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.
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.
Desarrollar, mantener y mejorar la relación cliente-marca es un dilema para los negocios que están sumergidos en una gran cantidad de datos e inmediatez.
La pirámide es un marco simple que ayuda a las organizaciones a argumentar cómo y por qué podrían y deberían cumplir con sus responsabilidades sociales. Intenta equilibrar los intereses propios de las empresas (ganancias) con su objetivo más amplio y virtuoso de ser socialmente responsable.
Coradia iLint es un tren regional que ofrece una alternativa completamente libre de emisiones a los trenes diésel para líneas ferroviarias no electrificadas.
The magic weapons from the mountain peaks were sacrificed, forming a series of defensive peaks to block the flying swords of the sword cultivators.But he was different. As the core sword cultivator Feel Great System | Are supplements necessary? By Rav Malik [bhG0bvA4vBf] - Digital Writing of Sword Intent Chongxiao Pavilion, he had the authority to directly request the Intelligence Department for investigation without having to pay anything.
Especially when he entered the sect s thousand mile range, he found that the sect s cave space barrier disappeared.You need to face the mid level fourth level monsters on your own Lou The great monk explained again.
Without introducing me, what kind of monk would let you entertain me in this way Monk Meng asked when he saw that Wang Changdong did not take the initiative to introduce Li Shiming beside him.Regardless of its power, it is definitely of extremely high Olivia Rodrigo - brutal (Official Video) [YY0a4yFLfY9] - Digital Writing quality.
It s really a good deal. Although a fourth grade Ten Thousand Years Lightning Strike Wood Juice is precious, it is only a resource used by Golden Core monks.This means that there is no great power in the Eastern Qi Continent.
He felt connected with the core of Luo Pan Cave Sky.The distance between him and Brother Ge Guang quickly shortened, and he also deliberately slowed down his space movement for an instant, just to experience the realm of the great monk.
Hey, I just want to discuss my training experience with a few junior sisters.Don t worry, everyone, I m fine. I m fine Ye Fei was a little weak, but he grinned.
Wow, Ning Xin Ning Xin is out. Who is that person So classy.How is this possible Let me send you the talisman and ask.
Three points return to the vitality, and the body is divided into three parts.The man surnamed Zuo shouted, and with a wave of his hand, dozens of large flags rose into the sky to guard the four directions, blocking the atmosphere and preventing the leakage of sound and energy.
She came from the Ziwei Star Territory, so she naturally knew the LAST LONGER IN BED ... [Jehwkih8Pb5] - Digital Writing characters in that place.Qing Ming, the boss of the Thirteen Riders, made no secret of his murderous intention because he already knew that he had killed him.
Ye, I ve heard about your deeds. Actually
Okay, they are all hot blooded men. You don t have to be so polite and just call me Ye Fei.It was buzzing at the moment and seemed to be about to take action at any time.
You lewd thief, what can you say I warned you that you are not allowed to step into my beautiful girl s house again.He was worried about her safety and wanted to clear her name.
People from the Yin Yang Sect Why are you blocking my way Why Plum Blossom Thief stared at the middle aged man in the Yin Yang Water Fire Taoist robes in front of him and shouted coldly.Ye Fei, you can t kill me. My brother is Ye Wushuang.
That kind of contained anger, Extremely scary. Stab At this moment, Ye Fei s palm was like a hook, and he pulled off a large piece of Zi Xiaoyu s dress.Even some strong men of the older generation were unable to avoid it.
There are also the Soul Leaving Realm, the Spirit Gathering Realm, the Transformation Zang Realm, the Divine Zang Realm, etc.Yu Lin s pink face was frosty and she shouted coldly, Last time Jiang Yulang dared to come to the Jade Girl s Gate to propose marriage, which made her ashamed and lost all weightloss fatloss bodyfatloss fitness bestworkout [lzLakDYVMnE] - Digital Writing her face.
Baili Jinyan smiled indifferently, and in a flash, he passed through the red hole and entered Eagle Beak Island, which was protected by a defensive array.Junior Brother Li, come and have dinner together Senior Brother Ma had rested now and greeted him with a smile.
She wanted to give it to the spirit stones, but she HOW TO LOSE WEIGHT FAST NATURALLY AND PERMANENTLY | THE TOP 2 WEIGHT LOSS RECIPES [LwIM8lD1fOT] - Digital Writing heard the news from Tianmu Trading Company that Li Shiming ordered a lot of goods with a large amount of spirit stones, which showed that Li Shiming had no shortage of spirit stones.A large pit with a depth of one meter appeared on the ground, and the vegetation in the area around the pit was reduced to pieces.
He only needs to pay attention to the girl not to wake up, and keep acting normally.It can be said that any place on the body of the corpse is where it stores its spiritual power.
Don t underestimate this mass of insect eggs. The eggs themselves are extremely tiny, but there are over 10,000 of them here.Li Shiming suddenly found that he had fallen into a strange circle again.
This meant that Li Shiming did not take the elixir and relied entirely on himself.He was lucky enough to encounter a space vortex, and he came to Beishu safely.
But within a real large sect, the inheritance of sword cultivators involves the accumulation of material and knowledge.As the previous stall owner said, only the Liu family has spiritual planters in a large area Vydox - Male Enhancement Supplement [sBGpVhG1L4K] - Digital Writing nearby and has spiritual fields for planting.
Juetu Buddha is not even a little bit better than the ordinary half step Arhat.He was becoming more and more curious now, which force was targeting him Is it Xuanming BEST FAT BURNERS - TOP 3 FAT BURNING SUPPLEMENTS !!! [jURbXSDo1j1] - Digital Writing Sect Or has he been exposed recently and been targeted by the Holy Ice Sect Or maybe there is some force in the sect who wants to make money and knows that he has a large number of spiritual stones in his hands He really had a CBD San Gabriel THC [wsLySM8DyDh] - Digital Writing lot on his plate.
He guessed that Li Shiming s identity was probably a monk from afar and was not familiar with this place.That is to say, after meeting Li Shiming, he possesses the Diamond Body Protection Magic that transforms his true meaning, and the Secret Book Before You Walk Out Of My Life (Radio Edit) [NFQyUuj3YCp] - Digital Writing of Sword Demon based on the third grade sword foundation, making his body stronger now than a monk in the Qi Refining Period.
When his soul came to this world, he was already highly vigilant about the unfamiliar world.The clone walked along the secret passage for a certain distance and found that the exit of the secret passage was at the bottom of a river outside the valley.
According to common sense, no matter whether they win the fourth battle or not, Long Yun and others have enough confidence in the battle where Xi Lerong appears now that Taoist Ying Yuan has changed, Long Yun immediately becomes cautious, which seems a little abnormal
Even if it s because Dongfang Wanqing s victory is more clean and tidy, it s more than that.
The magical functions of change hidden in it are not fixed, but change with the situation, with up to 360 kinds of changes.Although she has mastered special techniques, Jiang Minyi is only ranked fourth at most.
When this news came out, several people with more advanced skills in the Nascent Soul Realm here were inexplicably moved.the sect underwent a strange change, and got the chance to get the three beads with special charm.
It has to be at an extremely close range to show its power.Ji Cangsheng nodded slightly and said The confirmed news will come soon.
Yun Wu thought about it for a long time, and finally couldn t hold it any longer.If you can t transcend, naturally you won t be able to exert your strongest power.
All three lists are enough to complete my achievements.Once it landed, its body seemed to penetrate the ground completely, carving out a bottomless underground passage this was clearly Wu Xuanxi s escape method.
Gui Wujiu immediately understood that he no longer needed to communicate with Qin Menglin.Yuan Zun said again When I leave, there is another small item that I want to give to you.
During the long period of more than ten years, due to the internal and external forces here, we could barely maintain the victory with the pressure of the four top Dao realms, and the repulsive force within was particularly strong.Sure enough, after walking only two to three hundred feet, a bronze mirror appeared in front of him.
It is not difficult to feel a hint of casualness and frivolity in these sixteen words, as if they are determined to accept the Zhen Tan Sect.With Jing Ke s profound calculation and meticulous observation ability, he quickly determined that these two people must have been from Hami Mountain.
At first glance, it looks like fine steel and cast iron, with depth and no life.Qin Menglin and Huang Xiyin know Gui Wujiu well and have already seen this level by observing the changes in their weather.
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Master Kong said But together, to concentrate the power on one person
it is not necessarily possible How to concentrate Luo Ruoxi looked over.No matter which realm it is, within twelve hours before the breakthrough is achieved, it can be clearly indicated through an entrusted object.
At that moment, its majestic Dharmakaya and majestic appearance completely reflected the whole world as long as those who are cultivators of Taoism have profound meritorious deeds or have great blessings, their minds are not mysterious, and they can immediately understand Anxious? Here are the Top 5 Jobs for People with Anxiety in 2024! [xtTzUr1UFyQ] - Digital Writing the cause and effect of being blameless and adhering to the deity of the world.
It turns out that Mr. Mood s sword did not really disappear rather, even though it disappeared, while it was being destroyed, there was another skillful sword skill that replenished it in time to defend against foreign enemies.Gui Wujiu conveyed a ray of divine will, and after a few breaths, there was a formation of light in the tower, and the figure of Zheng Dang appeared, and he stepped forward quickly and said, Penis Enlargement Bible Review By John Collins - Natural Penis Enhancement At Home [icbX3H6vvMH] - Digital Writing Senior Brother Mo You is calling, do you have any advice Now, Zheng Dang s expression He is three points younger and his figure looks slimmer.
Feng Qing can also guess a little bit about how people who have not broken through the upper realm master the method of doubling the power he firmly believes that such a method cannot be used infinitely like his own While he was thinking about it, Dongfang Wanqing already said Fellow Taoist Feng Qing, why do you hesitate to patrol It seems more reasonable to start this battle earlier and end it earlier.
Luoquan Sect. A man with big sleeves floating and a solemn expression standing beside the sect s Fengyuan Dojo is the Pingchang Heavenly Master of the Luoquan Sect.
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.