Banca sin oficinas y los retos del servicio al cliente

El desarrollo de aplicaciones especializadas en transacciones financieras, el creciente uso de las redes sociales para servicios de atención al cliente y la proliferación de Contact Centers han permitido el aumento de “bancos sin oficinas”, con el consecuente beneficio de reducir costos y eliminar largas filas, entre otras ventajas.

En casos como el de España, entre los años 2010 y 2015, las entidades de crédito adheridas a la Confederación Española de Cajas de Ahorro (CECA) han disminuido su número de sucursales en un 38.7%, pasando así a disponer únicamente de 14.256 oficinas. Respecto a las instituciones financieras que forman parte de la Asociación Española de Banca (AEB), los datos señalan que han experimentado un recorte del 16.2%, contando con un total de 12.331 de establecimientos al cierre de 2015 (https://www.helpmycash.com/blog/bancos-sin-oficinas-presente-o-futuro-sistema-financiero/).

De acuerdo con Asier Bollar, director de Mercadotecnia de Aspect Software América Latina, ese fenómeno se explica con base en tres razones: El desarrollo de aplicaciones financieras seguras, el creciente uso de las redes sociales para atender el servicio al cliente las 24 horas del día durante los siete días a la semana y, la consolidación de un robusto sector de Contact Centers dispuesto a solucionar cualquier petición en caso de que el usuario requiera hablar con un representante.

“Esta combinación de factores nos está llevando hacia un nuevo tipo de banca mucho más ágil y diligente, que puede atender a sus clientes a cualquier hora del día sin tener que moverse del sitio donde uno está. Esta tendencia traerá grandes beneficios para las entidades bancarias y financieras como la reducción de costos en la compra y mantenimiento de edificios, pero lo más importante es que los clientes evitarán largas y tediosas filas para realizar cualquier trámite”.

Menos trámites

Según www.helpmycash.com, el uso de estas herramientas ha simplificado la realización de trámites como la apertura de cuentas de ahorro, trámites de créditos o pago de hipotecas.

“Ya no necesitamos acudir a una oficina, hacer fila durante prácticamente toda una mañana y rellenar decenas de papeles con nuestros datos personales. Todos estos trámites han sido sustituidos por sencillas acciones como entrar en la página web de la entidad bancaria, descargarse una aplicación móvil o, incluso, hacerse una selfie”, indica el reporte de HelpMyCash, uno de los comparadores de finanzas personales más importantes de España.

El representante de Aspect Software añade que la banca sin oficinas exigirá un servicio al cliente mucho más riguroso, ágil y expedito especialmente porque las nuevas generaciones de clientes realizan un uso más intensivo de los dispositivos como teléfonos inteligentes, tabletas o computadoras portátiles.

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Of course, I don t have the documents. Do you want to abide by this temporary regulation The person called Director Li stopped talking and sat How To Make Oatmeal Water For Weight Loss Elle King Weight Loss:How Elle King Used Apple Cider Vinegar to Drop 10 Pounds Just a Week Before Christmas back.Du Heng Smiling, he didn t want to embarrass Wu Shengnan.

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Dean Du, how is the situation Is there anything you can do Mei Dong asked softly when he Choice THC Gummies: A Selection of the Finest Parking In Cbd saw Du Heng handing the hair Can I Have Hot Dogs On Keto Diet Zion Williamson’s Incredible Weight Loss Transformation to the nurse.Du Heng looked up and down, reached Discover Keto Gummies at Dischem: A South African Keto Solution Keto Chow Pudding out and patted Wu Buwei on the shoulder, and said with great satisfaction, Then I will arrange some work for you.

What s more, the Second Affiliated Hospital of Jin University has recently established a children s hospital.To put it bluntly, intestinal function must To work normally, lung function must cooperate.

Du Heng and everyone had already known about this matter, and everyone knew it, including Lu Guangying, Biolyfe Keto Gummies Reviews: 10 American Working Moms’ Journey to Weight Loss Otc Weight Loss For Women so she did not shirk it.But the sudden birth of a little grandson made her insist on not falling asleep.

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The whole place became a special place for the elderly.Don t say I m scaring you. Look at your legs and feet now.

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Xiao Li When did you come Du Heng greeted him affectionately and put his arm around the young man s shoulders.Therefore, the accumulation during this period of time Male Enhancement Pills At Gnc Reviews Best CBD Gummies for ED: Comprehensive Review and Recommendations can only last a thousand people.

If you understand, then you don t have to waste any time, the prescription is useful, and Du Heng will help you advertise in vain.Did you also apply for it Du Heng Wei Wei was surprised, That should be it, but I don t know the specifics.

As soon as Du Heng s voice fell, Liang Lihai fell asleep as soon as he closed his eyes.You can drink it for two days and you ll be fine. But your blood pressure must be kept under control and you mustn t let it get too high.

He thought that he could use the medicine after getting the prescription, and at most he could just add or subtract according to the dosage.I also went to give my brother in law a review by the way.