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.
Resulta tentador saltar directamente al diseño de la cadena de suministro verde; sin embargo, el éxito a largo plazo depende primero de sentar las bases adecuadas en cada eslabón que la conforma.
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He came a little earlier. At this moment, except for the principal Hao Jianhua and two teachers, no one else has come yet.This roommate is over 1. 8 meters tall with a well proportioned figure and long broken hair that resembles Rukawa Kaede.
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It can be said that this writing by the ancients is quite powerful.
Su Ye suddenly broke out in cold sweat on his forehead.However, I can provide several more elixirs for refining.
Let s go. Su Ye sighed It s not peaceful recently, I d better just find a place to stay.Without waiting for Zhou Gongwei to speak, he stepped directly onto the stone steps.
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Without elixirs, how could there be a spiritual vortex
Yu Ziya said Don t worry, don t worry about my affairs.There is no restriction on freedom, as long as you have fame.
The Rakshasa girl was horrified, but she remained calm.Bang The Feitian Yaksha was knocked upside down, knocked down from the air, and hit the mountain wall on the side, vomiting blood.
Then we ll wait until you try it out. Long term cooperation Su Ye didn t want to do it.Maybe if he could be canonized, he would be able to figure out what Haoran s righteousness was.
As for the effects of Taiyin Qi, according to ancient books, it can be roughly divided into two types.Then he took out a porcelain bottle, poured out a pill, and threw it into his mouth.
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there are old men in Shiqing robes encouraging the cultivators.Holding a few sixth grade high grade red flame talismans, he was ready to blast at the eight clawed poisonous octopus at any time.
Hehe, you are timid. Just stay here to practice, the place where the real spiritual energy is rich is still far away Everyone is in the team of monks.They saw the sword light of Ye Ling and Qu Rou from a distance.
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Nanyu Sect Master waved his hand to stop Ninth Brother, please don t be rude Master Mu Alchemy, my Sect Master sees that your attire is very different from that of our Aolai country monks.In the ancient fantasy world, time flows, and the sun and moon change in morning and dusk.
How can a trade fair in the west of Yuyang Town compare with it The young tribe has a long term future.All the scenes, and leaves. What Ling saw vaguely from the stone bridge at the entrance of the Phantom Cave was exactly the same, but standing in front of him, he felt that the Huanhai Palace was majestic and seemed to be the center of gravity of this cave.
How could they allow monster corpses and puppets to run rampant Hey, the juniors in front of me, please stop for this city lord Xuan Zhenzi s clone gave the order and had a majestic aura.echoed in the Golden Crow Cave. Ye Ling could only reluctantly nodded Forget it Even so, Ye couldn t refuse his kindness and agreed to be your clan leader.
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A giant whale is swimming outside the isolated island.Ye Ling nodded silently and stopped in front of the second senior sister to prevent her from causing trouble again and making the surrounding monks laugh.
It turns out that the soul of the child buried in the ice coffin at the bottom of the valley and sleeping for thousands of years is probably the soul of Xiwu King Xu Zhang who did not have time to succeed to the throne.They just hate that iron cannot become steel. Naturally, they will not cause more killings.
There were a few cracks, and now they are gradually merging Use the talisman again and try it The old catfish demon saw more and more fishing boats coming to this sea area.The golden marrow and other bow refining materials had no choice but to be occupied by the Aolai country bandits, and these materials were not taken away in time.
wall. The Winged Fire Witch looked at it and shook her head The barbarian cultivator team of the Barbarian Bulls is so abominable They are also called the barbarians.A strange woman, we are all impressed. It took a long time for Tang Die to come back to her senses.
For better ones, only three will be collected a day.Garden. Ye Ling was excited Ever since the jade pendant dropped from the sky, he had seen the name Donghuang Taiyi floating on it.
By the end, the witch s red bracelet almost rang out Even the mage Iroh who was chanting the spell couldn t bear it.Maybe it was already open there. I have my pockets waiting for you As soon as Patriarch Tiandan said this, everyone was speechless.
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The battle in the main ring to compete for the ring master continued until the sun set and the sunset reflected the sky.The power of the ancient bull totem was found all the way.
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no benefits. If the barbarians found out, or were targeted by strong men such as Young Master Canglang and Jiaomuman Warriors, all the efforts he had made would be in vain.
I have been in Tiandanxian s sect for one hundred and forty years and have never been to the top of the sea of clouds in Tianlan Mountain.Now is not the time to argue about the eight door golden lock.
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Master Su said leisurely You can do whatever you want.Use the transmission talisman to inform the palace master At that time, you will be endlessly hunted Ye Ling sneered, he expected that the little witch must have the soul blood of the four of them, or have given them a Soul imprint.
A sea expedition vanguard list has been posted in Laiyang City, with the names of the top 100 strongest people in the foundation building period on it.As long as he took the spirit beast bag into the immortal mansion, he could probably hide it from the enemy When the time comes, entering the Illusion Sea Cave and summoning spirit beasts such as the Golden Core Fish Demon and the seventh order ice butterfly CBD Gummies, THC, and Weight Loss: Athletes’ Reviews
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Ye Ling looked intently and saw that Luo Hu was at the same level of cultivation as him.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.