Banca 2.0: Modelo de
          Servicios a Empresas/Clientes



                Joaquín Ochoa
                Presidente
 ...
Una visión consistente desde 1982




                               The Network is the Computer
Santander 2007 Page 2
   ...
Evolución de la red
                          Women going online                      What people go online for
          ...
La era de los Nativos
               (...y algunos inmigrantes)




               Sun Proprietary                        ...
Los Servicios




                                                 Web 2.0
                            Un estilo de vida

...
¿En el mundo Financiero?




               Sun Proprietary                                                               ...
Banca de Inversión 2.0




               Sun Proprietary                                                                 ...
Banca Minorista: Finanzas Personales




               Sun Proprietary                                                   ...
Banca Minorista: Préstamos




               Sun Proprietary                                                             ...
Banca Minorista: Pagos




                 Cifras significativas
                 Fuerte desarrollo en segmentos no banca...
Sun Proprietary                                                                                                Page 11


S...
Proyecto Wonderland

                     La nueva generación de
                     entornos colaborativos 3D e
        ...
Social Spaces
                 Virtual Company Presence




                                                              ...
Gracias.




                Joaquín Ochoa
                Presidente
                Sun Microsystems Ibérica
          S...
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17 4 Joaquin Ochoa

  1. 1. Banca 2.0: Modelo de Servicios a Empresas/Clientes Joaquín Ochoa Presidente Sun Microsystems Ibérica Sun Proprietary Page 1 Santander 2007 Page 1
  2. 2. Una visión consistente desde 1982 The Network is the Computer Santander 2007 Page 2 Sun Proprietary Page 2 We are proud of the fact that we had a consistent vision since 1982. That made sense 24 years ago and still makes sense today. 24 years ago it meant that two computers could interact with each other and interoperate or network without knowing OS, through NFS. Now we take that for granted. Todays it means the 'net and devices and global participation. So much richer and deeper. We believe we'll see it for another 24 years.
  3. 3. Evolución de la red Women going online What people go online for % of households using the internet Web use by age Average monthly online hours per user Source: OFCOM 3 Sun Proprietary Page 3 Santander 2007 Page 3
  4. 4. La era de los Nativos (...y algunos inmigrantes) Sun Proprietary Page 4 Santander 2007 Page 4 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  5. 5. Los Servicios Web 2.0 Un estilo de vida Sun Proprietary Page 5 Santander 2007 Page 5 Diferentes definiciones y perspectivas... Para O'Reilly, sino el padre de Web 2.0 es el que ha actuado como paraguas para acuñar el término. Para el es “lo más” Berners-Lee, padre de HTML y hoy chairman de W3C, organismo guardian de los estándares oficiales de la web, como web 2.0 no es un estándar de w3c no existe. Para Google es su negocio. Me quedaría con la de “UN ESTILO DE VIDA”, pues la web y los servicios ya disponibles bajo el paraguas Web 2.0, nos ofrece todo un conjunto de herramientas que nos permite vivir mejor en sociedad... Ahí puede estar la razón del éxito y propagación de este movimiento... Si nos fijamos en el modelo del comportamiento social de Maslow (1943) que define una hierarquía para las necesidades del ser humano, nos damos cuenta de que: > vivimos en una economía de abundancia, o sea para algunos millones las necesidades mas básicas están en gran medida satisfechas > por consiguiente, en la hierarquía de las necesidades, cosas como el sentimiento de pertenencia (comunidades), auto-estima o respecto de los demás (bloging, ratings) o la auto- actualización (desarrollo personal por la información disponible) pasan a ser prioritarias... Nos queda la duda, solamente, cuanto al orden de precedencia: la era industrial, así como la era de la participación han sido causa o consecuencia de la hierarquía de las necesidades....
  6. 6. ¿En el mundo Financiero? Sun Proprietary Page 6 Santander 2007 Page 6 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  7. 7. Banca de Inversión 2.0 Sun Proprietary Page 7 Santander 2007 Page 7 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  8. 8. Banca Minorista: Finanzas Personales Sun Proprietary Page 8 Santander 2007 Page 8 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  9. 9. Banca Minorista: Préstamos Sun Proprietary Page 9 Santander 2007 Page 9 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  10. 10. Banca Minorista: Pagos Cifras significativas Fuerte desarrollo en segmentos no bancarizados y de remesas (i-transfert) Sun Proprietary Page 10 Santander 2007 Page 10 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  11. 11. Sun Proprietary Page 11 Santander 2007 Page 11 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  12. 12. Proyecto Wonderland La nueva generación de entornos colaborativos 3D e inmersión de Audio Mundos Virtuales en 3D > Orientado a Empresas > Totalmente Personalizable > Abierto > Sun Proprietary Page 12 Santander 2007 Page 12 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  13. 13. Social Spaces Virtual Company Presence Team Spaces Individual Workspaces Documentos compartidos en vivo Conf. Mixtas Realidad/Virtual Sun Proprietary Page 13 Santander 2007 Page 13 The Maslow pyramid is associated with the hierarchy of need theory that Maslow originated circa 1943. According to this theory the most basic need is related to physiological survival - air to breate, water to drink, food to eat and sex to procreate. Next in order of precedence comes a set of needs for such things as safety and security. Once an individual has taken care of his or her basic physiological needs and feels safe and secure some degree of need for love and belonging may well rise to the forefront of their concerns. Need for the respect of our fellow's, and for self-respect, are seen as being next in order of precedence. Maslow referred to the four levels of need already mentioned as deficit needs, or D-needs. If you don’t have enough of something -- i.e. you have a deficit -- you feel the need. Maslow saw all these needs as essentially survival needs. Even love and esteem are needed for the maintenance of health. The last level of the pyramid is a bit different. Maslow used a variety of terms to refer to this level:- growth motivation (in contrast to deficit motivation), being needs (or B-needs, in contrast to D-needs), and self-actualization. People might particularly try to realise their being needs once they have enough of food, security, belonging and respect but!!! enough of self-actualization is harder to attain. In point of fact self-actualization is seen as being somewhat addictive, once experienced it is something that people tend to want more and more of! Moreover people can only really pay attention to self-actualization needs once their more basic needs are satisfactorally met! Abraham Maslow considered that very few people actually live, move, and have their being, within the realms of such self-actualization - mainly because people are generally involved in meeting the other needs already outlined. Several things are associable with quot;self-actualizationquot; - being independently confident in meeting life's challenges - in choosing between that which is more and that which is less worthwhile - and in feeling that one's time has been used creatively and inventively. The Abraham Maslow hierarchy of need theory was later adapted to include a greater complexity in the area of self-actualisation. Under this adaption human needs included a thirst for knowledge and a need for aesthetical order and beauty prior to self-actualization and a quot;Transcendencequot; need beyond self-actualization where people would feel a need to help others to find fulfillment.
  14. 14. Gracias. Joaquín Ochoa Presidente Sun Microsystems Ibérica Sun Proprietary Page 14 Santander 2007 Page 14
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