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.
Las cadenas de suministro involucran piezas móviles complejas y dinámicas. Para mantenerse competitivo, debes crear un sistema flexible que pueda adaptarse a las interrupciones, aprovechar
10 estudiantes mexicanos viajarán a China para vivir dos semanas de una experiencia cultural y formativa en el campo de las TIC. Seeds for the Future de Huawei los apoya.
La sostenibilidad no es solo una meta ética. Es una ventaja competitiva.
Lograrla requiere liderazgo, tecnología, colaboración y un compromiso real desde el diseño mismo de la cadena.
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From then on, no one in the Demon Cult dared to think of her.
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Soon Pei Mianman was defeated, begging for mercy one by one good brother, but she didn t understand, the more she begged, the most pleasant charge to the man s ears.After a while, he said disappointedly This guy s funeral objects are too shabby.
Let s say that after Zu an left the stronghold, he ran directly to the outskirts of the city.Zuan nodded secretly, almost consistent with the information he got before Recently What about more time ago Zhang Zitong was a little hesitant, but he still replied Except for the few cases we investigated, the last recorded incident was pushed back to thirty years ago.
Luckily, Zu an was quick witted, and directly used his gale skill to move to the side by tens of feet, only then dodging the wave.Compared with the feeling at that time, the Immortal Palace in front of me is really far behind.
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It turns out that you have hooked up with Yi Yin a long time ago.Zu an smiled slightly Miss Tang, you are still so beautiful after a long time.
After all, there are so many people around him. people who care.However, Mr. Bat went against the grain, and in the end these apprentices couldn t stand it, and joined forces with Mr.
Great Grandmaster Shi Zhentian s pupils narrowed slightly.
This thing can open the door, and if I encounter any accident, I can escape conveniently Lin Haoming explained.The universe was born from chaos, and soon it was divided into three different levels.
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Hearing that he was injured in the battle before, Wang Xuexin always wanted to go to the hospital to see him, but he never did.First, let s fight Yuncheng Not for the city itself, but for the iron and copper of Zhongtiao Mountain and the salt of the salt lake.
Because sometimes they need to build bridges, repair roads, or even clear mines and clear obstacles
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Although it is seven miles, it takes two hours to arrive because it is a mountainous area.If Brother Chu Can you think about it
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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.