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 plataforma System Platform 2017 de próxima generación establece un nuevo estándar para la excelencia operativa, conciencia situacional e inteligencia accionable, y puede estar basada en cualquier hardware o software sin importar la edad o el fabricante.
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One Stop Before Hu Norton finished speaking, Lin Beichen s voice burst out from the darkness.You can call the dedicated lines of Shenzhao Kingdom to report, and it will be handled properly at that time.
It was similar to what the leaders of the Security Bureau had estimated, and it could affect the entire base.Although they were a little confused, they didn t take it too seriously.
Hao Jianhua patted Lin Beichen on the shoulder. The reason why he broke the previous rules and brought a freshman like Lin Beichen with him was not just because Lin Beichen had a close relationship with the Security Bureau.Call Lin Beichen was not surprised by this result. After all, this was only the first time.
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There was a skeleton sitting cross legged under the bone tree, with a bamboo hat on its head.The two waited for a moment. Many people appeared on the street and surrounded Dali Temple one after another.
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Affirmative. Okay Quan will trust you for once Saint Yueman also took the risk, gritted her teeth and said loudly Everyone listens to the order and dispersed.Seeing that they had no intention of waiting for him, Ye Ling knew that they were testing his strength, so he immediately summoned the Evil Lone Star CBD Dispensary San Antonio Reviews: A Comprehensive Guide (KJQDh)
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After Zhuo Yunhe, Yunfeng and Yun Xi sent Ye Ling away, they set up the sixth order formation flag in this remote ravine and rested quietly, no longer hoping to seek the treasures of heaven, materials and earth in Tianfeng Canyon.Master, please move. Xiao Tao said with wonder. How Much Apple Cider to Lose Weight: A Winter Guide for December 2025 in the USA
Now, a strange look suddenly appeared on Ye Ling s face.
Then the entire crystal boulder opened a long and narrow gap, and instantly split into two halves The crystal coffin floated out in mid air.Xiao Daoyuan was around thirty years old, wearing a nine gong Taoist robe.
The blood dripped in the control of the Winged Fire Witch, floating and spinning, and reflected from Ye Ling s figure the figures of most of the strong men of the Barbarian Bull.It has been 2,600 years since then. As the national power of the Tianlang Kingdom declined, the Wuzhou official government was also extremely chaotic.
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to you, my aunt, let s get out of the city without further delay Ye Ling nodded Miss Qu Er, come with me A group of four people came out of the deep courtyard of the Qu family and saw Deng Tong in the distance above the city.
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After all, there were strong men from the three major forces of Xishan Prefecture, Dongyang Sect, and Luo Wang Sect in Tianfeng Gorge.The sect leader is overly worried He is just a blind cat who has hit a dead mouse.
After everyone finished their work, they all rushed to see Ye Ling.Lin Yusheng was sitting upright, showing off his unique insights into the magical talisman of Caiyan, and talking eloquently.
Yu Zong As soon as Ye Ling said this, the crowd was shocked Jin Ling er and Jin Tumu, siblings, grew up one by one, grinning from ear to ear, and didn t react for a long time.Everyone and everything here had nothing to do with him.
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to dig with his sword and dug out a large hole for more than a hundred feet underground.As it reached the top level, Ye Ling put away the elixir and let the weapon spirit sleep again Nowadays, the spirit of the ancient treasure wind flag is showing signs of awakening.
Qu Rou took Ye Ling s arm and walked out of the courtyard.What will be weakened is the foundation of our Wu Kingdom s world of immortality.
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how many people oppose it, it will not help.Come on, no one can stop you, what a plan Three hundred thousand spiritual stones, you are really willing to spend money Young Master Canglang finally came to his senses, but after all, he was too short of money to bid.
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.