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.
Este 2018, Panda Express y toda la comunidad china da la bienvenida al Año del Perro, un signo caracterizado por la armonía en la vida familiar, el patriotismo y la lealtad.
De acuerdo con datos del Inegi, las PyME generan 52% del Producto Interno Bruto y el 72% del empleo en México, por esta razón son esenciales para el crecimiento económico.
Qin Feng was amused, pointed at him and said to Miao Jin Look, what does a half pot of water jingle Miao Jin glanced at An Jiuxiao and said lightly That Wu Mian It s really nothing, but the old man next to him is unfathomable
Miao Jin s level was higher than that of An Jiuxiao, and both he and Qin Feng immediately noticed the man next to Wu Mian.
It stands to reason that the Wumeng headquarters should be prepared.Such a small role is not worthy of his wink Two days ago, someone beat my son in the bar.
Wu Mian glanced at her coldly Okay, that s it for today.As long as Qin Feng said a word, Mr. Zeng could crush them to death.
By the way, he also glanced at Qin Feng over there That kid, too, mind your own business.But please give me another chance. I will definitely bring Qin Feng s head back to you Even though he lost yesterday , but after he came back and learned from the experience, he only felt that he lacked actual combat Harmony Leaf CBD Gummies Side Effects: Separating Fact from Fiction for a Harmonious You
experience, and he did underestimate the enemy.
How much suffering will you have to suffer with him Kick him and follow me to make you popular.I really don t know how to thank you. Qin Feng smiled and disagreed.
The realm has gone up, but your own strength may not have really caught up.Let s go to the table and eat With that said, he didn t even care about the others, and pulled Qin Feng away.
By the time we got to the hotel, the writing on the paper had been blurred by the rain, and the two of them had no contact anymore.Will it really be profitable for them to rashly instigate the Second Young Master After leaving the hotel, Qin Feng took a taxi directly back to Wolong Villa.
It must be recorded in the case. After leaving a record of the case, the three generations directly will be stained
The old man said Finding the Best CBD Gummies for Arthritis Pain: A Comprehensive Guide (FnKIH)
just The Benefits of Natrol Melatonin Gummies for Adults: A Comprehensive Guide (pyvBj)
now, He is barefoot and is not afraid of wearing shoes.You are famous. I think if you can build a good relationship with them and participate in this martial arts conference and stand out, you might have a chance to become famous in martial arts in the future She I know Qin Feng is not short of money, but I don t know how much money Qin Feng has.
No one knew about it except Ye Rufeng s parents and him.Coincidentally, although Xinlongmen had no intention of joining the Martial League, Dai Ruolan s mother became friends with Mrs.
After everything was stored, Ye Ling said calmly None of us have obtained anything.They are arranged in formations and attack and defend in a measured manner.
The original arrogance has now become a joke in the eyes of everyone The second brother was like this, and Zhuo Lao Qi Zhuo Wuchan was beaten back by the sword spirit puppet that was suddenly summoned.When they arrived at the entrance of Huanhai Cave, they saw many groups Best Keto Apple Cider Gummies for Weight Loss: Boost Your Metabolism and Reach Your Goals
of monks, who also stopped to watch the rippling waves on the sea floor, with ancient inscriptions carved on them vaguely visible.
A treasure, while listening attentively. He knew something about the origin of the Shura Blood Blade.Since I left Maple Bridge Town, the tide has risen all the way.
After saying that, he swallowed the elixir by the tomb passage and meditated to recover.But when the Tiandan Immortal Sect disciples in the square saw the arrival of their ancestor, Venerable White Dragon, they just bowed and clasped their fists See you, Understanding the Benefits of CV Sciences CBD Gummies for a Balanced Life
ancestor Ye Ling subconsciously wanted to clasp his hands, but then he thought that his identity as Xie Xiu Muhan must not be 5 Expert-Recommended Best Matcha Tea for Weight Loss to Enjoy During Winter Festivities
exposed, especially in front of the old guy Zhou Tongan Ye Ling stopped and bowed his hands, standing in the crowd, looking at Zhou Tong an, the ancestor of the Zhou family, from a distance, his eyes becoming extremely cold.
That s what the Sect Master said Look at the pious look of the Golden Crow Tribe, Do you really think that the God of Thunder they worship will protect them Humph, if it really worked, we wouldn t be trapped until today The Jindan elder of Beizawa Sect didn t take the vision in front of him seriously at all, and proudly Among the monks in the country, there are also different opinions Vitamin D3 Gummies for Adults: A Comprehensive Guide to Supporting Immune and Bone Health (HVlIO)
and they can t agree on one thing, and they are all watching from a distance.
Die From Ye Ling s point of view, he is going to Wuzhou City, and Hanshui Ridge is the only way to pass.Siko Tingyan quickly pulled Xiao Tao over Master, she said it The guy named Mu lives here.
readx Amidst the greetings from the disciples of the Immortal Sect, the clouds of the Heavenly Pill Patriarch, Venerable Bailong, rose, carrying Ye Ling, and flew deep into the Xingyan Islands
iue. no Let s go to Huoyan Island Ancestor Tiandan s eyes narrowed, and he seemed to have made up his mind, and said slowly This trip is known to heaven Revamp Your Diet Plan with These 7 Hypothyroidism-Friendly Weight Loss Tips
and earth.
What they sell is nothing more than scams. Do you really think that the goods of a human being are really powdered medicine Even if it is true, I don t care about it Yes The Fourth Young Master is so noble, how can he go to the evil cultivator s stall to choose medicine powder Being seen by others, wouldn t it be embarrassing and worthless The fellow disciple who followed the Fourth Young Master quickly apologized and helped the Young Master recruit strong foundation building players as teammates.
I ll leave it to you, my aunt, let s get out of the city without further delay Ye Ling nodded Miss Qu Er, come with me A group of four people came out of the deep courtyard of the Qu family and saw Deng Tong in the distance above the city.The face of the old catfish demon changed, and he shouted in a deep voice Who Who is pretending to be a ghost Dare you show up The blue black fish demon was holding the elixir Vitamin C Gummies for Adults Philippines: A Comprehensive Guide to Boosting Immunity (Diftx)
bottle of the Jade Phosphorus Rotten Bone Pill, and had just corroded several golden elixir demon corpses in one breath.
Lu Binglan and Mu Jinwei followed closely behind. Although Lu Binglan was carrying the pink spirit rabbit given to her by Ye Ling, she still stayed.Obviously, this Qiuyuan Villa The young owner of the villa, his tone was much gentler, and he was much more enthusiastic than before Ye Ling stopped the light of his sword, turned around and said calmly What s the matter If it doesn t do me any good, I won t accompany you.
We, the Nine Great Immortal Sects, are in need of demon cultivators like you.Promote Meng Chang to be an inner disciple. Ye Ling waved his hand.
There are also rare treasures brought by monks from all over, which are much better than the original shops in Yuyang Town.They came down the mountain like tigers one by one.
Here, if you feed the giant whale, you may still have a chance to survive, so why do you want to play with the giant whale Isn t this a challenge to the giant whale s endurance In the almost furious state of the giant whale, Ye Ling once again took four pictures I opened a storage bag with my own Finding Restful Sleep with 5 mg THC Sleep Gummies: A Comprehensive Guide (TGBQr)
hands, and thousands of spiritual fruits floated out.
It was indeed a quiet and good place. Tang Die very diligently cleaned Ye Ling s cave, folded quilts and made the bed.With her own strength, even if she rushed into the green light of the Poison Repelling Pearl, even without Ye Ling and Yi The fire witch and these two strange women couldn t win over the old Understanding the Benefits of Renew Calm CBD Gummies for a Healthier Lifestyle
catfish demon or the poison proofing beads, so they had to give up.
The escort badge was designed by Luo Chen. Each piece is the size of an egg.Only like this, with fighting and making noise, can we be more energetic and smoky, and can we show more affection.
She didn t care about Liu Qingyang s virtues and still guarded the door with an expressionless face.ordered. Yes The bearded bandit hurriedly led a team of 100 people around.
Looking at these people, Luo Chen s eyes suddenly narrowed, because these fifteen people seemed to be from the same sect, and the four leading them were actually at the early stage of first rate martial arts, and the remaining eleven were also at the Losing Weight Made Easy: How to Lose Weight Naturally Without Exercise
early stage of second rate martial arts.The auspicious time has come, unveiling Shopkeeper Qian shouted when he saw that the time was almost up.
At this time, Luo Chen was even more curious about the small tree.He didn t dare to neglect when Qin Yihan asked. Back to the gang leader, since you broke through to the second rate warrior level, there has been little reaction from the government.
At this time, Liu Qingyang had a gold jade crown binding his hair, and a neat white brocade dress with gold edges.That s good Mu Bai was immediately relieved. Come, but before his heart was settled, Luo Chen suddenly spoke No Did you see something else What thing Zheng Xiaoliu and Mu Bai immediately looked at Luo Chen in horror.
Seeing that there was no one on the wall, the thin second brother tried his best to climb up the wall, but his arm was suddenly grabbed by the strong boss.Then, holding the curled dagger in his right hand, he suddenly Stab towards the soles of Luo Chen s feet.
Don t The Anabolic Fasting Protocol (Eat Stop Eat) Reviewing Brad Pilon Latest Muscle Building Weight Loss System
worry about this yet The charming young man shook his head, then looked at the warrior below, and said with an evil smile I didn t expect it I actually caught a few big fish in this net.I also ask Master Luo to spare my life. The treasure place Luo Chen Chen s eyes lit up when he heard this, Come back and lead the way Although Luo Chen could also use his perception to find out where the treasure was hidden, now that someone would lead the way, he would save himself the trouble.
Luo Chen was stunned when he saw this scene. But then, his perception saw the bald man and others hiding on the other side of the horse.Seeing that there was nothing unusual about the stone tablet, except that Hollyweed CBD Reviews: A Comprehensive Guide to the Best CBD Products (zNKEk)
it was closed, the three of them did not pay too much attention to it.
In addition, there are two mares and a foal. One of the mares has an injured hind leg and is lying on the ground.In view of his humble position, forget it The ninth grade guard who was beaten by Luo Chen looked away from Luo Chen viciously.
In the office of the head of Jiange After reading the message on the note in his hand, Jian Wutian was so angry that he instantly turned the note into ashes.Once the Seven child Jade Lotus is separated from the Yuhuaye for a long time, it will collapse.
As soon as he said this, the hall suddenly became quiet.I think you should just admit defeat Save grandpa from having to do it.
Therefore, Luo Chen stopped picking up the spear and allowed the barbarian army to leave arrogantly.Thinking of Luo Chen s bloodthirsty eyes, Liu Qingyang The Benefits and Effects of Mango CBD Gummies: A Comprehensive Guide (OKjhw)
no longer dared to look around, let alone the beautiful figure in front of the door.
The people from the major forces sitting in the front row also cheered up.What Zheng Xiaoliu looked at the pill in his hand in shock, and then looked at Luo Chen These two pills can completely cure it.
Ho ho
you
how are you
Being helped by his own warrior to sit up, Zhao Yi s mouth was bleeding, his eyes widened, and he pointed vaguely at Luo Tianyu.Although Zong Ningzhao was not afraid of this first class old man, this was the Colosseum, and he had to hold back his anger no matter how angry he was.
Qin Feng saw 1000 mg CBD Gummies: Benefits, Side Effects, and Expert Reviews
that he was not a big traitor and had never done anything to harm innocent people, so he interceded for him and gave him a chance to make amends for his past mistakes.The wealthy young men of the Flower Protector will grit their teeth with jealousy
Zeng Keyi s identity is known to everyone present.
I m afraid you have found the wrong person. The masked man sneered Stop talking nonsense, since I will come to the door, I will never find the wrong Divinity Labs CBD Gummies Review: Benefits, Effects, and Expert Opinions
person.Isn t it against the rules for you to do this Here, what I say are the rules.
Her fist was caught by Qin Feng, and her left hand immediately struck the side of Qin Feng s neck with a knife.Let Effective Strategies for Ashley Graham Weight Loss
alone his disciples, even the head of the family may not be able to control him.
However, many people still left business cards and told Qin Feng that he could contact them at any time if he wanted to change jobs.Not to mention that she was friends with him, even if he was a strange general, as long as he had shed blood and sweat for the people, he didn t want to see her get hurt.
Mr. Dong and Mr. Chu are still sitting on the court, and their next generation has already competed on the stage.After going shopping in the city first and buying a bunch of brand new clothes, jewelry and cosmetics for Tang Kexin despite Qin Shufang s objection, the group went to the Pearl Tower.
They could only look down through the floor to ceiling windows, and they were not even qualified to bid in the auction
Lin Wan er was standing upstairs at this time, looking down just in time to see Qin Feng and the others.Mr. Yu is her personal guard and the person left to her by Huang Jiang.
He said Then, her attention returned to the people in Panlong Hall again I didn t expect that after ten years, there are still so few people in Panlong Hall.But in matters of martial arts, there is no room for idle battles.
Dai Ruoqing had laughed enough, and then he responded to her Yes, our Mr.No one dares to offend this second master. Second brother, what s going on Although Liu Si was impulsive, he was not stupid.
Everyone saw Miao Jin s palm just now. Although his skills were flexible enough, his strength was indeed average.When he saw the caller ID, Qin Feng was even a little surprised Why would Han Qiusheng call me Although his identity as the new Dragon Lord has been made public in the Martial Palace, on his first day in Dragon City, He could tell that Han Qiusheng and Du Bangyan did not trust him.
I heard that you accepted Guigu Liuli s gift today.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.