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.
La interacción social entre astronautas y sistemas de asistencia equipados con IE podrían tener un papel destacado en el éxito de las misiones de larga duración.
Un solo negocio puede tener diferentes buyer personas; esto quiere decir que el mensaje tendrá que irse adaptando al perfil y necesidades de cada comprador.
El acompañamiento es crucial para un mejor funcionamiento de un sistema administrativo, pero por lo regular la consultoría es poco valorada, ya que se piensa que es innecesaria o cara.
Las soluciones de identificación seguras permiten a las personas acceder con comodidad y seguridad a los sitios físicos y digitales, y conectar objetos que pueden ser identificados con precisión.
Du Heng is willing to teach, and he teaches very carefully.With a calm mind, communication will be equal. I went to the village today and just came back from work.
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I diagnosed the wind in the fu organs. Du Heng still said nothing, and just asked softly, Have you checked the pulse I have diagnosed him.Zhang Xi, Zhang Xi. Du Heng couldn t care less about being angry.
However, this kid liked to cling to his sister. He beat and scolded her, cried for a while and then came closer to her without any memory.After all, many more complex diseases are less painful.
I wasn t nervous when I discovered the existence of the system for the first time.In other words, Du Heng, as her backup, has risen a lot in the rankings.
It s hard for an honest official to deal with household chores, let alone a rough old man like Du Heng.Du Heng was stunned after hearing this. He never expected that these two people would refuse diagnosis.
To be honest, since he graduated and earned money, It was the most luxurious meal.If that doesn t work, you can just call our health center.
Stand up and move. It s just around the corner. Li Qingde put the file on the table with a snap and looked at Du Heng opposite him seriously, Such a therapeutic effect.How can I, my future son in law, not be sensible Be obedient, there is a fruit shop downstairs, Ketomaxscience.com: Your Source for Keto Supplements it will be quick.
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No matter what, the people inside are from my Du family.As we all know, the real busyness begins after dawn.
I was just crazy before Yes, In the past, he would go crazy, smash things, yell, and hit himself with things.Xu Pinglin smiled, Traditional Chinese medicine itself is not very expensive, especially when you get medicine in the hospital.
What big hospital can help my son The words were very soft, but Du Heng felt that the woman did it on purpose, but he heard it clearly.Well, I ll wait for your news, sister, let s go first.
Then there was a scene of people jumping around and crying for father and mother.Why are you so eager to get an acupuncture when you get to me It must be I m seriously ill, so I can t delay, right Du Heng was also heartbroken.
Du Heng was a little dumbfounded. Experience the Natural Weight Loss Wonders of Corn Silk Tea The sitz bath and medicine also almost eliminated the possibility of external infection.Their doctors filled it in. But as soon as he reached the stairs and prepared to go to the dean s office, he was blocked by Wang Lili.
Now that things were better, the health center had patients and had its own income, so Du Heng thought about changing the needles.However, Du Heng did not give any advice to the patient and had no intention of reporting it.
Is it always like this It has been since the beginning of winter.Only when he was with Du Heng and the others could he have a little moment of relaxation.
He felt that Lao Fan s retirement might not be like Li Qingde s.She just hit something with a hammer and hit something with a stick, saying whatever came to her mind.
He hesitated for several seconds before saying, Tiantu Be sure, can you hesitate to treat patients Du Heng said, and stabbed the needle in his hand steadily, Tiantu, specializes in treating asthma, cough and other diseases.Auntie, where have you taken your child today When I got up at noon, I pushed him out for a walk.
In the past, the health center was poor and relied entirely on the bureau and township finances to make ends meet.He just asked someone to send a message. Du Heng smiled.
That s it, Xiao Wu and I are going to the village on Monday for the regular meeting of the unit.Then he held back the tears in his eyes to prevent them from flowing down.
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Normally, the three of them don t come back, and they completely treat themselves as.
The people from the township government did not expect to show up at today s meeting.He Unlocking the Science Behind Rebel Wilson’s Weight Loss Gummies didn t expect a doctor from a rural hospital. The diagnostic report he wrote made him nervous.
If her mother asked questions, they were also questions that normal parents should ask.Xiao Du, you are at the door. Come to my office quickly.
If you are not careful, you will die. It s over. 5 Science-Backed Weight Loss Supplements That Shed Pounds Without the ‘Miracle’ Pill Doctor Hou wanted to ask again, but Du Heng continued, Tell me how you treated it first, so I can make a better judgment.Wu Buwei took out a pen and paper from the medicine box and handed it to Du Heng, and saw Du Heng starting to write.
Du Jiang is already very skilled. When he sees his son, Crying, he took the warm bottle on the table and handed it to Yan Ting.Stop dawdling, get on the bus quickly, the bus is about to pull into the stop.
The heart that had just been happy for Du The Role of CBD Gummies in ED Treatment: Efficacy and Options Heng s success suddenly contracted.However, looking at the flow of people in this small clinic and the fact that the old man is between 70 and 80 years old, Du Heng feels that the fee may not be to make money, but to drive away some patients so that the old man can relax.
But Du Heng s attitude changed this time. For this patient, Du Heng s expectation for Wu Buwei is that as long as the cause of the disease can be accurately identified or not too outrageous, he will be considered qualified.
He looks the same every day. Every day adds new pressure to people, leaving them without the courage to pursue.The medicine given to the old man was really not enough.
Suddenly he looked up at Xiao Li at the door and said, Go and call Wu Buwei.Their doctors filled it in. But as soon as he reached the stairs and prepared to go to the dean s Optimum Keto Gummies: Achieving Optimal Results with Keto office, he was blocked by Wang Lili.
In the industry Best Gas Station Sex Pills: Are They Effective? of traditional Chinese medicine, there are many standards for judging the level of a doctor, but age, whether the hair is white, whether there is a beard, and whether there are wrinkles on the face are almost the first factors that people judge.Du Heng straightened up and handed the needle in his hand to Wu Buwei, The patient s medical record is next to it, you can watch and do the pricking yourself.
Okay then. Wang Shuqiu took the phone and slowly chose by herself, continuing to tell the content of today s conversation, Anyway, I gave it to me Mom has let go of her attitude.Do you The Best Keto Gummies for Weight Loss in 2025: ACV Gummies in USA and Canada want to take a look at the medicine my dad drank Did you bring it Yes, Director Xu called me just after picking up the medicine this morning.
Or, we can take over your parents to support them, and provide them with clothing, food, and medical treatment.Suddenly a joke came out of the mouth of the young man in front of me.
In special circumstances, 60 grams can be used. However, my medication this time is 200 grams at a time, and subsequent medication may More.Wang Shuqiu glared directly, No way. the first glass is the same wine that I clinked with, you have to drink it yourself.
And you have no experience in dealing with mental patients.A little surprised. Du Heng. Wang Shuqiu stood up with a serious look on her face, but with a hint of grievance.
We can say that they are ordinary friends, but the two of them will make one or two ambiguous or flirting remarks, and they are not disgusted with each other.Well If you feel tired, you can go back to rest first, and just go to work as usual tomorrow.
The child s grandma is always around. If someone dyes it, there is no way she wouldn t know about it.Unexpectedly, you two suddenly got together again. Do you think I can be surprised We usually don t see each other very often, but we always keep in touch by phone.
Du Jiang chuckled and walked away with the prescription.The prescription prescribed by this doctor is a variation of Sansheng Yin.
Du Heng also responded happily, but he still said loudly, Everyone should go back and rest after a little exercise.Last night, the man in the next bed screamed Keto Gummies Cost: Finding Affordable and Effective Keto Supplements in pain all night long, and Yan Yan didn t sleep much.
At this time, looking at the patient s almost recovered cheek, Du Heng felt a sense of accomplishment for the first time.Have you thought about it clearly Brother Gong, have you seen this This is a disclaimer.
She looked like a resentful woman and said, Dean Li, you come to judge.
After talking a lot, Li Qingde Blue Vibe CBD Gummies Price: How Much Do They Cost? frowned when he heard this.Let s stop the car and leave first, and he will come from behind.
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Just as he was talking, he saw a few little boys wandering over from a distance.Yang Kailong s situation was similar. He probably drank ice water before going to bed.
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When sweating occurs, the superficial closure has been opened, the lung qi is released, the latent cold is released, and the true yang is compressed.He wanted to ask Wang Shuqiu. But as soon as I turned on my phone, I saw the location coordinates sent by Wang Shuqiu.
Although he made no mistakes, he was still sweating by the time he was done.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.