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.
El balance entre sostenibilidad y costos es posible con iniciativas como la electrificación de flotas y la educación de proveedores en prácticas ESG. Estos cambios permiten operar de manera sostenible y fortalecer la cadena de suministro en el largo plazo. ¡Un enfoque resiliente y verde es el camino para construir cadenas de suministro competitivas y preparadas para el futuro!
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Fortunately.Master Fengliang just took a breath, and didn t take the initiative to slow down.Mean.Understood, understood Shao Nan nodded repeatedly.
Except for the Void Returning in the sect, there is really no one else who can do this.Shao Nan became more and more nervous, changing the subject is not a good sign.
Master, what are your orders Shao Nan originally wanted to return to his sword training ground to practice swords, but Zhenjun Gan Yan left him behind.Now, 1670 people have lost their fighting power, and the Xuanlei Yuanhuo Formation still hasn t collapsed.
Shao Nan followed Lan Yin s words and analyzed.That s right You must have noticed it from my search for materials this time, right Lan Yin nodded vigorously.If you are lucky this time and get the spiritual meal from Boss Chai, you must be able to break through to the late stage of foundation establishment just around the corner.
Unexpectedly, Shao Nan had just established the foundation when he set off, and now it is already in the middle stage of Jindan before the letter is delivered.This matter must not be discovered by a third person, otherwise everything will be difficult to say.
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I don t know if the fire sword will fall apart in surprise.Junior Nephew Jinding, we just want to know what happened.
The only problem is that we can come back after a long circle.Lan Yuanzhou laughed and solved the puzzle.That is to say, there are two fire control experts today Shao Nan keenly grasped the key point Lan Yuanzhou said.
So when Xinghuo Shinichi played the first series of spells, Shao Nan knew that Xinghuo Shinichi was going to forcibly refine the fire spirit dragon in the formation.Shao Nan originally wanted to take the opportunity to tease Lan Yuanzhou a few words, but before Shao Nan could speak, his expression changed.
Huh Gu Yueyou Shao Nan was stunned for a moment when he heard this familiar voice, but he tilted his hand accordingly.For the past ten days, Shao Nan has been studying how to compress all his steps into just one minute.
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I was playful when I was a child, and I was scolded every time. When he gets sad, he will run away from home and go How To Fft647qc Lose Weight Without Exercise Simple Strategies For shopping on Taixiang Street and Yuhu Street, complaining that his master is a pauper, and thinking about how he would need to eat so much if he were accepted as a disciple by those rich swordsmen.
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Lazy. Well, this is an excellent statement. Cui Chang will never allow Han Yushu and his like to live a thousand years without saying anything, and fish in troubled waters and take the opportunity to steal high positions.
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Because I couldn t imagine that the old lady would be as cruel as the children of the Ye family.She sat down and watched with interest. This little kitten.
Half an hour later. Gu Ruoyi walked out of the room restlessly.I wonder if he moved her to the ward. Oh, I forgot to tell you.
It was unbearable to deceive, this was not the first time he asked himself where his mother had gone.That cold blooded man was willing to starve this little baby.
Among Li Shaoting s brothers, there is actually one with a superior IQ puff As soon as he said this, Lin Yan laughed heartlessly and laughed so much that his stomach hurt.Xinran Xiao Min needs a father. Suddenly, Mu Xinran raised her head and interrupted Ye Zixiu, I can see that Xiao Min likes you very much.
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There will be a costume competition soon, and I plan to enter these works into the competition.Hearing this, Li Shaoting s handsome face suddenly became gloomy and ugly.
Li every week. Send a message, at least she now believes that Qian Ziran is working abroad I dare not let her know about this.Li Shaoting was stunned for a moment. Unexpectedly, he really believed it.
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She walked to the little guy, helped him tidy up his clothes, and said softly Today is Saturday, and all the children don t have to go to school.You all seem to have forgotten the child who was pushed at the school gate.
Tony got second place, and she was quite happy for him.Li Shaoting, has Ye Zixiu not been able to make Xinran accept him in the past two years I met Xinran twice in the apartment complex, and each time it was the same.
Ye Zixiu, you are simply a scumbag Do you think I will forgive you if you die However, as I thought about it, my eyes couldn t help but get wet.Ou Xiaoman s words further confirmed his guess. It means that the person who slandered Gu Chenxi and was arrested is their boss.
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Outside, there was indeed a young girl standing outside, who was Zhang Zhongcai s stepdaughter Lan Xin.Seeing that Su Yurou died, Duke Rong felt a great sense of revenge, closed his eyes, turned and left, and returned to Duke Rong s mansion.
Husband, you go and talk to your parents and leave.The Chu family took pity on me and left me in the Chu family.
Chu Han replied.Feng Wencai s heart skipped a beat, why is it exactly the same as what Feng said about his fianc e s family, isn t it Seeing that his expression was wrong, Chu Han asked suspiciously Cousin, what s the matter He smiled calmly.The old emperor fell ill in a fit of rage, and died that night.
System, what s going on I transferred my dad s money on the front foot, how did he know it on the back foot Are you not a system Is it so easy to expose you when you do things Zhao Xueer was scolded bloody by Zhao Jianren, angry He had to turn his anger to the system.He would let Feng give up this marriage by himself.
Feeling her gentle movements, Song Yaming felt an inexplicable warm feeling in his heart.Her husband was the son of the heavenly family, the heir of a country, and he had his mission.
You are really the most brazen person I have ever seen, but let me tell you, with me here, I will never let you bully Miss Lin again The onlookers heard the words and responded one after another.Sanhe and his men had already arrived at the door, and when they heard Feng Wencai s words, the sons and brothers who had met Feng Wencai before were stunned On Julie Banderas Weight Loss The L1uo8v4p3 Transformation That Shocked Everyone the spot.
She finally understood this sentence.It turned out that Chu Han was also a time traveler like her.At this moment, Xiao He had already brought the judge from Fengyang Mansion.
Xiaolian, what s wrong with you When Mrs.Yu came back from the outside, seeing the little girl who was used to being diligent and busy was sitting in the room in a daze at the moment, she couldn t help guessing if she was not feeling well, What s wrong with you The sudden voice startled Xiao Lian, she stood up with a cry of surprise, glanced at Mrs Yu and quickly lowered her head, flustered, Husband, madam, you are back.
On the table, Zhou Xun said sadly explained.Zhu Tao saw that what he said was sincere, not like lying, and the two of them had some friendship on weekdays, and couldn t bear him to cut off his future because of the misfortune of his sister at home, so he spoke for him, Brother Zhou and I have known each other for many years.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.