I-BBVA Germany Imaka Unyaka Wokuqala Ngezinhlelo Eziqinile Zokukhula Nokukhulisa

Isazi se-Cryptologist » Izinhlamvu zemali » I-BBVA Germany Imaka Unyaka Wokuqala Ngezinhlelo Eziqinile Zokukhula Nokukhulisa

Ngemva konyaka owodwa iqalise ukusebenza kwayo kwebhange ledijithali eJalimane, i-BBVA ibike unyaka wokuqala ophumelelayo ophawulwe ukuthengwa okukhulu kwamakhasimende nokuzibandakanya . Leli bhange, elangena emakethe yaseJalimane ngesiphakamiso esihlanganisa ukulula kwedijithali nokwethenjwa kwesikhungo esikhulu saseYurophu, selivele lidonse inani lamakhasimende ayisithupha. Ngokusho kukaJürgen von der Lehr, inhloko yebhange ledijithali e-BBVA Germany, unyaka wokuqala 'kwakuwunyaka wokufunda futhi, ngaphezu kwakho konke, unyaka wokuqinisekiswa.'

Ukuqiniseka kwebhange ukuthi kukhona indawo yohlobo oluhlukile lwesiphakamiso sebhange eJalimane kuqinise kakhulu. Amakhasimende aseJalimane abonise ukwazisa okukhulu ngokusobala, ukuphepha, kanye nekhwalithi yesevisi , ngenkathi elindele futhi ulwazi olulula nolwedijithali oluphelele. I-BBVA iphendule ngokuthuthukisa izinqubo zayo nokutshala imali ekusekelweni kwendawo, ivuma ukuthi ukukhula kokuqala 'kwakushesha kakhulu' futhi kwadala ingcindezi ekuqalisweni nasekusebenzeni kwamakhasimende.

Unyaka Wokuqinisekiswa Nokuzibandakanya Kwamakhasimende

I-BBVA Germany ayikhulisanga nje kuphela isisekelo sayo samakhasimende kodwa futhi ithole nezilinganiso zokuzibandakanya ezihlaba umxhwele . Cishe ama-60% amakhasimende ayasebenza nyanga zonke, ngaphezu kwesilinganiso samabhange edijithali. I-Net Promoter Score (NPS) nayo ingaphezu kakhulu kwesilinganiso semakethe, yize ibhange lihlose ukuyithuthukisa njalo. Ngaphezu kwalokho, ama-75% amakhasimende axhasa ama-akhawunti awo ezinyangeni eziyisikhombisa zokuqala, kanti ama-85% alawo ayaqhubeka nokugcina imali kuma-akhawunti awo ngemva kwesikhathi sokukhushulwa. Lezi zibalo zibonisa ukuthi amakhasimende ahlanganisa i-BBVA empilweni yawo yezezimali yansuku zonke.

Ikhwalithi yokukhula yinto ebalulekile. Ebhange ledijithali, ukuheha amakhasimende kuyisinyathelo sokuqala nje; ukuwagcina nokukhuthaza ukusetshenziswa njalo yikho okubalulekile. Idatha ye-BBVA ikhombisa ukuthi amakhasimende amaningi asebenzisa ama-akhawunti awo ngenkuthalo njalo ngenyanga, okubonisa izinga eliqinile lokuthembana nokuzibandakanya. Ibhange libheka lezi zilinganiso njengezibaluleke kakhulu kunezinombolo zamakhasimende ezingavuthiwe, njengoba zibonisa ukwakhiwa kobudlelwano besikhathi eside.

Kungani iJalimane? Isinyathelo Esinobuqhinga

IJalimane ivelele ngezici ezintathu ezikhangayo : ingumnotho omkhulu kunayo yonke eYurophu, inesiko eliqinile lokonga imali, futhi ishintshashintsha ngokwedijithali futhi inendawo enkulu yokuthuthuka. I-BBVA ithole impikiswano: naphezu kokuba ingenye yezizwe eziqinile kakhulu zokonga imali eYurophu, ingxenye enkulu yokonga imali yaseJalimane isekhona kuma-akhawunti amanje nalawo atholakala ngokushesha akhiqiza imbuyiselo encane kakhulu. Idatha ye-Bundesbank ikhombisa ukuthi ama-€1.9 trillion agcinwe kumadiphozithi abonakalayo, okusho ukuthi amakhasimende amaningi awakhulisi imali yawo.

I-BBVA yayingafuni ukungena emakethe ngokumane inikeze uhlelo lokusebenza olungcono noma izinga lenzalo elikhangayo lokwethula. Kunalokho, yayihlose ukuhlanganisa ukwethenjwa, amandla ezezimali, kanye nobuchwepheshe bebhange elineminyaka engaphezu kwengu-168 yomlando kanye nokushesha, ukucaca, kanye nobulula bebhange ledijithali lesimanje. Lokhu kuyaqhubeka nokuba yisici esiyinhloko esihlukanisayo sebhange.

Ukwakha iBhange Ledijithali Eliphelele

Ngonyaka owodwa nje kuphela, i-BBVA Germany yakhe umnikelo obanzi kakhulu kunalokho obekulindelwe, okuhlanganisa amadiphozithi, izixazululo zokuboleka imali, imikhiqizo yomshuwalense, kanye nekhadi lesikweletu elisebenziseka kalula. Ibhange liphinde lasungula ukuhlanganiswa kwe-ChatGPT, libonisa ukuzibophezela kwalo emisha. Lokhu kusheshisa kokusebenza kungenzeka ngoba i-BBVA isebenzisa ulwazi, ubuchwepheshe, kanye namakhono e-BBVA Group ebanzi, enamashumi eminyaka yobuchwepheshe ekubolekeni imali, ekuphathweni kwezingozi, kanye nasezinkundleni zobuchwepheshe.

Inhloso yaleli bhange ukuba yibhange ledijithali elisebenza emhlabeni wonke , elifana nemodeli yalo ephumelelayo e-Italy, lapho laqala khona nge-akhawunti yamanje futhi manje linikeza izikweletu, izimali mboleko zezindlu, umshwalense, kanye nezixazululo zokutshalwa kwezimali. EJalimane, amakhasimende asengakwazi kakade ukonga, ukuboleka, ukukhokha, nokuthola isivikelo ngeplatifomu eyodwa. Ibhange lihlela ukuqhubeka nokwandisa ukunikezwa kwalo, ngokugxila ekwenzeni ushintsho oluvela ekongeni luye ekutshalweni kwezimali kwesikhathi eside lube lula futhi lufinyeleleke kalula.

Ukulalela Amakhasimende aseJalimane

Amakhasimende aseJalimane awagcini ngokugcina imithetho ngoba amelana noshintsho; adinga nje izizathu eziqinile zokuthembana . Uma ukwethembana sekusunguliwe, ukwamukelwa kwedijithali kwenzeka ngokushesha. Ukuphepha kuyinto ebalulekile, okuholela i-BBVA ekuchazeni izici ezifana nekhadi layo ngaphandle kwezinombolo eziphrintiwe kanye ne-CVV enamandla, eshintsha ngokuzenzakalelayo njalo ngemizuzu embalwa yokuvikela ukuthenga ku-inthanethi. Amakhasimende ayazazisa lezi zici uma eseqonda inani lazo.

Insizakalo yomuntu siqu nayo iyaziswa kakhulu. Nakuba amakhasimende efuna ulwazi oluphelele lwedijithali, awafuni ukuzizwa eyedwa lapho kuvela izinkinga ezibalulekile. I-BBVA itshale imali eqenjini lensizakalo yamakhasimende elinabasebenzi bangempela , elitholakala amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto ngesiJalimane, futhi liqinisa ukuba khona kwalo endaweni ngesikhungo sokusekela eBerlin. Ibhange liphinde lasabela ezimpendulweni ngokulungisa imikhawulo yokudlulisela nokwenza kube lula ukuyishintshashintsha.

Yini elandelayo nge-BBVA eJalimane?

Uma sibheka phambili, izinto eziza kuqala eJalimane i-BBVA zicacile: qhubeka nokwandisa umkhiqizo onikezwayo , uqinise amakhono enkonzo yamakhasimende, ulalele ngokucophelela izidingo zemakethe, futhi wandise inani lamakhasimende asebenzisa i-BBVA njengengxenye ebalulekile yempilo yawo yezezimali. Unyaka wokuqala wawumayelana nokubeka isisekelo; unyaka wesibili umayelana nokuqinisa ubudlelwano namakhasimende.

Ibhange liyavuma ukuthi ukukhula kokuqala bekushesha kakhulu, kodwa liphendule ngokuthuthukisa izinqubo, ukwandisa amandla esevisi , kanye nokutshala imali ekusekelweni kwendawo. Njengoba inesakhiwo sezimali esiqinile kanye nombono wesikhathi eside, i-BBVA izibophezele ekuhlinzekeni ngenani eliqhubekayo ngokusobala futhi kungekho okumangazayo. Le ndlela ibaluleke kakhulu eJalimane, lapho abantu abaningi benokonga okukhulu kodwa ingxenye enkulu isasele kuma-akhawunti anenzuzo ephansi.

Ngamafuphi, i-BBVA Germany iqede ngempumelelo unyaka wayo wokuqala , ifinyelela isisekelo samakhasimende esinabantu abayisithupha, amazinga aphezulu okuzibandakanya, kanye nephothifoliyo yomkhiqizo ekhulayo. Isu lebhange lokuhlanganisa ukusungula izinto ezintsha kwedijithali nokwethenjwa kwesikhungo esikhulu saseYurophu liye lathinta amakhasimende aseJalimane. Njengoba ingena onyakeni wayo wesibili, i-BBVA igxile ekujuliseni ubudlelwano namakhasimende kanye nokwandisa ukunikezwa kwayo kwebhange ledijithali jikelele, ngokugcizelela kakhulu ekubonakaleni, ukuphepha, kanye nokusekelwa kwendawo.