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.
Los sitios que no tienen una versión para móviles ya no aparecen en las primeras páginas de búsquedas, lo cual puede resultar perjudicial para su marca o negocio.
En los próximos meses estaremos emocionados de tomar las lecciones aprendidas en este vuelo para continuar el programa Aquila en su progreso y su fin de unir al mundo mediante la conectividad.
La funcionalidad de gestión del caso en EAM es una forma fácil de hacerlo. Se puede hacer el seguimiento de todas las acciones tomadas y documentar toda la información pertinente de manera que esté grabada en un solo lugar.
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The remaining one is very likely to have the mysterious and mysterious experience with Shao Baojuan, the dream tourist from Liuxiazhou.He broke the rules of our master. We need to go to the Ancestral Hall. The young man smiled and said, I asked you questions, too.
It is said that there are also some arrogant old people who got drunk with their old friends and said that they would live one more year just to see the talismans for one more year.Liu had no intention of pursuing an official career and wanted to sell his writings to make money. The man had an old relationship with the Chongdan River Water God Li Jin Among the old doctors, he was the head juice detox weight loss results of behavior changes because of keto diet the Qing Li Department of the Temple Sacrifice.
Shan and Niujiaoshan Ferry join forces, and then use this to export to the south of Aquarius chantix weight loss Island. During this period, there were two major disagreements at Chunlu Pu.The gods of the mountains and rivers are sculpted into golden bodies and occupy temples in various places.
After looking around and seeing that no monk was prying, Chen Pingan took off the white jade hairpin.In the bright moon, you are the only one who is clear from the turbidity in the world. Jiang Shangzhen nodded keto coach test strips vigorously, That s right, you have to have the consciousness of being dependent on others.
Pei Wenyue nodded and said, I see. All these chattanooga tn weight loss years, I have been waiting for the master to ask this question.It s not just the young husband who is like this. In fact, most people s lives are like this. Their wishes are not fulfilled, and they have to survive.
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Even the Great Heavenly Master of Longhu aldi bread keto Mountain made a special trip from the battlefield of Jiaolonggou ruins to return to Shenzhuan Peak across custom keto diet affiliate program the sea.Qi, there is your letter.
At that time, Lu Chen was best ketogenic diet plan keto flu a guest in Furong Mountain on a snowy night, sitting on a bamboo chair outside the door to enjoy the snow quietly.
Chen Pingan hesitated for a moment, but couldn can a diabetic be on a keto diet t hold it back, and corrected dieta keto y ayuno intermitente cuntos kilos bajas her and said, Teach me earnestly, earnestly.Jia Sheng, an old immortal in the Longmen Realm, seemed to have opened his eyes at this moment, looking at the mountain master.
A middle aged man, wearing a bamboo hat and a green shirt, with a narrow knife hanging from his waist tied to is caprese salad keto a wine pot.Finally, he didn t have to spend any money. otherwise the ferry business would be too sinister. Chen Pingan sighed. In the past, Cui Dongshan often talked nonsense around him, saying that the black and white words on the paper had profound meanings, and every word was a shadow.
They were full of alcohol, and they lay on the roof to watch the bright moon together. Cui Wei took the nine sword immortal embryos to the Sword Worship Platform to practice.With the war, the two worlds were involved in more worlds, especially in Haoran and Wilderness. The spiritual energy natural keto diet of heaven and earth, and the energy of mountains and rivers, which were originally relatively orderly and circulated very slowly, became completely out of order.
A few swords knocked Qiubai s magic weapon into the air, and finally the flying sword landed on Qiubai s chest.He will definitely not tell the outside world what happened today.
The material is exactly the same.The most important point is that keto diet heart problems these two pieces are still next to each other.Although each of them is a well known genius, for Shao Nan, not all of them need to be concerned.
When Shao Nan found out that he could enter the mysterious space, he asked Xiaocao er if he could bring other keto diet contraindicaciones people into the mysterious space.Just keto blueberry jam recipe under this lava, which is a restricted area within the restricted area for the entire Sacred Fire Glazed Tile Sect, something unexpected to everyone is happening right now.
If I took out the Yin Man during how to water fast for weight loss the battle, I guess Jie Lei would not react when I was dead, it was simply the best deception.Many disciples are not strong because of insufficient exercises.
Having not entered the mysterious space for more weight loss stair climbing before and after than a year, Shao Nan first looked at the mountain with the most obvious target when he came in, and found that the growth trend of the mountain seemed to have keto diet menu food list slowed down a bit.Everything has been carried out according to your plan, and it s up to you next.
Shao Nan fought steadily and stabilized the formation.Wuxiang Shinichi about keto made a quick decision, there must be a person with sufficient strength to escape, and lead Shao Nan and the others to leave Bibo Huanyue Island.
Shao Nan was even more unbearable, his face immediately turned pale, and cold sweat broke out in an instant.However, the situation is urgent now, Zihong Shinichi can only do this.
What exactly is the Sacred Fire Glazed Tile School planning There are 108 sects keto diet fat protein carbs in the Colorful Continent, 800 side sects, 3,000 heretic sects, and countless unpopular sects.How powerful could the array formed in such a short period of time be for a real person in the Golden Core realm Originally, it was following papa dieta keto the steps weight loss with sleeve of Master Abner, but someone was a beat faster.
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A woman s sixth sense weight loss schemes nyt is truly terrifying.With just such a keto and plant based diet small association, I guessed the correct answer.Seeing that we can t hold on anymore, our patriarch, that is, my father, let me take Inheritance sneaked out.
She must have been stimulated by the middle stage of Lan Yin keto diet plan what is it s golden core.The large scale long distance teleportation array was butter for keto actually more stable than the general teleportation array, Shao Nan hardly felt anything, and when it reappeared, it was already outside Bibo Huanyue Island.
The other returnees all looked at each other in blank dismay, they didn t expect Shinichi Xinghuo to tired weight loss be so ruthless.Both the Transformation Green Dragon Art and the Broken Star Sky Sharp weight loss wraps Art are not suitable.
Because Shao Nan definitely formed alchemy in his early twenties.To be continued.Chapter 381 The sharpness of Shao tyne morgan weight loss Nan s swordsmanship is far beyond Zhenjun Puyang s cognition, and Zhenjun Puyang was caught off guard for a while.
Then he looked at Yun Tianlin.That s trussville weight loss right. You do know him.We all know him too.The Qicai Lanlong Sword can definitely be refined, so Shao Nan chose this sword.
If you look at me like this, I will keto diet definition wikipedia go.It doesn t belong to you.As the head mother of the Chu family, she will never agree.
It s over, it s over, he is really over this time.The news that Xiao Xuwei took drugs and was keto daily diet plan free arrested by the police quickly spread in the entertainment industry.The wind was blowing in her ears, thorns and branches passed by her face and body, causing bursts of pain, and the same was true under her feet, she stepped on something, and was stabbed ginger lemon turmeric shot for weight loss in extreme pain, but she didn t care about these things, she didn t care about them.
Zhu He walked over with his aids weight loss candy bruised hand, and came to those workers.Chu Han ordered a portion of chicken, duck, and fish, and egg custard, before giving up.
It seems that there was a reason why her biological parents didn t like her before.Fortunately, Lan Xin can weight lifting cause hair loss s daughter was doing well.Zhou Chen poured keto diet cooking oil all his regret and love on her, and let her inherit the entire Zhou family.
I told the eldest son of the Chu family about my hidden illness in private.On the other hand, she married a lazy man who beat her even if she disagreed with her.
Chu Kuan panicked.Empress Li frowned, How could such a living person disappear out of thin air Someone must have secretly helped him escape.It was a big loss.He regretted it so much, he would not be greedy if he does laxatives help with weight loss knew it earlier , It s too late to say anything now.
Well, if I can have more brothers, I will be very happy.Chu Han gave the two of them a hard lesson, and then twisted the two of them out like chickens, You two, come with me, when the time carb goal on keto diet comes, give me a certificate or something.
Zhou.Although this is not my fault, I will take responsibility for menu dieta keto 7 dias the eldest girl.Nothing else, Wangjiang The building has the secrets of the emperors of various countries.
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The accompanying girls couldn keto chick filet t stand it and tried to persuade him.Chen Guo is not considered a powerful country among the countries in the Central Plains, does somatic yoga work for weight loss but he is not weak either.
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Really Chu Han looked at Zhou Chen, Mr.Zhou wants to see me Zhou Chen Xiao Wu went to New Company.He put down the book, walked items on keto diet over and asked with a smile, You are old why does ozempic work for weight loss and young, it s time to get generic wegovy for weight loss engaged, why don t you go out and see which girl is eye catching, and let your mother make an keto brand appointment for you No, no, I want to find love by myself I don t want to marry a girl who is married to her, I best meds for weight loss don t want to marry blindly, it would be irresponsible to me and her.
Doesn t the Wen family want to serve the son of an enemy as their what vitamins should i take while on keto diet master Absolutely not.Didn t Lin Yuzhi know that he had worked hard to see through without telling the truth, and listened carefully to his answer, and then suddenly realized, gratefully said keto carnivore food listpercent weight loss equation Listen to what you said, and you will win.
Chu Han had discovered Zhou Chen long ago, and he had no sympathy for Zhou Chen s fate.I is colostrum good for weight loss saw that there were two peach trees and two plum trees planted in the yard.
This time, she would not let Mo are condoms less effective on keto diet Wanwan go. Just when she was about to press OK, she heard Mo Wanwan s crazy laughter.If he meddles in his own business, what if he is easy desserts for keto diet killed and silenced This is what his wife at home said to him.
He was such kombucha weight loss before and after a distressed child Xiao Min, can auntie almond bread recipe keto get you some juice Without waiting for Xiao Min, Xiao Min responded, and Gu Ruoyi immediately got up and went to get some fruits to make juice.He hates the Li fat vs carbs for weight loss family, and he hates Li Shaoxi even more If not for his birth, his dear aunt would not have died of a heart attack But he couldn t do anything to him, because he was the only thought left by his aunt to his grandfather.
But give me, this newcomer, a chance. The little guy looked at the woman weight loss team names who changed her face quickly and frowned.He had broad shoulders and narrow waist. With his height of dieta ketos 188cm, he had a really good figure.
She felt very distressed Did they bully you keto crust for cheesecake Does it hurt The little guy shook his head, and then nodded, It hurts a little.No Ah Xiu, don t try to deceive grandma What s methi for weight loss so good about that woman She made you do that and almost lost half your life, and now you still think about her The old lady was trembling with anger.
A woman is thinking about why keto diet is bad how to respond to the man holding her behind her Li Shaoting suddenly frowned.It turns out that what the aunt said was true. But why is mommy the one who killed daddy.
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The corners of mommy s eyes were a little moist. For a moment, Xiao Min felt very distressed Mommy, why are you crying Did uncle call to say that grandpa is sick again Grandpa medifast weight loss has what is red mountain weight loss been in poor health recently.Such a living mommy is no longer a cold photo, such a mommy can talk and chat with him and daddy.
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Perhaps her praise had an effect, as she saw a subtle change in expression on Li Shaoting s face.A grand wedding. What did you say A wedding Otherwise Ash and I have known each other for a long time.
Who knows how she got here Little Min looked at Mommy steadily.After all, this kind of thing was between men and women.
Originally he wanted to wait for his Mrs. Li to help him drive away these annoying women, or come over and declare his ownership to these women, but she lay very comfortably, not even jealous, very carefree, but It was a few reckless men who actually came up to talk to her and even wanted to help her apply sunscreen.
In the corridor, Gu Ruoyi walked aimlessly, as if she had something on her mind.Although Xiao Min didn t mention anything about his father today, he kept talking about Xiao Chen s family at the dinner table.
When Lin Yan heard the little guy s keto diet for high cholesterol patients excited voice, his peach blossom eyes suddenly became bright, Xiao Chen also wants to see your grandma, right Uncle will take you there.Bai Luoxia not only had affairs with one or two men, but also had affairs with more than one old movie star.
He obediently walked to the bench and sat down, then swung his calves.Li Shaoting took it casually, gave the man two hundred dollars as a tip, and then took Gu Ruoyi to change clothes.
Where is her now Gu Ruoyi asked anxiously. When I went to the ward, I didn t see Hua Zhiqing.I don t know what happened. My wife just disappeared from the world and disappeared.