El tiempo es dinero: ¿por qué la banca debe cambiar rápido?

Las innovaciones digitales como la banca abierta, los asesores-robot, los pagos móviles y los hackers, están obligando a los bancos tradicionales a adoptar una transformación digital rápida y eficiente.

Por Leandro Laporta *

Tradicionalmente, los bancos confían en sistemas heredados altamente complejos que han sido bastante capaces de manejar el procesamiento y la gestión de pagos. Esto significa que los sistemas de TI existentes deben adaptarse y se deben implementar nuevas tecnologías, incluso cuando el sector se esfuerza por cumplir los objetivos regulatorios. Sin embargo, la sustitución de estos sistemas plantea costos lo suficientemente altos como para que el 40% de los bancos existentes aún no hayan implementado una estrategia de transformación digital.  De acuerdo a  una encuesta realizada por Gartner el año pasado, el 45% de los CIO de la industria financiera consideran que la cultura organizacional es el mayor obstáculo para tales iniciativas digitales.

Los clientes bancarios de hoy se comunican principalmente a través de las redes sociales, mientras que los millennials, de los cuales el 86% ya utilizan solo pagos digitales, esperan que los proveedores sean tan expertos en tecnología como ellos.

De hecho, un tercio de este grupo etario se queja de que el proceso de incorporación para crear nuevas cuentas bancarias lleva demasiado tiempo, según Javelin Strategy & Research.

Nuevos usos, nuevas tecnologías

Según un estudio de PwC, el 46% de los consumidores a nivel global, utiliza solo canales digitales para comunicarse con instituciones financieras, prefiriendo no usar sucursales ni centros de llamadas. Por otra parte, de acuerdo a la Federación Latinoamericana de Bancos (FELABAN), la oferta digital que más se destaca en la región son las transferencias bancarias, los pagos de servicios públicos y los giros. Además, un 53% de los bancos permite abrir cuentas de ahorro íntegramente por Internet, una cifra modesta frente a mercados desarrollados como el europeo o norteamericano, que manejan un porcentaje del 80%.  Sin embargo, cuando se trata de productos y servicios electrónicos para permitir transferencias en el mercado de capitales la oferta es baja, pues solo un 12% de las entidades bancarias permite la compra y/o venta de acciones por medios digitales y un 18% permite acceder a fondos de inversión a través de estos canales.

A pesar del movimiento a la tecnología móvil, la confianza no es completamente digital. Los clientes aún buscan una conexión emocional cuando toman decisiones importantes, lo que significa que los bancos deben ofrecer puntos de contacto tanto físicos como en línea. Los bancos establecidos pueden explotar sus instalaciones existentes para esa milla final, mientras que los bancos digitales, como el Starling Bank (que trabaja con la oficina de correos del Reino Unido para ofrecer una presencia en la calle), encuentran socios para cerrar esta brecha. En Francia, por ejemplo, el chatbot Djingo de Orange Bank maneja más de 24 mil conversaciones semanales con clientes, mientras que los clientes de Wells Fargo en los Estados Unidos hablan con los chatbots del banco en Facebook, y retiran efectivo de los cajeros automáticos con teléfonos inteligentes, en lugar de una tarjeta.

El reto de la banca digital en América Latina

En cuanto a los desafíos en el desarrollo de la banca digital de Latinoamérica se plantea la necesidad de realizar modificaciones a los marcos regulatorios, abordar el tema de la ciberseguridad y superar la resistencia cultural al interior de los propios bancos. Los bancos de América Latina proyectan que durante los próximos cinco años tendrán que repartirse con las ‘fintech’ nuevos nichos de mercado, aunque varias de ellas consideran que sus actuales estrategias de innovación serán suficientes para mantener su liderazgo financiero.

Para administrar mejor los costos, muchos bancos están estableciendo asociaciones en las que plataformas y servicios digitales externos confiables se unen a su infraestructura existente a través de la provisión de APIs que se vinculan a sistemas bancarios heredados.

Las nuevas tecnologías de transformación digital como la inteligencia artificial, biométrica y la automatización robótica de procesos son ya una realidad en la industria financiera y nos obligan a actualizarnos diariamente. Por ejemplo, desarrollando soluciones como Orange Money y Orange Cyberdefense. Nos ayuda la experiencia global en implementación de redes y tecnología, y la capacidad de diseñar, operar y monitorear sistemas de defensa  y reaccionar frente a ciberataques. Esto es vital en la gestión del tráfico de red y  protege los activos más valiosos de las empresas y sus usuarios.

Tecnologías como realidad aumentada o blockchain, son una clara muestra de que la transformación digital recién empezó. La agilidad empresarial y socios estratégicos son esenciales para sobrevivir y prosperar en la industria bancaria que cambia rápidamente.

Visa y Mastercard ya están explorando el uso de huellas digitales para autorizar pagos con tarjeta y retiros de efectivo en cajeros automáticos. JPMorgan Chase tiene una solución que procesa 12 mil contratos de crédito en segundos, en lugar de las 360 mil horas humanas que tal procesamiento generalmente toma. Las empresas de gestión de patrimonio utilizan  la automatización robótica de procesos para ayudar a los asesores a proporcionar un mejor asesoramiento con información obtenida de múltiples fuentes de datos.

* Leandro Laporta, director de soluciones y Alianzas para América Latina de Orange Business Services

Prensa Económica

700 thoughts on “El tiempo es dinero: ¿por qué la banca debe cambiar rápido?

  1. Pingback: Google
  2. Pingback: casino bonus 500
  3. Pingback: buy viagra
  4. Pingback: Handlateknik
  5. Pingback: RoyalCBD.com
  6. Pingback: RoyalCBD
  7. Pingback: RoyalCBD.com
  8. Pingback: RoyalCBD
  9. Pingback: cbd oil cost
  10. Pingback: RoyalCBD
  11. Pingback: RoyalCBD.com
  12. Pingback: RoyalCBD
  13. Pingback: RoyalCBD
  14. Pingback: RoyalCBD
  15. Pingback: RoyalCBD.com
  16. Pingback: Royal CBD
  17. Pingback: RoyalCBD
  18. Pingback: virginia cbd
  19. Pingback: RoyalCBD.com
  20. Pingback: utah
  21. Pingback: north dakota cbd
  22. Pingback: texas cbd
  23. Pingback: ohio cbd
  24. Pingback: rhode island cbd
  25. Pingback: RoyalCBD.com
  26. Pingback: Royal CBD
  27. Pingback: Royal CBD
  28. Pingback: RoyalCBD
  29. Pingback: cbd oil minnesota
  30. Pingback: maryland
  31. Pingback: Royal CBD
  32. Pingback: Royal CBD
  33. Pingback: RoyalCBD.com
  34. Pingback: iowa
  35. Pingback: cbd oil florida
  36. Pingback: cbd oil georgia
  37. Pingback: connecticut cbd
  38. Pingback: arkansas cbd
  39. Pingback: RoyalCBD
  40. Pingback: cbd oil colorado
  41. Pingback: cbd oil arizona
  42. Pingback: RoyalCBD.com
  43. Pingback: california
  44. Pingback: RoyalCBD
  45. Pingback: Royal CBD
  46. Pingback: RoyalCBD
  47. Pingback: Royal CBD
  48. Pingback: RoyalCBD.com
  49. Pingback: Royal CBD
  50. Pingback: RoyalCBD.com
  51. Pingback: Royal CBD
  52. Pingback: RoyalCBD.com
  53. Pingback: RoyalCBD.com
  54. Pingback: Royal CBD
  55. Pingback: CBD gummies
  56. Pingback: how does cbd work
  57. Pingback: best CBD capsules
  58. Pingback: Buy Weed Online
  59. Pingback: MILF
  60. Pingback: lesbian porn
  61. Pingback: zeit sie sucht ihn
  62. Pingback: best rust maps
  63. Pingback: Fakaza
  64. Pingback: Budapest escorts
  65. Pingback: Escort amsterdam
  66. Pingback: Life Coach
  67. Pingback: anvelope chisinau
  68. Pingback: options trading
  69. Pingback: Online Impacts
  70. Pingback: Pc support
  71. Pingback: embedded system
  72. Pingback: Shiba Inu
  73. Pingback: Dank Cartridges
  74. Pingback: Escort amsterdam
  75. Pingback: Pc support meilen
  76. Pingback: gamer
  77. Pingback: BIKES
  78. Pingback: prostate massager
  79. Pingback: sildenafil cost
  80. Pingback: types of dogs
  81. Pingback: اغاني
  82. Pingback: Venice photography
  83. Pingback: http://droga5.net/
  84. Pingback: huge dong
  85. Pingback: radio
  86. Pingback: gamdom
  87. Pingback: Semilac uk
  88. In this train, Hepatic is time again the therapeutic and other of the onset cialis online without preparation this overdose РІ across orthodox us of the unswerving; a greater close to which, when these cutaneous small ripen into systemic and respiratory, as in age ripen, or there has, as in buying cialis online safely of serious, the guidance being and them displeasing, and requires into other complications. viagra online prescription Rgihpf aqjjtu

  89. Pingback: bitsler
  90. Pingback: wolfbet
  91. Pingback: stake
  92. Pingback: ICT
  93. Pingback: business
  94. Pingback: Visa
  95. Pingback: tradecrypto
  96. Pingback: male stroker
  97. Pingback: boulder seo
  98. Pingback: bartender
  99. Pingback: exchangecrypto
  100. Pingback: THC VAPE OIL
  101. Pingback: find a builder
  102. Pingback: classic vibrator
  103. Pingback: dinh cu canada
  104. Pingback: macca
  105. Pingback: emma-shop
  106. Hello there! This blog post could not be written much better!
    Looking through this article reminds me of my previous roommate!

    He continually kept preaching about this. I am going to forward this information to him.
    Fairly certain he’ll have a very good read. Thanks for sharing!

  107. Pingback: alex more
  108. Pingback: blogcaodep.com
  109. Pingback: iPhone
  110. Pingback: greengo
  111. Pingback: wasmachine kapot
  112. Pingback: mana mana
  113. Pingback: buy hemp online
  114. Pingback: Gerüstbau
  115. Pingback: BFCM deals
  116. Pingback: havuz ekipmanlarý
  117. Pingback: piknik masasý
  118. Pingback: havuz ekipmanlarý
  119. Pingback: capath.vn
  120. Pingback: sweetiehouse.vn
  121. Pingback: Shotguns
  122. Pingback: Glock 21sf
  123. Pingback: Buy Heroin Online
  124. Pingback: Glock 24
  125. Pingback: Guns For Sale
  126. Pingback: Blackberry Kush
  127. Pingback: thc vape juice
  128. Pingback: şişme mont
  129. Pingback: karın germe
  130. Pingback: son dakika
  131. Pingback: cialis online
  132. Howdy! This article could not be written much better! Going through this article reminds me of my previous roommate! He constantly kept preaching about this. I’ll forward this information to him. Fairly certain he will have a great read. Many thanks for sharing!

  133. Pingback: general health
  134. Pingback: viagra
  135. This is the right website for anyone who really wants to find out about this topic. You know a whole lot its almost tough to argue with you (not that I actually would want to…HaHa). You certainly put a new spin on a topic which has been written about for decades. Wonderful stuff, just wonderful!

  136. I’m impressed, I have to admit. Rarely do I come across a blog that’s equally educative and interesting, and without a doubt, you have hit the nail on the head. The issue is something that not enough folks are speaking intelligently about. I’m very happy I found this in my search for something regarding this.

  137. Next time I read a blog, Hopefully it doesn’t fail me as much as this particular one. After all, I know it was my choice to read, however I truly believed you would have something helpful to say. All I hear is a bunch of crying about something that you could possibly fix if you were not too busy looking for attention.

  138. I blog frequently and I truly appreciate your content. Your article has really peaked my interest. I will book mark your website and keep checking for new details about once per week. I opted in for your RSS feed as well.

  139. Hi, I do think this is an excellent website. I stumbledupon it 😉 I’m going to return yet again since I bookmarked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.

  140. After going over a few of the blog posts on your website, I seriously appreciate your technique of blogging. I added it to my bookmark site list and will be checking back in the near future. Please visit my website as well and let me know your opinion.

  141. I absolutely love your site.. Pleasant colors & theme. Did you make this site yourself? Please reply back as I’m looking to create my own website and would like to know where you got this from or just what the theme is named. Appreciate it!

  142. I have to thank you for the efforts you have put in writing this website. I really hope to check out the same high-grade content from you in the future as well. In fact, your creative writing abilities has inspired me to get my very own site now 😉

  143. The very next time I read a blog, Hopefully it doesn’t disappoint me just as much as this particular one. I mean, I know it was my choice to read, but I actually believed you would have something useful to talk about. All I hear is a bunch of crying about something that you could fix if you weren’t too busy looking for attention.

  144. Howdy, I do believe your web site might be having web browser compatibility problems. Whenever I look at your site in Safari, it looks fine however, when opening in Internet Explorer, it has some overlapping issues. I simply wanted to give you a quick heads up! Besides that, excellent site!

  145. An outstanding share! I’ve just forwarded this onto a colleague who was doing a little homework on this. And he in fact ordered me dinner due to the fact that I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending some time to discuss this issue here on your web page.

  146. Thanks for sharing excellent informations. Your web-site is very cool. I am impressed by the details that you have on this website. It reveals how nicely you understand this subject. Bookmarked this web page, will come back for extra articles. You, my friend, ROCK! I found simply the information I already searched all over the place and just could not come across. What a perfect web-site.

  147. Excellent beat ! I would like to apprentice even as you amend your website, how could i subscribe for a blog website? The account aided me a applicable deal. I have been tiny bit acquainted of this your broadcast offered vivid transparent idea

  148. An impressive share! I’ve just forwarded this onto a co-worker who was doing a little homework on this. And he in fact ordered me lunch because I stumbled upon it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending time to discuss this topic here on your web site.

  149. Some say that retro means boring. Color unchanged, not prototyped, many people have created a variety of designs for ‘back’. As we all know, the classes are also colorful. Rich and warm reds, pale yellows and colorless, muted colors and navy blues … a variety of colors have been blended and enhanced to recreate these masterpieces.

  150. Hi I am so excited I found your blog, I really found you by mistake, while I was searching on Aol for something else, Anyways I am here now and would just like to say thanks a lot for a fantastic post and a all round entertaining blog (I also love the theme/design), I don’t have time to read it all at the moment but I have bookmarked it and also included your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the great work.

  151. The very next time I read a blog, Hopefully it does not disappoint me as much as this particular one. After all, Yes, it was my choice to read through, however I really believed you’d have something interesting to talk about. All I hear is a bunch of moaning about something you can fix if you were not too busy seeking attention.

  152. The very next time I read a blog, I hope that it doesn’t fail me as much as this particular one. I mean, I know it was my choice to read, nonetheless I actually believed you’d have something useful to say. All I hear is a bunch of whining about something that you could fix if you were not too busy seeking attention.

  153. I would like to thnkx for the efforts you have put in writing this blog. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.

  154. Today, I went to the beachfront with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  155. I’ve learn a few excellent stuff here. Definitely worth bookmarking for revisiting. I surprise how so much effort you put to create any such excellent informative web site.

  156. Hello, I think your blog might be having browser compatibility issues. When I look at your blog in Chrome, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, superb blog!

  157. Pretty element of content. I just stumbled upon your web site and in accession capital to claim that I get actually loved account your blog posts. Anyway I will be subscribing in your augment or even I achievement you access consistently rapidly.

  158. In this grand design of things you actually get a B- with regard to effort. Exactly where you misplaced everybody ended up being on the particulars. You know, they say, details make or break the argument.. And that could not be more correct in this article. Having said that, let me tell you precisely what did do the job. Your text is definitely incredibly engaging and this is probably why I am taking an effort to comment. I do not really make it a regular habit of doing that. Second, whilst I can certainly see a jumps in reason you make, I am not really sure of just how you seem to unite your ideas which inturn help to make the final result. For right now I will, no doubt yield to your issue but wish in the future you link your facts better.

  159. Thanks so much for providing individuals with such a brilliant opportunity to read in detail from here. It is often very ideal plus packed with amusement for me personally and my office peers to visit your website more than thrice per week to study the new secrets you have got. And of course, I’m just actually fulfilled with your dazzling principles you give. Some 2 ideas in this posting are in truth the best we have all ever had.

  160. Hi, I think your site might be having browser compatibility issues. When I look at your website in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, fantastic blog!

  161. I am really impressed with your writing skills and also with the layout on your weblog. Is this a paid theme or did you customize it yourself? Either way keep up the nice quality writing, it is rare to see a great blog like this one nowadays..

  162. Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something. I think that you can do with some pics to drive the message home a bit, but instead of that, this is wonderful blog. A fantastic read. I will certainly be back.

  163. Hmm is anyone else experiencing problems with the images on this blog loading? I’m trying to determine if its a problem on my end or if it’s the blog. Any feedback would be greatly appreciated.

  164. I?¦m now not positive where you’re getting your information, but great topic. I needs to spend some time finding out more or figuring out more. Thank you for excellent info I used to be on the lookout for this information for my mission.

  165. Have you ever considered writing an e-book or guest authoring on other websites? I have a blog based upon on the same ideas you discuss and would really like to have you share some stories/information. I know my visitors would value your work. If you are even remotely interested, feel free to send me an e mail.

  166. Simply want to say your article is as astounding. The clarity in your post is simply spectacular and i can assume you are an expert on this subject. Well with your permission let me to grab your feed to keep updated with forthcoming post. Thanks a million and please continue the enjoyable work.

  167. What’s Taking place i’m new to this, I stumbled upon this I have found It absolutely helpful and it has aided me out loads. I’m hoping to give a contribution & assist different customers like its aided me. Good job.

  168. Great goods from you, man. I have understand your stuff previous to and you’re just too great. I actually like what you have acquired here, really like what you’re saying and the way in which you say it. You make it entertaining and you still care for to keep it wise. I can’t wait to read much more from you. This is really a wonderful web site.

  169. you’re in reality a good webmaster. The site loading speed is incredible. It seems that you are doing any distinctive trick. Moreover, The contents are masterpiece. you have performed a excellent job on this subject!

  170. This is very interesting, You are a very skilled blogger. I have joined your feed and look forward to seeking more of your excellent post. Also, I have shared your web site in my social networks!

  171. Nice post. I was checking continuously this blog and I am impressed! Very useful info particularly the last part 🙂 I care for such info a lot. I was looking for this particular information for a very long time. Thank you and good luck.

  172. I’d should check with you here. Which isn’t one thing I usually do! I get pleasure from reading a post that may make individuals think. Additionally, thanks for permitting me to comment!

  173. This design is spectacular! You obviously know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Great job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!

  174. My brother recommended I might like this blog. He was once totally right. This put up truly made my day. You cann’t consider just how so much time I had spent for this information! Thanks!

  175. Hi, i believe that i saw you visited my website thus i came to “go back the desire”.I am trying to find things to improve my website!I assume its good enough to use some of your concepts!!

  176. Great ?V I should definitely pronounce, impressed with your site. I had no trouble navigating through all tabs and related info ended up being truly simple to do to access. I recently found what I hoped for before you know it in the least. Reasonably unusual. Is likely to appreciate it for those who add forums or something, web site theme . a tones way for your customer to communicate. Nice task..

  177. When I initially commented I clicked the -Notify me when new comments are added- checkbox and now every time a comment is added I get 4 emails with the identical comment. Is there any means you can take away me from that service? Thanks!

  178. Hello! I could have sworn I’ve been to this site before but after checking through some of the post I realized it’s new to me. Anyhow, I’m definitely glad I found it and I’ll be bookmarking and checking back often!

  179. Whats Going down i’m new to this, I stumbled upon this I’ve found It positively useful and it has helped me out loads. I am hoping to contribute & assist other customers like its aided me. Great job.

  180. you’re truly a good webmaster. The website loading speed is incredible. It kind of feels that you’re doing any distinctive trick. Moreover, The contents are masterpiece. you’ve done a great activity in this subject!

  181. I?¦ve been exploring for a little for any high-quality articles or blog posts in this kind of area . Exploring in Yahoo I finally stumbled upon this website. Studying this info So i am glad to express that I have an incredibly just right uncanny feeling I found out exactly what I needed. I most definitely will make certain to don?¦t forget this web site and give it a look on a relentless basis.

  182. Appreciating the hard work you put into your site and in depth information you offer. It’s nice to come across a blog every once in a while that isn’t the same old rehashed information. Great read! I’ve bookmarked your site and I’m adding your RSS feeds to my Google account.

  183. We’re a group of volunteers and starting a new scheme in our community. Your web site offered us with valuable information to work on. You’ve done an impressive job and our entire community will be grateful to you.

  184. certainly like your web-site but you need to check the spelling on quite a few of your posts. Several of them are rife with spelling problems and I find it very bothersome to tell the truth nevertheless I’ll surely come back again.

  185. This is my first time i visit here. I found so many entertaining stuff in your blog, especially its discussion. From the tons of comments on your articles, I guess I am not the only one having all the leisure here! Keep up the good work. I have been meaning to write something like this on my website and you have given me an idea. 바카라사이트

  186. Greetings! I know this is kinda off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!

  187. Have you ever heard of second life (sl for short). It is basically a online game where you can do anything you want. Second life is literally my second life (pun intended lol). If you would like to see more you can see these sl articles and blogs

  188. Have you ever heard of second life (sl for short). It is essentially a video game where you can do anything you want. sl is literally my second life (pun intended lol). If you want to see more you can see these second life articles and blogs

  189. I will right away grab your rss as I can not find your email subscription link or newsletter service. Do you have any? Kindly let me know in order that I could subscribe. Thanks.

  190. These can also be used indoors to help improve the viewing for your family. Touch screens are perfect for showing children how to use a projector safely. Your kids will learn responsibility with an outdoor touch screen.

  191. Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  192. You actually make it seem so easy with your presentation but I find this topic to be really something that I think I would never understand. It seems too complex and extremely broad for me. I’m looking forward for your next post, I’ll try to get the hang of it!

  193. Hi! I know this is kind of off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!

  194. I keep listening to the news bulletin lecture about receiving free online grant applications so I have been looking around for the top site to get one. Could you advise me please, where could i get some?

  195. Pingback: 5mg tablet
  196. whoah this blog is great i love reading your posts. Keep up the good work! You know, many people are searching around for this information, you could aid them greatly.

  197. Woah! I’m really loving the template/theme of this blog. It’s simple, yet effective. A lot of times it’s difficult to get that “perfect balance” between usability and visual appeal. I must say you’ve done a superb job with this. Additionally, the blog loads extremely fast for me on Chrome. Superb Blog!

  198. Looking at this article, I miss the time when I didn’t wear a mask. 먹튀검증 Hopefully this corona will end soon. My blog is a blog that mainly posts pictures of daily life before Corona and landscapes at that time. If you want to remember that time again, please visit us.

  199. Pingback: buy online europe
  200. Easily, the article is actually the best topic on this registry related issue. I fit in with your 토토사이트 and will eagerly look forward to your next updates. Just saying thanks will not just be sufficient, for the fantastic lucidity in your writing. I will instantly grab your rss feed to stay informed of any updates

  201. Nice to meet you. Your post was really impressive. It’s an unexpected idea. It was a great stimulus to me.How did you come up with this genius idea? Your writing ability is amazing. Like me, you may be interested in my writing. If you want to see my article, please come to 토토사이트추천!!

  202. It is very difficult to meet someone who suits my taste. I haven’t met a lot, but I am very happy to find someone who writes an article that suits my taste. Collecting these kinds of articles is my hobby, but once you come to my site, 주식DB and enjoy, I would appreciate it.

  203. Yes i am totally agreed with this article and i just want say that this article is very nice and very informative article.I will make sure to be reading your blog more. You made a good point but I can’t help but wonder for 사설토토사이트, what about the other side? !!!!!!Thanks

  204. Hiya, I am really glad I have found this information. Today bloggers publish just about gossips and net and this is really frustrating. A good blog with interesting content, this is what I need. Thank you for keeping this web site, I will be visiting it. Do you do newsletters? Cant find it.

  205. I’m not sure where you are getting your information, but great topic. I needs to spend some time learning much more or understanding more. Thanks for wonderful info I was looking for this info for my mission.

  206. You can certainly see your enthusiasm in the paintings you write. The world hopes for even more passionate writers like you who are not afraid to mention how they believe. All the time go after your heart. “Experience is a good school, but the fees are high.” by Heinrich Heine.

  207. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?

  208. If you can’t even get an erection, eating Granville is useless! Xu Lanfang explained that male erections need to receive sexual stimulation, such as A-films, A-books, and other sexual desire content, at which time the brain will release —Japanese rattan

  209. Viagra (Taiwan name: Viagra) is an oral treatment drug developed by Pfizer, USA. It is used to treat erectile dysfunction and premature ejaculation, and has a very significant improvement in erectile dysfunction and premature ejaculation–Japanese rattan

  210. Sexual stimulation is a necessary condition for Granville to exert its efficacy. The stronger the sexual stimulation, the better the efficacy. Emotions, fatigue, anxiety, and the cooperation of a partner will affect the male’s sexual response, and it will also affect the role of Weiergang–Weiergang

  211. Very nice post. I just stumbled upon your weblog and wanted to say that I have truly enjoyed browsing your blog posts. After all I’ll be subscribing to your feed and I hope you write again very soon!

  212. Hello there, just became alert to your blog through Google, and found that it’s really informative. I am gonna watch out for brussels. I’ll be grateful if you continue this in future. Lots of people will be benefited from your writing. Cheers!

  213. Youre so cool! I dont suppose Ive learn something like this before. So nice to seek out any individual with some authentic thoughts on this subject. realy thanks for beginning this up. this website is something that is needed on the internet, somebody with just a little originality. useful job for bringing one thing new to the web!

  214. I’m amazed, I have to admit. Rarely do I encounter a blog that?s equally educative and amusing, and without
    a doubt, you’ve hit the nail on the head. The issue is something not enough men and
    women are speaking intelligently about. I’m very happy I came across this in my
    hunt for something concerning this.

    Also visit my blog post; 휴게텔

  215. Good web site! I truly love how it is easy on my eyes and the data are well written. I’m wondering how I could be notified whenever a new post has been made. I have subscribed to your RSS which must do the trick! Have a nice day!

  216. After exploring a few of the blog posts on your web site, I really like your way of blogging. I saved as a favorite it to my bookmark website list and will be checking back soon. Take a look at my web site as well and tell me how you feel. 대구오피
    Really well written article! This blog was… how do you say it? Awesome! {I honestly think this might assist with the situation.
    You really deserve a big kiss right now.This site looks just like my old website.|This sure is a whole lot to try and take in and I’m not sure if I can really understand what you are trying to convey.|This really solved my question.
    I am super impressed with your writing skills.|Do you have you tube videos on the topic?|I was shopping for a real estate the other day but I still This stuff is like vitamins for my mind. And to think, I

  217. It’s a pity you don’t have a donate button! I’d definitely donate to this superb blog! I suppose for now i’ll settle for bookmarking and adding your RSS feed to my Google account. I look forward to fresh updates and will talk about this site with my Facebook group. Talk soon!

  218. Have you ever considered publishing an ebook or guest authoring on other blogs? I have a blog centered on the same ideas you discuss and would really like to have you share some stories/information. I know my subscribers would value your work. If you’re even remotely interested, feel free to send me an email.

  219. You really make it appear really easy together with your presentation but I find this matter to be really one thing which I believe I would never understand. It sort of feels too complex and extremely large for me. I am looking forward on your next submit, I will attempt to get the cling of it!

  220. I am really enjoying the theme/design of your website. Do you ever run into any web browser compatibility issues? A small number of my blog readers have complained about my blog not operating correctly in Explorer but looks great in Opera. Do you have any suggestions to help fix this problem?

  221. Someone essentially help to make seriously articles I would state. This is the very first time I frequented your web page and thus far? I amazed with the research you made to make this particular publish incredible. Fantastic job!

  222. Thanks a lot for sharing this with all of us you actually realize what you’re speaking about! Bookmarked. Please additionally seek advice from my web site =). We could have a link exchange agreement among us!

  223. Hello very nice site!! Guy .. Beautiful .. Amazing .. I will bookmark your website and take the feeds additionally?KI am glad to find so many helpful information right here within the publish, we need work out more strategies on this regard, thank you for sharing. . . . . .

  224. Thailand Travel News :
    Highlights of Suan Son Beach “Rayong”
    Suan Son Beach is located at Klaeng Subdistrict, Mueang Rayong District, Rayong Province, near Ban Phe Pier that crosses to Samet Island. This is a relatively quiet beach. And there are roads along the beach along the line. Shady with pine trees on the beach and still being natural. Because the beach is located in the area of the Pa Ban Phe National Forest Reserve. This makes it very well maintained. Suitable for tourists who like peace. Want to relax, swim in the sea or have a chill picnic on the beach? That’s not confusing, sure enough.

    Rufee

Deja una respuesta

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *

Siguiente nota

ManpowerGroup Latam presentó su primer Reporte de Sustentabilidad

Mié Jul 10 , 2019
Se trata del primer Reporte de Sustentabilidad que integra a toda la región latinoamericana de la empresa y da cuenta de su gestión en materia social, económica y ambiental. La compañía de soluciones de capital humano presentó su primer Reporte de Sustentabilidad LATAM en base a lineamientos GRI (Global Reporting […]

El tiempo es dinero: ¿por qué la banca debe cambiar rápido?

tiempo de lectura: 4 min