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 un mundo donde la agilidad y la anticipación son clave, los gemelos digitales de la cadena de suministro se están convirtiendo en herramientas indispensables para empresas líderes que buscan respuestas rápidas y efectivas ante la incertidumbre en evolución.
Los humanos aprovechan el poder de las nanopartículas —elemento central de los puntos cuánticos que acciona las imágenes sorprendentes del televisor QLED.
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Can you activate the phenomenon like that I tried it, but there was no response.What do you think There s no way he gave it to me. Asshole Will o the wisps flashed in the eye sockets of the two red skeletons.
One or two pieces would not fetch much, and selling a bunch would arouse suspicion.As for the reason why Su Ye set up the spirit gathering array, it was very simple.
The drowned ghost hurriedly caught it. As usual, this is just a deposit.The man also held a booklet in his hand, which should be used to record the parking time.
If I give you too many goods, it may cause trouble.although he didn t know CBD Gummies Vitamin Shoppe: Benefits, Reviews, and Expert Opinions
what these stones were, but what if he didn t know the goods Therefore, he deliberately crushed a piece to see Su Ye s reaction.
It is just a substitute for the elixir. Why can t it be refined Su Ye has already completed more than a dozen simulations in order to refine Qi Condensing Jade Xing Powder.Hey, Su Ye , why are you still speaking for this old guy Then what do you think we should do He was the first to meet with the four prison chiefs yesterday.
Soon, Lin Huaizheng quickly called over all the guards who were not on duty, and then a group of people waited at the foot of the mountain.Too despicable. No, this one doesn t count, let s do it again, do it again The life in Montenegro is still simple and boring, that is, just working as a supervisor every day and letting the prisoners work honestly.
Ghost Su Ye was not surprised. Demons and demons all have human forms, but when necessary, they can also transform into four fighting forms demon, charm, demon, and demon.He looked at the poor ghost again and said, Everyone else has gone to Skate Mountain.
These requirements cannot be said to be fully met, but at least they need to be able to fulfill Su Ye s minimum needs.After all, the iron arrows should have been used up.
Moreover, during the process of use, this part of the spiritual energy will be lent to Su Ye.Su, for the wine. Su Ye smiled and said, Tou Liang, you can have a drink before you leave.
Su Ye raised his eyebrows, what about it Tricolor elixir is just a very common elixir.Are Huahua angry Su Ye stepped forward with a smile, but the national treasure immediately twisted his body again, always facing Su Ye with his buttocks.
That s why Supervisor Liang threw him to that ungrateful place in Montenegro to temper his temper.If this can help, If you break through to the spiritual enlightenment stage as soon as possible, your status in the Zhenfu Division will also be improved.
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a huge black shadow suddenly emerged from the whirlpool.Diplodocus suddenly became interested Tell me about it The first time a monster appeared, wasn t it at the city gate.
It is an ice orb. The bead itself is made of ice. It feels cold when you hold it, and you can feel a slight chill.After all, Su Ye s methods are much stronger than other ghost kings.
When the sword light hit the ground, the ground in front of it turned into ashes in an instant, and large swaths of electric current swayed in all directions, making constant crackling sounds.Su Ye really wanted to ask, isn t this Wang Zhizhen your nephew It should be his son The dear kind
Su Ye thought Wang Mingyang was just talking and finished, and then
Wang Mingyang really swore If Su Ye, little brother Su can cure my nephew Wang Zhizhen, I, Wang Mingyang, will swear that no matter what he wants, no matter what he wants, I will help him find it.
A large swath of golden light instantly illuminated everything around it.
46 Ghost Lantern Xiaolu Devouring the soul, boosting Jiang Yuebai s spiritual consciousness, having self awareness, Ye Shiming s obsession is the core battery, so it is special.The Eclipse Sect specializes in Fire Techniques. Most of the sects are rough, heroic, hot tempered, and gangster monks.
Jiang Yuebai was also shocked, What nonsense are you talking about How could my master like Zhenjun Fuyi Are you spending all your time at home doing nothing but cultivating spiritual beasts Yun Shang smiled sheepishly.Then what are you going to do Zhao Fuyi asked. Jiang Yuebai looked down the hillside and smiled, Don t reveal your secret.
The five color pagoda swallows up the power of ice and fire like a glutton, fueling itself, and its brilliance becomes more and more dazzling.When the incident in the Quicksand Region is over, go to the Wu Clan from the Baipu Region to inquire about the aliens.
She s so awesome Bang Guo Zhen slapped Shi Xiaowu on the back of the head.Xie Jingshan, stop fighting, find Yun Shang and escape As soon as he finished speaking, the ground shook violently, and Jiang Yuebai hurriedly hugged the tree tightly.
Like Lu Xingyun, the founder of the Tianyan Sect, he used the five spiritual roots to reach the top of the Immortal Cloud.I want to tell Anan that I want this room. After talking a lot with Lu Nazhi last night, Understanding the Benefits and Uses of 100 CBD Gummies for Overall Well-being
Jiang Yuebai realized that Tiangang Peak was not easy to get into.
Jiang Yuebai felt something was broken by the golden light on the top of the support, which absorbed the rhythm of heaven and earth into her body, making her whole soul tremble, and her eyes The world suddenly became crystal clear.The hard work of more than a month has finally paid off.
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That was the direct discipleship order of Tianyan Sect.At this moment, the Five Elements Lotus Platform is filled with the Five Elements Essence, and the forty five holes on the lotus pod are also filled with Five Elements Essence Lotus Seeds.
But she didn t harm the seedlings at all, and even let the ice beetle spit out the swallowed life to feed the seedlings.The monk who Are CBD Gummies Safe to Take: A Comprehensive Guide (aZOxB)
just passed by with his sword was holding a bamboo slip and shaking his head while reciting.
In the river were seventeen ninth level blood toothed crocodiles, and an eighth level blood toothed king crocodile swarmed to attack them.Jiang Yuebai temporarily put away the other things and carefully checked the method of refining the essence.
She is almost obsessed with improving my qualifications and has eaten randomly several times.She quickly calmed down again. The secret realm was opened, there were many people, and various sects were fighting openly and secretly.
What should I do, Xiaobai It s more difficult to get the Foundation Establishment Pill this time.I m just kidding you. I won t eat your Flame Pheasant.
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fighting in front of me and asked me to set up a formation with him to avoid it.they can do two things, and they, the spiritual farmers, can find another job and accumulate more cultivation resources.
Only the sect can stably produce foundation building pills every year.In terms of spells, the self created Yun Lei Po and Flame Thunder Explosion are even better if they are strong.
Tao Fengnian had given her the method of controlling things long ago, and she also knew that before the middle stage of Qi training, spiritual consciousness could only be called consciousness without training.Jiang Yuebai s face turned red with embarrassment, she clenched her fists and bit her lips, her eyes filled with stubbornness that refused to admit defeat.
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mingled with the demon hunting team, waiting for opportunities to kill people and seize treasures Yu Tianlie threw out several talismans at random, and with a flick of his consciousness, the talismans immediately turned into a string of fireballs, hitting Jiang Yuebai like a barrage of cannons.
She had just used her hand smoothly and accidentally used the water spirit energy to activate the Grass and Tree Art, and then her hand was frozen.Three of them have not reached the second floor and cannot help.
However, even if the young man in black acted rogue, Cao Yun could not do anything about it, because he had no way to deal with these people, and he did not come here today.Tasting wine Is this still the case when tasting wine As Li Yuxi said this, he imitated what Luo Chen had just said.
As a result, there were endless consequences. For such an injury, even if he had the elixir, no one would be able to do it.The passage looks like it was cut manually. There is a small cave every other section of the road.
Naturally, they have heard about the treatment of disciples of Ziwu Villa from this person s mouth.After cutting the rope, Luo Chen did not stop at all.
Jian Lei said That young man is not simple. He should have hidden his cultivation.When the woman saw this, a trace of pride flashed in her charming eyes.
He also knew why Luo Chen treated him like this. With a wry smile in his heart, Zi Ye pretended that nothing had happened.Luo gets in it will belong to Mr. Luo Oh Are there other treasures Luo Chen s eyes lit up and he smiled slightly.
Ha Jing Ba saw the old woman pinned to the ground by Luo Chen s knife.Returning to the street in front of Dinghe Pawnshop, Luo Chen saw that the door of Dinghe Pawnshop had been closed, but the inside was still the same as when he left.
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Bitch How shameless. Zheng Xiaoliu stared coldly and gritted his teeth and said A proud daughter of the Huashan sect, a famous martial arts sect, has actually done such a dirty thing as killing people and seizing treasures.Although it is not meal time yet, there are still many people sitting there.
Immediately, Qingshan asked again Has everything been cleaned up Cleaned up The team member nodded and said with a smile This bandit s den looks dilapidated, but it has hidden a lot of good things.You even killed Jing Qi of the Hidden Killing Sect.
However, Luo Chen had already sensed the situation here when he first came to the Colosseum, so he was quite familiar with it, so he raised his feet and walked forward.He finally got the seven THC Gummies for Sleep Reddit: A Comprehensive Guide to Better Rest (XeiTN)
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These two people are It was Ning Yue, the head of the Huashan Sect, and Ling Xue, the head wife of the Huashan Sect.Chen er, there are a lot of things to deal with in the grocery store, and it How Byetta Weight Loss Injections Can Help You Lose Weight and Manage Diabetes
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Brother Wuqing must keep his hands off his younger brother At this time, Akihito and Sima Yan had recovered from the injuries sustained during the battle.Tell me Which force sent you Yun Mo walked up Understanding Peak 8 CBD Gummies: Benefits, Ingredients, and Where to Buy
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They didn t think that small beast could do anything to Luo Chen.When Princess Nanyang saw someone targeting Luo Chen, she was extremely happy and looked at Luo Chen with a look of gloating.
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Ziwu Villa. Zhou Song looked at the huge villa behind him and said to Bai Yi Master Bai, what do you think of Luo Tianhe Unfathomable Bai Yi looked at Ziwu Villa with erratic eyes and uttered four words.Everyone is tightly wrapped in armor, with two iron hands, holding a rein in one hand and a sharp spear in the other.
Luo Chen saw all the major forces suppressing his father before.There are many things that need to be prepared Not so fast After saying that, Zheng Xiaoliu seemed to have thought of something again, and added By the way Tonight I learned from his big brother I also heard a message in the account that Daqian seems to have an internal agent of theirs who will assist them in attacking Daqian.
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asking to see you Female guard Luo Chen was stunned, and then the figure of Qin Xiaofei appeared in his mind, so he ordered his servants Go and invite her to the lobby Yes, Young Master The servants left in response.
She gritted her teeth, her eyes full of stubbornness that refused to admit defeat.At this time, a harsh sound came from the pavilion where the monks from the aristocratic family gathered.
They couldn t argue, so they kept calling me by my first name.There is only a female cultivator in the late stage of foundation building on this island.
They sat down in rows and columns in front of Jiang Yuebai, with their backs straight and their heads stretched out, their eyes shining brightly.She usually had no friends. Although she didn t have a close relationship with Jiang Yuebai in Shimen City, she had seen the three of them get along with each other, lively and cordially, which made her very envious.
It is magnificent. The dragon s mouth roars at everyone, and a fierce aura spreads across the face, making people feel fear from the depths of their souls.Suddenly, Jiang Yuebai s neck tightened, and the cold and heavy force kept tightening, making it difficult for her to breathe.
Fang Mingli s eyes flashed, and the Chunqiu sword cut out with a dazzling edge, hitting Lu Nanzhi s side to break.boom The wings shook open the giant axe, but Bai Ling went around Shen Huaixi s back and spread it out, like a snake entwining itself, tightly binding Shen Huaixi inside and tightening it suddenly.
Under normal circumstances, the monks who transform themselves into gods cannot become the masters of the big world.The leader with a red nose was the one whose face was stepped on by Jiang Yuebai before.
You should familiarize yourself with the work everywhere in advance.The golden red flames rushed in front of Arisaema, who retreated in panic, eyes full of disbelief.
It would be wrong to say more, so it would be better not to say anything.It seems unusual to come to him instead of discussing this matter with Lord Bichenxing.
There was silence for a while, and the two of them looked at each other sideways, unable to believe that there was still an old monster alive in the secret realm of the Hidden Immortal Sect that had been destroyed for more than three thousand years.This is a road of no return. Can you understand your thoughts amidst the endless hatred It is easy to cultivate the devil but difficult to guard the heart.
Hong Tao personally took the wooden sign and handed it to the young monk.It didn t matter, they were all memorized anyway, and she would write them down silently to deepen her memory when she had time.
Por Octavio Osorio | Vicepresidente for Latin America Enterprise.