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 interacción social entre astronautas y sistemas de asistencia equipados con IE podrían tener un papel destacado en el éxito de las misiones de larga duración.
If Linn s eyesight and concentration were not good enough, If you focus enough, you might not notice it at all.After all, there was more than one time and space gate, and How to Incorporate Gemini Keto Gummies into Your Routine Cecil did not put all his hopes here.
From a distance, the walls of the Holy City are thirty meters high, covering an area of more than one hundred square kilometers.Now it can be said The Ingredients of Diet Gummies that they are facing two wars at the same time
Whether to solve the troubles in foreign lands first and fight the gods of the main world or to prepare for the possible interstellar war first is undoubtedly a question that needs to be carefully considered.
It s so hard Lydia exclaimed the same emotion as Linn.The wizards who were hiding within the boundaries of the royal capital were extremely nervous.
The day when the energy of the crystal ball is full.What limits its entry into every household is not the high price, but the production that has been repeatedly increased but cannot meet the demand Glenn has recently been thinking about how to continue to increase production and further reduce its selling price.
The price skyrocketed under this majestic power of life
In just a few breaths, the entire space was already glowing with vitality.When Raphael came to his senses, he had already appeared on the other side of the time and space gate.
The other party s spiritual level was higher than his, and he couldn t bear the power of any great wizard.Domain, even the blazing eternal flames were temporarily suppressed.
Hundreds of thousands of Balrogs began to pour in crazily.However, this time it took them a full three seconds to completely leave the airspace.
For example, sound is a kind of mechanical wave It propagates at a speed of 340 meters per Reviews of Popular Keto Gummy Bear Products second under normal temperature and atmospheric pressure.He was even more impressed by the explanation of the tidal phenomenon in the paper.
Students can not Benefits of G6 KetoACV Gummies only earn back their tuition fees, but also make money to support their families.The Nourish Keto Gummies: A Comparison gray white mist surged crazily, apparently irritated, and instantly transformed into the shadow of the Lord of the Undead.
Why is there only this little There shouldn t be that much food shortage in the empire, right Vittorio couldn t help but frowned.Then what appeared in front of everyone was a huge, ferocious dragon head.
Tik s face also changed suddenly, and his voice was deliberately lowered.Although the descending gods also cooperate with each other to some extent, and occasionally help each other block enemy attacks, they basically still fight their own way.
He finally knew where the cone of light that penetrated How Do Proton Keto + ACV Gummies Work? the heaven and earth came from some time ago, and also understood what kind of spell the Lord s incarnation died under.Harrov was pleasantly surprised Benefits of Vibez Keto Gummies when he saw Lin En walking away from the fusion furnace.
One shot can be said to open mountains and destroy forests.Now it was Aurora who told the whole story in person.
When he fought with Edwell in the royal capital, he noticed that this thing was very strange.Is this the monster we are going to capture this time Hill said excitedly as he stared at the three headed monster in the album.
Only the extraterritorial evil gods and strange demons outside the time and space gate are the real enemies of the Holy See
So this time after learning that the wizards had captured the kingdom, the empire sent two crusaders in succession, attacking from both sides.You re so courageous, you can catch up with me Reviewing the Top Menopause Weight Loss Pills all by yourself Lin En was also a little surprised.
As we all know, the substances that make up an atom are the nucleus and electrons outside the nucleus.In fact, they have made extensive use of this power in weapons.
He has brown hair and is probably shorter than you.The difficulty was different. If he wasn t careful, he would end up in a state of dismemberment
But we have already reached this point, and it is obviously too late to regret, fear, and retreat again.
Some inexplicable means were used to make the computing power break through the limit of this realm.End of Chapter Master Lin En, since these two new elements are so dangerous, why didn t you tell them before Sanchez couldn t help asking, with a little complaint in his tone.
Most people simply do not believe that the wizards who are promoted by the church as doomsday and spreaders of evil god believers have such good intentions, so they are extremely resistant to the so called agricultural reform plan.The last words of the soul spoken by the other party resounded in Lin En s mind, making him quite concerned, so for a while he was not sure whether the other party really died under his anti matter cannon.
The theoretical dispute between light particles and waves has been going on for several months, and this is not just a simple theoretical dispute.It doesn t matter, these messages are not just for those fanatical believers Lin En shrugged, not paying too much attention.
The bottom is as weak as paper. A God s Punishment Knight in the front row couldn t even see clearly how the stream of light flew towards him, and his whole body and the mount beneath him were beaten into a ball of blood mist and debris
Such a scene happened on the battlefield. Everywhere, there was no pain or Potential Risks and Considerations When Using ACV Soaks howling, because everything happened too fast.
Space Barrier Immortal Barrier The boundless river of starlight was weakened layer by layer under the obstruction of force field magic, and then collided head on with the rising eternal fire, erupting with a deafening loud noise The starlight intertwined with the fire, and the heat wave set off caused the airship a hundred meters away to shake violently.
Then do you know how plants convert various elements into nutrients that can be absorbed by us Alok and Lydia were speechless.
The large funds are actually handed over to Qunxing, and Fang Hong will naturally attend the meeting.The other party. After playing for half a month, the machine I bought for 6,298 yuan was resold for 20,000 yuan, and I paid off the installment loan in advance at once, making a net profit of about 13,000 yuan.
After visiting for a Managing Stress: How Mental Wellness Supports Physical Health while, the school staff took people from Stars Capital to the next experimental project to visit and introduced This is pipeline cultivation, a method of soilless cultivation.It is foreseeable that at Apple s autumn conference in September this year, the new generation iPhone series products will not be able to compare with the third generation products of Xingyu Technology.
Those who see others short term and poor are eating big meat, and the blue chip stocks they stick to have been losing money and falling.Every area in Xia Ke Xing is better than One generation is bigger.
You are really awesome No Is it possible that Yixing Video will move to the fourth section of the main Shenglang Crazy The previous two adjustments were cut in half and dropped by more than 40 points.Many people began to talk about the decline in marriage rates this year, but what I noticed is that few people mentioned the real reasons Top 5 Ingredients to Mix with Apple Cider Vinegar for Weight Loss in 2025 that led to this situation.
we then go back to buy the bottom, sharing the collection of stars is a rare gluttonous feast, enough for us to eat alone.He couldn t help but said The environment of this ecological tank is very rich.
Will Hua Yu turn his sickle on them with his backhand The big guys in the industry who learned the VI. Real-Life Success Stories and Testimonials news couldn t figure out why Stellar Capital would take action against Merrill Lynch.Moreover, we created and guided the public opinion among the local people, leading them to firmly believe that Wall said that Ziheng Group was a victim, and Xiaojia s assets shrank and were starved of.
It really proves Murphy s law, whatever you fear will come to you.If you don t get it the second time, you should be able to get it next time.
The power consumption of the Tianhe 1 supercomputer can reach 4.The most important thing is that everyone knows that he has this strength.
Fang Hong remained silent, he understood what Qiu Guangcheng wanted to express.80 at 2382. At 79 o clock, Bald Yang emerged, and the closing price was the highest price of the day.
40. 656. 22, a sharp increase of 3. 80. The total transaction volume of the two cities was 204 billion yuan.Therefore, Xingyu Technology must give a high valuation and cannot have too much room for premium in the secondary market
Ps Ask for a double monthly pass for the new book Rise Starts with Finance.
You can do it today. If you don t know how to choose stocks, just buy the index directly.Its liquidity is limited, but there are too many places to spend money.
In terms of individual stocks, Kunpeng Technology was affected by the opening ceremony of WCG2014 yesterday.This year has arrived, 2012, and America has realized that she has ignored the eastern power for too long over the years.
The days when no one cared when walking on the street will no longer exist.This matter should not be overly publicized at the moment.
The market showed a general rise. The large financial and securities sectors helped the index rise because this news was good for securities companies.The surprise is absolutely shocking, and the 3. 3 trillion that Qunxing Capital can share is slightly beyond Shi Jing s expectations.
They once doubted their life. The blue chip stocks in their hands fell to nothing, and the monster stocks there rose to more than thirty times the insane rate.But at this moment, Fang Hong said slowly and leisurely If we have to push hard, if we can t get on the Yangshi Sports Channel, there should be no problem with Xincheng TV.
It is worth mentioning that the A share market was very volatile today.In addition to finding real wealthy sellers, another way to sell quickly is to let other young sellers Greedy scalpers take over.
But, there is no order Why are there no orders Because those hospitals do not purchase your equipment, it will be difficult for domestic equipment to be used.I should have been in Australia at that time. You have no way to contact me directly.
I also have a deep understanding of the mood of ups and downs.There is still a gap of five generations between the highest end process of domestic semiconductors and the highest end process of world semiconductors.
Another is that the technical difficulty of the camera is relatively easier to overcome than the chip processor.Trading was suspended for one hour and trading resumed at 10 31.
His wealth is an order of magnitude smaller than that of the previous richest man in the country.However, fiscal revenue has been growing rapidly, Q8: How do I stay motivated for long-term fitness goals? and its dependence on land sales has continued to decline.
Although ordinary consumption can be restored, if the consumption exceeds a certain limit, his foundation will be compromised.The mountain gate formation here has been scanned many Benefits of Regal Keto times by ibz15.
Even with the forcible stabilization of the weapon spirit, another volcano at the core erupted.At first, the What Are OLLY Metabolism Gummy Rings? yin and cold energy was increasing and decreasing, but when it walked in front of the jade compass, the yin and cold energy had stabilized.
Li Shiming even suspected that Gu Jia was very likely to protect him even if he used his spiritual power.You Li Yuanba smiled and shook his head. It s a high level elixir Zhuo Xuan also used her spiritual consciousness to check the elixir in the jade bottle and couldn t help but exclaimed.
While he was thinking about it, he suddenly felt that the surrounding space was surrounded by electric light.Ever since he saw the sword intent in the sword intent monument, he only thought about that sword intent, and perhaps only that sword intent was the strongest sword intent.
During the process, it was also affected by the gravity field, and the attack speed was slowed down a bit, allowing the golden corpse to dodge calmly in the mid term.After he was promoted to the 5. Are there any specific diet plans I should consider? middle stage of Nascent Soul, Semaglutide for weight loss in non diabetics he still went into seclusion for a short period of time to accumulate some spiritual power for himself.
In addition, the great monks also heard that Li Yuanba killed a late fourth level hell creature alone in the hell cave.This has nothing to do with the ability to reshape himself, but the gap in face design.
They are here to kill the sect s fighting force Li Shiming said when he saw Kang Yuan.He stopped when he saw no effect. Li Yuanba saw the leader of the three evil men of the Ping clan wandering near the Five Elements Killing Formation , and the smile on his face became even thicker.
The soul piercing needle is a high grade magic weapon that directly hits the soul.A monk can do it. Wang He, the great monk of Yuqing Sect, can also use some secret techniques to release some Thunder Cloud Techniques at the same time, but the lead time is very long and the requirements are very high.
With the sky high price that this kind of fourth grade spiritual tea is being fetched now, the fourth grade spiritual tea Scientific Perspective on Efficacy in this jade box is enough to shock any great monk.In the soul crystal ring, there are three Jade Qingzong life saving jade talismans, a fourth grade high level lightning Potential Side Effects and Precautions flying boat, and a large number of fourth grade spiritual tea and fourth grade spiritual fruits.
A super powerful monk who doesn t have any life saving means on his body.Since Li Yuanba s Innate Yimu magical power has been strengthened and has a strong healing effect on the great monks, although many mid stage Nascent Soul monks were lost in this large scale mission, the great monks have not yet fallen.
Regarding the internal situation of Qianren Sect, the records in the jade slips are also very clear.After flying for a certain distance, he came to a group of buildings.
When he thought about it, Brother Ren Mu was very close to the Zhongzhou Commercial Bank branch.Now all the swordsmen who see Li Yuanba use the title Master.
He only saw Xiaofeng, the red gold phoenix. In fact, it was extremely unexpected that a red gold phoenix with pure bloodline could appear.This is the hypnotic effect emitted by ibz15. Through Li Shiming s screams, the desire in Baili Jinyan s heart was amplified to the limit.
Unlike Li Shiming himself, if he trades a large amount of Mid Year Nascent Soul resources, he will be noticed by other monks and cause unnecessary trouble.Lao Jian, I still have some here, take it back first Li Yuanba was not stingy, and Lao Jian helped him a lot.
They both sent a letter of surrender to Brother Hu of the Ten Thousand Beasts Sect, and at the same time were willing to pay war compensation that satisfied the Ten Thousand Beasts Sect.That s why Li Shiming used the Heaven Art to arrange a Chaos Spiritual Power defensive shield for himself, but it was ignored.
However, due to Li Yuanba s subsequent loss, another great monk from the Qianren Sect was transferred out.The physical body of the great monk Shi Dong was hit by the remaining power of the flame sword, and he flew out involuntarily.
The two great monks took consecutive shots to stabilize the defense line.His words were not just a reply to the fellow monk, but also a reply to Li Shiming.
Those who arrive here are all monks from the Ten Thousand Beasts Sect, and his actions have Keto F1: A Game-Changer in the World of Keto Supplements been reported to the Ten Thousand Beasts Sect.However, the horse headed creatures in the late fourth level hell know very well that if they are really hit by the Evil Breaking Sword Intent , the damage caused will definitely be more serious than the Buddha s Light.
In fact, this change has been subtle since the middle stage of Li Shiming s promotion to Jindan.Tortured for a thousand years Great How to Incorporate Impact Keto Gummies Into Your Routine Monk Chang Ju shouted with a flash of madness in his eyes.
Li Shiming didn t just stand there and stop attacking.There is no other way, but the sword cultivators in Sword Intent Chongxiao Pavilion can always find sword cultivators he is familiar with and entrust the alchemy to him.
She and Yin Shilan lived in different places, but the two sisters met often.It may be a little troublesome for you to use it. Besides, your flying boat is better than mine, so don t change it Li Shiming persuaded softly
Little brother, you didn t even get a gift for my birthday last year, and this year s birthday is coming soon Ren Feier said as she looked at Li Shiming with tears still in her eyes.
The main reason was that he did not dare to get too close to the room where the six fingered sound demon was.Shiming, sit down Elder Yin waved his hand. Li Shiming Benefits of Semaglutide for Weight Reduction sat opposite Elder Yin with a very respectful attitude.
Mr. Wang has rich experience in hiding things. If Li Shiming hadn t used a large server to calculate and compare and only used his eyes to check, Li Shiming would never have been able to find it.Junior Brother Li, Qianlong Chamber of Commerce is not like Yun s Trading Company.
He dug out the spiritual soil with his hands without any image at all and put it into the storage bag.Siqin knew about the young master s cultivation of immortality.
Li Shiming s face collapsed. He had too many practice projects, which took up a lot of his time.Even those who had never heard of the reputation of Buddha Jueyuan were shocked by this contribution.
Fortunately, electricity is readily available, and you only need to connect it to light up the LED cold light.She was a little surprised by the weirdness of Li Shiming s formation Star Light Sea.
The contents of the three spells Spring Breeze Transforms into Rain , Gengjin Jue and Tulu Ling Jue were flowing in his mind, and he simulated the process of releasing the spells countless times in his mind.This information is all publicly available information.
This kind of surgery is extremely dangerous. It was used a lot in the early days of medical development, and there is a lot of surgical data.After walking out of the cave, he looked at the mountains full of spiritual fields and spiritual Ballaststoffreiche Lebensmittel für ein langanhaltendes Sättigungsgefühl fruit trees.
Master, I am a disciple of Tianhaizong and have no intention of turning to Buddhism Li Shiming quickly Limitations and Critiques of the Study refused.Li Shiming had Best Gummies for ED sent supplies many times before, but Li Shiming never let him enter the island.
Putting the space ring into the computer room, his spiritual mind scanned the body of the six fingered sound demon.On the stone table in the courtyard, there are several kinds of spiritual fruits and a pot of spiritual tea.
He didn t have time to check the things on the Xuanming Sect s Qi Refining monks, so he put them away first.Remember, the skills in the jade slips will be automatically cleared after one month.
Within the computer room space, he has micron level control.He had already experienced this, and he continued to practice the Secret Book of Sword Demons.
Who knows how old beauties in the world of immortality are, especially beauties in the foundation building stage, who may be from thirty to one hundred years old.This is based on the fact that the opponents are all casual cultivators, and the sect monks all have certain defense capabilities against sonic attacks.
That was the weird energy carried by the broken jade sword in the attack, which was affecting his mental imprint inside the super grade sword type magic weapon.He chose a relatively remote road, and it was already seven o clock in the morning when he returned home.
At least the monks in the Qi refining stage could not leave before the battle was over.Given his status, it is absolutely right to call anyone with the official disciple mark on their clothes in the sect senior brother.
This bracelet is also the only item that can be left behind.He took Prioritizing Health Over Appearance out the nameplate of the cave, which marked the location of the cave.
Sword Intent has many forms. The destructive effect on the spiritual How long does it take to see results with fasting for weight loss? imprint in the magic weapon is a general effect of Sword Intent.Plus, after frying, he can produce three cans, which is already a high productivity.
This is the way of survival for many casual cultivators, robbing resources for their own use.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.