Severity: 8192
Message: Creation of dynamic property CI_URI::$config is deprecated
Filename: core/URI.php
Line Number: 101
Backtrace:
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Router::$uri is deprecated
Filename: core/Router.php
Line Number: 127
Backtrace:
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$benchmark is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$hooks is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$config is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$log is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$utf8 is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$uri is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$exceptions is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$router is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$output is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$security is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$input is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$lang is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$load is deprecated
Filename: core/Controller.php
Line Number: 78
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$db is deprecated
Filename: core/Loader.php
Line Number: 390
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated
Filename: database/DB_driver.php
Line Number: 371
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$upload is deprecated
Filename: core/Loader.php
Line Number: 1279
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$email is deprecated
Filename: core/Loader.php
Line Number: 1279
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 132
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 290
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 164
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 233
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 313
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 354
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 284
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 291
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 306
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 316
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 317
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 318
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 319
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 377
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 110
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: Warning
Message: session_start(): Session cannot be started after headers have already been sent
Filename: Session/Session.php
Line Number: 143
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$session is deprecated
Filename: core/Loader.php
Line Number: 1279
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 1279
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 8
Function: __construct
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Common_model::$prefix is deprecated
Filename: models/Common_model.php
Line Number: 8
Backtrace:
File: /home1/hotspec/public_html/application/models/Common_model.php
Line: 8
Function: _error_handler
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 9
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Common_model::$userTbl is deprecated
Filename: models/Common_model.php
Line Number: 9
Backtrace:
File: /home1/hotspec/public_html/application/models/Common_model.php
Line: 9
Function: _error_handler
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 9
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Common_model::$loginTbl is deprecated
Filename: models/Common_model.php
Line Number: 10
Backtrace:
File: /home1/hotspec/public_html/application/models/Common_model.php
Line: 10
Function: _error_handler
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 9
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Common_model::$programorderitemsTbl is deprecated
Filename: models/Common_model.php
Line Number: 11
Backtrace:
File: /home1/hotspec/public_html/application/models/Common_model.php
Line: 11
Function: _error_handler
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 9
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Common_model::$manageconsultantTbl is deprecated
Filename: models/Common_model.php
Line Number: 12
Backtrace:
File: /home1/hotspec/public_html/application/models/Common_model.php
Line: 12
Function: _error_handler
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 9
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$common is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 9
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Setting_model::$prefix is deprecated
Filename: models/Setting_model.php
Line Number: 8
Backtrace:
File: /home1/hotspec/public_html/application/models/Setting_model.php
Line: 8
Function: _error_handler
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 10
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$Setting_model is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 10
Function: model
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$benchmark is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$hooks is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$config is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$log is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$utf8 is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$uri is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$exceptions is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$router is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$output is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$security is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$input is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$lang is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$db is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$upload is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$email is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$session is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$common is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$Setting_model is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property CI_Loader::$Blog_model is deprecated
Filename: core/Loader.php
Line Number: 925
Backtrace:
File: /home1/hotspec/public_html/application/views/template.php
Line: 4
Function: view
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Blog_model::$prefix is deprecated
Filename: models/Blog_model.php
Line Number: 8
Backtrace:
File: /home1/hotspec/public_html/application/models/Blog_model.php
Line: 8
Function: _error_handler
File: /home1/hotspec/public_html/application/helpers/common_helper.php
Line: 57
Function: model
File: /home1/hotspec/public_html/application/views/blogdetail.php
Line: 40
Function: getBlogComment
File: /home1/hotspec/public_html/application/views/template.php
Line: 3
Function: view
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
Severity: 8192
Message: Creation of dynamic property Home::$Blog_model is deprecated
Filename: core/Loader.php
Line Number: 353
Backtrace:
File: /home1/hotspec/public_html/application/helpers/common_helper.php
Line: 57
Function: model
File: /home1/hotspec/public_html/application/views/blogdetail.php
Line: 40
Function: getBlogComment
File: /home1/hotspec/public_html/application/views/template.php
Line: 3
Function: view
File: /home1/hotspec/public_html/application/controllers/Home.php
Line: 312
Function: view
File: /home1/hotspec/public_html/index.php
Line: 325
Function: require_once
UX design has already proven to be a great strategy to help companies prioritize memorable experiences and translate them at all contact points with the user. The strategy ensures that the business vision, user needs, and technical resources are aligned. This is an experience design process that plans, identifies, and subscribes to the implementation of the necessary value differentials that a brand requires to create a sustainable competitive advantage. With the regulation of Open Banking and data sharing by financial institutions, UX becomes an invaluable tool. Investment in the strategy is fundamental for the process of user adhesion. Digital transformation is not just an option. The COVID-19 pandemic has accelerated the business world’s need to embrace digital transformation once and for all. This process is the first step to staying in the game, and there is no doubt about it. The Digital Revolution brought about intense and rapid technological changes, transforming our daily lives and the market itself. From it, you can: Some organizations were already preparing for its arrival, which absorbed the Design of Futures in their structures. The current moment has accelerated this process, and now, there is no turning back. Many speculations are being made about what is to come. But one thing is sure: it will not look like it used to. Only a 100% digital and user-centered business model supports companies to adopt new technologies and align themselves with emerging trends. Fintechs vs. traditional institutions in a pandemic world Fintechs have in their DNA the perfect combination of UX and technology. Even in a pandemic world, this sector grows more and more. In a scenario full of uncertainty, one thing seems inevitable: online channels will be given priority to physical agencies. In this context, the financial sector should focus on optimizing the user experience. Although traditional banks still have a more robust customer base, financial technology companies are gaining more and more strength. What sets these institutions apart is the ability to deliver personalized value to the end customer. Exponential organizations, unicorns, startups, love brands, fintechs, insurtechs, and big techs have expanded beyond their organizational boundaries. These institutions quickly access customers, assets, and platforms to maximize flexibility, speed, agility, and learning. Why should the financial sector adopt UX? The era of user experience gains even more relevance in times of transition. The consumer remains more aware than ever. The search for increasingly aligned links with more sensitive values sets precedents for questions such as "what do companies do that is relevant to the world?”. The need arises to overcome the organization’s barriers and commit to a mission that positively impacts the world. UX’s objective is to create an experience focused on the user, adapting processes, products, and services to their needs and demands, making a personalized journey for the customer. For a while, consumers have demanded more from brands in exchange for their hearts (and their money). Products and services alone are not enough to develop a profitable and sustainable business forever. The reason for this is precisely four letters: GAFA. The model is nothing more than the effect imposed on society by Google, Amazon, Facebook, and Apple. The four tech giants have accustomed their users with getting whatever they want at the press of a button. UX is the future (and the present) of the banking sector. Traditional financial institutions have understood that it is necessary to "fintechize” their operations. User-centric solutions and technologies such as Big Data and AI are essential to optimize the consumer experience. In a predominantly digital scenario, where there are no longer revolving doors or huge lines to make a transaction at the bank, it is possible to carry out processes in a matter of minutes. Open APIs enable a more sophisticated analysis of large volumes of data using emerging technologies. This is an excellent opportunity to convert insights into products and guide the business along a user-centric path. With that, we understand that UX has a fundamental role in the construction of digital products. The user experience goes far beyond just a pleasant interface to use.The mix between working hours, usability, and technology has led fintechs to the forefront of Digital Transformation in the banking sector.
Published : 24-09-2020 11:44
Author : Joe Oginni
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