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.
El big data desempeña un papel vital en los procesos de toma de decisiones para las empresas, proporcionando información completa sobre el comportamiento del consumidor.
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Dozens of feather arrows were lost at once, which had a greater impact on his flying ability.Let s not talk about the first five rounds. All we encountered were disciples below the ninth level of Qi Refining.
Needless to say, this river should be the legendary Blood River, but the red water is a bit difficult to understand.If the three treasures are divided into seven parts, that spiritual armor will account for exactly three of them.
Yes, what does his personal grudges with the Liang family have to do with other people The world of cultivating immortals has always been based on strength.Arrived among the rats. The entire rat group did not disperse, but formed a dense encirclement outside, blocking all surrounding escape routes.
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He only needs to send back the information he got about the leaders.It would not take long to catch up with them, and Deng Changting and Tian Shengcai The two of them were dropped further and further away, and no one could be seen behind them.
For so many years in the world of immortal cultivation in the Kyushu continent, no one has ever been heard of getting one.The more times you practice, Qingyang will gradually become familiar with flying with a sword.
Master Jade Hoe rushed over, checked Master Qiyun up and down, then pinched out a pill and handed it to Master Wuyin, saying The Symphony Spider fought back before it died.During this period, the total number of casualties did not exceed five.
Even if he breaks through to the Foundation Establishment Stage in the future, he can use it.If you want to force me to take the Foundation Building Pill, you are forcing me to die.
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After all, the country will not suffer losses if things fail, and it is a wise leader if things happen.Let us get in the car first, otherwise we will definitely not be able to buy it.
Even if it didn t work, he could still learn from Master Ma what the fire in his body was.This kid is going to be in trouble The handsome middle aged man shook his head and muttered to himself.
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For several days, he used an electric arc furnace to make the glass with the best transparency, and after repeated grinding in the machine room, it finally met the design requirements.It seems that you are really anxious to return to the sect A figure rose into the sky from the flying boat and flew out with a sword.
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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.