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.
Las industrias de transformación de un país son las principales piezas de este juego mundial. es donde encontramos los principales esfuerzos en innovación y desarrollo, concentración y ampliación del conocimiento en ciencia y tecnología, modelos y procesos de negocio, metodología y disciplina.
La CRE y la Coordinación General de Puertos y Marina Mercante designarán grupos de trabajo como responsables de la planeación, determinación, desarrollo y seguimiento de las acciones y compromisos que deriven del convenio.
Now the giant worm in front of me, from the coercion it exudes, can feel that it is almost equivalent to the fourth or fifth floor of the Nascent Soul Stage.They were also very curious about this matter, what was the reason for Lin Haoming to follow them.
When Lin Haoming heard the voice, he was startled immediately, because he had already recognized that the voice belonged to Senior Brother Tong.If someone looked at it from a distance, it would be a rare spectacle.
Enough for three people. At this time, Lin Haoming 2025’s Top Choice: Oprah Keto ACV Gummies for Shedding 20 Pounds in a Month
finally knew the location of the fruit of creation, and it was actually in an extremely secret, Sumeru space.After a few breaths, Biqi looked at Lin Haoming in surprise and said, It really surprises me that there are actually five spirits in the lower realm.
When Lin Haoming recovered, he didn t stay any longer, but took a deep breath, and strode into a door of light.The city is tall and majestic, enough to accommodate millions of monks and mortals, and it also controls the vast surrounding area.
After finishing speaking, Xiao Jiuchang had a flash of inspiration in his hand, and then a formation disk appeared, and with a casual point of finger, The formation disk immediately emitted a layer of soft light, and with the light shining, a pool surrounded by white jade not far away, which was not noticed before, suddenly shook a few times, and then two black stones rose up Natural WeGovy Alternatives: Most Effective OTC Options for Weight Loss That Work Best
Come spar.
He had seen drunkards, but they were all mortals or low level monks.Lin Haoming stared at Xie Ruolan carefully, and said earnestly Now she is my wife Lin Haoming s answer made the atmosphere that was not bad at all suddenly freeze, and after Could Metformin Help You Achieve Weight Loss by Suppressing Appetite?
a long time he was reborn and said We don t say That s it, why do you come to me, because of tomorrow s battle Do you know who will fight in the Blood Refining Sect Xie Ruolan asked.
At that time, I didn t read it twice carefully to Frosty Fat Loss Formula: Vinegar Techniques for Winter Weight Reduction
make sure there was no problem, so I also got up.Lin Haoming said with a smile. Before the welcome banquet, Lin Haoming sent Shu Yan back early, but he didn t let the children go with me, but asked us to pick them up tomorrow.
No wonder, now he only needs to let his maid to arrange for his younger brother to do it.There are a few holes on the top where light shines through, and someone cleverly put a few mirrors on it, and the hanging mirrors make the whole cave bright.
This is what Hua Caiyi left for himself before he left, telling himself that as long as he reaches the approximate location, it will be fine, and there is no need to do anything else.Husband, father in law is father in law, and he is him.
The number of men outside the gathering place here is probably only seventy or eighty.Anyone who doesn t care can see it at a glance. After going upstairs, the space upstairs is not very big, there are only a few separated rooms, Joint Plus CBD Gummies Review – Scam or Legit JointPlus CBD Gummy to Try?
and the person guarding the stairs led three people upstairs, and finally knocked on one of the doors.
So next, he lived here, found a mansion by himself, he lived there, and then called Gu Yue back.Lin Xuan s body shook, and he The injury he suffered before recovered instantly, and his aura kept rising, and with a bang, he finally stepped into the realm of the holy king His strength keeps growing.
The top one in the ancient city of Taiqing is the ancient family.Especially the appearance of the Nine Dragons Coffin and the Immortal Storm made them extremely worried.
The harvest can be said to be very rich. After carefully preserving the two old herbs, Lin Xuan continued to fly inside.Presumably some people have already guessed it, it s called Youyue s Gold.
It s just that I didn t expect that at the moment when my soul was finally shattered, I could still meet the successor of Jiuyang.Using this kind of power of the Great Dragon Sword Soul, he really endured too much.
Bai He didn t make any more moves, because the limit of the entire test was 100,000 flying swords, there was no need to continue the test, this person s physique was very strong.This power was even more terrifying than Fenghuang s, so Fenghuang was suppressed again.
In addition, there are some great sects that can compete with the remote ancient family, such as Zifu, which is one of them.Patriarch Shengtian s palm was blocked, and the black storm slowly disappeared.
He snorted coldly, on the one hand, he was controlling the Yihu, attacking non stop, and on the other hand, he was attacking Qingfengque, wanting Do Keto Gummies Work? Unveiling the Truth Behind Their Effectiveness
to take control back and get the two of them back again, the soul was in Qingfengque s mind, constantly attacking, Gu Yue s face sank, he realized that he couldn t snatch it back, damn it, the opponent s pupil technique is so powerful, roaring all his life, he is no longer controlling the different tiger, the two souls are dispatched together, and they all killed into Qingfengque, he doesn t believe it, The two souls couldn t compete with each other, and Lin Xuan also felt a pressure.
The great sage of the Six Dao Sect snorted coldly, he took something that shouldn t be taken, I want it to return to its original owner Damn it, it really came for Lin Xuan Some young disciples clenched their fists, and Leng Rufeng s face changed drastically.This is the gorgeous dividing line Please pay attention to rest your eyes when reading for a long time.
Seeing the exit of the ancient family, the battle had not started, Lin Xuan snorted coldly, and he landed with a group of people.His palm was almost swallowed. He Trending Now: Vibez Keto Gummies Review Takes Center Stage in News Headlines
snorted coldly, it was so weird, but so what He created a sealing barrier to cover the sky swallowing pot.
Eye of reincarnation, at this moment, the people outside felt a chill, as if What Do Consumers Say? In-Depth Tru Bio Keto Gummies Reviews
a god was looking down on them.Do you really want to light the sky lantern In the distance, the people from the Huanggu family were terrified, and the 12 people from the Zifu were pale, and they were about to faint.
I don t know how it will be compared with the opponent s blood of the Great Emperor.The people around were all stunned, showing puzzled expressions, is this person also from the Xiao clan However, the patriarch of the Xiao Clan did indeed 6 Nutritious Liquid Diet Recipes to Lose Weight and Detox
constrict his pupils, he jumped up directly, the cold sweat streaming down his Are Hemp Gummies Legal in Canada? A 2025 Analysis of CBD Direction and Methodology
back in an instant, and the Seventh Elder also exclaimed, Father, is it really you What s the situation Everyone was stunned, the father of the Seventh Elder, what kind of person is this Countless people were surprised, what is going on However, the elders of the Beast Familiar Clan were shocked, Melissa McCarthy’s Weight Loss Journey: Effective Strategies Explored
could it be him How is it possible that he is still alive The people in Shanhaidian were also in an uproar, and the people of the Qing clan couldn t believe it.
Will seniors go too Lin Xuan was surprised, Elder Ruochen said with a smile, we also have some matters about monsters over there in Shanhai Palace, which needs to be dealt with, so several elders and I are going to take a trip in person.Countless dao patterns are intertwined with each other, and a terrifying aura permeates.
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.