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
You must know that he is not far from the battlefield, and with the help of IBMz15, he has not found anything.Even the outer disciples of Shushan Sect are countless times stronger than their casual cultivators outside.
Is this war about to begin Types of Sex Enhancement Gummies Three arhats from Qianye Temple ambushed Elder Ye.In addition, if you build a transparent glass greenhouse, use lights as sunlight, and do drainage and other work well, you can also grow spiritual rice in such weather.
Even late stage Jindan monks rarely appear. To Li Nutritional Changes and Diet Strategies Shiming s expectation, he approached the shore without any trouble.This is a huge waste of resources and will also put Li Shiming in extreme danger.
Even with the strength of a monk, he still maintains enough respect for the ocean.If such a heavy blow was made to the spiritual mind, the feeling would be no less intense than a direct attack on the soul.
You can only use whatever raw materials are available.After drawing a stroke, the light on the talisman paper flickered brightly and darkly.
With Li Shiming s intelligence, it is impossible to make excessive demands.She deserted her family again and left the sect without telling anyone.
Even though there was no more falsehood in Brother Hao s expression after that, he still felt worried.These minor operations were like scars on the skin.
When he bowed to express his thanks, Elder The Keto Diet: What is it? Ren didn t care what he thought.Xu Chuan was poisoned, and under the dual effects of the spiritual Benefits of Melatonin Gummies for Adults power and antidote pills in his body, the black air on his face was fading.
The target of the mission was the remnants of the Houtu Sect.At this time, he was 100 sure that what happened in the city was related to the two immortal cultivators.
It was naturally impossible for Li Shiming to hand over the storage bag.When Li How to Use Zen Leaf CBD Gummies Shiming saw the small fish, he couldn t help but move his index finger.
This can t be blamed on him being careful, but because of his combat prowess, Many of them involve Jindan monks, and if you are not careful, you will die.No monk would leave himself so exposed to other monks, putting his safety in the hands of others.
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.
I sat for too long all day. After dinner, I suddenly felt that my balance was a little off, just like I used to feel when I was lying on the bed and would be shaking slightly.At this moment, no matter whether it is based Product 3: DEF Male Enhancement Tablets on merit or potential, he is at the top of the dragon clan and is unique.
Seriously speaking, as long as Keto+ Gummies: The New Trend Yin Yang Taoist and Dongfang Wanqing win a powerful dialogue with Xi Lerong, the pressure on the other party will inevitably increase.When you want to use your divine will again, the other party has already taken Benefits of Botanical CBD Gummies the Social Media Buzz and User Feedback absolute advantage and blocked all directions for your spiritual consciousness to escape.
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.
Immediately he saw a man in gray robe standing on a high platform with his hands behind his back, as if waiting for him.For example, the attack in front of me was the savings of the Red Mei clan in the past three eras.
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.
Each crystal is actually a shell, like a river clam, divided into two halves.Roughly speaking, when used on an object, it is as if the object is covered with a layer of extremely mysterious and incredible space film the vast and vast space that is hundreds of millions of miles away is compressed and folded into a thin layer.
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.
Suddenly, Moya, who was leading the way, turned around suddenly, and a pair of beautiful eyes suddenly shot out two rays of light.Wu Juan said solemnly. Senior sister, is this what you want, master Or is it yours Xinglan, who had always been quiet, suddenly asked.
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.
If the requirements are more specific, the deduction will naturally become more difficult if the results required are broader, it will be User Testimonial #1: Mark’s Experience easier to obtain the results.Although he is only in one altar at this moment, the interior of the four altars is connected, and the weather Feel Good CBD Gummies for Erectile Dysfunction inside can be seen.
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.
And after one beheading, everyone felt relaxed and their Finding the Best Amazon CBD Gummies for ED state of mind was lifted.Although the shapes of the cracks are almost the same, the subtle differences in temperament can be distinguished at a glance.
If you hold on, It s not impossible to spread your wings and help us two escape.The God Realm is the foundation of my father. Now that the foundation is like this, even if he is awake, can Honey Boo Boo Weight Loss: 60 Pounds Lost and Transforming Her Life he really defeat that powerful ruthless man It s hard to say It seems that you are not sure.
I am only in control, not part of the Understanding the DASH Diet way of heaven
Luo Ruoxi said. Zhang Xuan breathed a sigh of relief.Gui Wujiu raised his eyebrows and Understanding Euphoric CBD Gummies said, Why did fellow Taoist say this But he said in his heart, I didn t mention it myself, but you took the initiative to mention it, so it s better this way.
Because Gui Wujiu senses that the external force has weakened a lot, it is enough for him to reduce his Key Ingredients and Benefits internal force and still maintain balance and the person How to Incorporate Rejuvenate CBD Gummies into Your Diet who exerts external force cannot be sure that his own force is still falling despite the endless distance across this film.The situation I have experienced. A cold voice said.
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.
The red haired man became energetic and looked up to the sky and laughed three times.The last treasure used by Shen Siping was clearly the most targeted treasure among all the What Are G6 Keto + ACV Gummies? six treasures, and it should have the best effect the appearance of this treasure was indeed not bad, the shape of wheat ears swayed in the air, and a In response to the changes in mana that can be felt by the empty force, the spirit, moistness and body will immediately turn into six or seven entities as if frozen.
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.
I controlled the nature of heaven Garden of Life Vitamin Code Multivitamin & Mineral Gummies on my behalf and maintained the balance of the 1. Goli Apple Cider Vinegar Gummies divine world
If you want to make him recover, you can only collect the scattered parts
That s why I am so determined and cannot fail That s why I specially entered the famous master continent, studied the Spring and Autumn Ceremony, and found a way to defeat Master Kong When fighting Master Kong, please This is also his matter.
An instant later, the cloud of energy surrounded Jing Ke, forming a melting force with Jing Ke s elixir power.Say hello. Ying Yuan calculated secretly. If Long Yun hadn t been troubled at the last moment, he wouldn t have even had to fight Dongfang Wanqing in this battle and would have just surrendered.
With its ingenuity, it is enough to kill one of Long Yun and Feng Qing.A trace of joy appeared on Negative s face but before he could Health Benefits of Fusion Keto Gummies speak, the dots of stars in the infinite distance had swelled into a human shape and fell into the tower It s time to take the blame.
The facts before us prove indisputably that this clone itself has been completely filled in the vacancy in that period its own Tao based magic power is infinitely and meticulously connected Understanding THC-Free CBD Gummies with the CBD Daily Product Safety and Regulation state of mind that connects to eternity and opens up the true flow.It s just that the initial perspective is My Way , and you get half of it first, Why Apple Cider Vinegar Works for Weight Loss establishing the Eight Swords as the foundation every time you change the perspective thereafter, you get one of the Eight Swords.
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.