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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Mei Xueting nodded lightly, measured his own means, and quickly made up his mind, saying Then I will do it.Once the energy is dispersed, heaven and earth will be restored.
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The Mahayana Sutra has come into the world, but its weight is greatly exceeded and cannot be measured by reason based on the length of shortening the time limit, the efficacy of this thing is still related to the pros and cons of the practice of enlightenment.He already knew in his heart that it was almost impossible to get out of the world.
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He was told that he was drunk and molesting the princess with evil intentions.The Blazer is extremely fast, but it is not at the same level as teleportation.
Baihuahui can get half of the commission. Sound like little.The meaning is self evident, the third territory of the Tianhai Alliance will be established by the Star Language Merchant Group.
After all, the defense of the elves is extremely terrifying.It is inconvenient for convoys to take this route with many wilderness areas, but players do not have this problem.
But looking at the other party s monster performance, and then recalling the data in the introduction, the way he looked at the other party was like looking at a giant dragon in sheep s clothing.In fact, even if this ability is not used, the aircraft carrier flow has many ways to avoid aerial search.
Although there are many mountains in the castle camp, the Falcon Principality is definitely the one that can fight the best.What a difference That s why the Windspeaker gave the troops to Zhao Hao as an investment.
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After confirming control, Zhao Hao s smile gradually became abnormal.
Dang, Dang, Dang The terrifying Four Elephant Sword Array jingled, like the sound of forging iron, and could no longer hurt this person at all.The body of the Spiritual Snake Saint was instantly on fire.
Ye Fei would not easily tell outsiders about this kind of thing.The five lines on the old man s clothes Flame is a symbol of status, it is a symbol only possessed by a fifth level alchemist.
How can you see a rainbow without going through wind and rain How can you become strong without going through hellish magic training Now Ye Fei s body surface is cracked, with blood seeping into it.These two elders are the Heaven and Earth Elders of Tongtian Academy.
The inconspicuous Bangzi in Han Dong s hand looked like it had been eaten by insects and was smashed to pieces the next moment.However, the woman couldn t escape, and she didn t even have a chance to escape.
Young Master Wang, you have also seen that this man is very good at martial arts.Ye Fei, you are so brave. You are being hunted by the Yin Yang Sect and have implicated our Tongtian Academy, and yet you dare to come back.
It s him, it s him. The qi machine that appeared at Ning Chengye last time is this person Wu Juan has now reached the Guiyi Chaoyuan realm.Huazang Realm Are you planning to advance to the Huazang Realm This discovery surprised Ye Fei.
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Hmph, the Shangguan family s precious golden feather fan is really powerful, I accept it with a smile.Actually, since I set foot on the starry sky, I have been prepared to either enter another world or enter another world.
It was Ye Fei s rotation of the Fire Control Technique that affected the ice cold spiritual grass.Beast, I didn t expect you to be so cunning. I can t keep you here today.
The Yin Yang Sect has really good hands and eyes. It seems that they already know my existence, and they also know that I wear a spiritual hat Ye Fei was deep in thought in the dark, sitting on the tallest restaurant, looking at the teleportation gate in the distance and couldn t help but snorted softly.
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The fist was covered with cyan energy fluctuations, and a harsh blast of air came from the air.This Bai Yan did not put Ye Fei Treating him as an outsider but telling the truth made Ye Fei feel a little touched.
You I didn t expect that I couldn t even hide it from you.Xingyu, what happened Soon, a powerful figure emerged from the ground again.
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Gui Wujiu s divine voice had a sense of it, and it was also clearly identifiable.Qingquyu asked eagerly Are you two collectors Gui Wujiu said expressionlessly Yes.
Elder An Yan quickly opened the talisman book and looked at it.This creates many obstacles for the understanding of this way for no reason.
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In fact, everything that happened before was under one person s gaze.After thinking for a moment, Gui Wujiu immediately had an idea.