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.
Un estudio mundial calcula que la demanda por profesionales en el área es superior a la oferta en una proporción de 6:1. Otros predicen que la relación podría ser más drástica: de 9:1.
Es mucha la complejidad a la que se enfrentan los jóvenes; exige una formación innovadora y de inmersión para desarrollar competencias que los faculten a cumplir metas y expectativas de la sociedad actual.
Las cadenas de suministro involucran piezas móviles complejas y dinámicas. Para mantenerse competitivo, debes crear un sistema flexible que pueda adaptarse a las interrupciones, aprovechar
One thing brings down another thing. The child, who was originally fearless, sat down on the ground, reached out and wiped his face randomly, his face turned pale.He strode out of the threshold and looked towards the wall with a smiling face. Liu Xianyang then stiffened, and found that he had no strength to jump off the wall.
Yes. Chen Ping an, then from today on, I will call you junior uncle Why After you become my junior junior uncle, If one day I make you unhappy and you plan to leave me alone, you will definitely ask yourself I, Chen Ping an, am Li Baoping s beloved junior uncle.It is understandable. If you change your mind at this time, there What Do Customers Say About Using Diabetes Shots For Weight 49ozp9t Loss Analyzing Shocking Results And Customer Experiences is still room. With this, The words of the immortal in the sky were like bursts of thunder rolling away in the sea of clouds, and those fleeting lightning and thunder continued to seep out from the bottom of the sea of clouds.
he said earnestly I even have the scabbard, how far is it from the sword immortal Chen Ping an stupidly took the empty scabbard and said in shock, What are you talking about Ning Yao strode forward.Looking up, it turned out to be a tall man wearing a snow white robe. He put his hands behind his back and put his hands on the white jade belt on his abdomen, looking into the distance.
In addition, it all depends on whether you want to buy, cheat, or rob.
Cai Jinjian raised the corner of his mouth, It depends on our mood. She suddenly frowned, Master Fu, why don t you let me bring the descendants of the Zhao family who are rooted in the local area, even though I also learned some local dialects before leaving.
Fu Nan Hua interrupted the woman s words, shook his head and said Those big surnamed portals have always had secret channels connected with the outside world.
The black snake suddenly hit its head against Zhu He. The Ultimate Acv Fasting Guide What To Know About Ol0xmaqw Apple Cider Vinegar Zhu He, who had been holding his breath and carefully accumulating strength, retreated with one foot, stepped forward with one foot, and punched the black snake s huge head from the front.Come on, even if you have thousands of Why 6fjknc0d Wash Your Produce troops, but the road is narrow and difficult to navigate, how can you smoothly dispatch troops and generals Chen Ping an suddenly realized, That s the truth So this level is also called the mountain realm, and it is the most difficult test of water milling skills.
Those people must be experts, we are too young, the top priority is to save our lives, and after confirming that it is safe, we can talk about other things, such as quickly saying hello to the family members who have moved to Dali Capital City, and saying that they are safe.What, I ended up walking around in circles in my house for most of the night, still worried about Liu Xianyang, so I finally had to call Chen Pingan and gave Liu Xianyang a bottle of ointment.
Ruan 99y6n Keto Gummies And Weight Loss How Effective Are They Really Qiong sighed heavily, For my sake, you two should just let it go. Otherwise, if the three of us fight in a melee, will we really destroy this place with a radius of thousands of miles The young man immediately removed his hands from his sleeves and raised them high, very quickly.To put it simply, the little girl Tao Zi will be a long term The board is very long without any shortcomings.
She was so pretentious. She even asked someone to hug her when she entered the door.I guess that big bad wolf was Daddy. Mommy was just afraid that Daddy would bite her again, so she kicked Daddy out.
The little guy became more and more aggrieved as he spoke, his mouth flattened.Then she heard the horn of another car blaring. From the sound of the car, she knew it was a very expensive sports car.
That s a bit too much When he first saw this woman, he was amazed by her like other men.It s all because of this bitch, Gu Ruoyi. I don t even have the qualifications to be a mother.
Later, on the way back, her grandfather told her that they did not want to take care of their family like they did.With a groan, Huangfu Ling wanted to fight back, but two bodyguards stepped forward to hold him back.
Also, the little guy is growing taller. If he doesn t eat more, how can he grow taller Although his cold blooded dad is visually estimated to be 188 in height, and genes have already determined the little guy s future height, experts have said that acquired nutritional intake will also affect a certain height.
Call someone. Protect the mother and son and don t let them make any mistakes, otherwise, you will swallow the knife yourself Li Shaoting replied coldly, and How Apple Cider Vinegar Helped Me 66jb Lose Pounds A Simple Recipe then hung up the phone.If your brother hadn t helped you handle it, the entire Li family would have been almost destroyed in your hands.
Chen said that Zixiu will marry someone else in half a month Li Shaoting said calmly without changing his expression.He couldn t wait to taste mommy s cooking. Daddy is so lucky to marry such an excellent mommy.
She could only look at Li Shaoting who suddenly came in.He quickly bowed to them and said sorry. Boss boss, are you okay in here The young employee looked at the boss lady worriedly.
After being in the makeup business for so long, this is the first time I have seen a female star with such good skin.The little guy went down the stairs, pooping. She Weight Loss Semaglutide Benefits Reasons To X47 Consider Its Use ran over and hugged Gu Ruoyi s legs, her soft little face rubbed directly against her jeans, Mommy, Xiao Chen dreamed of Mommy when he was sleeping last night.
Thinking of this, Gu Ruoyi felt excited. In the kitchen Gu Chenxi looked towards the kitchen with gentle eyes, telling her not to go into the kitchen, otherwise she would be disobedient, and she would have to make food for him.I wanted to help her, but she acted like a madman. She rushed up and said she wanted to take revenge for what happened this morning, pushed me down, and even said she was going to drown me Dad, it s all my fault.
My husband is used to making fun of me.Lin Zhilan said coquettishly.He looked at the young man and asked, Then why did Brother Chu go to the restaurant to check I didn t go to the restaurant to check, but to find someone.
Although the palace also has preparations, there are too many people in the palace.Yan Qinghuan told her about the incident.At that time, her heart ached.
Xiao Xuwei looked at the money in his hand, and felt a sense of humiliation.Mr.Zhou said worriedly. Mrs.Zhao did not get along with her daughter when she was in the boudoir.
Seeing that Su Yurou had swallowed the poison, the two nuns released him.Seeing Chu Heng s sad face, she felt a little flustered.
Since God reunited their husband and wife, it must also reunite their family.Knocked to the ground, and then hit Lan Xin.Lan Xin dodged easily and was about to fight back.
After the arrangements were made, Chu Han and Yan Lv set off for Zhalu Valley.As he said, he planted a small flag on a city named Yancheng adjacent to Zhao State and Wei State.
Yan Lv walked forward and said This person is a subordinate of this official.Chu Kuan said Of course, Gu He ever lied to you.Gu He is just using her now.
Seeing her confident appearance, Chu Han smiled deeper, I have confidence in you, let s go, get in the car, and go eat.Chu Han saw the timing, picked up the stone on the ground and threw it out.
This.How could Wang Matchmaker have the nerve to go to Chu s house and open her mouth Mrs.Lu Xiaoli also took a sip of water, feeling completely refreshed, How are you Transform Like Kelly Clarkson Proven Weight Loss Strategies C5d For learning games No progress, I m not good at this job, and I m good at playing games.
Chu Ming made an appointment with a friend, and went out to meet How Randy Jackson Lost Weight And Gained A Healthy Life Ur6g9tv1a Ktc the appointment, while Chu Han went back to the study to continue studying, and met someone when he passed the second gate.They are also together in reality.The audience is the best live advertisement.
That s right, I hope You can find your wife sooner.What Zhu Tao was shocked, and looked at Zhou Xun suddenly, his eyes were sharp.
What right did Zhao Ruyue have to resent Before getting married, she knew that he was not the real son of the Chu family.Chu Kuan quickly wrote a decree, which was How To 5x22d Make A Natural Mounjaro Recipe For Weight Loss Easy Effective Formula sent to the border to Duke Rong s son, Wen Ji, to lure Chen Guona s military adviser to Qi State at all costs.
A handsome young man in a suit and leather shoes came down.Your Highness, everything is ready and you can go back to Qi State.
Qian asked people to inquire and found out that it was Mrs.There was a lot of discussion in the streets and lanes, saying that the Zhou family was too wicked and wanted to marry off their barren daughter to kill others.
Junjun, don t worry, grandma will leave soon, don t worry.
The young master, full of aura of wealth, curled his lips and said Don t pull me down, I m not willing to go.The man laughed and said, I m very powerful Did that girl in black from your The Valerie Bertinelli Weight Loss Guide Secrets To Success 04kgcm family tell you that Well, this shows that her martial arts talent is extremely good, even better than your friend named Liu Xianyang.
Song Jixin found Zhigui huddled in the corner, shivering. He asked worriedly What s wrong Zhigui said tremblingly I can feel that there are countless scary things on the other side of the door.Ruan Xiu smiled and said, I ll go tell my father. After Chen Ping an finished boiling the Metformin For Fat Loss What You Need To 2bci Know medicine for Ning Yao, he went to find Liu Xianyang.
Ning Yao sighed and said The apertures of these ferocious beasts born from the strange phenomena of heaven and earth are far En Keto Bites Acv Gummies Reviews Qft 0z9phgap inferior to those of us.The child picked the small fishes one by one from the dogtail grass. The big ones were as long as a palm, and the small ones were no longer than a thumb.
The sound of footsteps came from the door of Song Jixin s house. Liu Xianyang was about to jump off the wall, but he didn t Chrissy Metz F18pgd Weight Loss Struggles Facts You Must Know Fall see him.Liu Xianyang smiled and nodded vigorously, He said okay, okay, then looked back at Chen Pingan, pointed at the girl in the room, and then pointed at his head.
Chen Dui stopped and turned around to look. Although she didn t speak, her face was gloomy. Liu Baqiao quickly turned around and helped Chen Songfeng get up.Ma Kuxuan gently flicked his left hand holding the remaining stones, and one of the stones just fell into the palm of his right hand.
You continue, there are two more What is the top of the mountain Ruan Qiong stopped talking and did not continue the previous topic.First, we went to the Yang s shop and used a gold and copper coin to buy a lot of medicine bottles, ointments and medicinal materials for treating bruises and internal How Sarah Op8d5 Huckabee Shed Pounds The Fitness And Diet Plan Behind Her Success injuries from an old man who knew everything about them.
This kind of great supernatural power can be said to be at its peak. Although it is largely attributed to that large formation, it still makes people feel awe and awe.Chen Ping an was confused and walked away from Mud Bottle Alley quickly. Looking back, he saw that the man had slowly walked into Mud Bottle Alley.
Instead, I caught a live fish as long as the palm of my hand. It is commonly known as stone fish in the town. When it meets people, it likes to hide under the rocks.Under the tree, there was a trunk that was moved here Proven Strategies For Sustainable Weight Loss Before Summer 7hel Insights On Kim Kardashians Journey by someone unknown. Two bluestone slabs and this large tree were used as a simple bench.
She limped back to her yard. When she passed Chen Ping an s house, she wrinkled her nose and frowned, feeling a little confused.If Chen Ping an hadn t run to shout those few voices, the family would have been destroyed. Liu Xianyang, who has no elder relatives, may really be thrown into a mass grave.
In fact, his energy and spirit had been leaking out. As a result, something happened to Liu Xianyang at this time, so he had to Drink Apple Cider Vinegar Daily Secrets To Sustainable 6ciha48j4 Weight Loss In work hard to stimulate his potential.He remembered something, bent down and put down the basket, picked up one of the stones that he had fallen in love with at first sight.
He was not like Zhengyang Mountain Moving Monkey or Laolongcheng Fu Nanhua, who Sculpting Your Jawline Tips To Successfully Lose Double Chin Gwbjo1 thought he was superior to others, nor was he like Lu Daochang and Miss Ning.I just feel like the sky is falling. Chen Pingan was skillfully disemboweling the fish and squeezing out the internal organs.
Li Huai asked Li Baoping has already followed you Did you tell them everything Chen Pingan nodded. Dong Shuijing asked, What should Shi Chunjia and Lin Shouyi do Chen Pingan smiled and said, They have been taken over.The soil properties can be divided into many types, including light and heavy, fertile and barren. What is even more complicated is that you need to identify a certain type of soil, and which type of water, fire, metal, and wood is naturally close to it.
He was familiar with the work, not like a kiln. Although he was a worker, he looked like a clerk who had been working in a drug store for many years.Chen Ping an understood clearly and just called Li Huai s name, Li Huai, you two come here. I have something to ask you first. Li Huai yelled and pulled Dong Shuijing forward.
But rules are rules. Ever since they were born, they have followed the established path. Children of How Kelly Osbourne Rn43 Achieved Her Incredible Weight Loss In noble clans, big and small, without exception, have been influenced by them since childhood.The Mingguan Master also said that the door god we posted will actually come to life at night and help us protect the house.
The gap between the two groups of people separated by that line is so big, it s actually like.
people and vegetation, right , is no different from the separation between yin and yang, or even greater.He moved around around the southeast, northwest, and northwest. After Nutracelle Nutramin Vitamin U6yfh5n Gummies Nutritional Support For Every Diet his butt returned to its original position, he became more and more certain that it was the pedestal at the foot of the statue with the Bodhisattva Nodding.
According to Mr. Qi s rules, when two parties play chess, they can throw in the stone and admit defeat silently.Logically speaking, it is my turn to pay a visit with good wine, but I was halfway there at the time.
Liu Baqiao shook his head and said It s not that it s hard to explain clearly. In fact, it s you who are unreasonable in the first place.
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.