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.
El conocimiento financiero es un imperativo para los gerentes de operaciones y cadena de suministro en el mundo actual. Hablar el idioma financiero no solo les brinda un asiento en la mesa de toma de decisiones, sino que también les permite influir en el rumbo estratégico y operativo de la organización.
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Es necesario integrar las estrategias de atención sin importar si la interacción con el usuario se produce a través de un chat, llamada telefónica o en redes sociales.
There Lin Xuan saw a monster wolf with blue wings on its back and a very huge body.Because they can clearly perceive how terrifying this sword is.
Only by devouring your flame can I improve my cultivation.Actually Jin Jianfeng The peak master, not two apprentices, but three apprentices Before you, there was one more, but he rebelled halfway.
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Everything was going on quickly, and two days later, the calm was broken.
It was not very fast at first, but as the expansion area increased, the speed also increased, and finally they came into contact with each other, and Instantly merged into one.Wu Li turned his head, looked at the servant girl s fearful eyes, and couldn t help laughing at himself.
It shouldn t be that everyone didn t notice The situation, Yaokang can find out.This is the awareness that people who come out to take risks should have, even monks in the Void Realm.
To be honest, Mr. Nie is also very reluctant to part with these things, but now there is nothing he can do for what he needs.Lin Haoming was also somewhat confused by Wu Li s attitude.
There were only five or six of them, but they attracted too many people s attention at once.Shu Siyue rested on Yin Fengling s pulse, and then became meditative, then took out a silver needle and pricked it a few times on the back of her hand.
Hearing this, everyone immediately fell silent, and it was obvious that the person had also worked hard.But under such circumstances, it is naturally difficult for the Sky Thunder Orb to destroy the enemy.
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As he spoke, the energy of chaos surged from his body, forming a chaotic sun behind him.The Northern Territory, the land of the North Pole, is close to the Northern Plains Continent.
When they heard the situation outside, they frowned.Suddenly, her mind went blank. Around, one after another discussion sounded, and no one believed it at all.
There is really a treasure This kid is really lucky.In this case, Lin Xuan did not control these monsters anymore, and he, Liu Fei and Duan Qingqing went on the road.
Okay, Mingyue, you can continue to recover here. Ruffian Dragon, don t come out, you should study the formation inside.Only those at the top of the earth can compete. However, after many blows, cracks appeared on it.
A black breath hit the middle aged man s body, causing him to fall to the ground.Afraid What s going on Lin Xuan was puzzled, he didn t show his great strength in front of the Seven Stars.
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It killed King Duobao. A crawling snake, rushing over here is really courting death This is a gorgeous dividing line Please remind novel users Please pay attention to rest your eyes when reading for a long time.Because, Lin Xuan s aura exploded again, reaching a new height.
On the other side, Lin Xuan turned his head and stopped looking at the other party.At this moment, he is flying towards the Liuli City of the Taiyi Dynasty.
Another big change happened. After so many years, I don t know how many people are left.Breaking up, if he is allowed to go forward and slander Emperor Yao, not only me, but also my relatives and my subordinates, I am afraid that they will be destroyed, so I also started to fight back.
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The Queen Mother of the West came from Kunlun. No one knows her origin, but she has such a high status that even the emperor of heaven treats her with courtesy.The little rebooting monk of Wuyou Temple tugged at Master Jianhuang s sleeve Master, I don t think senior brother is worthy of his Dharma name.
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Hearing his flattery, Xie Daoyun at the side was a little ashamed for him, how did this guy come up with so many nasty words.
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Normally, I thought he was shameless, but I didn t expect that sometimes it turned into an advantage.Liang Ling was choked for breath, thinking of the tragic situation in Lou Wucheng last time, sometimes talking too much is not necessarily true.
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Black Tooth Broken Tooth, who was running away, had a sharp warning sign in his heart, subconsciously looked back, and then he saw a shooting star so close for the first time.At this time, many nearby audiences were in an uproar.
Bingshi girl, help me. Yun Jianyue said to Yan Xuehen instead of rushing to get dressed after landing.It looked in Danzhu s direction, and suddenly opened its mouth, and a strong suction came.
Zuan secretly marveled , I didn t expect these spirits to have such a way to advance.Zaan looked up at the sky, and seeing that it was getting late, he asked Xiao Jianren to investigate from the direction he said just now, and at the same time be careful to guard against this high ponytail, and then investigate to see if the case that Gold Medal Seventh investigated before his death involved any women.
That Jiuying never expected that Zu an would hide in advance like a prophet Yan Xuehen and Yun Jianyue secretly wiped off their cold sweat, they didn t expect that Jiuying was so insidious and cunning, just now he even played a show of weakness to lure them to attack.
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.