{"id":16885,"date":"2020-07-20T16:20:22","date_gmt":"2020-07-20T14:20:22","guid":{"rendered":"https:\/\/sendapp.live\/?p=16885"},"modified":"2024-07-22T16:47:13","modified_gmt":"2024-07-22T14:47:13","slug":"as-mensagens-mudam-a-experiencia-do-cliente-bancario","status":"publish","type":"post","link":"https:\/\/sendapp.live\/pt\/2020\/07\/20\/la-messaggistica-cambia-lesperienza-del-cliente-bancario\/","title":{"rendered":"As mensagens mudam a experi\u00eancia do cliente banc\u00e1rio"},"content":{"rendered":"<p>As mensagens mudam a experi\u00eancia do cliente banc\u00e1rio.<\/p>\n<p><span data-contrast=\"auto\">No final de 2019, a Sinch entrevistou 2.300 consumidores globais para entender suas atitudes em rela\u00e7\u00e3o \u00e0s mensagens e como preferem interagir com as empresas usando mensagens.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Uma das descobertas mais poderosas diz respeito ao setor banc\u00e1rio, em particular os consumidores est\u00e3o abertos a receber mensagens e notifica\u00e7\u00f5es dos bancos, mas n\u00e3o t\u00eam acesso a esses recursos ou n\u00e3o est\u00e3o cientes deles. A li\u00e7\u00e3o: em nenhum outro setor h\u00e1 uma demanda reprimida por funcionalidade de mensagens em compara\u00e7\u00e3o com servi\u00e7os financeiros. Agora cabe aos l\u00edderes do setor explorar essa lacuna.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Vamos rever os principais resultados da pesquisa:\u00a0<\/span><\/p>\n<h2><span class=\"TextRun MacChromeBold BCX0 SCXW214638095\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun BCX0 SCXW214638095\">1. Os consumidores s\u00e3o 35 vezes mais propensos a abrir mensagens de celular do que e-mails<\/span><\/span><\/h2>\n<p><span class=\"TextRun BCX0 SCXW214638095\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun BCX0 SCXW214638095\">Mensagens m\u00f3veis, mesmo aquelas escaneadas rapidamente de uma tela inicial, s\u00e3o mais propensas a serem recebidas do que e-mails, que podem ser filtrados em pastas &quot;promocionais&quot; ou at\u00e9 relegadas a spam.\u00a0<\/span><\/span><\/p>\n<h2>2. Eu\u00a0<span class=\"TextRun MacChromeBold SCXW124777445 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW124777445 BCX0\">os consumidores encontram valor em poder enviar mensagens ao seu banco<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW124777445 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW124777445 BCX0\">Quase 3 em 4 (70%) dizem que achariam alertas m\u00f3veis sobre bancos suspeitos &quot;muito \u00fateis&quot;, e o 94% diz que esses tipos de alertas seriam pelo menos de alguma forma \u00fateis. As atitudes sobre promo\u00e7\u00f5es banc\u00e1rias personalizadas entregues por meio de mensagens t\u00eam sido um pouco menos entusiasmadas, mas ainda assim positivas.\u00a0<\/span><\/span><span class=\"EOP SCXW124777445 BCX0\" data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2>Utilit\u00e1rio de medi\u00e7\u00e3o de mensagens<\/h2>\n<h2>Qual desses cen\u00e1rios voc\u00ea acharia \u00fatil?<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4643 size-large\" src=\"https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Measuring-Messaging-Utility-Graph-1-1024x271.png\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Measuring-Messaging-Utility-Graph-1-1024x271.png 1024w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Measuring-Messaging-Utility-Graph-1-300x79.png 300w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Measuring-Messaging-Utility-Graph-1-768x203.png 768w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Measuring-Messaging-Utility-Graph-1-1536x406.png 1536w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Measuring-Messaging-Utility-Graph-1.png 1552w\" alt=\"Gr\u00e1fico mostrando o utilit\u00e1rio de medi\u00e7\u00e3o de mensagens\" width=\"640\" height=\"169\" \/><\/p>\n<h2>3.\u00a0<span class=\"TextRun MacChromeBold SCXW184927842 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW184927842 BCX0\">Os consumidores mais jovens est\u00e3o mais abertos a mensagens promocionais<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW184927842 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW184927842 BCX0\">De acordo com a pesquisa da Sinch, quase todos os clientes banc\u00e1rios aceitam mensagens quando se trata de fraude banc\u00e1ria em potencial, mas as atitudes em rela\u00e7\u00e3o \u00e0s mensagens promocionais diferem amplamente por gera\u00e7\u00e3o. Os baby boomers s\u00e3o menos propensos a receber esse tipo de intera\u00e7\u00e3o (apenas o 30% afirma agradar), enquanto mais da metade dos millennials e da gera\u00e7\u00e3o Z dizem o mesmo.<\/span><\/span><\/p>\n<h2>Atitudes de mensagens de gera\u00e7\u00e3o para gera\u00e7\u00e3o para o setor banc\u00e1rio<\/h2>\n<h2>Qual desses cen\u00e1rios \u00e9 bem-vindo?<\/h2>\n<p>(Mostrar apenas as respostas &quot;bem-vindas&quot; abaixo)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4644 size-large\" src=\"https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Messaging-Attitudes-by-Generation-for-the-Banking-Industry-Graph-1024x302.png\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Messaging-Attitudes-by-Generation-for-the-Banking-Industry-Graph-1024x302.png 1024w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Messaging-Attitudes-by-Generation-for-the-Banking-Industry-Graph-300x88.png 300w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Messaging-Attitudes-by-Generation-for-the-Banking-Industry-Graph-768x226.png 768w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Messaging-Attitudes-by-Generation-for-the-Banking-Industry-Graph-1536x453.png 1536w, https:\/\/1vxc0v12qhrm1e72gq1mmxkf-wpengine.netdna-ssl.com\/wp-content\/uploads\/2020\/02\/Messaging-Attitudes-by-Generation-for-the-Banking-Industry-Graph.png 1554w\" alt=\"Gr\u00e1fico mostrando atitudes de mensagens de gera\u00e7\u00e3o para gera\u00e7\u00e3o para o setor banc\u00e1rio\" width=\"640\" height=\"189\" \/><\/p>\n<h2>4. Eu\u00a0<span class=\"TextRun MacChromeBold BCX0 SCXW187220651\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun BCX0 SCXW187220651\">os consumidores querem mais op\u00e7\u00f5es de mensagens<\/span><\/span><\/h2>\n<p><span class=\"TextRun BCX0 SCXW187220651\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun BCX0 SCXW187220651\">A pesquisa mostra uma clara &quot;lacuna de oportunidade&quot; entre como os consumidores usam as mensagens hoje e como gostariam de us\u00e1-las. No setor banc\u00e1rio, o 70% quer que os bancos relatem suas atividades suspeitas em suas contas, mas apenas o 35% recebe hoje.\u00a0<\/span><\/span><span class=\"TextRun BCX0 SCXW187220651\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun BCX0 SCXW187220651\">Um recente\u00a0\u00a0<\/span><\/span><a class=\"Hyperlink BCX0 SCXW187220651\" href=\"https:\/\/scontent.fbos1-1.fna.fbcdn.net\/v\/t39.8562-6\/58276482_2221839084733458_6389672002159902720_n.pdf\/inline_1_usa_changing_finance.pdf?_nc_cat=100&amp;_nc_ohc=7i8-k2PbkVwAX_liyaA&amp;_nc_ht=scontent.fbos1-1.fna&amp;oh=8cd5581f021b45106be4c26e14a322c9&amp;oe=5F036739\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined BCX0 SCXW187220651\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXW187220651\" data-ccp-charstyle=\"Hyperlink\">Pesquisa no Facebook<\/span><\/span><\/a><span class=\"TextRun BCX0 SCXW187220651\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXW187220651\">\u00a0\u00a0mostra que o entusiasmo dos jovens pelas mensagens colocar\u00e1 mais press\u00e3o sobre o setor banc\u00e1rio.\u00a0<\/span><\/span><span class=\"TextRun BCX0 SCXW187220651\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXW187220651\">Descobriu-se que 90% de consumidores de contas correntes com idades entre 18 e 34 anos dizem que se sentem \u00e0 vontade para interagir com um banco em um aplicativo de mensagens.\u00a0<\/span><\/span><span class=\"LineBreakBlob BlobObject DragDrop BCX0 SCXW187220651\"><span class=\"BCX0 SCXW187220651\">\u00a0<\/span><br class=\"BCX0 SCXW187220651\" \/><\/span><span class=\"LineBreakBlob BlobObject DragDrop BCX0 SCXW187220651\"><span class=\"BCX0 SCXW187220651\">\u00a0<\/span><br class=\"BCX0 SCXW187220651\" \/><\/span><\/p>\n<h2>5. Eu\u00a0<span class=\"TextRun MacChromeBold SCXW65621440 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW65621440 BCX0\">os consumidores apreciam os chatbots como uma alternativa eficiente<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW65621440 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW65621440 BCX0\">2 em cada 3 que usaram um chatbot relatam uma experi\u00eancia positiva, citando velocidade e efici\u00eancia como o motivo. A maioria diz que os chatbots s\u00e3o atendidos ainda melhor do que um agente humano.\u00a0<\/span><\/span><span class=\"EOP SCXW65621440 BCX0\" data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span class=\"TextRun SCXW3343507 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW3343507 BCX0\">O que isso significa para o setor banc\u00e1rio? Os consumidores est\u00e3o prontos para mais... se as institui\u00e7\u00f5es financeiras oferecerem. Entre as grandes oportunidades no setor banc\u00e1rio:\u00a0<\/span><\/span><span class=\"EOP SCXW3343507 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span class=\"TextRun MacChromeBold SCXW240677146 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW240677146 BCX0\">Torne-o independente de canal<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW240677146 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW240677146 BCX0\">Alguns de seus clientes se sentir\u00e3o \u00e0 vontade com mensagens no aplicativo, enquanto outros preferir\u00e3o falar com uma pessoa real pelo telefone. A chave \u00e9 garantir que voc\u00ea tenha o canal certo para cada um de seus clientes, seja SMS, MMS, RCS, aplicativo de bate-papo, aplicativo social, e-mail ou voz. Todos esses elementos desempenham um papel vital na experi\u00eancia digital do cliente.\u00a0<\/span><\/span><span class=\"EOP SCXW240677146 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span class=\"TextRun MacChromeBold SCXW194776483 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW194776483 BCX0\">Intera\u00e7\u00f5es em tempo real com foco em seguran\u00e7a<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW194776483 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW194776483 BCX0\">Permita que seus clientes configurem facilmente acionadores de notifica\u00e7\u00e3o de atividades desequilibradas e incomuns. Lembre o\u00a0<\/span><\/span><a class=\"Hyperlink SCXW194776483 BCX0\" href=\"https:\/\/scontent.fbos1-1.fna.fbcdn.net\/v\/t39.8562-6\/58276482_2221839084733458_6389672002159902720_n.pdf\/inline_1_usa_changing_finance.pdf?_nc_cat=100&amp;_nc_ohc=7i8-k2PbkVwAX_liyaA&amp;_nc_ht=scontent.fbos1-1.fna&amp;oh=8cd5581f021b45106be4c26e14a322c9&amp;oe=5F036739\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW194776483 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW194776483 BCX0\" data-ccp-charstyle=\"Hyperlink\">90% de consumidores de 18 a 34 anos afirma sentir<\/span><\/span><\/a><span class=\"TextRun SCXW194776483 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW194776483 BCX0\">\u00a0\u00a0confort\u00e1vel interagindo com um banco usando um aplicativo de mensagens.<\/span><\/span><span class=\"EOP SCXW194776483 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span class=\"TextRun MacChromeBold SCXW40327122 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW40327122 BCX0\">Suporta conversas seguras<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW40327122 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW40327122 BCX0\">Ofere\u00e7a aos clientes a op\u00e7\u00e3o de conversar com representantes por meio do aplicativo banc\u00e1rio ou usando um n\u00famero de telefone verificado por meio dos aplicativos de mensagens, sempre de olho na seguran\u00e7a. Essas intera\u00e7\u00f5es baseadas em mensagens s\u00e3o uma op\u00e7\u00e3o popular para os clientes, que quase sempre t\u00eam o telefone consigo por um\u00a0<\/span><span class=\"ContextualSpellingAndGrammarError SCXW40327122 BCX0\">troca de\u00a0<\/span><span class=\"NormalTextRun SCXW40327122 BCX0\">mensagens\u00a0<\/span><span class=\"ContextualSpellingAndGrammarError SCXW40327122 BCX0\">, mas\u00a0<\/span><span class=\"NormalTextRun SCXW40327122 BCX0\">\u00a0eles podem n\u00e3o conseguir fazer chamadas de voz ou fazer login em um computador.\u00a0<\/span><\/span><span class=\"EOP SCXW40327122 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span class=\"TextRun MacChromeBold SCXW234501847 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW234501847 BCX0\">Automatize o atendimento ao cliente<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW234501847 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW234501847 BCX0\">Nem todas as perguntas dos clientes exigem um toque humano. Para intera\u00e7\u00f5es mais rotineiras (por exemplo, por quanto tempo minha ag\u00eancia local est\u00e1 aberta?), os bancos podem implantar chatbots de mensagens ou chips de resposta de mensagens rich media (esses s\u00e3o scripts pr\u00e9-programados e recursos interativos entregues automaticamente por meio de mensagens). E para os clientes que precisam de ainda mais suporte do que as conversas automatizadas podem fornecer, o aplicativo pode redirecionar rapidamente o cliente das mensagens para uma chamada ao vivo.<\/span><\/span><span class=\"EOP SCXW234501847 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span class=\"TextRun MacChromeBold SCXW36055089 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW36055089 BCX0\">Solu\u00e7\u00f5es personalizadas<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW36055089 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW36055089 BCX0\">Um consumidor jovem pode estar \u00e0 procura de um empr\u00e9stimo de carro usado, enquanto um cliente mais velho pode procurar aconselhamento da seguran\u00e7a social mediante pedido. As mensagens podem ser uma parte importante da conversa, dando aos bancos a capacidade de iniciar conversas desencadeadas por um marco financeiro recente de um cliente. Por exemplo, \u201cPercebi que voc\u00ea configurou recentemente um dep\u00f3sito direto em sua conta poupan\u00e7a. Voc\u00ea gostaria de discutir as op\u00e7\u00f5es do mercado monet\u00e1rio para obter um retorno maior sobre esses fundos? Usando rich media ou RCS, os bancos tamb\u00e9m podem oferecer recursos avan\u00e7ados, como classifica\u00e7\u00f5es para recomendar produtos de hipoteca espec\u00edficos.<\/span><\/span><span class=\"EOP SCXW36055089 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span class=\"TextRun MacChromeBold SCXW108619719 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW108619719 BCX0\">Not\u00edcias financeiras baseadas em push<\/span><\/span><\/h2>\n<p><span class=\"TextRun SCXW108619719 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW108619719 BCX0\">Para clientes que desejam acompanhar os principais indicadores financeiros ou not\u00edcias, crie campanhas baseadas em push personalizadas para o indiv\u00edduo, seja not\u00edcias de \u00faltima hora sobre posi\u00e7\u00f5es de a\u00e7\u00f5es espec\u00edficas na carteira do cliente ou lan\u00e7amentos de indicadores econ\u00f4micos que impactam aqueles que se aproximam da aposentadoria.\u00a0<\/span><\/span><span class=\"EOP SCXW108619719 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span class=\"TextRun SCXW123495550 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW123495550 BCX0\">Em \u00faltima an\u00e1lise, independentemente do ecossistema de canais e recursos, a chave \u00e9 garantir que os clientes confiem em sua institui\u00e7\u00e3o financeira para proteger seu dinheiro e dados. Personalizar mensagens e recursos faz parte da equa\u00e7\u00e3o de confian\u00e7a, diz o Facebook. Encontrou 2 em 3 mil\u00eanios e a Gera\u00e7\u00e3o Z\u00a0\u00a0<\/span><\/span><a class=\"Hyperlink SCXW123495550 BCX0\" href=\"https:\/\/scontent.fbos1-1.fna.fbcdn.net\/v\/t39.8562-6\/58276482_2221839084733458_6389672002159902720_n.pdf\/inline_1_usa_changing_finance.pdf?_nc_cat=100&amp;_nc_ohc=7i8-k2PbkVwAX_liyaA&amp;_nc_ht=scontent.fbos1-1.fna&amp;oh=8cd5581f021b45106be4c26e14a322c9&amp;oe=5F036739\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW123495550 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW123495550 BCX0\" data-ccp-charstyle=\"Hyperlink\">afirma que &quot;sentir-se compreendido&quot;\u00a0<\/span><\/span><\/a><span class=\"TextRun SCXW123495550 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW123495550 BCX0\">\u00a0do seu provedor financeiro \u00e9 um importante indicador de confian\u00e7a.<\/span><\/span><span class=\"EOP SCXW123495550 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>As mensagens est\u00e3o mudando a experi\u00eancia do cliente banc\u00e1rio. No final de 2019, a Sinch entrevistou 2.300 consumidores globais para entender suas atitudes em rela\u00e7\u00e3o \u00e0s mensagens e como preferem interagir...<\/p>","protected":false},"author":22,"featured_media":16886,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_daim_seo_power":"","_daim_enable_ail":"","footnotes":""},"categories":[884],"tags":[63,32,53,49,833,33,50,46,828,39,25,29,64,125],"class_list":{"0":"post-16885","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-sms","8":"tag-allarme-per-whatsapp","9":"tag-android","10":"tag-archivia-chat-whatsapp","11":"tag-come-inviare-messaggi-che-si-autodistruggono-su-whatsapp-e-possibile-inviare-messaggi-whatsapp-che-si-autodistruggono-dopo-24-ore-utilizzando-funzione","12":"tag-how-to-set-up-auto-reply-for-whatsapp-guide-for-2020","13":"tag-google-chat-lalternativa-gratuita-a-whatsapp","14":"tag-come-archiviare","15":"tag-come-leggere-i-messaggi-eliminati","16":"tag-coronavirus","17":"tag-da-iphone-su-android","18":"tag-whatsapp","19":"tag-whatsapp-transfer","20":"tag-whatsapp-virus","21":"tag-whatsapp-web"},"yoast_head":"<!-- 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