Fri. Apr 19th, 2019

Digital yes, but not at any price

Innovación bancaria: cómo llevar tus cuentas en el bolsillo


Full shopping cart. You go to the cashier to pay, but ... no! You do not take out your wallet! But you bring your phone -which surely you already had in your hand - to the dataphone and ready. You just paid for the purchase of the week without much effort.

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Online banking is not the future. It is the present. Nowadays, more than half of the population does not visit a branch, but they consult all their movements with a simple click.

But not only can we review the balance or make a transfer, but the bank apps allow us to perform any other service. All through smart phones. That is, we literally carry the bank over.

Nowadays, more than half of the population does not visit a branch, but they consult all their movements with a simple click

Nowadays, more than half of the population does not visit a branch, but they consult all their movements with a simple click
(Pixabay)

This growing use of smartphones to access digital banking solutions is reflected in several studies. One of them, the CaixaBank Socioeconomic Impact Report 2018, states that more than 57% of CaixaBank clients have made at least one transaction through their CaixaBankNow application.

This entity has 5.2 million customers who use the mobile phone to carry out their operations. In addition, for two months up to 2.8 million customers used only their phone to operate with CaixaBank. We already warned, it's the present.

How to be the most digital?

The digital innovation of a bank can be posed in many ways. It can be a good showcase for exhibiting muscle investor or to associate with an innovative spirit; It is also key to increasing productivity and efficiency. However, this concept can (and should) go beyond these purposes.



Grupo CaixaBank invested 844 million euros in development and technology last year


The challenge of online banking must be to offer more and better services to its customers. Financial innovation must improve relations between banks and customers and make them more secure, more comfortable, more efficient and more sustainable.

The sprint of digitalization has pushed big banks to start up all their technological machinery so as not to be left behind. CaixaBank is a clear example of this. Today, it has more than 6 million active digital clients and adds more than 990,000 accesses per day on the CaixaNow website, translated into 23 languages.



The entity has more than 6 million active digital clients


These successful figures are based on the confidence that the group has always placed in innovation. For this, it is also key to bet economically: the entity invested 844 million euros in development and technology last year.

CaixaBank, in its desire to reach out to all citizens, has devised services such as ImaginBank or Mis Finanzas

CaixaBank, in its desire to reach out to all citizens, has devised services such as ImaginBank or Mis Finanzas
(Getty)

For this reason, CaixaBank, in its desire to reach out to all citizens, has devised services such as ImaginBank, the first mobile-only bank especially aimed at young people, or the intelligent tool "My Finances", which helps clients in managing their personal economy and allows you to see all your accounts, whether they are from CaixaBank or other entities.

If you are one of those who pay for the purchase of the supermarket through mobile or know some of the applications that I have just mentioned, I guess I am not wrong to say that you have read this article through your smartphone. Was it right? The future in our pocket.



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