The synergy of remote banking and speech technologies

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Speaking about the customer journey in 2035, experts from Rosselkhozbank note that we can already observe the construction of a socially oriented banking model: the bank peru mobile number database is becoming more and more personalized, and analytical systems are improving and providing each client with personalized offers for loans and other services. "The presence of a digital profile, which will be created by the state, will simplify the work of making decisions about providing services to clients for each citizen. The profile will reflect all the necessary data: balance, current loans, the degree of loyalty of the bank's client, credit rating, etc. All this will enable the client to receive bank services that can be provided to him in full and in the shortest possible time," they are sure.

According to forecasts by experts from Rosselkhozbank, bank branches of the future will not just be service delivery points, but multifunctional workspaces. According to them, in the next ten years, bank branches may become places where clients can physically meet and conduct business transactions right on the spot.

Natalia Milchakova believes that such centers will most likely be formed not on the basis of banks, but on the basis of today's MFCs, which are becoming increasingly high-tech. "We can assume that in 10-12 years there will not be a large number of bank branches at all, all services will be provided through mobile applications, in extreme cases, one or two flagship offices will remain in large cities, and maybe in 20 years everyone will forget that banks once had offline branches," she believes.

Also, experts from Rosselkhozbank believe that in the future, digital currency will not differ from the usual instruments in terms of consumer capabilities. "As a result, the widespread distribution of this digital method of payment will lead to the fact that clients will stop using paper money, but will constantly carry an electronic wallet identifier. Perhaps the user's biometric data will act as an identifier - for example, a fingerprint or a face photo," the experts suggest.