{"id":164827,"date":"2022-12-14T09:00:33","date_gmt":"2022-12-14T08:00:33","guid":{"rendered":"https:\/\/ipmark.com\/?p=164827"},"modified":"2022-12-13T10:26:07","modified_gmt":"2022-12-13T09:26:07","slug":"tres-retos-en-la-transformacion-digital-de-la-banca-retail","status":"publish","type":"post","link":"https:\/\/ipmark.com\/?p=164827","title":{"rendered":"Tres retos en la transformaci\u00f3n digital de la banca retail"},"content":{"rendered":"

Los vertiginosos cambios que se han dado a nivel de la banca <\/span>retail<\/span><\/i>, sobre todo durante la pandemia, han hecho que este sector se transforme digitalmente en todo sentido. Dentro de estas l\u00edneas se presentar\u00e1n los tres retos m\u00e1s importantes a los cuales se enfrenta este sector. Sigue leyendo.<\/span><\/p>\n

C\u00f3mo abordar la transformaci\u00f3n digital de la banca <\/b>retail<\/i><\/b><\/h1>\n

La banca <\/span>retail <\/span><\/i>ha tenido que adaptarse a que todas sus operaciones y servicios se hagan v\u00eda <\/span>online<\/span><\/i>. De esa manera no se pierde tiempo en acercarse a las entidades f\u00edsicas para poder realizar las diferentes transacciones.<\/span><\/p>\n

Cada d\u00eda m\u00e1s los usuarios investigan cu\u00e1les son los <\/span>mejores bancos donde abrir una cuenta online<\/span><\/a> y cada vez surgen m\u00e1s opciones en el mercado, es por ello que la banca se ha visto obligada a abordar de manera inteligente y eficiente los siguientes tres retos:<\/span><\/p>\n

La atenci\u00f3n prestada a los clientes debe ser de forma segura, r\u00e1pida, eficiente y 100% digital<\/strong><\/h2>\n

En esta era de la inmediatez, los usuarios de la<\/span> banca <\/span>retail <\/span><\/i>se han hecho m\u00e1s exigentes<\/span><\/a> y buscan que las operaciones sean realizadas de esta manera:<\/span><\/p>\n

    \n
  1. La seguridad total de su dinero y datos personales.<\/span><\/li>\n
  2. Una interfaz r\u00e1pida, sencilla, amigable y c\u00f3moda de navegar.<\/span><\/li>\n
  3. La posibilidad de realizar las transacciones 24\/7.<\/span><\/li>\n
  4. Poseer una comunicaci\u00f3n directa en caso de cualquier duda o inconveniente.<\/span><\/li>\n
  5. La opci\u00f3n de utilizarla sin importar en qu\u00e9 sitio del planeta se encuentre.<\/span><\/li>\n<\/ol>\n

    Analizar y conocer el \u201cad-hoc\u201d de los clientes<\/strong><\/h2>\n

    Al tener a la mano tanta informaci\u00f3n sobre los usuarios, el equipo encargado de analizarla debe usarla a su favor para crear sistemas que abarquen las necesidades de los clientes.<\/span><\/p>\n

    Esto permitir\u00e1 que los mismos se sientan satisfechos y agradecidos, lo que repercutir\u00e1 en que se recomiende a m\u00e1s personas y estas se incluyan como parte de los nuevos usuarios. As\u00ed la banca <\/span>retail <\/span><\/i>crecer\u00e1 de manera acelerada y esto se lograr\u00e1 de forma m\u00e1s sencilla a trav\u00e9s de la <\/span>\u201c<\/span><\/i>Big Data<\/span><\/i><\/a>\u201d<\/span><\/i>.<\/span><\/p>\n

    Abocarse a la recuperaci\u00f3n de la rentabilidad del sector<\/strong><\/h2>\n

    Con la aparici\u00f3n de las <\/span>fintech <\/span><\/i>todo el mercado financiero tom\u00f3 un nuevo giro. La digitalizaci\u00f3n y los servicios ofrecidos sin tener que pagar comisiones o intereses cre\u00f3 una revoluci\u00f3n, y la forma de trabajar de la banca debi\u00f3 transformarse. Esto llev\u00f3 a que la rentabilidad en este sector disminuyera dr\u00e1sticamente.<\/span><\/p>\n

    Sin embargo, seg\u00fan una consultora de nombre Gartner, si se implementa la hiperautomatizaci\u00f3n, los costes de las operaciones se reducir\u00edan un 30% aproximadamente.<\/span><\/p>\n

    Otras investigaciones realizadas por el Banco de Espa\u00f1a afirman que la utilizaci\u00f3n del <\/span>\u201cmachine learning\u201d<\/span><\/i> dentro del control de riesgo en cuanto a los cr\u00e9ditos, repercutir\u00eda en el ahorro de un 12,4% a un 17%.<\/span><\/p>\n

    La banca retail y la transformaci\u00f3n digital<\/b><\/h1>\n

    Sin lugar a dudas, la banca <\/span>retail<\/span><\/i> tiene que seguir adecu\u00e1ndose a las formas de prestar los servicios en los tiempos modernos. Ser\u00e1 la \u00fanica manera de mantenerse vigente y crecer sustancialmente en el mundo digital.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    La banca retail ha tenido que adaptarse a que todas sus operaciones y servicios se hagan v\u00eda online.<\/p>\n","protected":false},"author":30,"featured_media":164828,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5895],"tags":[76],"class_list":["post-164827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-marketing-digital","tag-marketing-digital"],"acf":[],"yoast_head":"\nTres retos en la transformaci\u00f3n digital de la banca retail<\/title>\n<meta name=\"description\" content=\"La banca retail ha tenido que adaptarse a que todas sus operaciones y servicios se hagan v\u00eda online, como este art\u00edculo.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ipmark.com\/?p=164827\" \/>\n<meta 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