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.
10 estudiantes mexicanos viajarán a China para vivir dos semanas de una experiencia cultural y formativa en el campo de las TIC. Seeds for the Future de Huawei los apoya.
Información disponible en todo momento y lugar, menores costos, mayor fiabilidad y, principalmente, flexibilidad son algunas de las ventajas que brinda la computación en la nube.
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Director Qu, what s going on Do you need help Du Heng slowly walked to Deputy Director Qu and asked in a low voice.So in the next few days, Du Heng and Dr. Xiaobai were not in a hurry.
Nan Nan and I haven t seen each other for a long time, which is weird.My bad luck has disappeared recently, but could it have been transferred to the people around me First, he met Lou Guozhang for the first time.
But when it comes to a medicine that can both strengthen muscles and bones and cure Uncovering The Gummies Ed They Nkhkjaktg Do Work Really Truth diseases, he is really confused about it.It s okay. As soon as Du Heng took off his finger, the twitching amplitude of his right eyelid instantly increased, and the upper and lower eyelids pulling his right eye twitched rapidly, which in turn caused the flesh on the right cheekbone to twitch.
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In addition, we were fully prepared in the early stage and had professional Chinese medicine guidance, so we really shot it.When she saw that the physical therapy room was next door, she sighed and walked in slowly.
Yes, it can be said to be exactly the same. In fact, based on this alone, there will be no problem at all for Teacher Luo Deng to obtain a practitioner certificate.Then you What do you mean The nurse immediately pointed to the camera above her head and said in a suppressed voice, I can t leave here alone.
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Our purpose today is mainly to test Teacher Luo Deng s ability.The grown up child. Now he has grown up, but he is older, less courageous, and has no other skills.
That s definitely okay. I ve been thinking about the combination of ideas and medicines for a whole night.Although.
but.
You should still be polite. Du Heng and the others sneered and took a step back.
The man who is looking at the woman holding her in a virtual hug seems to be limp and limp in the woman s arms.Because he knew what was going on with him. As a doctor of acupuncture and a third year doctoral student, he should have had a definite research direction and made good progress.
In just a few seconds, I saw these little nurses pushing their carts into the ward or into the dispensing room.Rest, you should travel. Du Heng s attention was all on Dr.
Regarding the establishment of the laboratory, the report was submitted before the year, and it was passed after the year.As a designer, Du Heng should have been happy with this news, but when he heard the words zero negative review , he felt slightly unconvinced.
Master Li, you.
Now that Master Li has taken out the medicine, Du Heng plans to have an in depth chat with Master Li.But after all, this pregnant woman has been weak for a long time.
Cao Yuanqing sighed, And the same goes for the medicine Lao Lou uses to treat tumors.Director Wang moved back again, comforted Du Heng with a smile and said, Also, Director Du, you are also an expert in treating tumors, and our hospital s brain surgery and the Department of Neurology at the First Hospital of Shougang University have all started Cooperation, you should have a very good understanding of the characteristics of tumors.
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I will inform you right away. The secretary turned around and prepared to go out.But this time, Wang Pan turned around and shouted, Shut up.
My name is Du Heng. Thank you, Dr. Du. The woman said her thanks sincerely.Having said that, he inadvertently looked back at the two young men behind him.
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I know the older doctor Du Heng, he is the deputy director of the orthopedics department of the hospital, his surname seems to be Qu, and he is also the chief Associate professor at a university medical school.But Du Heng immediately let out a long sigh, and his anger and dissatisfaction completely turned into helplessness.
First of all, this prescription does not really use stimulants.As soon as he heard that Du Heng was leaving, Luo Deng stood up and wanted to say something, but he couldn t.
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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.