Conozca cuáles son las razones por las que la generación Z prefiere utilizar este tipo de bancos.
Los avances tecnológicos siguen siendo unas de las cosas más importantes en la sociedad, debido a la digitalización que cada día se va tomando el mundo, esto a raíz de la pandemia, logrando identificar el valor de la transformación análoga a una más digital, incluso en los aspectos más cotidianos de la vida.
La transformación digital toca a varios sectores de la economía, y un claro ejemplo es la revolución que están viviendo las entidades bancarias, algo que es más atractivo para la generación Z.
¿Qué es un neobanco?
Es una compañía bancaria que opera de una manera totalmente digital, es decir, sus usuarios pueden realizar todas las transacciones, solicitudes de certificados, préstamos y demás a través del celular y al alcance de un clic, sin la necesidad de desplazarse a las oficinas o sucursales.
Cuentan con la tecnología que permite innovar, crear productos más llamativos y eficientes para el usuario, como el ahorro de costos y agilidad en los procesos, abrir una cuenta y solicitar una tarjeta desde la comodidad de la casa o poder hablar con un asesor a través de la aplicación.
Una de las diferencias que tiene con los bancos tradiciones es que cuentan con una cartera de productos más reducida, lo que les permite poder enfocarse mucho más en la calidad y la eficiencia del servicio que les prestan a sus usuarios.
Santiago Covelli, CEO de Lulo Bank, afirmó que con los neobancos la idea es “resolver los principales dolores y costos que hoy afectan a millones de colombianos. Le apuestan a la innovación y la transformación de Colombia con el uso de las tecnologías de última generación”.
Los neobancos y la generación Z
Los neobancos se abren camino entre la sociedad a grandes pasos, sobre todo entre las personas de la generación Z, y es que estos nativos digitales sienten más confianza y afinidad con este tipo de productos, ya que, según una encuesta realizada por Mambu América Latina a 1.250 jóvenes, entre 18 y 35 años, en países como México, Brasil, Colombia, Perú, Chile y Argentina, el 22% afirmó que su entidad bancaria es un neobanco. También señalan que al preguntarle a un joven de la generación Z por sus productos financieros, acude a su smartphone para dar una respuesta.
De acuerdo con el estudio, el 45% expresó que la facilidad a la hora de hacer el registro era uno de los principales motivos para usar un neobanco, mientras que el 36% lo hace porque se interesa por los beneficios atractivos que estos ofrecen y, por último, un 27% lo escoge porque se acopla más a sus necesidades y preferencias.
“Hoy en día, los jóvenes a la hora de elegir un banco lo primero que buscan es la transparencia y claridad con la oferta. Por eso, la importancia y la clave del éxito de los neobancos se basa en contar con productos dinámicos que evolucionen día a día y respondan a las necesidades de todos los usuarios”, comentó Santiago Covelli.
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