La pandemia no solo golpeó con dureza los resultados de las principales entidades financieras, sino que también desaceleró la actividad de sus redes comerciales. Lo positivo es que dicha situación sirvió para intensificar la transformación del sector que tiene en la digitalización una oportunidad de salida de la crisis. Por eso es crucial, como consultores en aplicación de tecnologías, abordar la problemática de forma integral y la digitalización es una de las palancas clave para que el sector salga de la crisis y recupere su competitividad.
La transformación digital de un gran banco puede llevar a su rentabilidad a las tasas que necesita para sobrevivir. Una de las pruebas más palpables es el cambio que se está produciendo es el nuevo concepto de oficina bancaria que se está abriendo paso en la calle en distintos lugares del mundo. Lejos de desaparecer, las oficinas serán un elemento central para atraer y fidelizar al cliente que acudirá a ellas para realizar las gestiones de más valor. En este sentido, la digitalización permitirá conocer mejor al cliente, darle un trato diferencial y poder fidelizarlo. Así, el nuevo modelo de oficina bancaria combina los mundos físico y virtual bajo el concepto de “opticanalidad”, o lo que es lo mismo, el uso del canal óptimo para ofrecer de forma segura al cliente los servicios que necesita en cada momento.
La segunda estrategia clave es la de “romper” el banco en dos bloques para ganar la flexibilidad y agilidad que exige la era digital. Es decir, se trata de competir en dos ligas diferentes: una centrada en el cliente y en cuidar la experiencia, la velocidad, la innovación, las alianzas con otras empresas y, en definitiva, en escuchar y enamorar al cliente con una experiencia única. La otra, más ligada a la fabricación de productos, gestión de procesos y sistemas que debe abordarse en “una transformación digital compleja y profunda”.
Este es el camino que los grandes bancos tradicionales deben seguir para competir con los Challenger Banks y Neobanks, las nuevas entidades con estructuras nativas digitales que están demostrando una enorme capacidad para atraer a nuevos clientes gracias a la experiencia de uso que ofrecen; permiten, por ejemplo, abrir una cuenta de forma online en pocos clics mientras que muchos bancos tradicionales todavía requieren presencia física, firma de papeles y el envío postal de documentos.Los grandes bancos “rompen” los sistemas bancarios tradicionales que sostienen sus procesos mediante estrategias cloud y de microservicios
Así, los grandes bancos “rompen” los sistemas bancarios tradicionales que sostienen sus procesos mediante estrategias cloud y de microservicios. De esta forma, podrán comercializar sus productos en otras plataformas con rapidez, responder dinámicamente a picos de demanda, y generar las capacidades para cerrar alianzas comerciales de forma sencilla con empresas de cualquier tipo, desde una gran operadora de telefonía móvil a una plataforma de delivery o de televisión digital.
El mundo post-covid requerirá de la creación e implementación de estrategias integrales que operen en forma paralela sobre el banco que gestiona la experiencia del cliente, y el banco que ejecuta los procesos eficientes que la soportan. Por eso, hoy más que nunca, la digitalización es un factor clave en la promoción de un cambio que la pandemia vino a acelerar como ningún otro suceso mundial de las últimas décadas.
Fuente: https://www.infobae.com
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