Los europeos ya usan la banca móvil habitualmente

Por
Redacción Vector
-
5250
510429

CLAVES:

  • Una encuesta de Visa sobre el uso de aplicaciones bancarias por parte de los europeos permite afirmar que el uso de aplicaciones bancarias es mayoritario en el continente.
  • Las aplicaciones bancarias son utilizadas por una amplia mayoría de los millennials.
  • Algunos bancos como JP Morgan han lanzado bancos móviles enfocados exclusivamente para clientes millennials.
  • Los consumidores aún no confían plenamente en que su privacidad y seguridad estén garantizada aunque la tendencia en este aspecto es alcista.

Los millennials acabarán con las sucursales bancarias. Esa es una de las conclusiones a las que llega un nuevo estudio de Visa en que 42.000 europeos han sido entrevistados sobre sus preferencias a la hora de realizar gestiones bancarias.

Pero el nuevo informe de Visa, titulado Digital Payments Study 2017 (llevada a cabo por Populus), no sólo analiza cómo se comportan los millennials con respecto a sus bancos, sino que también realiza un pormenorizado estudio del estado de la banca digital en el continente europeo.

La nueva encuesta de Visa Europa ha llegado a la conclusión de que el 77% de los europeos utilizan sus móviles para realizar operaciones bancarias y pagos. Para Visa la adopción del móvil como herramienta para las realización de operaciones bancarias se ha convertido en algo “natural”. Otras conclusiones que revela el estudio son las siguientes:

  • Casi dos tercios de los europeos (62%) comprueban sus balances o acceden a otros servicios a través de su aplicación bancaria. Como comparación, en 2015, sólo el 29% de los entrevistados tenía una aplicación móvil instalada y el 7% usaba una aplicación para la gestión del dinero.
  • Más de dos tercios (68%) ha usado un monedero digital como Paypal, un servicio de almacenado de datos de pago online (card-on-file) o una aplicación de pago como Apple Pay, Android Pay o Smasumg Pay. Esta proporción ha aumentado en 5 puntos desde 2016.
  • Los consumidores se están sintiendo cada vez más cómodos haciendo transacciones en sus dispositivos móviles que están siendo cada vez más usados en detrimento de los ordenadores de sobremesa y portátiles ya que el 48% de los europeos usa un móvil para comprar.
  • Casi el mismo número (45%) ha enviado dinero a sus amigos y familia usando un Smartphone o tableta.

Bill Gajda, vicepresidente senior de Innovación y Alianzas Estratégicas, dijo Visa: “Visa está comprometida con la innovación y con trabajar con un amplio espectro de socios para garantizar que los consumidores tengan acceso a pagos digitales seguros y seguros en cualquier dispositivo que deseen utilizar. Estamos entusiasmados con los resultados de esta encuesta y la confianza y el entusiasmo que los consumidores han expresado por las nuevas formas de pagar y ser pagados, abrazando los productos y servicios digitales que mejor se adaptan a su estilo de vida en rápido movimiento “.

Los millennials representan el cambio

Los resultados obtenidos por Visa y Populus no admite dudas: si algo está cambiando en como los consumidores recurren a los servicios de banca digital es en gran medida porque los millennials son quienes más rápido están adoptando estos servicios. De hecho el 86% de los encuestados con una edad de entre 18 y 34 años se consideran a sí mismos “usuarios de dinero móvil”, un porcentaje que subirá al 92% en los próximos 3 años.

  • EL 70% de los millennials europeos son usuarios de banca online, frente a la media europea el 62%.

Los millennials también lideran el uso del móvil como medio para realizar transferencias a amigos y familiares. El 57% hacen eso, en comparación con la media para la población europea que es 45%.

Diversos medios se han hecho eco de cómo el informe, que no está disponible aún en abierto, señala que en países como el Reino Unido el uso de apps móviles bancarias amenaza seriamente las pervivencia de sucursales bancarias.

En Reino Unido el 38% de los consumidores, lleva a cabo gestiones bancarias mediante una app con regularidad, un porcentaje que se incrementa hasta el 53% para los millennials. No obstante el 31% de los millennials británicos reconoce no haber usado nunca una app bancaria.

También señalan los medios que un tercio de los británicos ha realizado alguna vez un pago mediante móvil, mientras que el porcentaje se incrementa hasta el 59% en el caso de los millennials.

“La tecnología móvil ha revolucionado el sector de la banca minorista. Hasta hace relativamente poco tiempo, transacciones simples como la transferencia de dinero entre cuentas significaba visitar una sucursal bancaria en persona “, dice Jonathan Vaux, director ejecutivo de asociaciones de innovación de Visa.

“Ahora vemos a los bancos aceptar la flexibilidad que ofrecen las aplicaciones para reducir los puntos débiles para los clientes y permitirles mantenerse al tanto de sus finanzas mientras se encuentran en movimiento. En esencia, cualquier persona con un smartphone o tablet ahora es capaz de llevar su sucursal bancaria con ellos dondequiera que vayan.”

“Londres es uno de los centros fintech del mundo. Al ofrecer tanto seguridad como comodidad a través de la telefonía móvil sin comprometer el servicio al cliente, las instituciones financieras están captando la imaginación de los consumidores británicos más jóvenes. Como proveedor de pagos, estamos trabajando con socios de todos los tamaños para garantizar que ofrecemos las mejores soluciones para satisfacer las necesidades de los clientes y eliminar la fricción de la gestión del dinero móvil”. Añade Vaux.

Una de las cosas que nos enseña este report de Visa es que los millennials representan un sector poblacional que no sólo aboga por la innovación sino que la está liderando. Algunos bancos ya están reaccionando a esta tendencia modificando sus productos o lanzando algunos nuevos para adaptarlos a las preferencias de los consumidores más jóvenes.

Fuente: Business Insider

Uno de estos bancos es JP Morgan, que a finales del mes pasado lanzo Finn, un banco completamente digital que permite a sus clientes abrir cuentas, hacer depósitos, controlar los gastos o crear planes de ahorro.

Por ahora la aplicación de Finn está siendo testeada por usuarios de iOS en St. Louis aunque dentro de poco será ofrecida a usuarios de Android y también en otras ciudades americanas.

El foco en los millennials viene de la incorporación de una herramienta que permite a los millennials manejar su dinero y sus gastos. Además de las ofertas bancarias, como herramientas para crear ahorros y evitar el exceso de gastos, la aplicación tiene una función que permite a los clientes calificar las compras por “deseo” y “necesidad” y asignar emojis para saber cómo se sintieron al comprar. Eso podría atraer a los millennials, que prosperan con el efecto de red y el acceso digital, dándoles plataformas bancarias con las que se sienten más identificados que con el clásico modelo basado en las sucursales físicas.

La popularidad de las aplicaciones biométricas crece

Continuando con el informe de Visa, se señala que una de las características que conlleva la adopción de nuevas tecnologías es que con ellas surgen nuevas preocupaciones, como por ejemplo la seguridad, la privacidad y el uso de la biometría.

  • Dice Visa que las preocupaciones sobre la privacidad han descendidos de un 51% en 2016 a un 46% en el presente año.
  • La preocupación por las cuestiones relacionadas con la seguridad han descendido mucho más: del 65% en 2015 y 2016 al 59% actual.

No obstante pocos consumidores estarían dispuestos a compartir sus datos bancarios personales. Sólo el 46% de los encuestados compartiría sus datos bancarios con un miembro de su familia, porcentaje que desciende al 35% cuando se pregunta si lo compartirían con un banco y al 31% cuando se tratara de agencias gubernamentales.

La disconformidad de los consumidores crece aún más cuando se plantea la posibilidad de compartir los datos bancarios personales con redes sociales, ya que el 84% no se sentiría dispuesto a hacerlo.

Extrañamente, los usuarios se sienten mucho más dispuestos a compartir sus datos biométricos con terceras partes. De hecho el 84% de los encuestados confía en la aplicación de la biometría como medio de autenticación, un porcentaje que aumenta desde el 59% del año pasado.

Los sistemas de reconocimiento de huellas dactilares y de iris ocular son percibidos como los más seguros (con un 75% y un 74% respectivamente).

La confianza en la autenticación biométrica es tal que el 63% de los usuarios compartirían sus datos biométricos con sus bancos y el 62% lo haría con las agencias gubernamentales aunque sólo el 42% lo compartiría con las redes sociales.

FINEXTRA. Mobile apps replace bank branches for UK millennials. 30 de Octubre de 2017 [consultado 08-11-2017]. Disponible en: https://www.finextra.com/newsarticle/31260/mobile-apps-replace-bank-branches-for-uk-millennials?utm_medium=rss&utm_source=finextrafeed

VISA. Mobile MoneyTakes Off as 77%of Europeans Use their Phones to Bank and Make EverydayPayments. 21 de Septiembre de 2017 [consultado 08-11-2017]. Disponible en: https://www.visaeurope.com/media/pdf/45377.pdf

BUSINESS INSIDER. JPMorgan Chase launches digital-only bank. 24 de Octubre de 2017 [consultado 08-11-2017]. Disponible en: http://www.businessinsider.com/jpmorgan-chase-launches-digital-only-bank-2017-10

Descargar este documento en PDF

Artículo relacionadosMás del autor

5250 Comentarios

  1. I would like to show my appreciation for your generosity supporting persons that need help with in this matter. Your personal dedication to passing the message along appears to be really effective and have usually allowed most people just like me to realize their dreams. Your personal useful publication indicates this much to me and even further to my office workers. Regards; from all of us.

  2. A lot of thanks for your whole efforts on this web page. Debby take interest in conducting internet research and it is simple to grasp why. My partner and i hear all regarding the powerful means you provide valuable tricks through the web blog and even improve participation from people on this theme then our own simple princess is without question understanding so much. Take pleasure in the rest of the new year. You are always conducting a great job.

  3. I want to express my respect for your generosity giving support to people who require guidance on this important content. Your personal commitment to passing the solution all over had been exceptionally insightful and has truly permitted others like me to achieve their dreams. Your entire informative guideline means this much a person like me and substantially more to my colleagues. Many thanks; from everyone of us.

  4. I simply wanted to post a brief message in order to appreciate you for all of the fantastic ways you are posting on this website. My time-consuming internet look up has at the end been honored with incredibly good tips to exchange with my classmates and friends. I would assume that we visitors actually are extremely endowed to live in a perfect community with many lovely professionals with very beneficial ideas. I feel somewhat fortunate to have come across the weblog and look forward to many more enjoyable minutes reading here. Thanks again for a lot of things.

  5. Thanks for every one of your efforts on this web site. My aunt enjoys carrying out internet research and it is easy to see why. We all hear all concerning the powerful tactic you produce advantageous guidelines through the web blog and as well attract participation from other people on this area so our child is really being taught a whole lot. Enjoy the remaining portion of the new year. You’re the one performing a pretty cool job.

  6. I must show some appreciation to you for rescuing me from this type of condition. Because of searching through the world-wide-web and finding tricks which are not powerful, I assumed my life was well over. Living without the presence of solutions to the problems you have sorted out by means of your blog post is a serious case, and ones that could have badly affected my career if I had not noticed your web blog. Your capability and kindness in controlling every item was precious. I’m not sure what I would have done if I had not discovered such a stuff like this. It’s possible to at this moment look ahead to my future. Thanks for your time so much for the expert and sensible help. I won’t think twice to suggest your web blog to any person who wants and needs care about this issue.

  7. Needed to draft you the very little observation to thank you so much the moment again over the pleasing strategies you’ve contributed in this article. It’s certainly surprisingly generous of you giving without restraint all many people would have supplied as an ebook to generate some profit for themselves, most importantly given that you could have done it if you considered necessary. Those tricks additionally acted as the good way to realize that most people have the identical keenness just like mine to understand a whole lot more concerning this issue. I am sure there are some more fun situations up front for individuals that read carefully your website.

  8. Needed to draft you the tiny observation to help give thanks yet again over the awesome guidelines you’ve shared on this website. This is particularly generous of people like you to provide unhampered just what numerous people might have supplied as an ebook in making some cash on their own, primarily now that you might well have tried it in case you wanted. The principles also worked to provide a easy way to be aware that the rest have the identical dreams similar to mine to see lots more around this condition. I believe there are thousands of more pleasurable opportunities ahead for individuals that start reading your blog post.

  9. Thank you so much for giving everyone a very breathtaking possiblity to read from this web site. It really is very useful and also stuffed with fun for me personally and my office peers to visit your site particularly three times a week to read the new items you will have. And definitely, I am also always motivated with all the outstanding guidelines you give. Selected 2 points in this post are unequivocally the best I’ve had.

  10. My wife and i were really joyous that Ervin managed to carry out his web research using the ideas he discovered in your web page. It’s not at all simplistic to simply happen to be giving freely guidance which usually men and women could have been making money from. We really realize we have you to give thanks to because of that. These illustrations you’ve made, the simple site navigation, the friendships your site help foster – it is mostly amazing, and it is aiding our son in addition to the family understand the concept is brilliant, and that’s unbelievably serious. Many thanks for all!

  11. I wanted to send you the bit of observation so as to give many thanks over again regarding the gorgeous views you’ve documented on this page. This is certainly seriously generous with people like you to give easily all a lot of people would’ve marketed for an electronic book in making some profit for their own end, even more so seeing that you could have done it in the event you desired. These solutions also acted to become a fantastic way to be aware that other people have the same desire similar to my very own to know very much more pertaining to this condition. I’m sure there are numerous more pleasant occasions up front for individuals that read through your website.

  12. I wish to show my passion for your kind-heartedness supporting those who require assistance with this particular niche. Your special commitment to getting the solution throughout ended up being certainly important and has frequently made many people like me to attain their targets. Your informative guidelines signifies a great deal a person like me and much more to my mates. Thanks a lot; from everyone of us.

  13. I really wanted to develop a small word so as to express gratitude to you for these fantastic techniques you are giving out here. My particularly long internet investigation has at the end of the day been honored with sensible concept to exchange with my best friends. I would say that many of us site visitors are very endowed to dwell in a fantastic site with many awesome professionals with useful plans. I feel somewhat happy to have seen your entire website and look forward to tons of more enjoyable moments reading here. Thank you once more for a lot of things.

  14. I wish to express appreciation to this writer just for bailing me out of this scenario. Just after researching through the world-wide-web and getting proposals which are not pleasant, I was thinking my entire life was well over. Living devoid of the answers to the issues you have solved through this review is a serious case, and ones which could have in a negative way affected my career if I had not discovered your blog. Your personal natural talent and kindness in maneuvering every item was very useful. I’m not sure what I would’ve done if I had not come upon such a solution like this. I can at this moment look ahead to my future. Thank you so much for the specialized and result oriented guide. I won’t hesitate to refer your web blog to anybody who ought to have counselling on this problem.

  15. A lot of thanks for all of your efforts on this web site. Kim really loves managing investigation and it is simple to grasp why. Many of us know all about the compelling ways you give great techniques on the website and even encourage response from the others on the situation then our favorite child is truly being taught a great deal. Have fun with the rest of the new year. You’re conducting a fantastic job.

  16. I truly wanted to construct a remark to appreciate you for these pleasant techniques you are giving on this website. My rather long internet search has at the end of the day been recognized with brilliant knowledge to share with my neighbours. I ‘d state that that many of us website visitors actually are extremely lucky to be in a useful website with so many special people with insightful strategies. I feel quite fortunate to have discovered your entire website and look forward to many more brilliant moments reading here. Thanks a lot again for everything.

  17. I want to express some appreciation to the writer just for bailing me out of this particular situation. Just after researching throughout the world-wide-web and coming across thoughts that were not pleasant, I figured my life was gone. Being alive devoid of the approaches to the difficulties you’ve fixed by means of your good guideline is a serious case, and those which could have negatively damaged my career if I hadn’t come across your blog. Your personal know-how and kindness in controlling all the details was valuable. I’m not sure what I would have done if I had not come across such a solution like this. I can at this point look ahead to my future. Thank you very much for this professional and sensible help. I won’t think twice to propose the sites to any individual who ought to have guidelines about this issue.

  18. I in addition to my buddies ended up studying the good information and facts from your web blog and so instantly came up with a terrible suspicion I never expressed respect to the web site owner for those techniques. These young boys are actually for this reason happy to see all of them and have in effect in fact been taking pleasure in them. We appreciate you being considerably considerate and then for settling on variety of essential ideas most people are really desperate to discover. My very own honest apologies for not saying thanks to you sooner.

  19. I precisely wanted to say thanks once more. I am not sure the things that I could possibly have worked on without the type of thoughts documented by you directly on such a topic. Completely was the daunting circumstance in my opinion, but taking note of the very expert approach you handled the issue took me to cry over happiness. Now i am happier for the work and thus sincerely hope you recognize what an amazing job that you’re doing teaching people with the aid of your web site. I know that you haven’t come across any of us.

  99. Hi there! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no backup. Do you have any methods to protect against hackers?

  157. I’ve been surfing online greater than 3 hours lately, but
    I by no means found any attention-grabbing article like yours.
    It’s pretty price enough for me. In my view, if all site owners
    and bloggers made excellent content as you did, the web will probably be a lot more helpful than ever before.

  160. I additionally believe that mesothelioma is a scarce form of cancer that is normally found in those people previously familiar with asbestos. Cancerous tissue form inside the mesothelium, which is a safety lining which covers the vast majority of body’s body organs. These cells typically form within the lining in the lungs, belly, or the sac which actually encircles one’s heart. Thanks for expressing your ideas.

  161. I have been surfing online more than 3 hours nowadays, yet I
    by no means discovered any fascinating article like yours.
    It is pretty value enough for me. In my opinion, if all website owners and bloggers made good content material as you did,
    the net can be much more helpful than ever before.

  162. Howdy would you mind stating which blog platform you’re using?
    I’m going to start my own blog in the near future but I’m having a tough time deciding between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different then most blogs and I’m looking for something unique.
    P.S My apologies for being off-topic but I had to ask!

  167. It’s the best time to make a few plans for the long run and it’s time to be happy.

    I have read this post and if I may I want to recommend you some attention-grabbing issues or
    advice. Maybe you could write subsequent articles relating
    to this article. I desire to learn more things approximately it!

  170. It’s appropriate time to make some plans for the future and it
    is time to be happy. I have read this post and if I could I
    desire to suggest you some interesting things or suggestions.
    Perhaps you can write next articles referring to this
    article. I desire to read more things about it!

  172. It’s the best time to make some plans for the long
    run and it’s time to be happy. I have read this publish and
    if I could I desire to recommend you some fascinating issues or
    advice. Maybe you could write next articles relating to this article.
    I want to learn more issues approximately it!

  173. I have been surfing on-line more than 3 hours today,
    yet I never discovered any fascinating article like yours.

    It’s lovely price sufficient for me. In my view, if all site owners and bloggers made excellent content as
    you probably did, the web will be much more helpful than ever
    before.

  174. I’ll right away seize your rss as I can’t to find your e-mail subscription hyperlink or e-newsletter service.
    Do you have any? Kindly permit me recognize in order that I may subscribe.
    Thanks.

  175. It is perfect time to make some plans for the future and it’s time to be happy.
    I’ve read this post and if I could I wish to suggest you some interesting things or advice.
    Maybe you could write next articles referring to this
    article. I desire to read more things about it!

  178. Hi, I do think this is an excellent web site. I stumbledupon it 😉 I may revisit once again since I book-marked it.
    Money and freedom is the best way to change, may you be rich and continue to
    guide others.

  180. I’ve been surfing online more than 3 hours today, yet I never found any interesting
    article like yours. It is pretty worth enough for me. Personally, if
    all web owners and bloggers made good content as you did, the web will be a
    lot more useful than ever before.

  181. Its such as you read my mind! You seem to know a lot approximately this, such as you wrote the e book in it or
    something. I think that you just could do with a few %
    to power the message home a little bit, but instead of that, that is fantastic blog.
    An excellent read. I’ll certainly be back.

  184. Hiya, I am really glad I have found this info. Today bloggers publish just about gossips and web and this is really frustrating. A good web site with interesting content, that is what I need. Thanks for keeping this site, I will be visiting it. Do you do newsletters? Can’t find it.

  186. It is the best time to make a few plans for the long run and it’s time to
    be happy. I have read this put up and if I could I desire to counsel you few fascinating things
    or tips. Maybe you could write subsequent articles regarding this article.
    I wish to read more issues about it!

  187. I’ve been browsing online more than 3 hours today, yet I never found
    any interesting article like yours. It’s pretty worth enough for me.
    Personally, if all website owners and bloggers made
    good content as you did, the web will be much more useful than ever before.

  188. I’ve been browsing online more than 4 hours today, yet I never
    found any interesting article like yours. It is pretty worth enough for me.

    In my view, if all webmasters and bloggers made good content as you did, the web will be a lot more useful
    than ever before.

  189. Baszucki revealed that this round of funding, from Meritech Capital Partners and Index
    Ventures, will assist the company improve the Roblox Studio program used to
    create content material, together with extra tools to specialize games
    for cell platforms or for VR. The firm says it’s also exploring ways to make
    creation extra accessible from other devices.

  195. It is perfect time to make some plans for the future and
    it’s time to be happy. I’ve read this post and if I could
    I wish to suggest you some interesting things or suggestions.
    Maybe you could write next articles referring to this article.
    I desire to read even more things about it!

  199. It is appropriate time to make some plans for the future and it is time
    to be happy. I have read this post and if I
    could I desire to recommend you few fascinating issues or advice.

    Perhaps you could write next articles relating
    to this article. I wish to read even more issues about it!

  443. I think this is one of the most significant info
    for me. And i’m glad reading your article. But wanna
    remark on few general things, The site style is wonderful,
    the articles is really excellent : D. Good job, cheers

  520. After study a couple of of the weblog posts on your web site now, and I really like your way of blogging. I bookmarked it to my bookmark website record and can be checking again soon. Pls try my web page as nicely and let me know what you think.

  570. Simply want to say your article is as amazing. The clarity for your publish is simply great and i could suppose you’re an expert on this subject. Fine with your permission let me to take hold of your RSS feed to stay updated with drawing close post. Thanks one million and please keep up the enjoyable work. Hello there, I discovered your site by means of Google at the same time as searching for a related matter, your web site came up, it seems to be great. I’ve bookmarked it in my google bookmarks.