Canales digitales: La banca digital en 2023

Summary

Digital banking has become increasingly important in shaping customer relationships. The key to success is simplicity, offering tools like mortgage simulators and user-friendly onboarding processes to enhance engagement. The ultimate goal is to create a unified, modular experience that responds quickly to customer needs, ensuring efficient self-service. Backbase’s Engagement Banking platform offers a customizable, evolving solution designed for financial services, providing clients with a seamless and attractive experience. With over 20 years of experience, Minser continues to lead the digital banking transformation across Europe and Latin America, partnering with over 400 clients.

Takeaways

• 😀 Digital banking is gaining more importance in customer relationships, with a focus on improving user experience through digital channels.
• 😀 The key to successful digital banking is simplicity, with tools like mortgage calculators or simulators that help customers quickly engage with the bank.
• 😀 A customer-centric approach is crucial, ensuring that users see value in digital tools tailored to their needs and expectations.
• 😀 Digital banking channels should not only engage users but also contribute to recovering or generating investment by facilitating sales to clients.
• 😀 Self-service models are important, allowing users to feel in control through simple onboarding processes and flexible tools.
• 😀 Digital banking faces similar challenges as other digital channels, such as overcoming silos and delivering a unified, seamless user experience.
• 😀 A key goal is to provide a fast, responsive service that meets customer demands, with components that can be added or removed based on client needs.
• 😀 Modular approaches allow for the creation of adaptable digital banking solutions that respond to customers’ needs without being bogged down by outdated models.
• 😀 Backbase Engagement Banking platform offers a centralized solution designed specifically for the financial services sector, enhancing customer experiences.
• 😀 Backbase's platform supports continuous evolution, offering updates without the complexity of traditional systems, and provides highly customizable solutions.
• 😀 Minsair has over 20 years of experience in digital channels, particularly in financial services, and works with over 400 clients across Europe and Latin America, now partnering with Backbase to enhance their offerings.

Q & A

What is the primary focus of digital banking according to the script?

The primary focus of digital banking is to offer a simple, effective, and personalized experience for customers through digital channels, with an emphasis on ease of use and customer engagement.

What role do tools like mortgage generators play in digital banking?

Tools like mortgage generators or simulators help engage customers quickly and simplify the process, allowing them to interact with the bank in a more user-friendly manner.

How does the focus on people influence digital banking solutions?

Digital banking solutions need to focus on the customer experience, offering what the users want to see at the right moment and based on their expectations to foster commitment and engagement.

What is the ultimate goal of a digital banking channel?

The ultimate goal of a digital banking channel is to recover the investment or generate profits through customer sales while providing a helpful and engaging service.

What is the importance of self-service models in digital banking?

Self-service models are important because they allow customers to feel in control, using tools like simpler onboarding processes that don't require complex, outdated mechanisms.

What are the common challenges digital banking faces?

Digital banking faces challenges similar to other digital channels, such as overcoming siloed systems and providing a unified, seamless experience for users.

How can digital banking platforms respond to customer needs effectively?

Digital banking platforms must be modular, allowing components to be added or removed based on customer needs and ensuring a responsive experience with minimal delays.

What is the Backbase Engagement Banking platform, and how does it help digital banking?

Backbase Engagement Banking is a platform designed specifically for financial services, offering a centralized and customizable solution that enables a simple, attractive, and unique experience for customers.

How does the Backbase platform evolve over time?

The Backbase platform evolves by adding new functionalities without the need for complex updates, ensuring that it stays current and adaptable to changing customer needs.

What distinguishes the Backbase platform from other solutions?

The Backbase platform stands out because it offers a highly customizable experience through open-source technologies, allowing companies to tailor the platform to their specific requirements while providing a strong foundation.