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.
Los edificios inteligentes pronto demostrarán enormes beneficios en términos de calidad de la experiencia del usuario final en comodidad, productividad e incluso darle ventaja competitiva global.
La interacción social entre astronautas y sistemas de asistencia equipados con IE podrían tener un papel destacado en el éxito de las misiones de larga duración.
Los entrevistados para este reporte coinciden en afirmar que la asociación con un 3PL integral experto, sea en gestión de operaciones como de bienes raíces, puede proporcionar una solución perfecta y potente.
The imagined danger did not appear. There was not even a single figure in the entire second floor of the Earth Center Tower.This is all what it should be, there is nothing to say, and everyone quickly reached an agreement.
Not only is her strength amazing, but her reflexes are also top notch.In the past ten days, Qingyang has been practicing the Five Elements Sword Formation behind closed doors.
The young man is also a good gambler and has a certain degree of confidence in his gambling skills.At this moment, a sudden change occurred and a strong wind rushed straight to the back of his head.
I didn t mean to be like this. Qingyang s explanation did not satisfy Qin Ruyan.Of course, at such a fast speed, you can t gain anything along the way.
The puppet s body is in better condition. The Three Yuan Sword Formation only damaged the surface.But think about it, each of them only consumed a piece of blood jade paste the size of a soybean.
Although the foundation building disciples were still fighting against the low level monsters, the intensity was not as intense as before, because they knew very well that the key to victory or defeat was still It depends on the golden elixir monk.However, since I can mediate between them, there should be no trouble.
If neither of the two brothers were injured, they might be able to fight together.How can there be gains without taking risks Qingyang glanced around and found nothing particularly important, nor any danger hidden, so he walked towards the steps.
Boss Hu didn t say anything directly, but asked first, Senior, are you also going to participate in the siege of Yinfeng Gorge by the seven immortal sects This is still useful.In the end, not only did he not spend any spiritual stones on this, but he actually had a slight balance.
Without the alcoholic queen bee to check it, it would be a bad thing if the Liang family ancestors went back on their word and carried out a sneak attack.At least with Qingyang s current strength of spiritual consciousness, it was impossible to explore the bottom of the river while standing outside.
The only thing that really fell on him was With only 10 left, he almost got injured in this way.Qingyang spent ten years cultivating from the beginning of Immortal Cultivation to the fourth level of Qi Refining, and became a mid stage Qi Refining monk in his twenties.
Fang. Elder Wuyin smiled slightly and said, Tong Yan has only been my teacher for more than two years.For the sake of being Qingfeng Hall disciples, Li Shengbo, Qingyang, and Chen Biwang did not abandon them, but took the initiative to stand up for them.
One Yuan Yang Dan requires about ten spiritual stones, and many foundation building monks only have a few thousand spiritual stones.If they cannot be defeated, it is not too late to escape.
I have always been the hope for the future of the sect.Counting the time, there are only twenty days left before the trial in Chaotic Demon Valley.
If you win, you will reach the top, but if you lose, all your efforts will be wasted.The blood lotus root was about to be obtained, and there was a hint of joy in Guo Kaifeng s eyes.
Those that are more than a thousand years old are worth as much as five or six hundred spiritual stones.Even if he reaches the Golden Core realm, there is a high chance.
With Senior Brother Tong s qualifications, I m afraid he won t bother to do this.The value is about the same as your two thousand year old spiritual grass.
Powerful advantages. Such a battle places a heavy burden on the true energy and spiritual thoughts and cannot last long.Not only had his cultivation improved by leaps and bounds, but his strength was also amazing, and he almost killed the head of the Liang family.
Everyone didn t believe it before, but now after Liang Zhongtian tried it, everyone has reconfirmed this.Because of the suppression of the Blood Sacrifice Forbidden Formation, the cultivation level of the living dead cannot be improved, and they will never be able to break through the foundation building stage in their lifetime, so their life span is also limited.
Only wealthy people like Qin Ruyan and Xiao Yuhan could do so.As long as they are not directly injured by the spear, other attacks will not be ignored by the demon monkey.
He was on the verge of death. It seemed that even if the third level living dead let him go, it was hard to say whether he could get out of here on his own.After sending the tall monk away, the young man took out his gambling equipment and started gambling with the old Taoist priest on the steps outside the side door.
There is a certain gap. If the Four Yuan Sword Formation hadn t shown its power, I don t know how long it would have taken to defeat Senior Sister Jiao.Needless to say, this river should be the legendary Blood River, but the red water is a bit difficult to understand.
Since Qin Ruyan is a descendant of the deputy head of Qingfeng Palace, her talismans must be very valuable.If the Yin Yang Sect discovers that the secret has been leaked, will they kill people and silence them No one is afraid of the Yin Yang Sect due to its apparent strength, but who knows if there are any ambush around Just now, the Yin Yang Sect was the last to arrive.
When he suddenly realized that he had already missed the planned time, he could not make it in time even if he had wings.Even if someone occasionally picks up a leak, it will only be a few thousand spirit stones at most, and there are almost no more than 10,000.
He got carried away by the so called reward and made others laugh.Including other consumption, we are a bit short changed in this mission.
This request must not be disagreed with by the master.
After that, the second step is to recover the primary and secondary thrusters.Xingyu Technology does not hope that in the next eight or nine months, users who want to buy STAR series mobile phones will not be able to buy the products.
There is actually some truth to these doubts, because this is indeed the case in Big A, and it is not uncommon.It is precisely because of the assistance of the digital life that the male protagonist develops it step by step.
All in all, gallium is the main material for the development of third generation semiconductors and is currently the most advanced semiconductor material in the world.Therefore, major shareholders have to increase their holdings to protect the market to prevent the stock price from plummeting and selling at low prices.
By then, the profit capital will easily reach hundreds of billions, and the market will be smashed later.Doesn t he want 50 million in investment I will give him 500 million but the equity will remain unchanged.
The risk is too great, and capital is unwilling to intervene.There was no need to say it, but he said it anyway, wanting to use it as a final compliment.
Hearing what his wife said on the phone, Qiu Guangcheng s expression changed slightly on the spot, and he quickly went to a fish landing and asked loudly What s going on How do I know his phone number Thinking of what my wife just said, Lu Chengye is going to hold a celebration banquet for me to reduce my weight.
There are also many investors who boast about doubling their profits in the comment area or communication groups, and there are also many people who eat big money.Fang Hong wants to develop a new medical model. The introduction of these emerging technologies can not only exert positive constraints on doctors, but also exert restraints on patients.
The data is more detailed and real time. Wall Street is sure that Qunxing Capital s trump card has been completely leaked under their noses without knowing it.The WCG is to include all e sports projects, and each specific e sports project can be metabolized within this system.
No one would have thought that an online video website with a price per share exceeding Maoti would be an online video website with a market capitalization of close to 60 billion yuan.This resulted in Wall Street s original operation of suppressing prices with the intention of causing Qunxing Capital to liquidate its position.
Thermal expansion and contraction are the biggest factors.Such a core leader will only have one in a year. Two of them captured almost the bulk of the profits for the entire year
End of chapter Fang Hong climbed up the stairs to read historical news in the group.
136 billion yuan, and liquid cash was 12. 2 billion yuan
The announcement disclosed that there will be a financial report conference call tomorrow afternoon, at which time Chen Yu will personally attend the conference call to make a report on the specific details of the interim results.Obviously, the establishment of that working group has nothing to do with the small news from Stars Capital.
Simply put, this plan is to allow other domestic mobile phone brands to use Xingyu Technology s operating system, mainly mid to low end brands.Everyone has to spend funds to celebrate the New Year, and not much incremental funds have come in.
In contrast, During the same period, Baidu s visits did begin to decline significantly.If the fuel is exhausted, there is definitely no way now but to leave it to fate.
One of them was still on the floor, and the stock price also fell to the current 2.Before Yixing Video s market performance, almost all investors believed that last year s demon king Weibo had a market price of more than 35 times.
The founders are all executives from Xingyu Technology.The executive next to him nodded again and replied Understood.
It rose and closed in Changyang with heavy volume. Judging from the market, all major sectors rose across the board, and individual stocks blossomed across the board, ushering in a long awaited blowout.Qunxing Capital will definitely not be absent from this track.
In the evening, heavy news came out of the Liwei market.Today the index closed the shadow line, and Yixing Video closed the upper shadow line.
I believe that raising funds is not to make money, but to really develop the company.Let it hang. Fang Hong thought for a moment and then ordered Since my identity has been dug out to the tip of the iceberg, don t take the initiative to cover it up.
The latest flagship products of the iPhone series have also been released simultaneously around the world, including the Greater China market.With R D tasks and enough profits to advance technology, how many high precision technology companies can be born with 75 billion It is obvious that Fang Hong wants to invest in basic scientific research through this ultra large budget project to support the development of related technology industry chains.
On the other side, the e sports situation is The channel is also watched by more than 8 million people at home on television.It is also the first day of resumption without price increases or decreases.
Now there are many melon eating netizens making fun of it online.As for the fact that many domestic movies are called 50 cent special effects, that is because most of the money is spent on the salary, and the actual budget ratio given to special effects production is very low.
What did you post In the game just now, classmate Xiao Ling chose V En and was caught by five people from the other side.Quantitative capital also achieved the daily limit again today, breaking out of the seven consecutive positives and having five boards in seven days.
The index jumped 1. 61 in the first fifteen minutes of the opening.It s really all an act. So the fatal blow should be given as soon as you take action to give your opponent time to react.
A hot money and a retail sales department of Dongcai.Data show that last year in 2013, the number of births in the country was approximately 16.
Generally speaking, the market is definitely not over yet.There was a high probability that the debt would not be collected, resulting in a large number of bad debts, which would make the hospital unable to operate.
31 to close at 9316. At 27 00, the total transaction volume of the two cities was 243.Some bargain hunters were eager to try, but after the opening of the market, these 12 stocks plunged straight down and collectively hit the limit.
With him taking the lead, everyone began to blast away at many issues in the medical field, exposing some of the filth in the sewers, and venting some of their unhappiness on the Internet.At least it can become a new performance growth point for Xingyu Technology.
Which one is better It s clear which one is weak. Once Xingyu Technology enters the international market, it will inevitably have an impact on Apple s iPhone business.If I want to return the chips, I have to sell them from the market and repay them.
On Friday, April 20, the Shanghai Stock Exchange Index rose sharply by 1.But at this moment, Fang Hong began to take inventory of the lists on this material one by one.
What is certain is that Blue Fox International is currently unable to make ends meet.In fact, not to mention the majority of investors in the secondary market, even the cooperative institutions of market makers such as Bell Capital and Perennial Capital feel that this is a bit excessive.
A hole has been dug in the moat of Goose Factory s social kingdom.Mr. Debra, are you satisfied with this meeting gift The person who said this was an oriental faced man who had been waiting in this room early.
it is also an almost cost free but highly successful marketing.This point is left blank in the current demonstration and design stage.
In the end, the market was firmly sealed and the T shaped market was reduced.Standing on the track was a four legged bionic robot, the main part of which was made of various wires.
On Tuesday, July 31, the market index broke out of its five consecutive negative days and fell as low as 2100.If everything All goes well, the first module of the Orbital Reef Space Station can be officially launched in 2020.
But Xingyu Technology is a good company that everyone knows , a company with unlimited potential, of course cannot do that, and it cannot take advantage of foreign capital, let alone do such stupid things as stretching its neck to let foreign capital harvest it.The existence of index protection. After a while, a barrage floated by Quantitative capital counter insurance has reached the daily limit, and the funds are very beneficial, haha After seeing this barrage, Fang Hong immediately opened the market software and switched to the Quantitative Capital market and took a look It s really up to the daily limit
This ticket also fell sharply yesterday because of the announcement of entering the online game live broadcast platform.
There are many stores selling smartphones on both sides of the street where he is located, but most of them are off brand phones.87 , with a market value of 116. 2 billion yuan. Weibo, which is listed on the main board of the Shenzhen Stock Exchange, has fluctuated around the price of 150 yuan for more than a year.
Huayang Group has indeed developed extremely rapidly in recent years.To put it bluntly, it is a problem of pie distribution in the industry.
To put it another way, even if the remaining output of more than ten tons is not enough for his European and American fathers, how can he get his turn Moreover, even if it moves out of the WTO, it will be okay.But soon people in the industry, especially Xiaomi and other friends, realized that these six companies were unusual, because their founders were clearly those executives who came from Xingyu Technology.
Combined with K God s prediction of the first half of the year, we will see a breakthrough in the second half.Both sides are large giants with huge appetites, so each wants to cut off the other s leeks.
The half elf leader followed with the half elves. However, the half elves distanced themselves and had no intention of fighting with the Shadow Swordsman, and carefully protected the bottles on their belts.Such a powerful force cannot be defeated. If it were them, no one thought they would perform better.
Both Zhao Hao and Freya can actually solve the ultimate nine headed monster.Without the protection of the Storm Territory, the other tribe would definitely be torn into pieces by the mermaids.
Are there any questions Zhao Hao interrupted the other party s persuasion.Dragon Blood Altar the only core building Consume the unit recruitment cost tier gold coins, increase the attributes by 30 , and transform it into a new camp unit exclusive to the lord.
However, she is also very smart. She does not get close to the massed targets at all and specializes in hunting down lone targets.Not far after the fleet left the maelstrom, they found that the surrounding fog suddenly thickened a lot, and at the same time, a melodious and sweet song sounded.
Observe the aftereffects. But after arriving in Youzhou, he was quickly assigned to the front line serving in front of the vanguard tent.After the dragon scale defense has been increased sixty times, although I still dare not boast about physical immunity , it is almost there.
It is precisely because of its powerful spell resistance and terrifying speed that the Silver Pegasus can win the title of Mage Killer.This was evident from his time in the Hero Competition, but at that time he only received evaluations such as lyb and heart.
Originally, Zhao Hao was planning to ask Turing to create an elemental pool.At this time he discovered something strange. The battle here lasted for more than half an hour, but there were no reinforcements.
The world of heroes is a world of magic and soul. If any noble dared to tarnish the family s reputation, it would be possible for the ancestors coffins to break down and rush out to strangle them to death.Although the players also retreated, they not only did not salute, but instead started talking in low voices.
If they were to rush to the front, their chance of survival would not exceed one third.Now he is the lord of Bucks Principality The lord purchased some demon corpses for research, what s the fuss about.
It s just that it s not easy to tame a mammal like a griffon, so the number is pitifully small and they are usually only used for reconnaissance and messaging.Even a non army golden dragon of the same level could hold out for a while.
Of course, at this time, the phantom shooters could no longer care about the attack and were quickly dispersing.The dispersion effect is great This time the Phantom Shooter only managed to kill a dozen or so big demons, which was completely incomparable to the dozens of big demons that attacked before and were killed in single digits in one round of long range attacks.
Actual combat is the best explanation No matter how powerful the aircraft carrier class is, it is better to let the Storm kill a chicken and show it to the opponent.But separated by five kilometers of sea, these strong men couldn t kill the Storm.
It has some effect on the God of Death, but not much, because those who can attack the God of Death will not give it much chance to suck blood.Anyway, Zhao Hao is not planning to engage in a landing battle with the opponent, but is preparing to destroy the opponent at sea.
You know, This means that he can produce hundreds of vine dragons in one breath without a long preparation time, and without using a second tube of health, which already shows that his strength has improved too much compared to before.Uh huh The cross shaped sword energy slashed over. There are also spells that have been weakened by the domain, and a spear shot like a war machine.
He immediately picked up some clues. But he didn t answer right away.A sea hero is extremely powerful in the territory. It was fine if there was no news before.
Every natural and man made disaster is an opportunity for him.It doesn t matter how many divine bodies you use, the key is to be fast.
vampire As long as the target is a living being, it can be swept away.When they become famous, they will surely have half elves to vote without Blackstone s persuasion.
But the energy is not unlimited. Once it is used up, you will have to rely on your flesh and blood to resist.In the Holy Church, only spellcasters who hold the power to interpret the teachings of the Holy Light are qualified to sit on the throne of the Pope.
The reason was that Zhao Hao suddenly exuded an aura that made him fearful.No problem, I will arrange it Barr nodded decisively and smiled even more at the same time
Why is he still happy when Zhao Hao wants to use his name to grab fat.
There are only five remaining great demons left. Yes, the Great Demon suffered huge casualties.However, this level is enough to change his abilities.
choke But a flash of golden light flashed, and he was instantly pushed back to his position by a fang shaped short knife.You know, all the champions in the past were heroes and had unparalleled influence in the military.
Some special treasures, battle skills, spells, etc.Next, Zhao Hao kept paying attention to the Eagle Claw Fortress.
It s not that Shinhwa deliberately made things difficult for him, but as the boss, he also needed to compromise before letting the two of them take charge of the players.But this is the Civil War of the Undead. If the golden dragon appears, do you believe that the undead boss will descend from the sky in any minute.
hiss After seeing the contents clearly, Zhao Hao took a breath of air conditioning and contributed to global warming.Only a big family like the Yinsi family can afford to raise spellcasters like gold swallowing beasts.