BBVA will invest around S / 750 million to transform its offices into digital rooms | Transformation would not imply closures or layoffs of workers | ECONOMY

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The pandemic accelerated the digitalization process of virtual banking in our country. If it had not been for the pandemic, said transformation would have had a slower pace, says Miguel Ángel Real, manager of Channels of According to the executive, once the turbulence of the It is time for the digital transformation of bank branches, which above all allows users of these channels to streamline their operations, self-support, as well as reduce queues.

To this end, Real argued that the BBVA Peru It will invest around S / 750 million or S / 2.5 million, on average, for each of its 300 offices, until the end of 2023, to convert them into digital rooms. This transformation, according to Real, would not imply the closure of offices or dismissal of staff, but some of its agencies could be relocated in areas where there is more influx of the public throughout the country.

“This investment represents the long-term bet of the BBVA for Peru. We are equipping staff with new skills. We are generating digital training so that they too can experience this transformation, ”said the executive.

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Real explained that the project includes the digital transformation of the first 25 offices until the end of January next year. The first of these agencies will open on October 25 in Trujillo.

“After Trujillo, [la siguiente oficina transformada] It will continue in Moquegua, Lima, Huánuco, Huancayo and Arequipa. Thus, these new office options will be throughout the country “, indicates Real.

Offices inside

According to the executive, among the main changes that the bank’s offices would undergo, in the first place, the increase in the number of ATMs for both cash withdrawals and payments stands out. Real specified that the number of ATMs will increase between 50% and 100% or more depending on the size of the agencies. In addition, the software of these machines will be modified so that the time of their operations decreases by 50%.

“First there will be a sufficient number of ATMs and second, operations will be fast and intuitive”he commented.

The bank's ATMs would increase up to 100% so that the bank's users can carry out transactions.  Their software would also be modified so that operations can be done in less time.
The bank’s ATMs would increase up to 100% so that the bank’s users can carry out transactions. Their software would also be modified so that operations can be done in less time.

Second, the new agencies will have a device or ‘segmenter’ that will allow the public to make their appointment so that they can be attended in a timely manner and without queues. This appointment option will also be included in your applications. Both at the ATMs and at the dispenser there will be agency officials to advise customers on its use, indicates Real.

Thirdly, a waiting room will be set up with a digital area, in which it will have devices so that users can carry out their transactions and finally, there will be windows for people who require them.

The executive said that, due to the pandemic, four out of 10 bank customers became digital through the use of the bank’s application and it is expected that this number may increase with the digitization of the branches. “We want to keep these three million customers who use the digital channel, but we are sure that we will have the opportunity to bring many more”, he mentioned.

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Thirdly, a waiting room will be set up with a digital area, in which it will have devices so that users can carry out their transactions and finally, there will be windows for people who require them
Thirdly, a waiting room will be set up with a digital area, in which it will have devices so that users can carry out their transactions and finally, there will be windows for people who require them

Fintech

According to Real, this process of office transformation is a trend in the Peruvian financial system, which has been made possible both by the competitive spirit of banking, as well as the formation of an ecosystem fintech In our country. “We are delighted that we have competitors who demand us, but also that there are new players like the fintech to provide more solutions ”, he commented.

Wallets

On the other hand, Real announced that the next step of Full is to allow affiliated businesses to allow direct payment of consumption using QR technology in addition to transfers. The executive also indicated that Full It is open to interoperability with Yape, the Banco de Crédito (BCP) wallet, as long as an agreement is in place for customers. However, he ruled out that there is something concrete or that work is being done on it.

“We are open to looking for an agreement that is thinking of customers and consumers. If there is a possibility, on our part we enthusiastically participate “Real concluded.

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