Fri. Apr 19th, 2019

key to the future of pensions

Banca digital: clave para el futuro de las pensiones


The technology of the future has arrived, stomping and, although it looks like a book or a science fiction movie, it is here to stay. A new scenario is born, in which it is important to bear in mind that the question we must ask ourselves is not what technology can do for us, but rather what we can do with it. And there is not a single answer. Advancing to these changes and adapting to new needs, both social and business, is the key to survival.

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Banking is one of the sectors that is most understood with the new digital language. Despite being a traditional market, he has managed to turn his genetics around and was one of the first to bet on the 2.0 advance. The big banks are in the ranking of the most digital organizations, of the companies whose digital strategy advances by giant steps and marking the rhythm of the entire platoon.






The banking of the future will be predictive, personalized and full of direct experiences with the user

The banking of the future will be predictive, personalized and full of direct experiences with the user. Technology and innovation will be, effectively, one of the most important genes of this new DNA. Beyond hyperconnectivity, social networks, artificial intelligence or mobility, the opportunities for this market lie, without going any further, in the relationship with its customers.

The future of the banking sector goes through helping its users make the best possible financial decisions. From the one to you to digital relationships; but, in the end, it's about recovering the oldest essence: the user wants a personalized and real treatment. The change lies in the way we relate to the bank. From the entity to the signature app. Technology is the star. Definitely.

BBVA fully relies on the power of technology. Last year he received the Digital Leadership Award 2018

BBVA fully relies on the power of technology. Last year he received the Digital Leadership Award 2018
(BBVA)

Gonzalo Rodríguez, global head of Retail Customer Solutions at BBVA, recalls that 50% of his bank's clients already use the bank's digital channels. The challenge for this year is to achieve the same goal in mobile banking. "Our vision begins with making it easy for customers to do everything from their mobile apps in a very simple way, from becoming a customer of the bank to organizing their debit accounts or accessing a product. As the client moves to the mobile, the frequency of our interactions with him increases, and this opens the possibility of offering new experiences, products and services that were impossible in the past, "says Rodríguez.





BBVA fully relies on the power of technology. Last year he received the Digital Leadership Award 2018, an award that recognizes the transformation and technological innovation of companies. In addition, for the second year in a row, it was recognized by the report "The Forrester Banking Wave: Global Mobile Apps Summary, 2018" as a leader among the nine best entities with mobile banking apps in the world. Global recognitions that reinforce your position in the market.


BBVA launches a new tool that allows people to plan the future after their work life

BBVA, following this award-winning strategy, now launches the first digital tool, through mobile, that allows people to plan the future after their working life. This is BBVA Future Planner, a platform that estimates the public pension that each contributor will receive and their current savings capacity. Everything personalized: the user (can be a client or not of that entity) provides his income and expenses and, from here, through big data, the tool proposes three possible future lifestyles. In addition, it goes further and estimates what amount would need to be saved to be able to meet them.

Yolanda de la Cruz, Product Owner BBVA Future Planner, assures that this tool "makes possible your future dream if you take control of your destiny now and perform the appropriate actions". It is about offering an experience, a pioneer in the banking market, which seeks to facilitate the present - and, above all, the future - of people. Available in the app and the BBVA website, it allows you to adjust the data at any time in order to achieve a more accurate calculation. It is possible to include the annual gross balance, the quoted years, the province in which the client plans to retire, if he will have some extra income and the forecast of monthly expenses.






The non-customers of the bank who want to plan their future with BBVA Future Planner, will be able to introduce in the tool a minimum economic and labor information, such as the annual gross salary, the monthly payroll, the age and the years quoted so far

The non-customers of the bank who want to plan their future with BBVA Future Planner, will be able to introduce in the tool a minimum economic and labor information, such as the annual gross salary, the monthly payroll, the age and the years quoted until now, counting from the 25. The objective of this functionality is to provide information that contributes to an economic planning based on savings. In addition, it includes information on the importance of setting a goal and start saving as soon as possible to make it a reality. Those who access the tool, can consult different informative articles about retirement, its planning, or if it is possible to reconcile a pension with work.

De la Cruz summarizes that this tool provides at a glance the income and expenses with which each one will count in retirement. It allows us to estimate the future based on real present expenses and, based on all this, choose the best savings plan to make it possible. One of the answers to what we said about what we can do with technology.







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