A Internet das Coisas (IoT) com certeza vai revolucionar alguns mercados óbvios, como o de casas inteligentes, wearables e automotivo, onde já foi estrela na última CES. Mas setores mais corporativos, como o mercado financeiro, também devem passar por grandes evoluções; algumas não visíveis aos consumidores, mas que causarão grande impacto na vida das pessoas.

E para quem ainda acredita que se trata de utopia, segundo a Harbor Research 65% dos aplicativos de IoT em produção hoje no mercado já geram receita para as empresas, percentual que deve chegar a 80% em 2018.

Voltando ao mercado financeiro, em pesquisa feita pela TCS – Tata Consultancy Services, as corporações desse segmento já reportaram investimentos de US$ 117,4 milhões, no ano passado, e planejam elevar o montante para US$ 153,5 milhões em 2018.

O principal foco de investimentos em 2015 foi o monitoramento de produtos e serviços financeiros (responsável por 32% do budget). No entanto, quem deve virar a menina dos olhos da IoT para bancos será o monitoramento de clientes, que hoje é responsável por 30% da fatia, mas em 2020 deve crescer para 34%, segundo a pesquisa.

Entre as iniciativas mais populares da IoT estão os aplicativos móveis, com 65% de adesão nos bancos entrevistados pela TCS. Na outra ponta, engatinhando, mas ganhando corpo, estão os wearables, presentes em 16% das instituições financeiras.

Atualmente, os aplicativos de celulares dos bancos já mudaram a vida de muitos consumidores através das transações financeiras que são possíveis realizar como: pagamento de contas por meio de leitura de código de barra em um celular com NFC; fazer compras por meio de aproximação de um celular ou smartwatch – através das carteiras digitais acopladas nos dispositivos; uso de biometria, onde é possível sacar dinheiro e realizar outras transações financeiras com o reconhecimento da digital.

Em termos concretos, o foco da indústria nessas novas tecnologias deve misturar segmentos que antes pareciam ser água e óleo, como o de banking com o automobilístico. Já existem inúmeros projetos de mobile payment via “carro conectado”, por exemplo. De fato, a grande tese é que a Internet das Coisas vai na verdade se transformar no Banco das Coisas.

Ou seja, é o setor financeiro se infiltrando em todas as outras verticais. Pode não demorar muito para que o Dash Replenishment Service, serviço da Amazon que reabastece produtos conectados que precisam de suprimentos, tenha espaço para parceiros do segmento financeiro.

Afinal, alguém precisa garantir a segurança nas transações financeiras. Prever o futuro é difícil, mas é certo que os agentes do mercado financeiro vão ser protagonistas dele.

* Henry Manzano é CEO para a América Latina da Tata Consultancy Services (TCS), empresa líder em serviços de TI, consultoria e soluções de negócios.

You remember the first alien invasion, back in ‘96? The White House got the explodo. Will Smith was chairman of Earth’s welcoming committee. We killed the alien mothership with a computer virus. It was a simpler time.

Cue 2016 (and Independence Day: Resurgence). Set 20 years after the first Independence Day, humanity has come together, co-opted the alien tech salvaged from the first invading force, and done everything possible to prepare in case the aliens ever came back. It’s easy to see those two decades between the movies actually happening.

It might not be something you’d expect from the sequel to Independence Day, but there’s a sophistication to the world building, and it’s a tragedy how little time the movie has to explore it. The post-war golden age feels fresh and clever, but we only get the barest taste before things start exploding. And the explosions come early and often.

Director Roland Emmerich–who was hemmed in by ‘90s special effects when he made the first Independence Day–is back at his annihilative best. It feels like the director behind the wanton destruction in Godzilla, The Day After Tomorrow, and 2012 finally has the means to kick things up to an interplanetary scale. If you go see Resurgence on a big screen, this is what you’re paying for.

There’s hardly a reprieve for the remainder of the two-hour running time. It all looks great, but it’s hard not to get a little fatigued before the big finish. There’s also little room for escalation after the initial, impressive reveals, so the ending felt much flatter than it should have.

The majority of the 1996 cast returns for Resurgence, but 20 years and a Law & Order spinoff later, Bill Pullman and Jeff Goldblum aren’t exactly the blockbuster box office draws they once were.

That said, Jeff Goldblum gets to step out from Will Smith’s shadow in this one, even if his whole role seems to be tricking you into enjoying confusing exposition. He steps back into character somehow entirely po-faced and in on the joke.

The problem is that after a throwaway explanation for Will Smith’s notable absence, Resurgence largely hands over the reins to new cast members fronted by Jessie T. Usher (playing the son of Smith’s character) and Liam Hemsworth (not Thor, the other one).

Usher and Hemsworth’s characters spend the early parts of the movie competing over who has the bigger chip on his shoulder and the later parts shooting their way from one plot point to the next. And then still more characters get thrown at the screen. Between cameos and a horde of new faces, Resurgence spends so long jumping between its unwieldy cast you never really get the chance to connect with anyone.

Everyone gets a character moment or two, but the front-and-center newcomers don’t seem comfortable enough to indulge in the cheesy blockbusterness of it all, and the movie suffers for it. Goldblum, Brett Spiner, and Judd Hirsch manage to make hay with their screen time and inject enough enthusiasm to keep everything from flatlining, but their all-too-rare comedic beats are at odds with the overly dour younger cast.

Emmerich is known for making a certain kind of movie. Resurgence is exactly what you expect from him, down to the predictable story beats, laughably earnest dialogue, fundamental misunderstanding of science and plot holes deep enough to reach the Earth’s gooey delicious center.

The first Independence Day was all those things too. Except back in 1996, it was at the forefront of the modern wave of sci-fi revival. It made it easy to not only ignore, but revel in the B-movie blockbuster spectacle of it all.

Go watch aliens get blown up, go laugh at the parts that are intentionally funny, go laugh at the parts that are unintentionally funny.

Like Jurassic World before it, Resurgence is a throwback that feels like a slightly off-key greatest hits. Credit where it’s due, it works overtime to outstrip the effects-driven extravaganza of the first, but it feels like it loses the point along the way.

It’s paying dutiful homage without embracing what made the original fun, and the result is that 20 years from now Resurgence won’t have its own Will Smith forming Earth’s one-man welcoming party, or the day being saved with rousing patriotism, or that one precision beam destroying the White House.

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