Digital transformation in financial services varies significantly across different markets, with some regions like Austria still relying heavily on personal interactions (98% of Austrians buy insurance personally) while others like Hungary have already eliminated field sales representatives entirely, demonstrating that successful digital adoption requires understanding and adapting to local market characteristics.
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Is the Future Digital?Ajouté :
So, if you imagine that only 2% of the Austrian population is using online insurance um for buy insurance. 98% are doing this personally. [music] Will this change quickly?
Maybe AI helps us here, but it's not the case that I would say in 2 years 75% of the Austrians are doing this only online.
If you go 100 km more east >> I was about to ask about the comparison to see if cuz I guess there is a different story here. In in Hungary, we have even no more sales guys there on the field. Here the big difference comes, and this is how how you have to distinguish between the different markets.
Raiffeisen Bank International, [music] make it happen.
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