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 ámbito cloud, en la actualidad, es el hogar de las soluciones más poderosas; muchas de ellas indispensables para poner en marcha una transformación digital.
Coradia iLint es un tren regional que ofrece una alternativa completamente libre de emisiones a los trenes diésel para líneas ferroviarias no electrificadas.
Es imprescindible la colaboración entre ciudades: Que cada una de ellas comparta su experiencia y casos de especialización con las demás a través de un modelo lean start up.
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Did Du Bing want to kill his wife An idea flashed through my mind instantly Du Heng s mind was racing.Du Heng retorted, Where did you all come from Didn t you read what was said in the newspaper Doctor Du is only 28 years old, and there is a bulletin board in the lobby.
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Does it have any impact on you It has no impact on me at all.I m asking you a favor, borrow some money. For what Buy a house.
Brother, sister in law, I will discuss it with Xiaoqiu as soon as possible, but it won t be possible in the near future.Drink the medicine on time when you go back. Avoid spicy food and smoked and grilled food.
Wait and see , if this situation can be stabilized in the future, we will solve the upgrade problem.For the rest, let your village write an application for you and go to the township The government wants some subsidies, and we will help you think of some other ways.
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It hurt so much that for a moment I felt that my wrist was no longer my own.Such an answer confused Du Heng, who was the first to speak, and didn t know how to continue.
The prescription given to Xiaoying at that time was also a traditional Chinese medicine prescription stipulated in the National Pharmacopoeia.Li said. After calling Wang Zhenzhen to bring over the official seal, Du Heng and Dong Yuezhang completed the contract as quickly as possible.
As he said this, he took out the medicine prescription from the bag, and there were many of them.
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Being sleepy, I can basically only sit for about an hour a day and move around for about an hour.Thinking of this, Du Heng basically had no good impression of the girl at first.
This makes Du Heng look terrible and feels that this kind of work culture and attitude has reached a time when it must be seriously rectified.But seeing that Du Heng had no intention of letting her rest, she could only pouted and slowly moved to the car.
Are you spitting again Yes, but not as much as before.But now there was a place where he could be found, and all the relatives and friends he could ask were nowhere to be found.
He is indeed a newcomer to their street, and his evaluation is pretty good.Du Heng looked at his hands and sighed silently. It seemed that he could not become a master of surgery by taking shortcuts if he really wanted to be on the operating table, he had to learn and practice on his own.
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At the same time, he also saw clearly the trophy and the one on the table.He has not yet entered the expert database, but he has long been in the reserve sequence.
Then he rushed to open the door curtain in advance before Du Heng entered the door.If the doctor hadn t looked down upon him and drove him away, he could have stood there for a whole day.
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Wu Buwei didn t say anything, but started to prepare what Du Heng needed as quickly as he could.If after a while, when the health center becomes stronger, he will not be able to fly Yu Haiting definitely deserves a share of the credit for the attitude problem of the front yard doctors.
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These ten ancient puppets belonged to the Demon Cultivator Alliance.As he spoke, Baidi shot Xu Yang directly with Gengjin sword energy.
It is uncharacteristically here, the ghost energy has become very thin, even clouds of ghost energy cannot be formed, and naturally it is impossible to breed the ghost thunder of the three yin.This was not a general spiritual pressure, but the legendary Longwei.
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As soon as Fang entered, he felt a chill all over his body.There are thousands of meters away from the ground, and the spiritual sense can t find this place at all.
After getting this information, Xu Yang was not in a hurry.The Agate Ancestor smiled and said, There is a Lingyu vein outside the headquarters.
As Huang Tian and the others cast spells, the formations around the altar were activated one by one, and a large amount of ghost energy gathered.Suddenly, there was a soft sound and it re formed into a human form.
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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.