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.

Temas relacionados

As she said, she glanced around, stepped forward and stretched out her hand directly.Qin Su stepped forward and gave Suiyin, and the waiter looked at the big handwriting in his hand, and his enthusiasm became even more enthusiastic, and he hurriedly led the people.

Qin San s arched hands trembled slightly under Qin Su s words, and he dared to raise his head slightly to glance at Tan Su, then lowered his head and said respectfully Young master, the master said that your master saved Taoist You can also go together, and please don t embarrass the little one.Yu Liao stopped, followed Tan Su to look into the courtyard, and after a while she said Your mother will understand you, and.

Qin Su s appearance at this time has not yet grown, so it is not amazing, the long and narrow phoenix eyes are still a little round at this moment, his face is cold and white, and his lips are tightly pursed, giving him a serious and adult look.After a while, a muffled low and hoarse smile came out from under his arms, and the upper body of the whole person also trembled slightly.

Yu Liao walked to the door and glanced at the scene outside.She blushed and quickly jumped down, jumping a little too fast, causing her to stagger, and finally managed to stabilize her figure so that she didn t lose any more embarrassment.

Sect Master Wugou saw her handing out this item to the young man, so he got up and approached, hesitant to speak on his expression, this is the bracelet that their master kept for her direct disciples or someone he likes.She said that Tan Su liked cats on purpose, and it was more like hating cats.

It s not like you don t know, elder sister.I m about to be betrayed by him.Lingli couldn t distinguish between tea and the clean water in her body, and she felt dehydrated when she put down her fingers.

So she looked sideways at Yan er to explain the words, but she didn t notice that Qin Su leaned over and took the pill with her mouth directly in the next moment.I believe that senior brothers and sisters are not such pedantic people.

At his words, Qingming, the man in green shirt, folded his fan and said perfunctorily upwards, brother, I just said it, but when I said it, it was He Yu Liao blinked his eyes slightly, implying that he will do what he says.Yu Liao glanced at the swords at the two s feet, and understood his small movements clearly.

These people retreated to the edge of the stage to stabilize their figures.Her unfinished words left the two of them with endless reveries, but they were nothing more than very painful ways of dying.

The next day, she didn t dare to ask about her mother s acquaintance with the shadow man.Why didn t Master dare to look at me when we first met in Wugou Mountain He paused when he saw her removing the cloth, and continued If Master doesn t want to answer now, then don t answer.

Qin Su carefully reviewed the rules of the Hairpin Conference last night, Because the second round is a lottery, the lottery is very metaphysical, and metaphysics will sometimes cause two disciples with very different strengths to be on the same stage as opponents.Seeing that the three people on the opposite side didn t say a word, she tilted her head and said, What s the matter, is it serious Another child was lost in the town last night.

She glanced at Shan Wan who lowered her head.The senior sister probably didn t know that she already had She must be a child, and she is probably hesitant about how to speak to her senior sister.Looking at her trembling hands, Tan Su immediately untied her shadow, stepped forward and grasped the master s trembling sword hand Yu Liao, calm down, they will be fine, I ll come to find that person After speaking, Tan Su cast Shadow Concealment on Master again.

Thinking of this, Yu Liao s brows were filled with a smile, and she shook her head slightly at the eldest sister Tan Wan and said Tan Su is straightforward by nature, and I also like my little apprentice Yan Er s temperament very much, and I also like her temperament very much.Su Yan er drew her sword angrily when she heard the increasingly ugly words below.

At this time, he leaned slightly and said this to her softly.Could it be because he sent the two boys back to Wugou Mountain Cascading effect Yu Liao frowned slightly thinking about it.

All of a sudden, the spiritual powers on the stage collided with each other.The two were also watching the battle on the stage intently, so she said a little incomprehensibly Miss Qin, how do you say that Su Yan er s family is a small family attached to the Tan family, and it is also in the east area, so why is she sure that Meng Xun will leave with Su Yan er, of course, it would be fine if he left with Yan er , so that everyone can go along the way.

It s easy for the devil to deceive you who don t know any magic skills.Let him gradually feel at ease about the elixir in his body.

Qin Su gave him a cold look, and told him clearly that he had failed in gathering spiritual power during the competition in Wugou Mountain.Yu Liao looked at Su Maer, she seemed to have decided something at the moment, and she shook her head boldly and crazily at Yu Liao, yes He was telling her not to believe Su Niang s words.

Today s master has a charming and noble look on his face, presumably she couldn t refuse her two older sisters.Come out, Tan Su, what are you hiding after all your ivy spirit power has leaked out After the visitor finished speaking, he held a white fan lightly in his hand and smiled happily.

It can easily wipe out the rookies in the world of cultivating immortals.Let s see if he dares to be so presumptuous next time.

Qin Su heard her faint light Laughing, I resisted the desire to look up, and just clenched my right hand a little more.Master, it s okay, let s find the younger brother and the others first.

Senior Dugu s dumb soul antidote is also there During the development, the second senior brother also brought Wugou Mountain s elixir to join in the development.While fighting, he secretly observed the battles of Tan Su and Gu Jia in the distance, and thought to himself that if one of these two loses, the other will probably be seriously injured, and then they will be fishermen again.

Let s just say they were talking about a partner. There was no such impulse between the two of them.Li Xiang frowned a little. He needed to know the diagnosis made last time he went to the First City Hospital, as well as the treatment process.

Entering the hall, Wang Zhenzhen turned around and went to her registration room.Hmph, no wonder you didn t have dinner with me today.

Du Heng smiled, sat up a little straighter, and turned to look at Wu Buwei, his eyes full of encouragement.Du Heng could only take the lunch box with a wry smile.

After standing in front of the hospital bed and waiting for a while, the patient walked out of the bathroom with a comfortable look on his face.You can imagine the weight. Du Heng didn t care what Du Fei s father thought, so he took out his phone and dialed Lao Song again.

Not to mention not knowing how to make an appointment via mobile phone, not knowing how to register by machine, not being able to find the corresponding department, etc.Your service is so bad. You even stopped my father s medication.

Zhang Jinlian, on the other hand, had a smile on her face, and there was a sense of pride in it.In order to get more bonuses, this woman would take away all the patients who came, no matter whether they could be treated or not, just for the five yuan registration fee.

Dean, I m just going to see you. What s the matter Please help me see a patient.I thought that everyone else might come in the morning and there would be more people, so I chose a time at noon.

These soldiers under his command are still very effective in combat.Du Heng didn t want to continue inking and put his things directly in the car.

Get vaccinated in advance. Did Mayor Song come to see me for something Du Heng didn t want to get emotional, so he wanted to go back quickly.The village chief sighed and walked around twice, and ran in and out several times to look around.

Hello, Dean Du. Doctor Du, you re here. Both patients and family members greeted Du Heng with a smile, and their faces were all filled with happy smiles.What s wrong Nothing. Du Heng took a breath, looked at Xu Pinglin and continued, The beauty of the kidneys is growing.

Even after being rescued, Grandma Liang might be pained to death directly.Uncle Shan, I ve graduated two years ago, don t call me a college student.

He said and pulled Du Fei next to him. Du Jiang didn t care whether he was losing Du Heng s face by asking, but he actually asked Du Fei directly, Brother Fei, do I really have a cold Du Fei nodded, You do have a cold, but everyone says it differently.He had to help with this job. If Wu Buwei had to lose alone, he might not be able to finish the job by tomorrow.

Anyway, I m not pregnant. Let s give it a try. Du Heng was a little hesitant and emphasized again, Sister, I can t guarantee that there will be twins.1 dare to brag like that. Zuo Liangliang was unhappy.

Zhang Xi, move a little smaller, move slower, and move out slowly.Du. What a coincidence. Dean Du has really gone to see a doctor, how about you guys wait here for a while.

You don t know, my own level is limited, there are many Shiba couldn t understand and didn t dare to prescribe medicine.Can you remember this after you know it When you go back in the evening, look for it directly on your phone.

The child s grandmother nodded fiercely. Now she trusts Du Heng very much, not for anything else, just because the child has no fever and the cough has stopped.And what you have done this month, The results are enough to meet the reporting conditions.

They can just go home and take medicine on time and nurse themselves back to health.Li Qingde has been working in Zhonghu Town for five years, but he couldn t do anything for even six days after he came to power.

This kind of hot and cold weather is a test for the elderly and children in rural areas.Or else. I want one set, three sets are too expensive, almost 10,000.

There are eight methods of treatment in traditional Chinese medicine clearing, tonifying, sweating, harmonizing, eliminating, lowering, vomiting, and warming.A layman looks at the excitement, an expert looks at the door.

In the end, Lao Ma couldn t defeat Du Heng and sent him home in a small car.Since you are so capable, why are you going to the hospital to treat yourself It s okay to be obedient when you come, but if you don t listen, you have to trick the doctor.

After picking up the stethoscope and completing the follow up examination, Zhang Jin Lian s face was full of hesitation.

Seeing Du Heng at this time, he was even more confident.They are so precious that if they are exposed to the sun, their parents will want to explode in the sun.

Xiao Anzi, hand me the bow and arrow. Qin Hu was lying on the chariot shaft but Qin An Bow and arrow, what are bows and arrows What, there are no bows and arrows in this era Qin Hu looked around and found that the wheels were getting thinner.Wei Kaida packed up the test reports scattered on the table, put his arm around Li Nating s shoulders and walked out of Du Heng s office.

This was the first time he had done something so big on his face in his adult life.Moreover, because these hospitals are general hospitals, their hardware and software are not comparable to those of municipal maternal and child hospitals, and the gap is not generally large.

After going through these things in Qin Hu s mind, he basically figured out that this should be a trap.Thank you doctor. Du Heng smiled, and then took Gu Ping out of the ward, Tell Dr.

After waiting for the owner, Du Heng also saw the house Wei Kaida helped him find.If you want to defeat the enemy, you must think carefully.

He could only say patiently, The Dr. Cao I told you about can t see his eyes.I have already let my students get started before, and now I am asking just so that everyone can live with it.

said angrily, You are a table full of men, and they are all a bunch of old men.It can also be like riding a rocket to achieve your goals quickly.

The mouths of several people present instantly became dry.Taking pictures of Du Heng and Professor Zhang from behind was not enough, so they took two steps closer and started taking pictures of the sides and the front.

Use moxa sticks to moxibustion between the eyebrows.Seeing Du Heng now, he was even more confident. Old Du, you are here.

After telling the doctor, Jin Juan looked at the woman again, I ll prescribe an ultrasound for you to see if you re pregnant.After the call, Du Heng asked the women watching the excitement around him, Where is the village chief going Already His nephew got married and left early this morning.

So when Du Heng saw the scene in front of him, he just sighed slightly and didn t have any extra thoughts.In a few seconds, the man who pounced on her turned over and almost broke free.

You are right about this. Pregnant women are not allowed to take medicine during pregnancy.After seeing off Qiu Pingzhen, he immediately picked up his bag and rushed to the province, hoping to talk to Li Jianwei about this matter before getting off work.

No one would be interested in knowing who the person who wrote the article was.Your merits are so great. What merits are there not Those who have merit are all serving the common people.

Why didn t they stop fighting Why did they start fighting again Du Heng ran to the door in a few steps, and Wu Shengnan quickly shouted, I m going too, I m going too.Seeing that what the aunt said didn t sound like a lie, Du Heng felt confused for the first time.

Wei said. I feel like Dr. Wei has a deep understanding of stroke. This is the effort of five generations.He had to do something to help Wei Kaida today. Kaizi, you also go and draw blood.

After looking around nervously at everyone, he said as fast as he could, Dean, a patient has come and wants to see you.Du Heng pursed his lips, Are you sure Qiu Pingzhen suddenly pursed his lips and became hesitant, This will definitely work, but you, the director, and the hospital will definitely be harassed and harassed in the early stage.

For Feng Su, today is still a period of adaptation to the drug, and it is still relatively dangerous.Du Heng grinned lightly. Li Jianwei cannot compare with Zhang Dewen in terms of fame, level, or industry status.

After two weeks of contact, I found that high blood pressure and diabetes have almost become diseases that the elderly must suffer from.The new year was forced to be promoted. The work was suspended, and the workers were blocked.

It s been a long time with your dad. We won t have dinner together.The high pitched shouting instantly attracted internet celebrities from other positions.

When these laughters came to mind, the three words Du Banshen gradually appeared in the mobile phone chats between doctors and nurses, and in the circle of friends. The doctor who held the conspiracy theory was very proud at this time.

Xu Yang didn t dare to stay and continue flying until he was completely away from the ant swarm before he let out a sigh of relief and landed on a dense tree canopy.Such a situation made Xu Yang feel relieved.He was just about to shake the Dutian Banner to launch a counterattack, but suddenly the alarm bell sounded again in his heart.

You righteous monks will only do bad things Just now, in order to block the opponent s attack, the magic knife array spirit After being hit hard, Huanmo alone suffered most of the strength and was seriously injured.At this moment, three figures appeared in a wave of space.

Talking about the pothole all the way down, the blood energy became stronger and stronger along the way, and the stench was incomparable.Wang Lin smiled lightly and said You Daoist Xu has an extraordinary experience and has a small world.

Next, Xu Yang s consciousness swept away and immediately locked on a treasure.Taiyin friends return to their original owners.Xu Yang raised his hand and tossed it, the treasure of wealth and treasure flew to Taiyin real person, but the other party didn t pick it up, but the agate ancestor took it.

Moreover, this world is filled with ghostly energy, so there must be treasures that contain the laws of ghosts.Hunt for treasure, and put a small number of monks into the inner circle, and take control of them.

Hastily said Brother Xu, quickly help me suppress them, the backlash of the law of killing has split my soul into two, and my strength has dropped greatly, and Brother Ba Dao was also bewitched by him Destroying Luohu launched an attack, Padao Patriarch and Killing Luohu were overjoyed, and went all out to cooperate with Xu Yang.

In another place, the patriarch of the Tyrannical Saber held the Devil robbing Saber and killed many hostile monks.When the second son Wang Xuzong saw it, his complexion changed drastically, and he blurted out This is the evil emperor s relic How could it appear here No, my Wang family may be in trouble this time.

Day Xing is brother Xu s brother, right How is this person s strength Luo Hu asked with his mouth open.He keenly sensed that something was wrong, and strictly ordered all the disciples to be on guard.

They all stole glances at Shangxian s face, their hearts throbbing incessantly.When the two approached within ten meters of the stele, a strong ghostly aura shot up into the sky, and a figure rushed out from the stele, raising both hands to hit Xu Yang and the two without a word.

Although their foundations were severely damaged and they could not continue to improve, they managed to keep their cultivation base.The real person is banned and sealed.Daoist Taiyin raised his hand, and the little sun flew into his hand, and then he came to Xu Yang and said, Okay, this thing has been sealed, let s go find the core of the earth s veins High and deep, the younger generation admires it the most, the core of the earth veins is hidden under the earth, and it is extremely difficult to find, but this thing is the node of the power of the earth veins, with it in hand, you can definitely find the core of the earth veins.

Sunset Demon Venerable was furious, and the magic light around him immediately broke through the shackles of the Yin Yang Bridge, and then clasped his hands together and issued a thick fusion law.Just as he left, a giant tail crashed down, and the air in a radius of hundreds of meters exploded directly, making a loud rumbling noise.

As soon as Fang came to the outside world, the surrounding ghost energy gathered again, intending to erode Xu Yang s body.Daoist Gaifeng s face was solemn, and the Nine Heavens Wuxiang Gangfeng struck out with all his strength to fight with the Sunset Demon Venerable.

Looking around, Xu Yang couldn t help being taken aback, this was the place where he appeared for the first time.First of all, the space inside the banner has rapidly expanded to a radius of ten miles, and there is a top grade spiritual spring inside.

Heishan old demon primordial spirit was seriously injured, he finally wiped out the sword energy and repressed the sword marks on his back, when he was about to deal with other injuries, Xu Yang and the two teamed up to kill them, but in desperation he didn t dare to fight, so he had to turn into a streak of ashes Qi entered the stele to avoid.

An elder of Wanbaoge Yuanying said in shock This is the Heavenly Tribulation of Transforming God Senior Xu is already a cultivator of Transforming God, why is he going through another catastrophe Ancestor Agate said with a complex expression Depending on the situation, Fellow Daoist Xu Yang may be Dharma body fellow practitioners, Xu Daoyou s physical body was extremely strong before, but his true essence was not revealed much, compared to that time when the Yuanying had not yet transformed into a god Hearing the words of the ancestor of the agate, other people s faces changed.

he must not fall here, otherwise the strength of the ghost face family will decline, and it will withdraw from the list of the seven major forces.The guards fight in one place.Fortunately, Xu Yang was so strong that no one found his trace, but no one attacked him.

This space ring does not belong to the blood ghost king, but to the original owner of the body.But it was Xu Yang who hit hard, and the projection that could not maintain the small world was backlashed, and the projection of the small world disappeared.

The kitten flew out of the rift in space, pounced on the star grass and swallowed it in one gulp, narrowed its eyes comfortably and meowed, and then was about to enter the rift in space, when suddenly the surrounding world shook, and there was a crisp sound of rattling, and the air Chains of laws emerged one after another, quickly entangled towards the mysterious kitten.

Xu Yang stared at the opposite Sunset Demon Venerable, extremely nervous said, while speaking he raised his right index finger.The old man s face darkened , a little ugly said I don t know how to praise If that s the case, you can go to hell After saying that, the old man raised his hands, and the Huangquan River rose rapidly with a loud bang.

After a trial, this formation really lived up to expectations, and the space channel is rapidly shrinking.It is an excellent supplement for the Yin Yang Demon Map , after being refined into the magic map, the magic map will become stronger and its defense power will be greatly increased.

It is better for the family not to provoke this person.Thinking of the content of the conversation between Baidi and Heisha, Xu Yang s heart moved.

Although the cat in front of him was underage, it was not something Xu Yang could resist.Still continuing to resist, the people in the periphery suffered heavy casualties, and those who were alive were infected by the demonic energy.

Go their separate ways.Seeing this, the phantom snorted coldly, and said to himself Don t think I don t know what you re thinking, but I m just in a hurry to kill Lei Yan and his wife.