P\u0113d\u0113jo gadu laik\u0101 banku nozare ir main\u012bjusies strauj\u0101k nek\u0101 vair\u0101k\u0101s iepriek\u0161\u0113j\u0101s desmitgad\u0113s kop\u0101. \u0160\u012bs p\u0101rmai\u0146as nav tikai par jauniem digit\u0101liem risin\u0101jumiem vai tehnolo\u0123iju ievie\u0161anu \u2013 t\u0101s iez\u012bm\u0113 b\u016btisku dom\u0101\u0161anas un darb\u012bbas mode\u013ca mai\u0146u.<\/p>\n
M\u016bsdien\u0101s konkurences priek\u0161roc\u012bba veidojas krustpunkt\u0101 starp klientu gaid\u0101m un tehnolo\u0123iju iesp\u0113j\u0101m. Ta\u010du iz\u0161\u0137iro\u0161ais jaut\u0101jums nav par to, k\u0101das tehnolo\u0123ijas banka izmanto, bet gan, k\u0101dam m\u0113r\u0137im t\u0101s tiek izmantotas.<\/p>\n
Finan\u0161u tehnolo\u0123ijas nosaka tempu, nevis noteikumus<\/p>\n
Banku klienti sagaida pakalpojumus re\u0101llaik\u0101, intuit\u012bvu pieredzi un vienk\u0101r\u0161\u012bbu, kas neprasa piep\u016bli. Taj\u0101 pa\u0161\u0101 laik\u0101 bank\u0101m ir j\u0101sp\u0113j nodro\u0161in\u0101t dro\u0161\u012bbu, stabilit\u0101ti un uztic\u012bbu. Viens no svar\u012bg\u0101kajiem m\u016bsdienu banku darb\u012bbas izaicin\u0101jumiem ir vienm\u0113r\u012bga, intuit\u012bva un dro\u0161a lietot\u0101ja pieredze digit\u0101laj\u0101 vid\u0113. Bankas arvien vair\u0101k invest\u0113 tehnolo\u0123ij\u0101s, automatiz\u0101cij\u0101 un m\u0101ksl\u012bgaj\u0101 intelekt\u0101, jo klienti to jau ir pieradu\u0161i sa\u0146emt no finan\u0161u tehnolo\u0123iju (\u201cfintech\u201d) uz\u0146\u0113mumiem \u2013 \u0101trus un \u0113rtus risin\u0101jumus, kas darbojas re\u0101llaik\u0101.<\/p>\n
\u201cFintech\u201d uz\u0146\u0113mumi ir rad\u012bju\u0161i nozarei daudz vesel\u012bgas konkurences \u2013 tie ir iem\u0101c\u012bju\u0161i lietot\u0101jiem piepras\u012bt \u0101trumu, skaidr\u012bbu un vienk\u0101r\u0161\u012bbu. T\u0101 jau ir k\u013cuvusi par tirgus higi\u0113nu, nevis priek\u0161roc\u012bbu. \u0160odien klienti bankas nesal\u012bdzina sav\u0101 starp\u0101 \u2013 vi\u0146i sal\u012bdzina t\u0101s ar pieredz\u0113m, ko piedz\u012bvo ikdien\u0101. Ja \u0113dienu var pas\u016bt\u012bt un sa\u0146emt da\u017eu sekun\u017eu laik\u0101, tad tikpat liela vienk\u0101r\u0161\u012bba tiek sagaid\u012bta ar\u012b, sa\u0146emot finan\u0161u pakalpojumus.<\/p>\n
Pat\u0113r\u0113t\u0101ji k\u013c\u016bst ne tikai digit\u0101l\u0101ki, bet ar\u012b maz\u0101k loj\u0101li. Ja risin\u0101jums ir sare\u017e\u0123\u012bts, l\u0113ns vai neatbilst gaid\u0101m, klients ir gatavs main\u012bt pakalpojumu sniedz\u0113ju. To apliecina ar\u012b starptautisk\u0101s konsult\u0101ciju komp\u0101nijas \u201cMcKinsey & Company\u201d p\u0113t\u012bjumi. Liel\u0101k\u0101 da\u013ca lietot\u0101ju v\u0113l\u0113tos, lai vi\u0146u galven\u0101 banka pied\u0101v\u0101tu m\u0101ksl\u012bg\u0101 intelekta risin\u0101jumus, un gandr\u012bz visi atz\u012bst, ka ilgtermi\u0146\u0101 p\u0101rietu pie cita pakalpojumu sniedz\u0113ja, ja pa\u0161reiz\u0113j\u0101 banka netur\u0113tu l\u012bdzi \u0161\u012bm tehnolo\u0123iskaj\u0101m p\u0101rmai\u0146\u0101m.<\/p>\n
Tom\u0113r l\u012bdz\u0101s konkurencei par\u0101d\u0101s ar\u012b arvien vair\u0101k saskares punktu \u2013 n\u0101kotnes banku nozare neb\u016bs \u201cbankas pret fintech\u201d, bet gan \u201cbankas kop\u0101 ar fintech\u201d. Apvienojot \u0161\u012bs pasaules, iesp\u0113jams rad\u012bt vair\u0101k, nek\u0101 katrai no t\u0101m b\u016btu pa sp\u0113kam atsevi\u0161\u0137i. Viens no piem\u0113riem ir m\u016bsu pa\u0161u inici\u0113tais projekts \u201cKlix\u201d. Tas rad\u0101s bankas iek\u0161ien\u0113, ta\u010du darbojas k\u0101 patst\u0101v\u012bga tehnolo\u0123iju platforma, kas apvieno tirgot\u0101jus, lietot\u0101jus un finan\u0161u risin\u0101jumus. \u0160\u0101di mode\u013ci par\u0101da, ka bankas sp\u0113j str\u0101d\u0101t \u201cfintech\u201d temp\u0101, vienlaikus pied\u0101v\u0101jot ar\u012b uzticam\u012bbu, regulat\u012bvo kompetenci un darb\u012bbas m\u0113rogu.<\/p>\n
Digit\u0101lie kan\u0101li \u2013 galven\u0101 klientu izv\u0113le<\/p>\n
Bankas strauji p\u0101rtop par tehnolo\u0123iju uz\u0146\u0113mumiem ar bankas licenci \u2013 pakalpojumi m\u016bsdien\u0101s tiek veidoti, balstoties uz tehnolo\u0123ij\u0101m, nevis agr\u0101ko procesu lo\u0123iku. Lieliska iedvesma k\u0101 nodro\u0161in\u0101t izcilu klientu pieredzi, ko var p\u0101r\u0146emt ar\u012b bankas, manupr\u0101t, ir t\u0101di uz\u0146\u0113mumi k\u0101 \u201cNetflix\u201d, \u201cAmazon\u201d vai \u201cSpotify\u201d. To liel\u0101k\u0101 priek\u0161roc\u012bba ir personaliz\u0113ta, vienk\u0101r\u0161a un teju neman\u0101ma lietot\u0101ja pieredze. Pakalpojumu sniedz\u0113js proakt\u012bvi pied\u0101v\u0101 klientam tie\u0161i to, kas vi\u0146am ir vajadz\u012bgs, balstoties uz uzved\u012bbu.<\/p>\n
Pirms desmit gadiem bij\u0101m diezgan tradicion\u0101la banka, ta\u010du strat\u0113\u0123iski izv\u0113l\u0113j\u0101mies virzienu, kur\u0101 klienta pieredze ir atskaites punkts. Tas noz\u012bm\u0113ja ieguld\u012bjumus digit\u0101lajos risin\u0101jumos un konsekventu procesu pilnveidi. B\u016bt\u012bb\u0101 esam k\u013cuvu\u0161i par \u201cbanku klienta kabat\u0101\u201d, kas jebkur\u0101 br\u012bd\u012b pieejama vi\u0146a viedt\u0101lrun\u012b.<\/p>\n
Bankas Citadele dati liecina, ka \u0161odien 9 no 10 klientiem izmanto digit\u0101los kan\u0101lus, un liel\u0101k\u0101 da\u013ca savus finan\u0161u dar\u012bjumus veic mobilaj\u0101 lietotn\u0113 \u2013 s\u0101kot no konta atv\u0113r\u0161anas l\u012bdz pat kred\u012btiem vai apdro\u0161in\u0101\u0161anas l\u012bgumiem. Savuk\u0101rt rut\u012bnas uzdevumus arvien bie\u017e\u0101k p\u0101r\u0146em tehnolo\u0123ijas un m\u0101ksl\u012bgais intelekts (MI). Bankas MI sarunu asistente Adele \u0161obr\u012bd atbild aptuveni uz 80 % klientu jaut\u0101jumu.<\/p>\n
Tas \u013cauj klientiem sa\u0146emt atbildes acumirkl\u012b, bet darbiniekiem koncentr\u0113ties uz sare\u017e\u0123\u012bt\u0101k\u0101m situ\u0101cij\u0101m, kur nepiecie\u0161ama liel\u0101ka cilv\u0113ka iesaiste. Tas raisa ar\u012b pla\u0161\u0101ku jaut\u0101jumu \u2013 vai n\u0101kotn\u0113 \u201cbanku darb\u012bba bez cilv\u0113ka iesaistes\u201d k\u013c\u016bs par realit\u0101ti? Lai gan tehniski tas ir iesp\u0113jams jau \u0161odien, banku pakalpojumi p\u0113c savas b\u016bt\u012bbas ir cie\u0161i saist\u012bti ar uztic\u012bbu, sare\u017e\u0123\u012btiem dz\u012bves l\u0113mumiem un emocion\u0101li jut\u012bg\u0101m situ\u0101cij\u0101m. Ikdien\u0101 redzam \u2013 jo strauj\u0101k att\u012bst\u0101s tehnolo\u0123ijas, jo augst\u0101k tiek nov\u0113rt\u0113ta sirsn\u012bga, individu\u0101la konsult\u0101cija. T\u0101p\u0113c mums ir svar\u012bgi, lai digit\u0101lie risin\u0101jumi neaizst\u0101tu cilv\u0113ku, bet gan stiprin\u0101tu vi\u0146a iesp\u0113jas un pal\u012bdz\u0113tu rad\u012bt v\u0113rt\u012bbu klientiem.<\/p>\n
Tehnolo\u0123ijas ir l\u012bdzeklis, cilv\u0113ks \u2013 m\u0113r\u0137is<\/p>\n
Tehnolo\u0123ijas bank\u0101m sniedz \u0101trumu, efektivit\u0101ti un iesp\u0113ju pied\u0101v\u0101t individu\u0101l\u0101kus pakalpojumus. Ta\u010du banku darb\u012bbas b\u016bt\u012bba paliek nemain\u012bga \u2013 uz uztic\u012bbu un ilgtermi\u0146a attiec\u012bb\u0101m balst\u012btas attiec\u012bbas ar klientu.<\/p>\n
Ticu, ka n\u0101kotnes konkurences priek\u0161roc\u012bba b\u016bs atkar\u012bga ne tikai no algoritmu precizit\u0101tes, bet ar\u012b no sp\u0113jas saglab\u0101t cilv\u0113c\u012bbu digit\u0101laj\u0101 vid\u0113. M\u016bsu princips ir vienk\u0101r\u0161s: tehnolo\u0123ijas ir tikai l\u012bdzeklis, bet cilv\u0113ka vajadz\u012bbas \u2013 m\u0113r\u0137is. Kad inov\u0101cijas kalpo cilv\u0113kam, nevis sist\u0113mai, rodas \u012bsts progress.<\/p>\n
\u0160\u0101da pieeja ir nobriedu\u0161\u0101ks banku att\u012bst\u012bbas virziens \u2013 proti, t\u0101ds, kur progress tiek v\u0113rt\u0113ts ne vien p\u0113c datu apstr\u0101des \u0101truma, bet ar\u012b p\u0113c sp\u0113jas rad\u012bt uzticamu un uz cilv\u0113ku v\u0113rstu pieredzi. Visbeidzot tie\u0161i \u0161is l\u012bdzsvars starp tehnolo\u0123ij\u0101m un cilv\u0113c\u012bbu k\u013c\u016bs par patieso n\u0101kotnes banku darb\u012bbas m\u0113rauklu.<\/p>\n","protected":false},"excerpt":{"rendered":"P\u0113d\u0113jo gadu laik\u0101 banku nozare ir main\u012bjusies strauj\u0101k nek\u0101 vair\u0101k\u0101s iepriek\u0161\u0113j\u0101s desmitgad\u0113s kop\u0101. \u0160\u012bs p\u0101rmai\u0146as nav tikai par…\n","protected":false},"author":2,"featured_media":109143,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[869,77,870,76,867,35,39,38,36,37,34,871,868,40,21],"class_list":{"0":"post-109142","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-biznesa-zinas","9":"tag-bizness","10":"tag-bizness-latvija","11":"tag-business","12":"tag-dienas-zinas","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-biznesa-zinas","20":"tag-latvijas-zinas","21":"tag-lv","22":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115926199383807809","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/109142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=109142"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/109142\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/109143"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=109142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=109142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=109142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}