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...

The segmented commercial management of clients in the banking sector can generate increases in commercial efficiency of between 20% and 35% in Individual Banking, Personal Banking and SME Banking.(1) An adequate strategic segmentation and the implementation of a segmented commercial management model...

It is increasingly important to know customers better in order to be able to anticipate their changing needs over time. In this way, it is necessary to know their purchasing habits, their consumption profile, their life cycle, their degree of loyalty, their current and future value, etc. The retail...

Dear reader, After months of an unstable panorama that has defined 2011 as a year marked by promotion and price wars in the retail field, we finally look forward to the motivation that the upcoming holidays represent for the sector. With Christmas just around the corner, manufacturers and distributo...

In the absence of a month to close the year 2011, we can affirm that the evolution of the insurance sector in Spain in comparison with other economic sectors has been satisfactory. According to ICEA, income from insurance premiums in Spain reached the figure of 45,353 million euros in the first nin...

Dear reader, In an environment still marked by financial instability, we have reached the last months of 2011; a period in which the crisis has been, after the second consecutive year, the great protagonist in a context where the war on deposits, the greater provisions and the difficult access to c...

Dear reader, With 2012 just released, a new year begins in which the predominant note of the experts’ forecasts continues to be caution, since the slight growth that is expected will be due to inflation, despite the fact that consumers will maintain their level spending and low prices prevail ...