Los bancos cuentan con numerosas razones para motivar a sus clientes a utilizar sus aplicaciones móviles con más frecuencia. En primer lugar, puede aumentar la rentabilidad porque los bancos pueden ofrecer sus productos y servicios directamente en la aplicación.
La sostenibilidad se está convirtiendo en un tema cada vez más crucial en la banca digital, tanto desde la perspectiva de los consumidores como desde el punto de vista de los bancos que reflejan sus intereses y su estrategia ESG. Este interés también refleja una creciente conciencia en relación con el cambio climático al que nos enfrentamos. En este artículo, analizamos en detalle por qué están saliendo ahora a la luz la dirección y el pensamiento verde en los bancos y sus aplicaciones bancarias. Reflexionaremos sobre las principales diferencias entre una banca verdaderamente sostenible y el greenwashing. También exploraremos las iniciativas actuales que están funcionando en el mercado destinadas a promover la sostenibilidad en la banca.
La Generación Z ha nacido en la era digital y exige a su experiencia bancaria lo que nunca había exigido antes. Lea más sobre las características más utilizadas y demandadas.
We decided to provide our insights into the power of strictly MCC-based categorization and its limits. Categorization is important for credit risk scoring and it is the basis for Personal Finance Management tools. When we analyzed our categorization with MCCs, we saw that only 53% of transactions could be easily and reliably categorized based on their MCC code. Let's have a look at the most frequent problems we identified that make MCC usage more difficult than it may seem at the first glance.
Habida cuenta de que en el SME Banking Club debatimos a diario sobre temas relacionados con la digitalización de la banca de las PYME, ya sea durante nuestros seminarios web o en publicaciones en los sitios web y entrevistas, hemos resumido en este artículo los principales temas en los que están pensando ahora mismo los principales bancos de la región de Europa Central y Oriental.
Everly y Tapix se unieron para organizar un panel sobre el tema el Futuro de la Banca: Generación Z. Únete a nosotros para una emocionante discusión en línea con ponentes de W1tty, MyMonii, Gimi & Lunar el 7 de diciembre a las 4 PM CET. En este artículo ofrecemos lo más destacado sobre el panorama bancario de la Generación Z
La cuestión del calentamiento global, la sostenibilidad a largo plazo y el respeto global por el planeta Tierra viene siendo objeto de discusión desde hace décadas.
Durante los últimos años, la IA ha captado la atención de muchos sectores, incluyendo el financiero y bancario, donde ha estado ayudando a las instituciones a automatizar numerosos servicios y soluciones importantes. Mientras tanto, la Unión Europea ha dado un paso adelante importante con la introducción de la Ley de IA de la UE.
Explore los KPI esenciales para los bancos digitales, desde la Adopción de funciones hasta la Tasa de retención. Mejore las experiencias de usuario, fomente la lealtad y garantice el éxito en el panorama digital.
Según la revista alemana Mobile Banking App Review 2024, el 60 % de los consumidores alemanes prefieren usar su aplicación bancaria para gestionar sus finanzas, y casi uno de cada tres envía dinero a través de la aplicación al menos una vez al mes.
Manténgase a la vanguardia en 2025 con estas 7 tendencias de banca digital que remodelan las finanzas. Desde la hiperpersonalización hasta la criptointegración, descubra el futuro de la banca.
Mientras la banca digital está experimentando una rápida transformación y crecimiento, surge un nuevo fenómeno: la Banca para niños. Este concepto no solo representa una forma revolucionaria para educar a los niños de hoy sobre el dinero, sino que también ofrece una oportunidad única para desarrollar la alfabetización financiera desde una edad muy temprana.
Maintaining customer loyalty has always been and should always be a key priority for financial institutions. With many banks offering similar services and rates, it is imperative to differentiate yourself by creating a unique and satisfying experience tailored to your customers.
Today, the financial world is all about mobile-first convenience. Opening a new account has never been easier. Yet, while an efficient account-opening process gets your foot in the door, it doesn't guarantee a meaningful and, most importantly, long-lasting relationship. The real challenge lies in ensuring that new customers don’t just open an account and fade into inactivity but instead evolve into loyal, profitable clients.
I’m Ondřej Machač, a FinTech enthusiast with a passion for pushing the boundaries of financial technology. I currently manage over 15 bank accounts across the EU, constantly testing them to stay on top of the latest trends in banking and fintech. I regularly share my insights in Fintree, the largest FinTech magazine in the Czech Republic, which I founded. Additionally, I work at Roger, one of the largest Czech fintech companies, which closely collaborates with banks.
User experience (UX) in digital banking isn't merely about good aesthetics. It's deeply rooted in science and psychology, governed by established laws that guide user interactions and decision-making. Here are 11 key UX laws, explained with examples relevant to digital banking applications.
The total number of digital banking customers now stands at approximately 1.1 billion worldwide, and 20 neobanks now serve 10 million or more customers (and 39 with more than 5 million), placing several of them among the top 5 or 10 largest banks in their country. This article summarizes the best of "How to Build a Digital Bank", a detailed guide to building a digital bank, and insights from The Reality of Building a Digital Bank webinar. To complement this narrative and provide a real-world perspective, we present an article on the reality of building a digital bank.
For almost any app in the modern digital age, app store reviews are key to success. They serve as a public measure of your app’s quality and can significantly impact user acquisition and retention. Digital banking is no different. According to a survey by Alchemer, 77% of consumers read at least one review before downloading a free app, and 80% of users will not download an app if they see negative reviews about its performance. Furthermore, research indicates that users are more likely to write a review after a negative experience than a positive one.
Switching banks is more common than one might think. According to a satisfaction survey conducted by J.D. Power, nearly 13% of consumers are expected to switch their primary bank this year. The most common reasons for this shift include high fees, poor customer service, lack of convenient digital banking features, and better offers from competitors. Is there a way to be a part of the client's life journey indefinitely? Let's find out.
Travelling is becoming more popular and digital each year. According to a recent UNWTO survey, international tourist arrivals (overnight visitors) increased by 5% in 2023, reaching 1.4 billion travellers globally. As travel becomes more active, the role of digital banking is evolving accordingly to meet the needs of modern explorers. From seamless transactions to personalised financial services, digital banking is pushing the travel experience to a new level.
Following the updates to the AI Act, it’s essential for banks to ensure their AI systems comply with these new regulations. This guide breaks down the process into manageable steps, making it straightforward for digital banking experts to follow and ensure compliance.
As banking gets more digital, the need for simplification and automation is becoming more apparent. A significant part of that leads to the adoption of APIs (Application Programming Interfaces)in banking. While APIs have been here for a long time, the current surge in digital banking is driven by the demand for real-time payment solutions, advances in open banking regulations, and the necessity for enhanced customer engagement.
A medida que la digitalización avanza en los mercados, está surgiendo una nueva generación de bancos que cada vez es más popular. Estamos hablando de los bancos digitales, o neobancos, si se prefiere.
Automated Teller Machines have evolved significantly since their introduction in the 1960s. Initially designed to dispense cash outside banking hours, ATMs now offer a range of services, from depositing checks to transferring money between accounts. Today, there are over 3.5 million ATMs worldwide that are visited by users on average at least 8-10 times a month. Even cryptocurrency ATMs are on the rise, with more than 39 000 used worldwide.
With the implementation of the EU AI Act providing a regulatory framework for ethical and responsible AI adoption, banks and financial institutions are starting to pay close attention. What exactly is AI used for in modern banking? Let's dive into different use cases and what it means for banks.
Banks are at a crossroads between conservative survival or gradual implementation of new technologies and adaptation to their customers' requirements. Although they have considerable resources and a solid client base, they do not always manage to adapt in time. In this article, we will explore the key reasons for this and highlight the importance of building a spirit of innovation, engaging in technology development and partnering with fintech firms.
Industry leaders, banking professionals, and fintech enthusiasts are eagerly seeking opportunities to explore emerging trends, exchange ideas, and create connections that will shape the future of finance. The year 2024 is on the way and so are the best fintech conferences and events, promising partnerships, ideas and new projects.
Recently, Simon Koci, the Head of International Partnerships at Tapix by Dateio, was featured in a report, where he discusses his views on the future of fintech. In this article, we highlighted the findings of a recent survey of 100 fintech product specialists and provided insights into latest banking product trends.
SME Banking club sat down with Šimon Kočí, Head of International Partnerships for Tapix by Dateio, who will be moderating a panel discussion on the topic of Cooperation between banks and fintechs the upcoming CEE SME Banking Conference in Prague.
This gathering of experts and professionals not only provided a valuable opportunity for us to learn about the latest trends and developments within the industry but most importantly, our Head of Partnerships, Simon Koci, had a chance to host and moderate a panel discussion on the topic of Cooperation Between Banks and Fintechs.
The market for digital lending from non-bank lenders and fintech firms is becoming increasingly popular among consumers. It is a modern and innovative form of financing that provides a faster and more accessible alternative to traditional methods. The long queues at bank branches have come to an end. Customers want a loan in a few clicks and they want a card full of benefits to go with it. The BNPL trend with players like Klarna, Zip and Twisto shows this.
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