Banca sin oficinas y los retos del servicio al cliente

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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The Qi practitioner who dialed the dragon across the river. Because the scale on the counter of the inn, including the scale pan, ebony pole, and several small white copper weights, were obviously common objects in the mountains, so after Chen Pingan took a look at them, he found that they were not real objects like the Toutiao City books, so he did not Read more and think more.

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More than a hundred well known and unknown experts criticized Du Heng.Lao You took two more steps forward, but felt that his legs were so sore that he still stood still and asked, What kind of person is this friend Professor Du Professor Du, is it worth traveling so far to see him Him Du Heng took a deep breath, his eyes were slightly hollow, and then he smiled and said, A smart man who is persistent, tough, and a little stubborn and crazy.

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The tea he poured out turned white and was no different from boiled water.Du Heng glanced at the young man s father s face and asked, Is there any gastric bleeding The young man shook his head gently, No, it just hurts all the time.

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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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Du Heng thought so. But at this time, Deputy Director Di paused and asked a question, Director, I think your method is fine and should work.As soon as he finished saying this, he saw Professor Lu s eyes moving faster.

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So several people quickly looked at each other and shook their heads without further investigation.Otherwise, prepare to have diarrhea. Liao Quansheng had just turned around with the water when he heard Du Heng s words.

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After taking a deep breath, Ling Shuwen invited Lao You to sit opposite him.Director, you should have a good rest these days. Deputy Director Di and Dr.

Brother in law, this person is too arrogant, you have to take care of him.Kang Zhirong was not anxious this time, but stared at Du Heng and said slowly, I have no For Brands Premium 36 Uk Best The Gummies Cbd intention of solving the problem of their lung source.

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On the contrary, it got up very quickly. only. Du Heng looked at Director Han with a troubled expression, and then realized that Director Han must be in trouble, Is Director Han in trouble You said, if I can help, I would point out that this film is promoting Chinese medicine.It will be borne by the Pediatric Brain Development Project Team, and Director Du will also fund part of it to support the training and learning of maternal and pediatric doctors in our province.

She is neither thin nor fat. She is just right. Du Heng basically knew And Gummies Uxpvn To Guide Comprehensive Shilajit Benefits 97 Men Reviews For Effectiveness A it in his mind, It shouldn t be a big problem, but we can only know the details after meeting.With the Great Northwest, Or maybe snowy days in Guide 672 Derived Delta And Hemp User Status Legal Gummies the north like the capital are completely different.

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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.

Shao Nan didn t dare to look at An Xiaoshan at all, let alone notice.Even the monsters in Jinda s later stage have 10812 Gummies Evergreen Electric Users Cbd Shock Sensations Farms Work Confirm been killed, and the two Shao Nans are not taken seriously.

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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Shao Nan used several protective methods.Infuriating shield, defensive talisman.Wait for me to check, huh Xinghuo Zhenyi hurriedly rushed to Lanyin, but was also blocked by Qingyang Leihuo, and he couldn t help but let out A Proper Cbd Comprehensive Gummies Guide Products Wwhgg Cbd Cancel Subscription To 554 a small Sleep Explore The Gummies Woes Your Can Solve Vitalabs Cbd 4699 Benefits sigh.

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.

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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.

I saw that the fire spirit dragon that was still rampant just now was tied by a purple ribbon, the power of sparks kept resisting the fire spirit dragon s impact, and a pair of iron fists kept bombarding the fire spirit dragon s huge body.The spell that Gu Yueyou had been preparing all along was ready to be launched at any time.

Lan Yin was not only amazed by Shao Nan s level of crafting, but also by Shao Nan s formation skills.