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.
El flujo de migrantes calificados ha contribuido a un ligero descenso en el promedio total del índice de este año. Es la primera vez que se ha reducido el promedio general del índice desde la primera edición en 2012.
Hoy, en un mundo repleto de ofertas de marcas y servicios, querrás darle valor a tu producto ofreciendo un trato cercano y personalizado y lo mejor de todo, es que puedes comenzar a hacerlo desde hoy.
¿Buscas llevar tu empresa a los niveles de eficiencia y productividad que necesita para seguir desarrollándose? En ese caso, la nube puede ser tu mejor aliado.
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in addition to the person he killed, there are still five people missing.Xingyu has no grievances, and it is impossible to target her.
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Zhao Hao is also very concerned about this. Because the master of gods and monsters really cares about his appearance.Ready to shoot followed his command. Among the tree crowns on the gentle slope on the left side of the canyon passage, figures appeared out of thin air on the originally empty branches.
The normal price is at least a few million contributions.Even if someone had heard of him, they wouldn t think they would fail.
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Of course, he also needs to go out to practice. After ten years of practice, he has made great progress in both spiritual power and sword intent.The dignified Monk Ge Guang, in a round of two thousand energy flying sword attacks containing the great monk s Sword Intent, only
After holding on for more than three hundred sticks, he died in the battle.
The sword intention used by the sword cultivator who was made into a puppet cannot Compared to its heyday.Because Li Shiming was special, she discovered it when Li Shiming arrived.
It is too far away from the Dayue Mountains. Once they are counterattacked, the Yuqing Sect on the other side of the Dayue Mountains will Lei Xiu was too late to provide support.The Qian Ren Zong probably never thought that Li Yuanba, the prey, would suddenly transform into a hunter and successfully invade the Qian Ren Zong s cave.
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This allowed Yunxiao and his team of early stage Nascent Soul sword cultivators to gain a lot of trophies, and also increased their net worth considerably.A single clone is much stronger than a top monk. A powerful clone can leave the cave, and the combat power of the clone depends on the power injected into it.
He even regrets why he thought of shooting Li Yuanba first.
Gray Beard also smiled and said Hahahaha, I have the same idea.Its potential is limited, and the possibility of advancement is even smaller
Thinking of this, Qingyang asked Has there been a Nascent Soul stage monster in this Wulongtan before Master Heyi shook his head and said No, I have never heard of it before.
To use the teleportation array, you need to take protection in advance.His strength is actually not much worse than his own.
Unexpectedly, they were not lucky enough. They encountered a group of forest beasts.However, Zhenjun Chiye has been practicing for a long time, and his magic weapon has been nurtured by him for three to four hundred years.
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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.