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.
En la era de los datos industriales, proteger la inteligencia es proteger la ventaja competitiva. La manufactura inteligente no solo depende de sensores y modelos, también de políticas legales sólidas y decisiones estratégicas.
Desde nuestra perspectiva como compañía, el 2017 solo fue una muestra de los éxitos que nos esperan el siguiente año, ya que seguramente seguiremos presenciando la consolidación del e-commerce
Los vehículos autónomos son muestra de una tecnología de rápida maduración. Mientras Tesla y Google crean una visión en la conciencia del consumidor, los vehículos autónomos están dejando huella en el mundo de los negocios.
La entrega de productos grandes y voluminosos ya no tiene por qué ser un obstáculo.
Los minoristas pueden ofrecer una experiencia de entrega rápida, precisa y satisfactoria. Aprovechando las distintas soluciones logísticas avanzadas, que pueden superar los desafíos tradicionales y deleitar a sus clientes con entregas excepcionales.
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Somewhat favorable. At least this kid is not a white eyed wolf, he still has feelings for his hospital.Without looking at Mr. Ma, he said, Don t be a butler.
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Car accident still.
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When I saw you today, I thought my plan was perfect and easy to grasp.To be continued.Chapter 335 Large scale long distance teleportation array What Found the base of the Bibo Magic Moon Clan Finally found it.
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As the name suggests, a large scale long distance teleportation array is a teleportation array that can transmit many people to a long distance at the same time.Realist Chining in Nanyuan Mountains has arrived A bottle of Jingxin Pill is congratulated
One after another Jindan Daoist came, and each Jindan Daoist sent a lot of congratulatory gifts.
Not only that, Xiaocao er can fully perceive that the fire sword used by Shao Nan is not just reduced in size.Even if it is Yuanying Zhenjun, his body skills will not be much worse in battle.
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Certainly.More than half of them came for the thrilling prizes of the Sacred Fire Glazed Tile School.And this strange energy is the effect of Yangmai fruit, which is the key to repairing meridians.
Almost everyone came to Wugu Town to celebrate the knot of the owner of Shenmeng Restaurant.It s so hot Shao Nan wiped the sweat from his face while avoiding the magma falling from the sky, Do you think I m courting death Slightly to the east I m here , you ll be fine.
If you cover it with all your strength, there will be no problem even if it is three or four hundred miles away.Good Good I admire your courage, but you are so stupid.
Shao Nan had no choice but to go forward and salute.Go Do you mean let me go down Shao Nan drew his voice.
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Lan Yin was not only amazed by Shao Nan s level of crafting, but also by Shao Nan s formation skills.
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.