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 ámbito cloud, en la actualidad, es el hogar de las soluciones más poderosas; muchas de ellas indispensables para poner en marcha una transformación digital.
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.
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
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How do the interviewees work on weekdays We strictly avoid any prior arrangements.These seniors of traditional Chinese medicine were no strangers to Du Heng and believed in his medical skills.
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Just looking at the old man again, he had actually reached the door of the ward.Therefore, the treatment of neuropathic toothache with bee acupuncture is completely fighting poison with poison.
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The royal family fought for the throne and killed each other.You should think about it carefully.Don t think about it.
There are some fire attribute practitioners who think they have some experience in fire attribute cultivation and want to take advantage of this opportunity to make more achievements.It is said that it was conceived in the forbidden area of the volcano, and it is a kind of ninth level spiritual fire cultivated by our own sect.
When more than a dozen monks appeared together, the aura was completely different.Shao Nan found an inn and stayed first.Generally speaking.
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Fight If even such a seemingly harmless chrysanthemum can t do anything to him, how can he talk about cultivating immortals in the future What qualifications do you have to challenge the Ten Great Immortals Xiaocao er nodded secretly, what she wanted was this effect.Shao Nan completely suppressed the two Essential Benefits Of Hot Tea 6r7x08 And Weight Loss A Comprehensive Analysis Jindan Dzogchen monks with his own strength, which made Lan Yin feel relieved.
Even for the entire sect, there are only one or two golden elixirs Dzogchen.Isn t this Alan What happened today Are you willing to come out of your room A sharp voice came from the side.
The rare fire in the sky, miss this village This store is gone, come and have a look.The shape of the flame inside, you can see the performance of the fire control geniuses inside.
To be continued.Chapter 441 Gentle Interesting, interesting I don t know what this gentle fire is testing.Yuanshen Jinmu is like a fish in water, so of Lori Greiners Keto Pills The Investment M3dr4 Turning Heads course it is showing its due power.
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The opponent originally wanted to use the short distance teleportation formation to escape from the encirclement.After confirming that no one was following him, Shao Nan restored Ai Lun s image and aura, because Shao Nan found that Ai Lun s identity was really great.
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After two years of not seeing each other, he had changed and became a little calmer.Hearing her talk about driving, Li Shaoting frowned and suddenly reminded him Where To Gqo3e Buy Semaglutide For Weight Loss Trusted Sources seriously, If you drive in the future, you don t have to answer my phone This can easily lead to accidents Isn t that the call from you I didn t answer your call because I was afraid that you would think too much Well, if I drive next time, I won t answer the phone.
He was still sucking his little thumb while he was fast asleep.Li Shaoting turned his eyes and thought about it carefully.
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Sorry, I just habitually call young and beautiful women Miss.With a clang , the fruit knife fell to the ground.
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Go to the hospital. You ll know when you get there.The handwriting was very legible, it was Li Shaoting s handwriting Mrs.
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Know his intention when he said this. Mu Xinran felt extremely sarcastic in her heart.A Qing, you seem to be bored lately Two hundred push ups or fifty laps of the castle.
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Teacher Zhen knows the president of Li Group Oh, we were in the same school before He was my senior Zhen Zhen did not shy away.Xiao Chen is cuter. A child who doesn t eat is not well behaved.
Now that I think about it, I was really hopelessly stupid back then.He remembered what he had seen with his father a few days ago.
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Por Octavio Osorio | Vicepresidente for Latin America Enterprise.