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 plataforma System Platform 2017 de próxima generación establece un nuevo estándar para la excelencia operativa, conciencia situacional e inteligencia accionable, y puede estar basada en cualquier hardware o software sin importar la edad o el fabricante.
Aeroméxico detectó la oportunidad de incrementar su visibilidad orgánica y, de la mano de Elogia, aprovechó la migración a un nuevo esquema de sitio y sacar el mayor provecho de su contenido.
Pocas tecnologías crecieron tan rápidamente como la computación en la nube y las coubicaciones —tanto dentro del mercado de los centros de datos como para la sociedad en general—.
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Who do you think you are You have become a big tailed wolf.The old man let out a long breath, Hey, I know that too, but I can t help but think wildly.
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But wasn t this grandson sent to a drug rehabilitation center Gong Daoyang had doubts in his heart.Among them, the Municipal Traditional Chinese Medicine Hospital and the Provincial Traditional Chinese Medicine Hospital have the largest number of patients, accounting for nearly 70 of the remaining patients.
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He will remember every point of the Fengqi Demon Sutra, but he doesn t remember the experience of taking me to catch butterflies.Having understood Jian Xin, is that all you can do Sixi asked in a deep voice.
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The old eunuch sighed.It is conceivable how everyone in the capital will talk about His Majesty.The little girl shook her head, and in the end she just said, That s not the reason.
Sixi said.I know the gods, but is there really a god in this world Meng Jingzhe asked.But all Buddhist believers count as one, and they basically hate the scholars in the Central Plains.
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When she met a human race who needed help on the road, she would be very generous to help.He only felt as if he was facing a mountain, which made him breathless.
Jingzhe, your master is possessed by a demon.Qishan Immortal said at the side, she also came forward to help Meng Jingzhe deal with Jing and Jianzun.Queen Meng Jingzhe tentatively shouted, he felt the past of the Queen of Extreme Cold last time, and that time, this past helped him break through the bottleneck of his spiritual consciousness.
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Why did Ye Fu do such a thing Jinghe Jianzun asked.
From now on, if you take the more upright path, your achievements will be limitless.A sneer appeared at the corner of Du Heng s mouth, Director, don t be a good old man.
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Liao Quansheng ignored Du Heng s teasing at all, but directly put the menu in front of Du Heng and said, Hurry up and order two more dishes.Jin Zan glanced back at Du Heng, then continued working on the computer, Wait a minute, I ll finish typing this case.
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As long as you can take action, it won t be a matter of minutes to kill this little brat.He was such a scoundrel, but he just couldn t bear to scold this student.
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Xu Yang lowered his head and saw that it was a strange flower with three petals, its whole body glowing with white light, and its masculine force kept rolling.Xu Yang helped the three of them up, waved Lei Dingtian and the two outside the house, Fang said to Mr.
Xu Yang saw the situation clearly with a glance, curled his lips in disdain, and directly ignored these people.For ten thousand years, Xu Yang, Wen Yu, has never been able to use his skills.
There are a lot of restrictions here, and there is a low grade spiritual vein underground.There are only three cultivators who transform into spirits in the Little Ghost Realm.
After getting this information, Xu Yang was not in a hurry.This sword pill was obtained from the senior sword cultivator, and she has refined it into the life sword pill.
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Por Octavio Osorio | Vicepresidente for Latin America Enterprise.