La Innovación tecnológica en los bancos.

Los bancos y nuevas formas de innovacion
Los bancos y nuevas formas de innovacion


México.- Un estudio de Accenture revela que 52 por ciento de los bancos espera trabajar con nuevos socios digitales en los próximos dos años y 42 por ciento con alianzas fuera de él, toda vez que la innovación tecnológica transforma la industria bancaria de manera acelerada.

En un comunicado, la empresa de servicios digitales prevé que la construcción de ecosistemas digitales en los que los bancos puedan conectar a los clientes con otros proveedores de productos y servicios irá en aumento.

La investigación plantea que 83 por ciento de los ejecutivos bancarios encuestados cree que las diferentes plataformas basadas en la mezcla de tecnologías como movilidad, la nube, analítica o social, unirán a las organizaciones en la economía digital.

Mientas, 46 por ciento dice que adoptar un modelo de negocios de plataformas y asociarse con socios digitales será de vital importancia para su éxito.

En tanto, la firma estima que la disrupción digital en la industria bancaria exigirá un tipo distinto de fuerza laboral, colaborativa, habilitada por la tecnología y enfocada en talento y resultados, en lugar de procesos.

Así, 80 por ciento de los encuestados está de acuerdo en que la fuerza de trabajo del futuro se estructurará más por proyectos que por funciones laborales y 74 por ciento opina que una fuerza laboral con capacidad para adaptarse y responder al entorno, mejorará la innovación.

Este cambio, de acuerdo con Accenture, incluirá una mezcla de empleados tradicionales, trabajadores por proyecto, crowd sourcing o trabajo colaborativo externo en el que participan múltiples profesionales, compañías que desarrollan aplicaciones y otras fuentes externas que permiten a los bancos integrar equipo especializado y eficiente.

Esta transformación de la fuerza laboral involucrará la incorporación de la automatización y la Inteligencia Artificial (IA), así 86 por ciento señaló que el uso generalizado de IA provee una ventaja competitiva que va más allá de la reducción de costos, a decir de la empresa.

Por otro lado, 91 por ciento considera que el principal beneficio de automatizar es el tener conocimiento más especializado, 90 por ciento agilizar tareas de tecnología de la información y 88 por ciento una mejor interacción con los clientes.


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