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.
Centinel-5 Precursor suministrará al programa Copernicus información esencial sobre la composición química de la atmósfera antes de que, en 2021, entre en funcionamiento el instrumento Sentinel-5.
La separación y clasificación del flujo de los materiales triturados hacen posible que los plásticos, metales y otros materiales puedan ser reutilizados.
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It is equivalent to using these core high quality assets as anchors in a sense, just like houses.On weekends and weekends, some investors also reviewed and analyzed the trading on the stock forum and discussed the seesaw between Yixing Video and the market.
At this time, Fang Hong smiled and said Now the profit realized by running away is a guarantee.84 trillion. If it falls by more than 80 , the market value will only be over 350 billion.
The roles of joy and sorrow were once again reversed, and investors were caught off guard.This goal was not achieved, but Qin Feng also opened up a higher vision and a larger pattern from Fang Hong.
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Looking back in hindsight, at the bottom 31. Those who cut their flesh near the price of 47 yuan are really vomiting blood.At this time, thousands of people were already waiting in the 38 live broadcast room.
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Domestic self research, can we accept this condition Obviously impossible.There are too many people in it, and there will definitely be a group of people who will get into trouble sooner or later.
It once fell to the limit during the session and still fell sharply 9.The huge influx of visits has caused the Lingke TV platform to be overwhelmed and paralyzed.
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News pushed by major market software The cultural media sector continues to strengthen, Tianzhou Online has recorded six consecutive gains, the stock price has reached a record high, and the current market value exceeds 13.However, these papers obviously have some thresholds.
6 yuan, and the market was in a state of excitement.And for longer term considerations, Fang Hong also has a plan.
Those who could not withstand such a large fluctuation chose to cut their flesh.66 yuan, with a cumulative increase of 143. 59 from the deep V head and shoulders bottom of 31.
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Originally, they also prepared suits and leather shoes.The stock price rushed to a price of 22. 54 yuan, breaking out of the 12 day market, with a cumulative increase of 248.
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In the new week ahead. The market for Xingxing concept stocks continued to rise.In order to study intelligent quantitative trading models, Chen Yu s team was forced to study artificial intelligence.
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.