Por mano ajena: Banorte se ha establecido con fuerza en su mercado local, México, a través de una red creciente de corresponsales no bancarios.
Author | N |
[ILUSTRACIÓN OMITIR]
En 2013, el Banco Mercantil del Norte (Banorte) reportó 6 millones de transacciones bancarias en México a través de su red de 4.147 corresponsales bancarios, un crecimiento de 23 por ciento comparado con el año anterior.
"Esto claramente nos representa un ahorro en la instalación de cajeros y sucursales", dice Miguel Valero, director de Inclusión Financiera y Canales Móviles de esa entidad. "Se aprovecha la infraestructura del tercero y únicamente se paga la transacción. Esto nos ha permitido servir de una manera más eficiente a nuestros clientes", afirma.
En México, instalar una sucursal bancaria cuesta en promedio US$380.000, según cifras de la Comisión Nacional Bancaria y de Valores (Cnbv). "Este costo puede ser inviable para algunos bancos", dice Juan Carlos Rivera, director de la carrera de mercadotecnia del TEC de Monterrey. "La mejor forma de expandir sus negocios es a través de bancos corresponsales", asegura el académico.
La estrategia de Banorte tiene dos vertientes, por un lado dar a su clientela una red bancaria con horarios más amplios que incluyan la posibilidad de realizar operaciones en fines de semana y días festivos, y por otro, tener presencia en lugares donde no se tiene una sucursal o un cajero automático.
En la actualidad, 32 por ciento de los 2.456 municipios mexicanos no tienen ninguna representación bancaria; es decir, hay 786 comunidades sin un cajero o sucursal de algún banco, según el último reporte de Inclusión Financiera de la Cnbv.
Banorte detectó esta tendencia a partir de 2005 e inició su trabajo con corresponsales bancarios--establecimientos ajenos al banco, autorizados para realizar operaciones bancarias básicas--a través de la red de más de 1.600 oficinas de Telecomm en todo el país. En ese momento no había reglas claras, dice Valero. Pero eso cambió en 2009 cuando se establecieron normas en México para el uso de corresponsales, que permitieron llevar los servicios bancarios a...
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