{"id":9695,"date":"2017-11-28T12:25:22","date_gmt":"2017-11-28T12:25:22","guid":{"rendered":"https:\/\/accionmk.accionmk.com\/?p=4343"},"modified":"2017-11-28T12:25:22","modified_gmt":"2017-11-28T12:25:22","slug":"estudio-de-las-entidades-financieras-espanolas","status":"publish","type":"post","link":"https:\/\/accionmk.accionmk.com\/en\/study-of-spanish-financial-institutions\/","title":{"rendered":"Spanish Financial Institutions: Digital Shares"},"content":{"rendered":"<p>The digital offerings of 16 Spanish banks have recently been analysed to identify the level of <strong>digital maturity of the financial sector in Spain<\/strong>.<\/p>\n<p>The study was based on 3 dimensions: organisation and solutions; customer experience; technological solutions.<br \/>\nIt analyses the <strong>strategies and challenges that entities<\/strong> participants are carrying out <strong>in the current competitive context<\/strong>. The internal culture of the digital world has also been analysed.<\/p>\n<p>For the respondents, the regulatory framework involves <strong>one of the biggest concerns for their organisation, rated by 81% of respondents, followed by the impact of disruptive technologies, with 69% of respondents.<\/strong><\/p>\n<p>The<strong> 3 strategies that carry the most weight<\/strong> for the entities analysed were: in first place <strong>digital transformation and Customer Centric<\/strong> (81%); secondly the <strong>maximising efficiency and reducing operating costs<\/strong> (69%); finally and thirdly, <strong>leveraging new sources of income<\/strong> (63%).<\/p>\n<p>As for the <strong>most important challenges<\/strong> The first of these is the <strong>development of digital channels and their functionalities<\/strong> (81%), followed by the<strong> creating an internal digital culture<\/strong> (63%).<\/p>\n<p>We are now trying to talk about the budget with which the Directorate of the <strong>Spanish financial institutions<\/strong> account to develop digital actions. The <strong>27%<\/strong> of respondents <strong>has assessed that the percentage of this investment is less than 5% and also that the budget ranges between 10% and 15%.<\/strong>. Only the <strong>15% allocates more than 15% of the investment to digital actions<\/strong>.<\/p>\n<p>With regard to the <strong>digital actions that are developed<\/strong> currently by financial institutions, stands out with a <strong>95% process automation or digitisation actions;<\/strong> in second and third place, is occupied by analytical models and development of new functionalities in digital channels, voted by 88% in both cases.<\/p>\n<p>EL <strong>69% of Spanish financial institutions are carrying out various initiatives.<\/strong> that foster innovation in the organisation: such as innovation labs and training. 13% of respondents say that they do not carry out any digital initiatives.<\/p>","protected":false},"excerpt":{"rendered":"<p>The digital offer of 16 Spanish banks was recently analysed to identify the level of digital maturity of the financial sector in Spain. The study was based on 3 dimensions: organisation and solutions; customer experience; technological solutions. It analyses the strategies and challenges that the participating entities are carrying out in the digital [...]<\/p>","protected":false},"author":1,"featured_media":9228,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,12],"tags":[],"class_list":["post-9695","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-estudiosdemercado"],"_links":{"self":[{"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/posts\/9695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/comments?post=9695"}],"version-history":[{"count":0,"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/posts\/9695\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/media\/9228"}],"wp:attachment":[{"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/media?parent=9695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/categories?post=9695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/accionmk.accionmk.com\/en\/wp-json\/wp\/v2\/tags?post=9695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}