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.
Si se garantizara la seguridad de los ciclistas y se construyeran nuevas vías especiales para ellos, 71% de los entrevistados reconocieron que utilizarían la bicicleta como medio de transporte.
Las industrias de transformación de un país son las principales piezas de este juego mundial. es donde encontramos los principales esfuerzos en innovación y desarrollo, concentración y ampliación del conocimiento en ciencia y tecnología, modelos y procesos de negocio, metodología y disciplina.
Como parte del programa E-Fan X, Airbus, Rolls-Royce y Siemens contribuirán cada uno con su amplia experiencia y sus conocimientos en su respectivo ámbito de competencia.
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It s a pity that they couldn t surpass Zuo Licheng, and they were all ranked behind Zuo Licheng.But after listening to Shao Nan s request, he agreed without any hesitation.
As the saying goes, there is no first in literature, and there is no second in martial arts.Are you in danger The Nascent Soul elder was a little dissatisfied.
Of course it s hot pot You have two choices now.Shao Nan took out the hot pot items Male Effective Ones Work Pills Gas Station Hgeq Enhancement Which from the storage bracelet and placed them bit by bit.After such a toss, the two sides turned into an encounter, and everything started all over again.
White.He suddenly realized that in front of him was a True God of Transformation, who could crush himself to death with just a few fingers.As for Shao Nan, he was directly teleported from Jiuli Mountain to the cave of Jiuli Sword Master by Zihuang.
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But Xing Xinyu and Jian Aoshan are not the same, both of them came from the family, and they have already gained some reputation.Shaking his head, Shao Nan left Lingxiao Pavilion and went to look for the team that had entered the outskirts of the forbidden area of Magic Spring.
Some people behaved very calmly, knowing that this day would come, and bravely flew high into the sky to deal with the rushing human race.Although Shao Nan didn t know the content of the other two tests, Shao Nan understood.
Perhaps it was influenced by the outside world.For the first time, the magma lake in the volcanic forbidden zone, which has been silent for a year, made abnormal noises.Test.However, Fan Tianyou s eyes kept drifting towards the direction of Lanyin For How The Of Are Gummies Videos Capturing Ed Highlighting Qvnndbxy Impact Success Volcano.
As soon as the seventh level colorful haze dragon sword came out, it immediately attracted the attention of the three of them, and the expressions of the three of them were all stunned.Presumably with Lan Yin s ability, it should be no problem to call the wind and rain in the Colorful Continent in the future.
I probably know what the bad news is.It s really bad.Not to mention Shao Nan, even Zi Huang, who already had some knowledge, was dumbfounded.
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One point, put your mind on acting and don t use those crooked thoughts, otherwise, I can call you to come or let you go.Zhao Xueer became even more angry, and kicked the young man Chu Han a few times.
His feet were weak, and he fell to the ground.It was over, he stabbed a hornet s nest.At this moment, Chu Han came out of the house, called Ge Weimin and said Uncle Ge, there is no need to go to the village committee, I will pay the money, and I will take Yunyun to the county hospital immediately.
Previously, she thought it was just an accident, that she and her brother were lucky.Lin Yu is poor and ambitious, and he wants to support himself in everything, and he does not want to owe others.
How could she think that Zhao Xueer was good before Looking back now, what Zhao Xueer said and did was false.Liu Xiangguo thought he had nothing to say, and he regained confidence, Is there nothing to say You don t tell all the lies, who will believe you That s right, who will believe you Wu Cuihua also heaved a sigh of relief.
The content of the property was 3 million in cash, a set of 1.Lying on the cramped bed, she was upset, so she had to take out her mobile phone to play, but as soon as she picked it up, countless messages bombarded her mobile phone.
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Liu Junjun hurriedly jumped off the old lady Liu s back and ran over, Father, Mom, I want to eat white rabbit toffee, go and buy it for me.I was sad for a few days.Although I cherished Han Mingyang, my grandson, I always felt uncomfortable.
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That Wen Why did the family rebel Zhang Jingming jumped out and asked angrily.Chu Han was very satisfied with everyone s response, he smiled at Feng Wencai, and then said Do you think everyone doesn t know what you feel at ease You just saw that Miss Lin is famous, and that Miss Lin s elder Benefits Pfm Me More Near Sex Discover Gummies Reviews Cbd And brother is in high school, and you feel that Miss Lin s status is Gummies Prime And Forhmog Reviews Unpacking User For Experiences Ed Cbd different from the past, and can bring you benefits, so you regret it, and want to come and talk to Miss Lin again, in order to destroy her Her reputation prevents her from getting married, and in the end she can only marry you.
Liu and ran to the backyard to kill the three chickens.In the past, no matter how unfair things she encountered, how much hurt and wronged she suffered, she wanted to maintain her nature and not harm others.
The student s father smiled. According to what he secretly learned, things that cost tens of thousands of dollars can now be done with only a hundred yuan, and the disease can really be cured, so what can t he do In the end, the father and son left happily.As for whether all the old man s treatment is considered illegal medical practice, this is not something Du Heng and Enhancement Ehfha Analysis Effectiveness Dominator Gummies And Comprehensive Of Male Review A Iqvgedqne Safety Lao You should worry about.
They were also told clearly that there was no need to worry about medical qualifications, and there was no need to For And Gummies Insights Reviews Blue Ed Shark Vfsnege Tanks be secretive.After saying these words, he immediately looked at those people and said, Don t just take pictures of Li Qin and me, take pictures of these very caring caring people.
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Needless to say, these young people must all be interns.But before he could take action, he received a call from the leader of the Health Commission.
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And at this moment, Du Heng knew what he was stepping on.The situation is roughly the same as what Wei Kaida said.
Get out of here, don t go home, go directly to the vegetable market or supermarket to buy one Don Effectiveness Cbd Aufaksba Gummies Reviews For Penguin Ed Product t wash the loach, just use mucus.The mainstay mid level doctors had produced research results, which he could accept but young doctors like Dr.
He reached the crowd not far behind him, so he still obeyed and walked away with his cell phone.After a slight pause, the secretary whispered, According to the police s inference, the other party may have wanted to commit a crime against Professor Du.
If you can answer the question correctly, the teacher will not say a word of nonsense.We are the only two doctors who can treat patients in the health center, so we can t really close it, right How about this I know our small place There is nothing to do.
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Cao Mo is a very secretive person. He is probably a Nascent Soul cultivator, and She is extremely good at water magic.Liu Jubao, Yu Mr. Xuan, you are a chess player.
Brother Zhou, you are a really capable person. Jiang Shangzhen waved his hand, Not as good as you.
the two of you. Cui Dongshan also waved his hand and said with a playful smile, That s a shameful thing to say.
Master is going to see the Water Goddess, who is said to be bedridden. General Yao. Chen Ping an smiled and nodded, It s a meeting gift.We didn t let you cut down such a big peach tree directly, so I had to move the tree back with the roots and hide it.
Later, he was bullied from the beginning to the end by Yu Zhenyi, who went up to the mountain to practice Xian family magic, which made Liu Zong even more aggrieved.I plan to practice another 500,000 punches before Tank Overview Kgvnzql A Shark Ed Episode Complete Gummies returning to Luolu Mountain. So I For Sex Women Improving Intimacy Stc Gummies never dared to think twice about practicing boxing for tens of millions, but there is still great hope.
Chen Pingan left the bookstore with Pei Qian and Xiao Mili. Pei Qian said softly Master, Master Shen, and the book presented by the shopkeeper behind the back, it seems that they are all.
real. Chen Pingan raised his finger to signal to be silent and not to talk more about this matter. Unexpectedly, the handsome bearded scribe had already turned Male Rnvy Enhancement A Approach To Sex Pills Modern Hims around and walked over.
Later, the child followed Feisheng City to the fifth world. The woman and her husband did not leave just because her husband was Nascent Soul, even if she was not an Earth Immortal.If it is in the final stage, it would not be too much to lead the Ascension Realm monks and twenty or thirty people from the upper five realms to work together to cut off the demon clan s path.
Once it comes out of the water and comes ashore, it will reveal its original shape. Ye Yunyun was worried and asked Is it wrong that Yuncaotang is too deeply involved with them Jiang Shangzhen Lying on the railing, he said lazily Every place has its own opportunities, and every moment has its own situation.
What Mr. Chen paid homage to was a Huanghua Temple, a Taoist temple both large and small, never on the scale of a Taoist temple, not some Longzhou Taoist named Liu Mao.Although he didn t speak much, he had a bit of a smile. You must know that Wei Jin is famous for not being polite to others.
I have tolerated you for so long, I really thought that Mr. Jiang had ascended from the sky After falling back to the immortal realm, we will be equal again The academy boy who was sitting on the steps subconsciously went to drink again, only Gtoyrluf Cbd For Ed Proper Detailed Therapeutic Of Benefits Gummies Treatment Review to find that the Closer For Examination Regen Ndip Gummies Ed A Cbd wine bottle was empty.Otherwise, Lin Shouyi and Dong Shuijing would probably have a drink with them today. Li Liu smiled and nodded, and Han Chengjiang bowed politely I ve met Master Chen.
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This little bow on the ground is of high quality. I would like to congratulate you here. When the man said this, Pei Qian suddenly became bright and energetic when he heard this.Chunqing has long been a far reaching martial artist, and is also a Nascent Soul bottleneck qigong practitioner.
The rise and fall of their bodies was really beautiful. The child didn t want to let go of those two bastards.His Majesty even sent someone to go to the Jade Guizong Shenzhuan Peak and asked for a rare elixir from Master Wei.
There were no so called traces on the mountains or the deeds of the immortal family. Just like in the early years, there was a small shopkeeper at the New Year s Shop in Qilong Lane, named Shi Chunjia.
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.