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.

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I ve tried my best to choose an area with few monks.It s just that I met a powerful master.In the afternoon, Lan Yin finally came back.

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It may be a coincidence, or it may be to add luster to this fire control competition.Of course, Xiaocao er knew what happened to Shao Nan.

If it is not related to Xiaocao er, Shao Nan even wants to tell the five Void Returners directly that there is a monster with unfathomable strength inside.Another person mentioned Fan Tianyou, but Fan Tianyou became the background again.

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To be continued.Chapter 484 Sudden attack, the fire spirit dragon blew itself up This was beyond everyone s expectations, and it made everyone feel incomprehensible.It s just a meeting gift that is so precious.Shao Nan looked at the presents in front of him, feeling a little bit 2343 The Uncovering A Truth Scam Blue Behind Gummies The Cbd Vibe Controversy embarrassed.

If you don t have enough strength or your sect doesn t have enough strength, it s impossible to get to the Holy Fire Glazed Tile Sect within a year.Shao Nan also finally saw the true face of the large scale long distance teleportation array.

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It is indeed not normal.Is there something wrong with their conceiving Zhenjun Gan Yan Without waiting for Qiu Bai to speak, he took over the conversation.Maybe many groups of Cbg Cbd 31 Differences The Vs Understanding Key people have entered the cave a long time ago.

Although I have practiced thousands of swordsmanship, they are basically weaker than the swordsmanship of Dragon Slaying and Seven Killing Swordsmanship.After briefly communicating with several elders, Shao Nan left the meeting hall.

To say the most shocking.Nothing is better than Jiang Yingxun of the Flower Cbd Broad Rest For Spectrum Wake Ultimate Up Refreshed 7358 Gummies Butterfly Sect and Tang of the Shadowless Piercing Sect.Without any hesitation, Shao Nan threw the Wuling Fenghuo in his left hand into it.

Is this really just a mid level magic weapon used by our Qi Refining disciples Why do I feel that it is more powerful than the high level or even top level magic weapon used by those brothers who established the foundation Yes Such a magic weapon, I think Definitely buy one.Shao Nan only needs to Buy Guide Near To 35 Gummies A Where Me Cbd Comprehensive take back the part of the Qingyang Thunderfire origin among the three big fireballs, and the three big fireballs can break through the fireballs by themselves.

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It s too perverted.At this time, there is no need for Shao Nan and Lan Yin to say anything.This time, we forcibly refine the Dacheng Fire Spirit Dragon.

Several geniuses who are preparing to test.Seeing Shao Nan s fire sword start to move, his heart trembled, and the steps he had already taken were quickly taken back.This was completely beyond the expectations of the three return to virtual Shinichi.

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Say it quickly. Deputy Director Huang was transferred last year Those who come to Xixian County, according to the current arrangements, have a high probability of taking over the position of the top leader of the Health Bureau.Hao quickly put on a smile, No, no, director, please continue.

Add me as the founder of the product. Me Du Heng was stunned for a moment, What s the point of adding me What use can a rough old man do Mr.How could he still dislike his tutor for being slow for A Oil To Comprehensive Dogs Pet Anxiety 146 Pmibu Your Review Guide Cbd Calming For a few days Du Heng just smiled at Tang Jinhan s performance, then packed up his things and said, I won t talk to you anymore.

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