Explorando el nuevo panorama de los servicios financieros

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Business chalk sketch

CLAVES:

  • El 15,5% de los consumidores digitales activos ha utilizado algún servicio Fintech en los últimos 6 meses.
  • El uso está muy concentrado en zonas urbanas muy desarrolladas, como Nueva York, Hong Kong y Londres.
  • El 53,2% considera la falta de conocimiento sobre estas alternativas como el principal motivo para no utilizarlas.

Impulsados ​​por las nuevas startups y los principales players tecnológicos, la industria FinTech está quedándose con parte de la cuota del mercado tradicional, ofreciendo al cliente servicios y productos atractivos y fáciles de usar.

Una investigación de E&Y, basada en una encuesta a 10.131 consumidores digitales activos, en Australia, Canadá, Hong Kong, Singapur, Reino Unido y Estados Unidos, arroja que el 15,5% de ellos ha usado ya, en los últimos seis meses, al menos dos tipos de servicios fintech, definidos como servicios o productos financieros desarrollados por compañías online que no pertenecen al sector bancario ni asegurador.

El estudio muestra también que mientras el conocimiento de los productos y servicios fintech va en aumento, las tasas de adopción podrían duplicarse este año.

Documento relacionado en Thinknowa:

Hong Kong tiene la mayor tasa de uso de FinTech en todos los mercados analizados (29,1%). Estados Unidos tiene la segunda tasa más alta de adopción (16,5%), seguido por Singapur (14,7%), Reino Unido (14,3%), Australia (13%) y Canadá (8,2%).

ey-global-fintech-adoption
Fuente: EY

[section label=”Duplicar el esfuerzo” anchor=”Duplicar el esfuerzo”]

Duplicar el esfuerzo

Conforme el FinTech facilite la vida a lo usuarios, los proveedores tradicionales tendrán que duplicar sus esfuerzos para servir a los clientes con la misma eficacia.

Las entidades financieras tradicionales pueden aprender de la forma en que las FinTech ven a los consumidores y de cómo están utilizando la tecnología para ofrecer valor y conveniencia.

Identificar qué consumidores están más expuestos a la nueva competencia – y desarrollar nuevos productos y servicios para reteneros – es un primer paso que hay que tomar.

ey-future-use-of-fintech
Uso futuro del Fintech.
Fuente: EY

[section label=”Un público joven y urbano” anchor=”Un público joven y urbano”]

Un público joven y urbano

Los clientes FinTech tienden a ser más jóvenes, personas con altos ingresos. El uso está muy concentrado en zonas urbanas muy desarrolladas, como Nueva York, Hong Kong y Londres.

Estos usuarios son algunos de los clientes más valiosos para las entidades financieras tradicionales, por lo que deben reconsiderar la forma en que responden a las necesidades de estos usuarios si quieren detener el vuelo del FinTech.

Para ello será necesario que reevaluen sus propias estrategias multicanal, así como explorar asociaciones con proveedores de FinTech.

ey-fintech-use-in-major-urban-areas
Uso de Fintech en las principales áreas urbanas.
Fuente: EY

Documento relacionado en Thinknowa:

[section label=”La transformación de los pagos” anchor=”La transformación de los pagos”]

La transformación de los pagos

Entre los usuarios que han utilizado alternativas Fintech, los servicios más utilizados son: las alternativas de pago y transferencia de dinero, utilizadas por el 17,6% de los consumidores, las plataformas para el ahorro y la inversión (16,7%), los servicios telemáticos y agregadores de seguros (7,7%) y las alternativas de crédito como los préstamos P2P (5,6%)

ey-most-used-fintech-services
Servicios FinTech más utilizados.
Fuente: EY

Entre las motivaciones que llevan a estos usuarios a utilizar las alternativas tecnológicas no-bancarias destaca claramente la facilidad de uso y poder obtener un servicio más cómodo y ágil (43%). La posibilidad de obtener unos mejores precios y comisiones ocuparía el segundo lugar (15%).

ey-top-seven-reasons-for-using-a-fintech-app
Fuente: EY

El principal obstáculo, seguiría siendo el desconocimiento acerca de este tipo de nuevos productos. El 53,2% considera la falta de conocimiento sobre estas alternativas como el principal motivo para no utilizarlas.

ey-top-six-reasons-for-not-using-fintech--infographics
Fuente: EY
E&Y. E&Y Fintech Adoption Index. Diciembre 2015 [consultado 14-01-2016]. Disponible en: http://www.ey.com/GL/en/Industries/Financial-Services/ey-fintech-adoption-index

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