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.
Como parte de su transformación, Aeromar ha renovado su flota con aviones del fabricante franco-italiano ATR, que brindan confort, seguridad y además debido al bajo consumo de combustible, son aeronaves sustentables.
La CRE y la Coordinación General de Puertos y Marina Mercante designarán grupos de trabajo como responsables de la planeación, determinación, desarrollo y seguimiento de las acciones y compromisos que deriven del convenio.
Acompañar activa las neuronas llamadas espejo que contribuyen a que entendamos el dolor de otras personas, a tranquilizarnos y hacer que los otros se sientan comprendidos.
If Qingyang hadn t arrived in time this time, their family would have been completely ruined for the rest of their lives.If possible, it is also necessary to save them when they are in danger.
He can always play a role at critical moments, which prevents him from being overtaken by the alcoholic Queen Bee.A steward from the outer courtyard stepped forward to take the bodies away for future use.
court death. But it s different now. The five of them are connected in life and death. As long as something happens to one of them, the others will definitely not be fine.Just looking at the wall in front of them, everyone couldn t help but be dumbfounded because there was no way out ahead.
After five rounds, all the disciples on the seventh and eighth levels of Qi Hercules Gummies D9 | KULA CBD [e4gytK34UAs] - Digital Writing Refining have been eliminated.He will not hesitate to pay some price. Anyway, he is not short of spiritual stones.
Who knew that the monster outside was powerful, facing the sixth level piebald snake whose strength was equivalent to that of a late stage foundation building monk The green snake was not afraid at all and launched an attack casually.No wonder the Seven Immortal Sects only organized Foundation Establishment monks and Golden Core monks to come in.
With this transaction, In the future, no one will be concerned about your remaining Foundation Establishment Pill.If there was a chance, he really wouldn t mind. By this time, everyone could tell that something was wrong, because the female disciple of the Yin Yang Sect acted too obviously, attracting everyone s attention.
You insist on a first come, first served basis. I came earlier than you.The two sides are evenly matched, and neither of them has the ability to kill with one blow, so they can only use halberd techniques and sword formations to attack each other.
In the situation just now, Qingyang was too busy to take care of himself and had no chance to use his spiritual thoughts to take back the blue wave sword.Not to mention a monk at the eighth level of Qi refining, even a build Even if Brother Ji encounters an attack of this level, he will be frightened.
The head of the Natian family did not doubt Qingyang s words.Seeing this, Fuliu Ghost King s expression suddenly changed, and he no longer cared about it.
How could there be so few people who want to visit her Qingyang came all the way to the door and saw the gatekeeper.Meigui King s Baimei City is very big, but compared with this one, I don t know how big it is.
Big, but the damage caused is not serious. A battle of this magnitude would definitely affect the Pregnancy Fruit nearby, but before that, the giant Ghost King and others had already placed a simple protective barrier outside the Pregnancy Fruit tree.In fact, he had reached it half a year ago. However, to be on the safe side, Qingyang did not stop cultivating, but continued to absorb spiritual power from the outside.
The formation surrounded Zhenren Guihe in the middle.The Happy Ghost King said That s of course. On this trip to Shenying Valley, we did some losing business, and we finally got a harvest.
88106 That secret place is also in a mountain range in Xiping Mansion.It has been more than a hundred years. He knew everything about Qingfeng Hall and knew most of the foundation building monks.
But sometimes things are so strange. Everyone is looking forward to Qingyang being eliminated from the Hundred Ghosts Map, but Qingyang seems to have been given a shot of chicken blood.However, the Alcoholic Queen Bee has already transformed into a spirit.
Life, not to mention gaining it in Crouching Tiger City, would actually cost a Nascent Soul cultivator.They have poor qualifications and slow cultivation speed.
You actually want me to take the lead, even if you are turning against the guest.Also, among their group of forty five monks, there are more than a dozen Guang Yuanying monks, and among them are nine palace masters of the Ten Kings Palace.
True Lord Hongguang directly ducked into the middle of the ring.Qingyang thought the same thing before, but after experiencing what happened in Wulongtan in Chujiang City last time, and after listening to what the 🇬🇧 UK CANNABIS, KNIGHTSBRIDGE OG…. REVIEW [oJnq9vcNhpv] - Digital Writing ancestor of the Zhou family said about the five elements of the Nascent Soul, he knew that the more spiritual roots, the more conducive to the formation of a baby, and the innate possession of Qingyang, who has the spiritual roots of the Five Elements, can easily become a Nascent Soul, so the conditions of Baimei Ghost King are not very attractive Diet Pills Really Work With Proper Diet and Exercise.wmv [eWf1mpzPnNb] - Digital Writing to him.
They opened a hole and ran out in the blink of an eye.This time, it was also thanks to little brother Qingyang, If he hadn t helped, our Tian family wouldn t have gained much, and it s hard to say whether we could come back Hearing that Qingyang was just a monk from outside, Ji Zhenglin suddenly had a wrong idea.
If those are included, it will be even more amazing.If not, it would be a good idea to form a good relationship
Looking at the cultivation level of Lord Shi Fu, and then thinking about the strength of the entire Ling Fu Sect, Lord Yao Yue immediately gave up the idea.
They have offended the Blood Demon Sect and have no place in the Nine Provinces Continent.It seems that Qingyang s Alchemy skills are superior even among the Alchemy Emperors.
The two sides were in a stalemate for a while. However, the water ghost kappa had other methods at his disposal.For the higher foundation building stage and golden elixir stage He had never dared to think about it, but the result far exceeded his expectations.
This time, only a few dozen Huangchen Earth Spiders were killed.
Zong felt that Wan Qingming s methods would not be launched nearby.Long Yun naturally saw this and took action immediately.
It is also the ultimate limit for the world of Ziwei.How many they can become depends on their luck. As for the remaining more than a thousand people, although they have never passed the big test, their merit, Taoist mind, and even longevity have all been greatly improved after one practice.
The conversation between the two of them eliminated a lot of the tension in the previous fight the other half of the reason was also because the fighting styles of these four swords were completely different from before.If he wants to start from the beginning to the end, it will be impossible.
But at this The Whileaways - Wake Up Sleepy Head [yz4RrrajXLq] - Digital Writing time, Hamishan could not sit still. If Xu Muyin dominated Zhu Luhai back then, Hami Mountain would still have to struggle with whether to prevent it from getting bigger or continue to use it to contain Baoheng Kingdom.Although this person has a strong appearance and a strong figure, he seems to be far away from the person he was in the past but the iconic, faintly red nose still clearly reveals this person s identity Xin Weiying.
In the past battles, although Mr. Li and Xi Zhenzi did not defeat the direct descendants of the Yin Sect, their combat power, potential, and speed of progress were still impressive.With such a level headed attitude, there is no need to see his face clearly.
But when fighting together, if you can t calm down and always harbor a sense of injustice, it may also be a hidden worry.Such cases are getting out of hand. Over the past nine years, a total of thirty five incidents have occurred.
Then in the Fat Adapted Athlete - Episode 1: Ketogenic Diet Adaptation Day 17 [TVbpt3SWKM2] - Digital Writing judgment of this method, it will be thought that the person who inherits the method has returned to normal using other methods and will not continue to activate.If Long Yun really comes here and tries it a few times, he will immediately have a more realistic understanding of the inner and outer spaces of the Ziwei world and the location of the Dragon Realm.
Even if he doesn t want to be known, he can walk openly and openly in the Yue Heng Sect after changing his appearance, and there is absolutely no danger.However, the reality is that something went wrong Taoist Master Xuanmu s eyes moved and he looked at Hanzhen and Mingjun respectively.
But like today s Dongfang Wanqing, there was no conscious accumulation in the past, and it was instantly The best Keto friendly White Gummy Bear Smoothie [kKbgYlLdIrx] - Digital Writing established and used immediately under the influence of the weather.But in the fourth realm, the Tianyuan realm, the lifespan is only more than four hundred years.
The whole person felt as if he had been hit by a meteorite that was flying rapidly, and his energy enhanced body was almost shattered.She was the one who was most shocked when she The BEST Snack for Losing Fat [0nzx9YHMTFA] - Digital Writing heard Harrov talk about Linn s single handed attempt to stop the Holy See s crusade.
Yes, in fact, it is the custom of our world to put crows in cages The black crow rolled its eyes in a very humane manner.This means that the transmission of waves must have a medium, whether it is sound waves or water waves, but light is different, it can transmit in a vacuum of nothing.
The price was not too expensive, about ten to fifteen silver coins.explained, then shook his head. But other places are not much better I heard that this place was once a star of life, but it is almost at the end of its life Even planets will come to an end Hill s face showed a little surprise.
After all, what they are best at is playing both sides and grabbing benefits.What power is this Lucia still retains a little consciousness.
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Ivina secretly guessed in her heart, but the next second she heard Del explain.This was somewhat similar to his deflection field, which would guide the attack in other directions.
After that, whether she joined the God s Punishment Army or entered the City of Fire Oil as an undercover agent, she never gave up her plan to find Lot.Vittorio said suddenly from the side. Linn immediately looked over with interest.
With your own strength, even if you use all kinds of means, it is impossible to pose a substantial threat to a god Only gods can defeat gods, and only gods can defeat gods.Linn himself and several speakers had quietly moved to the underground of the Duke s manor.
A large number of talented wizards have become mad and irrational evil gods, Wake up sleepy head original [vCf82E8FySL] - Digital Writing and the only solution is the relic of the Moon God, a godhead
Linn controlled Isaac Newton to talk about the history of that period.When Raphael and others stepped off the airship, they saw armored convoys standing on both sides, soldiers in neat formations, and ferocious cannon muzzles.
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No, Linn quickly overturned this conclusion. Judging from the distance, the position of the Sky Tower should have never changed It was there from beginning to end.Lin En was thinking about it, but Bud didn t stop. He knew very well that this was his only chance to put aside his identity as a remnant of the church, so he racked his brains to think of any useful information, such as the time and space door that had been opened for a long time.
What a pity
Seeing the rotating space time door completely closed, Aurora couldn t help but sigh.Now they were not only able to create space time nodes, but also achieved a comprehensive surpass in speed, so much so that Raphael had a feeling in his heart that the other party was nothing more than this.
Even in the city of kerosene, the council has to keep releasing false news to explain to the outside world.Harrov sighed secretly, but did not show his worry on his face.
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Nowadays, most of the God s Punishment Army are still fighting those evil spirits in foreign lands.Anyway, let s seal this space time gate first Vittorio put his hands together and made several complicated hand seals, and runic chains shot out from the surrounding area and surrounded the space time nodes.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.