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.
La alianza entre DHL y la Asociación Mexicana para Ventas Online (AMVO) ofrece soluciones de logística a las empresas que participan en comercio online: Garantiza la entrega de los productos en tiempo y forma y desarrolla estrategias para que las empresas participantes maximicen su potencial de venta.
The environment of the cave and the protection of the formation caused the explosion to still be greatly increased.Li Shiming looked at Baili Jinyan s body again, and he thought Adopting a Positive Mindset and Self-Love of Baili Jinyan s torture before.
The knowledge of formations mastered by Master Luo can be described as vast.Mortals are extremely polite to monks. The gap between monks and mortals is so great that a monk can decide the life or death of a mortal with a backhand.
For monks with average talent, they can successfully perform the Spring Breeze Transforming Rain Technique without requiring years of hard work, or three, five, or ten years, and there are even those who have never been able to get started.I have never seen a talent as strong as Baili Jinyan s, and with such accumulation, I still prepared a foundation building pill for myself.
Of course, this was just his feeling. In fact, Gui Yijian didn t make the slightest move, but Yun Xingyi was letting Gui Yijian recognize this body.It was Master Luo who gave accurate information about Mingxin Sect in Northern Shu, which allowed Tianhai Sect to make arrangements in advance.
A strike from the talisman. Thinking of the talisman, he immediately checked it.After cutting through the huge skull, the sword light split into three sword lights.
Not to mention the materials needed to fill a mountain as big as Wanjian Peak, it is to find 10,000 flying swords that contain sword intent.Expelling Objects is a special spell. As long as you are careful to make the fluctuations of spiritual power left behind extremely subtle, they will dissipate quickly and leave almost no traces.
If he drank another cup, he might be promoted to the third level of Qi Refining on the spot.I understand what you mean. Intermediate formation Keto Supplement from Shark Tank: A Comprehensive Review and Analysis masters can apply for mid level spiritual veins at most, just because you need to study formations Uncle Zhuge said while running his fingers on the identity jade plate.
Yin Shilan handed over a talisman in her hand. The pattern on the talisman was not a rune, but the pattern of a bow.This set of Go magic weapons is a trap set by the six fingered sound demon.
The Qi Refining monk from Beishu stepped back and avoided the heavy blow from the Ten Thousand Buddhas Sect monk.When he walked out of the yard, he saw the mess all over the ground.
At the same time, they sent me messages to negotiate with me.If there Inspiration for Others: A Message of Hope are still living monks in the Wei family, they will definitely not believe their eyes when they see the situation at the station.
The improvement of corpse refining is inherently very slow, but this slowness is due to the large amount of resources provided when there are not enough resources.So normally no monk would use it in battle, especially in such a large scale battle.
When the old monk Duyuan landed on the ground, the aura he revealed let him know the other party s realm.The introductory information of the Vajra Body Protection Magic Art flowed through his brain.
The flying boat in his hand is a one man flying boat.Senior Brother Yun is living a really comfortable life in the sect He said with a hint of sarcasm and envy after seeing the situation in the yard clearly.
This is normal. The exercises in the Qi refining period are the lowest ones.He put the entire rock into his storage bag. He called the bronze corpse and directed 6. Lack of Consistency the bronze corpse to dig downward
Using copper corpses to build underground spaces can not only reduce The Benefits of Original Keto Gummies your own troubles, but also exercise your control over the copper corpses.
When Yun Xingyi integrated the sword bone into his right thumb, he also used the Golden Pill and the natal flying sword to do this to his body.
But soon, everyone discovered something was wrong. Can see directly When I saw the God of Yellow Sand, there was no other problem except the sense of danger.Especially with a group of vampires, it can play a great role in attacking or retreating.
If the Golden Valley was being mined, of course they would not dare to agree, but now that work is suspended, how could they not dare.The remaining troops are on standby in the fortress.
Once the level of the natural barrier is high, he does not need to concentrate all his attention to maintain it, allowing him to enter the iron cage while distracted.The risks can be imagined. If it weren t for trusting Feng Liuyun, how could he stand up.
It was completely deliberate. Yeah Zhao Hao nodded.Now that hope is so close, how could Turing miss it.
Just when he was about to open his mouth to ask something, he suddenly had a splitting headache, and a huge flow of information rushed into his mind.They would not be able to make a move. Instead, they were looking forward to the coming killing.
The most tragic thing may be the epic spellcaster His strength is vaguely the User Experience #1: Overcoming Keto Adaptation strongest Age, gender, and genetics among the three epics, but when Freya opens the field and enters the field, the spell effect is directly weakened by 90.Viking savior This title was given specifically to ensure the loyalty of these Vikings.
The archangel s flying speed is only a fraction slower than that of a phoenix of the same level.At the same time, in the past few days, I also figured out Feida s situation from her gestures.
If you don t have it, you have to kneel down. After the formation exploded, the battle was effectively over.Well, it can also be seen from here Understanding WeightWatchers Gummies that Zhao Hao s power has grown.
The three people in front of them definitely can t escape, so the problem is not on the other side.If it were in the underground world and a manticore attacked, the player would be the unlucky one.
When the opponent appears here, it should be that Greenham is preparing to use his repertoire of the oriole behind him.It is indeed extremely in need of manpower. Note that tens of millions refers to development manpower.
Rounds of heavy rain of arrows quickly consumed the Archangel s resurrection technique, causing him to truly die.But if the devil and the undead join forces, it will be a storm that can sweep countless forces, and then it will be another matter.
If we drive slowly to the Viking Sea, even if the speed is greatly increased, it will still take a month or two.This also The Timing and Consumption of Coffee allows it to increase its destructive power to a level far beyond its own life level.
She didn t expect Zhao Hao to have such a good figure, and she didn t know if it was handsomeness is in the eye of the beholder.puff When he transformed and rushed forward, his leg was slashed by the scythe Ansu had just waved, leaving a huge wound.
At the same time, this also shows that he worked hard just now.As soon as they entered the Burial Sand Dunes, they were told the truth about why this place is called a forbidden land.
The one in its infancy was left unattended
Overall, the win is definitely a sure win. The point is not to let the other party escape.If he hadn t been prepared in advance, he might have to pay the price.
As for those dozen red dragons and black dragons At this time, they were destroying the treasure house and had no intention of joining the battle.After all, Fengliuyun is a very strong brand now, with strong combat capabilities, good reputation, and high return on investment.
There is no need to say words like farewell. In about a quarter of an hour, the two of them each set up a Small Four Elephants Formation.Although it was a good story to break through on the same day, it was obvious that Du Niansha had no intention of talking too much about leisurely affairs.
How to distribute it is still left to the decision of the Kelly Clarkson’s Diet Plan Noble Law Association.Gui Wujiu s figure was reflected in it. Gui Wujiu was slightly surprised when he faced the Qi machine.
Mr. Li and Xi Zhenzi looked at each other. Xi Zhenzi s magical powers suddenly turned into tangled threads, criss What are Paula Deen Keto Gummies? crossing into a snare, completely blocking Jiang Minyi s escape route.As long as you and your core subordinates are still there, even if the losses are huge, it will not be difficult to make up for it.
However, its divine intention has already escaped back to the Ziwei Heart through the strange passage formed by the four leaf clover.His aura was subtle, no less than authentic martial arts.
But he can use the second method to launch a general Incorporating Physical Activity attack The most brutal battle in the world of Ziwei is about to come.A clear light appeared. At first, it just appeared from the center of the huge tree trunk, like spring water then this wonderful phenomenon like water, mist and light suddenly appeared.
call A sword cut the ruthless man s attack in half.According to the common sense of succession, this day should be fulfilled when the Demon King Ruixi becomes the Demon Ancestor to succeed him, and when a person who is expected to break through the Dao realm breaks through to succeed the Demon King Ruixi I didn t expect it to come so quickly
What is the plan in his heart is not known to outsiders.
No wonder most people from poor families choose to go to sea, while most of the people who are recruited are from well off families and only seek blood medicine Unlocking the Potential: Apple Cider Vinegar Pills for Weight Loss – Reviews and Analysis at the end of their lives.Within the nine sects, from Zhu Yongchen and Jiang Chenglu down to Pu Fangyu, Xin Ya an, Du Minglun, Ning Zhongliu and other true monarchs, everyone has an inexplicable thought the actions of the ancestors in the past generations will not be done frequently.
It seems that observing the reality of this battle is ultimately illusory.At first it was just the size of an ant, and then its outline gradually became clearer it was clearly a white tiger getting bigger and bigger, running towards it as the bright moon rose.
This is just because it is the first month and it is just a warm up.Yin Yang Dao Master, Dongfang Wanqing, Huang Xiyin and others had already calculated that Chen Yang would not be able to help but take action so they arranged a wonderful method in advance, which Yin Yang Dao Master researched tens of thousands of years ago in order to one day Maneet Chauhan’s 2025 Weight Loss Secrets: 5 Tips for Quick Results confront the Nine Sects.
If Qin Menglin has an unexplainable Taoist name, he can use it to use all the extraordinary methods and forbidden methods in Yin and Yang Dao without being restricted by any negative effects.Countless light beams and threads seem to have gathered infinite mysteries, forming one vortex after another, flowing at the fingertips of Ruan Wenqin Whether it is Yin Yang Tao or Wu Tao, it has a solid foundation and a large scale, and it has taken root in the world of Ziwei Kim Gravel Weight Loss: How She Lost 50 Pounds and Found Her True Self very early.
His speaking attitude was unusually firm, no longer hesitant as before.Mood s level, the final trump card should be so bold.
Wei Qingqi went out of bounds after finishing her work.Fighting closely with this girl, it feels like you are always at the center of the newly created martial domain before long, even if the other party stops taking action, you will become indifferent and no different from an ordinary person who has lost all his cultivation.
As soon as the blow fell, light flowed out, and it was indeed resisted.From then on, the reputation is above us. Mo Tianqing smiled faintly, waved his hand and said Of course I know this it s just that although the Only My Mahayana Sutra It is exquisite, but it cannot achieve the state of near realm in just a few years.
Qingquyu asked in a low voice What s your name Gui Wujiu replied slowly Gui Wujiu.As for the Nine Sect monks and the Golden Core realm, once they understand the wonderful rhyme of seeing the end , they will be on the list in an instant.
Even if Huang Xiyin is great, he has only stepped into the short term cultivation and Taoist state of mind in stages.However, when everyone saw it, in their own imagination, they always felt that there was a very smooth little sword here.
In addition, there is another wonderful change. It should be noted that although the Dragon Clan has a big feud with Gui Wujiu, everyone may not have any hatred towards Gui Wujiu.For fifteen hundred years, all deduction methods will be covered up.
Nowadays, apart from What Makes a Natural Mounjaro Recipe Different? being inferior to the top forces, it can already be called the first rate among the demon clan.At this time, three of our enemies outnumbered three of the enemies, and the remaining four Fusion Realm monks swept the situation, but it was easy.
If the two of them could hold their Qi and exert more than 16 times the double power , of course it would be easy to break the situation but under the current situation, Long Yun and the two could bear all the offensives that appeared at any time.A piece of yellow light, like a ribbon, tied the two people together.
But in their minds, they only thought that this was the last achievement of Shu Shenyun s announcement to retire and practice the secrets of heaven and earth alone even if they really let go and go back, it would probably be twenty or Mechanism of Action thirty years later.If what Xi Lerong just used was really his strongest blow, then Dongfang Wanqing s move was just a poison to quench his thirst but the blow that he had determined by himself was the end of a powerful crossbow and was only slightly better than his opponent s
At this moment, Piao Miao Sect s Taoism has returned to perfection, but he is powerless.
Emperor Is he also an emperor Zhang Xuan s pupils shrank.But while Gui Wujiu was resisting the divine channel technique manifested from the outside, a strange feeling came over him inexplicably it seemed that the Qi and nature of this dome had undergone inexplicable changes.
Immediately, he muttered a few words in his mouth, and when he looked at them vaguely, it seemed to be We will discuss right and wrong after ten thousand years he also left with great determination.At the The Rise of Keto Boost Pills same time, using such a clever method, he suddenly turned the gun and struck back, and he also broke the unique balance trend in that realm.
Under her Boosting Metabolism and Fat Burning magical vision, the polarizing magic that can achieve visual invisibility has no effect.The former can be compensated by the intelligence, while the latter requires external help.
She did not think that the other party was well intentioned and prepared to let her go.Otherwise, if you want to regain all the territories in the Western and Northern Territories in a short period of time, you will have to pull most of the main force of the Parliament over In addition, the maintenance of the railway also needs to allocate manpower to prevent the road section from being damaged by intentional people, causing tragedy of vehicle crashes and fatalities
Unconsciously, the power they can mobilize has become less and less I m afraid the church has become suspicious by testing him so frequently, right Vittorio said with a frown.
In a sense, Artok is just walking faster and farther than them on the journey of magic.His whole person seemed to As if already dead. Linn didn t press any further.
There are also many things that it cannot destroy, such as neutrons, protons, or more microscopic quarks, gluons, etc.This place is very close to the mantle at the Supreme Keto ACV: The Ultimate Apple Cider Vinegar Infused Keto Formula core of the moon, and the surrounding rock walls are made of solid metal.
Aurora s body that was penetrated did not bleed, and her whole body was shattered like a mirror.Let s go, take me to the newly built laboratory to have a look It s enough that there are other people here to look at.
It is something he has never seen before. Unseen pure energy or pure elemental creature
a born legend Lin En already had the idea of running away
PS 4. Expecting Overnight Results I had something to do today, so I posted a little late.Like Step #2: High-Intensity Exercise for Maximum Fat Burning Susan, they experienced the feeling of being taken seriously for the first time.
It has been several months since the last battle in the Holy City.Along with a burst of dazzling thunder, the dazzling white light occupied the entire field of vision, and there was a violent thunder.
Easy to use. It s a pity that we only have Ella as a qualified energy source, otherwise we wouldn t have to How Did Fat Joe Lose Weight? Unpacking His Strategy for 2025’s Weight Loss Trends worry about the troubles in the main world and those damn alien fleets.On that figure. It did take me a lot of effort, but luckily everything went smoothly Vittorio nodded and told everyone about his Collagen protein powder experience in the North.
As the alchemy circle in the thruster was Summation of Sea Moss and FAQs activated, a large amount of magic power was converted into a specific ratio of hydrogen and oxygen, which was poured into the third cylinder and detonated instantly.This is all thanks to the quartz clock developed by Mr.
Water waves and sound waves are both mechanical waves, and their propagation principles are naturally the same.Because this coldness is spreading in his domain, but the expansion speed is very slow, only about one percent of the outside world
The saintess who they had besieged the church before was completely defeated.
Then we can only wait Harrov said regretfully. He understood that the Thunder Wizards had already tried their best and could not force them to go faster.The towering Sky Tower was now entangled Why Fat Accumulates in the Arms with countless vines, as if a huge emerald palace stood in the center of the Holy City.
In the future, the institute would send more people to fully support his ideas.Tell me As of last night, the price of wheat purchased by the Parliament is
one copper coin for ten kilograms the attendant said cautiously.
then will their scientists directly regard time as the third dimension Therefore, many people advocate distinguishing the dimensions of space from the dimensions of time, and simply Expert Opinion: The Verdict on the Keto Diet study the concept of dimensions in mathematics and space.Thinking about it with your feet, you can tell that Master Sanchez must want to win over Glenn, the famous developer of light focusing magic.
That s enough Just as Yasos had found his next target and was about to send him on his way, he sensed a gryphon knight flying towards him from below.Although there had been speculations for a Alcohol and Sugary Beverages long time, after How to Use Pro Max ACV Keto Gummies receiving the confirmation, all the wizards present still felt a little unbelievable.
The high purity hydrogen and oxygen cannot be ignited alone to block the backflow of high temperature gases generated by combustion.Before leaving for the foreign land, Darren heard that the Council was preparing to build solar furnaces in all major cities to provide continuous energy.
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.