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 gestión adecuada de residuos no solo es una práctica empresarial inteligente sino también una contribución valiosa a un futuro más sostenible. Con la implementación de un plan de gestión de residuos sólido, las empresas pueden prosperar mientras protegen nuestro preciado entorno.
Pocas tecnologías crecieron tan rápidamente como la computación en la nube y las coubicaciones —tanto dentro del mercado de los centros de datos como para la sociedad en general—.
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Although aura and magnetic field are fundamentally different, the former cannot withstand scientific research, while the latter is a completely scientific product.At this moment, the sky was like a twilight sky. The next moment.
Those five corpses are all spies That boy s name is Lin Beichen.Sun Dewang waved his hand quickly and said happily Captain Xiao, here, we have captured four human traffickers, and there is Zou Huaide among them As he spoke, he and other police officers controlled Sun Chao and the other four to speed up and go.
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Instead, he asked Do you have a high voice for classmate Lin Beichen Wu Meng looked at He glanced at the barrage.However, even until the end, there was no answer from Lin Beichen.
He was almost killed by lightning just now, and seeing Zhong Bai s tragic death, the uneasiness in his heart made him particularly angry and irritable.One after another, Hongqi cars arrived in front of the stadium, and stopped one after another in the huge open space in front of the door, connected end to end, forming a huge circle.
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I don t know how many ordinary people knelt down and trembled, thinking that God was angry and wanted to destroy the world.He is the ancestor of the Evil Heart Palace, a demonic figure who has been both good and evil for hundreds of years, so he naturally knows the possibilities and small mindedness of these sword cultivators.
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Master
Bai Xixi, Zhuang Ling er and others suddenly became extremely worried, their eyes turned red and they shed tears.
Immediately, spiritual power surged, black mist billowed, and it was like falling into the netherworld for miles around.Feng Xin opened her mouth to come to the rescue and gave him the steps.
The ancient stone bridge Boom However, immediately after, Lu Yu stepped down again Step eight Huan Yu was dumbfounded, and others couldn t believe it either However, that s not all Step nine Step ten Lu Yu was still walking on the ancient stone bridge, walking easily without encountering any Do PrimalX Ultimate Male Enhancement Gummies Deliver Results? An In-Depth Review
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The cracks gradually began to heal. In an instant, golden runes appeared on the pure white bone sword, like densely packed golden tadpoles, flickering on and off on the bone sword Yin Yang and Five Elements, listen to my command, the fire of Nirvana gathers here With a soft drink, Lu Yu squeezed a series of magic formulas, creating a series of mysterious and simple Tao patterns, which were engraved on the bone sword Immediately afterwards, the spiritual energy in the Scarlet Flame Pavilion surged in, as if under orders, it converged on the bone sword from all directions A series of mysterious and simple Dao patterns penetrated deep into the bone sword.
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No matter how talented you are, it is impossible to do it without the inheritance of cultivating immortals.Lu Yu
When everyone in the Long family received this bad news, it was like a bolt from the blue, and they were extremely worried Liu Wenge held his hands in front of his chest, his pretty face was pale, and he prayed in a low voice Lu Yu, it must be okay, it must be safe, God, please
And such a big movement could not hide anything else.
Although Elder Songjiang and others also hope to go to the upper level of Red Flame Pavilion to get more benefits, since Lian Peng has an order, they dare not disobey it.He Zhenlong was originally careless and didn t care, but when his consciousness scanned these storage bags, his expression CBD Gummies in North Carolina: An Overview
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He immediately lost the slightest will to fight. He ran desperately towards Feng Batian, the leader of the Tianwai Sect Brother Feng, save me
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However, before arriving at the fifth grade sacred tree, there were also guards who looked at Lu Yu warily.
Qin Feng s eyes were so cold that Liang Jing s scalp went numb.But the handle was in their hands, and they had no room for resistance.
But when Qin Feng passed by her, he didn t even look at her and walked directly over.Master Qin Long, didn t you say yesterday that you How Long Does It Take to Lose Weight with Keto
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When they saw Qin Feng bringing the strange woman back, they were surprised at first, and then they all became angry when Qin Feng briefly told her experience.She can do whatever she wants. Song Qinghui was a little confused at first, but he quickly realized it and yelled at Chen Chuqing Chen Chuqing, you are really Shameless, you let such a bodyguard act with you.
Who is it Sun Jingjing shouted sternly, not at all the charming look she had just now.After all, Nirvana today is just an empty shell with the title of special team.
Say no. Sure, this will be your last meal Qin Shufang was also made anxious by Qin Feng.So I am sorry to tell you that you may not be able to continue.
We will never change again. See you tomorrow Everyone can hear the threat in Haiyuan Li s words, but Qin Feng smiled faintly Okay, I am looking forward to the discussion with Miss Haiyuan next time.Dai Ruoqing was so frightened that he closed his eyes, fearing that he would see Qin Feng s head missing.
Sect, his sword strokes bear traces of the sect s martial arts.When he took it out, he found that there was no signal.
You stay here, I will go down and take a look
When the two returned to the villa, It was already two o clock in the afternoon, and I happened to encounter Qin Shufang and Tang Kexin packing their things.Now seeing that Han Qiusheng regarded her as the murderer who deliberately framed Qin Feng, her pretty face was full of frustration and anxiety.
Looking at Qin Feng s posture, Chen Chuqing may die Han Qiusheng and Du Bangyan felt bad and hurried forward to stop it.what should we do if the flight is delayed Although we are in a hurry, but someone has helped us, we can no longer sit idly by and let others good intentions go to waste.
As a young man, he directly asked the Fan family to dispatch the old guy who was at the bottom of the box.But if this piece of land can be sold today and more than one billion are received, they can bring this distance closer and closer Even Qin Manman, who originally planned not to go out for a few months, now had excitement written all over her face.
Rather than procrastinating until then, it would be better to find an opportunity to settle the relationship between the two parties.If you want to face her, even those geniuses in your secular world will not be able to fight against her.
Admit it to yourself. You don t know who you are. Will the Bai family send invitations to people like you She just saw with her own eyes that Qin Feng is When I got out of the taxi, I still had a bag of something I didn t know what it was in my hand.But if everyone else thought like Xu Shaoqin, it would save a Decoding the Impact: Understanding How Birth Control Affects Weight Loss
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Xu Shaoqin thought that Qin Feng did not dare to have an attack, and bared his teeth and smiled You re welcome.She can t go there now. The dragon master is in a very dangerous state.
Waiting. Early the next morning, before Qin Feng got up, Qin Shufang knocked on his door Xiao Feng, are you awake Qin Feng had been working hard these days and was indeed tired.Just hearing the disparagement towards Chen Chuqing in Lin Sugar Free CBD Gummies 1000mg: Ultimate Guide & Benefits
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As soon as they spoke, everyone fell silent. No matter how many people were watching, Haibara Li glanced at Ye Linyuan lukewarmly I want this sword, it is the honor of this sword.of. Qin Feng put his arm around her shoulders and smiled We are here to eat, not to attend a wedding.
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Win ten games in a row for seven days and you will be rewarded with a bottle of yellow spring water and one thousand taels of silver.He and Li Yandong are currently the only two third rate peak warriors in the Sanhe Gang.
This slightly fat man is Lu Li, the current head of the Lu family.Mine Die for me A rough man slashed the neck of the black clothed warrior in front with a knife.
If black iron is added to weapons, they will be strong and invincible.He was afraid that Liu Qingyang would offend Luo Chen and be directly killed by Luo Chen, so he hurriedly introduced to Luo Chen That Mr.
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Several people looked around and saw two disciples from Ziwu Villa walking out of the arch.Li Hu, who was standing by, saw this and brought two guards forward to help.
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Yes There was a response from inside the carriage, and then the curtain opened and an old man in blue walked out.This is the maximum we can offer. Please show your respect Luo Chen remained the same He didn t speak, he just looked at Chi Liancheng deeply.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.