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 cuenta regresiva de movilidad eléctrica ha comenzado: 2020 podría representar el punto de este cambio. Volkswagen acelera hacia la nueva era con la nueva generación de vehículos eléctricos innovadores.
Cada decodificador tiene contenido educativo almacenado precargado y 5GB de internet que mensualmente serán recargados para uso y consumo de los contenidos del programa Hogar Conectado.
Las casas pequeñas son populares entre los millennials, pero ¿puede la misma tendencia cambiar al sector de almacenes? Logistic Management informa que el estándar en
Du Heng frowned when he heard what his sister in law said last night.To be honest, it was too hot. You deserve it. Hey, thanks, brother. You re giving me this just to thank me What are you doing Thank you for coming Female Bodhisattva, I feel uncomfortable thinking about it, and you signed my name on it, which makes me mad.
Shenqu is replaced by Bupleurum, and strengthening the spleen Keto Hot Dog Chili Recipe 4 Simple Ways to Lose Weight Without Exercise in 2025 and stomach is replaced by soothing the liver and relieving depression.After several days of treatment, the patient s previous condition has been greatly improved, especially the symptoms of being unable to close his eyes, crooked mouth, and stiff tongue.
During the rest of the morning, Du Heng and Yu Haiting took the initiative to undertake all the treatment work, leaving all their time to Wu Buwei and Xiao Li.After graduation, it was difficult for college students, especially medical students, to find jobs in the city, so his father asked him to come back to take over and continue to be a village doctor.
what are you doing Du Heng dodged an oncoming car and started cautiously again.Taking the stethoscope, Du Heng moved the stethoscope head over the mother s abdomen, finally stopping at a place, holding his breath and listening carefully for a few seconds.
Buwei, please watch carefully and don t let him move around and drop the needle.Now there s cancer of the lesser curvature of the stomach, and they still have to do the final homework.
At the same time as the attack, information about the wizard system appeared in the minds of the two Yinluos.This father in law has a faction, most of which is the party of the Ministry of Rites.
The bright candlelight dispelled the darkness, but could not penetrate the haze in people s hearts.I know.Three They are too guilty, whether it was the panic when they first saw us, or whatever I asked for later, they satisfied without complaint.
Immediately afterwards, it began to snow heavily.This is the first snow after the spring festival, and there are many.Xu Qi an had just joined the watchman, and in the Wenxinguan test, he successfully attracted the attention of his adoptive father.
In addition, the original 10 00 am The chapter of the book will definitely be postponed.The ledger is real, but there is something wrong with it that leads us to point the finger at the real culprits.
When he devoured the spiritual accumulation of ancient gods and demons, and his energy and blood Blue Gummy Male Enhancement BioLife CBD Gummies for ED: In-Depth Review advanced by leaps and bounds, his primordial spirit was not tempered.Jingzhe, your master is possessed by a demon.Qishan Immortal said at the side, she also came forward to help Meng Jingzhe deal with Jing and Jianzun.
Meng Jingzhe wanted to read on, but suddenly saw Ye Shenglan in another piece of information conveyed by his consciousness.Li Miaozhen glanced at the distance and continued to fight Shenshu and Buddha looked away, and Ultimate Guide: How Kelly Clarkson’s Gummies Helped Her Lose Weight How Much Does Phd Weight Loss Cost said with a sneer, I went to Leizhou this time to stop you, not for personal enmity, not for fame and fortune, and not for longevity.
Meng Jingzhe was startled in his heart, and then, like an instinct, he said The sun rises in the east, the moon rises in the west, Yin and Yang are long and short, and they always ED Gummies: Top Products and Reviews Non Erectile Dysfunction follow each other.Yin Yang value from Dragon Yin 10 Yin Yang value from Jinghe 10 Jing and Master Jian lowered their heads, looking at the oar in their hands, their eyes immediately became extremely disgusted, as if they wished to throw it away on the spot.
Xu Xinian let out a hmm and said angrily A military division is a military division.The evil god didn t speak, and directly moved towards Meng Jingzhe.
The vines became more and more proud.This forest belongs to the Gu family.Father, I did it.Without the slightest hesitation, Sixi reached out to her and pinched her neck.
There is a river there.The water seemed to be bottomless.During the process, she understood that the warlock in white at the beginning was really just a seventh rank feng shui master, because even a mere ninth rank pharmacist seemed to ignore her, an extraordinary powerhouse.
but ah Faced with such consequences in the past, he obviously still felt a little sorry at this time.s Correct the typo first and then correct it.Seeing a group of people cast their gazes at him, Yang Gong blushed without heartbeat, shook his head and said Ning Yan, you are a half step martial god, and you know your own state best.
Losing the support of ordinary believers is an extremely fatal thing, not every Buddhist monk can do bigu.It seems that only one person and one sword will never change.
There were too many people, so I became a little confused.But he knew what Zhu Fanzhong meant, but he was no longer prepared to accept such kindness.
When Du Xueting heard that Liu Amei could be discharged from the hospital, she almost jumped with excitement.As for the remaining cupping pots, even though Du Heng s mind has been opened up now, the idea still passed by without thinking much at all.
Please help me pay attention. After speaking, he said to the female doctor opposite, Director Zhang, this is Director Du Heng.It was exactly the same as the information I had learned at that time.
Civilized worship and fire prevention LeannX Gummies: The Lean Way to Approach the Keto Diet Ibih 5 Day Keto Soup Diet are not proposed by the town government, but are tasks assigned by the municipal government.Could it be that his connection is not from the district, but from the city But Du Heng immediately laughed again.
Du Heng moved the corners of his mouth with a half smile.He is on strike, which is what we often say. The phlegm covered the heart orifices and closed the mind.
Where did you hear this from Was it really cured of gastric cancer Zhang Xintian is getting more and more excited now.However, from the day she started to treat vitiligo, she suddenly lost her courage and began to worry about gains and losses.
Then, his own Adam s apple twitched twice quickly, The family members should come to collect it later.A way. But since he entered the health center, he really hasn t had much contact with the dean who is like a god in the health center.
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.