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.
Ambulante abre la convocatoria para inscribir documentales a la próxima edición de la Gira. Se aceptarán películas de no ficción terminadas entre 2017 y 2018, con una duración mínima de 50 minutos.
Tesla nos ha demostrado lo fundamental que es abordar la digitalización de la cadena de suministro en el marco de una estrategia y un contexto empresarial, respetando y aprovechando el conocimiento de la empresa en lugar de intentar suplantarlo.
IDC calcula que las empresas dedicarán al menos 28% de su presupuesto de TI a la contratación de servicios en la nube durante 2017, con lo que inician la transición a un modelo de consumo bajo un esquema de Opex (gasto operativo).
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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.
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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.