Latinia dio a conocer su perspectiva sobre los nuevos actores en el mundo financiero, “una nueva raza” de bancos, que ya se ven en el horizonte y que darán mucho de qué hablar en este y los próximos años: se trata de los neobancos.
“No son bancos según los entendemos hasta la fecha: son solo digitales, pero no son fintechs, pues disponen de licencias para operar, son excelentes en interactuar con el cliente y en su experiencia con él, son ágiles y disponen de recursos”, comentó Oriol Ros, director de Marketing de Latinia. «Esta nueva figura se enfrenta en todo caso a grandes retos, como la de alcanzar la meta de la sostenibilidad al no disponer de una masa de clientes suficiente, a los que habrá que evangelizar, aun así, su papel es imprescindible para entender la banca del futuro».
«Su rol es imprescindible dentro de la actual dinamización del sector financiero, tan convulso, entre la amenaza de los grandes actores digitales y las fintechs, pero es posible que los neobancos jueguen en el corto plazo un papel más importante, porque precisamente entienden mejor los ejes más críticos en los que se mueve la industria financiera en estos momentos; tecnología y cliente, y vienen con licencia para operar: Son el James Bond de la industria”, abundó Ros.
Es posible que su futuro esté escrito ya como nuevos actores digitales de la banca tradicional, que los abrazará para extender su oferta a las nuevas generaciones, convirtiéndose así en las nuevas marcas blancas de los bancos tradicionales, ávidos de encontrar un nuevo vínculo con un tipo de cliente que prefiere ir antes al dentista que a la oficina de su banco, por lo que reducir la interacción con el banco a la App contigua al Messenger de su Smartphone parece la aproximación más inteligente.
Al ser solo digitales juegan con ciertas ventajas, más allá de entender bien al público al que se dirigen; costos, agilidad y experiencia de cliente, y cuando se acaben los recursos, sino participados ya por bancos tradicionales, seguramente su marca será un buen activo que justifique su adquisición por parte de cualquier banco tradicional.
En una cosa están siendo especialmente ágiles: suelen apoyarse en las fintechs para ofrecer servicios financieros en los campos a los que no llegan, y aquí la industria tradicional está más ”temerosa”. “Los neobancos forzarán a la banca a acelerar su oferta y a adaptarla a una nueva demanda, sin oficinas, sin fricciones, en un entorno 100% digital. Cumplen, hasta cierto punto, una función social, son el eslabón necesario para cambiar de ciclo, y la historia así les recordará. Mientras los bancos tradicionales han sido empujados al camino de lo digital por presión competitiva, para los neobancos es algo natural, una opción de origen», aclaró el ejecutivo.
El concepto en sí es amplio, pero algo muy concreto los distingue; la voluntad de operar de forma distinta a cómo los clientes han interactuado con sus bancos en las últimas décadas, más allá del canal; lo digital es puro ADN, son, simplemente, una nueva generación de bancos, posiblemente con un recorrido finito, pero que resultarán clave para entender cómo la banca tuvo que adaptarse a una nueva realidad. Confianza y reputación ya no son suficientes, si bien siguen siendo los principales activos de la banca tradicional; el cliente se ha convertido en un radical de la conveniencia y a él hay que adaptarse.
Características clave de un neobanco:
100% digitales, ágiles y pocos costos de infraestructura.
Dominan la CX (Customer Experience).
Canal de distribución perfecto para el banco tradicional.
Capitales para entender el proceso de Transformación digital de la industria financiera.
La cuenta regresiva de movilidad eléctrica ha comenzado: 2020 podría representar el punto de este cambio. Volkswagen acelera hacia la nueva era con la nueva generación de vehículos eléctricos innovadores.
Not only was the giant s back pierced by the crystal dragon horns on the crystal dragon s head, its two forelimbs were also deeply pierced into its body.Don t come over here. Once out of protection, the fate can be imagined.
Besides, there is no money. So he thought of a person, Centurion Li Xiaokun.Let s go to the Shadow Realm Zhao Hao said the reason why he was anxious to get his pet back into shape quickly.
It seems that this is their mission goal. If Zhao Hao hadn t used this trick to kill him head on all the way, the fifteen minutes would have been really tense.That s right That s right Why didn t I think of that For undead transformation, the key point is a flash of inspiration.
Even if he switches professions, his Source of Life suit is not a decoration.The sixth level great elf It is the evolved form of the fifth level wood elf.
The reason is that their development during this period has affected the interests of another foreign business group, and the other party colluded with Lei Ming Leader to set such a trap for them.Now they have lost so much at once. Fortunately, they did not have a heart disease, otherwise they might have suffered an attack directly.
Next to the corpse, a figure wearing black leather armor, holding a long sword, and a black cloak hanging down, like a god of death, appeared.As agreed, you can choose three items Neveu did not mean to introduce these things, even if she knew about them, she didn t know much.
In comparison, he is more concerned about the effect of summoning the undead.The dark camp means that it can only be used by the three camps of hell, dungeon, and cemetery.
After these three teams were sacrificed to protect their lives, a large number of evil spirits and hellhounds were killed.As we continue to move forward, we can see broken branches and broken trees and traces of flames everywhere.
The weaker the spellcaster profession is in the early stage, the stronger it will be in the later stage.System prompt You have completed the mission Call of Hometown and gained the friendship of Haka The task is simple to complete.
But when you stand below, you will find that the umbrella shaped magic tower above your head not only does not block the sun, but also does not block the rain, as if you are between illusion and reality.So scary Epic equipment is not on the same level as it.
Are you leaving here Zhao Hao asked with a slight frown.war machine Only then can we see why Abomination can have this title.
Facing the Crusaders with magic blessings, it was already a bit unbearable.She is the cousin of Qin Hu s cousin. As soon as Qin Hu dies, the huge family property of the Champion House will naturally fall on this cousin.
Although the dragon s breath consumes little, it will also consume.At this time, the number of Shadow Swordsmen was less than 300 units, which can be said to be a heavy loss.
Sand, sand More than a dozen egg thick man eating vines He broke out of the ground and stalked Paimeng who was rushing towards him.In this case, the combat effectiveness of part timers will skyrocket again.
Resisting the invasion of the orcs is the responsibility that the Crow Principality needs to face, and it is also what they rely on.Now that Zhao Hao has revealed his future design, it saves her a lot of time and energy.
Advantage Judging from the scene, there are less than a hundred Storm Guards in number, and all of them are injured.
This part of the formation has experienced thousands of years of natural cultivation and produced unknown changes.Li Yuanba first went to find the Great Venerable Hongfa.
He felt that his experience in the past few days was almost equivalent to his mission experience in the previous two years.When he fights with all his strength, he will reveal many secrets, which he will never allow.
While flying, he opened the jade bottle, which contained twenty third grade elixirs for cultivation.Besides, he was impressed by Li Yuanba in terms of both his combat power and space knowledge.
Besides, with the current situation within the sect, if he doesn t come back, there will probably be big problems.Even superpowers will not interfere in the battle between the great monks at will.
It s a pity that the fourth grade spiritual tea was only launched for a short period of time and was out of stock.Senior brother Senior monk Hu Shiming quickly came over and expressed concern.
The sword and Nascent Soul level sword intent led the way and flew towards the eight peaks.Every time he delays, some of the energy in his body will recover.
Among them is the method of using the master s spiritual power and blood essence to feed the Silver Winged Spirit Gu.The countless years of magical power inheritance of the Fuliu Sect were cut off at the hands of the great monk Mao Jing.
A monk who has mastered the magical power of Innate Yimu is an invincible little strongman.Just when the sword light of a trial was chopped into pieces, the Breaking Void Sword Intent completely dissipated on the fourth grade sword base.
Li Yuanba smiled and took out a jade box, placed thirty portions of fourth grade spiritual tea in it, and sent it to Jian Lao.In particular, the formation masters trained by superpowers have far more knowledge and formation knowledge than other formation masters.
Junior Brother Li is good at what he does Senior Brother Qi Jin sincerely praised him.How dare you, how dare you he roared. You recognized it, the mountain magic weapon of Baidi Sect, very good hammer material Li Shiming understood where his anger came from, and he introduced with a smile.
End of Chapter What is this Li Shiming found a familiar spiritual object from the soul crystal ring.After such a long period of continuous practice, his two magical powers, Innate Yimu and Nectar Divine Water , have already gained a certain foundation.
This is not a secret method for sword cultivation, but a general secret method for controlling and nurturing spiritual treasures.Wu Qingshan did not use any other means in this regard.
There is a connecting channel between this area and the Hell Cave, and this is where the radiation first passes.Elder Su was slightly stunned, and immediately knew what it was, and he did not refuse.
experience. This unexpected gain made Li Shiming feel that the trouble of killing the great monk Duan Zhang was worth it.He was sucked into the storm vortex. When he woke up again, he was already in the Northern Shu continent.
Brother Hu did not persuade her to stay. She appeared at the gate of Ten Thousand Beasts Sect and came forward to fight, which already explained the attitude of Luanfeng Palace.After receiving the distress signal, Brother Duan Zhang used Thunder Escape in this direction.
The two top monks are enough for all forces to take seriously, so there is no need to add any unnecessary extravagance.Li Yuanba didn t know what the current changes were, but he was certain that this change was not harmful.
On the other side, Lei Xiu, who was in the middle stage of Nascent Soul, rushed over quickly, and Li Shiming understood it with a little thought.Sometimes he is a farmer, sometimes a soldier, sometimes a scholar, sometimes an official.
Just like he did with the Baidi Sect base, to be honest, if he just wanted to, he could completely invade the Baidi Sect base s formation silently.Especially after the sacred tree discovered the Xi soil , it recognized the environment here, which made the sacred tree Become a part of Bansheng Cave.
Senior monk Luo Pei threw the Ten Thousand Swords Peak.When Li Yuanba saw this, he couldn t help but sweat profusely.
Obviously, the ability of the natal magic weapon ibz15 greatly helped him practice the Tai Qing Xuan Turtle Technique.He has no interest in power and fame. With his alchemy ability, fame and wealth can be obtained at any time without the need to control a force to obtain benefits.
For alchemy masters with inferior alchemy skills, this fourth grade elixir refining task could not be accepted at all.
Oh, when did the players from the island nation have the courage to speak loudly A voice sounded from across from Amaterasu, behind the three of them.Green Wing and the other four golden dragons did not have this ability.
Not to mention there are still five thousand units of wood elves waiting to be received, and those will be trained by Ellie into shadow swordsmen.As for subsequent investment, it naturally depends on Mick s performance, so he promised that he would not be confused.
It was under this counterattack that the time came for Zhao Hao s plan to be launched.Thank you, sir Mia also knows that the undead are the public enemies of the living, and sometimes they do need to be avoided, as long as they don t hide in them all the time.
Buzz A flying ant swayed in front of Zhao Hao s eyes, trying to attract his attention.His strength will naturally increase greatly. At the same time, all attributes will increase by 30 , completely crushing the real dragon.
But Qin Hu is definitely not someone who just sits back and waits for death.The Dark Knight takes a frontal advancement route. With good defense, agility, and terrifying attack power, it is indeed difficult to deal with.
At this time, the other party s face was still a little pale, but it was much better than when the essence and blood had just been taken.Will there be a problem A player asked. The young man wearing leather armor and two long swords at his waist asked.
Zhila The opponent almost started to adjust the direction of pursuit at the last moment and swam towards the direction where the Warrens were retreating.After dragging the player to his side, Abomination raised the butcher knife in his hand.
The only disadvantage is that it consumes high level resources, but this is certainly rare.After all, the world of heroes is a place without restraints.
What a miserable old man Anyway, Yule couldn t bear it.This is the fifth level ghost In terms of combat effectiveness, Ghost ranks among the bottom among all five levels, and can defeat anyone of the same level.
Without the Space of the Dead, how to carry these three abominations would be a problem.Even without him, there are two heroes, Memphela and Ellie, so there is no chance that the army will collapse if he kills him.
His commanding ability is really outstanding That is to say, the president doesn t have many achievements now, but he will definitely be in the top ten in the future, or even reach the top
All kinds of compliments came out. But just as they were exchanging business blows, they didn t notice that something was wrong with the surrounding situation.
That s it. That s almost the feeling. Moreover, after the lightning hit him, it continued to jump around, causing the remaining three bone dogs to suffer injuries of varying severity.These legion commanders can only see the undead if their faces look good.
Uh huh A dark vortex appeared in front of Xiao Lu, and the other party stepped directly into it.Exchange Zhao Hao clicked decisively, fearing that someone would beat him to it.
It can be said that the champion Houfu was completely embarrassed.The point is that he heard nothing and had no idea what the other person was doing.
Behemoth Unexpectedly, Haka would let the opponent break the back.But after the old Marquis died, Chen Guogong turned against him and became ruthless.
Memphis With the blessing of her epic template hero, the fighting dwarves defense was as good as a steel plate, and they withstood the Crusaders offensive.I only have twenty taels of silver with me. The imperial edict said that we were sent to the army and our property was banned.
After all, not all spells can exceed the opponent s range.A brutal but effective method. Of course, the orcs stare at humans not because they have any grudges, but because humans occupy fertile land, produce the most food, and are also the easiest to bully experts in internal fighting.
Not to mention the Soul Gathering Magic, it is definitely the most suitable hero for the cemetery spellcasting route.Time passed by Zhao Hao in seconds that seemed like years.
Card, card Among the nine heads arranged forward in a fan shape, one of the heads exchanged positions with the middle head.You might die if you try. Stop the opponent The licking dog holding a heavy shield stopped in front of Freya, preparing to buy time for Heri behind him to cast a spell.
At this time, the Scarlet Fortress has become a meat grinder.But of course there is another reason why Zhao Hao uses the ultimate transformation technique instead of natural enchantment.
The two are treated differently. The former is a straggler, and the latter is a powerful ally, so they will naturally be treated differently.Non nine camp arms Zhao Hao made this judgment instantly.
The extremely hot flame dragon breath instantly melted a dozen griffins in front of it.
Or, to put it more secretly, it was just the prelude to another extremely important fight.Such a setback in the manifestation of the sword light appeared three times in a row.
A piece of text is no more than the size of an open picture scroll.The reason why it was used up in one go, Just to meet certain conditions, it is like a fire burning, spreading heroism.
But
that is a chance to defeat the blameless enemy. If it were you, faced with this great opportunity and the temptation of killing without blame , would you really be able to give up easily The audience showed admiration for Yu Li, Huang Xiyin s eyes moved, and she said slightly disapprovingly Those two are lucky.
Its appearance is only slightly improved, and even Gui Wujiu has a huge warning sign in his heart.But the direction is completely opposite the opening of Muxiang s crescent moon pattern is facing the upper left, while Muxin is facing the upper right.
Considering the cultivation level of Mu Xiang and Mu Xin, it is really shocking and terrifying to be able to display such methods.But not long after Qin Menglin and Huang Xiyin left, a message came from the Yue Hengzong teleportation formation, saying that Mu Mu, the original Lu Zong, was here.
Every three breaths, it seems to turn into a nine aperture white bead very regularly.Later, he only defended but did not attack. If the opponent wanted to attack, it was enough.
After cooking for the two of them, Qi Xianren picked up the blue flint and rubbed it hard, and a small flame immediately bloomed.Everyone knows that even if he is not destined to be the leader of a world, in this generation, being able to rank as high as possible also involves cause and effect.
Yuliong said lightly Then give it a try. The four of them joined together.It s because of the special attributes of Ziwei World as a big world.
Mingjun hesitated for a moment and then said I m not
Hanzhen interrupted him very quickly and said decisively I know.In fact, when the formation was formed, Long Yun and others may not have thought of breaking through the gate but upon closer inspection, because the seven inner and outer formations and the dragon and phoenix clan formations are interconnected and dependent on each other, if the five The space was destroyed, and the nine formations moved the whole body with one move.
Mood naturally does not allow it to escape his control the method he uses has two big gates, which are as strong as a natural chasm.He has been waiting for this day. Because he entered the wonderful state of the realm of heaven and man at the critical moment, he was able to defeat one against three.
Is it possible that the person in front of him doesn t even care about his daughter s life or death As long as I m here, she won t die
Nie Yun smiled faintly Your current strength is not much different from mine.And once this is completed, it will definitely be of great benefit.
Xian Dao narrowed his eyes, only a sliver remained, and looked into the distance, saying If you don t leave, it will be too late.A figure emerges from the circular mask. Xi Lerong.
Her eyes were only two or three inches away from each word, and she read each word word by word.After being stepped hard on the chest by Jiang Minyi, she immediately fell down.
It is originally the realm of the Tao. The reason why Huang Xiyin shows abnormality is that the loss of the devil s heart is only half, or even only a small part of the reason but the other half of the reason is the natural desire to challenge in her heart and the blameless karma of one world is the only one.
It seems that the Nascent Soul clone is not that important.Huang Xiyin is the only one who can help Yin Sect make a decision that meets Gui Wujiu s wishes when Qin Menglin s seclusion breaks out among the alliance forces.
If there is an in depth confrontation, it will not be difficult for each of them to understand the details.After the Qi flow returned, the figures of Gui Wujiu and Qin Menglin on the left and right gradually became thinner and drifted towards the middle position.
Although the power of this blow is incredibly powerful, it still does not damage this world at all even if it is broken, it can be filled at any time, and there is no need to use additional mana.Two words appeared in everyone s mind Blood medicine And this medicine is so powerful that even those with lower cultivation levels in the Rongyuan realm would be unbearable when they smell it.
What s the use of the so called apology I didn t expect Mo Tianqing to be so decisive and fierce.
Latinia dio a conocer su perspectiva sobre los nuevos actores en el mundo financiero, “una nueva raza” de bancos, que ya se ven en el horizonte y que darán mucho de qué hablar en este y los próximos años: se trata de los neobancos.