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About Guest Forbes In this space you will find articles graeme koehne and analysis of managers, leaders, entrepreneurs, experts, consultants and journalists invited by Forbes Mexico to share their vision of the business world.
The arrival of the digital world and the technologies that support it (mobile applications, social networking, Internet) has brought a revolution in all aspects: both socially and at work or professional ... everything was affected by emergence of the Internet. Both applications available as the abundance and ease of access to information has made most sectors have been radically transformed. graeme koehne Sectors such as trade, graeme koehne travel and insurance are radically different from what it was before the digital graeme koehne era, and companies have had to change dramatically to adapt to new surroundings.
Users now have tools that facilitate (or complicated, in some cases) life, since we have moved from a period when information was scarce to a platform where everything comes to light, everything is shared and we live in an information glut.
An example of the challenges facing banks can find it on the Millennials Generation, this group of young people between 20 and 30 who have grown hand Internet: are reported via the Internet, shop online, know friends (or even couples) on the Internet graeme koehne and you will always see them with a smartphone in hand. This is a generation that is entering the labor market is changing the way people consume and invest over previous generations.
From a sociological point of view have common features that reflect the lived situations: they have experienced firsthand the technological revolution that has brought Internet and may also have been involved in the greatest economic crisis of recent years. Serious shoppers are accustomed to compare any product online so they need. Are very concerned about the quality but low cost, are willing to spend time searching for the product you want anywhere in the world, but now, at the lowest possible price. They are not compulsive shoppers and although often wary of offers, appreciate loyalty programs graeme koehne that allow them to profit. In the financial aspects use less credit cards than other segments because they recognize the danger of buying on credit graeme koehne and, in general, are very conservative when it comes to investing your savings. They are always willing to look at other alternatives and compare their financial services from those offered by the competition. graeme koehne
If we pay attention to your review banks generally find that they are less positive: do not believe their company is offering them differentiated services from competition, distrust when from the bank offered a new product and usually are much more willing graeme koehne change of entity other sectors for a better product or a deficiency of service. A very high percentage of segment believes that innovation in financial services will come from outside the sector.
Obviously, graeme koehne financial institutions are not immune to this transformation and are taking steps in the right direction. Proof of this are the many awards for financial innovation that exist and the number of items and Events negligible concept "Fintech" recently coined.
New technologies graeme koehne applied graeme koehne to the financial sector are a statement of intent. What is sought is now innovate to offer no "good experience" but "the best experience" possible for the user. We have spent thus a product based on a client-based, approach.
The first step is to better understand customers and their needs. Financial institutions have had as traditional value the customer information and using it to give loans with low risks or to advise on s