Banca Digital: El Banco Peruano y su reto de incentivar el uso de sus Plataformas Digitales en sus clientes financieros.

La transformación digital se ha convertido en un importante aliado que ha hecho que las instituciones bancarias se reinventen al momento de ofrecer sus productos y servicios. No obstante, siguen existiendo brechas o objeciones en el uso de la banca digital en el Perú por parte de los clientes y/o usuarios. El presente trabajo de investigación tiene como objetivo mostrar el reto de un banco en poder incentivar a sus clientes al uso continuo y adecuado de los canales alternos, como son la página web y su banca móvil (app), tratando de superar la poca confianza, la inseguridad que actualmente atraviesa el país y la falta de cultura financiera que no contribuye a una libre y rápida adopción de esta nueva oferta que la banca peruana ofrece a todos los clientes. La celeridad con la que las nuevas tecnologías avanzan no va a la par con la curva de aprendizaje de los clientes la cual es más conservadora, y en esto se requiere un mayor esfuerzo del marketing para incentivar el uso, puesto que, la innovación tecnológica seguirá llevando a los bancos a volcar sus miradas a sus canales digitales. Para obtener la información presentada en esta investigación realizamos un trabajo explicativo realizando una entrevista a profundidad con un experto de la banca digital y apoyo bibliográfico que sustenten la problemática.Digital transformation has become an important ally that has made banking institutions reinvent themselves when offering their products and services. However, there are still gaps or objections in the use of digital banking in Peru by clients and/or users. The objective of this research work is to show the challenge of a bank in being able to encourage its clients to continuously and appropriately use alternative channels, such as the website and its mobile banking (app), trying to overcome the lack of trust, the insecurity that the country is currently experiencing and the lack of financial culture that does not contribute to a free and rapid adoption of this new offer that Peruvian banking offers to all clients. The speed with which new technologies advance is not on par with the learning curve of customers, which is more conservative, and in this case a greater marketing effort is required to encourage use since technological innovation will continue to lead to banks to turn their attention to their digital channels. To obtain the information presented in this research, we carried out explanatory work by conducting an in-depth interview with a digital banking expert and bibliographic support that supports the problem.Trabajo de Suficiencia Profesiona

Guidelines for the use and interpretation of assays for monitoring autophagy (4th edition)

In 2008, we published the first set of guidelines for standardizing research in autophagy. Since then, this topic has received increasing attention, and many scientists have entered the field. Our knowledge base and relevant new technologies have also been expanding. Thus, it is important to formulate on a regular basis updated guidelines for monitoring autophagy in different organisms. Despite numerous reviews, there continues to be confusion regarding acceptable methods to evaluate autophagy, especially in multicellular eukaryotes. Here, we present a set of guidelines for investigators to select and interpret methods to examine autophagy and related processes, and for reviewers to provide realistic and reasonable critiques of reports that are focused on these processes. These guidelines are not meant to be a dogmatic set of rules, because the appropriateness of any assay largely depends on the question being asked and the system being used. Moreover, no individual assay is perfect for every situation, calling for the use of multiple techniques to properly monitor autophagy in each experimental setting. Finally, several core components of the autophagy machinery have been implicated in distinct autophagic processes (canonical and noncanonical autophagy), implying that genetic approaches to block autophagy should rely on targeting two or more autophagy-related genes that ideally participate in distinct steps of the pathway. Along similar lines, because multiple proteins involved in autophagy also regulate other cellular pathways including apoptosis, not all of them can be used as a specific marker for bona fide autophagic responses. Here, we critically discuss current methods of assessing autophagy and the information they can, or cannot, provide. Our ultimate goal is to encourage intellectual and technical innovation in the field