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❶ Blockchain and artificial intelligence will become the twin prides of the world in the future
Blockchain and artificial intelligence will become the twin prides of the world in the future
In our current era Change and innovation are needed, and blockchain, artificial intelligence, and new retail are the products of the innovation of the times that have become popular in recent years. These are all things that we are proud of. Blockchain and artificial intelligence have become the two most discussed concepts in 2018. Blockchain and artificial intelligence, both have loyal supporters in various industries. Which technology better represents the future development direction of technology?
In the past year, blockchain has An epoch-making technology has entered the public eye dazzlingly. It is considered to be the most likely technology to bring about disruptive changes at present, and is enthusiastically pursued by venture capital and capital with keen sense of smell.
Whether AlphaGo beats the human Go world champion, unmanned supermarkets open stores, or self-driving cars continue to hit the road, artificial intelligence has become the protagonist of daily news. With Google announcing the establishment of AI China in China Center, promoting the development of artificial intelligence has been written into the government work report. Today, China has become a major player in the world's artificial intelligence industry. 2017 was a wonderful year and was called the "first year of application" of blockchain and artificial intelligence. It can be predicted that blockchain and artificial intelligence will still be in the spotlight in 2018, attracting great attention from all parties.
So what exactly are blockchain and artificial intelligence? Blockchain is a decentralized medium that brings an innovative value storage and circulation model, while artificial intelligence makes machines like humans Create value, it is a new value creation system. Therefore, blockchain represents the future production relations, and AI represents the future productivity. From the popularity of "blockchain at three o'clock" in the circle of friends in the early morning, to the 2018 government work report's extensive explanation of artificial intelligence and blockchain, these two cutting-edge technologies that have firmly captured people's attention are so different. So much so that any attempt to combine the two will inevitably arouse the curiosity and doubts of the world.
Blockchain and blockchain technology are two different circles. We often say that the currency circle and the chain circle are a common division. The currency circle discusses the growth value of the currency, while the chain circle discusses the Pure technology, so sometimes it is said that the concept of blockchain is greater than blockchain technology. In fact, blockchain technology is relatively not difficult, and its technology can be used in many places, but it is precisely its technology that sometimes limits its development. On the contrary, the problem faced by artificial intelligence is how to coexist with humans. Artificial intelligence is promoting the progress and development of the times in many aspects, but human society is not really ready to welcome the arrival of the era of artificial intelligence, whether it is in terms of human consciousness, ethics, laws and regulations, or social management. There is still a long way to go.
The rapid advancement of artificial intelligence technology forces humans to develop further and innovate continuously instead of standing still.
❷ Artificial intelligence, blockchain, cloud computingHow computing and big data will affect the future
Blockchain and artificial intelligence have been very popular in recent years
First of all, blockchain is to establish a decentralized network, so-called decentralization Transformation means that this network does not belong to you nor to me.
It belongs to everyone.
Artificial intelligence refers to a new technical science that studies and develops theories, methods, technologies and application systems for simulating, extending and expanding human intelligence. In other words, "machine self-learning"
In this way, we can think about the combination of blockchain and artificial intelligence.
First of all, we need to understand that blockchain can currently be simply divided into three stages.
In the first three stages, there are problems: the inability to truly achieve decentralization, low scalability, incentives for block producers and the best of the entire network. Problems such as revenue mismatch and the network always running at maximum capacity. A serious waste of resources and reduced efficiency.
So can we combine artificial intelligence into the underlying public chain technology to solve these problems?
The answer is yes! And there is already a team developing it and has made certain progress.
Velas is a public chain that uses artificial intelligence (AI) optimized neural networks to enhance its consensus algorithm, perform self-learning and self-optimization, and is committed to improving the security and interoperability of the transfer process and smart contracts. flexibility, and high scalability. Velas uses AI-enhanced DPoS consensus to achieve complete decentralization without reducing security and transaction speed. Not only that, AI chooses who to mortgage tokens based on the needs of the blockchain; Velas only produces blocks when needed; between every 1 second and every 2 minutes; scalability (scalable to 30,000 TPS); block producers are selected through artificial intuition.
❸ Financial Technology ABCD: Artificial Intelligence, Blockchain, Cloud Computing, Big Data
Recently, Han Han, chief engineer of the China Academy of Information and Communications Technology and head of financial technology, spoke at the "2018 At the "China Fintech Industry Summit", the "Research Report on Development Trends and Application Scenarios of China's Fintech Frontier Technologies" was officially released, explaining in detail the four aspects of A (artificial intelligence), B (blockchain), C (cloud computing), and D (big data). Big technology development trends and implementation solutions in the financial industry predict seven future development trends of financial technology.
Technology has quietly changed the ecology of the financial industry
First, the rapid rise of Internet finance has had a huge impact on the traditional financial industry. First of all, Internet technology has greatly expanded the channels and methods of information dissemination, greatly reduced the phenomenon of information asymmetry, and expanded the customer base of both supply and demand sides of financial services. Secondly, under the Internet financial model, both parties to the transaction interact directly online, breaking the limitations of time and space and improving transaction efficiency.Reduce the consumption of intermediate links and intermediate costs. Furthermore, the Internet uses advanced technology to achieve a high degree of real-time sharing of resources, which can gradually realize self-service, automation and systematization of business processing, making transactions more convenient and effective.
Second, a large number of non-financial companies have entered the financial industry, and financial market entities have undergone significant changes. On the one hand, a large number of technology companies have taken advantage of the development opportunities of financial technology to actively obtain financial licenses and provide financial services across borders. "Technology + License" has become a trend. On the other hand, a large number of traditional enterprises with To C service experience have taken advantage of their user scale and actively provided cross-border financial services through the combination of user data resources and financial technology. In addition, a large number of emerging entrepreneurial companies relying on financial technology have become an emerging force in the financial market, and technological and business model innovation in the field of financial technology have become their core competitiveness.
Four major technologies have been implemented in the financial industry
Currently, emerging technologies such as "Big Wisdom Moves to the Cloud" are rapidly evolving, and human society is moving from informatization to digitalization and intelligence. With the in-depth application of emerging technologies such as cloud computing, big data, artificial intelligence and blockchain in the financial industry, the role of technology in finance has been continuously strengthened, innovative financial solutions have emerged one after another, and the development of financial technology has entered a new stage.
Among them, cloud computing technology can provide a unified platform for financial institutions, effectively integrate multiple information systems in the financial structure, eliminate information islands, and fully consider information security, regulatory compliance, data isolation and neutrality. When other requirements are met, it provides strong support for organizations to handle unexpected business needs, deploy services to quickly go online, and realize business innovation and reform. Big data technology has brought a large amount of data in different types and formats to the financial industry. Analysis based on big data can extract valuable information from it, providing information for accurate assessment, prediction, product and model innovation, and improving operating efficiency. new means. Artificial intelligence can replace repetitive human work, improve work efficiency and user experience, and expand sales and service capabilities. It is widely used in customer service, intelligent investment advisory, etc. Blockchain technology can effectively save clearing costs among financial institutions, improve transaction processing efficiency, and enhance data security.
Seven major development trends in financial technology
With the continuous integration of finance and technology, seven major development trends in financial technology will emerge, Han Han said,
< br />The development of cloud computing technology has entered a mature stage, and the application of financial cloud is also moving towards a more core and critical "deep water area". According to a survey by the China Academy of Information and Communications Technology, more than half of financial institutions use open source cloud computing technologies such as OpenStack. Traditional computing, network and storage cloud solutions have been homogenized. What customers need is upper-layer PaaS or even SaaS capabilities or even business and commercial solution capabilities. Vendors with actual business experience in Internet finance and ecological partners are moreCan be favored by customers. The field of cloud places special emphasis on “eating your own dog food”.
The financial industry has abundant data resources, and business development is highly dependent on data. The application of big data technology in the financial field started early and developed rapidly, and has become a basic capability of the financial industry. At present, the application of big data in the financial industry has become very common and mature, and has achieved relatively significant application results. The biggest feature is that the capitalization of data has become increasingly prominent, in-depth big data analysis has become more and more important, and user portraits and Knowledge graph has become the most important technology. In 2017, knowledge graphs suddenly became popular. In addition to traditional entity knowledge graphs, event graphs (describing dynamic relationships) began to become more and more important, that is, real-time requirements are getting higher and higher, and time is money. In addition, another key issue is the legal acquisition of data, which involves legal, policy, technology, mechanism and other issues, and requires the promotion and efforts of all parties.
Artificial intelligence is generally divided into computational intelligence, perceptual intelligence and cognitive intelligence. There are three levels of intelligence. Judging from the current application trends of artificial intelligence in the financial field, computational intelligence, through combined application with big data technology, has covered various financial application scenarios such as marketing, risk control, payment, investment consulting, investment research, and customer service. The most important thing about artificial intelligence is AI in all. Many traditional finance businesses are "knowledge-based" businesses, which operate according to rules and experience. Many simple and repetitive tasks have been proven to be completely replaced by AI (such as customer service). Cognitive-based businesses currently see It is also possible that machines are no worse than humans (such as robo-advisory, intelligent marketing). So the most important thing in the financial industry is how to maximize the value of people. The first is risk prevention. AI algorithms may not necessarily be completely correct and need to be supplemented by people in the preparation or review of sample characteristics. The second is financial innovation. Innovation is an art. There is currently no evidence that AI is unique in innovation, so human innovation Very important; the third is to give full play to the value of domain knowledge. The biggest flaw of AI at present is that it cannot work without common sense. Knowledge will become an important watershed for competitiveness. Knowledge maps, business rule supplements, and business data annotations all generate knowledge. means.
Blockchain technology has been receiving widespread attention in recent years. Its technical attributes of being open, non-tamperable and decentralized have inherent advantages in application in the financial field, because essentially blockchain is a An economic model that mainly solves the accounting problem of non-trusted networks. If other technologies are mainly about changes in productivity, blockchain is more like a change in production relations. We have several judgments:
(1) Blockchain technology has not yet matured to the financial level, including whether there are technical problems with alliance chains that are often used in finance. It is still a process of exploration, so you will see that there are no large-scale financial blockchain applications (non-digital currency) online. , there are many attempts, but it is still early to popularize;
(2) Because blockchain is not just a technology, the impact of blockchain in this round of technological revolution is far greater than that of other technologies, and there may be subversionWith the emergence of new businesses, technologies or enterprises, this trend is unstoppable. Some people say that this is the spring of the value Internet. It may not be too much;
(3) Blockchain 3.0 is called decentralized application. The application ecosystem will determine the final winner. At present, both public chains and private chains (or alliance chains) have some financial applications, but they are not yet popular, and the winner is still undecided. Big companies may not necessarily have advantages here, and the power of open source cannot be underestimated;
(4) Policy risks are still great, including recent ICOs and token issuances, some of which may be pseudo-innovations.
The country attaches great importance to financial risk prevention and safety supervision. The report of the 19th National Congress of the Communist Party of China clearly stated that it is necessary to "improve the financial supervision system and maintain the bottom line of preventing systemic financial risks." With the widespread application of financial technology, the financial industry ecology has undergone profound changes, and innovations in financial service models represented by Internet finance are emerging one after another. The traditional ex post facto, manual, and traditional structural data-based regulatory paradigm can no longer meet the regulatory needs of new financial technology formats. Regtech, which aims to reduce compliance costs and effectively prevent financial risks, is becoming a financial technology important parts of.
Using regulatory technology, on the one hand, financial regulatory agencies can complete compliance audits more accurately, quickly and efficiently, reduce manpower expenditures, achieve real-time control of financial market changes, and conduct regulatory policies and risks Preventive dynamic matching adjustments. On the other hand, financial institutions can seamlessly connect with regulatory policies, timely self-test and verify business behaviors, complete proactive identification and control of risks, effectively reduce compliance costs, and enhance compliance capabilities. It is foreseeable that in the next 1-3 years, regulatory technology will rely on the management needs of regulatory agencies and the compliance needs of the industry structure, enter a stage of rapid development, and become a flashpoint for financial technology applications.
While technology meets demand, it will also continue to develop and innovate driven by demand. While fintech applications are promoting the transformation and development of the financial industry, financial business development and changes are also constantly generating new technological application needs, which will achieve a reverse drive for fintech innovation and development. This drive can be significantly reflected from the two main lines of development and supervision:
First, at the development level, the application of new technologies promotes the transformation and development of the financial industry towards inclusive finance, small and micro finance, and smart finance. , and the new financial model has derived a series of new needs in marketing, risk control, customer service and other fields, requiring new technological innovations to meet them.
The second is the regulatory level. The combination of the Internet and finance has brought about a series of innovative financial business models, but at the same time, the rapid development of Internet financial business has also brought about a series of regulatory issues, which also have a negative impact on finance. Supervision has put forward new requirements, which require regulatory technological innovation to realize and support. Judging from future development trends, as finance and technology become more closely integrated, the mutual driving force between technology and demand will become moreIt is increasingly obvious that the technological innovation and application development of financial technology are expected to enter a more benign cycle of interaction.
Emerging technologies such as cloud computing, big data, artificial intelligence and blockchain are not isolated from each other, but are interrelated, complementary and mutually reinforcing. Big data is the basic resource, cloud computing is the infrastructure, and artificial intelligence relies on cloud computing and big data to promote the development of financial technology into the intelligent era. Blockchain creates conditions for the transformation of financial business infrastructure and transaction mechanisms, and its implementation is inseparable from the support of data resources and computing analysis capabilities.
From the perspective of future development trends, emerging technologies such as cloud computing, big data, artificial intelligence and blockchain are becoming more and more closely integrated in practical applications, and the technical boundaries between each other are constantly weakening. In the future Technological innovation will increasingly be concentrated in technology intersection and integration areas.
Especially in terms of specific application implementation in the financial industry, financial clouds and financial big data platforms are generally constructed in a centralized and integrated manner, and related applications of artificial intelligence will also be deployed and implemented based on centralized platforms. The development of a new generation of information technology is forming an integrated ecosystem and pushing the development of financial technology into a new stage.
❹ IoT, blockchain and artificial intelligence applications are interconnected
The connection between business and technology is very close, and the business economy will be affected whenever technology develops. Three emerging technologies are an important part of the business world: the Internet of Things, blockchain and artificial intelligence. Whenever a new technology is launched companies start to reveal its potential to improve existing business models.
Cutting-edge technologies such as blockchain may provide technical support for solving the pain points of copyright disputes and help the high-quality development of the copyright industry. At present, the main resistance encountered in the development, management and commercial realization of copyright is that it is difficult to determine copyright ownership. "Transportation" and plagiarism are common phenomena. The realization mechanism of copyright operation still needs to be further improved.
In the digital era, the widespread application of electronic seals has played an important role in improving the operational efficiency of government and enterprises. However, electronic seals also face the problem of data tampering and difficulty in mutual recognition of information. Blockchain technology has become a solution. A large number of "blockchain + seal" platform applications have emerged for a while.
Smart contract technology represented by blockchain can effectively promote collaboration among all parties in the industry chain. Participants such as copyright content parties, secondary creators, merchants (authorized parties), and service providers who communicate and trade point-to-point in the industry chain can instantly complete in-depth cooperation through the smart contract technology of the blockchain.
Copyrighted content parties can also use NFT and other related blockchain technologies to convert creators’ digital content into digital goods faster. Blockchain technology decentralizes databases so that everyone can access the data, which can help them recall information without spending a lot of time and effort.
Artificial intelligence, blockchain and the Internet of ThingsThree technologies are changing the world. They are proven to offer better opportunities in core business and building capabilities.
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