{"id":36157,"date":"2021-04-16T00:00:00","date_gmt":"2021-04-15T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/articulos\/we-need-innovation-and-to-learn-how-to-use-it\/"},"modified":"2026-04-09T09:49:23","modified_gmt":"2026-04-09T07:49:23","slug":"we-need-innovation-and-to-learn-how-to-use-it","status":"publish","type":"articulos","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/articulos\/we-need-innovation-and-to-learn-how-to-use-it\/","title":{"rendered":"We need innovation and to learn how to use it"},"content":{"rendered":"<p>Behind economic and social development lies innovation, which drives business productivity and improves working conditions and our quality of life. Without a doubt, society as a whole has always benefited from innovation, although the model followed until now is being challenged by the current technological revolution, which seeks to go beyond the traditional premise of &#8216;doing the same thing, but better.&#8217; While innovation in the past may have been disruptive, it has never been as much so as now, when it provides us with products and services we never imagined could be within reach of one or several clicks thanks to the Internet, which connects us more and better, and has been transforming production models for years.  <\/p>\n<p>Today&#8217;s increasingly digital society demands constant innovation to respond to emerging challenges. And while digital transformation provides solutions, it moves so fast that it can also generate uncertainty. Among other topics of debate are the development of artificial intelligence, the changing job profiles that will be in demand in the future, and the need to ensure that no one is left out of the benefits it brings. The International Monetary Fund (IMF) speaks of the &#8220;inclusive revolution&#8221; as the goal to pursue in order to achieve a more digital society, a prelude to greater economic growth and prosperity. Digitalization is considered a key factor for the development of emerging countries. In more advanced countries, digitalization represents an opportunity to grow more and better.     <\/p>\n<p>But an increasingly digitalized society requires assimilating a whirlwind of changes and the dose of uncertainty that always comes with the new. That is why the public and private sectors must join forces to help all people make the most of digital development, which also means becoming aware of the risks it entails so they can be avoided. We must learn to use new technologies. Do we know all the possibilities offered by that small computer we all carry in our pockets? And its risks\u2014are we aware of them too?    <\/p>\n<p>In Spain, all studies show that the main deficiency in this area is the training of society, from technical human capital to the digital literacy of users. Authorities and other economic agents must do everything possible to overcome this obstacle, because no one should be left out of the benefits of digitalization. And, naturally, age cannot be an impediment to progress, neither in this nor in other aspects of life, even though it may represent an added difficulty.  <\/p>\n<p>Digital communication has been key in a context of mandatory social distancing due to the pandemic. Many have suddenly discovered all the possibilities that the Internet offers, whether for carrying out administrative, banking, or healthcare procedures, among many others, that make our lives more convenient. It is not surprising, for example, that half of the banks in Spain already have 60% digital customers, a figure that doubles that of a year ago, according to the latest Funcas-KPMG survey. Another of its conclusions is the increased use of payment methods alternative to cash, such as cards and transfers, which anticipates a clear future dominance, perhaps shared by Wallet and Bizum. What was initially imposed as a side effect of the health crisis has become an opportunity for many who value the convenience, security, and flexibility offered by financial innovation. And digitalization, like any innovation, requires learning and adaptation, intrinsic characteristics of human beings.     <\/p>\n<p><strong>Jos\u00e9 Luis Mart\u00ednez Campuzano, S<\/strong><strong>pokesperson for the Spanish Banking Association<\/strong><\/p>\n<p><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2021\/04\/necesitamos-innovacion.pdf\">Download the article<\/a><\/p>\n<p><strong> <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Digital communication has been key in a context of mandatory social distancing due to the pandemic. Many have suddenly discovered all the possibilities that the Internet offers, whether for carrying out administrative, banking, or healthcare procedures, among many others, that make our lives more convenient. It is not surprising, for example, that half of the banks in Spain already have 60% digital customers, a figure that doubles that of a year ago.  <\/p>\n","protected":false},"featured_media":36060,"parent":0,"template":"","etiquetas":[312],"class_list":["post-36157","articulos","type-articulos","status-publish","has-post-thumbnail","hentry","etiquetas-jose-luis-martinez"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>We need innovation and to learn how to use it<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/articulos\/we-need-innovation-and-to-learn-how-to-use-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"We need innovation and to learn how to use it\" \/>\n<meta property=\"og:description\" content=\"Digital communication has been key in a context of mandatory social distancing due to the pandemic. 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