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 crowdsourcing está redefiniendo la forma en que las empresas manejan las devoluciones, ofreciendo una solución que no solo facilita el proceso para los clientes, sino que también mejora la eficiencia y reduce costos. Al adoptar estas innovaciones, su empresa puede transformar las devoluciones en una ventaja competitiva, incrementando la satisfacción del cliente y fortaleciendo la lealtad a la marca.
Como parte del programa E-Fan X, Airbus, Rolls-Royce y Siemens contribuirán cada uno con su amplia experiencia y sus conocimientos en su respectivo ámbito de competencia.
A medida que el panorama de la PI continúa evolucionando en el contexto de la IA y los macrodatos, es fundamental que las empresas estén preparadas para adaptarse y desarrollar estrategias ágiles y proactivas para proteger sus activos y mantener su ventaja competitiva en un mundo impulsado por la tecnología.
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Sometimes we can rely on others. This is not shameful, and it is better than the future.Your ancestor is domineering and mighty. I am so scared.
Today, she suddenly felt like fortune was turning and everything was going well.Fang Mingyi realized that he was trapped in some kind of maze.
If you don t have a good teacher and friend to discuss when you encounter a bottleneck, you can also get some inspiration by looking at the jade slips of other people s hearts.The male cultivator didn t even raise his head, and said impatiently She is in the mountain stream to the west, not in the valley.
Then he probed deeper and saw clearly the condition of her Dantian, and Li Jiuchuan s pupils trembled.It is the part that lays the foundation of the great road.
She can also make two furnaces of alchemy at once, doubling the efficiency.With her innate understanding, as long as she works hard and has all five elements, practicing the Five Elements Returning True Skill will definitely be twice as effective as his four spiritual roots.
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This process was long and boring. Hundreds of beast souls passed through, and not even a trace of essence appeared.How long is it temporarily Three years, as long as you can do it within three years.
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I could only practice hard day and night to pass the exam as a spiritual cultivator as soon as possible.Xie Jingshan followed closely and saw a dozen strangers rushing into the medical camp and carrying several strangers covered in blood.
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Jiang Yuebai was an inner disciple, and they were just handymen.They have a large formation of flowing water. Hey, hey, hey, you can just touch it.
The spiritual energy should be collected into the Dantian, the inner wall of the Dantian should be reinforced, and preparations for foundation building should be made in advance
Jiang Yuebai suddenly realized, and his whole body was shaking with spiritual energy.The formation seal on it needed Li Jiuchuan s token from Hongyan Tower in her hand to open.
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You have no grievances, right Ruosheng raised his head and sighed, If I couldn t stop you, would you be a poor monk willing to call you here I originally wanted to stay here quietly and watch them dog bite dog, but you are alone.Jiang Yuebai picked up the ones he could use and took them Finding the Best Sleep Gummies Without Melatonin for a Restful Night's Sleep (DJqRG)
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We ll see how they perform later. Okay. After today s incident, Guo Zhen has completely worshiped Jiang Yuebai and obeyed his orders.Tianman Peak is not controlled by Zhenjun, and it is mainly used as Tiansin Peak to control the law enforcement hall.
Try to see if you can enter this mirror. There is Dragon Transformation Water in it, which is good for your recovery and improvement of your cultivation.Qingnangzi looked up with a pale complexion. Little girl, you really surprised me.
If I don t reach this level, I swear I will never become a demon After I formed the elixir and came out of seclusion, the wonderful voice said, when I formed the elixir, the sea of the underworld was frozen, and black snow fell from the sky non stop for three months.Ling Guanghan felt chilled and raised his eyes to glance at the Trubody ACV Keto Gummies Review – Does It Really Work?
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It s easy for me. Use your poison to slowly overcome your own shortcomings and strive to turn yourself into the most poisonous ivy in the world Jiang Yuebai also recently regained his consciousness and remembered that taking too much of the elixir will reduce its effectiveness.He first shined in the Tianyan How to Use CBD Gummies: A Comprehensive Guide (plKnO)
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They Where are they now Bai Lang knelt on the ground and said, They entered Leize and then lost their traces.
Yes, really As the moon sets and the sun rises, the light of the Golden Crow blooms from the east, and the vast sea of clouds is reflected in the morning glow and becomes a golden red.I have always known it, but I have let it go. He, I know the special function of Tongxin Gu, but I still silently hold a ray of life for him.
I m young and brave. Li Jiuchuan glanced at Jiang Yuebai, saw a bit of a smirk hidden in her eyes, and paused.It would definitely not be possible to fully surrender.
I want to pay homage to my parents, but I don t know where they are buried.If she wanted my life, there was no need to do this again and again.
The scorching temperature drove away all the haze and darkness.The spiritual energy is gradually drying up and entering the period of destruction.
If it were a dragon several times larger, it would probably take dozens of spells to kill him.The baby s breath is weak and its outline is blurred.
It has been almost seven or eight years since the Fengyunhui ended, and the child looks like he was six or seven years old, and the time is right.After closing the door and putting up a soundproof array, he came over and sat down.
Zhenjun Fuyi must know that Bagua Island s formation of light is hidden in the stars, and the entire island looks unchanged from the outside.He s so awesome Jiang Yuebai looked at it for a moment and felt that Feiyan Pavilion seemed to have been prepared for it.
A body of grass and leaves danced wildly, with a majestic momentum, and a green restriction bloomed above the dragon s head.Ouch The talisman light on the net brought bursts of electric current, constantly hitting and burning Aojuan s body, causing him unspeakable pain.
Luo Tingzong took out a pill and fed it He eats it.This kind of jade talisman comes from the Celestial Realm under the Southern Star Alliance.
Xie Jingshan endured the pain and took out an elixir and ate it, It s Yin Lei, Guishui Lei.No, no, no, I m not poor. I just turned my useless wealth into a useful trump card.
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Luo Chen untied the gauze bandage on Wang Bao s left arm.Seeing this, Qin Yihan couldn t let him retreat so easily.
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It s too late to talk about this Li Ge secretly curled his lips when he heard this, but Luo Tianyu was his father in law.next moment Luo Chen stood up in vain, unsheathed the thunder knife, gathered the power of the knife on his body, and swung the knife to one side.
Immediately, Luo Chen and the other three walked towards the front of the passage and began to look around to rescue everyone.Yes There was a response from inside the carriage, and then the curtain opened and an old man in blue walked out.
Then, before the strong young man could react, he quickly stabbed him in the heart and neck.Hehe Zheng Xiaoliu smiled strangely After two sounds, he raised his feet and followed him out.
Not bad Jin Tai on the side also said My sister has been busy since she came back, and she hasn t told us yet.Although with this The title of Marquis of Ningshui can bring him some salary, and many official matters will be much easier to handle.
The beggar s eyes, which were mostly covered by his hair, suddenly flashed with light.It seemed that this was Luo Hua s intention and Liu Shui s ruthlessness.
Everyone knows that apart from Zhong Xian, the only person here who can be called sir by the chief steward is the one on the carriage.Of course I m not here to grab medicine After saying that, Luo Chen ignored the old man and directly opened the door and walked in.
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Snapped One sole of the foot crushed the accumulated water, causing two splashes of water to splash.Moreover, the arrow that the one eyed man thought he was sure of was actually chopped away by Luo Chen.
Finally, after seven days of sailing, the merchant ship arrived at Qincheng in Liangzhou.Thank you, Mom Ning Ling was overjoyed and immediately shouted Seventy thousand After shouting, Ning Ling turned her head and looked at her with a cold face.
Just when he was about to step forward to give Luo Chen some pain, he saw a white light stabbing towards him from the corner of his eye.Luo Tianyu ordered Wang Bao to treat the wounded, and then sat back on the carriage shaft.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.