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.
El Internet Industrial de las Cosas (IIOT) ha irrumpido como una fuerza transformadora. El gasto global en plataformas IIOT se ha disparado, pasando de 1.700
Este conjunto de servicios abarca toda la cadena de valor, desde las instalaciones de recepción a las de fabricación, hasta la distribución final a los usuarios.
En esta temporada alta, los minoristas deben estar preparados para enfrentar el desafío de los paquetes perdidos con estrategias efectivas. Implementar soluciones como el seguimiento detallado de pedidos, la cadena de custodia fotográfica, y opciones de entrega seguras puede minimizar el impacto financiero y mantener la fidelidad del cliente.
Con iPads en las cabinas de mando, los pilotos tienen de primera mano las actualizaciones en los aplicativos encaminados a potencializar las labores a bordo.
Therefore, Du Heng immediately decided to induce vomiting, but during the process of inducing vomiting, he had to be particularly careful and always pay attention to the woman not to choke.Even if she knew how to perform these operations, didn t she ever think that she could complete these operations independently Delivery and induction of labor were Exploring Gummies for ED Treatment: A Comprehensive Review acceptable.
After saying that, Du Heng was about to write a prescription.You still drink Drink, drink every day for the past few days.
Because the time Liao Quansheng mentioned happened to be when Wang Shuqiu stopped giving money to her family.Then I ll do it. By the way, this guy lost a lot of blood, please give him some fluids.
Wang Shizhen turned around and resigned. The medicine cabinet will show you.Although Wang Zeyang was a little quieter now, he still kept talking incoherently, and would struggle from Why Winstrol Should Not Be Your First Choice for Fat Loss time to time.
Moreover, the drug combination he summarized on Li Qiuhua also needs to be verified.Song Jiaying had already given him 10,000 yuan, which was only a few thousand yuan.
In the afternoon, the pain became more obvious. Why does it hurt Does it always hurt in one place, or does the whole head hurt Why do I see that when you are knocking, your head is full of knocks.We must ensure that mother and child are safe. Huo Yinhua seemed to have obtained a secret treasure, and 2025 Guide: How Apple Cider Vinegar Can Help You Lose 20 Pounds she almost jumped with excitement.
Don t be impatient, old man. I ll do a follow up check up for you after this course of treatment is finished, which is half a month.After he finished writing the prescription, he started to check it from scratch again, not only looking at the combination of medicines, but also the dosage.
Then, without disturbing Xu Pinglin, he directly took Yang Yuansheng back.The yellow areas are also very difficult to clean, so let s not do it.
You take your wife back now, and we ll start boiling the medicine.Laughing, Also, I want to tell you, most of the people hospitalized here are patients with cerebral hemorrhage and heart disease.
Closing the book, he carefully observed and checked the woman s condition.How old am I, and I also have a bachelor s degree. I can just squeeze my junior doctors.
It s almost Acxion Weight Loss Pills: Understanding the Benefits and Risks July now, and the weather is getting hotter and hotter, but Wangjiazui s geographical location makes it particularly comfortable.Wang Shizhen appeared at the door of the kitchen wearing an apron.
In fact, logically speaking, Du Heng should be angry with Wang Zhenzhen.
The energy supply is useless. Then Dean, do you still want to use Chinese medicine for treatment Yes, I am still going to use Chinese medicine for treatment.He had to Elite Extreme Male Enhancement: Ingredients and Effectiveness video chat with Du Heng. He also asked Du Heng to go outside with his phone and let her take a look at the scenery over there.
Du did not talk nonsense or exaggerate. Especially if you read the messages carefully, everyone seems not to have bad words towards Dr.A whole floor, how could it not be spacious On the way, Du Ping kept talking to his sister in law Zhang Sumei, asking her not to Ultimate List of Apple Cider Vinegar Substitutes You Need to Try be too nervous, not to talk nonsense after entering the house, and not to embarrass Du Heng.
If it is too much, your waist will not be able to bear it.Du Heng took a deep breath. He couldn t describe the embarrassment of the photo, but there was another thing that he had to ask clearly, Director Zheng, did the TV station communicate with you before the program was broadcast Director Zheng was stunned for a moment, Yes.
If the views of a master of traditional Chinese medicine are not relevant, then the title of master of traditional Chinese medicine is too worthless.We have already contacted the people at the blood center, and they can test it immediately after you send it there.
At noon, you will come up with a treatment opinion, and I will report it to the Health Commission and the Municipal Bureau according to your treatment opinion.At this time, he also smiled and got up and took Du Heng Veronvy Review: Is It Right For You? to the ward.
Du Heng hesitated to speak, but finally shook his head and said, What Drink Apple Cider Vinegar for Weight Loss: 2025 Ultimate Guide good things are you thinking about It s other things.https Looking at the two people leaving, Du Heng turned back and glanced at Kang Zhirong behind him, Xiao Kang, don t just focus on the camera, you are still my assistant.
It is false and sensational to say that you use traditional Chinese medicine to treat cancer.Come over. Looking at the pink baby in front Full Body CBD Gummies for ED: Detailed Review of him, Du Heng couldn t help but smile.
Therefore, the original prescription remains unchanged and three more doses are continued.But this is the reality. There is really nothing you can do against these shameless people.
The heavy truth is the inner truth. With so many symptoms combined, the patient clearly has internal heat syndrome, so where does the theory of wind syndrome come from.Such a Sheryl Underwood Weight Loss: Unveiling Her Success Secrets big head on your shoulders only exists for breathing Everyone looked at it thoughtfully.
Tingting, look, I didn t lie to you. The forums in our school are full of photos of your brother in law.Shouldn t this show sincerity Du Heng curled his lips directly, To show sincerity, it should be What does the Maximum Keto Gummies on Shark Tank: A Thorough Analysis sincerity shown in the obstetrics department have to do with your critical care pediatric department That twin boss was not a patient in your department before.
If it s cured, it s because of my Science CBD Gummies for ED Treatment high medical skills.But once aconite is used out of the norm, it will only Sixty grams can be used to make the top.
After all, in the past two weeks, all the people who came to see him were old men and old ladies.Seeing Wei Kaida s mysterious look, Du Heng couldn t help but take a closer look at Wei Kaida, and this look, It really made him see something.
What Du Heng is doing now is to replicate the glory of the seniors in their hospital.It might even become a laughing stock, so wouldn t all your early efforts be in vain Professor Zhang, can I see the films taken Regen CBD Gummies for ED Reviews: An Honest Look at Their Claims by the patient Yes, of course, they were taken yesterday and the day before yesterday.
After packing his things, Du Heng drove out of the hospital, but instead of looking for From Belly Fat to Flat Stomach: Foods That Burn Belly Fat 2025 Wu Shengnan today, he went to find Wei Kaida.It also contained my latest issue, a paper on the treatment of stroke paralysis.
Du Heng nodded slowly, Then what happened after your examination Shark Tank Keto One: A Breakthrough in Weight Loss Solutions What is the conclusion No results have been obtained The three looked at each other again.After being sent to the clinic, Du Heng didn t even have time to ask the woman to change the bed.
This situation is unimaginable for women and children in the city.As soon as the call was connected, Li Qin began to apologize and became much more polite Semaglutide Pills for Weight Loss: Are They Effective? in his address.
Pediatrics is different from other departments. In ancient times, this department was called a mute department.Several times. At that time, not to mention preserving fertility, even being able to save one s life was a question.
Some people regard him as a god and walk the earth as a spokesperson.I wish you all your wishes will come true. Qiu Pingzhen didn t just say it, he actually found a good taxi place and got there.
Let him help Xiao Cao take a look, maybe he can find the answer.Du Heng saw all the patient s expressions, and he thought, this female patient has a really bad temper.
He s like an empty headed idiot, Du Heng stopped for a moment in his inspection, and after careful observation, he found that the jump was not from the navel to the Guanyuan point, but from the Guanyuan point and rushed upward.Jin Juan turned around and left angrily, but when she arrived at the door of Director Wu s daughter in law s The Ultimate Showdown: Fusion Keto Gummies vs Traditional Weight Loss Supplements ward, she hesitated.
By the way, you just said that the topic you were integrating was about stroke Yes, just this topic.Now he couldn t open his mouth to ask Du Heng to stay and take charge of this project.
Meow Suddenly , he heard Qingyue s meowing.The door is unlocked.At noon There was half an hour of rest time, and the three of them planned to go back to the yamen to talk.
Holding the bright moon and picking the stars, there is no one like me in the world.This is the legendary love for Magnum Male Enhancement: User Reviews and Results a long time No, no, I have to neglect her for a few days, and change the oiran tomorrow.
After the Sangbo case, he admitted that Xu Qi an was a talent worth cultivating.That is a supreme treasure that is unparalleled in defense, even a fifth rank martial artist would never want to break through it easily.
She was a talented person who could transform the daughter of Jiaofangsi.A strange thing happened in the village.The daughter in law of a certain family turned into a corpse after she died.
Looking around to make sure that there was no one around, he found a secluded corner and tore off a page in the magic book , which recorded a leaf s blinding method.Yunzhou s army is extremely ferocious, they make trouble whenever Keto XP as Seen on Shark Tank: Examining Its Exposure and Effects they want, and they are not afraid of death at all.
After hearing Xu Qi an s words, the Jin Luos looked at Hengyuan questioningly.It s not that Princess Lin an has a high status in his heart, but that mounting is too noisy, the emperor s harem is not big, and Science CBD Gummies 300mg for ED: The Science of High Dosage and Impact novelties like chicken essence will spread to Lin an sooner or later.
I am lurking in the capital and obeying orders.I don t know anything else.Not to mention No Gym? No Problem: How to Lose 4 Pounds a Week Without Exercise how uncomfortable it is.The Sangbo Case To Sun Shangshu He was mocking me for being stupid, mocking me for shooting myself in the foot.
The other golden gongs are not much different.Looking at this kid, twelve days is obviously not the limit.txt 8 0 8 0.Li Miaozhen showed a bit of a woman s posture, and gave him a fierce look.
You are not afraid of losing your reputation when you get into my carriage under the eyes of everyone Yang Chuannan frowned.And it is Members of the Tiandihui, therefore, all three of them are possible.
It s that kind A row of beds.He turned his head Exploring BioPure Keto Gummies: A Star’s Secret to Slimming Down and looked to the left, Song Tingfeng was facing him.It s Xu Qi an.Wei Yuan said gently.Xu Qi an This answer made the four Jin Gong dare to be surprised and unbelievable.
At three o clock in the morning, Xu Qi an rode on his beloved little mare, which would never get stuck in traffic, and briskly rushed to the Sitianjian.But Sitian There are still drawbacks to the prison s qi watching technique, you.
After lunch, Governor Zhang, Yang Chuannan, Boost CBD Gummies for ED: Evaluating Their Potential to Enhance Sexual Performance and Song Changfu, headed by the three big bosses, accompanied by more than ten senior Yunzhou officials, exchanged their thoughts after the inspection in the box of the restaurant.Song Tingfeng shook his head.Xu Qi an said Some careless words confused me.
She is both beautiful and seductive.Her Evaluating the Effectiveness of CBD Gummies for ED Through Reviews face is white , like ice crystals carved with no blemishes, the nose line is straight and beautiful, the lips are plump, and when the eyes are closed, the staggered eyelashes are as thick as a brush.Immediately, several ministers Seconded.Emperor Yuan Jing glanced at Wei Yuan who had pleaded guilty, and said in a deep voice, This case will be handed over to the Ministry of Criminal Affairs Dali Siqing and the government office to jointly handle it.
The post station.What, Song Buzheng is dead Xu Qi an, who heard the news, widened his eyes in shock.Emperor Yuan Jing pondered for a moment, then looked at the eunuch beside him.
Wei Yuan opened the jar and sniffed Sniff, frown suddenly.The handwriting is beautiful, it s a letter from sister Lingyue.
Who The man guarding the gate noticed the black robed man, and while yelling loudly, he drew out a standard knife.Governor Zhang Say.Your Excellency is amazing. Ren and Hubenwei cast admiring gazes.I don t know why, Governor Zhang actually felt a sense of elation, that kind of feeling is not useless after all, and this Kevin James Weight Loss: Diet and Exercise Tips That Actually Worked official is also a dragon and phoenix among people, how can Xu Ningyan stand out from the crowd, and the sense of refreshment arises spontaneously.
How did you tell the teacher The teacher has lived for 500 years, but he still hasn t lived enough, and he has to borrow another 500 years from the sky.
Dajiaochang, the barracks of the former city defenders.The two sides chased each other, fighting constantly in the process, and gradually moved away from the crowd.
Later, for some reason, he gave up his identity as a tomb keeper and established a family in Xiangzhou.Amitabha, put down the butcher knife Jing Xin put his palms together and recited in a low voice.
Compared with the past, Chai Xian seems to have had a lot of vicissitudes.What a magic weapon Everyone looked enviously, Liu Hongmian seemed to think of something, and asked, That s right, what is Xu Yinluo s weapon.
Fairy.The maids are ashamed of themselves, the servants have dry mouths and hot eyes.It took only a quarter of an hour for the two to meet outside the North City Gate.
Ren Qian came back to her senses softly, her brows were erected, she grabbed the shawl on the table and shook her hand.The middle aged monk in the main formation took the opportunity to turn around, injecting Qi into the wooden stick, driving the stick to rotate several times with his whole body, and smashed heavily on the head of the man with Lemon Balm for Weight Loss: 2025 Guide to Unlocking Its Full Potential the mace.
But as GoKeto Shark Tank: Reviews and Effectiveness Analysis soon as there was a disturbance, the patrol team members at the bottom of the rivers and lakes immediately felt half hearted.Do you have a way Tell me, tell me Li Miaozhen passed the letter excitedly.
A group of people in black cloaks came to Dajiaochang and knocked on the door.The woman is worthy of being an actress, her eyes and tone are sincere and innocent, and there is no trace of guilt.
With a clear face, Xu Qi an has seen Shenshu s appearance, and confirmed that he is not in it.Then he answered Jingxin, The poor monk can only guide the dragon s energy.
He was very cautious, considering that the incident had already passed overnight, and Blue Raspberry Gummies: Delicious and Effective the Buddhist gate and Tianji Palace probably knew the news, so he didn t rush in.People from Leizhou looked disdainful.At this time, the picture changed.
Such a situation was within her expectation.Because of the local Jianghu forces in Leizhou, she has come into contact with many believers who once longed to escape into Buddhism.Seeing this scene, Ji Xuan nodded No worse than me.
I want more.Desire personality Xu Qi an s heart Shark Tank ACV Keto Gummies Reviews: 55 People’s Path to Achieving Their Ideal Weight moved, and he had a vague guess.Raising his hand, he chattered to Duan Shengzi at the right time, frowned and said, What s the relationship between the two You have to experience love first, then you can think about it.
This is the courtyard of Chai Jianyuan s second son.She leaned against the pool wall, her eyes blurred.
Before he left, what did he say to her Or what did he promise The eldest daughter of the emperor, who was as beautiful as a lotus flower, frowned.Today, the three sects of Heaven, Earth and Man are the ones who are in charge of the Taoism, and the rest are small schools.
But before that, Yunzhou might take the lead, and the imperial court was ready.Under the skin, a blue black blood vessel network protrudes.
But it doesn t matter, as long as Xiaolan is still with me, I can abandon the past.
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.