Neobancos novedosa opción en servicios financieros
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Date
2022-11-22
Authors
Mejía Arboleda, Luisa Fernanda
Advisors
Álvarez Oquendo, Lina María
Editors
Journal Title
Journal ISSN
Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Thesis
Rights
Open Access
Attribution-NonCommercial-NoDerivatives 4.0 International (CC BY-NC-ND 4.0)
Attribution-NonCommercial-NoDerivatives 4.0 International (CC BY-NC-ND 4.0)
Abstract
Los neobancos son entidades 100 % digitales que ofrecen servicios financieros, operan online y todas las gestiones y procesos se realizan, o bien desde una aplicación móvil o desde la página web que maneja la entidad y es esta la razón por la cual no tienen oficinas físicas.A raíz de la pandemia COVID-19 se aceleró el uso de las plataformas digitales debido al cierre total de la prestación de todo tipo de servicios financieros, esto obligo a las organizaciones en general a reinventarse en la forma de prestar y ofrecer productos y servicios ya que debían darle a los clientes una solución a sus necesidades.Los neobancos son una gran alternativa por su dinámica digital en la cual prestan sus servicios y esto ha sido uno de los factores por los cuales el 73% de la población encuestada dicen que estarían dispuestos en cambiar un banco tradicional por un neobanco. Adicional a esto los clientes están agobiados del tiempo de espera y largas filas que deben realizar en una oficina física para resolver cualquier tipo de trámite y por esto coinciden que usar los servicios desde las plataformas digitales es una forma innovadora de manejar sus cuentas y adquirir nuevos productos financieros. Con el objetivo de conocer la viabilidad de este nuevo modelo financiero en territorio Colombiano se realizó el trabajo el cual está apoyado por encuestas, estas realizadas a la población que cuenta con algún producto del sector financiero y dan respuesta positiva a que el nuevo modelo lo ven como una gran alternativa de migrar sus servicios en totalidad ya que esto les presenta una disminución importante en la economía y lo ven como un servicios que está en constante innovación.
Neobanks are 100% digital entities that offer financial services, operate online and all procedures and processes are carried out either from a mobile application or from the website managed by the entity and this is the reason why they do not have physical offices. As a result of the COVID-19 pandemic, the use of digital platforms accelerated due to the total closure of the provision of all types of financial services, this forced organizations in general to reinvent themselves in the way they provide and offer products and services since they had to give customers a solution to their needs. Neobanks are a great alternative due to their digital dynamics in which they provide their services and this has been one of the factors why 73% of the surveyed population said they would be willing to change a traditional bank for a neobank. In addition to this, customers are overwhelmed by the waiting time and long lines that they must wait in a physical office to resolve any type of procedure and for this reason they agree that using services from digital platforms is an innovative way to manage their accounts and acquire new financial products. With the objective of knowing the viability of this new financial model in Colombian territory, the work was carried out, which is supported by surveys, these carried out on the population that has some product from the financial sector and give a positive response to the fact that the new model, they see it as a great alternative to migrate their services in their entirety since this presents them with a significant decrease in the economy and they see it as a service that is constantly innovating.
Neobanks are 100% digital entities that offer financial services, operate online and all procedures and processes are carried out either from a mobile application or from the website managed by the entity and this is the reason why they do not have physical offices. As a result of the COVID-19 pandemic, the use of digital platforms accelerated due to the total closure of the provision of all types of financial services, this forced organizations in general to reinvent themselves in the way they provide and offer products and services since they had to give customers a solution to their needs. Neobanks are a great alternative due to their digital dynamics in which they provide their services and this has been one of the factors why 73% of the surveyed population said they would be willing to change a traditional bank for a neobank. In addition to this, customers are overwhelmed by the waiting time and long lines that they must wait in a physical office to resolve any type of procedure and for this reason they agree that using services from digital platforms is an innovative way to manage their accounts and acquire new financial products. With the objective of knowing the viability of this new financial model in Colombian territory, the work was carried out, which is supported by surveys, these carried out on the population that has some product from the financial sector and give a positive response to the fact that the new model, they see it as a great alternative to migrate their services in their entirety since this presents them with a significant decrease in the economy and they see it as a service that is constantly innovating.
Description
Determinar la viabilidad del modelo “neobancos” en el mercado financiero colombiano.
Keywords
Neobancos, Banca tradicional, Fintech, Newbanks, Traditional banking, Fintech