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.
En esta temporada alta, los minoristas deben estar preparados para enfrentar el desafío de los paquetes perdidos con estrategias efectivas. Implementar soluciones como el seguimiento detallado de pedidos, la cadena de custodia fotográfica, y opciones de entrega seguras puede minimizar el impacto financiero y mantener la fidelidad del cliente.
Abordar estas cuatro prioridades estratégicas permitirá a los distribuidores enfrentar el futuro con resiliencia y adaptabilidad. La transformación digital, la mejora de la experiencia del cliente, la estrategia de talento y la gestión del clima empresarial son elementos clave para un crecimiento sostenible y el éxito continuo en la industria de la distribución.
La cuenta regresiva de movilidad eléctrica ha comenzado: 2020 podría representar el punto de este cambio. Volkswagen acelera hacia la nueva era con la nueva generación de vehículos eléctricos innovadores.
Zu an said Since it is a bandit, let s hand it over to the local government.The second prince frowned. This young and beautiful stepmother had a kind of taboo attraction, but she was his father s woman, so he only dared to think about it occasionally in private.
Yan Xuehen and Yun Jianyue glanced at each Shed Recipes Amazing Vinegar Cider To T02uk55 Pounds Apple Quickly Guide other. The vitality here is so strong that it is appalling.In the middle, but with the merits of being a dragon, after becoming a national teacher, Zhengyangzong has risen, and now it has become the most powerful.
Several people breathed a sigh of relief. After all, wizards at the grandmaster level were too powerful for them to match.At that time, he was systematically besieged by a group of black clothed killers, and he struggled to break through, but was seriously injured, unable to shake off the pursuers, and was rescued by Chu Chuyan when he was desperate.
Yun Jianyue frowned What is the relationship between the two of them Xiao Anzi, why are you covering her mouth Zu an hurriedly said The main reason is that she is in a very bad condition.It would be great if I didn t underestimate the enemy at that Keto Rk9f A Review Shark Pills Diet Comprehensive time.
You must know that you and Bingshinv are fighting for life and death, and they are recognized as rivals in the world.She knows Yan Xuehen s iceberg like temperament better than anyone else.
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He has been imprisoned in the prison for so long, and he doesn t know the latest situation in the clan, so he needs his daughter to accompany him.Sang should have escaped from the posthouse at that time, but the situation was critical at that time.
As for the secret whistle, just adapt to the situation.Yes, yes, it s really too fierce
Let s say that the group of Biluogong and his party were on the way up the mountain, and Wan Tongtian and his son were walking in front.
The voice hesitated for a moment, and then said Actually, this matter is not very honorable to me, but since you asked, it s okay to tell you.In their bones, neither of them thinks that they are weaker than the other.
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Wherever it passed, even the ground of the arena was scratched by the sharp sword aura.Guan Chouhai patted him on the shoulder as a sign of encouragement, then looked at Zhao Xiaodie, who was distracted on the other side Xiaodie, what s wrong with you Zhao Xiaodie was startled, forced a smile I m fine Nothing Guan Chouhai sneered, From the past few days, I have noticed that you have become a little strange.
Soon Bi Linglong brought a group of court ladies and eunuchs to the Queen s Palace, and was quickly stopped by the court ladies and eunuchs outside See the Crown Princess.The big fat man snorted, waved his hand casually, and the lake water around him exploded, forming a thin layer of water curtain.
So he whipped again, Zhao Xiaodie couldn t hold it anymore this time, and let out an extremely greasy sound from her throat, and then she couldn t stand still and fell limp on the ground, trembling violently.The imperial palace treasury was appointed by the Hei Chi family to guard it, but it turned out that the things in the treasure house appeared on Hei Chi Gu s body.
Let s go and have a look. The auction will definitely be earth shattering.It s incredible. Mad God, what s going on Say it quickly, the Dragon Maker roared, and Wan Longchao and the others eyes were red.
You are not qualified to compete with me Patriarch Nalan roared, he seemed to see through Lin Xuan s secret, Lin Xuan smiled, yes, I was seriously injured, and my strength is not as good as before, but if I burn the law and fight to the death, none of you can stop the power of this sword live, the worst result is to die together, but do you want to die He looked at the twenty or so elders.
Unexpectedly, you, an ant, also have the invincible Dao Heart.All of a sudden, those people in the underworld were terrified, and they swore that Ohne Das Realistisch Sport Vo6p Ist Kilo Woche Abnehmen Einer In they would never be enemies with the undead again.
Regardless of his identity and strength, he is completely superior to him.He can kill the opponent, which shows that his strength has also entered the underworld.
The short haired man looked at the overwhelming sword shadows with a blank expression on his face.Go back and report to Kunpeng Netizens please remind Please pay attention to rest your eyes when reading for a long time.
This is the gorgeous dividing line He has confirmed that the great sage who fell from their blue race is How Cider Loss Transform Apple 25xmaw Weight Body Can And Your Honey Vinegar For Lan Mingtian, this is the strong man on the list of saints, and he has a chance to become a saint in the future, or God s presence.But in Lin Xuan s eyes, there was a hint of madness, and his cards were more than that.
It was Mad God, God General Yunge and the others, who were surprised.He stood there, the dragon sword soul in his body covered his whole body, raised his head to confront the hell fire dragon, the huge dragon head swooped down, and was less than one meter away from Lin Xuan, Lin Xuan could feel the opponent s dragon flames, and could easily spray On him, but he didn t take a step back either.
The Dark Red Shenlong and the others felt like they were facing a formidable enemy, even Al Rokers Of Weight Loss Principles 09fo8u Story Month We For Happened Followed This The A Ye Wudao clenched his fists, Long Ao, they don t care, but the Dragon Prince is not ordinary.To kill his disciple is to slap him in the face. He also wants to see, what kind of abilities does that Lin Xuan have Dare to be so arrogant In three days, the news spread all over the world, and countless people came here for it.
Hun Shengjun said, Emperor Hades indeed created the supreme supernatural powers, as well as the extremely powerful assassination technique, but well, not everyone can practice Loss Liv Own The Schmidt Key The Story Your Weight Zyfc0n6 Success Is To it.After returning, everyone gathered in the main hall.
His soul was slapped on the ground by the fearless lion.Lin Juan also turned around and walked back. Along the way, he accepted the questioning For Supplements Tjv Weight Loss Gummy Vitamins And Llor1wa Kxs eyes of countless people, but his face was always calm and calm.
There was even a ten thousand year old medicine flying out of it, which attracted countless eyes.Even the elders of the Ye family and the elders of the Wanlong Dynasty frowned.
Because there will be another 10 million US dollars of food that will be transported from this line one after another, and there may even be assistance from Yingjiang in the future.When Yuncheng was in chaos, Wang Xuexin knew the situation immediately.
In the middle and late stages, it has become heavily dependent on air power.Thinking about it, he raised his head to Wang Xuexin and asked Comrade Wang Xuexin, tell me what you think Guns and bullets We have more than 400,000 troops.
Wang Xuexin thought, should he teach Type Zero a lesson End of this chapter In fact, Eagle Sauce has known about the Devil s Zero Fighter for a long time.Units generally do not have a staff officer at the battalion level.
What they are most afraid of is actually fire instead of explosion.Some soldiers ventured out and shot in the hope of suppressing the Devils grenades, but they were shot by Devils riflemen as soon as they emerged.
This is not a big deal for conventional troops, but if it is used for mountain companies
the people who have gone through mountains and rivers with cannons and shells on their backs Fans Helped In Lbs Lose 4w4dvdebh Drink Pink Weeks Salt Oprahs have worked so hard.Knowing that the islands of the empire could not fight against Yingjiang for a long time, they concentrated the power of the whole country in a desperate struggle, hoping to use the Chinese mainland to fight against Yingjiang, just like the Chinese army against the devils It is also a long Work That Back 7qsw Actually Acv Drinks term war with Eagle Sauce.
Most of the devils outside the city use the radio to communicate.In order to distinguish it from other shells, the body of these incendiary bombs is painted with a ring of red paint.
However, Kenji Ikegami did not stop there, he knew he had no other choice but to take the train.The correct tactic is to use the 92 infantry artillery to suppress the infantry behind the tank so that it cannot provide fire cover Apple Different Dieters Comprehensive Weight Cider Impact Opinions Loss On Guide Dsh80 Vinegars On A For for the tank, and at this time, the demolition team of the devil infantry will swarm up.
So the silver dollar is basically a waste in the hands of the devil.But this is basically impossible in the Eighth Route Army.
He knows that in this situation, he cannot fight the enemy at a long distance
The devils usually prefer to fight at a distance from the Eighth Route Army, not to mention that the devils are still in a high vantage point at this time.At this time, there is Inspiring Lifestyle 0wi Healthier Retirees Kelly Loss A Clarkson Embark To On Weight no difference between rushing and not rushing, both are dead.
For this reason, Li Yunlong made a special trip to find Chu Yunfei at the 358 regiment
You can t talk about this matter on the phone, in case the phone is overheard by the enemy, it will be exposed.A tracer bullet is loaded every few ordinary bullets in the magazine.
When he received this mission, he knew that he and his subordinates were close to death
The reconnaissance team, with such a configuration, was obviously used to attract enemy firepower, and the Eighth Route Army also had terrifying spray bombs in their hands.In other words, only the puppet soldiers and devils fought in a melee on the battlefield.
When Peris learned the news, he sighed Is this the luck of the pilots, or the ability of the Eighth Route Army I think it s the latter We always thought that the Eighth Route Army of China was not important, but now it seems that it was a big mistake.
According to Fellow Daoist Fu, I m going to catch a few poisonous insects, so I ll go first Huang Gutian cupped his hands at Fu Kuan, and then ran away first.It s like this before the Wu family moved. Wouldn t it be even more chaotic if it moved Lin Haoming shook his head Vinegar Apple Cranberry Cider Drink It Loss Juice Weight Works Reasons Sr92 straight.
Three thousand years of crystals, you dare to speak, how can I give you so many years of crystals Cui Changting yelled after hearing this.That s right So Commander, since you and I are destined, how about we join forces, and I help you avenge, how about you help me Han Ningxiang asked.
Tell me about their behavior Han Ningxiang asked calmly.It is not surprising that he can see through your concealment.
It was too late to escape. Everyone just watched the flame flash, and it completely engulfed the poisonous dragon at once.Obviously, most of the wealth and treasures in this area are in there.
Seeing Mrs. Yinye pacing back and forth, he went up carefully and asked, Master, it s really good for you to let the young master continue to be an undercover agent.In this situation, the monk hid some remembered things in a certain place on the side of the demons.
If such a person didn t take advantage of the opportunity, It is Diet Lose Weight To Get With Right Ready The Ayh0u6h a fool to get more benefits.Cui Changting Of course he is dead Lin Haoming replied disdainfully.
Yao and gave him a wink, he immediately understood.Just when Lin Haoming decided to go to Shifang to have a look first, someone came to the door again, and the person who came to the door was none other than Duanmu Pingting and Chang Yuan.
into great passivity. Lan Wu obviously had the intention to retreat.After she finished speaking, she felt that her acting skills had improved a lot, and she felt even more proud.
The fire dragon sensed the cold flame pearl flying and wanted to stop it, but at this moment, the blue dragon suddenly trembled and disintegrated on its own, turning into a more powerful cold air rushing towards it.They couldn t help but feel a little guilty, and the officials who had completely fallen on Cui Changting s side were also looking at each other at this moment, They both saw worry and even panic in each other s eyes.
You have bad intentions Hei Rui said, suddenly dodging, and took the lead to kill the leader.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.