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.
Esto es lo que finalmente impulsa la revolución tecnológica: El desarrollo del conocimiento con nuevo pensamiento crucial es posible utilizando innovación previa.
La mayor atención a temas como la sostenibilidad, el cambio climático y otros problemas ambientales ha cambiado la forma en que muchos consumidores ven sus
Qingyang has long understood the rules of Top CBD Gummies Brands to Watch in 2025 for Pain & Stress the inner courtyard competition.When Qin Ruyan also lifts the restriction, and there is another mid stage Qi Refining monk, the chance of winning will be even greater.
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The black bear monster and the alcoholic bee are two extremes.No matter what they do, they will take the initiative.
Moreover, the more he acted like this, the faster he lost, because he was already at a disadvantage in terms of character.Gradually, he has become stronger than before. The barely coping turned into evenly matched.
The expressions of many Golden Elixir monks nearby changed.During the more than 20 years since his return, Qingyang s injuries had all healed, but he was surrounded by dangers outside.
but what is the use of knowing it Are there few monks in Qingfeng Temple who are stuck in the foundation building stage The key to breakthrough still depends on each person Opportunity.It can be pushed, defended, blocked, protected, retracted, and received.
He quickly stepped back two or three feet to avoid the black light on the soul gathering flag.This is the monk s spell attack. Generally, it can be used after reaching the late stage of opening the pulse.
More than a hundred spiritual stones are not a small amount for a monk in the middle stage of Qi refining.It s cheaper for Yin Yang Sect. After finishing speaking, Elder Wusi looked at Qingyang, nodded and said, You are very good.
Because the materials of the Foundation Establishment Pill are too precious, Qingyang is particularly cautious when refining them.Xiqiu s analysis still makes sense. Lan Yan nodded and said, It makes sense too.
He groaned, and his soul suffered considerable trauma.There is no room for reason in such a big Qingfeng Palace.
Vulnerable. How can you be considered a hero when the How Did Kelly Clarkson Lose Her Weight? Her 2025 Transformation Secrets fifth level of Qi Refining bullies the third level of Qi Refining The monk surnamed Guo said angrily.Before Yuyao Sanren could make a move, the tall and thin man He quickly shouted, I said, I said everything.
But everyone has ambitions. It is impossible that no one in each immortal sect has ever thought of unifying the world of cultivating immortals in Jiuzhou Continent.Since Qingyuan Sanren said this, it means that Qingfeng Palace has some evidence.
The third and fourth level monks are enough. I didn t expect that there would be another one who threw himself into the trap, so we had no choice but to accept them all.At the same time, a powerful spiritual thought locked on him and was walking towards him.
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The drone satellite system is actually very easy to deceive.Together with Li Yuanba, he will become Li Yuanba s servant, and his life and death will depend on Li Yuanba s thoughts.
The defensive power of defensive spells is far inferior to that of defensive magic weapons.Instead, it became more vulnerable to attacks after the body became larger.
Li Yuanba used Chi Chi Tianya and headed towards another goal.After he left the sect, he took the ceremonial boat and flew towards the resource point.
Hearing Li Drachen Male Enhancement on Amazon: A Buyer’s Guide Yuanba s voice now, and thinking about the situation when Patriarch Jian was still alive, many monks couldn t help but have unusual thoughts in their hearts.There is no information required to be kept secret in Jianyi Chongxiao Pavilion.
Every time the great monk Shi Dong With every breath, he would inhale a trace of crystal energy from the lotus in front of him.He had already contacted the original body Li Shiming s natal magic weapon IBMz15, and with the help of his divine eye observation, he instantly found a way to crack the formation of the 512 trial sword lights.
He also knew that Jianyi Chongxiao Pavilion s pursuit would soon arrive, so he found a place he thought was safe to hide.In the past twenty years, Li Yuanba has single handedly improved the overall elixir quality of Yuanying sword cultivators in Sword Intention Chongxiao Pavilion, making all Yuanying sword cultivators qualified to take fourth grade high level elixirs.
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In the other direction, the drone satellite system monitored a vague figure with a wide range.Even if one of him and the great monk Hu Shiming were killed, it would not be as serious as it is now.
Li Shiming took out the fourth grade formation flag and deployed the concealment formation.Let the Heavenly Ghost enter the cave and get rid of the inner demon.
With Jin Zhi Nan Ming s speed, he had time to stop any spiritual beast that appeared anywhere.It was very strange to him that the monk Ding came out to greet him before, but now he didn t even come out to greet him in the cave.
Except for Jianyi Chongxiao Pavilion, all the other seven superpowers have monks who have been poisoned.Its speed was so fast that even the monks in the early stage of foundation building could not catch up.
There was no time for him to activate the life saving jade charm.The probability of a cave like the Half Life Cave Heaven appearing is extremely low.
Li Shiming s unstable aura was obviously caused by his inability to control his aura after being promoted.Brother Hu and several other monks originally wanted Li Shiming to participate in this grand event, but Li Shiming refused.
But this is also the only chance to find out the great monk Luo Pei.Bai Di Sect, you are looking for death Before the other monks could speak, Brother Lou roared angrily.
Instead, he used the sword cultivator s real attack method, sword intent.Look at this smooth movement of spiritual power. There is no problem with the formation.
As long as it leaves here and touches any ground, it can be integrated into the soil.In the same way, the ghost also swallowed up the spiritual mark of the great monk in the library.
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I have doubts
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In a sense, every undead that emerges in the chaos is part of the Lord of the Undead
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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.