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.
Un factor que cambiará la dinámica de las compras por internet será la alta penetración de usuarios de smartphones, tanto en los mercados desarrollados como en los emergentes.
IDC calcula que las empresas dedicarán al menos 28% de su presupuesto de TI a la contratación de servicios en la nube durante 2017, con lo que inician la transición a un modelo de consumo bajo un esquema de Opex (gasto operativo).
El presidente de la Comisión de Educación, Gordon Brown, y Shakira Mebarak, miembro de la Comisión, hicieron un llamado urgente a los líderes mundiales para que incluyan a la educación en la agenda de la cumbre de este año.
Microsoft acerca a las personas y a las empresas a la tecnología, y este proyecto en conjunto con Schneider Electric es solo un ejemplo de los esfuerzos que se están haciendo para lograrlo.
He also knew that it was impossible to compete with Gong Xinlan, so he forcibly held back his emotions, and finally embroidered this special feeling into a brocade handkerchief and gave it to Lin Haoming For Lin Haoming, it s a good thing she chose to leave, otherwise it would be really difficult, Lin Haoming asked himself, he has always been soft hearted towards women.
After leaving, he went directly to Tianxu Fort through the teleportation array, and arrived at the mission tower without stopping.This is a letter from Mrs. Buy 10mg CBD Gummies: Unlock the Power of CBD for a Happier, Healthier You
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Your Majesty Lin, you don t need to be too polite. You ve said what you need to say.Worm, this kind of marrow eating insect Gu is not comparable to the small things called marrow eating insects in Dongzhou.
When it got down, the Yuanjing Cannon fired another round, and then sent people to rush up again, but this time the fast boat hadn t rushed near the reefs, and suddenly the opponent was still shrouded in thick fog, and the light flickered a few times.Seeing such a situation, he desperately sent people to search nearby, but still did not find any signs of enemies swarming in the dark.
Since these arrested people are trying to find a way everywhere, Lin Haoming also deliberately gave favors to many people, especially Bao Wanchang.Yamen is gone. After finishing some trivial matters, Lin Haoming returned to Houya, but Qiniang took out a stack of invitation letters.
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Compared with disciples, the value of this pill is much more important than cultivating a disciple.Liu Tianbo also looked at Yao Dong without showing weakness, and said quite firmly It s not that the Land Thief City has never recruited water bandits, but none of them will end well after being recruited, so who would be willing to recruit But Mr.
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Master Qi has always been famous for his vigorous and resolute actions, and he has indeed solved many cases in his hands, but
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Tianbo is an important person, I m afraid this Master Qi will use too much force and accidentally kill him Miao Dingkun said.
Wang Shuli said. Master Wang only knows one thing and doesn t know the other.Yao, Mrs. Yao, you re being polite Han Ningxiang immediately responded obediently.
When the surrounding magic cloud dissipated, Lin Haoming also opened his eyes.Those officials in the past were even more ruthless Ye Juan said angrily.
Now it is no problem to destroy the T26 of the Eighth Route Army by shooting at close range.Then Li Yunlong said to the map Look at this Zhongtiao Mountain, although it is more than 100 kilometers long, it is only a dozen kilometers wide, Biolife CBD Gummies for ED: Exploring Their Efficacy and Benefits
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Among the three carriages, there is a chariot parked in each of them.They can also hide in houses and use darkness to strike light.
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The problem is that advancing along the road means occupying the high ground on both sides of the road and need to clear the guerrillas around the high ground to prevent surprise attacks.The steel of these guns is high quality steel, and we can melt these guns into the production Citi officially Yes Yes The chief agreed This is a good idea We have more than 70,000 rifles that are being used at a super intensive level.
If this was in normal times, the Jinsui Army might still take Adjutant Zhang seriously.When they arrived in the Northeast, they divided a large field and then divided it into dozens of Chinese people for their labor in fact, they were slaves and directly became landlords.
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for stubborn soldiers It s what we want, isn t that all Make wedding clothes for others How did Li Yunlong know that Wang Xuexin was expressing an attitude, which is the grand strategy of the Eighth Route Army at this stage, everything is for the war of resistance rather than internal friction.
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I was excited because I once lamented that it was far away to regain Yuncheng, and even worried that I would be driven out of Shanxi by the devils and be completely recruited by the recalcitrant army.Even if Stilwell had prepared beforehand, it was no exception.
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Then Skinner understood. If there is no standard for warhead weight, etc.This made Chi Shangxianji, who escaped on the side three rounds, not know how to report to his superiors.
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The scene just now shocked them. At this time, there are ten figures reappearing from all directions in the world.The whole Nalan family is like this, and the background of Wanlong Nest may be even more terrifying.
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At the same time, he said, divide four people into destroying the four pillars tied with dragons.Damn it, it s the Zanhundao, how do you have such a thing He let out a terrified roar with an expression of resignation.
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The middle aged man s expression changed, and he turned around and left.The people in the Xuantian Pavilion shouted angrily.
The people in the cave were desperate. They found that the servants of the past had returned, and they had become so terrifying.Lin Xuan was surprised. He didn t expect that the other party was related to the Great Destroyer.
Just treat this life saving grace as a deal, and there will be no intersection after that.Damn it, Elder Lan didn t dare to be careless anymore, and quickly opened the blue smoke bottle.
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Yue shook her head, walked, went back. Please pay attention to rest your eyes when reading for a long time.These disciples discussed here, They didn t know that the one who defeated Mo Duxing was Lin Xuan, whom Top 5 Amazon Keto Pills from Shark Tank for Winter Holiday Season: A Comprehensive Review
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reincarnation on the black sword was completely absorbed by him, and he felt that he had become more powerful than before, and he could even build a simple reincarnation channel.Hearing this voice, Xue Qi was taken aback, then took a deep breath, she stepped back and came to the side of the main hall, said through voice transmission, don t come out, they will find you.
But Androvich advocates flexible and maneuverable operations.When the first batch of engineering shovels are delivered, they will have one immediately, and the remaining ten will be distributed to the squad leader.
In fact, it is a whole platform with a height difference from the landing ship, and then the landing ship is driven to the platform and then the landing board is put down
So there is no height difference for the tank, and it can be directly driven up.Wang Xuexin went on to say First of all, we already have a few tanks in our hands.
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Because this matter needs to be contacted and coordinated with the intelligence personnel of the Jinsui Army Defense Zone, it is naturally handed over to the Chief of Staff.Are we still here Are you in the devil s encirclement You, a spy, have found it, but we ve been messing around all night Wang Xuexin had already made up his mind about this, and instead of answering, he How Does Nutrisystem Work: Uncovering the Secrets to Weight Loss Efficiency
asked, Commander, where did these devils from Maweipo come from You don t need to ask Li Yunlong replied It was transferred from the blockade line, the devil has soldiers there
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Li Yunlong and Zhao Gang were still sorting out the collected information one second before the meeting.If calculated at a speed of 50 kilometers per hour, it will take more than four hours to drive.
That s not how the chief calculates. I can t help it.On the one hand, it was because the train continued to whistle, and the piercing sound combined with the gunfire and gunfire on the battlefield combined, so that Chi Shangxianji s shout could not be heard at all, and his subordinates only saw his mouth moving but did not hear anything arrive.
Not only did he not ask, he also told Zhao Gang and others not to ask.Then why do you need this kind of gun and this kind of bullet To be more precise, wouldn t it be enough to leave such guns and bullets 7 Juicing to Lose Weight Recipes for a Slimmer You
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Thinking about it this way, there is a range between the range of more than 100 meters and the range of 800 meters.
In short, with this thing, you can fight against the air, against the tank, and against the infantry.Wang Xuexin didn t answer. He just took out an engineering shovel from the side, looked back and forth, and said, Adjutant Sun, if we
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I arrived at the entrance of the village, I saw Li Yunlong and several guards waiting there.
The problem is that Wang Xuexin has six companies and dozens of tanks under him.There is a saying in Huaxia, which is you don t have to be suspicious Stilwell said This means that if we plan to cooperate with it, we should not be suspicious of it, it will only be a bad thing.
If this How can we fight this battle if the information reaches the devils With a bang, he hung up the phone.The reconnaissance plane belonging to Komura saw the battle situation and sent this disastrous defeat that the empire had never suffered on the Discover the Ketosis Gummies Shark Tank Endorsed for Winter in Canada, 2025!
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But immediately afterwards, the Army sent another telegram to Major Thomas Do your job well, Thomas, other matters are not within our scope of responsibility Thomas squinted at Wilson who was not far away, and Wilson happened to be looking at here.The Research Bureau has adopted these suggestions and given unprecedented recognition to our work.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.