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.
Los consumidores en línea alrededor del mundo están comprando en mercados digitales y minoristas internacionales, y dependen más de dispositivos digitales con opciones de entrega alternativas.
Es necesario integrar las estrategias de atención sin importar si la interacción con el usuario se produce a través de un chat, llamada telefónica o en redes sociales.
At this time, the rope around Wang Shiyuan s waist was still not untied.Fortunately, everyone has been busy these days, and there is no such thing as visiting each other for dinner.
The mother and son are safe. They were taken back by the First City Hospital.If the problem is discovered in time, we can solve it in time so as not to leave any sequelae.
Du Heng was a little dazed. This was the first time he had heard of this news.Lie flat, don t move, I m going to cook the medicine.
This is what Du Heng is thinking now. Wang Shuqiu wanted to chat for a while, but the ringtone of the phone that Du Heng remembered made her stop.What are the disciples of Gaoliang They are wealthy people who are accustomed to Nova Optimal Keto ACV Gummies Reviews: Optimal Results, Optimal Health a life of luxury and enjoyment.
The woman in the apron said, Shiyuan is not here, so he took his wife to the fields in the morning.The two women who were quarreling saw that Du Heng s face changed, and there were no other people rushing up behind him.
The pain was one aspect, the main reason was that I almost died on the spot.I suspected that he had sucked the blood he swallowed into his lungs when he had a nosebleed.
When Du Heng and the others entered, they happened to see the intern cleaning the computer keyboard.say. What were you doing this morning Why are you back now I went out to deliver goods with my boss this morning.
Thank you doctor. The woman said Billy Gardell’s Transformation with Keto Gummies words of thanks, but she held her son tightly with her hand.Brother Heng, there s really no need. I don t feel anything else right now.
There is no need to get it now. Seeing Du Heng frowning, still a little reluctant to accept it, Lu Zhongjiang continued, This department is not completely useless.Old Du, have you ever thought about the consequences if the treatment cannot be cured Have you ever thought about the consequences of Wang Shiyuan s collapse.
If you need anything, just tell me. Thank you, Professor Li, I m sorry for your trouble.As he said that, Xue Yiwen suddenly took a breath and smiled slightly, Of course, I am also a little selfish.
Du Heng s face twitched. Did he seek medical treatment in a hurry Or did he say that stopping the bleeding the day before yesterday gave him confidence Probably the first one.After Lu Zhongjiang heard this, he became silent for a while.
If there were no accidents, then Liao Quansheng should have known.
He is the dean, but he doesn t know everything, especially when it comes to certain details.Even if the time is too long, it will cause some irreversible damage.
There is only one for each age group.
There is no training value in sending a resident doctor, and he may not be able to keep up with Du Heng s Male Sex Enhancement Pills: Benefits and Risks pace.I just did a premarital examination at your hospital half a year ago.
Look at this passage Every master of traditional Chinese medicine is a treasure in the traditional Chinese medicine industry.Are you out of work today Du Heng threw the bag in his hand on the sofa, walked into the kitchen, and Best Weight Loss Pills for Men Review: Tailoring Solutions for Male Dieters gently hugged Wu Shengnan from behind.
Du Heng also trembled in his heart, and he quickly straightened his body and wanted to thank Zhang Dewen.The purpose of giving this thing to Wu Buwei was to establish more prestige for him and to improve his abilities.
In order to make some money for the family, my husband will go to the countryside in the past few years.Causes the symptoms of stroke and medical books say that the heart should not be heated, as heating will cause convulsion, which is the reason why Director Jia has frequent convulsions now.
Finally, he poured cold water over the head of Du Jun s wife who was crying and Keto Fat Gummies: Target Fat with Ketogenic Power laughing, Dr. Oz Discusses ED Gummies: Fact vs Fiction and then poured the blood of a big rooster down.Have you started taking action Are you looking for patients from other hospitals It seems that Brother Guan s uncle also wants to save face.
Wang Zhenzhen also retained some sense. She knew that the situation here was not right and did not dare to cry too wildly.One of my own Why are you so polite He glanced back at the elevator that The Pros and Cons of Lean Start Keto Pills for Weight Loss: Is It Worth Trying? was about to arrive, and said, By the way, where are the father and daughter waiting for me Oh, downstairs in the outpatient hall.
Du Heng stopped and stood up, If I want to go to work , you d better wait another three to five days to recover.Why did you buy so many Du Heng also picked out the peaches and handed them to the eldest sister and said, I Whitney Thore’s Weight Journey: 5 Truths About Body Positivity & Health ll give them to my sister in law.
Even now, Feng Su s social account will push things about Du Heng every few days when the short video account is updated, she will also like and forward it.Fortunately, there were not many patients, What to Expect from Little Blue Gummies for ED: A User Guide only a dozen or so, so I read them quickly.
You don t even dare to smell it. Du Heng laughed softly, You didn t drink The Allure of Natural Weight Loss Pills: Herbal Solutions Examined less when you were young, right The man smiled bitterly, When you were in your twenties, you didn t drink too much.The reduction of this part of the bone will inevitably make this part The original muscles and skin have become loose and inelastic due to lack of support.
He turned to look at the director and then at Dr. Zheng, The adults do not remember the faults of the villains.No. Does your great grandson keep it That happened in the Year of the Monkey.
Although it was a bit anticlimactic in the end, it made Dean Du s reputation spread far and wide, and his reputation increased greatly.Du Heng and I F1 Keto: A Game-Changer on Shark Tank Carry out treatment at the same time and use each other as a reference.
Moreover, the patient is a woman, and Guizhi Fuling Decoction targets gynecological diseases, so combining the two methods is a foolproof strategy.After all this time, how could he resist looking at and appreciating these things Wu Shengnan was also a little discouraged.
You can use it with confidence. Jin Zan patted his bald head again, How could I forget this matter You have forgotten enough things today.but why are you a physician Du Heng asked a little confused.
Dr. Zhou chuckled and said, What they want is money, but Not the face.after all, the core of Western medicine is visible and tangible, while our core is relatively abstract, and it is normal to have misunderstandings.
Although Du Heng knew that this kind of thinking was wrong, it was really his true feelings.Li Qin thought for a moment, Okay, I ll go and talk to Director Jia, and if there s nothing else to do in the afternoon, I ll take you back.
Everyone in the conference room looked at Wang Laowen with interest, and everyone was watching the excitement and not taking it too seriously.Fire If nourished with water, the Dragon Thunder Fire will stay safely in the kidneys and will no longer rise to cause headaches.
It is reasonable for Li Jianwei to deal with him. Sigh, but the school is interesting enough.And Zhang Dewen was so angry at Du Heng s tough appearance.
I Still willing to contribute. These high sounding words made Director Ding smile, and once again expressed his appreciation for Du Heng, I am very happy to know Xiao Du like this.There are more people and things than you, right But look, do they need me when I ve been out for about ten days No, they can do whatever they need to do without me, and they do better and are happier than before.
Gong Daoyang watched Du Heng talk a lot. Although he thought there was something wrong with what he said, he couldn t find the problem for the time being.
One is honeysuckle. This honeysuckle not only cleanses toxins, but is also a yin nourishing medicine, which is very useful for fire toxic carbuncles.Our donkey has never felt comfortable drinking happily.
Since Du Heng told the Unlocking Weight Loss in 2025: Biolife Keto Gummies Reviews from USA’s Top Athletes reason for the eldest couple last time, they finally knew that the eldest couple s failure to have children was not the daughter in law s problem, but their own son s problem.Du Ping glanced at Du Heng and didn t say anything like trusting you.
Why are you taking medicine Du Xueting was a bit reluctant to talk to Du Heng.Wang Shuqiu took her cell phone and asked again, her voice full of doubts, Tell me quickly, why did you borrow the K3 Mineral Gummies: The Essential Supplement for Keto Dieters money If you need it urgently, I have some more.
Everyone was unfamiliar with them, and judging from the appearance of the captain, they did not actually FitSpresso Weight Loss: 6 Real Results & Reviews welcome Du Heng s arrival.This is no joke. You are just deceiving those who are not well educated.
Over time, the poison turns into a tangible symptom, and this tangible symptom should be the tumor in the lesser curvature of the stomach.Are you planning to change your career and become a chef instead of a doctor Looking at Du Heng With an intoxicated look on his face, Wang Shizhen showed a proud expression on his face.
Buwei, please watch carefully and don t let him move around and drop the needle.Yu Haiting did not answer, but looked at Du Heng. When Du Heng saw this, he said, Since we are all here, let s get started.
Here, Yu Haiting was even more excited. Such test results actually showed that Yang Yuansheng s recovery was quite good.Over the past few days, villagers who came to get medicine said that some village doctors actually recommended some health products to their patients, and some even used health products directly to replace medicines.
But the prescriptions prescribed by Chinese medicine are interesting.Mom, please stay back. My sister in law needs to take medicine.
Looking at her childish face, I guess she might be eleven or twelve years old, but the girl is very fat, Gemini Keto Gummies Available on Amazon: A Twin Approach to Weight Loss about the same width as an adult male, and about one and a half meters tall.Only he is the last one. Li Jianwei handed the things to Du F1 Keto Gummies: Benefits and Where to Buy Heng, and after watching Du Heng put them on, he said, I arranged for Xiao Sun and Xiao Wang to accompany you there, and asked them to give you a start, write down a case report, call a number, etc.
A simple gastritis turned into stomach cancer, so I don t believe you.Du Heng feels uncomfortable. He is now like a rat in a bellows, suffering from both ends.
Du Heng spoke in a very serious manner, not daring to show a smile, for fear that Ms.Aunt Wang, you are in good health and there is nothing wrong with you.
Du Heng chuckled, but Du Xueting scooped out the rice for him and put her Dad s bowl was handed over, Go scoop some rice for your dad.The old man took over, It doesn t matter if it exceeds the standard.
Now go and prepare the medicine. Don t leave immediately after the patient takes it.The doctor said that too many miscarriages are harmful to the body.
Come on, go into the house. I ll write you a recipe and explain something to you two.
When the two returned home, Wang Shuqiu and Zhang Sumei were still discussing whether the curtains looked good or not.Du Heng said without any nonsense, Leader, Wangjiazui No.
Du Heng could only laugh at the efficiency of work in this courtyard.You don t even dare to think about what Wang Shuqiu will look like in their mouths.
But Du Heng was a little girl Her teacher initially said that my sister and my brother in law had to pay more attention to the child and that it was caused by neglect of the child.You can t talk nonsense. Pei Jihua did not refute with words, but turned around and left the office, took the bag containing the film from his desk, and returned to the editor in chief s office again.
Don t know where they all come from. Du Heng s mentality today has actually been relatively stable.the difference is a bit big, but now I can only bite the bullet.
Since everything is like what you said, dean, then all the village doctors involved should be fine.Du Heng s answer was very light, but extremely powerful.
Within two steps of walking down the aisle, Wang Juguo couldn t help but took the cigarette stick from his ear.So, To solve the problem of ascites, we must treat the root cause.
Fortunately, Zhao Bin made it clear on Mounjaro Weight Loss: How This 2025 Breakthrough is Changing Lives the phone just now, otherwise he would have to call again to ask for the location.But in this way, after two years, After our own person was successfully promoted to deputy director, we had to face the problem of no employment quota.
But this is a debt and must be repaid But considering Zhao Xinfang s actual situation, I guess he won Valerie Bertinelli’s 2025 Weight Loss Journey: Diet Plan & Exercise Routine Revealed! t be able to do it for the time being.Du Heng s eyelids twitched and he looked at Du Yi funny, Are you sure you want to learn from me Don t you regret it Du Yi nodded sincerely, No regrets.
If.
Then the Eight Immortals will cross the sea and show off their magical powers.The two brothers were just talking nonsense. Seeing that his sister in law had something to say, Du Heng stopped arguing with his eldest brother and turned to ask his sister in law, Sister in law, just tell me if you have something to say.
Du Heng smiled, Don t worry, you have a lot of time to talk.The girl was unmoved, but the look of impatience on her face became more obvious, I have told everyone that our medicine can cure high blood pressure and other cardiovascular and cerebrovascular diseases.
After another round of business compliments, Du Heng was finally able to drive with peace of mind.Just change, now I will give you acupuncture. The patient was more cooperative than before, and when Du Heng finished speaking, he was already lying down in the standard posture.
I have to go back and ask my elder brother. This is what it should be, so I ll take this quota.Du Heng had a little childish temper. Anyway, the problem was solved and he let it go.
Doctor Du just needs to be the same as before. When I need help, you can provide us with certain support.Wang Shizhen ran to Wang Shiyuan s side in a few steps without throwing away the towel in his hand.
Buwei, please watch carefully and don t let him move around and drop the needle.Du Heng chuckled. Okay. Wang Lili and Wei Wen shouted Penguin CBD Gummies Reviews for ED: User Testimonials the loudest. Then everyone should be busy with work, and find someone to hang the banner when it is time.
He glanced at the woman and said, Where are the samples you left for lunch today The fat woman s eyes flashed, The students have finished eating, and we thought the samples were useless, so we ate them Eat Gong Daoyang took a deep look at this woman.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.