Banco Santander ya sanar da haɗin gwiwar Openbank da Santander Consumer Finance a Turai in a kadai doka mahaluži, tare da manufar yin aiki da kuɗaɗen mabukaci a ƙarƙashin tutar Bankin Banki. Motsi, wanda aka tsara a cikin kasuwancin ku Digital Consumer Bank, yana neman sauƙaƙe tsarin, samun ƙarfi, da ƙarfafa ƙimar ƙima ga abokan ciniki da abokan tarayya.
Alamar dijital ta ƙungiyar, Bankin Banki, za a ci gaba da fitar da su a kasuwannin Turai kuma za su kula da bambanta "da Santander". A cewar ƙungiyar, ƙungiyar za ta sauƙaƙe a mafi fadi samfurin kasida da ƙwarewa mai mahimmanci, goyon bayan tsarin fasaha na yau da kullum da matakai masu sauƙi ga masu amfani da masu haɗin gwiwa.
Haƙiƙa ɗaya da alamar gama gari
Shirin ya tanadi samar da a mahaɗan doka ɗaya a Turai - shiri kamar yadda Open Bank SA- wanda zai maida hankali kan kasuwancin mabukaci na kungiyar a yankin. Za a shirya duk ayyukan kasuwanci a ƙarƙashin Alamar Openbank, wanda zai zama laima ga harkokin banki na yau da kullun, ba da kuɗi, biyan kuɗi, da saka hannun jari, tare da hatimin ƙungiyar banki.
Tsarin yana farawa da haɗewar ƙungiyoyin doka a Spain, ƙarƙashin izini na tsari, da kuma Ƙarfafa aiki a Jamus. Jamus za ta kasance kasuwa ta farko da za ta hade a matakin kasuwanci, kuma za a ci gaba da aiwatarwa daga baya, a cikin tsari, a cikin sauran ƙasashen Turai inda kasuwancin masu amfani ke aiki.
Kalanda da iyakokin yanki
Za a fara canji a cikin Spain da Jamus don yadawa zuwa wurare kamar Italiya, Austria, Faransa, Portugal, Poland ko Netherlands. A Turai, Kudin Kasuwancin Santander yana da gaban a ciki Kasashen 18, ƙyale bankin ya tura alamar Openbank tare da isashen Turai wanda ba a taɓa gani ba a cikin ƙungiyar.
Tare da wannan canji, banki sannu a hankali zai yi ritaya alamar "Mabukaci" a Turai kuma zai ba da fifiko ga Bankin Banki, Alamar da ke da karfin dijital mai ƙarfi da ƙimar shawarwari mai girma (NPS) a cikin manyan kasuwannin sa. Manufar ita ce a cimma wani keɓaɓɓen ainihi wanda ke sauƙaƙe ganewa da kuma guje wa kwafi.
Me ke canzawa ga abokan ciniki da abokan tarayya
Masu amfani da ikon ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da ikon amfani da sunan kamfani biyu za su amfana hanyar shiga guda ɗaya zuwa banki, kudade da ayyuka Hanyoyin Biyan, tare da ƙarin matakai masu sauƙi da ƙwarewa mai dacewa a duk tashoshi. Haɗin fasaha zai ba da izini sauƙaƙe hanyoyin, inganta lokutan amsawa da haɗa ayyuka a ƙarƙashin ƙa'idodi gama gari.
Hanyar sadarwa na abokan kasuwanci - masana'antun kera motoci, dillalai da dillalai - za su yi aiki tare da dandalin hadin kai, wanda zai sauƙaƙe ƙarin tayin gasa da hanyoyin samar da kuɗi da sauri a wurin siyarwa. Ƙungiyar ta yi niyyar ƙarfafa kyautar ta B2B2C tare da kayan aikin dijital da yarjejeniyoyin duniya.
Girman haɗin gwiwar kasuwancin ya dace: SCF ya wuce Yuro biliyan 140.000 a cikin ƙarar kuɗi kuma, tsakanin samfuran biyu, Suna hidima kusan sabbin abokan ciniki 16.000 a rana a TuraiWannan girman tushen abokin ciniki da ayyuka zai sauƙaƙe ɗaukar haɗin gwiwa da samun inganci.
Ƙarfin buɗe banki da labaran samfur
Openbank ya rigaya yayi, a cikin kasuwanni daban-daban, a Robo Advisor zuba jari mai sarrafa kansa da kuma a dillali tare da kayan aikin tushen AI wanda ke kimanta farashin da aka yi niyya don amincin ƙasashen Turai da Amurka. Ƙari ga haka, ƙungiyar ta haɗa siye da siyarwa cryptocurrencies don kammala yanayin yanayin zuba jari.
A halin yanzu, Openbank yana aiki a Spain, Jamus, Portugal da Netherlands. kuma ya fara fadada duniya a ciki Amurka da MexicoWannan fadadawar transatlantic zai ci gaba, yayin da Haɗin da aka sanar yana iyakance ga Turai, barin barin rabon mabukaci a Amurka.
Ƙungiya, aiki da hanyar sadarwa ta jiki
A ciki, kamfanin zai daidaita ƙungiyoyi na Santander Consumer (kimanin ma'aikata 11.500) y Openbank (ma'aikata 156) karkashin gudanarwa na kowa. Kungiyar ta nuna cewa babu wani gyara na ma'aikata da aka shirya ko canje-canje a yanayin aiki saboda haɗuwa.
Dangane da hanyar sadarwa, Mabukaci yana da ofisoshi 266 a Turai (43 a Spain) wanda, galibi ya karkata zuwa ga abokan tarayya, za su yi amfani da su Alamar Openbank. Canjin zai iya haifar da a karin samfurin matasan, Haɗa kusancin jiki a mahimman wurare tare da ikon tashoshi na dijital.
Gudanar da DCB, jagoranci, da ƙididdiga
A saman, mulki ya kasance mai karko tare da Ana Botin a matsayin shugaban kasa kuma Javier Monzon y Sebastian Gunningham a matsayin mataimakan shugaban kasa. A cikin gudanarwar gudanarwa, sun yi fice Victoria Roig a shugaban Consumer Finance da Petri Nikkilä a matsayin Shugaba na Openbank, wanda kuma ke jagorantar Santander Jamus, yana nuna haɗakar hangen nesa na kasuwanci.
Naúrar Digital Consumer Bank yana ba da gudummawa kusa da 14% na sakamakon kungiyar kuma an rubuta Yuro miliyan 1.043 na riba a farkon rabin 2025. Tare da haɗin kai, bankin yana nufin rage ka'idoji da farashin gudanarwa, kawar da overlaps da kuma hanzarta canjin dijital su don yin gasa tare da sababbin fintechs.
Mataki na gaba
Tsarin zai fara da haɗewar doka a Spain da kuma aiki haduwa a Jamus, dukansu suna ƙarƙashin izini, don fitar da alamar Openbank a cikin sauran Turai. Bankin zai ci gaba da inganta yarjejeniyoyin tare da abokan hulɗa masu mahimmanci-kamar Apple, Amazon ko Vodafone-, key a cikin kwanan nan ci gaban kasuwancin haɗin gwiwa a cikin ƙasashen Turai daban-daban.
Juyowa zuwa mahaluki daya da dandamali na kowa A Turai, yana da niyyar tsara kasuwancin mabukaci na ƙungiyar, haɓaka ƙwarewar abokin ciniki, da ƙarfafa fasahar fasaha da kasuwancin Openbank. Idan tsarin lokaci ya cika kuma haɗin kai ya ci gaba da kyau, sabon tsarin zai ba Santander damar yin gasa tare da inganci da daidaiton alama a duk kasuwannin Turai.
