{"id":198343,"date":"2021-10-28T12:38:18","date_gmt":"2021-10-28T12:38:18","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=198343"},"modified":"2021-10-28T12:38:18","modified_gmt":"2021-10-28T12:38:18","slug":"mihai-ion-cfo-raiffeisen-bank-agentia-bancara-a-viitorului-va-fi-locul-unde-clientii-vor-fi-consiliati-in-alegerea-de-produsele-bancare-potrivite-mai-ales-a-celor-mai-complexe","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=198343","title":{"rendered":"Mihai Ion, CFO Raiffeisen Bank: Agen\u0163ia bancar\u0103 a viitorului va fi locul unde clien\u0163ii vor fi consilia\u0163i \u00een alegerea de produsele bancare potrivite, mai ales a celor mai complexe"},"content":{"rendered":"<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>Principalele trenduri care vor influen\u0163a industria bancar\u0103 pe termen mediu \u015fi lung sunt legate de generalizarea utiliz\u0103rii dispozitivelor mobile (telefoane, tablete) &#8211; pentru achizi\u0163ia de bunuri, servicii, socializare etc. -, dezvoltarea capabilit\u0103\u0163ilor de cloud computing \u015fi a inteligen\u0163ei artificiale, deschiderea pie\u0163ei bancare c\u0103tre noi juc\u0103tori fintech sau neob\u0103nci &#8211; care ofer\u0103 o experien\u0163\u0103 digital\u0103 atractiv\u0103 sau pre\u0163uri foarte competitive pentru atragerea clien\u0163ilor. \u00centr-o anumit\u0103 m\u0103sur\u0103, tot legat de trendurile amintite, cadrul de reglementare este \u00eentr-o cre\u015ftere a complexit\u0103\u0163ii f\u0103r\u0103 precedent \u015fi devine costisitor de administrat, pe de-o parte cre\u00e2nd dificult\u0103\u0163i juc\u0103torilor tradi\u0163ionali, dar put\u00e2nd ac\u0163iona \u015fi ca barier\u0103 pentru intrarea \u00een domeniu a noilor veni\u0163i, pe de alt\u0103 parte. \u00cent\u0103rirea cadrului de rezolu\u0163ie bancar\u0103, cunoa\u015fterea clientelei \u015fi prevenirea sp\u0103l\u0103rii banilor, protec\u0163ia datelor cu caracter personal sunt exemple relevante \u00een aceast\u0103 direc\u0163ie.<\/p>\n<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>\u201cNoul normal\u201d pentru Raiffeisen Bank \u00eenseamn\u0103 un r\u0103spuns puternic \u015fi adecvat la evolu\u0163iile men\u0163ionate, baz\u00e2ndu-ne pe avantajele competitive pe care le avem \u015fi \u00eencheind parteneriate care s\u0103 ne completeze, \u00een zonele unde nu avem competen\u0163ele cele mai \u00eenalte. Vom interac\u0163iona cu clien\u0163ii no\u015ftri din ce \u00een ce mai mult \u00een mediul digital, p\u0103str\u00e2nd \u00eens\u0103 amprenta personal\u0103. Acest fapt se va reflecta \u00een cre\u015fterea satisfac\u0163iei clien\u0163ilor, \u00eentr-o ajustare continu\u0103 a infrastructurii b\u0103ncii \u015fi a proceselor interne. \u00cen plus, &#8220;noul normal&#8221; se va referi din ce \u00een ce mai mult la o economie verde \u015fi la sustenabilitate, tendin\u0163e pe care le-am inclus \u00een strategia noastr\u0103 de business.<\/p>\n<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>Agen\u0163ia bancar\u0103 a viitorului va fi locul unde clien\u0163ii vor fi consilia\u0163i \u00een alegerea de produse bancare potrivite, mai ales a celor mai complexe (asigur\u0103ri, fonduri mutuale, ipoteci). Totodat\u0103, ei vor putea achizi\u0163iona produse direct din platformele digitale ale b\u0103ncii prin self service. Opera\u0163iunile cu numerar sau cele de servisare pentru opera\u0163iuni curente vor fi din ce \u00een ce mai pu\u0163in prezente \u00een viitor \u00een agen\u0163ii. Num\u0103rul de unit\u0103\u0163i bancare va evolua permanent \u00een corela\u0163ie cu interesul \u00een cre\u015ftere al clien\u0163ilor pentru convenien\u0163a opera\u0163iunilor \u00een mediul online, dar \u015fi cu dorin\u0163a lor de a interac\u0163iona cu un bancher c\u00e2nd sunt implicate decizii pe termen lung. Sucursalele b\u0103ncilor \u00ee\u015fi vor p\u0103stra importan\u0163a \u015fi relevan\u0163a pentru nevolile clien\u0163ilor, iar asta e foarte clar.<\/p>\n<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>Ne-am adaptat destul de rapid la contextul pandemic, dat fiind faptul c\u0103 de ceva timp experimentam lucrul de acas\u0103 pentru anumite categorii de angaja\u0163i, interac\u0163ionam \u00een mediul digital cu clien\u0163ii b\u0103ncii \u015fi aveam deja diverse formule de sprijin al clien\u0163ilor afla\u0163i \u00een dificult\u0103\u0163i financiare specificate \u00een contractele standard de creditare, care au putut fi accesate imediat \u015fi u\u015for. Nu \u00een ultimul r\u00e2nd, \u00eenc\u0103 din 2019, luam \u00een calcul ca scenariu \u00een deciziile noastre de creditare faptul c\u0103 economia se afl\u0103 \u00eentr-o faz\u0103 avansat\u0103, matur\u0103, a ciclului de cre\u015ftere economic\u0103, iar o ajustare temporar\u0103 nu era chiar o surpriz\u0103. \u00cen consecin\u0163\u0103, am fost mai pruden\u0163i \u00eenainte de pandemie, iar acest lucru a fost benefic pentru banc\u0103 \u015fi clien\u0163ii no\u015ftri.<\/p>\n<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>Toate aceste evolu\u0163ii au fost poten\u0163ate, accelerate de pandemie \u015fi s-au generalizat \u00eentr-o perioad\u0103 relativ scurt\u0103 de timp, mul\u0163umit\u0103 efortului sus\u0163inut \u015fi mobiliz\u0103rii tuturor colegilor.<\/p>\n<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>\u00cenv\u0103\u0163\u0103mintele pe care le putem extrage din aceast\u0103 perioad\u0103 sunt legate de importan\u0163a anticip\u0103rii evolu\u0163iei pie\u0163ei, anticipare care s\u0103 ia \u00een calcul scenarii poten\u0163ial negative, adic\u0103 s\u0103 fim \u00eentotdeauna preg\u0103ti\u0163i pentru ceea ce poate fi mai r\u0103u, sper\u00e2nd \u00eens\u0103 la mai bine.<\/p>\n<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>Alt element notabil este legat de confirmarea for\u0163ei grupului, a importan\u0163ei sus\u0163inerii reciproce pentru dep\u0103\u015firea unei situa\u0163ii dificile. Echipa noastr\u0103 s-a mobilizat \u015fi a colaborat \u00een toat\u0103 aceast\u0103 perioad\u0103 dificil\u0103, ei i se datoreaz\u0103 faptul c\u0103 am reu\u015fit s\u0103 dep\u0103\u015fim foarte bine situa\u0163ia, \u00een ciuda provoc\u0103rilor profesionale, dar \u015fi personale, pe care le-a adus pandemia.<\/p>\n<p>\n<span style=\"color:#b22222;\">\u25ba <\/span>Alt aspect interesant se refer\u0103 la faptul c\u0103 un factor extern puternic poate gr\u0103bi foarte mult anumite evolu\u0163ii, pe care altfel le vedeam progres\u00e2nd \u00eentr-un ritm mult mai lent. Nu ne imaginam \u00eenainte de pandemie c\u0103 vom asista la un salt a\u015fa de rapid al tranzac\u0163iilor digitale sau c\u0103 vom reu\u015fi s\u0103 reg\u00e2ndim at\u00e2t de rapid anumite fluxuri \u00een rela\u0163ia cu clien\u0163ii.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u25ba Principalele trenduri care vor influen\u0163a industria bancar\u0103 pe termen mediu \u015fi lung sunt legate de generalizarea utiliz\u0103rii dispozitivelor mobile (telefoane, tablete) &#8211; pentru achizi\u0163ia de bunuri, servicii, socializare etc. -, dezvoltarea capabilit\u0103\u0163ilor de cloud computing \u015fi a inteligen\u0163ei artificiale, deschiderea pie\u0163ei bancare c\u0103tre noi juc\u0103tori fintech sau neob\u0103nci &#8211; care ofer\u0103 o experien\u0163\u0103 digital\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7667,5238,150,387,14575,24930,539,93,7455,2405,399,4895,15,9694],"class_list":["post-198343","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-card","tag-consumatori","tag-energie","tag-magazine","tag-mihai-ion","tag-normalitate","tag-online","tag-plati","tag-pwc","tag-raiffeisen-bank","tag-retail","tag-schimbari","tag-servicii","tag-tranzitie"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198343","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=198343"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/198343\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=198343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=198343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=198343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}