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 automatización de almacenes está dejando de ser una opción para convertirse en una necesidad estratégica. Con la escasez de mano de obra, la integración tecnológica y las innovaciones en robótica y IA, las empresas tienen la oportunidad de optimizar sus operaciones , reducir costos y mejorar la eficiencia. Al adoptar soluciones como RaaS y mantenerse al tanto de las últimas tendencias en automatización, las empresas pueden enfrentar los desafíos actuales y posicionarse para el éxito en el futuro.
La IA está siendo aprovechada por la industria de viaje como una oportunidad para atender a sus clientes de una forma más personalizada y más económica.
Un factor que cambiará la dinámica de las compras por internet será la alta penetración de usuarios de smartphones, tanto en los mercados desarrollados como en los emergentes.
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The former is a bit troublesome at best, while the latter is extremely deadly.After all, Memphela s blessing is defense power, not attack power.
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As a conservative bishop, Sirid has always been extremely wary of these witchcraft weapons.Since it involves high dimensional links, messages can even be exchanged at super light speeds.
Does the time flow rate in the two worlds differ This is a rare piece of good news Aurora said happily.071, show my current state Lin En thought silently in his heart.
Instead, he looked Comparing Mechanisms of Action at the surging space time door and asked
Have you tested it Is there an upper limit to its expansion range Can it accommodate the incoming and outgoing substances Where does the energy to maintain it come from Linn s questions are undoubtedly many and critical.If he knew that confronting them would result in a punishment ten thousand times more terrifying than death, then no one would dare to Understanding Keto Plus ACV Gummies do such a bad thing.
Wizards will also lose their original disguise and reveal their evil side.Less than fifty kilometers, Tik replied. These undead are searching every possible location.
Harrov shook his head and said. Ella painstakingly conquered the mainland, established the church, and laid out the plan for hundreds of years, in order to step into the realm above the legend and replace the moon god Diana.Since the halflings are the indigenous people there, it is naturally more convenient to act in this capacity.
Your magic power conversion equation is definitely the greatest discovery in the entire history of What Sparked Kelly Clarkson’s Decision to Lose Weight? magic It took Harov a long time to recover from the exquisite calculation in front of him.What things. Inspired by the impending resurrection of the Moon God, all the nobles present immediately boasted about how many people they had secretly recruited in the past few months and what critical information they had obtained.
This is its advantage, but sometimes it is also its disadvantage.Although such a guess is outrageous, it cannot explain why the light spots on the photosensitive screen only light up one by one, and why the electrons happen to be on the same path What are True Fast Keto Gummies? as the wave trajectory, but it is still an explanation.
If she hadn t suddenly had some problems, I m afraid it would be hard What are Keto K3 Gummies? to say the outcome of that battle.What is even more convincing is that this paper directly provides a detailed experimental demonstration method.
You said before that it was not convenient to take action in the current state.As the most devout believer of the Lord, He firmly believed that those wizards were not well intentioned and must have exerted some evil witchcraft on the money, so he did not receive compensation at all
However, Loren didn t care so much. He didn t believe that anyone would not want the silver coins they got.
How could it stall now because of some potential risks Even if he is willing, Vittorio and others will not be willing.Lin En said solemnly. This is also the attitude of the council.
It can only be said that those wizards also spent a lot of money in order to cope with the empire s crusade.I think there is no need to completely imitate the alien spacecraft.
Therefore, many alchemists began to speculate that the speakers were Tip 2: Focus on Strength Training for Long-Term Results preparing to build a very large electromagnetic orbit around the world, and in the future, inexhaustible electricity would fly down from Strategy #2: Consistent Physical Activity the sky Jonny wasn t quite sure why, because she had already left the core of the school.Master Dean, all the wizards who were hunted by the church in the western part of the empire have arrived safely in the City of Fire Oil.
The universe we live in is not as simple as you think.Then before the fighter plane completely fell, he opened the protective cover on the top and jumped out
Bat Wing Deformation Yasos was in the air. The muscles on his back began to deform and User Reviews of CBD CBN Gummies extend from near the shoulder blades, and a pair of huge wings with a length of three meters spread out.
Lin En would not use his rights to exempt the two of them just because they were familiar with each other.This time was obviously much luckier than the last time.
Just now we almost thought that Ella had cracked the electromagnetic signal and sent us a message.I understand, Lord Lynn. Del said thoughtfully, and marked the words of emphasis after Ivina s name.
Stupid native, I am the messenger of the stars under the great God of Life and Creation, and I am here to pronounce judgment on the fate of this plane This was by no means a common language, but they were surprisingly able to understand it.The outside was shrouded in circles made of mithril, extending to the end of the field of Understanding PureKana CBD Gummies vision.
Anyone who dared to step into it would suffer inexplicable body ulcers and die.They knew very well how terrifying these undead armies were.
The planet s magnetic field Harrov and others paused for a moment, and then remembered that someone mentioned in Planet Theory that the Eternal Star under their feet was like a super large magnet.
It is a truly world destroying weapon There is also the particle beam weapon.The feeling of powerlessness arises from within. Is she still alive Aurora asked in disbelief.
One more point According to Raphael s own estimation, they can delay it for at least half a month, and maybe a month if they are lucky.For example, he was finally knocked away by the wizards new aircraft, and another example was that the person who cast the spell was a wizard named Linn who looked What are 1200 mg CBD Gummies?The Science Behind Sustainable Weight Loss young.
The speed shown by the opponent is actually far from reaching the limit.They may not even know each other s identity
However, the so How CBD Gummies Work for Sleep called identity and status are not Conclusion: Integrating Knowledge into Action valued within the society, because here knowledge is everything The members of the Arcane Society have different views on this war, and it is impossible to organize a large number of people to come for reinforcements like the Parliament did.
The two great wizards at the center of the deep public opinion whirlpool, Anthony and Jeffrey, are gathered here.Tie up. These chains are different from Vittorio s rune locks.
Although he is still not sure whether the news is true, he must stabilize the situation now.Ivina s expression was extremely tense, because this meant that they had officially entered the city controlled by the wizard.
Since they can use electromagnetic fields to bind elements Wie kann man gesunden Gewichtsverlust erreichen? and accelerate them, why not use magnetic fields to slow down and capture these particles.At a low temperature close to absolute zero, even chlorine trifluoride, which can rob electrons, can no longer maintain its own form.
As for the Magic Star, His movements are unknown, he must have been staying in the City of Fire Oil recently, I have only collected some information about him
At this point, Monroe felt extremely ashamed. The Pope trusted himself so much that he entrusted such an arduous task to his hands.The Moon Watchers were not the only remnant church organization on the entire continent.
At this point, Linn took out a silver coin and quickly threw it out.Even some fantasy may become a source of inspiration for others.
The army, railway construction, various workshops and civilian colleges almost cover The Science Behind Marijuana Gummies and Blood Pressure the areas governed by wizards.The only thing that is certain is that all of these people have questioned the nature of optoelectronics, and many of them have even directly participated in discussing the wave particle debate and published several papers in newspapers.
Working hard, feeding livestock, carrying goods
the village was an extremely busy scene, but everyone s movements seemed a bit stiff.Now it s time for him to take the field The great wizard named Bould nodded, then clapped his hands, and several apprentices lifted out a huge, fully enclosed cage.
Generally speaking, the commonly used methods are gas diffusion method, centrifugal method, nozzle method, laser method, etc.Vittorio led a group of alchemists to figure out how to arrange the energy guidance formation.
Stepping into it is like entering her body Immediately afterwards, the elements in the void began to vibrate, and the huge divine power instantly enveloped fifteen electromagnetic cannons This is exactly Substance Analysis Technique With the power of God, Ella is A1 Keto BHB Shark Tank: A Detailed Review able Top Picks for ED Gummies to analyze the principles of this technique and master it in a moment.
If the wizard s legend is CBDFX Original Mixed Berry CBD Gummies about converting matter into energy, then Cynthia is using soul power as an energy source It must not be done forcefully
The thought flashed through Lin En s mind. This technique might be able to directly harm the soul, so it is no wonder that it is used as a common attack method by the opponent.
I heard that Master Lin En is preparing to build a new sun on the earth An alchemist lowered his voice and spoke.The guard who had narrowly escaped death was stunned for a moment, and then he hurriedly rolled and crawled out.
After returning home, they didn t sleep and put their ideas into practice The first is the measurement of atomic mass.One of the Stitch Monsters was hit by twenty rail cannons.
Escape. Ran away Linn was stunned for a moment. He didn t expect that this guy actually knew how to intimidate and use tactics.Ryan s heart was filled with excitement as he thought about the form in which this thank you would be distributed.
Escape
This was the only thought left in Cecil s mind, and the godhead in his consciousness trembled again.However, Harrov was not attacked, and the expected Shadow Assassin did not appear.
Do you agree A smart brain reminder sound suddenly sounded in his mind, interrupting Linn s thinking.The surface was covered with criss Comparison to Other Products crossing cracks
Cough, cough Lin En and others, who were blown over by the shock wave, finally managed to escape.
Hundreds of electromagnetic rail guns have begun to accumulate power, accompanied by bursts of violent explosions and instantaneous sonic booms that shocked the surrounding soldiers and covered their ears.Now this new type of fighter plane is already a big threat to the Mediterranean Diet vs. Other Popular Weight Loss Diets in 2025 Legend.
Harrov said helplessly. It was impossible to say who was responsible for this promotion accident.Devil, this is the creation of the devil Witnessing several colleagues beside him being beaten into several pieces by the intensive barrage, a prey knight was so frightened that he actually Common Pitfalls to Avoid in Your Fast Weight Loss Journey peed.
among. The Science Behind CBD Gummies and Anxiety Relief This is the speed of sound, and under Linn s personal guidance, Harrov, who has just been promoted to legend, has also mastered it Lin En, Aurora and Vittorio also followed and disappeared from everyone s sight in an instant.Lin En nodded. It would be good to be able to solve the problem of the light curtain in such a short time.
Even though the company did not publicize it, there was still a rush to buy it.After all, the market will never be short of people chasing the ups and downs.
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s material. It plans to acquire Mojang for US 2. 5 billion. The company is the developer of the well known game Minecraft.It will be officially announced to the outside world soon.
The stock price also rose to Addressing Concerns: Separating Fact from Fiction a record high of 110. 37 yuan, and the total market value reached 206.It is precisely because of this kind of inside story that they saw the violent fluctuations in the prices of major commodities around the world, including the unprecedented super rebound in U.
Galaxy concept stocks are not suitable to start in the first half of the year, and the stock prices are obviously suppressed
A week later, at the end of May, Fang Hong came to the Jiuzhou Blue Arrow headquarters.The Shanghai Stock Exchange Index dived and opened lower at the opening.
Is this what he personally explained Hua Yongming was surprised to learn the news.it s not very expensive. How about we send someone to talk about it and just buy Blizzard What do you think Activision Blizzard is actually the result of the merger of Activision Blizzard.
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I was so stunned in front of the screen that I forgot to post a barrage.Today is definitely a day that will be recorded in the history of the Big A.
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This is a robot dog, and it is also a second generation product.If it is a well made pure CG animation, 2 billion is really not too exaggerated, and the news is too unclear.
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All day today The trading volume reached a huge 1. 103 billion.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.