La teorÍa de la banca y la falacia de la innovaciÓn disruptiva en los servicios financieros

Abstract

Exercise Banking is, above all, a question of trust between parties, in which one of them - the client - confesses how much he thinks worth, hoping that the other party will keep this information for its exclusive orientation in the development of the business relation. The core issue of exercise banking is whether or not to implement a strategy (whatever it is) should be anchored in a given and assumed organizational culture (whatever it is). Traditional banking, in general, seemed to believe little in Strategy, or rather, used the term and some related practices to overcome the propensity to manage almost always and only in the short termism of taking advantage of successive conjunctures. Considering that excellence can’t be reduce to the mere characterization of technological innovation or processes, the product/service of excellence presupposes the design, development and monitoring always and only from the perspective of the end user/beneficiary/client.