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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They were unswervingly bullish on the market. This brought huge consequences to everyone.He was more concerned about this guy s movements in Tianzhou Online, and because his funds were really not low.
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The man had to find the manual to study how to do it, but found that he couldn t understand it.Tian Jiayi nodded Yes. Understood. Wall Street mobilized a large amount of funds to start hunting.
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Isn t this what the large scale trading departments on Wall Street dream of Was it realized by a high tech company from China Almost overnight, quantitative capital has received unprecedented attention in domestic and foreign capital markets.If the super giant Star Capital enters the market, we will have to re examine the potential opportunities of this new thing.
This morning, Fang Hong has submitted the materials he compiled overnight.5 billion, Ward Maya Li Liyuan s score Master Patriarch has made all the money in the market.
There are already many new comments. 6666
Digital brother, you are really awesome. How did you buy at the top of the spire so accurately, and then sell on the floor with such accuracy This is not something ordinary people can do.2 billion Jiuzhou Blue Arrow has a market value of 243 How Kelly Clarkson Shed Pounds in 2025: The Truth About Using Gummies for Weight Loss billion, The market value of holdings is 13.
There is definitely a net profit of 50 billion next year.They have been swiping the screen from the beginning until now.
Definitely. We can t wait any longer. The emotional resonance of the market will definitely drive OTC funds into the market along with the rise of Tianzhou Online.Apple will enter the Greater China market this year, so let Apple win a few times first.
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The main body is a huge gear with a diameter of about three meters.Everything is normal for the time being. Several monsters were found two kilometers away to the west.
Now that the problem of nuclear scarcity has been solved, the production of nuclear fusion reactors should also be put on the agenda The earlier they were promoted to legend, the earlier they would have the qualifications to arm wrestle with that false god head on.
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.