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.
Coradia iLint es un tren regional que ofrece una alternativa completamente libre de emisiones a los trenes diésel para líneas ferroviarias no electrificadas.
10 ventajas de portar una identificación móvil, tanto para la seguridad de las personas como para la optimización de recursos y procesos de los gobiernos.
Datos en tiempo real provenientes de sensores ayudarán a los ingenieros de Bloodhound a optimizar constantemente el rendimiento del vehículo supersónico.
Información disponible en todo momento y lugar, menores costos, mayor fiabilidad y, principalmente, flexibilidad son algunas de las ventajas que brinda la computación en la nube.
It was Ye Fei s rotation of the Fire Control Technique that affected the ice cold spiritual grass.Okay, let me come. If you want to penetrate here, I can t do it.
You two Ye Fei s meaning was obvious, so Han Dong and Bai Yan left directly and returned to their own training courtyards.Eight giant snakes appeared behind him. Their scales were dense and ferocious.
I remember that in the past, the cultivators Undefeated Heavyweight Thompson Is T0kz0a Ready To Battle Video Ikk here did not practice by absorbing the spiritual energy of heaven and earth.They must have used the Spirit Escape Talisman to leave here, but they didn t expect to be scattered.
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Brother, I know, but I will be careful. I am not that stupid.Every step Ye Fei takes, there will be echoes, making people feel inexplicably panicked.
Nothing unexpected happened. After being transported through several domain gates, Ye Fei and his master Returned to the Southern Territory.Accidentally fell into trouble Giggle
The Luo shirted woman known as Yin Sanniang couldn t help but cover her mouth with a giggle.
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Why don t you resist Stop pretending to be pitiful in front of me Ye Fei snorted.Yu Qing, where have you been all these years and why did you show up now How are you doing At this moment, Yulin, who was in the Qiankun Scroll in Ye Fei s arms, couldn t calm down.
However, there should be another assessment. Elder Wu Dajiang accepted the beast controlling talisman at this moment and looked at the nearby people.Hey, kid, I was in retreat just now, closing the six senses.
This girl was like spring rain and dewdrops, full of spirituality, her whole body was covered with mist, and she was extremely beautiful, no better than a jade girl.You are proud enough to be able to force me to use three points of my strength.
although it is only the size of a palm, it has a shell, is as hard as iron, and is extremely fast.In fact, Long Yan was also very tired, but she didn t dare to stop in her position and pursue her political goals.
Therefore, facing the inevitable pressure from the powerful Yin Yang Sect, Liu Qingyang chose to give up Ye Fei.
It is the strategy of magic defeating magic, so that the talker who has 3fubu7d Amazon Keto Blast Gummies User Experiences And Reviews cooperated with his side cannot be defeated.All in all, due to the combination of a series of comprehensive factors, Big A fell flat today, and the Shanghai Stock Index failed to hold on to the 2,000 point integer mark.
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That s all, now it s even more serious that Qunxing Capital is going to reverse short squeeze stocks.I ll take Xiao Ling home, you can do whatever you want.
gorgeous. Fang Hong couldn t help but nodded to himself Yeah, not bad.Go, go, go You can always trust God K s judgment. I believe this should be the real end, stud, stud haha The saddest thing is that now I have no money to buy the bottom.
Maybe there will be another session in the afternoon.However, we don t do public fundraising business now, but that won t happen in a few years.
The space station will be built using a series of interconnected modules that can be assembled in orbit by astronauts or intelligent robots.After a moment, Fang Hong changed the topic and said calmly There is no rush.
now we can only fight hard to the end, but although you have created a bigger trap this time, you have also opened up a new situation, allowing us to take more initiative.Its STAR series of smartphones are better than Apple s iPhone series of mobile phones.
Shit, Tianzhou Online is a liar, brothers, run Run, run I ve made a deal on the board, Wori Hahaha, are you happy I m sorry everyone, I bought it in one hand and it went bankrupt.The market showed a general rise. The large financial and securities sectors helped the index rise because this news was good for securities companies.
However, relatively speaking, the investors who bought these seven funds had a narrow escape, because after the second collective price limit wave came out, the investors began to redeem the funds on a large scale.The project he chose happens to be a long term investment, and the short term results will not be St Choice Acv Gummies The Ultimate Keto Friendly 1doc92g Supplement For A Healthier You Vxnq quick.
The two markets fell sharply that day. The Shanghai Stock Index opened lower and fell below 2,400 points again.These seven major capital groups point to this panoramic business landscape and divide it up one major category after another.
But it must not become a pyramid structure. If the largest structure is the group of people carrying plates and screwing screws, this city will not be able to develop into a first tier metropolis, let alone become a super city like the national science and technology center.50,000 Kelly Clarksons Weight Loss Transformation 6c2 Inspiring Changes And Stunning Photos In yuan, and the official retail price is 6,298 yuan per unit, which shows that there is still huge room for exploration
On the second day, the price of S3 mobile phones in the second hand market collapsed became a hot topic in the news.
Secondly, for Swift Weight Loss Before After Lose Pounds In Ufo3q2j Weeks With This Expert Backed Plan Wbw rare metals such as gallium and germanium, the current game is for reciprocity, but in the future there will definitely not be restrictions just for the sake of reciprocity.After a while, big funds will burst in and their prices will be lower than the opening price and they will not be able to complete the transaction.
It seems that people who hold stocks to celebrate the festival and those who hold coins to celebrate the festival are almost evenly split.Any stranger who approached Huayang Villa would be discovered and evicted before they arrived at the Jingxinju Villa
At this moment, Fang Hong, who was sitting in the leisure area of the villa, looked at the news about him on the computer screen, and couldn t help but sigh and said to himself The low key days are gone forever
Screen, if you go out in the future, you will definitely be surrounded by all kinds of people, and it is inevitable that people will take out their mobile phones to take pictures.
Even those chain stores and supermarkets can t do it Maggie Beers Journey To 16yiu Weight Loss A Keto Success Story because they don t have a complete supply and marketing system and the profit distribution in each link is unreasonable.That s an AI
Haha In this game, Xiao Ling san has many outstanding operational performances in the game, which can even be called professional level reaction operations.
Killing the US 650 billion of Qunxing Capital is equivalent to pushing the first domino.
Everyone uses long range attacks. The Secret To Weight Loss Drinking Apple Cider Vinegar 0ggo In Their long range attacks are comparable to Gatling s.But in squad to squad battles, players cannot be their opponents at all, and the greater the number, the greater the advantage of well trained Templar warriors.
The terrain nearby is flat and there is no danger to defend.Among the personal skills, Flying Dragon Face Riding is a talent skill and cannot be improved, which means that only three skills can use proficiency.
Tear The rotating moon blade tore several people into pieces, and the scene was bloody and brutal.At this point, the unit that poses the greatest threat to itself in this plan has withdrawn.
They only reacted and pulled the trigger when the order was heard.Uh huh The dark vortex unfolded, and Xiao Lu stepped forward and stepped into it.
Taking out the mask with the ghost car on it and rubbing it, Zhao Hao was looking forward to the upcoming feast.The combination of these aspects makes him extremely dangerous.
Although this skill does not have unique characteristics like treasures, battle spells, etc.What Are you sure Several people who had given up on the blood of beasts all looked in shock.
After Ji Meng and Yingzhao hesitated for a while, they nodded one after another, I m participating Count me in In this way, it was the five of them who took action this time.A combat skill that doesn t look very effective, but is actually very effective.
This is obviously being framed, and he can t let it go.The maximum energy and physical strength are 1 every 5 seconds.
Kill Zhao Hao ordered the summoned skeleton soldiers.Because of the ambush, the other party could only wait a few kilometers away and wait until the battle was over before receiving news.
Of course, as long as they don t attack the Demon s Nest, their killings will never attract the opponent s attention.The most important thing is that there is no half price discount from the Holy Church this time, and it is even doubled.
Change source app But now attacking Yanhu Island made him understand that even an island cannot withstand a bombardment by tens of thousands of bomb flying dragons.But the effect on the battlefield is not necessarily comparable to that of the champion level.
The remaining archangels did not dare to send out an attack.Sir, where should we go next At this time, they had sneaked in, but they were a little confused about what to do next.
At the same time, Zhao Hao also asked Anluosi to collect the specially transported basic resources into the territory panel, and then he started to build.Hoo, ho The wings flapped to stop Bella Hadid Weight Loss The Ultimate Guide Y6g9qx To Her Fitness Journey the body from retreating, and then Zhao Hao used his strong lower limbs to throw forward like a cannonball.
Then thank you, Your Highness Zhao Hao breathed a sigh of relief.As a loser, if your subordinates lose, why can t you just ask for some benefits.
Without a large number of trump cards, even if Musou can escape the first encounter, he will definitely die.Following his command, more bomb dragons fell down, as if they wanted to drown everything.
Observe the aftereffects. But after arriving in Youzhou, he was quickly assigned to the front 14bxc How Long Would It Take To Lose Stone line serving in front of the vanguard tent.That is, the current leader of the Pioneer Battalion.
The reason she dared to attack Venom just now was because she had the talent to protect herself.Other than that, there are no other restrictions. When there are more players, there are more people setting up stalls and forming teams, so it is naturally very lively.
This kind of killing mission is her favorite. And with her current strength, leading the Shadow Swordsmen to carry out assassinations and clearing missions would definitely be a nightmare for the enemy.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.