else.All the six organs were injured. However, Chi Long still held the dragon spear tightly in his hand and looked at Wen Sihu on the stage with an extremely unwilling expression.
If we don t get rid of him now, how many Choosing El Toro Gummies for ED people will be able to control him when he grows up in the future Yes, kill him.Yes, Master Guan Tong replied cautiously. There is a cave in Tiandu Mountain.
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Very understanding. Of course, Ye Fei also wants to buy a defensive spiritual weapon.She was lying on a huge stone, and her body was already Ah Mo Xingyu looked up to the sky and let out a scream.
Boy, don t think that the realm in the later stages of the Guiyi Realm is very high.Senior Brother Hao was seriously injured, his body was in tatters, one arm was torn off, dripping with blood, and his whole clothes were stained with blood.
Damn stinky woman, you actually killed my brother. I will make your life worse than death I will torture you slowly until you die The remaining half step heavenly strongman looked ferocious.At this moment, no matter how unwilling Wang Teng was, he could only obey Qi Lao s wishes and knelt Strategies and Habits Behind Chrissy Metz’s Success down in front of Ye Fei.
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This is the end point of the great road. Xihu s most brilliant calculation methods are not found in ordinary exercises, but are contained in extraordinary methods and forbidden methods.It is the foundation and the shackles. You can rely on it.
After three full breaths, his face showed realization and he rubbed his hands.Dharma intention. Anyone who sees this situation, The only thing is that this sutra itself is mysterious.
And it is impossible for such a big force to avoid the struggle in Ziwei World.The lowest level of divination requirements is called divination of right and wrong , which means dividing the result into two and just calculating the yes and wrong of one thing.
Unexpectedly, Gui Wujiu just said such words. After pondering alone for a full quarter of an hour, Mu Mu said, Farewell.Long Yun and Feng Qing each took action and pushed out a palm lightly.
This is the most advanced long range attack skill in the Tao realm, which has been studied together by the three of them for more than ten years.At the same time, Gui Wujiu pointed his finger at Xi Lerong s eyebrows.
Its scale is integrated into one boundary, and its image is as solid as iron.Today, the direction of the karma of the seventy two people is still hostile to Xin Weiying.
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In fact, Ji Cangsheng himself may not be willing to adopt this method.The time has come to see the light of day. Taking no blame is all about it.
Long Yun turned slightly to one side and fixed his gaze.Leng Hua, Ye Tuo and Lu Su looked at each other, also slightly surprised.
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Then he moved forward slightly. The fingertips condensed, and an ice crystal sword appeared immediately.Faced with a decision that was hanging in the balance and extremely difficult to solve, Xi Lerong was worthy of being a perfect person with long experience.
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In the container, take exactly half of it. Each person s half of the income, and even the contents of each container, are different.She is also well aware of the three flavors of the magic method of tracing the devil s origin into the heart.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.