Experts reveal how invisible technologies are revolutionizing the Argentine and regional financial system. Full details on iProUP.
In the midst of digital transformation, banks in Latin America – and especially those in Argentina – are increasingly relying on technological tools that operate invisibly to users. Artificial Intelligence, process automation and real-time analysis make it possible to create a new banking experience, which happens frictionlessly and often without the customer noticing.
This phenomenon, known as invisible banking, is at the heart of the strategy of the main institutions in the region. This model seeks to anticipate the user and act even before the customer expresses a need.
“Invisible banking is already a reality. Today, a transfer, a payment or a management of benefits can be resolved without human intervention or visible interaction on the part of the customer,” experts point out.
Technology that acts without being seen
Unlike traditional models, where the customer had to go through multiple steps to access products or services, invisible banking operates with real-time data and automated decisions that optimize each point of contact with the user.
“For example, when a customer stops using a card, most financial institutions offer benefits the following month. But it is too late: the customer changed his behavior and probably his bank. If the problem is detected in real time, it can be corrected before that happens,” they explain.
How invisible banking works in practice
Invisible banking is not a theory: it is already being implemented in multiple institutions in Latin America and also in Argentina.
Examples by experts include:
- A customer starts using a competitor’s card more: the system detects it and offers them a promotion in real time.
- It is identified that the customer has expenses greater than his income: he is automatically offered a credit.
- Stop using home banking: receive an incentive to use the app again.
All this without the need for forms or manual intervention. The system analyzes behavior and executes actions autonomously, always within the legal and regulatory framework.
Why this technology redefines the banking business
Experts say that the change is not only technological, but also strategic. Invisible banking allows you to reduce costs, improve customer retention and increase satisfaction. In addition, it positions banks as active actors in the daily lives of users, without them having to deal with cumbersome processes.
Invisible banking represents a new paradigm: a more efficient, personalized and silent financial system, which is already underway in Latin America.
