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.
na cantidad excesiva de reuniones podría afectar la productividad de cualquier trabajador, hay que aprender a planificarlas, realizarlas de la mejor manera y únicamente cuando sea necesario.
Aunque todavía hay una probabilidad baja de guerras comerciales, vale la pena observar de cerca las decisiones en cuanto a la política, y las respuestas internacionales que generen, para estar atentos a las señales de escalada.
Diseñado para que sea sencillo e intuitivo para los clientes, Hitachi IoT Appliance ayuda a los usuarios a lograr rápidamente sus implementaciones de IoT.
As soon as they left the police station, they were surrounded by reporters.The word is engraved on the forehead. Can CBD Gummies Help with Diabetes: A Comprehensive Review (Sgeib)
At this time, one of the agents took a moment to ask Lin Beichen, that golden arc
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As if
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The reason why that special area is special is because the Feng Shui there is even more special Feng Shui is caused by the aura.It was really scary just now Who said it wasn t I thought I was going to explain it here today Actually, now that I think about it, the turbulence of the plane is just that, mainly because it looks so scary outside Yes, look at it even now
As the lightning strikes down, my neck is still tight and I feel uncomfortable all over
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is no basis for generating electricity in the scientific sense, breaking away from science, using human power to control thunder and lightning, this only exists in legends, I didn t expect that anyone could actually achieve this method Song Xiangdong had already been concerned about this result.
Okay. Wang Kai nodded, although he was worried about Lin Beichen.The only one who can shoot
is the man in the suit At this time, the man in the suit was half kneeling on the ground, pointing his gun at Lin Beichen.
Jiang Yuebai s words made Lu Nanzhi fall silent, and put herself in her shoes, if she was in a group fight in the mine tunnel, the sword If you can t use it, even if you fight to the death, how many times can you win The more she thought about it, the more she felt sorry for Jiang Yuebai, wondering how she had survived all these years.
Going all the way deep, Jiang Yuebai was pushed into a dark mine tunnel by Peng Sanyang.We are outsiders and we don t fight for territory. There is no conflict.
There is no step to penetrate the Five Elements Bridge in Five Elements Returning True Gong.After the contract was concluded, Tao Fengnian put away the jade talisman.
Most of the ordinary monks are not willing to spend more spiritual stones to set up formations because they are lucky.I regret that I have lost seven years that should have been with you.
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The fingers of my left hand were injured several times day after day, causing pain all night long.The eldest elder, Kong Huaide, is in the late stage of Yuanying cultivation.
I, Xie Jingshan, am not a romantic person. I originally didn t plan to find a Taoist companion.Realistic and confident , is also brave enough to dare to fight for opportunities, which is good.
If you are too greedy, you will lose your life. Return this sentence to me.Song Zhiang s face turned pale and he felt guilty and ashamed.
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Her beautiful eyes flowed, and she looked up at Qin Feng above I believe him.As soon as Mr. Bai sat down, it meant that the birthday banquet was about to begin.
Today s so called arrest , led by Qiu Qiming, is deliberately targeting us.Wu Mian had already come out and sat at Hydroxycut Weight Loss Gummies Reviews: College Students’ Guide to Effective Weight Loss
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Qin Chuan opened the document bag and took out the paper inside.If I know that you are using her, I will never let you go As if he was afraid that Qin Feng thought she was joking, Du Qingyue clenched her fists fiercely and held her back.
Dai glanced at her Don t forget, this is the exchange condition for you to be a pianist in the world.What he said must be what he thought. So as soon as these words came Emperor’s Vigor Tonic Review – Is This Male Enhancement Formula Even Worth Your Money?
out, everyone in Xinlongmen was stunned He actually doesn t like him at all Xuanyuan Feng seemed to be completely unable to see their expressions, but bared his teeth at Qin Feng and said, My brother gave it to me.
He also helps, so I m good if he s not exhausted. Qin Feng touched his nose in embarrassment You can work harder if you can.It was also at that time that Fan Zhenhai, who was only eight years old, discovered Liu Si buried deep under the ruins.
Su Peipei subconsciously took a few steps back under the protection of her bodyguards.Old Han, do you think this dragon master is crazy Why do he still fight when he knows he has been poisoned Du Bangyan was anxious, and his attitude towards Qin Feng was completely different from before As long as he chooses not to fight , even if Fan Bangyan still wants to stumble, we can still take him away.
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I was seriously injured. When Yuanying escaped, I could only hide the other half of the map Zhong Qiang said here, took out a jade slip, marked the location in his memory and handed it to Li Shiming.Uncle Song s eyes narrowed slightly. She grabbed the storage bag and scanned it with her spiritual thoughts.
Not long after he left the mountain gate, the three great elders also walked out of the mountain gate.Originally, he was thinking of using the Taichu Baoding to refine a furnace of fourth grade elixir.
Ancestor Jian murmured softly, as if he was telling something.After the two monks of the Hao family were killed last time, no monks came to the market.
During these three days of practice, he found that the four luminous stones on the soul gathering plate were a little darker.Since the formation masters at the Golden Core stage cannot use the fourth grade formation materials to refine the fourth grade formation plates, it is better for the Nascent Soul monks to ask the formation masters at the Nascent Soul stage to take action.
In fact, he also knew in his heart that this was the reality.Since Old Ancestor Zhan has communicated with Old Ancestor Ge, he naturally tells the truth.
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It happened that Ancestor Ge invited Li Shiming to come over, and he flew to the mountain peak where Ancestor Ge was.Fortunately, it is already a third grade great demon, so it does not need feathers or even wings to fly, as it can float in the air.
His consciousness entered the two top grade fourth grade flying swords, and used his powerful spirit to annihilate the spiritual imprints inside.
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.