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 tecnología será limpia en la medida en que lo sea la fuente de electricidad. Para reducir realmente a cero el nivel de emisiones, los vehículos eléctricos deben funcionar con energías renovables.
10 ventajas de portar una identificación móvil, tanto para la seguridad de las personas como para la optimización de recursos y procesos de los gobiernos.
There are timid monks, and there are monks who are not afraid of heaven and earth.They were all very old but could not break through.
Qingyang was not idle either. He visited all the shops selling high grade materials in Jiuxian City, hoping to see if he could buy some materials for refining the Soul Refining Pill.call for support. Qingyang looked at the movements of the second young master of the Yang family, and was not in a hurry to take action.
His coping methods have become more and more proficient, but there have been no mistakes.Fortunately, he had already trained the second generation of the Yang family, and it would not take long for him to lead the Yang family again.
Lingxu and I are called husband and wife, but in fact we are strangers.Of course, there is another way for monks to improve their cultivation level, which is to directly use spiritual stones to improve their cultivation level.
True Lord Qingyue said I have long been dissatisfied with that True Lord Stone Talisman.Part of Baimei Ghost King s charm skills are innate, and part of them are inherent in the skills she practices.
For Ji Zhenglin, as long as he can collect all the spiritual stones, it will be the same for everyone.I wonder who was secretly supporting him. Looking at the other people on the field, it seemed that The relationship with Fuliu Ghost King is very ordinary, and I have never heard of anyone having a good relationship with him in private.
Qingyang directly helped Mei Qing up and said, Don t worry, since I m here, I will definitely take action.Even after he had his biological daughter Lin Nan, his love for him never diminished at all His adoptive father, Lin Anguo, had said more than once that he and Lin Nan would get married when they grew up.
He paused for a moment and continued Golden elixir monks who clear the Hundred Ghosts Map can seek a position in the City Lord s Mansion.Their strength was the highest among the monks present, and with the power of victory, almost no one on the field could stop them.
Qingyang was a little confused. Wasn t Nanling Mountain Village abandoned long ago What are they going to do Could it be that the village was occupied by evil cultivators again Among the dozen or so Qingfeng Palace disciples, there were three Foundation Establishment monks.After saying that, Xiao Yuhan quickly shouted into the house Husband, look who s coming.
The offensive and defensive changes of both sides will change.There is nothing wrong with letting them go. Moreover, the Ghost King and others are still in a crazy state and must be treated as soon as possible.
Qingyang shook his head and said Since the monster came out of the lake, the vision is probably from the lake.He walked around the treasury, picking and choosing for a long time, and finally found a dark iron rod in the corner of the treasury.
The wife of Master Lingxue, the original leader of the Yuling Sect, Master Huang Ming, has passed away.As early as when the Liu family in the Zhongsha Region was a guest, Qingyang s alchemy skills had already surpassed those of ordinary Alchemy Kings.
She felt that the person in front of her could not be so kind to let her go, and was probably playing this trick, so she said coldly No need to do it.This person is extremely skilled in refining weapons.
Duanmu Fei has lived for more than a hundred years, so he has experienced a lot of life, but when he saw the corpse in front of him, he couldn t help but feel dizzy and almost fell to the ground.After opening the courtyard door, he saw a late stage foundation building monk dressed as a servant standing at the door.
This guy wouldn t look normal, but he was actually a fool, right Just as Qingyang was puzzled, Dou Changzai also discovered something was wrong.What the Big Belly Ghost King said, if there is no essential difference, how can a god forming monk be called a god forming master Baimei Ghost King rolled his eyes.
However, he is only at the fifth level of Yuanying, which is one level lower than the legendary Baimei Ghost King.She is not qualified, so I don t bother to care about her.
According to Thousand Hands Alchemy King, this spiritual treasure was once the object of the ancient powerful Alchemist Tongxiao.
That s why he uses this technique to target the shortcoming of flickering.Do you only have this strength or haven t you appeared yet He never thought that the demon army brought by the Abyss Lord only had this strength, so there was only one possibility.
She is the cousin of Qin Hu s cousin. As soon as Qin Hu dies, the huge family property of the Champion House will naturally fall on this cousin.The order uses individual as the unit because for the dragon, there is no difference between a team and an individual, and their combat effectiveness can be ignored, so escaping alone can allow more players to survive.
Flash It is equivalent to Freya s teleportation after opening the golden realm.Even the dragon s breath cannot instantly turn them into ashes like ordinary enemies.
Neve bit her finger and shed a drop of blood on the spider.Wow A surging sound like a wave reached my ears from a distance.
This also shows that the influence of his butterfly wings is getting bigger and bigger.It would be convenient to help the Xia players, but he did not have the awareness to shoulder this responsibility on himself.
After reading the attributes, you will understand why the more skeleton soldiers, the better.If he is added to it, it is enough to establish the victory the unicorn only needs to weaken the magic and does not need to fight.
The pressure was so amazing that it would even make people forget to breathe.Therefore, all kinds of camp wars inevitably involve major forces behind the scenes.
Zhao Hao stopped when he could see the opponent clearly and was out of the attack range of spells and long range weapons.so close Zhao Hao had to admire the comprehensiveness of these alchemy puppets.
But it was okay. We had agreed on the meeting point and how the loot would be distributed after death, so there was no need to worry about not getting anything after death.Hated defense, vampires attack The two perform their respective duties, and the five bone hounds, which are not high level, can just watch the show on the side.
Step, step Led by the figure bathed in light, the survivors of the Reform Party followed behind and entered the palace through the Gate of Heaven.In other words, it is equivalent to getting a 5000 health shield, and when it is only level 10, the shield will grow with the basic health.
As a summoned object, of course it does not need to be carefully protected like a ghost troop.But what if a person has the talents and abilities of a dragon, and the learning and potential of a human.
Don t be timid, just do it If you win, you will be young in the club
If you win, you will work in the sea. The number of the advancing Storm Legion is not at the same level as before.Using the life for injury strategy, it didn t take long to finish off the remaining five.
Blue Wolf The black bear roared like thunder, swung a heavy war hammer like a battering ram in his hand, and rushed towards the green wolf, who was suppressed by Freya and couldn t take care of himself.Unless the other party can swim back from the sea, it will be impossible to escape.
Kill roared. A guard who wrapped himself in a cloak but still had traces of flames rushed out of the flames.Closing the chat interface, Zhao Hao left Ofer under the leadership of the dog team.
Once he succeeds, he will gain the credit for killing the Pirate King.Of course it s not a problem now. The strength of the golden dragon is naturally much higher than that of the green dragon.
Although his original plan was to use his contribution to obtain some equipment for the Necromancer profession, he naturally changed his mind knowing that there would be a camp war soon and he could exchange it for better equipment then.No matter what the cliff is, it is as fragile as a bubble in front of this behemoth.
But for players like Zhao Hao, the favorability is worth nothing.
It is not meant to help you directly advance. This is enough Tik said decisively.I searched it out from the Duke s brain. No one else knows about it.
He just lay aside and digested the tritium element he had just eaten without any fear or fear.At most, it will only cause strong spatial fluctuations.
Moreover, in the academy, he has to rely on Ivina to navigate the taboo field.The soldiers who looked up to the sky felt their pupils being burned.
If he died on the battlefield, he would receive a generous pension, and his family would also be properly accommodated and assigned to work in the workshop.Linn could feel that after this blow, the remaining strength of the Moon God Diana was weakened by nearly half, which is why she was bound by him so easily.
Harrov asked in a deep voice. Linn thought for a while.The two missiles just came from that direction. Flying here.
Of course, he would not forget that weird thought experiment.As a result, magic theory is still very backward compared to the Arcane Society.
Realizing this, Lin En couldn t help but sigh. The reason why this element controller suddenly went crazy was probably not just because he realized the weirdness and uncertainty of the microscopic realm
He already understood the difference between the realm and the divine realm.It was not like he had become a cripple. Even when he was at his weakest, he could knock out more than a dozen brainwashed people with his fists.
The square iron box made of stone overtook the others and was far behind.Aurora nodded, as she had guessed. The congressmen present suddenly fell into deep thought.
The moment the airship penetrated the magic barrier, several machine guns and electromagnetic guns were already aimed at it.In this way, a necessary matter was solved again. The quartz clock was okay, and he could make it in a few days if he wanted to, but the craftsmanship of the atomic clock was very complicated, and it was definitely not something that could be made with the current level of craftsmanship in the Magic Kingdom.
P They are very familiar with it, it is momentum, the product of the mass and speed of an object The only thing strange is the h.With the help of the high speed brought by supersonic fighters, the speed of the cannon bullets coming out of the barrel can easily exceed five times the speed of sound under the action of inertia In comparison, the Night Demon s huge size is simply a living target.
As soon as these words came out, several people present fell silent.Anthony on the side was even more shocked, this is a bit like the electromagnetic propulsion acceleration method he originally proposed Using the planet as a magnet, a super strong magnetic field is arranged, and the spacecraft continuously accelerates around the planet.
The border lords of Emotion showed no resistance at all and surrendered directly The impact point of the electromagnetic gun is less calculated than that of the artillery gun.The results should be available within three days
Lin En responded to everyone succinctly. In fact, he could directly connect to the magic network through the ring of secret magic, but it was too obvious and could easily make people suspicious, so he combined magic projection with the use of consciousness transmission to develop a small magic, specifically Links for the Leyline.
Everyone usually gathers in the small universe to communicate with each other.This means that the other party has probably not recovered the power of its heyday, otherwise it would have jumped out and competed with her for control of the divine domain End of Chapter Let the Moon Goddess Diana come out Harrov and others in the star battleship naturally heard Ella s roar.
Since the Moon God returned to this world, they have escaped from their original precarious life.After reminding everyone a few words, he floated into the sky and once again strengthened the divine power spreading throughout the foreign land.
Almost as early as the next morning, the large exhibition hall was already full of people.The result is undoubtedly
failed The rope pulled back was broken. After several experiments, they analyzed that all objects entering the space time gate need to withstand a tearing force, as if being drawn into the whirlpool of the sea.
Your safety is equally important, understand. Are you ready Lin En continued to ask.Varok had seen this weird immortal flame before in a foreign land, and it was still fresh in his memory.
watch the show calmly. But Zhao Hao s rich experience made him prepared in advance.It didn t take long for Freya to return to the team after leaving.
Impossible This was the thought of everyone who saw this scene.It seems that our allies plan has been successful Windtalker said decisively.
Being tough was the way to go. Now
her whole person has become like Zhao Hao. Bang Green Wolf There was another wound on the body again.Even in order to get the first bite, many little monsters waved their claws at their fellow creatures, fearing that they would not be able to eat if they took one step at night.
This demonic disaster is a great opportunity. The arrival of countless demons will not only attack the major indigenous forces, but also bring an opportunity.All. He is so nice, I cried to death Looking at the back of the new owner, the soul fire in Alibuda s eyes fluctuated.
Because if you want to get the Shadow Lotus, you have to enter the Pool of Shadows.The trumpet and the orcs are considered allies. After all, Demon Court has always been on the side of the stronghold camp in this camp war, so it is not difficult to use this identity to sneak into the orc side.
In terms of killing efficiency, they were far inferior to the giant dragons that were born for the battlefield.Green Claw rubbed the opponent excitedly and said New here, I am the first dragon you have recruited
As the only three dragons in the territory, Freya is the undisputed boss, both in terms of strength and status.
There may have been other targets before, but after today, there are no other players in his eyes.After solving the target, the tank crew did not take the usual path to leave, but continued to smash the side wall and leave.
Not to mention there are so many Death Gods around.If they stay, they will face this terrifying giant, but they are reluctant to leave.
But now that Valen has directly pulled them out as cannon fodder, the angry dragon will not tolerate it any longer.The meaning of these words is obvious, that is, they have to intervene in this matter, but they cannot intervene.
Now do you understand why he was amazed by the defensive power of the Storm Guard.Battle As soon as it was over, the two archers immediately took out their skinning knives and stepped forward, preparing to do some side business.
Several players holding shields walked in front, followed by those with weapons.Troublesome excuse. It was just such a simple excuse that even several captains under his command were suspicious.
the other side Zhao Hao turned his head and looked diagonally behind him.The princess and Chen Ruoli had known each other since childhood, so they arranged a banquet.
This is certainly not enough to upgrade expert level archery to master level, but it is enough to upgrade advanced artillery skills to expert level.Life is an endless struggle for survival. Just wait, I not only want to survive, but I will also fight back to the capital to settle accounts with you.
Demon Court When he helped them obtain the blood of beasts, the other party owed him a favor.System prompt You have gained 890 experience points You have been promoted to level 3 The system prompts that the level has been directly upgraded to level 3.
Anyone who wants to attack him will be intercepted by these ace level bone hounds first.No wonder there are incidents where demons or undead massacre the city from time to time, it s just Gu Wei.
Kill Several warrior players also reacted and waved their weapons to follow.Especially when Freya swung down the fang dagger with all her strength, this situation was completely normal.
Because the troops can order and prohibit, but the players can t.Well, it was almost like one sword breaks all methods.
The current gold coin reserves of the Storm Territory are only tens of millions.After all, even if it starts with a few hundred damage, even a human shield can t withstand many attacks, let alone a non human shield player.
The figure walked to the attic window and looked out of the way.
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.