Dear reader, Halfway through the year, the insurance sector continues to post positive numbers, with life insurance premiums growing by 2.89% up to March. In this fourth issue of our newsletter, we will focus our attention on the life savings business, a branch that earned 27,400 million euros in p...

The management of the relationship with the insured has evolved in recent years. Currently there are many communication channels through which to establish contact with customers, such as the network of mediators, the telephone, SMS messages or even the Internet. In addition, most companies have C...

On many occasions, regardless of the sector and the activity to which the different companies are engaged, we speak of “client” as if we were referring to an abstract entity. Most companies are not customer-oriented, their internal organization, the objectives of the different departmen...

In the current economic context, the leading financial institutions are directing their efforts to developing capacities to efficiently manage the Personal Banking customer segment. This segment has clearly differentiated needs and contributes high margins to the income statement without incurring ...

New technologies allow us to glimpse what the retail of the future may become. It is a retail designed for the customer that allows them to reduce the time they spend, make the purchase a pleasant moment, that provides them with information and their decisions, that guides them taking into account ...

The life savings business closed the 2010 financial year on the path of growth. The managed balance increased by 1.88% throughout the year, reaching 146,000 million euros. This growth has been sustained over time, with pension plan assets having increased by 0.2% during the first three months of t...

Dear reader, We are approaching the summer of the third year after Lehman Brothers and there is still no clear horizon of storms in the world economy. An economy that wants to begin to recover in an adverse context plagued by harsh international demands and rigid reforms, and in which financial inst...

A trend among the largest During the last 20 years, banking has followed a clear trend towards internationalization. This strategy has been carried out by leading banks in their countries of origin, which have focused their growth strategy on internationalization and geographical diversification. T...

Currently, the consumer is overwhelmed by a competitive environment of offers, discounts and promotions that, in an intrusive way, reach them massively through traditional channels. However, in the new era of technology, the consumer has managed to win the fight for decision-making power and mainta...

The management of the relationship with the insured has evolved in recent years. Currently there are many communication channels through which to establish contact with our clients, such as the network of mediators, the telephone, via SMS or even the Internet. In addition, most companies have CRM...