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 tecnología ayuda a los fabricantes de dispositivos a lanzar al mercado de forma más rápida y rentable, y de alta calidad, consistentes en experiencia al consumidor en las aplicaciones y dispositivos Android.
Acompañar activa las neuronas llamadas espejo que contribuyen a que entendamos el dolor de otras personas, a tranquilizarnos y hacer que los otros se sientan comprendidos.
El PHU-111 Wacom Clipboard es un smartpad que permite a los usuarios rellenar y firmar documentos al estilo antiguo, usando tinta en formularios de papel normales y convertirlos a formato digital en tiempo real.
Therefore, she will not fall in love with Chai Xian.Once Xu Qian is subdued, King Kong and Canglong Qisu will free up their hands to help the Love saving Arhat deal with Luo Yuheng, so it will be foolproof.
And the gaze from Irb was cold.The people present in the Jianghu silently distanced themselves from each other, lest when this mysterious master was punished by the third rank Linghui master or Dharma protector, he would harm Chiyu because he was too close.Gongsun Xiangyang nodded and said However, the Buddhist monks have made some movement today.
Xu Qi an, Li Shaoyun, Yuan Yi, Tang Yuanwu, Liu Yun shuttled through the mist, After walking for a while, a picture appeared in front of my eyes, the red candle was at a high point, and my eyes were full of happy red.Instead of living in a barracks, it is better to stay with a young girl.
Under such circumstances, if Chai Xian had a face to face meeting with Jing Xin and the others, it would be absolutely impossible to hide the fact that Chai Xian is the host of Dragon Qi.The empress did not count how many King Kong there were at the peak of Buddhism.
Luo Yuheng belongs to Xu Qian, and the number one beauty in Dafeng also belongs to Xu Qian.The possibility of murder has increased a bit.Although her ex husband was seriously injured at the time, and his life was hanging by a thread.
After this sentence, a quarter of an hour passed.The princess fell asleep again, snoring lightly.A woman s interest in a good man is like a man s sexual interest in a stunning beauty.
Li Lingsu swallowed her saliva, cautiously, He looked at Luo Yuheng with proving eyes.Xu Qi an looked Glancing at the small fox body, she silently covered her face.
When the distance is sufficient, the fragments of the book from the ground can be combined with the formula to forcibly suck out the dragon s energy.The bridal chamber is the first to cultivate the relationship.
This inn is of medium size, the second and third floors are the guest room areas, and there are corridors outside.Canglong raised his hand and interrupted Does he know our combat power Buddhism has already scared the snake, he knows the number of masters in Buddhism.
At night, I summoned the snakes, worms, rats and ants of the Chai Mansion to investigate carefully.Slap The little white fox fell to the ground.It was only as long as an adult s forearm.
Is it a coincidence Chai Jianyuan has only one adopted son, Chai Xian.The behavior of jumping out to mock like the man in Tsing Yi was no different from suicide.
Damn, can I have a piece of lean meat He picked up the fat in his mouth, and was chased away by the monks.She is wearing a plum colored jacket, a fluffy skirt, a small phoenix crown, a silver gilt hairpin, and a gold phoenix hairpin inlaid with emeralds and gemstones, and a sterling silver wreath hanging around her neck.
My child understands.Concubine Chen nodded in satisfaction, and suddenly said bitterly After you ascend the throne, Concubine Mother wants that woman to enter Changchun Palace.The Difficult King Kong dodged to block the door of the pagoda, raised his hands, and pushed hard towards the sky.
The little white fox tilted his head, thought for a while, and said, Okay It quickly crawled out of the warm blanket and jumped out of bed , came to the edge of the small cave, and jumped hard.If he dares to appear, he can be easily eliminated, and the impact will not be great.
Luo Yuheng drank tea calmly, and said calmly Send her away.Dexin Court.On the pitch black roof, Huaiqing in a plain white dress stood at the corner of the flying eaves, looking at the Star Tower.
Because I am not sure that Chai Xian will definitely come last night, but how can the people behind the scenes be sure that Chai Xian will come last night Murder The premise of silence is that Chai Xian gets the note and will disrupt the situation at the Demon Slaying Conference tomorrow.As he was thinking, he looked towards the direction of the barracks, and happened to see a young girl leaping onto the roof, staring down at the audience.
What she really wants to say is that Sister Caiwei has a lot of money and can always buy all kinds of delicious food.Amitabha The sound of chanting the Buddha s name awakened the Holy Son from his muddled state.
He called the waiter in the inn, prepared some dry food, clean water, and daily necessities, then sacrificed the Lingfutu Pagoda, and took Mu Nanzhi and the little white fox into it.Luo Yuheng took a sip of tea and said lightly It s a pity, half a year has been wasted, and the cultivation base is already gone.
According to what the national teacher means, it means not to practice double cultivation tonight, but to continue tomorrow Xu Qi an murmured to himself, but didn t dare to ask, because this national teacher is like a dynamite bag, which explodes at one o clock.After drinking, Xu Qi an lay down on the bed and fell into a deep sleep.
Xu Qi an cupped his hands at him, took the paper and read it.Huh Xu Qi an couldn t hide his surprise, not that he was surprised that Jian Zheng s soul would come out of his body.
In the black button like fox eyes, there are three points of hostility, three points of fear, three points of grievance, and one point of pity.My cultivation base is sealed now, and Shenshu right is sleeping, lacking the ability to deal with risks.
Li Miaozhen hummed twice, she didn t talk too much about Huaiqing s topic, because in the eyes of the saint Come on, it s impossible for Huaiqing s noble, cold, arrogant and talented woman to fall in love with the flirtatious and lustful Xu Qi an.During the process, a brilliant golden light overflowed from between his brows and quickly permeated his whole body.
He crashed into a shop on the side of the street, smashed through a wall, broke a beam, and caused pedestrians on the side of the street to run away screaming.
This is consistent with what the master said Susu nodded slightly, without any doubts, she kept the long story short Tell me all the information you have.And the watchman is in charge of the Sangbo case, and No.
Some boatmen even quietly adjusted the angle of the sails, and the barge slanted away from the official ship where the watchman was.Jiang Lvzhong took the jade pendant and handed it to Governor Zhang, who held it on his fingertips and rubbed it, groaning silently.
Although he failed, the beaters also suffered heavy losses.Wei Yuan happened to pour a cup of tea, put it on the opposite side, and raised his hand to signal Sit.
If the case is not solved, don t even think about it.Finally, he turned his eyes to the Blue Pond Court in front of him, and to the tavern where the oirans were.
Whether begging for life includes killing government officials and robbing the imperial iron mine No, it s not an adult, but a villain.But my sister s father wanted Zhu Guangxiao to take a gift of one hundred taels of silver, otherwise there would be no way.
Say.Xu Qi an told Yang Qianhuan about the existence of the unknown warlock, and then asked, Is there something our Si Tianjian is hiding Secret Our Sitianjian Yang Qianhuan asked back with his back.In the night, with the cold wind blowing, the pool full of red lotus swayed like a surging sea of fire, truly beautiful.
Etc.etc.Otherwise, Xu Lingyue would be very embarrassed at this time, and the elder should refuse.Making the case so complicated will only expose more flaws.
Only then did the imperial court realize the seriousness of the matter, and sent me Governor Zhang coughed hard.I m suddenly a little hungry, let s serve some rice.
The more stable Wei Yuan s position and power, the more benefits Xu Qi an reaped.Da Lang.have you written to him asked my aunt. I don t know.I do not know what that means My aunt raised her eyebrows.
Xu Qi an replied a little dullly Yes, yes.Also, are there any monsters hiding here When the deity arrives, mountains of swords and seas of fire will also become paradise.Wei Yuan walked in the imperial garden with Emperor Yuan Jing.
It s time to pick up the guests, and there is an endless stream of guests playing tea circles every day, just to see the beauty.Pass through the air machine.This.the guard said with a wry smile, It takes energy to run through the air blower all night, who can stand it Unless it is a middle rank warrior, or a high rank warrior.
The palace, the imperial garden.The prince invited the second prince, fourth prince, sixth prince, and three princesses to enjoy the snow at the Qingji Pavilion.Oh.She slammed her head on the ship s plank and let out a cry of pain, but she quickly froze.
Two By the way, how is Emperor Yuan Jing s physical condition Three I should be in good health, so why ask this.The three laughed.Xu Qi an took advantage of the situation and asked Why is your lord so friendly today Governor Zhang looked back at the mansion that was no longer visible, and said in a deep voice This Yunzhou should be dominated by Song Buzheng, and he is not in harmony with Yang Chuannan.
If he really has any clues or accurate directions, then it is absolutely impossible.The second one in the back row is not a good person at first glance.
Yang Muhua, the transfer envoy of the Water Transport Yamen who came with him, also brought twenty catchers.Wei Yuan has always been a leader with a high fault tolerance rate for his subordinates, and he didn t really want to pursue him.
The most outrageous thing is, My aunt actually held a wedding for herself in this house.The medicines used are complex and the dosage is very harsh.
Don t look at the face, just look at the body shape, and you will I think this girl is fifteen or sixteen.Disgusting. Du Heng was obviously angry. He was just about to speak out, but unexpectedly, fire started to spray out.
Zhao Qiang, go back first. I ll help you think of a solution and let you know when I have news.That s good. My idea is to let your wife live in our health center, and then we can observe it easily.
He does not think that this matter can be done. He even thinks that this is Wu Shengnan s taking for granted.Not long after, he turned on his computer, pulled up the keyboard, and started typing.
Du Heng would grab him and let him get a storybook, so he could stay with him all afternoon.Situation. The man looked a little stunned. After being called by Wang Juguo, he was stunned for four or five seconds before replying, Are you here to give money Wang Juguo frowned.
As long as the two of them cooperate well, they may become experts in the treatment of gastric cancer.Okay. Don t worry, I m also for my sister in law.
Okay, stop talking, that s your sister in law, not mine.
Wu Buwei was also aware of the difference between the two drugs.The village doctor s name is Wang Shizhen, who is Du Heng s high school classmate.
The patient thought for a moment and thought there was no problem, so he nodded and agreed, Doctor Du, you only prescribed medicine for seven days this time.It recorded the patient s symptoms and multiple rescue procedures in detail.
He gave me a bag of incense ash in front of the Buddha statue and asked me to drink it with water.For example, in the past, there was a very famous therapy in the West called bloodletting therapy.
To put it inappropriately, when you go to the district for a meeting, you can sit in the front row.It was not as casual as when he was at their home. Du Heng asked the two of them to sit on the sofa.
After Du Heng finished speaking, Deng Jia was stunned again, eyes full of disbelief.I just want to ask the dean, should I continue to lower my blood pressure, or should I raise it back up Raise it back up The diastolic blood pressure is 200.
Fortunately, during the college entrance examination, in addition to the police helping, ambulances were also on standby, parked not far from the school gate.Clearly. So, he may have gotten started with cooking, but as for diet therapy, he is still at the stage where he knows what it is and doesn t know why.
Others may not be as good as me. Dong Yuezhang didn t take Du Heng s threat seriously and covered it up.Moreover, all the problems after the accident will be borne by the two of you.
It also shows that there are too many nosy people like me.Du Heng asked doubtfully, Do you always eat it You don t understand.
The last time he knelt down and kowtowed, it left a deep shadow on Du Heng.This was all because of taking these wind removing medicines.
To solve the problem, my brother can t get up now, what do you think we should do He looked Du Heng up and down, Who are you I am the director of the health center.What are you doing now Working as a nurse in Nanhu District Hospital.
That s good. I heard it was a difficult delivery when I came back at noon.Lao Du, you should have some snacks on this. These guys must be liars.
But he soon calmed down. Since the prescription has been prescribed, Wang Shiyuan must have given his wife the medicine.Dean Du, Lawyer Zhou, have you finished talking The dishes have been prepared and will be brought in immediately.
Progress, in one month, has not increased his income, nor has he found a new job or a way out.Congratulations, it s Ximai. One or two Wang Zhenzhen asked nervously.
As for the matter of his teacher s child having his teeth knocked out, it was also abandoned.He wanted to see how the training was going this afternoon.
Introduced by a friend Who I didn t ask in detail. Forget it if you don t ask, Du Heng doesn t care very much.She frowned and asked, You mean those two people asked Mom for money again Yes, This is the third time since you left.
The matter of buying a house cannot be completed today.Just go to work and ask them to sign. After saying that, he turned around and called his colleagues over, We will work on site to find out the truth and return the money that the villagers were defrauded to everyone.
Du Heng didn t understand what they meant. But you have to say, this is A couple.And Teacher Du, you just said that this patient has liver and stomach yin deficiency, so the medicine is not suitable for the disease.
It kills three birds with one stone. However, isn t this situation exactly what Du Heng needs With a good reputation, you don t have to work, and you can get exposed to some interesting cases.
If they are tempted by the vampire secret realm, they will agree.Xu Yang exploded, the Yin Yang Bridge and the Wanyao Cauldron blazed brightly.
With a bang, Yanxue s Dao Gang and the bloody stick shadow collided, and the Dao Gang was shattered immediately, while the stick shadow still had enough strength to meet the giant sword of law.It may be conceived, but it can never be seen on the lower plane, even in the upper three realms, it is extremely rare.
The ancestor of Manao was overjoyed, and said quickly In this case, please leave as soon as possible, sister.If this treasure completely collapses, he will lose a lot.
I am deeply honored to serve him.Although the Huanmo Patriarch said righteously, his expression was Otherwise, he blinked at Xu Yang again and again.Hey It s easy to say, otherwise how can I save my life under the hands of your five emperors Heisha said as he entered the prison cell, he swept a black and white divine light with his hands to fix the eyebrows of the three people inside, and went straight into the sea of consciousness of the three people, intending to refine their souls and comprehend the space channel fluctuation.
It is not easy to find him, and he must be careful of his actions.Huang Di s face was serious.After a moment of contemplation, he said to Heidi The only thing we can do now is to use the broken moon hook You should also withdraw and rest If there is another accident, immediately go to get the Houtu seal.
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.Xu Yang took a cursory look, and couldn t help feeling very heartbroken.
Gu Yan Yuanjun smiled wryly, This old devil entered the depths of the palace and found many healing treasures inside.He didn t want to be attacked by the Gongshu family, but to his surprise, the Gongshu family was peaceful, and no one came to intercept him.
Mo Peng had suffered a lot, so he was naturally impressed.Fairy Tongming waved his hand and said Thanks to the law of fire, I have gained a lot from daily comprehension, but unfortunately since the last time, the law of fire has become silent again, otherwise I can comprehend more mysteries of the law of fire.
It s unbelievable to improve Hearing Master Ziyang s words, Xuan Mingzi and the two turned pale with shock, and quickly said The Master must not have misread it He can t cultivate so fast Master Ziyang shook his head, and said with a positive expression Absolutely right, Junior Brother Cang Ming will not admit his mistake, Xu Yang killed his descendants.
Before she was blinded by the setting sun demon, but she didn t feel anything.The golden light dissipated to reveal a jade book.The whole body of the jade book was composed of the essence of myriad treasures, and the surface was imprinted with mysterious runes.
The crack in the space behind Xu Yang quickly closed, and it was about to close completely.Time flies, and this inheritance imprint is too hidden and no one has ever discovered it.
The bull headed beast roared loudly, grabbed out its hands, its sharp nails soared, and swished at Qin Mengyao.Then Lei Dingtian explained the inside story in detail.
When the power dissipated, the figure of the fifth grade red lotus reappeared.Xu Yang immediately waved the golden lotus and disappeared.
A layer of chaos surrounds himThe color qi is actually a forcible combination of the pure yang true fire, the power of the small world law and the inextinguishable golden bell.It seemed to be a mysterious rune, but it was incomplete due to the limitation of cultivation.
The laws contained in the spirit treasures could temporarily withstand the attack of Xuanwu s laws, so they would not be helpless to fight back.With full cooperation, the two led a group of monks to break through the obstacles, and soon Yin Ji and the others advanced.
Would you like to agree to join hands with them Xu Yang shook his head.Oh The man looked at Mr.Wang carefully for a moment, nodded and said, Yes, there is indeed some resemblance.
Fortunately, the three Yuanying elders stopped Ouyang Ke in time, but in this way, the power of the formation became weaker and weaker.After sizing it up for a while, Lord Gu Yanyuan nodded lightly, It is true that these people can be saved if they are not deeply enchanted, but their foundations have been damaged, and even if they recover, they will not be able to continue to advance.
He was about to mobilize the formation to chase after Xi Moyuan, when suddenly a divine light of all treasures rose in the city, and the movement of the formation was stopped for a while.Under the burst of suction, the entire area of Samsara City was enveloped, and the remaining black figures in the Ghost Forbidden City were sucked into the Dutian Banner again.
It specializes in overcoming evil forces such as devil energy and ghost energy.The three God Transformation Masters looked serious, took out their spirit treasures and ancient treasures, surrounded the blood ghost king and shot with all their strength.
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.