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.
Soluciones en la nube permiten a las empresas ofrecer una experiencia omnicanal, así como la capacidad de mejorar la configuración del proceso de compra-venta.
Inteligencia artificial que se aplica ya en México es capaz de mejorar en 35% la predicción sobre el comportamiento y efectividad que tendrá el nuevo trabajador.
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defend against metallic attacks, but attacks with other attributes have little effect.Although monks can cause huge damage at will, monks are also the ones who can best control their own power.
Fortunately, both sides were very restrained and did not really start a war at this time.The formation here is to draw space. He moves in the formation with special steps.
The financial resources of small and medium sized sects cannot create such weapons of war, let alone the corresponding maintenance talents.You have also seen Yuanba s combat power. Is it appropriate for him to do the mission with Monkey CBD Gummies: Benefits, Effects, and Reviews - CBD.co
us Yun Xiao looked at several teammates and asked.
The mid Nascent Soul monks mentioned here are not those casual cultivating mid Nascent Soul monks, but mid Nascent Soul monks who are at least from major sects and above.Li Yuanba was a little curious about the relationship between the Yuan Ying ancestors.
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of the computer room this time, but just checked them in the computer room.But at this time, there were many scars in his Yuanying body, and these scars contained the energy left by Brother Hu and Brother Ding.
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of the fourth grade mysterious armor puppet, and a roar exploded on the fourth grade mysterious armor puppet.The golden corpse was killed for a short time and could not digest so much energy and spiritual power.
Please take good care of me Gu Jia introduced with a smile.She is the cousin of Qin Hu s cousin. As soon as Qin Hu dies, the huge property of the Champion House will naturally fall on this cousin.
This is also the theoretical basis that Li Shiming lacks.Patriarch Luo Wei heard the meaning of Patriarch Lu s words, and his figure flashed into the sea.
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there was a loud noise in the distance, and a cannonball made of second grade material flew towards the four clawed dragon in the sky.He could clearly see that when Brother Liu Ziyun was there, Brother Hu s behavior was not as he said.
They injured many early stage Nascent Soul monks in a surprise attack.Using this fighting method, he also used his true combat power and did not retain much.
He has no intention of sending Li Yuanba out to act alone.He just took advantage and took advantage of Jin Kai s serious injury to set up an ambush.
However, since that time, the two Arhats from Qianba Temple seemed to have disappeared.Elder brother, you don t have to be polite to me Li Shiming waved his hand.
Go and find that Silver Winged Spirit Gu Insect Li Shiming did not approach immediately.If you want to read the latest chapters, please download the Haoyue Novel app and read the latest chapters for free without ads.
Forget it about stealing things, you actually dare to hit people.He transferred 100 million to Qin Feng s account, and hired a lawyer to notarize it and draw up a transfer contract.
He comes from a large Longdu family, his grandfather once settled in the center, and he himself is extremely powerful and wealthy.Qin Feng glanced at him indifferently and left without intending to stay.
So now when Qin Feng opens his mouth, people around him can hear his voice.gritted his teeth immediately, pulled out the dagger from his waist and went to help.
The faster
After hearing Qin Feng s words, Xu Yu couldn t help but be stunned, and then he was extremely surprised How do you know these things Who are you Qin Feng said calmly The day the Shencheng Martial League was defeated, I Also at the scene.Otherwise, if Let him know your true identity, and Myaderm CBD Reviews: A Comprehensive Analysis of the Product's Efficacy and Benefits (XaXGE)
it will definitely stick to you like dog skin plaster, and you can t shake it off Ye Tiantian snorted coldly, pulled Dai Ruolan, who still wanted to explain for Qin Feng, behind him, and looked at Qin Feng coldly And you, don Hemp Gummies THC: A Comprehensive Guide to the Benefits and Effects of Hemp-Derived THC Edibles (tDwUA)
t think that if you can hide it from Tiantian, you can hide it from me.
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wooden clogs and sweeping towards Qin Feng s lower body.Are you sick Qin Manman rolled her eyes. This morning, Qin Manman was really shocked when she saw Xu Shaoqin driving to pick up Qin Feng.
Although the journey of cultivating Taoism was more bumpy than hers, the best thing was that she would not be disliked by heaven.We only harvested some green phosphorus and rotten bone moss, and it was discovered by another team of casual cultivators first.
I hope you won t push yourself too far Seeing Ye Ling coming towards him, Lu Chuan frowned and said slowly.He felt that the Qu family sisters in Moyun Village were really different Ye Ling returned to the cave and meditated cross legged.
If you have the nerve to say it, I will pay you two hundred and fifty thousand In the square, All the monks looked at him sideways, and some even exclaimed This is the main effect of Young Master Canglang With all the attention being paid to him, his chest was lifted and he was full of arrogance.Now that the senior brother and the second senior sister have formed elixirs, there is no worries about leaving, and I am afraid that he will leave soon After everyone dispersed, Ye Ling 7 Authoritative Insights: Does Drinking Vinegar Help with Weight Loss During Winter Festivities
and his party returned to the city one after another.
and more importantly, he went out to kill, causing countless troubles to the Demon Flame Palace.Regardless of whether Mu Han is Daytrip CBD Gummies Review: Relaxation and Relief Analysis
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realized It seems that the seventh level bear king is the guardian monster of Tianfeng Gorge and cannot tolerate any monks stepping into the depths of Tianfeng Gorge He runs at the front, so he will naturally attract the hatred of the seventh level bear king Thinking of this, Ye Ling immediately put away the Red Fire Green Tailed Leopard, jumped into the grass, and at the same time took out the pebble array, instantly covering up all the atmosphere and disappearing The seventh level Top 7 Ways on How to Lose Weight Fast for Teens in 2025
Bear King threw himself in the air, waiting for the red bear eyes to be found, and lost his target at a loss.
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that shone with black gold and came to the Fulu Pavilion excitedly.He just wanted to find out the history of Wuzhou from it.
When the war in the East China Sea started, the ancestors of the nine immortal sects each had their own differences.Fortunately, in the palace garden, the formation restrictions are intact, and the treasures in the palace are not damaged.
Baihua Valley, I traveled thousands of miles to the Land of Fire Barbarians, and finally entered the ancient fantasy land of the barbarians to experience, just to search for treasures, even if it is an ancient tomb, what is there to be afraid of It is an ancient ruin after all If you can find it Treasures are better than killing nine out of ten fantasy beasts in the ancient fantasy world.
Especially when the demon bird from the East China Sea flew close, the eight clawed poisonous octopus stepped up Bloom Cbd Gummies Shark Tank: A Comprehensive Guide to Cbd Gummies (CZUZR)
its speed of clearing obstacles, moved the last boulder away, and simply crawled aside to regain its strength.He hurriedly shouted I m here to seek justice I m a guest from afar Is this how you treat guests Just justice Bingdie snorted coldly, fanning the ice wind.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.