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.
Con los elementos de productividad aumentada, los datos de activos inteligentes y los robots, los minoristas están adoptando soluciones tecnológicas para mejorar dicha experiencia de compra.
La tecnología actual puede ayudar a desarrollar y sostener modelos de negocios nuevos y se ha vuelto cada vez más sofisticada. La puerta se abre y es el momento de ingresar.
Centinel-5 Precursor suministrará al programa Copernicus información esencial sobre la composición química de la atmósfera antes de que, en 2021, entre en funcionamiento el instrumento Sentinel-5.
Gui Wujiu shook his body and deflected his direction slightly then, he quickly took a step forward in an extremely disharmonious manner.Ziwei Great Best CBD Gummies for Prostate: Benefits, Reviews, and Expert Opinions
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Wu Wenlin saw that Wenzong s complexion turned sallow and remained silent.Therefore, to deduce its size, After all, it s impossible.
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Jiuzhong Mountain faces the Duan Kong Gate. Different from Dingpan Sect, Duankong Sect is one of the six sects with Lord Riyao Wu in charge.Only with this as a guide can we start to solve the problem.
This object has a special temperament, and you can tell at a glance that it is not real or illusory.Now the situation has changed from the old view. The two sides have used their magical powers and there has been no change.
Usually, there are not too many trivial rules and boundaries between master and apprentice.At this time, when I experience it carefully, I immediately know what is wrong.
Gui Wujiu remained silent, but Qin Qin became more energetic and said a little more aggressively Actually, even if I am intact, I won t help you fight.After saying this, he pulled out a two foot long scroll from his sleeve and presented it with both hands.
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Disciple of Chongxiao Pavilion. Although Gui Wujiu was motionless on the high platform, they were still enjoying it and were anxious to imprint the photogram of Gui Wujiu s true appearance.The unobservable small point returns to the void
The two of them watched intently. The statue is more than 300 feet high, which is certainly an unheard of wonder among ordinary people but in the eyes of monks, in terms of scale, it is not considered a first class workmanship.
After one fluctuation and another increase, it was completely even, forming an evenly divided situation.Gui Wujiu glanced at Lan Yu and said thoughtfully I think this is not suitable for Lan Yu.
Rather than fighting, this is almost painting in the air.Therefore, even the Tianxuan Shangzhen with the most outstanding achievements in the Holy Religion were very polite to him.
It can be seen that their appetite seems to be much greater than I imagined in advance.He is relaxed and has no burden. In addition, in the battle between reality and illusion, he unexpectedly lost to Jiang Minyi due to the changes in Our CBD Life Gummies Reviews: Benefits, Effectiveness, and User Experiences
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Moreover, when Zongli Dao Zun mentioned that the Holy Ancestor came to this world, he seemed to be slightly surprised.However, it is unheard of to apply this method to the body like clothing when not Amazon Bio Heal CBD Gummies - Benefits, Reviews, and Ingredients
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It seems that there is no need to put it out in the open and teach yourself to see it.At the edge of the lake, there is a stone tablet measuring three feet high.
Come with me, Professor Lin En
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He My arms vaguely felt this terrifying chill At this moment, the dazzling divine light suddenly disappeared without a trace.Hatar was shocked. Regardless of the report from Nord and others in the hall, the secret report sent by Gad, the information above It s enough to describe it as an exaggeration.
If twenty airships equipped with magic crystal cannons were to attack the Iyetta harbor, without the great wizard Herram taking action, the entire city would undoubtedly be reduced to ruins.The walls were covered with moss, and a gust of wind brought up a stench.
It feels like a war can still be fought like this. But what if the enemy sends cavalry to outflank him After hesitating, Luo Wen quickly thought of the omissions in this tactic and asked eagerly.He could even temporarily freeze the maelstrom known as the natural disaster Eye of Death by casting spells with all his strength.
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I want to challenge Ning Si, the descendant of this generation of Tai Chi sword As soon as these words fell, there was an uproar.It s Did Kelly Clarkson Really Lose Weight with Keto Gummies?
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It is unique and has benefited me a lot. Lu Yu thought thoughtfully.However, the death penalty can be avoided, but the living penalty cannot be escaped.
And there is no Not the slightest bit of erysipelas.But no one dared to disturb Lu Yu, Su Jiahui, Liu Wenge and others.
If you dare to escape, you may be faced with an overwhelming attack.Su Jiahui thought for a while and said. Liu Wenge frowned slightly and said helplessly, I ll just How Much Time Take to Lose Weight
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In the next three seconds, he packed up the sniper equipment, put it in the box, held a thick rope, and jumped out of the tall building.A warm color appeared in Lu Yu s eyes, and he comforted softly Mother, it s okay It s Expert Insights: Benefits of Shark Tank Weight Loss Products
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Lu Yu frowned slightly, but he didn t expect that he only had 749 points.Can these outsiders really defeat the Qi family If you haven t fought before, I m afraid it will be difficult to end today.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.