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 ciudad de Bad Hersfeld también espera beneficiarse de la prueba PostBOT, ya que se proporcionará un dispositivo a un empleado municipal que distribuye el correo entre las oficinas municipales.
Con los cambios que la ley federal establece, los productores y procesadores de alimentos están en primera línea aceptando una responsabilidad significativa por la inocuidad de los alimentos.
El peor sabotaje que le puedes hacer a tus finanzas es tener gastos hormiga y no ser consciente de ellos. Te recomendamos usar una app: Todos estamos pegados al celular y qué mejor que usarlo para controlar mejor nuestro dinero.
El inventario gestionado por el proveedor VMI es una técnica de gestión de inventario en la que el proveedor/vendedor asume la responsabilidad total de optimizar y mantener el inventario mantenido por un minorista
Do you know that I The clan s strongest fairy zhi, let alone its foundation damage, can still be replaced if your head falls off Shui Hu tilted his head slightly, as if he was thinking.If he does anything wrong, I hope the master will forgive him.
Get out of this world. Jiang Yuebai held Poyun Chong in his hand and couldn t help but raise his head.The memory of being smashed into mud by a monkey revived.
No matter how high the false Yuan Shen is, it will withstand it.Jiang Yuebai scratched his head and laughed. Lu Nazhi shook his head, took out the array plate and set up a soundproof barrier.
Xiao Lu also used the earth evil fire to burn out a wall of fire.Yu Qing er was very anxious. Jiang Yuebai and Xie Jingshan looked at each other and nodded.
Jiang Yuebai heard some movement, followed the sound, and saw two children in the Qi refining stage dragging a paper man.Once she has accumulated enough Chaos Qi, she can start the process of refining Qi and transforming into a god.
Jiang Yuebai took back his thoughts and thought about it, then released the Heyu clone and the puppet clone, as well as Ji Xiang and Xiao Lu.Jiang Elon Musk CBD Gummies Website: Reviews, Benefits, and Reliability
Yuebai smoothly brought the Jade armored Bee Swarm into the Liantai Cave.
I will send you back for treatment now. Ah Tang Weimian looked confused, Li Shenzhi With a flick of his sleeves, he quickly collected the body of the Dragon Tiger Shark at his feet.It is engraved with weird tadpole like characters, which are densely covered throughout the cauldron.
At this moment, among the five Taoist platforms in her Dantian, except for the spirituality of the Water Taoist platform, which was realized by herself and is slightly weaker, the other four Taoist platforms are equally matched.Suddenly, she heard Jiang Yuebai ask, and then looked at Xie Jingshan and Lu Nanzhi, who also had How Do Sex Gummies Work: A Comprehensive Guide to Enhancing Intimacy (ogQTd)
glaring eyes and stood up straight.
As he spoke, Li Jiuchuan stretched out his hand, and spiritual energy overflowed from his palm.This miasma is not poisonous. It will pass if you endure it for a while.
Jiang Yuebai fell softly into Tian Nanxing s arms. Just as he was about to lead people away, Jiang Yuebai in his arms suddenly turned into a white vine with teeth and claws, and quickly wrapped around Tian Nanxing s body.Deep in the grassland, there are towering snow capped mountains, the Buddhist holy land Vajra Terrace is built on the mountains, 10 Groundbreaking Fastest Weight Loss Diet Charts: Unveiling Their Extensive Health Benefits
and the golden domed temples are stacked on top of each other, making them magnificent.
This is also for the sake of fairness and serving the public.An invisible black aura filled the air under her feet.
So if I reach the top of the great road, can I change the rules set by heaven Can I go back to the past and change the fate of others Wen Miao My destiny Stop it Hahaha.Hong Tao laughed and flew his sword downwards. Rushing quickly, we arrived at Hulu Valley, where Wanfa Hall is located.
Now she has forgotten her past and will never embarrass Senior Sister again in the future.Only then did I realize that after the Yuanying Master of the Baiyang Sect, who had flattened Tai Sui with his palm that day, returned, many unlucky things happened that made people laugh or cry.
What s more, he still has hundreds of acres of medicinal fields that he hasn t finished processing, so that s the top priority.Where are you going to take me Jiang Yuebai shouted and saw a leaf carved on the wall of a mine tunnel next to it.
With the help of the Skylark Puppet, she watched from a distance for a moment.Xie Jingshan cried bitterly while holding the wine jar
Why are you dead I haven t even told you that I think you are pretty.
There was no sound The casual cultivators who had just left were stunned and horrified when they saw such a scene.Just after everyone had fled for more than ten miles, Lu Yu suddenly changed his expression, a purple gold divine light flashed in his eyes, and How Long Does It Take to See Weight Loss
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The only sects that can be called major disciples in front of Shuijing Sect are first rank sects, Tianwai Sect, Luoyue Palace, Fenglei Sect, Wuwei Temple, etc.He could even refine the Void Taoist Lord and become a powerful Taoist.
However, if Luo Wenxing wanted to leave, Lu Yu would not agree Just when Luo Wenxing was about to fly away, a biting cold murderous intent enveloped him.I just ask you to be noble CBD Gummies for Hair Growth: Reviews, Science & User Experiences
and show mercy to me, old dragon, who has struggled to cultivate his mind for thousands of years Looking at it The Snake Dragon Ancestor and the Immortal Gu God surrendered and begged for mercy.
He stopped us many times and refused to do anything for his fellow disciples.He could be said to be one of the ancestors of the Cangshan Star s immortal world And that Feng Potian left Cangshan Star thousands of years ago.
The terrifying spiritual power surged and gathered in the Sacred Artifact Tianyuan Pavilion.He actually attacked a member of my Chiyanhu Zhao family.
He had mastered the power of space and expanded his domain to be able to compete with the formation Moreover, Zhao Zhong also has a pseudo sacred weapon on hand Sure enough, the moment Lu Yu finished speaking.This person is the leader of the Western Wilderness Kingdom.
He really came to the right place in the Cangshan Star Cultivation World, otherwise it would never be possible to find such a treasure of fairy medicine in the Emperor Star.Seeing this scene, everyone was shocked and turned pale with horror.
For a moment, his face was uncertain, and he was in a dilemma.For several days, nothing happened, and the matter finally calmed down.
But now, Lu Ziji is so powerful that he suppressed all the Cangshan Star cultivators who came this time.On the streets and alleys, all the major immortal cultivating sects were discussing Lu Ziji s affairs.
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t know if he will be injured Xiang Zhuolong, Baisong and others watched this scene and started discussing.Then he said We want to leave, but it s already too late What Hearing Lu Yu s words, Huo Dingtian and Long Hai were puzzled and surprised.
The chances of fighting for the Heaven and Earth Xuanhuang Fruit among the powerful masters who have refined the realm of Xuhedao will be greater, and the risk will be much smaller After Lu Yu said these words, Gou Rui suddenly realized After all, I was just waiting here to intercept the Heaven and Earth Xuanhuang Fruit, and I just fought against a powerful person.
Lu Yu also wanted to see what was different about the secret realm of Kunlun, which contained the ancient heaven, and whether there were any treasures that caught his eye.The majestic vitality Death He Wenxin shouted loudly In an instant, bright firelight filled the void If you look carefully, this bright fire seems to be outlined with infinitesimal fiery red runes, carrying the aura of law and containing infinite mysteries When you reach the realm of the Mahayana Supreme, you have already passed the realm of being in harmony with the Tao.
After losing an elder who was in charge of the formation, a hole appeared in the airtight thunder net Originally, under the Nine Heavens Thunder Punishment Formation, it was absolutely impossible to escape, but then we would face the power of the Heaven and Earth Thunder Punishment And the people who preside over the formation will not be harmed by the people inside the Nine Heavens Thunder Punishment Formation at all.
Those strange blood colored demonic lights faced off against the brilliance of thousands of Suzaku sacred trees But it didn t hurt Lu Yu If He Wenxin hadn t been vigilant and protected Lu Yu at all times, Wei Li might have succeeded He Wenxin was furious at this time, looked at Kai Li angrily, and yelled Kai Biolabs CBD Gummies - High-Quality CBD Products for Sale Online
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you are tyrannical, you are just a projection of your soul at this time.
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his body.Su Ye took advantage of the situation and charged forward along the mountain road.
Bang The sound of fighting reappeared, and the two weapons collided again.After paying a thousand taels of silver as a price, a well known gentleman in Yanjing City wrote a letter of recommendation for Su Ye.
I need to cut off the clothes to check the situation.question. Li Wencheng s eyes flashed, and after taking a few steps back, he raised his hand and said, I hold a sword in my hand After Li Chengwen spoke, a bright sword appeared in Expert-Approved: 25 Revolutionary Foods to Lose Weight Fast in the Year 2025
his hand and swept forward.
Currently, not to mention Gabion City, the entire Cangshan Nine Cities are out of stock.Su Ye didn t know what Bali Hutong was, but he soon figured it out.
I will prepare delicious food for you in advance. Eat slowly and remember not to eat it all at once.The compressed concoction failed. Is it because the medicinal properties of Hidden Flowers in Jade are not enough, or is the medicinal properties of Hidden Flowers in Jade too strong Remedy is necessary, and the problem lies in two reasons, requiring completely different elixirs.
Therefore, Su Ye suspected that this guy was the mastermind behind this.Yin energy protects the body This is the ability Su Ye gained after using the Taiyin Holy Water to complete the foundation building.
The treasures in the Hell of the Undead world may not be valuable in the wild world.
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.