Today I want to talk to you about one of the technologies that are «beeping» now which is the so-called “FINTECH”, born from the union of the terms «Finance» and «Technology» and it refers to the capacity of offering financial services through technology.
These types of companies are generally small start-ups that try to steal market share from large banking corporations. They account for 21% of the total investment in start-ups, only behind e-commerce.
Its main areas of work are payment methods, loans, financial aggregators, crowd-lending, and automated advice or robot advisors.
It is this last area that has caught my attention.
What are advisory robots?
They are online investment platforms that work with algorithms through which they make recommendations on the management of investors’ wealth. They create portfolios and manage them automatically with minimal human intervention.
How do they work?
Smart algorithms can assess a person’s income and find out how much can you afford, how much do you need to save, study the best tax structure, and decide what investments must be made to meet those objectives.
User responses are analyzed and algorithms are processed, thus designing a tailored investment plan.
In the USA, an increase in the use of Fintech technology of 68% is expected in the next 4 years.
How can we use Fintech technology within our multi-channel strategy?
This technology could be used to maximize the design of a specific multichannel plan for each doctor.
Currently, we are influencing the doctor through various channels such as medical visits, e-mails, web pages, online conferences … And we are collecting a large amount of information through CRMs (those who have it).
Based on this information, a multichannel strategy is carried out that generally covers the specialty of the doctor or perhaps the typology in which he has been cataloged.
This technology would make it possible to carry out a unique and specific plan for each doctor individually, which would allow them to offer a more optimized multi-channel experience with a greater probability of success.
These algorithms act on all the information that is provided, so ongoing feedback on the strategy taken and its result will optimize the multi-channel strategy performed on the doctor in a process of continuous improvement.
In this sense, the work of the multichannel marketing specialist will be nourished since it will have a technology that will help it in the process of approach and delivery to the doctor of what he/she most values, in the channel that best suits him/her and in the most appropriate time….
In short, it will make the process of our Multichannel strategy to the Omnichannel in a more effective and programmed way.