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.
, las organizaciones se enfrentan a retos críticos en la gestión de sus cadenas de suministro. Andrea Brody, directora de marketing de Riskonnect, destaca que la forma en que las empresas gestionan el riesgo hoy es fundamental para adaptarse a un entorno inestable que, según muchos líderes, no se estabilizará hasta después de 2024.
La resiliencia en las cadenas de suministro no es solo una responsabilidad de los líderes del área; es un imperativo estratégico que debe abordarse a todos los niveles de la organización. Las empresas de capacitación tienen la oportunidad de liderar este cambio, proporcionando el conocimiento y las herramientas necesarias para que los líderes naveguen con éxito en un entorno empresarial cada vez más complejo. Invertir en capacitación se convertirá en un factor crítico para el éxito sostenido de las empresas en el futuro.
Los precios especiales, descuentos y promociones pueden ayudarte para que tu página web atraiga clientes que de otra forma hubieran acudido a la tienda física.
The wind carries the smell of damp earth. It s going to rain.This place is located in the northwest corner of Teito University.
Know what to say. Before he could speak. Zhou Ya then continued Okay, okay, I won t tease you anymore.Wu Xianyong and other police officers were dumbfounded.
Just now, there was another cloud among the clouds.I will answer the phone for him. Lin Beichen said hello, and Li Donghua smiled and said Good morning, classmate Lin Beichen, don t blame me for disturbing you so early.
Half of the force just now was useless How do I measure my full output
How strong is the electricity in the palm of my hand What should I find to electrocute it again Lin Beichen was thinking about it.On the way Understanding the Benefits and Risks of CBD Gummies Musk: A Comprehensive Review
back. Hao Jianhua thought of his promise to the police and waited to notify them after Lin Beichen returned to school, so he took out his mobile phone and contacted Wang Kai.
Hold your chest and pull your back, don t straighten it out.How to enhance their power At this time, he thought of something, raised his eyebrows, and immediately started experimenting.
The Lin Beichen I found should not be the one we are looking for, because
his score in the third model is ranked 592nd. Everyone Their first reaction was that there should be another person named Lin Beichen.But
Once they are mutually reinforcing each other and are connected, they Is It Illegal to Send CBD Gummies Through the Mail? - Legal Guide 2025
constitute everything in the world Isn t this the end point of strengthening Lin Beichen suddenly figured out his way to become stronger.
To describe it in four words, it was powerless I visualized again and again and failed again and again
Lin Beichen became more and more depressed. It fails every time What can we do to clear these arcs What should I do What can I do He kept asking himself.He said nothing when he saw the other person. He took the opportunity to explain Because of the special nature of the Imperial Capital, we have been secretly observing this time for more than two months.
They feel that many of the questions are even deliberately difficult.Some were wearing suits and leather shoes, and some were wearing Their clothes were in tatters, and some were dressed as if they were on vacation.
If he takes action rashly, he will only harm others and himself.If something happens in Shenzhao Kingdom
then it will be over Classmate Lin Beichen, are you sure you just go to see the scenery and take a stroll Of course.
On the other end of the phone. Wulingshan Scenic Area Conference Room.At this time, the main room is facing the hanging flower door.
Attracted everyone s attention. Under their gaze. Familiar characters, familiar scenes. Lin Beichen spread his hands, and in the next moment, two thunder balls appeared out of thin air on his palms.It only takes more than ten minutes to walk from their school to Teito Aerospace University.
Click Lin Beichen opened the door and walked in. Hao Jianhua s sad face forced a smile and said gently Classmate Lin Beichen, you come to my office quite frequently today.Gave some explanation. After hearing this, Xiao Peng breathed a sigh of relief.
She hugged Lin Beichen s arm directly, as if she was afraid that he would suddenly disappear.He was completely stunned. Could this be another possibility that I wanted to find before The video is right in front of you, and there are no clips in the video.
Today is the 13th. The number 12 is circled in red and the number 13 is circled in black.Visualize a ray of electric arc moving to the expanding position and it Discover the Benefits of Good News Hybrid CBD Gummies - Best CBD Products
will be followed by a continuous arc, just like grabbing a piece of clothing lying flat in the water and dragging it up in the middle However, the good thing is
It is indeed difficult, but it doesn t seem impossible Lin Beichen visualized the arc moving little by little toward the swelling position.
Sometimes we can rely on others. This is not shameful, and it is better than the future.Your ancestor is domineering and mighty. I am so scared.
Today, she suddenly felt like fortune was turning and everything was going well.Fang Mingyi realized that he was trapped in some kind of maze.
If you don t have a good teacher and friend to discuss when you encounter a bottleneck, you can also get some inspiration by looking at the jade slips of other people s hearts.The male cultivator didn t even raise his head, and said impatiently She is in the mountain stream to the west, not in the valley.
Then he probed deeper and saw clearly the condition of her Dantian, and Li Jiuchuan s pupils trembled.It is the part that lays the foundation of the great road.
She can also make two furnaces of alchemy at once, doubling the efficiency.With her innate understanding, as long as she works hard and has all five elements, practicing the Five Elements Returning True Skill will definitely be twice as effective as his four spiritual roots.
People from outside can t get in, and people inside can t get out.Jiangyue White Tart whipped up her whip, her clothes were hunting, and her eyebrows were smiling.
Qingnangzi is a medical practitioner, and with the ghost method, I m afraid
Senior Brother Canghuo, please go and detain Shen Huaixi while I go to the secret realm to rescue people first.An inexplicable obstacle caused the Post Malone Weight Loss: Music Stars’ Strategies for a Healthier Body
smooth and silky flow of her Qi just now to disappear.
This process was long and boring. Hundreds of beast souls passed through, and not even a trace of essence appeared.How long is it temporarily Three years, as long as you can do it within three years.
You can go out and look for it yourself. Lu Ying held back her tears and smiled, Actually, I have read many volumes of Miscellaneous Collection of Five Flavors.The secret map in the scroll was drawn by me, marking the distribution of Understanding the Benefits of CBD CBG Gummies for Overall Wellness
monsters everywhere.
I could only practice hard day and night to pass the exam as a spiritual cultivator as soon as possible.Xie Jingshan followed closely and saw a dozen strangers rushing into the medical camp and carrying several strangers covered in blood.
The Baji Sect is recruiting casual cultivators, as well as alchemists, talisman makers and formation masters.This place is really nice, but it s a pity that it only opens Understanding the Benefits and Authenticity of BioHeal CBD Gummies Dr Oz
once every fifty years, and only for nine days at a time.
Jiang Yuebai was an inner disciple, and they were just handymen.They have a large formation of flowing water. Hey, hey, hey, you can just touch it.
The spiritual energy should be collected into the Dantian, the inner wall of the Dantian should be reinforced, and preparations for foundation building should be made in advance
Jiang Yuebai suddenly realized, and his whole body was shaking with spiritual energy.The formation seal on it needed Li Jiuchuan s token from Hongyan Tower in her hand to open.
He always stuffed himself with delicious food first and snatched everything from his younger brother s hands.Under the clear sky and bright Which Weight Loss Gummies Actually Work
sun, she still felt cold and chilly all over her body.
Jiang Yuebai was no longer where he was. Ye Lianyi stepped on the wall to use his strength, flipped in the air to avoid the thorns, and scanned the surroundings with his spiritual consciousness.Ge Yuchan sat down, took out a red spiritual fruit from the storage bag, wiped it on her clothes, and took a bite.
You have no grievances, right Ruosheng raised his head and sighed, If I couldn t stop you, would you be a poor monk willing to call you here I originally wanted to stay here quietly and watch them dog bite dog, but you are alone.Jiang Yuebai picked up the ones he could use and took them Finding the Best Sleep Gummies Without Melatonin for a Restful Night's Sleep (DJqRG)
away.
We ll see how they perform later. Okay. After today s incident, Guo Zhen has completely worshiped Jiang Yuebai and obeyed his orders.Tianman Peak is not controlled by Zhenjun, and it is mainly used as Tiansin Peak to control the law enforcement hall.
Try to see if you can enter this mirror. There is Dragon Transformation Water in it, which is good for your recovery and improvement of your cultivation.Qingnangzi looked up with a pale complexion. Little girl, you really surprised me.
If I don t reach this level, I swear I will never become a demon After I formed the elixir and came out of seclusion, the wonderful voice said, when I formed the elixir, the sea of the underworld was frozen, and black snow fell from the sky non stop for three months.Ling Guanghan felt chilled and raised his eyes to glance at the Trubody ACV Keto Gummies Review – Does It Really Work?
flattened mountain peaks in the distance.
It s easy for me. Use your poison to slowly overcome your own shortcomings and strive to turn yourself into the most poisonous ivy in the world Jiang Yuebai also recently regained his consciousness and remembered that taking too much of the elixir will reduce its effectiveness.He first shined in the Tianyan How to Use CBD Gummies: A Comprehensive Guide (plKnO)
Sect s competition, so she only used it
less than three years ago. Ten years of pill formation Qing Nangzi took a breath, rubbed his fingers and frowned in thought, Originally I was very interested in Li Jiuchuan s body, but now it seems that his disciple is better, but it s a pity that he is a woman
They Where are they now Bai Lang knelt on the ground and said, They entered Leize and then lost their traces.
Yes, really As the moon sets and the sun rises, the light of the Golden Crow blooms from the east, and the vast sea of clouds is reflected in the morning glow and becomes a golden red.I have always known it, but I have let it go. He, I know the special function of Tongxin Gu, but I still silently hold a ray of life for him.
I m young and brave. Li Jiuchuan glanced at Jiang Yuebai, saw a bit of a smirk hidden in her eyes, and paused.It would definitely not be possible to fully surrender.
I want to pay homage to my parents, but I don t know where they are buried.If she wanted my life, there was no need to do this again and again.
The scorching temperature drove away all the haze and darkness.The spiritual energy is gradually drying up and entering the period of destruction.
If it were a dragon several times larger, it would probably take dozens of spells to kill him.The baby s breath is weak and its outline is blurred.
It has been almost seven or eight years since the Fengyunhui ended, and the child looks like he was six or seven years old, and the time is right.After closing the door and putting up a soundproof array, he came over and sat down.
Zhenjun Fuyi must know that Bagua Island s formation of light is hidden in the stars, and the entire island looks unchanged from the outside.He s so awesome Jiang Yuebai looked at it for a moment and felt that Feiyan Pavilion seemed to have been prepared for it.
A body of grass and leaves danced wildly, with a majestic momentum, and a green restriction bloomed above the dragon s head.Ouch The talisman light on the net brought bursts of electric current, constantly hitting and burning Aojuan s body, causing him unspeakable pain.
Luo Tingzong took out a pill and fed it He eats it.This kind of jade talisman comes from the Celestial Realm under the Southern Star Alliance.
Xie Jingshan endured the pain and took out an elixir and ate it, It s Yin Lei, Guishui Lei.No, no, no, I m not poor. I just turned my useless wealth into a useful trump card.
You re just a green dragon, don t you want to transform into a Yinglong and become the Dragon King of Heaven and Earth above all dragon clans Ouch The water snake s blood rushed to its head, and it roared with excitement, and once again summoned all its strength to rush towards the dragon gate that it had hit for two thousand years.
Snakes are nailed on seven inches, and dragons are also nailed on seven inches.Since entering the middle stage of the Golden Core, Jiang Yuebai has slacked off and is still treading water whether he is majoring in martial arts, body building techniques, sorcery or grafting techniques.
Luo Chen untied the gauze bandage on Wang Bao s left arm.Seeing this, Qin Yihan couldn t let him retreat so easily.
Luo Chen doesn t know if he can reach Long an Town before Luo Tianyu and the others, so, Luo Chen couldn t help but not be anxious.Fortunately, although Nuqi looked indifferent on the surface, he was also seriously injured, and his strength and speed were obviously Unlocking CBD Gummies Meaning: Benefits, Safety, and Expert Insights
much worse than before.
Yes Your Highness Yin Anzhi bowed to King Wei s back, and when he stood up again, there was a sneer on his face.Then, Luo Tianhe s true energy continued to rush into Ouyang Bing s body, and Ouyang Bing instantly flew backwards, spat out a mouthful Buy CBD Gummies to Aid in Smoking Cessation Efforts
of blood in the air, and fell heavily to the ground.
It s too late to talk about this Li Ge secretly curled his lips when he heard this, but Luo Tianyu was his father in law.next moment Luo Chen stood up in vain, unsheathed the thunder knife, gathered the power of the knife on his body, and swung the knife to one side.
Immediately, Luo Chen and the other three walked towards the front of the passage and began to look around to rescue everyone.Yes There was a response from inside the carriage, and then the curtain opened and an old man in blue walked out.
Then, before the strong young man could react, he quickly stabbed him in the heart and neck.Hehe Zheng Xiaoliu smiled strangely After two sounds, he raised his feet and followed him out.
Not bad Jin Tai on the side also said My sister has been busy since she came back, and she hasn t told us yet.Although with this The title of Marquis of Ningshui can bring him some salary, and many official matters will be much easier to handle.
The beggar s eyes, which were mostly covered by his hair, suddenly flashed with light.It seemed that this was Luo Hua s intention and Liu Shui s ruthlessness.
Everyone knows that apart from Zhong Xian, the only person here who can be called sir by the chief steward is the one on the carriage.Of course I m not here to grab medicine After saying that, Luo Chen ignored the old man and directly opened the door and walked in.
Hearing this, Wang Yuying knew something was wrong and hurriedly wiped her eyes.When the waiter heard this, he looked at Luo Chen gratefully with red eyes.
Looking at Ye Wuqing, Luo Chen was speechless for a while.The carriage s carriage is 25 meters long and 16 meters high and wide.
If this emotion was allowed to spread among the Iron Wolf Guards, the army would probably be ruined.What s going on Shivering in the cold wind, the warriors looked around in confusion.
When a dozen red robed warriors behind him heard this, each of them held Explore Treehouse CBD Gummies: Benefits, Science, and User Experiences
a smaller version of the God breaking Crossbow, took a few steps, stood on the edge of the small platform, and pointed it at Yin Shanyue and the others.Killed. What All dead Luo Chen was shocked when he heard this.
Snapped One sole of the foot crushed the accumulated water, causing two splashes of water to splash.Moreover, the arrow that the one eyed man thought he was sure of was actually chopped away by Luo Chen.
Finally, after seven days of sailing, the merchant ship arrived at Qincheng in Liangzhou.Thank you, Mom Ning Ling was overjoyed and immediately shouted Seventy thousand After shouting, Ning Ling turned her head and looked at her with a cold face.
Just when he was about to step forward to give Luo Chen some pain, he saw a white light stabbing towards him from the corner of his eye.Luo Tianyu ordered Wang Bao to treat the wounded, and then sat back on the carriage shaft.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.