La banca en época de covid
Published date | 29 April 2021 |
Author | Andres Pumarino |
Hace una semanas en España una importante institución bancaria La Caixa Bank definió el despido del 18% de sus trabajadores y el cierre de 1.534 oficinas (27%) de sus oficinas. Mi abuelo y mi padre fueron abogados de banco, creo que iba a seguir el mismo camino, de hecho lo recorrí un tiempo desde segundo año de derecho hice de procurado de un banco y luego como abogado, hasta que vi que comenzó un proceso de reducción de tarifas y de presión para dar “mas por menos”. Trabajar para un banco o en un banco daba estatus, generaba oportunidades y era una gran opción de desarrollo profesional, muchos hicieron carrera en bancos o aún lo hacen. Pero hoy la banca está en un proceso complejo, se debe enfrentar a un nuevo escenario, muchos de los que trabajan en bancos o para bancos han visto que han comenzado a sucumbir ante el contexto de la crisis, algunos autores como Marc Vidal califican esta situación por la crisis de las disqueras y califican a los bancos como tales que están entrando en un proceso. No es menor pues desde la entrada masiva de internet las disqueras han reducido considerablemente su influencia y las plataformas on demand han venido a reemplazar a editoriales de música y a disqueras como a tiendas de música.
Hoy el contexto de las Fintech comienza a competir fuertemente con los inversores, la llegada de la criptomoneda lo hace atractivo para muchos. Los bancos tendrá que enfrentar la embestida de los grandes, como Google, Amazon, Apple, empresas que ya tienen licencias para bancos a nivel mundial, pero que pretenden empezar con sus propias plataformas de pago, pues aún no entran en el sistema financiero totalmente, desde hace un tiempo ese escenario se ve y quien no lo haya visto comete un error al no considerarlas. Las instituciones financieras, los bancos, tienen más bien un problema técnico, los anuncios de despedidos, la falta de más tecnología, revisión de procesos, muchos de sus procesos tecnológicos pueden reemplazar una gran cantidad de trabajadores, muchas sucursales no serán necesarias y tenderán al cierre.
Pronto veremos en Chile procesos más agresivos de cierre de oficinas...
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