Latinia dio a conocer su perspectiva sobre los nuevos actores en el mundo financiero, “una nueva raza” de bancos, que ya se ven en el horizonte y que darán mucho de qué hablar en este y los próximos años: se trata de los neobancos.
“No son bancos según los entendemos hasta la fecha: son solo digitales, pero no son fintechs, pues disponen de licencias para operar, son excelentes en interactuar con el cliente y en su experiencia con él, son ágiles y disponen de recursos”, comentó Oriol Ros, director de Marketing de Latinia. «Esta nueva figura se enfrenta en todo caso a grandes retos, como la de alcanzar la meta de la sostenibilidad al no disponer de una masa de clientes suficiente, a los que habrá que evangelizar, aun así, su papel es imprescindible para entender la banca del futuro».
«Su rol es imprescindible dentro de la actual dinamización del sector financiero, tan convulso, entre la amenaza de los grandes actores digitales y las fintechs, pero es posible que los neobancos jueguen en el corto plazo un papel más importante, porque precisamente entienden mejor los ejes más críticos en los que se mueve la industria financiera en estos momentos; tecnología y cliente, y vienen con licencia para operar: Son el James Bond de la industria”, abundó Ros.
Es posible que su futuro esté escrito ya como nuevos actores digitales de la banca tradicional, que los abrazará para extender su oferta a las nuevas generaciones, convirtiéndose así en las nuevas marcas blancas de los bancos tradicionales, ávidos de encontrar un nuevo vínculo con un tipo de cliente que prefiere ir antes al dentista que a la oficina de su banco, por lo que reducir la interacción con el banco a la App contigua al Messenger de su Smartphone parece la aproximación más inteligente.
Al ser solo digitales juegan con ciertas ventajas, más allá de entender bien al público al que se dirigen; costos, agilidad y experiencia de cliente, y cuando se acaben los recursos, sino participados ya por bancos tradicionales, seguramente su marca será un buen activo que justifique su adquisición por parte de cualquier banco tradicional.
En una cosa están siendo especialmente ágiles: suelen apoyarse en las fintechs para ofrecer servicios financieros en los campos a los que no llegan, y aquí la industria tradicional está más ”temerosa”. “Los neobancos forzarán a la banca a acelerar su oferta y a adaptarla a una nueva demanda, sin oficinas, sin fricciones, en un entorno 100% digital. Cumplen, hasta cierto punto, una función social, son el eslabón necesario para cambiar de ciclo, y la historia así les recordará. Mientras los bancos tradicionales han sido empujados al camino de lo digital por presión competitiva, para los neobancos es algo natural, una opción de origen», aclaró el ejecutivo.
El concepto en sí es amplio, pero algo muy concreto los distingue; la voluntad de operar de forma distinta a cómo los clientes han interactuado con sus bancos en las últimas décadas, más allá del canal; lo digital es puro ADN, son, simplemente, una nueva generación de bancos, posiblemente con un recorrido finito, pero que resultarán clave para entender cómo la banca tuvo que adaptarse a una nueva realidad. Confianza y reputación ya no son suficientes, si bien siguen siendo los principales activos de la banca tradicional; el cliente se ha convertido en un radical de la conveniencia y a él hay que adaptarse.
Características clave de un neobanco:
100% digitales, ágiles y pocos costos de infraestructura.
Dominan la CX (Customer Experience).
Canal de distribución perfecto para el banco tradicional.
Capitales para entender el proceso de Transformación digital de la industria financiera.
Microsoft acerca a las personas y a las empresas a la tecnología, y este proyecto en conjunto con Schneider Electric es solo un ejemplo de los esfuerzos que se están haciendo para lograrlo.
Erich Wetzel, líder de la Amti, participó en el 9° Foro Nacional IMEF de Infraestructura, en el que se ventilaron acciones clave encaminadas a ofrecer respuestas a los retos de la demanda de servicios de punta.
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But in this case, Zhengyang Mountain will suffer. The so called opening up of ten sword paths to the top will only become the biggest laughing stock of Aquarius Continent.As for if someone is young and energetic, and wants to talk to me, Dali, about a supporter, it doesn t make much sense.
Zhou Mili suddenly realized, I guessed it. While Chen Ping an was looking for books, Du Xiucai walked out of the shop, came to the side of the bearded customer, and sighed , When it comes to the choice between the three religions and hundreds of schools of knowledge in the minds of monks, that boy s move is very dangerous.
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Is this empty pen holder missing something Liu Mao looked calm and said, If you want to accuse me, there is no need to worry.The god is just a local lord of Qidun Mountain. His rise is too weird. Who can burn such a cold stove Good luck in Luolu Mountain.
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An Ascension realm sword cultivator, and possesses four shocking natal flying swords Pei Min shook his head and smiled You can t be sure that I won t kill you, so you have to be so fearless, right This habit of liking to be beaten will change in the future.The word one written by the two swords together was enough to kill several Nascent Soul and Earth Immortals who were overwhelmed by heaven and earth.
Walking is the best form of walking, and even if you practice boxing without stopping, every time Chen Ping an makes a slightly louder breath, it is like the remaining damaged luck of Tongyezhou, condensed into a master of martial arts.Without exception, they are all under a mysterious and mysterious pressure. They are all trembling, and there are several great masters who are merciless.
Chen Lingjun followed Wei Bo, taking a mouthful of Brother Wei s food, which was as hot as a plate of food that had just been served to the table.While he was fishing, Chen Ping an was more concerned 95e Proven Best Way To Lose Belly Fat For Men Essential Benefits about the monks conversations, but there was nothing interesting about them.
But you must promise not to tell my master, and if master finds out later, he will not I m so angry. Jiang Shangzhen smiled brightly and said, It s a deal Pei Qian narrowed his eyes with a smile.
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She obviously said this to Han Yushu. Although Han Jiangshu could not detect any trace of his father, Han Jiangshu was not too surprised.The successive appearances of Jiang Shangzhen, Cui Dongshan, and Pei Qian, plus the secret letter from Xinhu, made it certain.
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With a gentle hiss, Luo Deng glanced at Du Heng subconsciously and said, The Heavenly King s heart buoyant pill is mixed with herbs to increase lung yin.Bee acupuncture therapy should use the tail needles of bees for treatment.
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Then, The cousin in front of her immediately lowered her head and buttoned her buttons, but she never dared to raise her head to look at Du Heng.Every doctor of traditional Chinese medicine knows that, except for some special circumstances, the prescription he prescribes according to the patient s Unleash 6p62 The Power Of Apex Acv Gummies A Revolutionary Weight Loss Solution For A Healthier You Iysu condition is the best for the patient.
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Only Du Heng himself, maybe because he has been eating sand rice from the northwest for thirty years, is really not used to Bagui s southwest local cuisine.A mean person who wants to kill him can calm down his anger, and a stubborn person who can make others angry to death, both can be considered the best among people.
An investment of 20 million yuan, for you, Dean Du, is almost emptying your cash.It doesn t take much. I publish one article a year, make millions in three years, and get a fully paid for new house in the capital in five years.
After a slight pause, Zhang Shiping said slowly, Next Sunday, I will have a small party here.If all patients could describe their disease process in an orderly and complete manner like the elder sister, it would greatly reduce the brain cell death process for doctors.
At this time, there was another person who had not slept for several days, and that was Du Ping.A happy episode passed like this. Du Heng and the other three Emily Simpsons 6zw8zi followed Wu Yueqing to his aunt s house, planning to stay here for the night.
He didn t know how to write this report and provide corresponding comments.Just like his previous paragraph After waking up, he was exactly the same as the eldest brother Du Ping he saw.
This made his originally dull mind begin to become clear again.Except for the cars rushing on the road, no pedestrians could be seen.
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I said why the food and drink are so delicious.Shao Nan still couldn t forget the food he ate at Shenmeng Restaurant yesterday.But for the fairy king of the fairy world, it has a great impact.
It s just that due to the inheritance of culinary secrets, it is impossible for Shao Nan to show them the real skills, so Lan Yin and the others can only worry.A while ago, there was only one wave of Bibo Huanyue clan passing by here a day.
Zihong Zhen smiled very cutely and beautifully.That s right Brother Xinghuo s smooth sailing has made almost all the geniuses owe Lan Yin a favor.After making up his mind, Shao Nan took out the white dragon broken fairy ship and put it in the spirit stone.
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Latinia dio a conocer su perspectiva sobre los nuevos actores en el mundo financiero, “una nueva raza” de bancos, que ya se ven en el horizonte y que darán mucho de qué hablar en este y los próximos años: se trata de los neobancos.