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.
Información disponible en todo momento y lugar, menores costos, mayor fiabilidad y, principalmente, flexibilidad son algunas de las ventajas que brinda la computación en la nube.
La necesidad de proteger la información es cada vez más importante, por ello es siempre necesario hacer una reflexión para tomar conciencia de los posibles riesgos a los que nos enfrentaremos.
Con herramientas de inteligencia artificial, los tutores obtienen capacidades como predecir la calificación que obtendrá un estudiante o caracterizar su comportamiento de aprendizaje, esto es, una disminución en su carga de trabajo».
Therefore, if you want to mix into the Bibo Huanyue Clan, you don t have any illusion skills, and you will be exposed immediately.Even more quietly, he integrated the Colorful Lanlong Sword into the trapped formation, ready to be called at any time.
With Fan Tianyou s strength, even though his voice was small, he could still hear it.Of course, as a monk, if you don t even have this confidence, then you don t need to practice immortality.
What do you mean It seems that you need to open up two dantians in a row.This time Lan Yuanzhou was ignored again, and almost everyone s eyes were on the three of Shaonan.
Again, it s such a simple logo.It is the pride of this team.Although Dao Natural Sect has a relatively rich collection of books compared to other Left Dao sects.
As for the impact of today s test, it is not a matter of Qingyan Zhenzun s concern.Not a single member of the Bibo Huanyue Clan knew how the previous Bibo Huanyue Clan bullied the human race.
Shao Nan finally decided that he had to rush back to the Colorful Continent as soon as possible, and he absolutely couldn t let the Bibo Huanyue Clan continue to develop.Haha Xiao Fengzi, look, brother is here this time.You have nothing to say, right Lan Yuanzhou hooked his fingers provocatively at Ju Feng downstairs.
Therefore, increasing the attack power of one s own flames can also be regarded as a category of fire control techniques, and Xiaocao er s proposal is to increase the attack power of flames.After scanning around, he didn t find anything worth noting, so Shao Nan began to study the next sword technique to practice.
However, just the day before yesterday, Xiaocaoer suddenly modified the refining method of the Seven colored Misty Dragon Sword, which is even more famous, combining some methods and refining techniques from the fairy world.If someone can be Revitalize Your Journey Uy5r Menopause Tea For Weight Loss Uncovered successful, why can t I The disciple must do his best Shao Nan bowed again.
Lan Yin said clearly, pretending to be mysterious.Immediately, he took out the formation plate and formation flag refined by Shao Nan, and began to set up restrictions to isolate the spiritual consciousness from viewing.Shouldn t the magma be full of K Keto Shark 3ue Tank What To Expect manic fire attribute aura How can it be so mixed Could it be Thinking of this, Shao Nan was overjoyed, and went downstream a little faster.
However, Shao Nan resisted for more than 300 days and nights without making a sound.Anyway, don t do it for nothing.They are quite generous.
Although Lan Yuanzhou usually looks foolish, Lan Yuanzhou, who is good at communicating with people, has a lot of secret information.Wow, it turned out to be Wuling Fenghuo.Oh my God I actually saw Wuling Fenghuo in my lifetime.
And because of its particularity.Many people are discouraged.After all, everyone has their own cards.If you really fight desperately, the outcome is unpredictable.
However, before the two continued to communicate, they sensed that Lan Yuanzhou and the others had returned.Shao Nan knew the route, so he decided to be a pioneer and lead the way for everyone.
However, Xiaocao er s proposal forced Shao Nan to leave the cave that had just been closed to find Lan Yin.Originally, Shao Nan thought that he had been with swordsmanship all his life, but he didn t expect that in a short period of time, he would first get the inheritance of the Dayan Golden Immortal Formation, and now he would have to Covid Guidelines 9a5 practice illusion.
I think so too.Shao Nan squeezed a sword formula in his hand, ready to attack.However, Shao Nan thought it might be some monk passing by at first, so he just paid more attention.
Shao Nan s intentional power burst Unlocking The Secrets To Charles Barkleys Weight Loss 7rv Journey out at this moment.But Shao Nan did not act rashly.Instead, after waiting for more than ten days, I finally met a Jindan real person who was alone, and came to the vicinity.
He is born with a certain ability to control the flame.The meteor hammer was blown away, completely beyond Biao s expectation.
Shao Nan still has a sense of Achieve Pounds Weight Loss In Pt55audi6 Weeks Success Tips belonging to the Dao Natural Sect.Xinghuo Shinichi, Zihong Shinichi, and Cangyan Shinichi, the three powerful ah returning Shinichi stood in three different directions, secretly forming a formation, surrounding the lava at the center of the volcano.
An Xiaoshan, what are you thinking You only have the foundation building Dzogchen realm, and you broke through in advance with the help of others.Otherwise, the gang With a comprehension level of 40 to 50 , the kid can t exert too much power of the formation.
It seems that I am the first person from this sect to come to Jinxingfang City.However, after thousands of failures, two possible reasons were finally found.
Whenever there was a disturbance, he thought it was the Three Kingdoms.It s easy to find Duo Ke restaurant, just in On the busiest street in Fucheng, the restaurant is very large, three Melissa Mccarthy Weight Loss 4ckox7 Pound Transformation Journey times the size of ordinary restaurants, very grand.
This kind of mind for the country and the people is really admirable, and it is worth learning from each of us.Liu Xiangguo ignored them, walked out of the main room, took a stick Vibez Keto Feel The Positive Vibes Of Ie1s Ketosis with a thick wrist in the yard, and went out angrily to find someone to settle accounts.
Old lady, you have to be reasonable En Keto Diet For Weight Loss C4m73t5 Ntw in what you say.What qualifications do she have to bear children for the royal family Dirty royal blood Of course, Duke Rong would not be so stupid as to have to kill Su Shi in front of Chu Kuan.
How could we believe what someone like him said Feng Wencai s mouth was full of dung, it almost stained my ears.He is gentle and Shark Keto Gummies Your Weight Loss Solution For The Holidays Ypakp2 polite, and he is very popular.Most importantly, his family background is also very good.
Zhu Qi was furious, Chu Ming, you are a coward, you don t keep your promise, I don t want to talk to you anymore.
For the next few hours, the sky was still dark, and from time to time dull drum sounds could be heard in the sky.Ruan Xiu said angrily It s really annoying for scholars, all the truth in the world has been explained to them Ruan Qiong said earnestly Xiuxiu, this is not the reason Wynonna Judds Weight Loss Journey How The Country Star Shed 8pba Pounds In At why you don t like reading.
The strength in the girl s hand immediately weakened a lot, and she felt that all the strength in her body was following the movement in the town.It is like looking at a farmer who relies on the sky for his livelihood, squatting on the barren ridges of fields that have been cracked during the dry season, looking up at the scorching sun.
The child became more and more confused, and suddenly heard the old man yelling, Get up The child stood up instinctively and remained motionless.Qi Jingchun specially read the Buddhist scriptures for this and even deduced a terrible consequence. The more than 6,000 Melissa Mccarthys Gyl7snf44 Weight Loss Chronicle Strategies Struggles And Successes people in the town will be killed.
The road, because it generally follows the direction of the stream, otherwise the mountain road would be difficult to travel, and Li Baoping would not be able to keep up at all.As soon as Lin Shou took the silver gourd, he raised his head and took a sip. His face turned red instantly. The pampered young man had fair skin.
Don t be shy, and you will miss it in vain. What a blessing. The woman s body stiffened slightly, most of her body was still under the bed, and her expression could not be seen clearly.Until now, Lu Zhengchun still didn t understand why these high ranking nobles looked at Liu Xianyang with admiration.
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Song Jixin made a face and said Then the difference is only ten clay bottles. Alley The young man threw a bag to his maid, Look, this is the copper coin mentioned in the secret letter.Staggering like a drunken drunkard. Chen Ping an stood there, scratching his head. Apparently he felt a little outrageous. Ning Yao had a dark face and said in a deep voice Come again After three times, Chen Ping an had improved slightly, but Ning Yao s face was as gloomy as if there was going to be a heavy rain.
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.