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.
Expo Cesvi 2018, como cada año, convocará a todos los participantes en la industria de la reparación automotriz, en especial la reparación por colisión.
Con la actual tendencia tecnológica a la miniaturización, el diseño y construcción de los nanosatélites acelera su paso en México, gracias al talento y entusiasmo de nuevas generaciones.
La compañía mexicana de TI, Intelisis, diseña y realiza soluciones integrales enfocadas a distintas verticales, y la de educación es el ejemplo de tener todo integrado para dar un servicio de calidad internacional.
La tecnología impulsará la industria del transporte aéreo del país y su primera muestra fue en el Aeropuerto Internacional de la Ciudad de México con Leo.
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He is powerful, has many treasures, and has many Nanshan Domains under his command This time it is not just him, the demon god who is comparable to the peak of Lianxu, but also his two brothers, the Tianhua Demon God, Tianteng Demon God and a dozen of the God Transforming Demon Kings are here Over there are people from the Tianyu Ziyun Divine Sect.
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Many immortal cultivators in Zhangzhou live in fear of being dominated by the Cangshan Sect The Cangshan Sect in the past was so powerful and arrogant that it was comparable to the top immortal cultivating forces in the Western Wasteland and the Northern Cold Region.
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Tianjiao s transformation into gods is extraordinary.Now, the value of this glazed flame magic bead is really immeasurable It is worthy of being the treasure left behind by God Lord Liuyan who later achieved the realm of refining the void The Liu Yan Magic Bead is mine, no one can steal it At this moment, Gou Rui of Nether Palace took the lead, with black mist billowing around him, sweeping towards the others, while he moved towards Liu Yan on the high platform in the center of the room.
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Wanghou Aotian, a strong man of the royal family, also sneered You just caught Ma Ruihai s move and thought you were invincible.He is not invulnerable Look, Lu Ziji s face is a little pale, and he is obviously not feeling well Hearing Feng Batian s words, everyone looked over.
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There was a plaque hanging in front of the pavilion Xiongsheng Yaxing.There are also some people whose faces are full of sorrow.
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It was quite a pleasant day eating and drinking. The three of them chatted while eating, talking about recent events in Yanjing City.Su Ye said You can go now. Yaren nodded Then please come with me.
The thirty six swords continued to tremble, making a buzz, buzz sword sound, and then rushed into the sky.Save me, I don t want to die, I don t want to die Chen Yuling screamed in pain, but it was of no use.
A man who has served in the military already has a tall and straight figure, and this suit makes him even more handsome.From now on, the biggest owner of Wangnan Group is Qin Feng
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Du Shixi already there, others don t believe that there can be another one.
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said something about looking down on the warriors of the Dragon Kingdom.In fact, whenever something big happens in the company, Ye Rufeng will be sent abroad, sometimes to other provinces, sometimes even abroad.
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.