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.
Acertar en el uso de herramientas y plataformas tecnológicas hará de nuestros recursos los astros principales capaces de transformar el mercado y encantar al consumidor.
La ciudad de Bad Hersfeld también espera beneficiarse de la prueba PostBOT, ya que se proporcionará un dispositivo a un empleado municipal que distribuye el correo entre las oficinas municipales.
10 ventajas de portar una identificación móvil, tanto para la seguridad de las personas como para la optimización de recursos y procesos de los gobiernos.
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At this time, she also turned her back on the woman with the dagger.But Lin Haoming raised his hand and said, None of you can escape today.
How is it Han Ningxiang looked at Suni who came back and asked.
But before she opened it, Mo Xiang smiled again and said, Brother has one more word before you come, let me bring it to you, sister Song Ya What words Song Ya asked expectantly.place. Accompanied by the golden light, the rock swayed, then became blurred and distorted, and finally I Tried Ageless Peak – Here’s What I Changed Using These Male Enhancement Pills
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With both fists out, like a beast, they slammed towards Lin Xuan fiercely.Those people are five star killers, who can assassinate the Nine Layer Venerable.
Why does the elder need to do it, let me do it, I haven t exercised for a long time, today I just want to play with him.The fourth part is various cultivation methods and secret books, which are suitable for the realm of the venerable.
This moved him deeply. In front of them, those people who came out of the sword house shouted this sentence, and then also froze.However, although he avoided the black flame fireball, he did not avoid the aftermath of that energy.
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Because in the future, he will join the Danzong, and Murong Qingcheng and others are not alchemists, so it is obviously impossible to join the Danzong.In the eye sockets, there are even two balls of black fire beating, and each beating releases an incomparably powerful aura.
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As soon as Qin Xiuwen opened her mouth, many people immediately began to fight for it.A black air came, and a moment later, two ferocious and terrifying monsters appeared.
Lin Haoming was really touched by such a wife, but she was guiding him at this time.Now that she has another relic in hand, Lin Haoming decided to put the merits in the relic first.
Lin Haoming stared at Xie Ruolan carefully, and said earnestly Now she is my wife Lin Haoming s answer made the atmosphere that was not bad at all suddenly freeze, and after a long time he was reborn and said We don t say That s it, why do you come to me, because of tomorrow s battle Do you know who will fight in the Blood Refining Sect Xie Ruolan asked.
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When it entered the mist, it was obvious that wherever it reached, the mist surrounded the light.As for Lin Haoming, the vines were of great help to him.
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At the same time, the two corners of his head also glowed with a layer of black light, and then suddenly two rays of light shot out at the same time.But at this moment, his face darkened again, and he directly sacrificed the Tiansha sword in his hand, and circled around him, and suddenly a tentacle thicker than his thigh fell down in the gray light.
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.