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.
Esta nueva dinámica exigirá un servicio al cliente mucho más riguroso, ágil y expedito, especialmente porque las nuevas generaciones realizan un uso más intensivo de los dispositivos como teléfonos inteligentes, tabletas o computadoras portátiles.
La implementación de estos consejos puede reducir significativamente la cantidad de inventario dañado, lo que resulta en ahorros económicos y en la protección de los empleados. Al adoptar prácticas de gestión de almacenes centradas en la seguridad y la eficiencia, los propietarios de negocios pueden optimizar sus operaciones y minimizar el riesgo de pérdidas
La atención al cliente es un traje a la medida. Existen compañías que pueden prescindir totalmente de las líneas telefónicas; existen otras que requieren interactuar por ese medio.
Its wings are really too sharp, and when it turns, it cuts countless cracks in the entire void.Lin Xuan held the sword and watched all this silently, but did not stop it.
The three scarlet blooded birds are also ancient alien species, possessing three heads and three attributes of wind, thunder and fire.However, they couldn t get close at all, and the aftermath of that energy alone would blow them away.
Hmph, let him be arrogant, and see how he dies later Dare to fight us, this is his fate The few who suffered before King, now gloating, it is obvious that they are very confident in the man in red.He didn t expect that the other party would dare to make a move, which was too insane, so at this moment, he didn t care about his status as a king, and decided to make a decisive move to kill the little thief in front of him.
There is no way, in the face of so many powerful people, no seventh level venerable can be spared.Plop, the young warrior fell hard into the orchard.
Because on the back of the necks of the Recipe Secret The Discover Cgc45s5al For Goals Natural Wellness Mounjaro two of them, the black flame pattern that was originally the size of a fingernail suddenly jumped up at this moment.Resplendent and resplendent, shining brightly. And this golden sedan chair was carried by eight people.
It can be said to be a very pure source of energy. And if the two are used together, it can also enhance the warrior s Method Goldberg Miracle Loss Ruw54f Whoopi Weight Her Christmas martial soul.On the other side, Wuying from the Assassination Hall snorted coldly and shook his head slightly.
You are really a one star king. Let me tell you, Dong Qianshan, you have really regressed as you live, and you were actually defeated by a one You 1cvs8 Weight Vinegar What Mix September Do To Apple Cider Lose With star king.However, no matter how they howled, they couldn t change the fact in front of them.
They also quickly used their unique skills and ruthlessly blasted towards Tian Youque.This powerful man with great power in his hands is also deeply moved at this moment.
However, now, in this hall, there are countless heads of Nine Layered Venerables, which is really shocking.That cyan sword energy was really terrifying, and with his physique, he couldn t resist it at all.
Sure enough, the front is not a boundless sea, but a vast land.This is undoubtedly good news for them. The night passed in a hurry.
The blood red mist contained a terrifying evil spirit, and it was extremely poisonous.Lin Xuan s body was filled with murderous aura, and the sea of blood surged behind him, and the boundless killing intent instantly enveloped the entire hall.
But they didn t know the result. They can only wait patiently, because no one dares to watch the battle.Isn t Tianjiao used to describe the younger generation Lin Xuan looked at Ye Gucheng in the center suspiciously, he already looked like a middle aged man.
Immediately, these people speeded up, and three of them were even faster than they were.As soon as that Qiongqi appeared, he roared up to the sky, and then rushed forward quickly, breaking the huge golden claw of the golden lion immediately.
This time, I want to give the Duan family a big gift.This is a gorgeous dividing line , I am from the Zhao family What Zhao family Kevin How Loss James Weight Shed In Q8m Pounds He Journey When the words came out, everyone was shocked.
Father is still alive, and he is in Tianwu Continent.Because that day in the God of War Palace, Lin Xuan instantly recruited two king level monsters, and Lin Xuan himself also has king level combat power.
They stared ahead, their bodies began to tremble. Everyone was dumbfounded, Tian Youque was dead, how could he still be able to talk However, this cold voice was clearly Tian Youque s, and it even came Clarksons Fatburning The Gummies Weight Secret In Loss Ultimate Kelly U9n from the corpse in front of him.Because they found that they really underestimated Lin Xuan s combat power, even the attack of the Ninth Layer Venerable can be broken so easily, it is really Netizens please Gummies Secret Weight Used Cu R1b To Surprising Her Loss Success Keto The Kelly Clarkson remind Please pay attention to rest your eyes when reading for a long time.
Don t make trouble. Lin Xuan walked to Murong Qingcheng s side and quickly comforted him.The terrifying ghostly aura spread in all directions, filling the entire space.
Lin Xuan was about to pay, but the red haired young man quickly interrupted Wait, I changed my mind.I believe that it won t be long before the Black Dragon Sect will react, and it will definitely send a large number of strong men.
Lin Xuan, unexpectedly he finally came out. Those young talents beside him also turned their heads to look, and among them, Wei Wufeng s eyes burst out with astonishing light.His face was flushed, his eyes were even more gloomy, and he quickly glanced around.
No matter how strong that kid is, he can t beat our Senior Brother Yanfeng.As soon as these words came out, many kings were shocked.
Yes, although the Duan family was hit hard, it was not enough to bring them down, and there were two of them, Mr.Seeing that the other party didn t blow away his palm before, he still showed a smug expression on his face.
Chu Yu said Yes, that s right, to participate in the martial arts competition.However, Lin Xuan found that with his soul power, he was still unable to fully enter, which shocked him even more.
Not only that, but where the sword qi passed, everything started to burn.It can be said that returning to the king s state is the most proud thing he has done in a while.
Immediately, five pawn warriors quickly formed and charged towards him.If this is the case, it will be over, Lin Xuan breathed a sigh of relief, I must use the last resort.
Lin Xuan knew that his goal had been achieved. Next, Lin Xuan lived Loss Of For Vinegar To What With Cider Apple J29 Mix Pounds in Shenjian Villa for a few more days.Afterwards, the injuries on his body recovered as before, but the golden field was still extremely dim.
These old men couldn t bear it anymore. Okay. Dean Xuan also knew that these people were anxious, and he believed that these old guys would not do anything to hurt Lin Xuan.The Seventh Layer Venerable came to carry the sedan chair, which is definitely a shocking masterpiece.
Because these two guys are greedy for money, it is impossible to lose the treasure so easily.As its own energy, its powerful body can indeed be called full of magic.
Yes, it is indeed an afterimage. Lin Xuan performed the Heavenly Dragon Eight Steps, and the speed reached an unbelievable level.However, the flaming giant sword here is really shocking, it is not a sword at all, but a dragon.
He slapped out his palm, slapped the opponent away, and then returned to the original position again.Boom boom boom The sky shattered, the earth sank, the Golden Lion King vomited blood, and the armor on his body was shattered again.
But fortunately, he has a post earth physique, so at this moment, he is wearing a layer of earth armor.Hmph Seeing this scene, Lin Xuan snorted coldly, and directly used the Dragon Sword Domain to envelop the opponent.
Obviously, he never expected that Lin Xuan would perform a soul attack.The light in his eyes radiated, and then his figure flickered, turning into a flash of lightning, and quickly killed Lin Xuan.
Those who supported the eighth prince before were worried at first, but seeing this scene, they all burst into Pounds Lost Journey He 4id9 How Weight Pompeos Mike Loss Over laughter.Sensing this aura, the expressions of the warriors around changed, and some even exclaimed, look, the other party is about to use a unique move.
A sword fell, Lin Xuan did not stop. He probably opened the Dahehe, swung the terrifying magic sword, and could split the void with just a lift of his hand.Be careful, this should be a monster summoned by the formation.
I never thought that today, I would meet a boy who is even more insane than me.If there is no formation defense, it can definitely be taken out.
After a third of the time, I found that there was nothing inside.The woman in purple said coldly. At this moment, the man in black also said, Just follow what you did before.
The next moment, he turned towards Murong Qingcheng who was facing the sky, and showed a confident smile.All of these sword qis were enhanced with the power of the Great Dragon Sword Soul, making them extremely sharp.
Because it won t be long before that formation will cover him again.
It could only keep grinding its sharp teeth, and snorted frantically in its heart Boy, just wait, one day, I In Explosion Ketosis Tank The Interest Blast Keto Shark Of 5pqr6 will definitely eat you with my own mouth.Well, the little snow white monkey also looked unhappy, waving its little paws and wanting to pounce on it.
There is no way, the scene 40jdj4gq Gummies En Biolyfe Keto Shark Tank Xf where the Black Dragon Cult was destroyed before was really terrible, I am afraid they will never forget it for the rest of their lives.His wings vibrated like heavenly knives, opened and closed, and cut off the two water dragons in an instant.
But the more they fought, the more shocked they became.He had also heard of several talented disciples of the King s family, but Lin Xuan in front of him was completely inconsistent with the information he knew, that is to say, the other party was not from the King s family.
In the end, they were burned to ashes by the merciless sea of fire, leaving nothing behind.The next moment, Tianyouque opened its mouth wide, and the black ball of light flew out instantly like a shooting star.
But if the success rate is not high, we old men will not let you take risks.That tree demon is so powerful, I am afraid that only the Yae Venerable can contend.
Soon, the huge golden sedan chair stopped above Lin Xuan and the others.This approach is too arrogant and domineering. I won t agree, so there will definitely be a big battle.
Many people even went blank and fell from the sky. The spirit boat in the distance is shining with incomparable light, and the formations on it are fully opened to resist this incoming force.The dark red dragon was very excited. Now that it has reached the King Realm, it naturally wants to find someone to practice with, and the leader of the Black Dragon Sect happens to be a good prey.
Afterwards, he grasped the black magic furnace in his hand and swept across the four directions.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.