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.
¿Buscas llevar tu empresa a los niveles de eficiencia y productividad que necesita para seguir desarrollándose? En ese caso, la nube puede ser tu mejor aliado.
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This time the calculation took IBMz15 ten days to get the results.Unfortunately, using the Shenxiao Thunder Bead will be sensed by the Yuqing Sect s Lei Xiu.
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Qingyang waved his hand and said, Your second brother is still injured.You live in a temple but you still want to go to a higher level.
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The two had been dating for more than 20 years, but he did not expect that he would die here.Qingyang couldn t care about whether Wei Yufeng was dead or alive for the time being.
Maybe he is a bad person himself. Biolife CBD Gummies: A Potential Solution for ED? He did all those things.Now I am just holding on, and it will not be long before this breath is released, and I will die completely.
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Come and take your life Then without waiting for Qingyang to answer, the two men each held their hands.The disciple was seriously injured and his foundation was destroyed.
Otherwise, they would never have killed the six legged beast so neatly at the door of Hua Qingyao.Looking at this bud, Qingyang couldn t help but feel happy.
As long as these elixirs have a normal source, he Wei Haoran can t confuse right and wrong in front of everyone.Wei Yufeng cried for a while, and then gradually calmed down after seeing that his life was safe for the time being.
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At this time, it was too late to stop. He could only bite the bullet and continue to attack, hoping that the living dead would not have time to defend, and this attack would be able to It works.What happened this time was planned by Master Lingxu.
He saw the handle of the hammer slamming towards the gong.
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.