Colombians are changing their consumption habits of banking products, as revealed in a recent study by Temenos, a leading banking software company, according to which nationals are changing to adopt what it called 'everyday banking'.
“'Everyday banking' is a type of consumer banking habit that focuses on convenience, instant access and spontaneous decisions,” explained Enrique Ramos O'Reilly, director for Latam and the Caribbean of Temenos, who also pointed out that the company's research “shows the strong relationship between the finances of the Colombian consumers and informal networks such as their friends and family. Their innovative thinking expresses consumers' enthusiasm for adopting new technologies and more agile and simpler investment models.”
This means that every day consumers are following a so-called “tropical impulse” to make instant purchases after seeing something that catches their attention. This is where 'everyday banking' comes in to provide the tools.
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Similarly, he specified other data such as that almost half (42.9%) of the respondents made an impulse purchase on their mobile phones of between 41 and 200 thousand pesos and more than three quarters (84.8%) have made an impulse purchase on their mobile phone of up to 500 thousand pesos.
But in addition, it was found that three quarters (72.1 per cent) of the women surveyed made an impulse purchase on their mobile phones of up to 200 thousand pesos compared to just over half (54.7 per cent) of men. However, almost half (45.3%) of the men surveyed made an impulse telephone purchase of more than 200,000 pesos compared to less than a third (27.8%) of women.
According to Temenos, this could be exploited by companies by advertising effectively, something that consumers respond well to, according to the research.
“Only a quarter (28.3%) of respondents “have never been tempted” to immediately buy a product after seeing it advertised on television or on the Internet. And more than one in ten (15%) of respondents responded that they “regularly” make purchases this way, “at least once a month,” he explained.
The company's report concluded by saying that 'everyday banking', “a combination of a spontaneous, informal and mobile approach to personal finance really”, was established in Colombia and, far from leaving, should be used by banking providers to “decide how well they can adapt to this new behavior model that it promotes. the latest technology”.
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