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.
na cantidad excesiva de reuniones podría afectar la productividad de cualquier trabajador, hay que aprender a planificarlas, realizarlas de la mejor manera y únicamente cuando sea necesario.
Las PyME y los pequeños contribuyentes son, en este punto, los más afectados, pues al no prevenir con tiempo estos gastos tendrán que desembolsar una fuerte cantidad, de un día para otro, para tener dichas actualizaciones.
Mediante algoritmos numéricos en un motor de inducción, puede medir la corriente del embobinado, la posición angular del eje del motor y adquirir señales de funcionamiento.
Un solo negocio puede tener diferentes buyer personas; esto quiere decir que el mensaje tendrá que irse adaptando al perfil y necesidades de cada comprador.
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After all, the speakers obviously knew much better than him, and maybe they really had a deeper meaning
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In this case, now is the time of prosperity, so what s the point of procrastinating The battle between the four of them with Yuli was spot on and not stained with dust.There may be such a magic circle at a low level, but it is definitely not possible after cutting heaven and earth apart.
The two people in the second level are two Dingyuan realm monks.Xi Lerong has the hidden Stimuli RX Hemp Gummies: An In-Depth Analysis of Their Calming Effects power of the four phase formation in his hand, and he has already had the idea of blame free after going out of bounds, so let s not forget it.
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Can this really be called an opportunity Huang Xiyin blinked and said calmly Of course it is an opportunity.If he follows this method, his Kong Yun Nian Sword also has sword names such as Xu Ziwei and Xu Qingqi.
The connection between martial arts and the lower world is very difficult.Of course, with you two It s a thin difference if it s a fight, a wheel battle can be considered as overcoming the advantage.
It can be seen within three feet of the body. Therefore, Jiang Minyi watched all kinds of scenes together just like the virtual elixirs merged together.The Martial Realm can play such a role in the real and illusory world.
Some institutional analysts are super optimistic and believe that the probability of Xingyu Technology doubling on the first day of listing is extremely high, and it is even expected to directly surpass Zhong Petroleum s 1.It does not necessarily have to be heavy taxes. For example, it can be used in the name of antitrust.
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Before the conversation, Qiu Guangcheng also knew that Fang Hong was an extraordinary person and understood everything.Forget about raising an astronomical figure of more than 70 billion, without giving a premium to the secondary market.
If they come back from buying the bottom, a small number of people are selling, and those stocks will naturally How Long Will It Take to Lose Lower Belly Fat ？ fall.The news came out today, causing people from all walks of life to speculate that the relationship between the two parties may enter a period of relaxation.
After the people in the e sports circle present reacted, they were all ecstatic, especially those who played popular sports.Financing, in short, as long as it is about money, it is not a problem
Qin Feng came to Jingxinju to meet and talk with Fang Hong for nearly an hour before leaving.
8. 7 billion yuan At this moment, the comment area of the stock bar is also more lively because of the floor.Luo Qing an was speechless. The current situation was the result of the battle between the two sides during this period.
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At this point, Qiu Guangcheng paused and added It has not been dealt with yet.
Tian Jiayi nodded and made a memo of his strategy. It s easy to ferment on weekends, so everyone has time to eat melon.
One is that crackdowns on oil prices can severely damage the economy of Big Goose.Tianzhou Online has also been confirmed as the annoying dragon head
On weekends, Tianzhou Online continued to disclose news related to the asset restructuring of Yixing Video.
As the public spread, surveillance pictures of the underground parking garage were taken, pushing the intensity of the incident to a new low.In an international game negotiation Oprah’s Keto and ACV Gummies: A Dual Approach to Weight Management of this level, every condition obtained by his side must be hard won.
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It can only mean that the major shareholders believe that the company s stock price is lower than the company s actual value, and its performance in the secondary market is not good.This stock is quite controversial in the current market environment.
In fact, Euphoria Green CBD Gummies for ED: Reviews from the Front Lines this is because Qunxing Capital is actively supporting the index and does not want the market index to go bad.The major capital giant groups on Wall Street are also very anxious and want to complete the harvest as soon as possible, because they are worried that things will change if they are too late, and they are worried that Fang Hong will smell the crisis and let him run away.
This sedan was too heavy to lift. After all, it did not have the appeal of God K.It turns out that less than 24 hours after the news of the export control measures came out, Europe, the United States, Japan and South Korea were already bombarded with calls.
At this meeting, Fang Hong also made a decisive decision to build a big one.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.