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.
Una encuesta realizada por un proveedor de tecnología basada en la nube que ayuda a los transportistas a conectar datos y procesos dispares desde paquetes
Superar los cuellos de botella en la cadena de suministro requiere un enfoque integral. Desde la identificación de problemas hasta la implementación de tecnologías y la contratación de personal adicional, las estrategias deben adaptarse a las necesidades específicas de cada empresa. La inversión en tecnologías innovadoras y la colaboración con expertos en logística son pasos clave hacia una cadena de suministro fluida y eficiente. Con un enfoque proactivo, las empresas pueden anticipar desafíos y garantizar un flujo continuo de productos hacia sus clientes.
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.
Testing your trump card Yes. Qin Feng responded Not only are they testing me, they are also testing my master.Sun Jingjing stood up subconsciously. She is worthy of being the woman who has been with Huang Jiang for so many years.
He really wants to know why he was abandoned in the first place, and why no one is willing to recognize him back.Chen Chuqing came up and asked Do you need anything else Make a list and I ll go buy it now.
Qin Feng s tone was very indifferent In that case, then I will Why not make a bet with him, if we succeed, we can still breathe a sigh of relief.No one has ever raised any objection to Chen Li s share.
And maybe, the other party will be frightened by the sudden attack and turn pale, which would be nice.just because of his status as one of the top ten geniuses of the Dragon Kingdom.
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A peer of the same age, even far beyond them. If it had been before, others would have thought Qin Feng s words were exaggerating.Do you understand Lobby Manager He rolled his eyes and immediately understood Don t worry, you will be satisfied with our arrangements After saying that, he went out.
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I went there years ago. After saying that, Zheng Xiaoliu s eyes suddenly became uncertain.It should be no problem The merchant sullenly said with a sneer Although Jing Wu is also a second rate peak warrior, outsiders don t know that Jing Wu is just a code name.
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Even if he used force, If you want to surpass others, you have to hold the grudge on the spot.Then he grabbed the spear again, rose into the air, and stabbed Leng Feng in the face.
With a dark face and a flick of his sleeves, Sun Ji strode towards the stairs Humph I am a dignified Confucian scholar from the Imperial Academy, and I will not show off my rhetoric with vulgar warriors.Just kidding, let s not talk about whether there are extra black scale horses and black cloud horses.
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This kind of front loading gun was not effective. The firing speed was too slow.Seeing Luo Chen s sudden burst of strength, Pang Tong was shocked at first, and then felt a huge wave in his heart.
The gray figure took two or three steps back and then stopped, while the black figure holding Zonggan in his hand slid on the sand for two or three meters before kicking off his feet to stabilize his body.After saying that, Li Ge seemed to have thought of something and asked Brother Chen, did you save the mare, so you let this Experience the Revolutionary Power of Fulfillment Center Keto Gummies for a Healthier You
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Although they could not practice the Liuyan Sun Eclipse Technique , many of its contents still touched them.Naturally, he would not go to trouble Li Shiming alone.
Soon he showed a strange look, and the jade box contained the corpse core of a golden corpse.With branches distributed in various continents, Tianxing Trading Company has a huge network of collection resources and sales resources.
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After completing the task, the sword light will dissipate into spiritual power.He trusts Yun Xiao, but that doesn t mean he trusts the mid Nascent Soul sword cultivators that Yun Xiao knows.
He issued an order to his Silver Winged Spirit Gu Insect.I ve prepared the reward. I m also asking Master Li for help Ancestor Lou took out a jade box and placed it in front of Li Shiming and said.
There are fifteen fourth grade elementary demon elixirs alone, as well as two bottles of mid grade fourth grade elixirs and three mid grade fourth grade elixirs.Of course, opportunities also come with risks. Both Li Yuanba and Li Shiming encountered many life and death crises.
Li Shiming s mind moved slightly and he fired a self propelled cannon from his mustard ring.But when he faced the Jian Ancestor, he felt how terrifying the Jian Ancestor was.
During this period of semi reclusion, he not only completed the transformation of the golden and thunder Yuanying into the Sword Intention Chongxiao Jue technique and the rune dagger.Even if Li Shiming is rich, he cannot support this consumption.
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Although it is extremely rare for casual cultivators to defeat Gu Jia, most of the casual cultivators in Zhongdu join the sect for themselves or their descendants, and will never offend the monks stationed in Tianhai Sect.
Master Li, I won t disturb your meeting with Yin Shilan Patriarch Ge was also a sensible person.When Li Shiming came here, he took out his identity jade disc and opened the formation to enter the resource point.
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After a long time, Nascent Soul monks will study many professions.
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.