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 Fundación UPS otorgará más de 2.6 millones de dólares en donaciones a organizaciones sin fines de lucro dedicadas a iniciativas para el medio ambiente.
Desarrollar, mantener y mejorar la relación cliente-marca es un dilema para los negocios que están sumergidos en una gran cantidad de datos e inmediatez.
A través de geolocalización las compañías han logrado atraer un mayor número de clientes, potencializar ventas y desarrollar nuevos modelos de negocio.
Las industrias de transformación de un país son las principales piezas de este juego mundial. es donde encontramos los principales esfuerzos en innovación y desarrollo, concentración y ampliación del conocimiento en ciencia y tecnología, modelos y procesos de negocio, metodología y disciplina.
Shengyang Jiangzhuo Decoction Does it treat something Why doesn t it sound like it s a treatment for constipation.Chinese medicine practitioners themselves were also frightened, so they used the smallest dosage of medicine as possible, and they became what everyone calls slow doctors.
At the same time, it can be regarded as a kind of alternative compensation for the old man.When Lao Song saw the two of them together, he greeted them with a smile.
I can only tell you that if you have a paper and the quality is acceptable, your paper will be reviewed and published as quickly as possible.It takes more than an hour to drive to the farthest villages.
Looking back now, no wonder Li Qingde, who had never cared about Du Heng, suddenly called and asked for photos of their activities that day.If nothing else, the conditions here are really not as good as your own dormitory.
At that time, Du Heng couldn t explain anything. According to the current situation of some units, this responsibility is entirely Du Heng s.I eat dinner one week, and then skip dinner the next week.
The arrival of his niece and girlfriend is just a small episode, his The attention is still on Li Qiuhua.We were on a date today, and you called us back. You have to compensate for my loss.
Du to thank him. But yesterday he went to the village and couldn t find anyone.Someone answered immediately, What are you talking about, Mr.
Du Heng was stunned for a moment while holding the phone.Ma Zichen shouted, Okay, Brother Du. He also drank it all.
Now, except for the money he had How Did Kelly Clarkson Lose Weight? 2025 Secrets Revealed Keto Com Diet to sign and manage, all other matters were completely handed over to Lu Zhongjiang.So Du Heng replied quite happily. He looked at Wang Shuqiu and said dotingly, Okay, let him come.
Thank you, thank you, Dean Du. As he spoke, he grabbed Du Heng s hand, tears streaming down his face.Hearing Du Heng s explanation, Li Qingde almost shouted in excitement.
If hospitalized, there is actually no need for people to choose to be hospitalized in a health center.As a result, the disease was not cured, but made the patient miserable.
Oh, uncle, I know why you are more stained than my mother.
In the end, everyone kowtowed repeatedly to ensure that they would not come to the boat again, so they were able to save their lives.Gu Jia raised her eyes in astonishment at her words, looked at her still calmly drinking tea, and asked softly after a while Miss Revive CBD Gummies for ED: Insights from User Testimonials Hydrochlorothiazide Erectile Dysfunction Forum Su, Miss Su, you mean that I can still participate in tomorrow s event.
Daoist Master, you can take this opportunity to see your critical situation clearly.Yu Liao lowered her eyes after hearing the words.Sure enough, they knew each other from the beginning.
She collapsed on the ground and squeezed the bright yellow cloak on her body, and grabbed Yu Liao s skirt when she was about to leave Miss Su, my daughter Weiwei Ozempic & Kelly Clarkson: The Real Story Behind Her Weight Loss Chorizo Keto Recipe also please, I did all the dead children in the town, and it has nothing to do with her.The next day, the few people who had driven all night finally arrived at a town, and also arrived at the last place where Su Yan er and the others marked.
Some.Qin Su stretched out her hand to take the pill bottle that the master handed over, she had specially told them to get it from Dugu Huai, it turned out that the master had considered it for What Did Kelly Clarkson Take to Lose Weight? Her Weight Loss Journey Is A Keto Diet Diabetic Friendly him earlier, Thinking of this, his face remained motionless, but there was some pleasure in the depths of his eyes.
The two below glanced at each other and immediately knelt down, bowed three times solemnly and called the master.After the spell was formed, the knot seal on her hand hit the spiritual power shield in the next moment.
But Yu Liao felt that although his big apprentice was cold, he was more often concerned about the people around him.Qin Su lowered his gaze slightly, reached out to take the kitten, and looked it over carefully, then said Thank you, Master, I love gifts.
In less than an hour, Qin Su came back.He learned everything, but he didn t go through the main door.Yu Liao didn t ask much, just said lightly, let s go.
After Tan Su said this, he followed Master Yu Liao to step through the door, and the two entered the courtyard together.What s more, I started to worry about whether I might accidentally injure her.
At least it left an indelible impression on Yu Liao when she first came down the mountain.When she mentioned Su Yan er s name, Xiao Er quickly gave Rocom Weight Loss Shots Keto Complete Gummies: Comprehensive Nutritional Support up the passing seat, and gestured to the inside Yes, yes, Miss Su, she booked our best one two days ago.
Master wants to protect the critical point, so he will protect her for himself.Since variables have been generated, It s okay to have more variables.
After he said that red is gaudy, Gu Jia glanced at the red clothes on himself and Yu Liao, snapped his fan and pointed at Tan Su, but still couldn t hold back and said, Look at me and Yu Liao.We can t help you in Wugou Mountain when your spiritual power gathers to form a withered vine, but the magic technique practiced by my junior sister can help you.
Ah Su, so the scriptures you gave me in the previous life were also from your hands.Meng Kangaroo Male Enhancement: A Unique Option Penis Growth Pictures Xun glanced at him, but in the end he could only come over to his younger junior sister Yan er, and leaned against him helplessly.
Isn t it still out of the magic piano Gu Jia teleported towards Tan Su, and the fan would cut off his head if he shifted.Fair complexion.The naked exposed fragrant shoulders are much fairer than the jade bottle that is being dumped in her hand, and it is slightly pink under the master s grasping and rubbing.
But Du Heng felt that this was just a polite statement.When he walked to the door of the ward, he happened to face Gu Ping.
After reading the content of these private messages, Du Heng thought for a moment Kirsten Storms’ Weight Loss: Amazing Transformation in 2025 Did John Goodman Have Weight Loss Surgery and said, Ask them to send over the child s condition, preferably with previous cases.The weather in June was getting hotter day by day, and it was only the morning, and Du Heng felt that his body was already greasy and uncomfortable.
But after this task was carried out to each department, the departments were not very enthusiastic.But before their smiles spread, Du Heng s words made them look cold again, But this disease is severe and severe, and the child s delay in treatment delayed the pathogenesis, so that the cold and dampness penetrated deep into the blood vessels, and the prognosis was worrying.
The tax workers were promoted to overseas Chinese Cocoon between bribeworkYear LiftDoforce.At this time, the black iron stick also arrived in front of her face.
After coming out of Gao Qin s office, Du Heng once again fell into the dilemma of having nowhere to go.Let me try to remove it first. After saying that, the female doctor began to take out her tools.
They are extremely valuable. If they are exposed to the sun, their parents will want to explode.Du Heng is not that amazing, and his prescription has not achieved any miraculous achievements.
Du Heng pointed. He looked at Xiao Li next to him and said, This is Li Shuxun, a master of clinical medicine in traditional Chinese medicine.How much trust does one have in Du Heng to react like this Although he was surprised, he also followed the footsteps of several people.
Then he shook his head and refuted Li Jianwei s words for the first time, No, I don t think that s the case.After throwing away the two of them, he stood on the door of the sheepfold, You and your son are shameless.
Doctor, what s wrong with our second child Congenital heart without septum means that this child s heart cannot function like a normal heart at all.But does Lan Changhua know these two points he knows.
The title of the poem is disgusting, the shoulders are cold and sweaty, the lonely peak is stubborn, the minister is rough, the mother is lonely, abandoned, sleeping, powder, Feng Kai, smoke, pay for the diagnosis, so confused, dead, solitary, deep, thrown away, annoyed, so scared to chew the lonely bow, so Fairy.
I didn t expect that the eldest brother who graduated from junior high school could actually say the word pattern.He really didn t want to perform surgery on a patient of such age and condition.
Don t worry, Professor Lan. I ll be watching from the side.If they have objections, let them come to me. Du Heng s attitude was a little bit He was tough, and he was about to continue to be tough, but suddenly he turned his eyes and said, Let s do it this way.
A wedding dress in a big capital city was really expensive.Refuse to throw Blue Vibe Gummies for ED: Detailed Analysis Erectile Dysfunction Philadelphia away Cover the goods and watch the dead pieces Cut and grind, cover the goods, watch sincerely and study the thread The goods watch the emperor s life Research and refuse to clamp Yu Qie and move to read the final plan LuluBlanch rice.
But what s weird is that this kid turned on the TV sound very low today, and he was very quiet when he was posing.At this time, the patient and the patient s family members frowned, Doctor, what disease do we have The Truth Behind Melissa McCarthy’s Weight Loss in 2025 Banana Weight Loss Du Heng turned around and explained patiently, The initial suspicion is that it is brucellosis, an infectious disease common in sheep, cattle and other animals.
Is he fine What a joke. How can it be possible that everything is fine when it sounds like the sound of killing a pig When Du Heng saw that the policeman didn t believe it, he pointed at the man and said, If you don t believe me, try it.Seeing Zhu Minyan sweating more and more, Du Heng turned around and ordered, Go get a sanitary pad and spread it on her.
Although Du Heng was speaking seriously at this time, and was still racking his brains to search for the few words and idioms that could be remembered to praise girls, in fact, he was secretly happy in his heart.
Don t even think twice about calling yourself an old bachelor.In fifteen minutes, I arrived here, in twenty seven minutes, the district leaders arrived, in thirty minutes, the fire department arrived, and in forty five minutes, the city leaders on duty also arrived.
Wu Buwei comforted Zhu Minyan, Don t worry, our dean can cure your tumor and treat these little ones on your face.Xiao Du, do you still remember what you promised me last time Li Jianwei s words directly confused Du Heng s mind.
Responsibilities of village doctor. Second, according to the intention of the superiors meeting a year ago, within one or two years, the village medical system must be fully integrated into the health center management system.But Without the assistance of these instruments, even if Du Heng is now specialized in gynecology, he cannot directly determine whether the patient s ovaries and uterus are still fertile when the patient has not recovered from his serious illness.
But how to shave, this puzzled Du Heng. This question made his forehead hurt.This time, my mind was spinning so fast that it only took three seconds to find the source of the sound, and I quickly replied, Hello, Mr.
Now, Ma Yuanhai has difficulty breathing. If it continues, respiratory failure will not be far away.Brother Gong, has anyone reported a crime in the past few days What kind of crime has been reported It has been very clean these days.
Anyway, no matter what the disease is, it cannot be due to spleen and stomach qi deficiency.Should I let you prepare it yourself Just sit there and wait for a while.
After the woman finished speaking, she turned around and entered a nearby suite, apparently to get some liquid.
Wu Shengnan looked a little confused in his eyes, What consequences are you talking about for this kind of damage Is it like walking after missing a toe Becoming a cripple Du Heng shook his head slightly.Du Heng shouted angrily, Don t stop, you do your The Shark Tank Keto Pills Episode: A Breakdown What Salad Dressing For Keto thing and leave me alone.
At that time, Ms. Zhou had not changed much, but when we saw her again today, Lawyer Zhou, who looked like an elite strong woman, was already a pregnant woman with a slightly bulging belly.He glanced at the gray jar in Du Heng s hand, and said wiltedly, Just blow it.
Du Heng He grinned and said, I don t know how you asked the patient, but when I asked it just now, you must have heard it.But you can t just look at it. If it continues like this, it will either hurt to death directly, or it will hurt to death after everything is rotten in the stomach.
His face was blue, his lips were tightly closed, and he didn t know what was going on.But having said that, the biggest characteristic of the Quepei pulse is that patients will have cardiac arrest from time to time, so it was listed as one of the critical pulses in ancient times.
Lao Yu, Lao Yu, come and take a look. What s wrong Yu Haiting quickly stepped back and followed Du Heng s gaze.If these patients really do not refund their fees, they will eventually be assigned another expert number.
She has been sent to the ICU. Wang Shuqiu, female, 25 years old, registered in Jinzhou, a Authoritative Advice to Lose Menopause Weight Gain: Strength Training Keto Coffee Ice Cream teacher at Huajin West Road Primary School, was cut on the face by a knife and her upper lip was separated.Du and prescribe a prescription for Ms. Li Qin. Just as he said , the fixation doctor came, and Li Chengzu said quickly, Just fix two plaster splints, and apply ointment.
Think more about it when you encounter illness. Some diseases are not difficult for you.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.