{"id":126551,"date":"2022-09-16T15:21:51","date_gmt":"2022-09-16T19:21:51","guid":{"rendered":"https:\/\/news.sap.com\/latinamerica\/?p=126551"},"modified":"2023-11-14T11:20:45","modified_gmt":"2023-11-14T16:20:45","slug":"banca-hibrida-e-inteligente-la-industria-del-futuro","status":"publish","type":"post","link":"https:\/\/news.sap.com\/latinamerica\/2022\/09\/banca-hibrida-e-inteligente-la-industria-del-futuro\/","title":{"rendered":"Banca h\u00edbrida e inteligente: la industria del futuro"},"content":{"rendered":"<p><span style=\"font-weight: 400\">Los modelos de negocio est\u00e1n cambiando y para la industria de servicios bancarios y financieros, el desaf\u00edo es cada vez mayor. Hoy, es la econom\u00eda digital la que est\u00e1 redefiniendo estos modelos a partir de la innovaci\u00f3n.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Fidelizar a sus clientes, identificar sus necesidades y responder a sus aspiraciones en tiempo real en un entorno altamente competitivo, son los primeros en la lista de prioridades de la industria. Por ello, los bancos deben adoptar ante este desaf\u00edo una actitud din\u00e1mica y proactiva, reimaginar sus modelos de negocios, pensar en el concepto de \u201cbanca como servicio\u201d y comenzar a orientar sus productos y servicios para llegar al cliente justo en el momento preciso con la propuesta que mejor se adec\u00faa a las necesidades de \u00e9ste.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Los bancos, ahora y en el futuro, necesitan una comprensi\u00f3n real de las experiencias de sus clientes. Tambi\u00e9n necesitan un entorno en el que puedan capacitarse con dicha informaci\u00f3n, tomar decisiones, resolver problemas y gestionar cuidadosamente la experiencia de cliente. Trasladando las tareas rutinarias desde los seres humanos a sistemas de negocio habilitados por machine learning, los bancos liberar\u00e1n la capacidad necesaria para definir y perseguir modelos de negocio innovadores y transformadores, convirti\u00e9ndose as\u00ed en empresas inteligentes. \u00bfPero c\u00f3mo lograrlo?\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">La sobrecarga de datos que inunda a las empresas de esta industria se combina con serias dificultades de utilizarlos eficientemente para crear perfiles de clientes y segmentarlos. En este contexto, juegan un rol clave las herramientas que permitan obtener, a partir de ellos, informaci\u00f3n relevante y un conocimiento activo y enriquecedor. La banca 4.0 har\u00e1 a los bancos reconsiderar la banca desde sus cimientos. La experiencia humana es el nuevo disruptor en la econom\u00eda de la experiencia. Esto afectar\u00e1 la manera en que los bancos interact\u00faan con los clientes y gestionan productos, procesos y operaciones financieras y de riesgo tradicionales.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">La implementaci\u00f3n de las nuevas tecnolog\u00edas y talentos ser\u00e1 necesaria para tener \u00e9xito en la era digital. Los bancos pasar\u00e1n a tener una imagen y a operar como las empresas tecnol\u00f3gicas, ofreciendo servicios bancarios y no bancarios a medida que se convierten en plataformas digitales. La inteligencia basada en datos diferenciar\u00e1 a los proveedores de servicios financieros exitosos de los menos exitosos, que incluir\u00e1n bancos y nuevos operadores no bancarios.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Herramientas en la nube como 麻豆原创 HANA, le permitir\u00e1n a las entidades bancarias administrar enormes vol\u00famenes de datos en tiempo real para optimizar la toma de decisiones, resolver problemas y gestionar cuidadosamente la experiencia del cliente.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Este tipo de soluciones son un arma imprescindible para poder navegar sin riesgos por enormes vol\u00famenes de informaci\u00f3n que incluyen tanto los datos recogidos a lo largo de los a\u00f1os por el banco en las transacciones con los clientes hasta informaci\u00f3n del mercado o incluso comentarios en las redes sociales. El nivel de personalizaci\u00f3n de productos y servicios que se puede alcanzar una vez que se gestiona este big data de manera adecuada es absoluto.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Con estos procesos de transformaci\u00f3n, los bancos pasar\u00e1n a tener una imagen y a operar como las empresas tecnol\u00f3gicas, ofreciendo servicios bancarios y no bancarios a medida que se convierten en plataformas digitales.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Para 2025, una parte significativa de los ingresos bancarios proceder\u00e1 de los servicios no bancarios. Los bancos se convertir\u00e1n en lugares en los que las personas atesoran de forma segura sus activos para convertirse en socios financieros capaces de hacer recomendaciones personalizadas basadas en el historial financiero de sus clientes, sus experiencias y sus preferencias y tambi\u00e9n convertirse en entidades financieras h\u00edbridas e inteligentes para una gama de servicios asociados.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los modelos de negocio est\u00e1n cambiando y para la industria de servicios bancarios y financieros, el desaf\u00edo es cada vez mayor. Hoy, es la econom\u00eda&#8230;<\/p>\n","protected":false},"author":141,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[52091,24297],"tags":[],"series":[],"region":[],"sapn-display":[5600442,5600440,53499],"sapn-type":[6114],"class_list":["post-126551","post","type-post","status-publish","format-standard","hentry","category-industrias","category-tecnologia","sapn-display-articulo-destacado","sapn-display-articulo-principal","sapn-display-hero","sapn-type-articulo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banca h\u00edbrida e inteligente: la industria del futuro - 麻豆原创 News Center Latinoam\u00e9rica<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/news.sap.com\/latinamerica\/2022\/09\/banca-hibrida-e-inteligente-la-industria-del-futuro\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banca h\u00edbrida e inteligente: la industria del futuro\" \/>\n<meta property=\"og:description\" content=\"Los modelos de negocio est\u00e1n cambiando y para la industria de servicios bancarios y financieros, el desaf\u00edo es cada vez mayor. 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