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.
Si se garantizara la seguridad de los ciclistas y se construyeran nuevas vías especiales para ellos, 71% de los entrevistados reconocieron que utilizarían la bicicleta como medio de transporte.
Para garantizar la seguridad adecuada, todos los dispositivos requerirán una protección sólida equitativa, incluidos los dispositivos personales que interactuan con múltiples redes.
See you off.Matchmaker Wang happily entered Chu s house, but was kicked out with a sullen face.He pulled out the sword and saw that the blade was extremely sharp.
Ling er whispered It has been arranged.Reassured, Zhou Yunqing followed Ling er to Zhu s guest room.Great, let me say that Mr.Chu and Miss Lin are a perfect match.
but also to kill this vicious woman.Chu Kuan was a little guilty and didn t dare to look at him, he just said Xin er also agreed to leave the mother and keep the son.He held Rong Guogong s hand and did not let go, with pleading eyes, Please father in law, for the sake of having an orphan child in her womb, please spare her life for now, and when she gives birth to a child, I can do whatever my father in law does.
I went to check and found that the Zheng family didn t invest a penny in that project at all.Madam is right.Yu agreed with Kang s words.The family started to praise Lin Yiyi in various ways again, which made Lin Yiyi feel embarrassed.
Yan Lv ordered people to investigate the assassin, and did not go to rest until midnight.Xiao Lian glanced at her and replied.Zhao Ruyue said Okay, just do as I said.
Don t say it.I can t afford Miss Lin s current status, and I can t even match her previous status.But that man is a pervert, he often tortures her, and takes her to various receptions, letting her be taken advantage of by other men, she wants to leave, but she can t stand the thought of leaving the days without money, she wants to follow the old man first , Maybe you can find a young and handsome rich second generation.
Hurry up, go in, and follow.Ma Cong stood behind, urging everyone to quickly enter the path.People must be taken back, she is your daughter, she should go with me.
I am in a dilemma.Zhu Qi heard this and asked At this time, Mr.Zhou Yunqing has been pestering her brother for half an hour, but he just refuses to agree to her request.
Fool, this little thing has moved you like this Your heart is too small.After marriage, the couple had a very good relationship, but Chu Laosan died of illness shortly after the marriage.
If he doesn t pretend to be filial to his mother, how can he have the opportunity to kill his mother to avenge himself Zhao Ruyue continued.On the other hand, Hu Peng was very pleasantly surprised when he received Lu Jinxin s letter.
The same was true for other soldiers.Liang Guo s weapons were vulnerable to a single blow, causing countless casualties, and Liang Guo quickly retreated.Zhao Ruyue said in her heart, she finally remembered that there was such a person as her, it was really rare.
Chu Han shook his phone, Have you learned how to slap your face when I taught you Yun Shu understood and smiled, I have learned it, thank you Senior Chu for your careful teaching.I haven t asked you to pay for the medical expenses, but you have come to the door.
When he wanted to drink water at night, he accidentally fell off the bed.As for Zhou Yunqing, it s fine if she doesn t want to reconcile, and when he clings to Prince Xiang s Mansion, Prince Xiang s Mansion will take action for him to solve Zhou Yunqing s position for Dong Yufangteng When Chu Han learned that Feng Wencai had changed his target and wanted to snatch Lin Yuzhi s marriage, he was speechless.
Anyway, she was already dying, so he didn t need to do anything else.Feng to Zhu s house to apologize.Master Hou forgives the crime.
Niuniu, why can t you pull out this dagger He asked dejectedly.Brother, hurry up, Matchmaker Wang is here, and she is in the living room to say hello to you, mother told me to call you.
Besides, serving in the army is not a joke.They have to do dirty work every day, and even if they come back, their health will be broken.
White.He suddenly realized that in front of him was a True God of Transformation, who could crush himself to death with just a few fingers.It is also unusable.At most, it can exert the power of the sixth or seventh order.
According to previous experience, since he has stopped, it should be difficult for him to take another step up.As a key training object of several Huixu Zhenyi, Lan Yin would of course appear around the head of the sect at such a time.
The most important point is that although the three returning to the void can t transmit their voices out of the fireball, they can hear the sound outside.For more than five years, Shao Nan has been immersed in the world of swordsmanship.
The looming small island, the bursts of vibrations, and the most obvious colorful light, everything is conveying the same message there is definitely something good here.Shao Nan began to worry about how to deal with this enemy.
And the name of Master Shao Nanshao gradually spread.Obviously, the plan of the Bibo Huanyue clan to encircle and suppress him failed.
I happen to have a magic weapon here to break the defensive formation.It s a pity that Shao Nan thinks he has no way to deal with Zhenjun Yuanying.
He moved forward.I said stay and take a look. You see, that s right.The newcomer who advocated staying was the first to discover Shao Nan Chenggong quickly clapped his hands and shouted.Chai Jingming was taken aback for a moment, and then he was ecstatic.
Zihong Shinichi didn t say anything, just went looking for Lan Yin.After Fan Tianyou and Lan Yin finished the test.Many geniuses waited for a while and found that Shao Nan had no intention of ending.
If Xianjun Shenghuo gets Qingyang Leihuo, it will definitely break the current balance of the fairyland.That is the attribute of water It stands to reason that Xiaocao er only needs to talk about the restrictions arranged by Huixu Zhenyi.
Have you started to come into contact with Huixu Zhenyi That is a legendary figure My God I have never even met Zhenjun Yuanying.Not only is the food delicious, but it also has a soul stirring aura.
In the upcoming decisive battle, Shao Nan himself cannot guarantee that he will win.The purple robed old man returned the jade bottle to Shao Nan, and said with some dignity.
What s going on I can t listen to your one sided words.Originally, Shao Nan was a little hesitant, but after this period of observation.
In other words, he was looked down upon by countless returnees.Ambushing the two Colorful Mist Dragon Swords at the outermost periphery, when Zhenjun Jinhong felt that he could leave soon, he relaxed and launched a sneak attack.
Qingyao Zhenyi knew that Shaonan was still alive, but he couldn t determine the location.It took two full hours to arrive at the position where Shao Nan escaped from death.
Shao Nan directly appeared in front of Zhuji Zhenxiu who was in charge of the delegation task, handed over the identity plate, confirmed the message, and disappeared at the place where the task was issued.Hearing Xiaocao er s increasingly excited voice, Shao Nan knew that the distance was very close.
There are even countless people who wish to drag everyone they know into Shenmeng Restaurant to taste together.Great prophecy What can you predict now Shao Nan stared at Lan Yuanzhou with bright eyes.
This time, no exception.Emperor Tian paid off, when the three color chains were reduced to nine hundred and ninety nine, they finally returned to a balance.Five days later, more and more people gathered here.
Shao Nan finally remembered.What happened in the dense forest of rivers and streams back then.
Don t you think your approach is too chilling It s not your turn to evaluate my affairs Li Haotian said coldly to this self righteous woman.The market value of the Li family is rising every day, and it is ready to reach what it was before Li Shaoting s accident.
Thanks to her, she was studied as an idol, but she had no idea that she had such a dark side.He neither cried nor fussed and was very obedient. Gu Ruoyi looked at the little pacifier in the little guy s mouth and couldn t help but be confused.
His words were comfort and a promise to Gu Ruoyi. Li Shaoting waited until the video was turned off first before closing the computer.Pfft. Gu Ruoyi couldn t help laughing. Because what Li Shaoting said sounded weird and funny.
Li Shaoting stared at his son with a serious look, and he suddenly became interested Put everything in your mouth.Li Shaoting also snorted You know I don t want you to have contact with those people, and you still want to kiss him Who said I was going to kiss that person Gu Ruoyi was a little dumbfounded.
Then, I m going back to Li s house first. I ve been out for a few hours today.It s really not fun After about two minutes, Li Shaoting hung up the phone and walked back to the computer, only to see Bai Luo waving at the computer camera like a fool.
So, Zoey , if you want to take back everything from the Gu family, you d better take out the Li family s business secrets within these two weeks.Gu Ruoyi followed Li Shaoting cautiously, feeling a little nervous.
Xiao Chen is so cute Ruoyi, don t you think so Ou Xiaoman walked to Gu Ruoyi s side, looked at the little person in the distance, and said to her.The next day, early in the morning. Ye Zixiu went to Xiang s house.
From her brother s eyes, Gu Ruoyi saw tenderness, the way he looked at her lover.She thought she had seen a ghost. No, she would rather see a ghost than face the living Li Shaoting.
I wonder if he moved her to the ward. Oh, I forgot to tell you.Li Shaoting cleaned up, then helped the little guy wash his face and wiped away the water stains, and then the father and son went out together.
Gu Ruoyi looked at Bai Feifei s back and sighed. Turning to look at Li Haotian, Gu Ruoyi restrained all her emotions and asked calmly Dad, do you think you are fair to Ating Li Haotian looked at Gu Ruoyi in surprise, a little confused.Entering the bar, Gu Ruoyi saw a woman drinking alone at the bar.
The little guy turned his head and looked at his aunt walking back and forth in the distance.Now that Mommy is back, why do you bully Mommy every day The little guy felt very distressed when he heard that Mommy was bitten by his daddy.
He only had eyes for this cute creature in front of him.If you ask me, he must be scolding you as a cold father.
The fun has just begun The man exhaled a puff of white smoke, and the car was suddenly filled with hazy smoke.The little one looked at his father with half squinted eyes, no longer crying or making trouble.
Bai Luo, drive He did not answer his question and coldly ordered Bai Luo to drive away.Well, it bit me. If I m fine, it proves that it s not poisonous.
He didn t like Li Haotian who had no angry expression He should have shown great pain and anger, how could he be worthy of the woman who had loved him for so long Gu Ruoyi stepped on him in all kinds of ways until his leather shoes were polished.Why is he here Come, take my Mrs. Li home. Li Shaoting hooked his shoulder and was very satisfied to see that there was nothing revealing about her clothes.
With a clang sound, the knife in her hand hit the ground hard, and she shouted with a trembling voice A Ting Didn t Bai Luoxia say that her Ating was dead Yet She ran towards Li Shaoting quickly, hugged her son fiercely, tears kept flowing from her eyes Ating, I thought you were really dead.How could her mother be with someone else After watching other videos, they were all scenes of Bai Luoxia and other men having fun together.
Mu Xinran worked in the small coffee shop she opened and was absent minded all morning.
The two natal objects of one s own landscape are the mountains and rivers. On the one hand, he works for fellow Taoist Han to control the circulation of the five mountains and rivers, so that once a corner of the scroll of mountains and rivers is opened, it will be exposed to the Han Jiang tree.Qin Zidu didn t care about this. In Toutiao City, passers by earned opportunities based on their own abilities, which was not surprising.
But this person is young, has a deep character, and is good at hiding his clumsiness. This kind of thing is definitely not an easy person.After bowing three times, he inserted the incense stick in his left hand into a large incense burner.
He learns boxing to kill people, but in the end he kills himself for no reason. So in my hometown, there are also disciples who first spread the word The two sayings that there is no prescription for medicine unless it is passed down from one s own person and the poor learn martial arts and the rich practice martial arts, and one person practices martial arts and wastes three generations of wealth are both old sayings that are widely circulated in the world.
I am just going to be the unnamed guest of Huangheji, the blessed land of Yunku, waiting for the destined person to take away the ancient golden elixir.And this person who is in Tongye Continent s close heart Qi Jingchun, he suddenly shook his head and laughed loudly, Jia Qing s plan is really disappointing.
What s more, Ruan Qiong also has the title of chief worshiper of Da Li. Among the several direct descendants, there is another genius named Xie Ling.Too much, so annoying. Pei Qian put the hiking pole across his knees, ignored Bai Xuan s complaints, and began to close his eyes to rest.
Finally, the man trembled slightly, wrinkled his face, and laughed softly, Mom, dad, don t worry. Except for being away from home for a long time, everything has been fine these years outside.You did a lot better than I thought, so I won t praise you too much to save you the trouble. With its tail raised, it is higher than our Wei Shanjun s Piyun Mountain.
The spiritual energy of heaven and earth in Entry City is thin, so it is not a suitable training ground for Qi refining.There was great excitement, and some graceful female monks had quietly turned on the Mirror Flowers and Water Moon.
Not far but not close either, this was done intentionally by Pei Min, just to test how much of the real world this young swordsman s small world could cover.Only then did he free up his hands. He had something to do. He reached out with his arms and put an ancestral mountain talisman that wanted to blend into the mountains and rivers of the scroll.
I almost couldn t recognize it before, but now it s better. I m still very familiar. In the square outside the main hall of Jidu, Chen Ping an stopped.Gao Yunshu nodded and didn t dare to argue any more, in case it turned out to be the swordsman. Senior Sword Immortal of God, regardless of whether he is fellow countryman Xu Jun or not, since the other party expressed his position like this, he should not go too far and resolutely reciprocate the gesture with fists clasped, Then I wish my senior a smooth trip I firmly believe that the other person is a Sword Immortal.
The most expensive one, sixty five, is in Red Candle Town, and the cheapest thirty six is in the capital of Sui Dynasty.Over the course of thousands of years, his writing style, talent, emotion, character, strength and vitality have all been awe inspiring.
No one knew what happened inside. In short, this matter was already the biggest taboo in the Confucian Temple.According to the rules of the imperial examination, Liu Qingfeng is the master of this imperial examination, and all Jinshi are Liu Qingfeng s disciples, because the last imperial examination was held during the more than 100 years since Xiu Hu Cui Cheng served as the national master.
As expected of a wild cultivator, he can endure more hardships than the Immortal Master of Genealogy.Zheng Su saw that Cao Mo looked calm. It was probably because of his previous trip to Tongye Continent and passed by Daquan on his way north.
Of course, the premise is that Chen Jianxian will be merciful and hit but not kill. Chen Pingan looked around. From the lamp on the desk, two scriptures, to various objects including flowers and calamus, he still couldn t see any mystery.The shopkeeper only said that there was no such book. He went to a fake bookstore and returned with the same result.
I don t want to write anything. I just want to hang out here for a few days. If your city lord wants to drive people away, he can drive them away.Previously, Jiang Shang really relied on this to get to Mirage City very quickly, but this time It was more money intensive and required a large amount of Guyu money.
In fact, I am not a mountain person. Gao Shi really knew that this old Pei was destined not to reveal his identity, so he turned to ask, Yao Jinzhi has no spiritual practice, how can he be so good at looking good The old housekeeper said, Her aunt, the one who used to be a border officer Jiuniang, the innkeeper, is actually Mrs.
For the sect of the old Sword Immortal Qi, it would be another timely help. Of course, this is just my personal suggestion. Shao Yunyan smiled and nodded, Since Lord Yin Guan has said so, I will think about it carefully.Qiangyue laughed. He was an immortal sect that had Dongfu Realm as the concierge, and he was also a mountain man.
Nowadays, the situation in the Dali Temple is delicate. His Majesty the Emperor s many measures are very popular in the mountains and down the mountains.As the master of this world, Zhou Mi doesn t even matter. Putting her fingers together again, Qi Jingchun picked up a chess piece from the chess jar of heaven and earth.
Whether he was traveling with Lu Tai in Tongye Continent or meeting the scholar in black in Guixi Valley, he always hoped that the future generations of Luo Luoshan would not suffer as much as he did because he did not study much.Of course, a third time is not too much for me. Alas, the Holy Master is really a saint. That magnanimity, in the middle of the night, was like the sun acting as a lantern, and it was so radiant.
All I know is that there is a group of ethereal drum crows living inside, holding fallen leaves in their beaks.