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.
IDC calcula que las empresas dedicarán al menos 28% de su presupuesto de TI a la contratación de servicios en la nube durante 2017, con lo que inician la transición a un modelo de consumo bajo un esquema de Opex (gasto operativo).
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I heard that the master of Feiyan Pavilion, Fang, has been in Whitewater recently and has not returned.
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Could it be said that this skill really has the effect of Nirvana and rebirth Or is it related to the phoenix eggshell she ate, the blood of the immortal vine in her body, and the phoenix true fire that is said to be able to evolve into the divine fire of nirvana The reasons were too complicated.
Jiang Yuebai s eyes sharpened, white vines suddenly danced wildly under his feet, and a mirror and an invisible fishing net were sacrificed by Jiang Yuebai at the same time.Logically speaking, the Iron Head s sect leader was at the peak of his golden elixir.
Can you let me observe for a while longer Just
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Jiang Yuebai avoided everything he could, and soon there was no way to go underground.They looked at Shen Huaixi warily, and Shen Huaixi nodded and smiled.
The Sky Breaking Flash on it was very useful. From now on, I could only rely on Taihe Umbrella s Wind God Technique.But there are also rumors about this magic in the sect.
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What s going on Jiang Yuebai touched her nose, Come closer and I ll tell you.
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But what kind of formation master is Li Shiming He relies on nine flying swords to quickly arrange formations on the battlefield to trap and injure the enemy.Those were ten Yuan Ying ancestors, and among them was a Jin Kai ancestor who was in the middle Nascent Soul stage.
I was late for the alchemy competition just now Li Shiming explained sheepishly while watching the battle between spiritual pets.But it was obvious that the mission given to the two big men was to guard the palace, and they did not seem to be dragons.
Since they trapped Wang Yuan in the center and were not worried about Wang Yuan escaping, they had time to cast powerful spells when casting spells.But later, Qin Hu drank the wine and fell asleep. When he woke up, he was already in the imperial prison of the inner guard.
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Li Shiming sensed the location of the fourth grade ghost through his connection with the ghost.Tang Xuening stopped talking, the third grade flying boat flew automatically, while she sat with her eyes closed.
If it is twelve leaves, it can even be considered to be of elixir quality.He even secretly shared the latest news with Su Ye.
Let s assume that the story is true. The tiger demon in the story happens to be I was nearby, heard what you said, and want to take revenge Su Ye said, Could it be that the storyteller turned into a tiger demon Chen Xian and Luo Qingqing both cast disdainful glances at Su Ye and went up.Some guards grabbed Lin Huaizheng s arm, and someone jumped directly on Lin Huaizheng s back.
However, for some unknown reason, Wang Zhizhen s spiritual sea was too violent and did not exercise or protect Wang Zhizhen s soul.Your Majesty, as you ordered, here are the identity wooden plaques for students with size C in the fourth hospital.
Otherwise, as soon as the magical weapon is taken out, the spiritual energy will disperse and become so surging that even fools will be on guard, which is not conducive to fighting.Su Ye felt that this guy didn t care about anything except the affairs of the Supreme Immortal Palace.
A Night Rakshasa attacked, holding a bone stick in his hand, and hit Su Ye directly on the back of the head.You can only enter but not get out. If the quantity is large, it will cause market turmoil.
Therefore, Gui Wangzhen wants to take Feise back as soon as possible to make her mother feel at ease.Money and silk touch people s hearts. Su Ye said in a deep voice But things It s not as simple as you think.
Of course everyone will be happy if you win. if I lose, I will be called a bitch, okay I won t do it.Su Ye looked at the entire second floor and couldn t help but be stunned.
Some monsters and monsters that are neither human nor ghosts, still want to stop me Kill me Help The fifth prince was known for his bravery in defense.After all, when Zhang Quan left, everyone had a meal and drank a Understanding the Benefits of Pure Kana CBD Gummies Para Que Sirve: A Comprehensive Guide
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Therefore, Su Ye s positioning of the spiritual crystal has nothing to do with cultivation.He will be responsible for the second level of the exam.
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Unfortunately, Su Ye s cultivation level was already above that of the Blood Skeleton Corpse Spirit.After entering the door, a shopkeeper wearing a linen shirt was lying on an armchair inside the counter.
Qin Feng appeared with Xu Shaoqin, which inevitably made people guess his identity.Since Haiyuan If the lady likes it, I will take a photo of it and give it to Miss Haiyuan later.
That must be no problem Fan Zhenhai agreed without thinking It s hard to find a five legged toad, but how can you find a two legged person I ll be in Longdu the day after tomorrow.As 5 Revolutionary Diabetes Drug Ozempic Weight Loss Tips for Winter Holidays
soon as he saw this action, the disciple suddenly shivered.
For a moment, it was like a flood opening, making it difficult to contain.It stands to reason that her daughter should be very distressed when she finally comes back after being away from home all year round.
Dong not far away. Mr. Dong didn t look nervous at all. Instead, he was sipping tea from a bowl and talking to Mu Qiuliang next to him.Chen Chuqing, on the other hand, after bidding 600 million to slap Hui Yuanli in the face to buy Heilin, and then spent another 100 million to buy two items, became famous overnight.
Although he has shares in the group, his proportion is not large, and he does not have close contacts with the major shareholders.Zeng. But unfortunately, because of his appearance, the assets have naturally been transferred to his hands.
If someone else had said these words, I would definitely be scolded.Qin Feng frowned slightly Didn t I show you the invitation You still have it in your hand.
Although he was suspected of coaxing children, Xuanyuan Feng agreed without thinking.Although our five major sects jointly founded We have formed the Martial Alliance, but currently few people know about the existence of our hidden sect.
Facing Wu Mian s gaze, Qin Feng curled his lips and smiled, even picked up the wine glass on the table and raised it towards him.Miss Haiyuan is very skilled, I think she is a perfect fit.
Dou Yi s pretty face was full of worry Father, Chu Tiankuo took action personally.The moment Mrs. Ye looked back, Qin Feng s eyes looked over here, just missing Mrs.
Because of this, the stock price of our Qinghai Group has dropped.There was a naked woman beside her, it was Jiang Yunshu.
The people in the fortress were given to Tang Kexin and Qin Shufang.You can also try to start a business again, stumbling for decades, and finally be able to make it.
At the same time, hundreds of people who were originally behind him also stood up collectively.Then the two people subconsciously looked up at Qin Feng.
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.