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.
Datos en tiempo real provenientes de sensores ayudarán a los ingenieros de Bloodhound a optimizar constantemente el rendimiento del vehículo supersónico.
El Internet Industrial de las Cosas (IIOT) ha irrumpido como una fuerza transformadora. El gasto global en plataformas IIOT se ha disparado, pasando de 1.700
Blockchain está marcando un antes y un después en la gestión de la cadena de suministro, ofreciendo una herramienta potente para responder a las crecientes demandas de transparencia, eficiencia y sostenibilidad en un entorno global.
Con herramientas de inteligencia artificial, los tutores obtienen capacidades como predecir la calificación que obtendrá un estudiante o caracterizar su comportamiento de aprendizaje, esto es, una disminución en su carga de trabajo».
Zhang Sheng also met Wang Binqiang, the deputy director mentioned by Zhang Gui.They have just gone to work or got off work. They were walking in a hurry, like big headed ants, trying their best to survive.
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Unless the studio needs major decisions, you will participate in direct management.In that regard, the boss has not become more and more strict
Director Chen, those people are asking you to get out, yes, why can t you do that
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It is our developing country. The smallest free trade area between countries.You are bad. You hope that you can invite the movie This Dog on This Side of the Mountain to be shown outside your place.
She lowered her head subconsciously Zhang Sheng, I
Sister I study law very seriously. I have never done anything like cheating or abduction.After Ke Zhanyi listened for a long time, he still couldn t understand what he was talking about.
Following the herd
This is a human characteristic. Zhang Panpan squeezed the crowd
Her eyes became more and more blood red, and tears blurred her frame.We were outlined by Mr. Dong. Attracted by the blueprint that came out, we stood up excitedly and took a sip of wine.
Mr. Lin, aren t you going to invite me to endorse our Yaohua mobile phones The train was driving towards Yangcheng.The picture becomes more and more intense She saw an unyielding mortal in the wind, rain and thunder, falling down and standing up again and again.
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Brother Jingshan, I have a list here regarding the damage to Shanhai Tower.The only thing she regrets is that the Crescent Moon Pendant given to her by Xie Jingshan was also destroyed in the thunderstorm.
He took a slight detour on the way to the side peak where Dongfang Yu was.The gorge was extremely narrow. Jiang Yuebai and Lu Nazhi walked sideways and barely managed to pass.
As for what will happen in the future, no one knows.Looking at her. Why were you sent to this island This is the first time I saw someone over ten years old who was left on this island.
Bai Lu paused in his steps, showing a guilty look, and stopped at the mouth of the valley to look at Jiang Yuebai who was fleeing reluctantly.I have a question. I saw records saying that Zhu Jiuyou was hammered to death.
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Nothing embarrassing, perfect If you have no other means, then try the Fire and Thunder Sword Intent that I have newly learned As soon as he finished speaking, Xie Jingshan swung his sword to slash, and the fire of the Golden Crow was as strong as the sun, pouring down like the Milky Way, and they struck fiercely.
Starting from the Tianzihao dungeon, every cell must be carefully inspected.The rising sand almost buried them all. Tantai Mo Ye frowned, put away the sky net with a gloomy expression, and spat This kid is The Role of Shark Tank Weight Loss Products in a Comprehensive Approach to Health
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Shopkeeper Cui s forehead was sweating. I was afraid that the spiritual stones in his pocket were not enough to transport so many people to the capital of Wu State, so he had to say cautiously My lord, Do You Have to Refrigerate CBD Gummies Canna River? Uncovering the Truth Behind Canna River's CBD Gu
the small spiritual stones are not enough To transport one person, At least tens of thousands of spirit stones Please allow me to go to Huixing Pavilion and get enough spirit stones.
Not only Wang Shiyuan and Liang Yu The look on her face changed drastically, and even Mu Jinwei, who was closer to Ye Ling, was so shocked that her face turned pale When they meet on such a narrow road and fight to the death, no flying sword, magic weapon, or various Taoist techniques can be as ferocious as the heavy blow from Are ACV Gummies Good for Diabetics: A Comprehensive Review (NutMQ)
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However, Patriarch Zhong Shao had exhausted his totem power after all.In Ye Ling s view, these high grade golden elixir magic weapons were far inferior to the inherited spiritual treasures he had refined and were not worth bidding on.
Brother Yao If a team of monks comes up the mountain, you and I will respond to each other from afar.That s it Ye Ling thought to himself, standing in the crowd and watching with cold eyes, he saw the rolling yellow dust falling from the sky in the west, and a guard of honor composed of hundreds of monks from the Earth Xuanxian Sect appeared In the guard of honor, hundreds of monks wore The uniform yellow clothes are just different Vitamin B12 Gummies for Adults: A Comprehensive Guide to Boosting Energy and Overall Health (QgLia)
shades of color between Jindan and Foundation Building monks.
When I enter the Fire Barbarian Land, I cannot take the ninth level giant whale with me.Brother, I see that you have strong muscles and bones, and good qualifications for earth spirit root.
The rest of the guards were only foundation building practitioners.Ye Ling never encountered large groups of monks along the way.
Wang Shiyuan, Liang Yuzhu and Lu Binglan had already lost their bearings.The mountains and ridges thousands of miles away were all different.
Their lives were uncertain. Now there were less than ten people left on the top of the mountain.
The ancestor asked if he was going, and hurriedly shouted There is still me, my disciple is willing to go Everyone was startled, Zhou Yuan and Zhou Xingwu were even more shocked, and they could hardly believe their ears The ancestor of Tiandan, Venerable Bailong, was also very surprised.If it hadn t been discussed in advance and the captain had given instructions, he would have been killed by now.
There was no Any loss, so he simply nodded and agreed.While talking, Wang Shiyuan and the two of them discussed with Ye Ling one by one the rescue strategies that they had been thinking about Rejuvenate CBD Gummies Phone Number - Relaxation & Anxiety Relief
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He looked to be around thirty years old. He was much more stable than the young man in Xuanqing clothes.He calmed down and bowed deeply Ahem, I heard that the ancestor was here the day before yesterday.
As for you two , I will patrol the coast outside Yuyang Town right now.Hong Guanlin poisoned the atomized monk with ease. Looking back, he saw that the captain Mu Han seemed to be very interested in his poison attack.
In the corpse of the ancient man cultivator, the possessed soul of Mr.When they were about to go around the mountain peak, they suddenly heard a surprised voice coming from the mountain Look What is that It seems to be an ancient barbarian giant In the ancient fantasy world of our barbarians, it is not enough to meet tall ancient barbarians.
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I ve finally opened my eyes. This trip was not in vain The monks who were watching could not stop hearing their exclamations as they watched Ye Ling carrying the Qing Dan down in the wind.Just devour Best Apple Cider Vinegar to Lose Weight: 8 Parents’ Post-Easter Weight Loss Strategies, 2025 Forecast
it. The spirit flower and spirit fruit are enough You must break through the realm of the sixth level beast king and hit the realm of the golden elixir stage monster beast within a few days Ye Ling gave the order, and the ice butterflies danced towards the ice spirit flower, and did not forget to respond with a word of thanks to the Truth CBD Gummies Reviews: 100 Busy Moms’ Weight Loss Success Stories
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oxt However, at this moment, Ye Ling saw the opportunity and released the Purple Pig Talisman Roar With an earth shattering roar, the Purple Pig Talisman appeared.Ye Ling didn t know whether to laugh or cry. Back in Huanhai Cave and on the way to Qingmang Mountain on Donglai Island, Ye Ling protected them several times.
I saw that the power of Lingtian quickly dissipated, but the branches sprouted and grew at a speed visible to the naked eye Ye Ling s soul body replenished the spiritual field with spiritual stones at any time.After the Fire Spirit Arrow exploded, everyone on Jinwu Mountain was alert The leader of the Golden Crow clan, carrying a long bow on his back, appeared in front of the Golden Crow Cave halfway up the mountain, facing the mountain wind, looking majestic Behind him, many archers quickly gathered, also staring coldly at the Yufengzhou and Siluan floats at the bottom of the mountain and on the coast.
That is, you must not violate Grandmaster Ye s wishes.Villa Master Su quickly comforted Master Bao, calm down Xiaoyun, why don t you serve Bao Bao s bacon and treat him well.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.