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.
Nómada por naturaleza, el ser humano ha encontrado en los viajes una manera de saciar su curiosidad por conocer el mundo, lo que ha generado una próspera industria.
19 mil quejas por robo de identidad se registraron durante el primer trimestre del año. Más de 325 millones de pesos fue el monto reclamado por este delito.
La adopción estratégica de la inteligencia artificial en la fabricación puede ofrecer eficiencias significativas. Desde mejorar la seguridad hasta optimizar las cadenas de suministro, la IA está transformando la forma en que las empresas abordan los desafíos laborales y planifican su futuro. Los líderes de la industria deben estar preparados para abrazar esta revolución tecnológica y capitalizar las oportunidades que la IA presenta.
It only recruits top students with backgrounds in physics, mathematics, and computers.Fang Hong s personal account was bargain hunting at the end of March, and he has BHB Pills on Shark Tank: A Closer Look at Their Impact quietly completed the withdrawal in recent days.
Only a handful of people at the top know the Evaluating Different Brands of Keto Gummies truth, and at this level, even cooperative institutions such as Zhongtai Capital are currently not qualified to touch it.The increase in IQ value requires the most resources, and the prop card resources consumed for each unit increase are not fixed.
Since everyone is so enthusiastic, let s not hide it.In addition, artists including those under Yixing Media can also exert their influence among their respective fan groups, and can also produce related variety shows for promotion and so on.
At this time, another participant said with a smile I very much support these five measures, and a responsible company like Qunxing should vigorously publicize it and call on everyone to learn together.Only three days after the news was announced, the list The Birth of Super Keto of the company s new board members was once again disclosed.
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Nearly three times the leverage, another 11 million was invested.The origin of the ridge lizard is in Guangdong and Guangxi, but it is not common in the pet market.
There is obviously something fishy. Anyone who enters to take the order should be careful
It will drop to the limit tomorrow, and everyone who enters on Friday will be killed
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In fact, all the funds on the market know this, and even many investors know that now is a good opportunity to build positions.But for many investors who got on the bus on Monday, they were frightened by the two nuclear bombs in the external The Idea Behind Simpli Health ACV Keto market and stopped their losses early, just likeLike a frightened bird, the market trend in the afternoon made the investors who came ashore regretful
When the market opened in the afternoon, stockholders who were cutting their profits were dumbfounded.
But Li Shiming sent another Deacon Xu from the Law Enforcement Hall to Tianhai Haixian to stay there for twenty years, and the end of the case was handled by Deacon Xu.Perhaps it was because the Holy Ice Sect was famous, or because the jade flying boat was fast enough.
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First, let your body get to know the Guiyi Sword. Guiyi Sword is my natal magic weapon and the only magic weapon How Rebel Wilson Gummies WorkBenefits of Keto Fusion Sugar-Free Gummies for sword cultivators When Yun Xing put a hand on Li Shiming, Li Shiming felt a heavy sense of oppression in his chest.The corpses of monks are not only used for refining corpses, but also have many methods such as extracting their souls and refining their essence and blood.
Six thick cables at the back of the high grade magic weapon electromagnetic gun were connected in the void.Although this How Creatine Aids in Body Recomposition old monk in the early stage of foundation building is a casual cultivator, casual cultivators are also different.
In other words, Li Shiming fought a golden elixir demon for this promise to him.The spiritual energy vortex in his body at this time had a quality that he could not even imagine.
Even if there is the slightest chance, he is willing to try.But from the name, you can tell that this is a method of refining corpses for your own use.
Only after the Heavenly Spiritual Root discovered on the spot at the Immortal Ascension Conference was known to the sect, no force dared to make any further decisions.He clearly knew that Li Shiming was a weak scholar, but in his feeling, Li Shiming was like a wild beast, a wild beast looking at weak Benefits of Nuvita Keto Gummies prey.
The most serious injuries on his body were injuries from the Xuanming The Role of Fruits in Weight Loss Sect, Demon do keto gummies actually work Spirit Sect and Ten Thousand Buddhas Sect.He comes to a triggered position, I saw the situation outside through the defensive formation.
They held speed boosting talismans in their hands and activated them immediately when they reached a certain distance.The new The Dynamics of Love and Lifestyle Changes weapon is the electromagnetic gun, and there is relevant research information in the IBMz15 database.
Li Shiming s defensive power was outstanding. This was known to the golden elixir elders and was not a secret.The most important thing for the qualification of Nascent Soul inheritance is resources.
Fortunately, Xiao Huo Miao didn t have a big appetite and only absorbed a little bit of the fire and thunder spiritual power each time.It s been refined Li Shiming waved his hands with excitement.
However, after Wei Lin saw the man s face, he was stunned for a moment and then hesitated.Gu Jia, the garrison envoy of Great Xia, pays homage to Uncle Zhao Gu Jia saluted meticulously and Mindset and Motivation: Staying Committed to Losing Weight After 50 greeted him respectfully.
Uncle Zhuge, on the other The Science Behind Life Choice Keto hand, had a cold face and did not give Deacon Xu any face at all.But the problem is that even if the monks are aware of the existence of drug resistance, each additional non top level elixir will increase the body s drug resistance, but the monks will still use the elixir to improve their own strength.
At this time, Raphael s mask seemed to have two additional characters Emotional Intelligence.Even if the pain is reduced to one tenth, not many people can withstand the pain of the dragon s breath igniting their bodies.
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Is it a ghost car Suzaku standing aside was a little surprised.Not to mention that Mia herself has an extremely terrifying talent.
Alchemy bomb A special prop used by the Filial Son Sword to ambush the pirates when they attacked Mingyue City.The other party won t
right Suddenly, a terrible thought came to Zhao Hao s mind.
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Overall, goblins are a miraculous race. The greater the number, the more difficult it is to deal with.Eight of them rushed that way, and only four of them were reluctant to do so.
The damage of the arrows is not high for the God of Death.Either continue the attack, or retreat and look for opportunities to sneak attack.
Observe the aftereffects. But after arriving in Youzhou, he was quickly assigned to the front line serving in front A Balanced Approach to ExerciseWhat is Keto ACV Luxe? of the vanguard tent.How can it be Kelun muttered to himself, but did not notice that a figure jumped from the back of the golden dragon that flew by.
Although gaining experience is not as good as killing creatures, the advantage is that you can enter at any time.This refers to the squeezed out troops. Just like the Mythical Guild has tens of thousands of archers, but they cannot be used for support.
When did the Cemetery camp have such a master In Heiyun s mind, information about the famous players in the Cemetery camp appeared, but he did not expect who had such terrifying strength.He might be able to control Demon Court in the palm of his hand.
But after entering, I discovered that it was just the tip of the iceberg.If they hadn t seen it with their own eyes, no one would have believed that a necromancer could be so brave, transforming Section 7: Best Apple Cider Vinegar Gummies for Weight Loss from one person into an undead army in an instant.
Seeing the opponent s movements, Ellie bent slightly and prepared to attack.Green Dragon The two giant dragons were always on standby, just waiting for the pirates to charge.
Even if the death penalty on the battlefield is only one fifth atv keto gummies of what it was during the adventure, the death of such a large number of main players will definitely have a Importance of combining diet and exercise big impact on the strength of the Raging Dragon Guild, not to mention that the troops will not be resurrected.Got it Zhao Building a Support System Hao and An Luosi led the team directly.
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Maybe he is a disciple of Tongtian Academy. In short , our Yin Yang Sect has suffered such a big loss, we can t just let it go.Moya, you have to know that the Yin Yang Sect did not Understanding the Benefits of Cranberry Juice and Apple Cider Vinegar hold you accountable this time.
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Youth beauty pill really works, you become more beautiful.They were living a life of blood every day and could die at any time.
A powerful alchemist can refine hundreds of elixirs like this in Understanding Shark Tank True Keto one batch.For her father, Murong Xue was willing to die on his behalf.
I really don t need to take action. He can survive until now because I Potential Side Effects still respect the college s opinion.Ye Fei thought for a moment and said. No problem, but this requires a lot of medicinal master the keto diet calculator materials, so you have to buy some materials.
The country is the enemy, and the Tianyuan matter has finally been cleared up.He spurted out a mouthful of blood. He couldn t believe it.
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In order to nip it in the bud, we should kill it. This Safety Concerns: Are Keto Gummies Safe? will be good for the college and the world.Chiron hummed with a cold face at the moment. Ahem, Brother Chilong, don t get me wrong.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.