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 consumidores en línea alrededor del mundo están comprando en mercados digitales y minoristas internacionales, y dependen más de dispositivos digitales con opciones de entrega alternativas.
El crowdsourcing está redefiniendo la forma en que las empresas manejan las devoluciones, ofreciendo una solución que no solo facilita el proceso para los clientes, sino que también mejora la eficiencia y reduce costos. Al adoptar estas innovaciones, su empresa puede transformar las devoluciones en una ventaja competitiva, incrementando la satisfacción del cliente y fortaleciendo la lealtad a la marca.
Diseñado para que sea sencillo e intuitivo para los clientes, Hitachi IoT Appliance ayuda a los usuarios a lograr rápidamente sus implementaciones de IoT.
Then
Zhang Sheng gave him an appearance fee and dressed him up carefully.After more than ten seconds, Li Yanhong did not answer his question directly.
Stories of lambs, beasts, and hunters are staged every day.When getting off the electric bike, Yuwu continued to hold the horn.
The dormitory fell into an extremely strange silence again, and Jiang Kailong, who was reading a book, poked his head out.Lin Xia pulled her. But she remained unmoved. At this moment
there was an unprecedented noise outside the box. It seems like someone is here
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We didn t watch the documentary Graduation Years badly.But no one could have imagined that the book would actually reach 60,000 words.
After all, from the perspective of fans on the Internet, the show Shining Girls is terrifying in terms of ratings and discussion.In those two months, he didn t get a hundred thousand yuan in royalties.
The national average attendance rate of That Summer was 75 This is an amazing attendance Zhang Sheng looked at the data
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with Ke Zhanyi.He owes us so much money, he can t owe us any more If he doesn t pay back, we will call the police You pulled out my mobile phone information.
Mozi s face was flushed. He clenched his fists angrily.Many programs also invite me to cantharides. The bad thing is like a cantharis, don t remember it, since before our Laixin company, I have locked myself out of the office, there are quite a lot of bait outside on weekdays, I should eat and drink.
The financial tsunami inevitably radiated to China.However, when Xu Shengnan held her hand and led her inside, she felt relieved.
Meng, it doesn t matter what the process is. What s important is that you look at the store
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These things naturally fermented in a dark, damp room, and naturally produced a strange and deadly fragrance.Finally, you arrived at Meng Ying s house again. At the same time
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This world is so unfair
The dormitory leader is handsome and can cause trouble.But if we really want to recover the economy or take advantage of this financial crisis to overtake, we must seize the overseas market.
Outside the village
During this summer vacation, she had almost suffered all the grievances she had suffered in the nineteen years since her birth.Come right over
But you
The cause
Three years ago. My predecessor, Zhang Sheng, went home and stayed for one night.
After putting aside past debts and production costs, RMB 70,000 was already a reasonable price for Nie Xiaoping.He took a deep breath and looked at Zhang Sheng seriously Mr.
As a result, the box office results are quite wrong.He is thinking about the re release of his bad movie Paging 1988.
Zhang Panpan has been at Shengshi Entertainment for three months.But I fell into a trough, confused and hesitant about the future.
China online game circle
Seeing a familiar online name, a memory that had been dead for many years suddenly came to life and attacked Zhang Sheng.Who the bastard said that about his movie Paging 1988 is indeed a bad movie in a sense.
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There was a fire. As soon as the fire was extinguished, all the integrated ceiling colleagues besieged Obon Integrated Ceiling.Then, he looked at Chen Geng Brother Chen, besides these, Apple Cider Vinegar Pills for Weight Loss: 5 Athletes Share Their Competitive Edge in 2025
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But these four disciples were easily killed by Li Yuanba alone, in just a few breaths of time.But once, twice, and three times cannot break this defense, so what about ten times, twenty times, and thirty times The golden corpse and black shield used unimaginable speed to strangely appear in every unimaginable position next to the giant transparent lizard, and dealt it a heavy blow at the same time.
Their job was to build roads across mountains and rivers, build bridges, chop wood for fires, dig ditches and carry water, and build camps.Even the great monk Wang He on the side looked cautious.
Regardless of whether there is evidence or not, Dali Temple will warn the other party that if Li Shiming gets into trouble in Zhongdu before the exam, it will cause trouble for Dali Temple.Although he Nutrisystem Complete 55: A Comprehensive Weight Loss Plan
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practice will be provided according to the most suitable conditions.Fifteen days passed in this way, during which time no monk came to disturb him.
Even the number of monks killed directly by the Thunder Cloud Technique is less than the number of monks killed by thermite.The world of immortality is based on strength. I propose to re organize the rankings based on strength The third child was not afraid of the second child at all, he replied loudly.
In addition, the number of Golden Core monks is extremely large, and the possibility of being attacked is the lowest.Boy, we meet again Elder Ren looked at Li Shiming, thinking about his two daughters.
He emphasized the intimacy and the tone, and the meaning was self evident.It was my golden and bronze armor shield that was my defensive magic weapon.
End of this chapter Chapter 624 Signal Xuanxi Mountains, Li Shiming is checking the formations at the resource points here.Originally, he thought that having the Zhu Yan Dan as the finale of the auction would increase the popularity of Beishu Trading Company s annual auction.
After the battle, the general licked the blood from his hands with some bloodthirsty, and the red in his eyes became deeper and deeper.Like a god from The Benefits and Reliability of Bite CBD Gummies: A Comprehensive Guide (lXYCG)
above, he listened to what the world was doing, because he was the most powerful monk here.
Once the magic weapon formed is destroyed, it is difficult to say how intact the Hell stricken Crystal can be preserved.There were better inheritances. How could he see these inheritances What luck Suddenly he exclaimed in surprise.
The next Nascent Soul Ancestors no longer made any mistakes, they used Dharma attacks one by one, and the Nine Palace Formation moved forward steadily.Everything can be explained. The three villains of the Ping family forcibly occupied this cave in Heding Mountain in order to refine the fourth grade top magic weapon.
The target of Li Qin s 20,000 troops this time was the Yu Dynasty s old enemy on the border, the Liaodong Kingdom.The thunder and lightning sword intent and various spiritual powers poured into Senior Brother Zhao s body, cutting off his vitality in a moment.
Just one point can reach the advanced elixir. The most important thing is that the quality of the three fourth grade intermediate elixirs is exactly the same.If you have any needs, feel free to ask. As long as Wu Qingshan can do it, we What is Hybrid Enhanced Gummies: A Comprehensive Guide (OjmdZ)
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In addition, we are preparing to expand the sect s power to the Eastern Qi continent.The function of storage bags to store items was just a fantasy even in the previous life.
The huge flying boat magic weapon was flying in the air.It s been refined Li Shiming waved his hands with excitement.
The blessing of spiritual thoughts on the Broken Jade Sword made the Broken Jade Sword far more flexible than Du Bingyan s super grade sword type weapon
Although Du Bingyan received intensive training from the Shengbing Sect, he did not receive any spiritual training techniques or some high quality elixir for producing spiritual thoughts.
At the same time, the Rakshasa girl also fell from the sky and threw the three ghosts in front of the stone forest.The number of this kind of spiritual crystals is very small.
As long as you can be shameless, nothing is impossible.Su Ye waved his hand and said The Gongyuan is open, remember to bring back a candidate for the exam.
Su Ye asked curiously When the treasure is born, everyone can grab it.Shopkeeper Rong Didn t I ask you to help me tell him that I would leave for a while Su Ye smiled and joked Some business matters must be handled by me personally.
But it also caused a problem. 70 of the elixirs in the Hell of the Undead world are of Yin and Ming attributes.Su Ye said doubtfully If you can judge the place where the baby was born from the vision, , it should be in the mountains at first glance.
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had an idea What about cultivating it at sea Su Ye really didn t just think about it casually.The power of the utterance spirit lies in the fact that words can be followed by the law and can materialize things.
If you look down from the sky, you will find that the entire land has turned into a spider web.In the competition, they will inevitably compete with each other, and winning or losing will also enhance or reduce the status of their own academy in the hearts of the people of Yanjing City.
The official business has been done, and now comes the private business.Unlike other blind box prices, the final transaction price is uncertain.
When they came to the backyard, Yu Ziya asked Yu Zijin to get some food and wine, and then returned to the front of the hall.Since you show your love to me, I will show my shame.
Secondly, inheritance is a very important thing, and most practitioners attach great importance to it.One sword against a hundred swords, but Feiniaoyou did not fall behind.
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experienced person made a judgment immediately.Of course, this is a bit embarrassing. Although Su Ye has not deliberately cultivated national treasures, Su Ye has always been generous with national treasures.
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this time, a jailer was unconvinced and said Don t you know everything Let me test you again.Aren t you convinced Su Ye immediately raised his head and said, If you re not convinced, let s compete Okay, I want to see what you can do.
To this day, this is what happened in the past. While talking, Ye Ling shook off his storage bag and showed the fire type spiritual grasses and flowers he had picked along the way from Huoyun Ridge to Xishan to all the Nascent Soul old monsters.She only has air coming in and no air coming Freddy Dodge’s Incredible Weight Loss Journey: From 280 to 220 Pounds and the Secrets Behind His Transformation
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to defeat the enemy.Ye Ling smiled slightly, gave them a few bottles of Wishful Transformation Pill, and said calmly From now on, you will not only take care of Zixiao Peak, but the three nearby spiritual mountains will also be under your care Whether I am here or not, the three spiritual mountains and A purple sky peak must be open for me at any time.
They were all galloping with sword light, hating We can t tear the four of them into pieces This time they learned a lesson, and were extremely careful to guard against Ye Ling s Blue Ice Vine Winding Technique.The opportunity of the day As a result, many demon palaces and demon gates practiced demon fire, deceiving the world and stealing names under the banner of being far superior to the old demon You Yan.
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the Qu family was on the altar made of spiritual stones in the palace, frantically absorbing spiritual power, with a look of pain on his face.Lu Binglan, who had always been indifferent, also had a smile on her lips It s nothing, I deserve it Hey, I just don t know how my sister in law Lu Xinmei is okay Wang Shiyuan and Liang Yuzhu comforted She is following the Xianmen brigade.
Ye Clan some spirit beast elixirs, red crystal stones and other materials for refining bows and arrows.Thank God, you have finally been promoted to a level and did not disappoint us.
Yu Qing sighed Hey He is the young patriarch of the Tantai clan of the ancient fishing tribe.We, the Dongyang Sect, will be very grateful If you insist on killing me, please spare your life.
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have been practicing day and night, just to take revenge and regain their homeland The leader of the Golden Crow tribe is standing on the arrow tower, watching the tribesmen practicing their arrows.
Some were on the mountainside of Jinwu Mountain, relying on the cover of the rocks to command a commanding position some were on the boulders on the coast, bending their bows and setting arrows.Judging from the shape, it vaguely looked like lotus petals Hongtang shouted happily We are not very far from the top of the mountain.
Ye Ling asked again Do you know where the other groups of monks from Xishan Prefecture have gone Can the Nanshan Tang Family go as far as they did No Deep in the Tianfeng Gorge, the power of the monsters has become the biggest problem in our trip.Regardless of whether Mu Han is a demon cultivator or an evil cultivator, or how weird his skills are, in their view, in the world of immortality, the strong are respected, and as long as they are strong, they are worthy of respect and admiration.
Treasure competition meeting The poisonous Tianchan girl from Cave No.But don t worry, with me here, you can just rest assured to recover your strength and resume your cultivation as soon as possible.
Ye Ling turned to Zhao Yuanzhen and Xuanqing and asked, Fellow Taoist Xuanqing, I wonder how far your disciples, Suqin and Zishan, have reached in their cultivation Also, where are He Jingsheng and Meng Chang How are they doing readx Xuanqing did not dare to entrust him to his elders, and was very respectful in front of Ye Ling.
all controlled by the Golden Crow Clan Chief. Behind the Jinwu Mountain, Jin Ling er was busy leading the tribe s old, young, women and children to retreat to the Lei Pond.Unexpectedly, these sisters were intimidated by the ninth order giant whale and ran faster than rabbits.
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wind blade slashing at the Demon Sealing Diagram, causing a violent vibration, and finally disappeared.
Lu Binglan saw that although the speed of the golden squid was very fast, it was not as fast as Ye Ling s sixth order demon dragon.He smiled slightly and said, This is a pill that was carefully refined by the ancestor.
The smoke is blocking it. When they come down to look for it, where can they find us The Winged Fire Witch spat Why didn t you tell me earlier Aunt Cheng must have come up with this idea, right You idiot, I think you have lost your mind.The demon made a surprised voice Huh My master has actually reached the golden elixir stage.
Ye Ling accepted their salute calmly and calmly, and saw the unwillingness on the faces of these two old guys, and there was a hint of resentment in their eyes.There are only about twenty foundation building disciples in total.
The fairy palace jade pendant emitted The soft light penetrated the cloud and mist restrictions.The red fire green tailed leopard grinned and shook its head in contentment.
In this process, it was easier for people to absorb the spiritual power of the pill, which also made Ye Ling s cultivation level gradually rise.When the pioneers of the expedition entered the deathly gray fog one after another, Zhou Tongan drove the earth crystal magic ship and rushed to the Demon Saint Palace to support Patriarch Tiandan and Fairy Youyue.
She seemed to regard him as a normal passerby. She smiled and said, This is the boundary of Wuzhou Welcome The Summer of Passion: CBD Gummies for Sex Drive Enthrall Couples in Tokyo, 2025
guests from far away to our Wuzhou Zuihua Manor Wuzhou Zuihua Village Ye Ling was slightly startled, and he finally understood where he was now.
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.