{"id":544327,"date":"2025-03-11T07:42:35","date_gmt":"2022-04-18T06:55:00","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=868407"},"modified":"2026-01-30T10:03:22","modified_gmt":"2026-01-30T09:03:22","slug":"world-retail-banking-report","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/world-retail-banking-report\/","title":{"rendered":"World Retail Banking Report 2025"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Website-hero-banner-2880x1800-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:54% 30%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Customer first<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World Retail Banking Report 2025<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Atraer, implicar y complacer: todo por centrarse en el cliente<\/h2><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p>El panorama bancario est\u00e1 sufriendo importantes alteraciones impulsadas por el auge de las opciones de pago a distancia y sin contacto, con la tecnolog\u00eda en el sector bancario transformando las operaciones y las expectativas de los clientes cambiando r\u00e1pidamente.&nbsp; Como resultado, la competencia se est\u00e1 acelerando, los neobancos frente a los bancos tradicionales, con los proveedores de la nueva era destacando en la adquisici\u00f3n y captaci\u00f3n de clientes de banca urbana digital-first a trav\u00e9s de soluciones centradas en el cliente. Al mismo tiempo, el crecimiento de los pagos instant\u00e1neos y los m\u00e9todos de pago alternativos, como los monederos digitales, est\u00e1 transformando el panorama bancario y ejerciendo presi\u00f3n sobre las fuentes de ingresos tradicionales de los bancos.<\/p>\n\n\n\n<p>El Informe Mundial sobre la Banca Minorista 2025 refleja las opiniones de 8.000 clientes del sector, a los que se pregunt\u00f3 sobre sus experiencias financieras y preferencias bancarias, productos (especialmente tarjetas) y servicios; as\u00ed como de 700 empleados de banca, pertenecientes a equipos de ventas y marketing. En ambos grupos participaron encuestados de 11 mercados representativos de todas las regiones del mundo: Am\u00e9rica, Europa y Asia-Pac\u00edfico. Adem\u00e1s, el informe incluye los resultados de 200 entrevistas y encuestas a altos ejecutivos de bancos l\u00edderes de todo el mundo.<\/p>\n\n\n\n<p>El an\u00e1lisis de nuestro informe sobre banca retail sugiere que los bancos luchan por convertir a los clientes potenciales en clientes, y despu\u00e9s de la conversi\u00f3n no consiguen satisfacerlos: s\u00f3lo el 26% de los clientes est\u00e1n satisfechos con sus experiencias bancarias actuales relacionadas con las tarjetas.1 En respuesta, los bancos necesitan un nuevo enfoque para crear recorridos del cliente fluidos e interconectados. Adoptar una estrategia de volante de inercia puede ofrecer una v\u00eda transformadora para fortalecer las relaciones con los clientes de tarjetas y desbloquear nuevas fuentes de ingresos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Atraer:<\/strong> Captar la atenci\u00f3n en un mercado competitivo ofreciendo ventajas diferenciadas en la tarjeta y aprovechando las plataformas digitales; integre recompensas personalizadas y ventajas exclusivas para garantizar que los nuevos clientes perciban un valor tangible desde el principio.<\/li>\n\n\n\n<li><strong>Implicar: <\/strong>Las experiencias del cliente personalizadas  -ya sea a trav\u00e9s de una comunicaci\u00f3n directa, asistencia en tiempo real o recompensas a medida- refuerzan el compromiso, lo que genera confianza y anima a los titulares a explorar otros productos y servicios.<\/li>\n\n\n\n<li><strong>Complacer:<\/strong> Las recompensas personalizadas, exclusivas y con aspiraciones fomentan la fidelidad a largo plazo, y es m\u00e1s probable que los clientes que se sienten valorados recomienden el banco a sus contactos.<\/li>\n<\/ul>\n\n\n\n<p>Al posicionar las tarjetas como algo m\u00e1s que herramientas de pago, los bancos pueden asegurarse un lugar destacado en las carteras de los clientes, ofreciendo soluciones personalizadas y basadas en la experiencia, y acceder a oportunidades para profundizar en las relaciones con los clientes a trav\u00e9s de una cartera m\u00e1s amplia de productos y servicios.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/01\/WRBR_Final_25_01.pdf\">Descargar ahora<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined is-style-cg-secondary-3 call-to-action-block\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper no-description\"><div class=\"text-wrapper no-description\"><h3 class=\"title\" data-maxlength=\"144\">DESTACADOS WORLD RETAIL BANKING REPORT 2025 <\/h3> <\/div><div class=\"button-wrapper no-description\"><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"true\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Los bancos se encuentran en medio de una ola transformadora.<\/p><\/div><div class=\"expander-content\"><p>La banca retail ha experimentado una importante transformaci\u00f3n en la \u00faltima d\u00e9cada, impulsada por los r\u00e1pidos avances tecnol\u00f3gicos y la evoluci\u00f3n de las expectativas de los clientes. Hoy en d\u00eda, los bancos aprovechan la innovaci\u00f3n digital para ofrecer a los clientes experiencias personalizadas y fluidas que satisfagan sus necesidades \u00fanicas a una escala sin precedentes.<br><br><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wrbr25-fig1\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 2<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Las tarjetas son una compa\u00f1ero financiero imprescindible.<\/p><\/div><div class=\"expander-content\"><p>Las tarjetas se han convertido en un compa\u00f1ero financiero esencial, evolucionando mucho m\u00e1s all\u00e1 de su papel tradicional como meras herramientas de pago. Los clientes bancarios de hoy buscan comodidad, recompensas y un valor acorde con su estilo de vida y sus aspiraciones, lo que convierte a las tarjetas en una parte crucial de su vida financiera.<br><br><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wrbr25-fig2\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 3<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Los bancos no consiguen cerrar la brecha de conversi\u00f3n de clientes.<\/p><\/div><div class=\"expander-content\"><p>Banks encounter significant challenges in attracting, acquiring, and onboarding new clients. According to the bank marketers we surveyed, several key challenges contribute to this issue.<br><br>\u00a0<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wrbr25-fig3\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 4<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Complacer a los clientes combinando las ventajas cotidianas con recompensas.<\/p><\/div><div class=\"expander-content\"><p>Los nativos digitales urbanos buscan algo m\u00e1s que ventajas econ\u00f3micas: ans\u00edan experiencias y recompensas que se ajusten a sus objetivos personales y estilos de vida. Para seguir siendo relevantes, los bancos deben hacer evolucionar sus programas de recompensas.<br><br><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wrbr25-fig4\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 5<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Aprovechar los conocimientos de los clientes para personalizar las oportunidades de servicio cruzado y de servicio ascendente.<\/p><\/div><div class=\"expander-content\"><p>Los bancos deben mirar m\u00e1s all\u00e1 de las fuentes de ingresos tradicionales y aprovechar las oportunidades para prestar servicios cruzados y ascendentes de forma eficaz. Mediante la integraci\u00f3n de las recompensas con los servicios y el aprovechamiento de los conocimientos de los clientes, los bancos pueden desbloquear nuevas fuentes de ingresos, aumentar la cuota de cartera y mejorar el valor de por vida del cliente.<br><br><br><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wrbr25-fig5\"><\/embedded>\r\n<script src=\"https:\/\/capgemini.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">M\u00e1s informaci\u00f3n<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Consultar Informes sobre la banca retail en el mundo de a\u00f1os anteriores<\/h3><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-retail-banking-report-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Retail Banking Report 2024<\/a><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-retail-banking-report-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Retail Banking Report 2022<\/a><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Notas<\/h3><\/div><div class=\"expander-content\"><p><sup>1<\/sup> Capgemini Research Institute for Financial Services analysis, 2025.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Descargo de responsabilidad\/Reconocimientos<\/h3><\/div><div class=\"expander-content\"><p>La informaci\u00f3n contenida en este informe es de car\u00e1cter general y no pretende ser asesoramiento jur\u00eddico, fiscal, de inversi\u00f3n, financiero o profesional. Capgemini no asume ninguna responsabilidad por errores u omisiones o por el uso de este material. Este informe tiene \u00fanicamente fines informativos y es posible que no responda a sus necesidades espec\u00edficas. Capgemini declina toda responsabilidad por imprecisiones en la traducci\u00f3n y proporciona la informaci\u00f3n &#8220;tal cual&#8221;, sin garant\u00edas. Capgemini no ser\u00e1 responsable de ninguna p\u00e9rdida derivada de la confianza depositada en esta informaci\u00f3n.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Conoce nuestros servicios<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/The-metrics-that-matter.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/The-metrics-that-matter.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/The-metrics-that-matter.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Customer first banking\" href=\"\/solutions\/driving-customer-centricity-in-banking-and-capital-markets\/\" target=\"\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><h3 class=\"card-subtitle\">Customer first banking<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Retail-banking-e1638447185800.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Banca retail\" href=\"https:\/\/www.capgemini.com\/es-es\/sectores\/banca-y-mercados-de-capital\/banca-comercial-y-retail\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><h3 class=\"card-subtitle\">Banca retail<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries_Capital-Markets.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Banca y mercados de capital\" href=\"https:\/\/www.capgemini.com\/es-es\/sectores\/banca-y-mercados-de-capital\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><h3 class=\"card-subtitle\">Banca y mercados de capital<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-odd layout-one-card-only is-style-default\"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Informaci\u00f3n relacionada<\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center w-lg-100\">\n                        <div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/top-tendencias-banca-retail-2025\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2048&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/01\/Retail-Banking-Landing-page-banner_2880x1800_07.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/top-tendencias-banca-retail-2025\/\" aria-label=\"Top tendencias banca retail 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Top tendencias banca retail 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><div class=\"latest-insights-load-more\"><a class=\"more2\" target=\"\" aria-label=\"See all our insights on banking and capital markets about Latest Insights Invent\" href=\"https:\/\/www.capgemini.com\/insights\/research-library\/#industry=banking-capital-markets\">See all our insights on banking and capital markets<\/a><\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10\"><h2 class=\"intro-para-title\">Casos de \u00e9xito<\/h2><\/div><\/div><\/div><\/div><\/section>\n\n\n\t<section class=\"wp-block-cg-blocks-wrapper-learning-slider section learning-slider\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"learning-header\">\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<div class=\"slider slider-fader\">\n\t\t\t\t<div class=\"slider-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n                                        \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n                                            \n                                            \n                                            \n                                            <img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/03\/Capcom-Banner_2880x1800.webp\" alt=\"\" style=\"object-position: 66% 22%;object-fit: cover\" \/>\n                                        \n\n                  \t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.capgemini.com\/news\/client-stories\/how-a-leading-financial-services-firm-set-the-stage-for-hyper-personalization\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">How a leading financial services firm set the stage for hyper-personalization<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"200\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tA new consent management platform goes beyond compliance, enabling a new level of targeted offers\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Read more sobre How a leading financial services firm set the stage for hyper-personalization\" href=\"https:\/\/www.capgemini.com\/news\/client-stories\/how-a-leading-financial-services-firm-set-the-stage-for-hyper-personalization\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t         \t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n                                        \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n                                            \n                                            \n                                            \n                                            <img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg\" alt=\"\" style=\"object-position: 59% 11%;object-fit: cover\" \/>\n                                        \n\n                  \t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.capgemini.com\/news\/client-stories\/a-leading-bank-becomes-more-customer-centric-with-personalized-offer-management\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Becoming more customer-centric with personalized offer management<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"200\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tA leading bank transformation: plan, build, and implement end-to-end offer management platform leveraging Naehas and Adobe solutions, powered by AI\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Read more sobre Becoming more customer-centric with personalized offer management\" href=\"https:\/\/www.capgemini.com\/news\/client-stories\/a-leading-bank-becomes-more-customer-centric-with-personalized-offer-management\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t         \t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n                                        \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n                                            \n                                            \n                                            \n                                            <img decoding=\"async\" loading=\"lazy\" class=\"slide-bg 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href=\"https:\/\/www.capgemini.com\/news\/client-stories\/a-leading-international-banking-group-catalyzes-customer-engagement-with-investment-research-platform\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">International banking group grows customer engagement with investment research platform<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"200\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRevenue growth driven by attracting more customers through a customer-centric digital research platform\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div 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Blanco\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2021\/04\/ramon-perez-blanco-14.jpg?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Ram\u00f3n P\u00e9rez Blanco<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Managing Director Financial Services Spain<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"Elias Ghanem\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2024\/01\/ghanem-elias-new-1.jpg?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Elias Ghanem<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Global Head of Capgemini Research Institute for Financial Services<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t<\/div><\/div><\/div><\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>El panorama bancario est\u00e1 sufriendo importantes alteraciones impulsadas por el auge de las opciones de pago a distancia y sin contacto, con la tecnolog\u00eda en el sector bancario transformando las operaciones y las expectativas de los clientes cambiando r\u00e1pidamente.<\/p>\n","protected":false},"author":81,"featured_media":567197,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"1a2e3240-9b02-4bf5-89c8-be1d521c6c1e\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"This is a new page on global (was formerly outside the global site)","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":50,"primary_term":"Customer 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