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.
Abordar estas cuatro prioridades estratégicas permitirá a los distribuidores enfrentar el futuro con resiliencia y adaptabilidad. La transformación digital, la mejora de la experiencia del cliente, la estrategia de talento y la gestión del clima empresarial son elementos clave para un crecimiento sostenible y el éxito continuo en la industria de la distribución.
Si este año no es la excepción y las ventas se incrementan, es importante estar preparado desde un comienzo, tomando en cuenta los consejos de Microsip.
Escuela de Internet es la única escuela en Latinoamérica en que los alumnos aprenden marketing digital manejando presupuesto real que Google dispone de modo pro-bono para ONG.
El cambio climático es uno de los mayores desafíos de nuestro tiempo, y requiere una respuesta colectiva y urgente. La modificación genética de plantas emerge como una opción atractiva y viable en la lucha contra el cambio climático, ofreciendo la posibilidad de aumentar la capacidad de captura de carbono de manera rentable y sostenible. A medida que la investigación avanza y se exploran nuevas tecnologías, es crucial mantener un enfoque integral y colaborativo para abordar este desafío global y proteger el futuro de nuestro planeta.
Just when his hand was about to reach the back of Xie Jingshan s neck, Xie Jingshan s whole body suddenly CBD Gummies and Stomach Pain: A Comprehensive Guide to Relief (WzaZV)
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Aura and aura. There is mutual adsorption between them.She would absorb all the mixed poisons and turn herself into a highly poisonous versicolor grass.
Smelling it can make it easier for people with high understanding to enter the state of enlightenment.He
immediately formed an elixir and asked Uncle Yu to take him away.
It blooms alone under the tree and sways in the wind.Ning Zhiyuan s protective air mask was filled with thin swords and he frowned.
When Jiang Yuebai discovered that the wine was poisonous, he gave Xie Jingshan and Lu Nanzhi the Divine Talisman and Good Luck and asked them to wait outside the Tie Zhangmen.I just wanted to have some fun. Jing Chujun was a little angry, In your opinion, Experience Great Results with Keto ACV Gummies: Boost Your Weight Loss Journey
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Huaixi s eyes suddenly turned red, and his nose was sore from the heat in Li Jiuchuan s palm.When they arrived at Shanhai Tower, Jiang Yuebai handed Yuan Jing to the appraiser, got a token and a new cloak mask, and was taken to an octagonal building behind Shanhai Tower.
Jiang Yuebai s heart moved. He woke up the male cultivator and asked about the prices of some commonly used elixirs.It had gained a lot of weight and had given birth to more than a dozen third line rats that looked very similar to Ji Xiang.
Just as the three of them got down, a ray of light rushed towards them from outside, it was Hong Chen who was wearing a black robe.Can t live. Also, although it is her external avatar and is completely controlled by her, because of Yu Chen s existence, Jiang Yuebai can feel that the external avatar s personality and preferences are somewhat different from her own.
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call ourselves brother and sister, right Brother Dog Xie Jingshan s eyes widened.At this time, it can also be used to finely control the spiritual thoughts and consciousness, which is very helpful to steal the little magic.
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The two sharks murmured in a low voice, talking in a tone that Jiang Yuebai couldn t understand, looking at her from time to time.Guanghan Sword Lord frowned and moved around in mid air, swinging his sword to kill the skeletons.
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But
Oubang came over. Yes, Boss Meng, why is he like that Are those integrated ceiling people going up there Is he worse Someone is trying to steal customers from him The farce lasted for two full days.In fact, after going back that night, they thought about it in private.
She held her headphones excitedly and stared straight into the recording studio, her head tilted.Then
With lightning speed, the Pheasant Awards Southern California International Film Awards became a hot topic without exception He suppressed his anger and carefully selected a few hot topics and read the content.
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Do you really want to make money I do, but that s not how you make money
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After waking up from the dream, reality made him a little disappointed.
She even tore up the paintings she had drawn and the various story outlines she had carefully prepared one by one
She finally went to a university she didn t like and studied a major she didn t like.I ve lent him a lot of money, and now I m afraid of being borrowed.
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In just a few months, he learned countless things and seemed to have matured a lot.Lin Xia had also heard few stories about Yang Chen.
Ke Zhanyi s mind went blank. midnight. The moonlight is cold. The rental house was still filled with smoke.View from above. Gu Shen was stunned at first, then when I saw Jiang Yong s expression, he frowned slightly, as if he understood something.
Wu Xianyong stood among them and analyzed the situation.He is energetic and dressed in white brocade. He is sipping tea.
Pulses follow one after another, and subsequent pulses travel along the path of the first pulse, going back and forth, and the cycle continues.Although Spy C has not yet come to his senses after seeing such an outrageous scene with his own eyes, he has muscle memory and conditioned reflexes after receiving professional training.
Comments one after another, and then laughed Classmate Lin, since you have the courage to say such things, then you must also have the courage to face the pressure from netizens
Lin Beichen didn t even think about it for a while.The next second, an idea suddenly appeared in his mind, and he thought of a key point
No The number of times has changed Whether it was the failure on the top of the mountain or this failure, it was the second time that failed Does the number of times affect success Lin Beichen didn t know that.
It was a bolt from the blue again. The last time I saw such a strange scene was at the beginning of the school year.Now we have completely mastered the power of palm power, and all side effects have been eliminated.
The color was almost invisible white and was as blue as the ocean No hesitation.To add to the information upstairs, it is indeed what the person above said, but after we gathered around, Lin Beichen left as if nothing happened
They shared this information. Everyone had different opinions.
The child couldn t move or cry out. His little face instantly turned red from suppressing the pain, his expression was extremely distorted, and his body was twisting as hard as How Long Does It Take to Lose Weight on Truvision
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Ever since. Before he could figure it out, he came to the library to try his luck and see if he could expand his understanding by reading relevant books.Although Lin Beichen was in extreme pain at this moment, he was also enjoying the comfort brought by his growing heart Breakthrough Suddenly Lin Beichen felt that the furnace like fire element in his heart seemed to be saturated, and in an instant he reached the third realm of the fire Hendrix Cannabis Infused Gummies - Reviews, Benefits, and Quality
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And just then. Click The door of the large conference room was pushed open
For a moment, the conference room was extremely quiet.Affected by the strong aura of these dozen people, they didn t even think about it for a moment.
However, this did not trouble him. Since these firefighters are not from the Safety Bureau, let the people from the Safety Bureau make them believe in themselves.The energy appears in your body
On one side, Lin Beichen was talking about some of the essentials and experiences he had gained when he understood the state of visualization, and on the other side, others began to follow suit.
Song Xiangdong came back to his senses and said, Wait a moment.This scene confirmed their thoughts he was planning to go up the cliff It s just that Lin Beichen doesn t have any climbing equipment on him.
I don t know when it started to rain outside, and it drizzled, extinguishing the heat.This time the whole building was really on fire. Every window
no matter whether it was in residents homes or in the corridors, billowing smoke was spewing out, and from time to time, clusters of red yellow flames shot out.
Fortunately, he responded quickly enough. Stopped in time.He felt that his whole arm had the feeling of steel and iron bones from his hands to his arms and then to his shoulders.
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Lin Suiwan felt something in her heart, paused and turned around, frowning in confusion, Strange, why do I seem to see
What s wrong, who did you see Lin Suiwan s eyes flashed slightly, It s nothing, let s go, let s go Go find the host of Wuweiguan and inquire
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Where is Jiang Yuebai s formation We ll see you later.Jiang Yuebai saw the flames of war raging and the two armies fighting.
It s not easy for them to do business. They look at me like knives.This improvement is not just a little bit, it even exceeds the normal power of Five Thunder Zhengfa.
Xie Jingshan limped into the medical tent and lay directly on the straw mat.As Xie Jingshan s good friend, she should not be too guarded and get along with him naturally.
He took a few steps to Li Jiuchuan, knelt down, and raised something with both hands.Mo Baichun changed a piece of wood and continued filing, and continued to wait for the destined person to come to his door.
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The violent aura shocked Zhuo Qingfeng and he quickly withdrew his sword to resist.After half a lifetime of fighting, they had the courage to abandon the court to find the road.
How are you going to deal with Lin s side Cai Ren thought for a while and said, Mortal affairs are best solved by mortal rules.You also said that false fame is tiring, so there is no need to bear the burden of apology.
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.