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.
Amazon, el gigante minorista líder a nivel mundial, está desafiando las convenciones en el ámbito de la automatización de almacenes. La compañía está trabajando en
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There is no charge for diagnosis and treatment. The patient only needs to pay for the medicine.Hurt. So, I didn t choose alcohol to cool down, do you understand Zhang Jinlian s face changed.
It has the effects of nourishing essence, nourishing blood, and replenishing qi.If he wasn t busy, you would probably be worried. Wang Zhenzhen sighed, That s right.
But before he had eaten two mouthfuls, the phone rang.It was even covered with dirt and looked dirty. Du Yihai came in very politely, stooped slightly, took out a box of cigarettes and gave them to Du Heng and Liang Fuman, Xiao Heng, Lao Liang, have a smoke.
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The younger brother is a good younger brother, and the elder sister is also good.But you guys only went there once. That s not because your eldest brother needs money to go to school.
Just as I was about to put down my phone, there was another notification tone.Ewes and rams eat more. Moreover, sheep tend to get sick and are difficult to take care of.
The leader asked you to participate by name. You were called by name to participate Du Heng s heart skipped a beat and he quickly wondered if he had done something.Du Heng hesitated for a moment, but still picked up.
Even the driver repairing the car stood nearby, constantly gesticulating.There are four major classics of traditional Chinese medicine, Huangdi Neijing , Difficult Classic , Treatise on Febrile and Miscellaneous Diseases , and Shen Nong s Materia Medica.
They all told his family that he could be discharged from the hospital to take care of his funeral arrangements.I was just here to help him. If he was willing to accept help and had the desire to change his current life, Du Heng wouldn t mind spending more time helping him.
Because his work was quite special and he often had to eat and drink, the gastritis was not cured and relapsed repeatedly.I have to go outside to get medicine. The old man was also stubborn.
But the patient s current condition clearly shows that Wu Buwei s prescription did not work.Ding Chuanzong stood up to make way for his wife, and moved behind his wife, Daughter in law, please sit forward.
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That s good. The moxibustion and massage will be the same as before, right No problem, I still remember them all.You two, if you have something to talk about, can you put down the ax first Du Heng said cautiously, I am the director of the health center.
But every time after eating, my stomach still feels a little bloated.She really wasn t sure whether the mother had urinated or defecated.
When he talked about the toxicity of these two drugs, the family members couldn t stand it anymore.And he really couldn t understand the choice between the two.
Do you have any more, uncle I ll give one to my bestie too.It wasn t until Du Heng stopped that they quietly breathed a sigh of relief.
He is from here, and he understands these small ways in the countryside.Others have to climb to Management must go through the baptism of time.
The emergency doctor I know what Du Heng is worried about.But Huang Tian paid off his hard work, after all. I figured it out anyway.
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Du Heng eventually needed to verify this data again, which was very important for his subsequent treatment.I have to report it to the police, so I won t talk to you any more.
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Then everyone flew away from Shuiyue Cave and returned to the void battlefield through the space crack.Monsters are always sinister and cunning.You can t believe it.
Many people walked on it.Xu Yang mixed in and soon came to the gate of the city.Zongmen.Xu Yang nodded, Although Yongzhou is not as good as Qianzhou, it is not bad, and it can hone the mental state of monks better.
The two fled away in shock.For some reason, the Yinfeng beasts and the bull headed beasts stopped moving after they got away from Huangquan River.Therefore, Tianyuan Realm sensed this situation, and sent down a mutant catastrophe with the intention of destroying Xu Yang.
Take a closer look, It is precisely because there are so many Xunxian sects left, among them are Bai Tianxing, Wu Yuan, Sikong Li and others.It s just below my Fire Emperor s Court, and they didn t even break through my guarding circle, so how can they get close to the forbidden area I guard I m not like Baidi, who was afraid that Baidi City would be affected by Chi Yu, and moved them outside the forbidden area, causing the forbidden area to be destroyed
Baidi s face turned ugly when he heard the words, but he couldn t refute, so he swallowed the mouthful and suffocated to death.
The two Baidi were unable to suppress the other magic wing, and Xu Yang was exhausted and powerless to stop him, so he could only watch Huntian helplessly.The ancestor of Manao was overjoyed, and said quickly In this case, please leave as soon as possible, sister.
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If one can pass through this mountain, the road will be greatly shortened, and one can reach the organ city within half a month, so Xu Yang went straight into the mountain.There are countless.Looking up, Xu Yang found that some of the giant pillars had been broken open, and the treasures in them had disappeared.
The ancestor of the phantom demon looked resentful, The face is like gnashing teeth.Xu Yang used the Immortal Golden Body Jue to forcibly refine it.
Xu Yang s face was pale and powerless.The power of this Heaven Punishing Sword Light is indeed huge, and it contains a variety of law powers that are incomparably sharp, but the consumption is also huge.Seeing this, Patriarch Tianmo, Patriarch Honglian and others attacked Luo Hu and the others one after another to stop them.
Ancient Mirage Yuanjun explained This is the horror of the Four Dragons Town Demon Formation, which can shield monks consciousness and vision.Wanbao Pavilion has stood as the top power in Qianzhou for many years.
Xu Yang felt helpless, Heisha s speed was too fast, and his real magic escape method could not catch up.Several people chatted for a while, and then left with Tongming.
A flash of spiritual light flashed, and Xu Yang s figure disappeared in the array.Once, he accidentally offended a true disciple of the immortal king and was chased by the other party.
Seeing this old man, Xu Yang narrowed his eyes, and raised his guard secretly.A large number of desolate beasts and monsters who love the ice and snow environment gather to here.
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.