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.
Los minoristas deben conocer la composición demográfica de sus clientes para tomar mejores decisiones sobre publicidad, colocación de productos y diversificación de mercancías.
La participación del ferrocarril en el transporte de carga en México ha crecido de manera continua y ha alcanzado niveles comparables con varios de los grandes sistemas ferroviarios del mundo.
El almacenamiento por contrato combina la rentabilidad del almacenamiento público con servicios mejorados y seguridad exclusiva. Sin embargo, antes de firmar, las organizaciones deben evaluar todas las opciones para asegurarse de que este tipo de almacenamiento cumpla con sus objetivos y prioridades. La elección correcta garantizará la eficiencia y el éxito en las operaciones de su negocio industrial.
He came out and was busy making honey syrup while explaining to Du Heng and others, My wife works in the town and makes reports on the computer every day.Just move forward step by step, okay Director Shi s face suddenly tightened, What are you talking about, Professor Du How are you not qualified enough Who said you are not qualified enough End of Chapter Dr.
The three pulse diagnosing fingers were all placed on the radial bone of the arm.In other words, there are big differences in traditional Chinese medicine pulse diagnosis techniques.
But he was a bit confused about this finger sensor.While standing firm and refusing to give way, they even shouted loudly, Hurry up and agree.
And this pain made it even more difficult for my already injured waist to work hard.If he didn t have money and didn t go, it would be useless if he went.
Du Heng couldn t care cbd indica gummies about anything else at the moment, he just wanted to calm down his anger first.Seeing that the time to detain the suspect was how much cbd for inflammation coming, Captain Zhang suggested it at that time.
Speaking of Captain Zhang, Wu Shengnan suddenly paused, and his expression became gloomy.
he was very sure of getting a spot. But now that he has his own student, everything has become a dream.When the liver blood is sufficient, the mood will be calm on the contrary, when the liver yin is insufficient, the liver fire will arise, and the fire will be strong and wind will arise.
Traditional Chinese medicine is awesome. If you don t accept it, come and argue It s amazing.The love she poured into Du Heng was ten or a hundred times more than that of her elder brother Du Ping.
And as long as there is no deliberate behavior, there will be no The risk of being dug out.However, Dr. Lou, who was under observation, did not even look at Du Heng and the others, and used words that neither of them could understand.
Take three pills out. Tang Jinhan s body continued to twitch, which made Du Heng s feeding process a bit difficult.In modern medicine, the head is the head, and the feet are the feet but in our theory of traditional Chinese medicine, the head must refer to the head Does it mean feet Traditional Chinese medicine is a holistic approach.
Second, let them invest some money best thai restaurant sydney cbd appropriately, and then discuss with the Korean director to add some ads for this upcoming cosmetics in the TV series.Deputy Director Qu s mind went blank. While his hands and feet were shaking unconsciously, he also felt a chill in his crotch.
I think I can vote for it because I feel that this drama is really good.Du Heng was silent for a long time, but Cao Yuanqing on the other side of the phone continued with excitement, Professor Du, after these two days of separation tests, and based on the Chinese herbal medicine toxicity spectrum table given by Academician Sun, we have now analyzed Some of the medicines were used.
But now he was no longer angry. He just hoped that Du Heng could be less angry.The person in front of you is a great expert from the capital.
Okay, okay, there is no need to say this. I thought he was Wang School s father in law.And this problem is divided into difficult to treat.
Seeing that Du Heng had no intention of refusing, Xiao Su cleared his throat and said, My classmate said that he found out that Dr.So as soon as he walked up to Du Heng, Wang Pan burst out laughing and said, Professor Du, our goal has been achieved ahead of schedule.
Xiaobai only frowned slightly, he knew that the girl s body odor should not be serious.He wanted to act like a gentleman, but there was already a faint restlessness in his heart although he deliberately kept his eyes from looking around, the corner of his eye caught everything.
When seeing those different teachers with the same bad face every day, Du Xueting felt the need to contact Du Heng.Later, he learned bee acupuncture therapy and summed up his experience in his work, developing bee acupuncture therapy into a special therapy.
Pushed by her mother, the girl reluctantly sat down opposite Luo Deng, and then threw her arms on the examination table.
A group of people arrived at the edge of Dahuang Mountain at noon, stopped at the side of the official road, tied the horse rope to cbd detox symptoms the how old do you have to be to have cbd tree trunk by the roadside, and after eating dry food, copied a narrow path into the mountain.Although it is said that the book of blood dripping recognizes the Lord, since the old Taoist can give him the mirror, it shows that the blood dripping recognizes the Lord best cbd company is not unchangeable.
He started as a big soldier and accumulated military achievements along the way to become a hundred households.The hair is in a bun, but the material she wears is better than that of ordinary wealthy daughters.
Returning the candlestick to the waiter, and walking out of the inn, there happened to be a team of dozen men passing by.One thing is for sure, the original owner did not have amazing luck at all.
Xu Qi an finished sending, and waited quietly to see what the other party would say.And some of the students are very hardworking, and they also stay up late to study hard.
The eldest princess s hair was combed in a simple and refreshing bun, with a priceless golden step rocker inserted.It is difficult to devote all cbd reader app ipad the manpower to handle other things.
ps This weekend, I woke up, it was one o clock, and I sat up in shock from the dying illness, and turned on the computer to update.By the way, what happened just now I don t know.Song Tingfeng shook his head , looking around and putting on a guard posture, he said in a low charlottes web cbd stock symbol voice Shanhe Temple in Yongzhen suddenly exploded, and a sword energy rushed out of the temple, causing the whole Sangbo to boil like an earthquake.
It s time, I have to go.Xu Nian hesitated, and said Take care of yourself.After being summoned, Brother Chun went up to the seventh floor in one breath.
Everyone showed a thoughtful expression.Xu Qi an talked eloquently Alchemy is a very broad field.Alchemy master three times.Copper skin and iron bone realm once.
The maids left the master bedroom voluntarily, Xu Qi an lifted the brocade quilt embroidered with mandarin ducks, just got in, Fuxiang clung to him, wrapped his hands around his neck, hanging his plump and soft figure On him, in Xu Qi an s ear, he breathed like blue, and said in a tired voice Officer.
Xu Qi an had no choice but to retract his hands and cross them on his chest.Since hereditary succession, in fact, she doesn t have much power in her hands anymore.
There was a brief silence in the carriage.ps In the future, I will write a Guidelines for the Appraisal of Dafeng Huakuniang on the official account.Therefore, the gang of yamen servants in Changle County Yamen didn t know about it yet.
Xu Qi an said his idea.This is impossible, Song Qing directly refused Song is upright and can you take cbd and adderall upright, and will never do such a thing.or I, Xu Dalang, can t lift a knife up.Then you help boil the water.
She did know Xu Xinnian.She used to study at Yunlu deep relief cbd Academy and met a few times.On this day, an interesting thing happened in the hall.
Zhang Shen twisted a chess piece The dean encourages students every year, and he will fail after a vigorous effort.By the way, which courtyard are we going to Zhu Guangxiao, who cherishes words like gold, said.
At the same time, Layman Ziyang used purple jade as a color head, which has a deeper meaning.The girl in the yellow dress pursed her mouth Controlling fire is the ability of an alchemist.
Xu Qi an lowered her head to drink the porridge, and stopped talking.Boom A dull explosion sounded, and the river splashed several feet high.
If there is a reason for the incident, he will help a group within his ability to create a stalwart image of Chen Jinnan, the chief rudder of the Tiandihui.The Sangbo case caused a lot of trouble in the inner city, but people with insufficient status could not get access to relevant information.
What did you say Xu Qi an replied truthfully He said that there was a problem with the Dizong, and he wanted to clean up the sect, so he established the Tiandihui.Xu Qi an didn t want to be slapped to death by the prison officer.
Maybe it s because I haven t read many books, my brother, that I can can cbd help me get pregnant take the edge, be unconventional, and not be imprisoned by Cheng s Neo Confucianism.Your government office took over the case first.Let s communicate with each other.
Zhu Tao turned his head to look at Feng Wencai, and almost couldn t help the anger in his heart to gold class cinema melbourne cbd give him a punch, to teach this dog man who ruined his birthday party and shamed Zhu s family, but thinking of his friendship with Chu Ming, he Still endured it, For the sake of the second son of the Chu family, I won t do anything to you today, but you, Feng Wencai, don t step into my Zhu family alternative to cbd oil again.
Of course, Qi also wants to dominate the world, but it has more ambitions than strength.That s why I was called to serve the young master.It s not that as soon as the young master came in, the madam transferred me to can i use cbd after surgery serve Madam Yu.
Chu Han glanced at him with a smile, waved the flag in his hand, and said softly Your Majesty, take care.If I hadn t passed the exam, hadn t come to the capital to meet my father, and hadn t returned to the Chu family, none of this would have happened.
Zhao Xueer said is cbdmarket legit in fear.Chen Fen followed her words and thought about it, it really is such a thing, those netizens and keyboard warriors are brain dead, believe what others say, never care whether things are true cbd clinic level 4 for sale near me or not, when the time comes Yunshu will put the family affairs in When people say cbd focus pills it outside, those people will definitely believe her words, and they will think that Yunshu has been greatly wronged and help Yunshu to scold Xueer.
Zhuang Xiuniang said I forgot about the newcomer, you stay here and make him a bowl of noodles.Feng glanced at his younger son, whose cheeks were flushed from drinking, and said, Come with me.
Why did she end up with such a heartless, ungrateful and inhuman husband s family When Chu Han went out to fetch water, he was not surprised to hear that Liu Junjun had been beaten and disabled.But it s better to be a person in the past, not to bully Lan Xin so much, and it won t end up like this Brother, you have been abroad all these years, how are you doing In the car, Lan Xin asked with red and swollen eyes.
After returning from Feng Wencai, Cuizhu did not serve Feng so wholeheartedly, but Feng did not notice her change.The name is good.Zhou Chen took out a cigarette, lit it, took a puff, and boasted.
Zhao Ruyue cbd cream skin was sitting inside, talking to Xiao Lian, the smile on her face stagnant, Why is the eldest daughter in law here free today Mother, I m here to ask you go love cbd lubricant for a pattern.The baby will be happy with me too.Lu Xiaoli cried and laughed.
With so much dissatisfaction, she found the original owner more and more distasteful, and was full of resentment towards the Chu family.He didn t expect the military division to have the black fire.
It would be a matter of time before she was caught.Are you related to your parents by blood You are the daughter of your parents, the daughter of the Zhao family.
Zhao Xueer had a grudge against her in her previous life, and she robbed Yunshu of everything.After 2 bedroom apartment melbourne cbd rent a while, both of them felt that it was not enough, Feng Wencai picked her up and went to cbd face oil serum the bed There was a violent storm, and even Linger, who was hiding in the dark outside the courtyard, blushed.
He was telling the truth, but he just wanted to gain Lin Zhilan s trust.Cough, scare me, it s fine.Ms.Yu turned back and said with a smile You have been with me for three years and you have devoted yourself to me.
He pulled out the sword and saw that the blade was extremely sharp.Boss, you are the most awesome host I have ever seen.
Hiding under the pillow, thinking of those two fluffy little rabbits, he smiled and narrowed his eyes.Jiangcheng is a master of games.With him taking you, you don t have to worry about anything.
He seemed to disappear out of thin air, which is very strange.Zhao Xueer said to the group of artists who came to apologize to her before she knew about Xiao Xuwei s message again.
Zhou Chen stared blankly at the slammed car door, how did he do it Immediately after the anger of being provoked emerged in his heart, he got out of the car and grabbed Lan Xin, He is my woman.Kang said anxiously But Sister Yu, are you willing to bear Han er You and Heng er are gone, how can Han er show filial piety to you And we are also reluctant to bear Heng er.
The next day, when Lan Xin arrived at school, the principal called her to the office.
However, it is not every day that a Golden Core makes a fool of himself in the mid term.But she is already in the middle stage aspen green bliss organic full spectrum cbd gummies of Golden Core, and she has become a legendary genius.
If the two of them continued their hatred to the end, Shao Nan would not be burdened.Wow, Only sixty or seventy years old Wouldn t it be possible to conceive a baby in the future It seems that the position of Dao Natural Sect has become stronger.
Finally Missing.Lianzi Shinichi recreated the scene at that time very seriously.Especially in terms of spiritual consciousness, it is far suntree cbd superior to other exercises.
And Lan Yin was teaching the two of them the most basic fire blow dry melbourne cbd control skills.Senior Xinghuo has absolutely no intention of harming the juniors of the sect.
If Shao Nan really knew, with the defensive posture at the beginning, how could he come in without preparation.I best pubs brisbane cbd can t resist the magic sound coming from nowhere.
Isn t this obviously trying to blackmail me Min Haoyan didn cbd gummy t notice group dinner melbourne cbd Master Bengshan at all.Shao Nan had no choice but to go forward and salute.
I ve tried my best to choose an area with few monks.As long as enough spirit stones are paid and enough people are gathered, the test can also be started.
The killing cbd oral pain relief intent in Zhenjun s heart became stronger.Your attack power is already so powerful If it were me, I wouldn t even have that chance My natal talisman can only be upgraded to the seventh level.
No matter what the appearance of Jindan Daoist present, they all started to eat.So much so that up to now, the Qicai Lanlong Sword has never appeared in the Qicai Continent.
To Shao Nan s surprise, at the entrance of his cave, Shao Nan saw Lan Yin with a smile on his face.One attack power is much stronger than Shao cbd dosage dogs Nan s.It s just that they are not as decisive as Shao Nan, or they are extremely confident in their attack power, and they did not speed up the Nascent Soul who was in charge of flying escape.
To be precise, it is a different binding method.Continue to output the power of flames, don t stop.To be continued.Chapter 411 Huge monster Why don t you let us enter the outskirts of the forbidden area of the magic spring I am short of a elixir in refining the elixir.
Must gladly fight.You think does cbd interact with topiramate I can t do it I just want to give it a try.How can it be said that it disappears when it disappears Moreover, there are not dozens of monsters outside the forbidden area of the magic spring, but tens of thousands of them, and even the seventh and eighth level monsters drug interactions with cbd with strength comparable to Nascent Soul and Transformation God Realm, how could they just disappear However, if it wasn t for the disappearance of the prohibition, how to explain the lightening cream in Shao Nan s hand What comes next is the real big problem.
It is absolutely unusual for Dao Natural Sect to hold such a grand alchemy ceremony for a Jindan real person who has just formed an alchemy.The eighteen formations are just to delay time, as if the other party knows that there are not many people who are proficient in formations in the Bibo Huanyue Clan.
Don t say it so harshly.What are you trying to kill I just don t want my culinary secrets to be spread out.Such a terrifying magma rain, even Zhenzun Huashen must pay attention to it, and Zhenjun Yuanying must defend it with all his strength.
Neither Qingyao Zhenyi nor Longxi Zhenyi restrained their aura, they just let others know that the one who came was Huixu Zhenyi.It is rare for Xiaocao er to be reliable once.One balans labs cbd roll-on day ago, he passed the formation of Holy Fire Immortal Lord to Shao Nan, and Shao Nan has studied it many times.
Shao Nan knows the truth of beating a dog in the water.Even Shao biolyfe peppermint cbd oil Nan understands the truth, there is no reason why the Nine Li Sword Master does not understand it.
Shao Nan said without thinking, Wait I seem to know something.
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.