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.
La ciudad de Bad Hersfeld también espera beneficiarse de la prueba PostBOT, ya que se proporcionará un dispositivo a un empleado municipal que distribuye el correo entre las oficinas municipales.
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Es necesario integrar las estrategias de atención sin importar si la interacción con el usuario se produce a través de un chat, llamada telefónica o en redes sociales.
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How long will it take for Jingli Mountain to erupt Will there be time to investigate It s impossible to predict.So powerful, why haven t I seen any famous martial arts masters defeat fighting fans on the Internet in the past month
The two sides were quarreling. It also occupies half of the lively comment area However, despite the heated discussion among netizens on the topic, the popularity of this topic continues to decline under the control of the Security Bureau, and it naturally and gradually drops out of the hot searches.
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The chief detective sitting next to Lin Beichen opened the car door and got out of the car first.No, do you think he is an expert hermit Trafficker
They looked at Sun Chao suspiciously, and were speechless for a moment.
Dark clouds piled up, covering the sky and the sun.However, they were not kept waiting long. That s a few seconds.
Let s talk about it later. Lin Beichen said casually, never really thinking about rewards.However, they did not wait for them to raise their heads to find their way out.
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my son is a genius among geniuses It only took just over a month to accomplish such a feat But this is completely impossible She didn t want to bother her son rashly and confirm his college entrance examination scores.
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.