El sector FinTech ha mejorado y ampliado su oferta en todo el mundo, estimulando el cambio en el mercado de los servicios financieros. ¿Pero, en qué sectores del mercado las FinTech startups están marcando tendencia?
“FinTech” ya no es un simple concepto más del sector bancario, sino que ya se ha convertido en un término familiar de la tecnología en general. Las inversiones globales en empresas FinTech se han duplicado hasta alcanzar la enorme cifra de 112.000 millones de dólares, en comparación con los 51.000 millones del año anterior. Esto es más que una prueba que demuestra que la revolución digital está a las puertas del sector financiero.
Esta revolución provocada por cada vez más fintech startups y bancos fintech está teniendo un enorme impacto en todos los bancos e instituciones financieras a nivel mundial. Pero, ¿qué es en realidad FinTech?
Qué es FinTech
El término FinTech deriva de la unión de dos palabras que son Financial Services (servicios financieros) y Digital Technology (tecnología digital). En pocas palabras, FinTech se refiere al uso de la tecnología digital por parte de las startups para crear productos y servicios innovadores como pagos móviles, finanzas alternativas, banca online, big data y gestión financiera en general.
Qué es Fintech?
Las empresas FinTech son organizaciones que combinan modelos de negocios innovadores y tecnología para permitir, mejorar y transformar los servicios financieros.
FinTech se introdujo inicialmente como una tecnología que se utilizaba en los sistemas internos de las instituciones financieras y los bancos. Sin embargo, desde sus inicios su definición ha cambiado de forma significativa.
Ahora abarca varias aplicaciones basadas en el consumidor: se pueden vender acciones, administrar fondos y pagar seguros y otros gastos a través de esta tecnología.
FinTech para la banca ha impactado en numerosas áreas y ha revolucionado la forma en que los consumidores acceden a sus finanzas. Su presencia va desde apps de pago móvil, hasta compañías de inversión y de seguros. Este enorme impacto FinTech puede verse como una amenaza potencial para los bancos tradicionales, pero también como una oportunidad
Los bancos tienen un papel cada vez mayor en el ecosistema de la innovación si saben formar las alianzas estratégicas con las Fintech startups, quienes vienen con la promesa de alterar los principales actores del mundo financiero.
El rápido cambio hacia la era FinTech
En la actual era digital, los clientes no están dispuestos a conformarse con los servicios ofrecidos por los bancos tradicionales. En cambio, prefieren optar por servicios que sean rápidos y seguros. Esta es la razón por la cual las empresas FinTech están ganando popularidad y disrumpiendo en la banca y otros servicios financieros.
La amenaza real para la banca tradicional viene de startups fintech que están minando partes clave de sus franquicias. Gracias a FinTech, los problemas que presentan los bancos tradicionales como tener que contar con cierta antigüedad en el banco, hacer cola en las oficinas, rellenar un sinfín de formularios, proporcionar una documentación interminable y esperar incluso varias semanas para obtener una simple aprobación, podrían desaparecer por completo.
Además, una gran ventaja de los bancos FinTech y empresas FinTech es que la gran mayoría ofrece la posibilidad de obtener préstamos sin comisiones. Hoy en día, los bancos tradicionales se enfrentan a un gran competidor, y han intensificado sus esfuerzos ofreciendo la posibilidad de solicitar préstamos personales a través de Internet y sin apenas papeleo. Están tratando de competir con las FinTech.
Evolución de la adopción de FinTech a nivel mundial y en 20 mercados (Source: EY 2017).
A los consumidores les gusta lo que ven. La adopción de los servicios FinTech ha ido aumentando progresivamente, desde el 16% en 2015, el año en que se publicó el primer Índice de Adopción de FinTech, al 33% en 2017, al 64% en 2019. El conocimiento general de FinTech, incluso entre los no-adoptantes, hoy en día es increíblemente alto. A nivel mundial, el 96% de los consumidores conocen al menos un servicio alternativo FinTech disponible para ayudarles a transferir dinero y hacer pagos.
Adopción global
La adopción global de FinTech ha alcanzado el 64% y se ha generalizado en todos los mercados a nivel mundial
Las cifras demuestran que Fintech se está expandiendo en una amplia gama de áreas en el sector de los servicios financieros y por ello, es importante que las empresas del sector se mantengan al día con las crecientes demandas.
Pero, ¿cómo afecta Fintech exactamente a los servicios financieros y en qué segmentos está causando un mayor impacto? Profundicemos en el tema.
Las 4 áreas de negocio principales de las FinTech
Las empresas FinTech están impulsando cambios en el mercado centrándose en tecnologías emergentes que proporcionarán una experiencia totalmente renovada a sus clientes. A medida que los actores actuales se adapten al mercado y comiencen a centrarse en estas tecnologías, podrán acercarse a FinTech, utilizar las tecnologías para adaptarse rápidamente a los rápidos cambios de este ecosistema y sus regulaciones y, en definitiva, proporcionar una mejor experiencia al usuario.
Para ello es importante destacar los siguientes cuatro pilares de negocio: gestión de activos y patrimonios, financiación y concesión de créditos, seguros, y pagos y transacciones.
1. Gestión de activos y patrimonios
En este área de negocio encontramos a bancos y empresas dedicados a ayudar a aquellos que buscan asesoramiento en la gestión de su patrimonio a fin de lograr una serie de objetivos diferentes, como el crecimiento basado en la inversión, la transferencia de activos o la reducción de impuestos.
Los agentes de este pilar de negocio son demasiado conformistas con la revolución FinTech como para aprovechar al máximo las oportunidades que esta ofrece. Sin embargo, son conscientes de que la presencia de las FinTech en la industria es una realidad consolidada, ya que
- el 41% cree que sus clientes ya están haciendo negocios con empresas FinTech y
- el 60% ven las actividades de gestión del patrimonio en riesgo de pasar a una FinTech.
Aunque son escépticos, los gestores de activos y de patrimonio siguen invirtiendo en nuevas tecnologías. Creen que las FinTechs tienen el mayor potencial para mejorar la experiencia de los clientes, pero la mayor parte de su interés real se centra en el análisis de datos y la automatización de la asignación de activos, áreas típicamente asociadas a los «robo-asesores». Parecen estar siguiendo el enfoque tradicional de la innovación, prefiriendo focalizarse en iniciativas a corto plazo en lugar de considerar nuevas mejoras en el mercado. La “mentalidad FinTech”, aún en sus inicios en la industria AWM, dificulta que los agentes de este área de negocio entiendan y sepan aprovechar las tendencias de los avances FinTech que están transformando el mercado.
2. Financiación y concesión de créditos
El sector bancario continuará siendo el área de negocio más afectado por la revolución FinTech durante los próximos años. Con el talento clave y con cada vez más inversores entrando con fuerza en el sector FinTech, las instituciones financieras tradicionales se ven obligadas a actuar con rapidez. Bancos de todo el mundo siguen trabajando para simplificar sus negocios y reducir su dependencia de la infraestructura tradicional. Esto, sin embargo, es una tarea compleja debido a la fuerte regulación a la que están sometidos.
Los bancos se han dado cuenta que no pueden cambiar y adaptarse tan rápidamente como las empresas Fintech y, por lo tanto, la mayoría de ellos han empezado a buscar la forma de financiar a Fintech startups que creen productos que se puedan incorporar a los servicios de los propios bancos para mejorar la experiencia de sus clientes, lo que permitirá a la industria Fintech potenciar que hasta los bancos más tradicionales acaben por ofrecer mejores servicios al usuario final.
Te puede interesar: Neo Bancos: qué son y qué ventajas tienen
3. Seguros
Las compañías de seguros han intensificado sus esfuerzos para mantenerse al ritmo de las tendencias que están transformando el mercado y cerrando la brecha con otros sectores financieros. Aunque que Insurtech se está convirtiendo rápidamente en una industria propiamente dicha, todavía pertenece al sector Fintech. Los seguros están adoptando las nuevas tecnologías con cierta lentitud, y muchas fintech startups se están asociando con las compañías de seguros tradicionales para ayudar a automatizar los procesos y ampliar su gama de servicios. Desde seguros de automóviles móviles hasta wearables para seguros de salud, la industria está comenzando a apostar por la innovación.
Además, la creciente complejidad de los modelos de datos y análisis para identificar y cuantificar mejor el riesgo es considerada la tendencia más importante y aquella a la que el mercado tiene más probabilidades de dar respuesta. Por ello, las aseguradoras están adoptando la innovación centrada en el análisis de datos y son muchas las que tienen previsto invertir en ella en los próximos años.
4. Pagos y transacciones
En este área encontramos a todas las plataformas para realizar consultas de saldo, pagos y transferencias a través de Internet, sin tener que acudir a la oficina física.
A pesar de que son muchos los bancos que ya ofrecen esta opción, las startup fintech son las que más están innovando en este sector. Hoy en día, enviar dinero digitalmente a cualquier parte del mundo es más fácil que nunca. Algunas de las compañías de pagos más populares son Zelle, Paypal, Stripe y Square.
Las empresas de pagos han seguido de cerca el auge FinTech y las implicaciones para su mercado, y están invirtiendo en tecnologías, como por ejemplo análisis de datos, móviles y ciberseguridad, que reflejan las tendencias más importantes para su industria. Las empresas de pago también están invirtiendo significativamente en la tecnología blockchain y la gran mayoría ya la ha adoptado en su sistema.
Tendencias Fintech en 2021
El FinTech es una industria en crecimiento con un sinfín de posibilidades para mejorar nuestros sistemas financieros. Algunas tendencias de tecnología financiera que veremos en 2021 son: el auge de los robo-asesores en el mercado de valores, el uso de blockchain en los sistemas contra el blanqueo de dinero, la implementación de informes de crédito alternativos y la descentralización de los pagos globales.
FinTech for the future of the financial sector
Although advances in the area of financial technology have been occurring at the speed of light, we have only begun to see the tip of the iceberg of all that is to come in the years ahead. FinTech is reshaping our lives and habits, facilitating trading, banking and money exchange without the need for physical interaction.
Nevertheless, the financial sector still has many challenges ahead, especially in the area of regulation and data protection, to gain consumer confidence and for FinTech to truly dominate the market.
With big data, blockchain, AI and so many other technological advances already in use or on the table, financial industry leaders must look for opportunities and adopt FinTech solutions in their own business models to reach out to tomorrow’s consumers.
Find your business motivation!
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[et_pb_line_break_holder] --> margin: 0;<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._form-inner {<!-- [et_pb_line_break_holder] --> display: block;<!-- [et_pb_line_break_holder] --> min-width: 100%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._form-title,<!-- [et_pb_line_break_holder] --> ._inline-style {<!-- [et_pb_line_break_holder] --> margin-top: 0;<!-- [et_pb_line_break_holder] --> margin-right: 0;<!-- [et_pb_line_break_holder] --> margin-left: 0;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._form-title {<!-- [et_pb_line_break_holder] --> font-size: 1.2em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._form_element {<!-- [et_pb_line_break_holder] --> margin: 0 0 20px;<!-- [et_pb_line_break_holder] --> padding: 0;<!-- [et_pb_line_break_holder] --> width:100%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._form-element,<!-- [et_pb_line_break_holder] --> ._inline-style,<!-- [et_pb_line_break_holder] --> input[type="text"],<!-- [et_pb_line_break_holder] --> label,<!-- [et_pb_line_break_holder] --> p,<!-- [et_pb_line_break_holder] --> textarea:not(.g-recaptcha-response) {<!-- [et_pb_line_break_holder] --> float: none;<!-- [et_pb_line_break_holder] --> display: block;<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._row._checkbox-radio label {<!-- [et_pb_line_break_holder] --> display: inline;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._row,<!-- [et_pb_line_break_holder] --> p,<!-- [et_pb_line_break_holder] --> label {<!-- [et_pb_line_break_holder] --> margin-bottom: 0.7em;<!-- [et_pb_line_break_holder] --> width: 100%;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._row input[type="checkbox"],<!-- [et_pb_line_break_holder] --> ._row input[type="radio"] {<!-- [et_pb_line_break_holder] --> margin: 0 !important;<!-- [et_pb_line_break_holder] --> vertical-align: middle !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._row input[type="checkbox"] + span label {<!-- [et_pb_line_break_holder] --> display: inline;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._row span label {<!-- [et_pb_line_break_holder] --> margin: 0 !important;<!-- [et_pb_line_break_holder] --> width: initial !important;<!-- [et_pb_line_break_holder] --> vertical-align: middle !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._form-image {<!-- [et_pb_line_break_holder] --> max-width: 100%;<!-- [et_pb_line_break_holder] --> height: auto !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type="text"] {<!-- [et_pb_line_break_holder] --> padding-left: 10px;<!-- [et_pb_line_break_holder] --> padding-right: 10px;<!-- [et_pb_line_break_holder] --> font-size: 16px;<!-- [et_pb_line_break_holder] --> line-height: 1.3em;<!-- [et_pb_line_break_holder] --> -webkit-appearance: none;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> input[type="radio"],<!-- [et_pb_line_break_holder] --> input[type="checkbox"] {<!-- [et_pb_line_break_holder] --> display: inline-block;<!-- [et_pb_line_break_holder] --> width: 1.3em;<!-- [et_pb_line_break_holder] --> height: 1.3em;<!-- [et_pb_line_break_holder] --> font-size: 1em;<!-- [et_pb_line_break_holder] --> margin: 0 0.3em 0 0;<!-- [et_pb_line_break_holder] --> vertical-align: baseline;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> button[type="submit"] {<!-- [et_pb_line_break_holder] --> padding: 20px;<!-- [et_pb_line_break_holder] --> font-size: 1.5em;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> ._inline-style {<!-- [et_pb_line_break_holder] --> margin: 20px 0 0 !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->& {<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> text-align: left;<!-- [et_pb_line_break_holder] --> margin: 25px auto 0;<!-- [et_pb_line_break_holder] --> padding: 20px;<!-- [et_pb_line_break_holder] --> -webkit-box-sizing: border-box;<!-- [et_pb_line_break_holder] --> -moz-box-sizing: border-box;<!-- [et_pb_line_break_holder] --> box-sizing: border-box;<!-- [et_pb_line_break_holder] --> *zoom: 1;<!-- [et_pb_line_break_holder] --> background: ##ffffff !important;<!-- [et_pb_line_break_holder] --> border: 0px solid #B0B0B0 !important;<!-- [et_pb_line_break_holder] --> width: 500px;<!-- [et_pb_line_break_holder] --> -moz-border-radius: 0px !important;<!-- [et_pb_line_break_holder] --> -webkit-border-radius: 0px !important;<!-- [et_pb_line_break_holder] --> border-radius: 0px !important;<!-- [et_pb_line_break_holder] --> color: #000000 !important;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->._form-title {<!-- [et_pb_line_break_holder] --> font-size: 22px;<!-- [et_pb_line_break_holder] --> line-height: 22px;<!-- [et_pb_line_break_holder] --> font-weight: 600;<!-- [et_pb_line_break_holder] --> margin-bottom: 0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->&:before,<!-- [et_pb_line_break_holder] -->&:after {<!-- [et_pb_line_break_holder] --> content: " ";<!-- [et_pb_line_break_holder] --> display: table;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->&:after {<!-- [et_pb_line_break_holder] --> clear: both;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->._inline-style {<!-- [et_pb_line_break_holder] --> width: auto;<!-- [et_pb_line_break_holder] --> display: inline-block;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->._inline-style input[type="text"],<!-- [et_pb_line_break_holder] -->._inline-style input[type="date"] {<!-- [et_pb_line_break_holder] --> padding: 10px 12px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->._inline-style button._inline-style {<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> top: 27px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->._inline-style p {<!-- [et_pb_line_break_holder] --> margin: 0;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->._inline-style ._button-wrapper {<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> margin: 27px 12.5px 0 20px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->._form-thank-you {<!-- [et_pb_line_break_holder] --> position: relative;<!-- [et_pb_line_break_holder] --> left: 0;<!-- [et_pb_line_break_holder] --> right: 0;<!-- [et_pb_line_break_holder] --> text-align: center;<!-- [et_pb_line_break_holder] --> font-size: 18px;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->@media all and (min-width: 320px) and (max-width: 667px) {<!-- [et_pb_line_break_holder] --> ._inline-form._inline-style ._inline-style._button-wrapper {<!-- [et_pb_line_break_holder] --> margin-top: 20px !important;<!-- [et_pb_line_break_holder] --> margin-left: 0 !important;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --> #_form_9_ ._form_1 { width:100%; background-color:#dbf2f7; padding:10px; }<!-- [et_pb_line_break_holder] --></style><!-- [et_pb_line_break_holder] --><form method="POST" action="https://truust4124.activehosted.com/proc.php" id="_form_9_" class="_form _form_9 _inline-form " novalidate><!-- [et_pb_line_break_holder] --> <input type="hidden" name="u" value="9" /><!-- [et_pb_line_break_holder] --> <input type="hidden" name="f" value="9" /><!-- [et_pb_line_break_holder] --> <input type="hidden" name="s" /><!-- [et_pb_line_break_holder] --> <input type="hidden" name="c" value="0" /><!-- [et_pb_line_break_holder] --> <input type="hidden" name="m" value="0" /><!-- [et_pb_line_break_holder] --> <input type="hidden" name="act" value="sub" /><!-- [et_pb_line_break_holder] --> <input type="hidden" name="v" value="2" /><!-- [et_pb_line_break_holder] --> <div class="_form-content"><!-- [et_pb_line_break_holder] --> <div class="_form_element _x81290551 _full_width " ><!-- [et_pb_line_break_holder] --> <label class="_form-label"><!-- [et_pb_line_break_holder] --> First Name*<!-- [et_pb_line_break_holder] --> </label><!-- [et_pb_line_break_holder] --> <div class="_field-wrapper"><!-- [et_pb_line_break_holder] --> <input type="text" name="firstname" placeholder="Type your first name" required/><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> <div class="_form_element _x42104337 _full_width " ><!-- [et_pb_line_break_holder] --> <label class="_form-label"><!-- [et_pb_line_break_holder] --> Email*<!-- [et_pb_line_break_holder] --> </label><!-- [et_pb_line_break_holder] --> <div class="_field-wrapper"><!-- [et_pb_line_break_holder] --> <input type="text" name="email" placeholder="Your email" required/><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> <div class="_form_element _field21 _full_width " ><!-- [et_pb_line_break_holder] --> <div class="_row"><!-- [et_pb_line_break_holder] --> <label class="_form-label"><!-- [et_pb_line_break_holder] --> </label><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> <input data-autofill="false" type="hidden" name="field[21][]" value="~|"><!-- [et_pb_line_break_holder] --> <div class="_row _checkbox-radio"><!-- [et_pb_line_break_holder] --> <input id="field_21I have read and accept the Privacy Policy.*" type="checkbox" name="field[21][]" value="I have read and accept the Privacy Policy.*" required><!-- [et_pb_line_break_holder] --> <span><!-- [et_pb_line_break_holder] --> <label for="field_21I have read and accept the Privacy Policy.*"><!-- [et_pb_line_break_holder] --> I have read and accept the <a target="_blank" href="https://truust.io/privacy-policy/" style="font-size:12px;">Privacy Policy</a>.*<!-- [et_pb_line_break_holder] --> </label><!-- [et_pb_line_break_holder] --> </span><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> <div class="_form_element _x55892198 _full_width _clear" ><!-- [et_pb_line_break_holder] --> <div class="_html-code"><!-- [et_pb_line_break_holder] --> <p style="font-size:10px; line-height: 12px;"><!-- [et_pb_line_break_holder] --> We recommend that you read the following information before providing us with your personal details. Basic information on data protection: the data controller is Socialpay, S.L. for the purpose of sending commercial communications. under the legal conditions, you have the right to access, rectify and delete data, the limitation of its processing, to oppose it and its portability. You can consult the additional and detailed information about Data Protection in this <a target="_blank" href="https://truust.io/privacy-policy/" style="font-size:10px;">link</a>.<!-- [et_pb_line_break_holder] --> </p><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> <div class="_button-wrapper _full_width"><!-- [et_pb_line_break_holder] --> <button id="_form_9_submit" class="_submit" type="submit"><!-- [et_pb_line_break_holder] --> Subscribe to our Newsletter<!-- [et_pb_line_break_holder] --> </button><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> <div class="_clear-element"><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --> <div class="_form-thank-you" style="display:none;"><!-- [et_pb_line_break_holder] --> </div><!-- [et_pb_line_break_holder] --></form><script type="text/javascript"><!-- [et_pb_line_break_holder] -->window.cfields = {"21":"i_have_read"};<!-- [et_pb_line_break_holder] -->window._show_thank_you = function(id, message, trackcmp_url) {<!-- [et_pb_line_break_holder] --> var form = document.getElementById('_form_' + id + '_'), thank_you = form.querySelector('._form-thank-you');<!-- [et_pb_line_break_holder] --> form.querySelector('._form-content').style.display = 'none';<!-- [et_pb_line_break_holder] --> thank_you.innerHTML = message;<!-- [et_pb_line_break_holder] --> thank_you.style.display = 'block';<!-- [et_pb_line_break_holder] --> if (typeof(trackcmp_url) != 'undefined' && trackcmp_url) {<!-- [et_pb_line_break_holder] --> // Site tracking URL to use after inline form submission.<!-- [et_pb_line_break_holder] --> _load_script(trackcmp_url);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (typeof window._form_callback !== 'undefined') window._form_callback(id);<!-- [et_pb_line_break_holder] -->};<!-- [et_pb_line_break_holder] -->window._show_error = function(id, message, html) {<!-- [et_pb_line_break_holder] --> var form = document.getElementById('_form_' + id + '_'), err = document.createElement('div'), button = form.querySelector('button'), old_error = form.querySelector('._form_error');<!-- [et_pb_line_break_holder] --> if (old_error) old_error.parentNode.removeChild(old_error);<!-- [et_pb_line_break_holder] --> err.innerHTML = message;<!-- [et_pb_line_break_holder] --> err.className = '_error-inner _form_error _no_arrow';<!-- [et_pb_line_break_holder] --> var wrapper = document.createElement('div');<!-- [et_pb_line_break_holder] --> wrapper.className = '_form-inner';<!-- [et_pb_line_break_holder] --> wrapper.appendChild(err);<!-- [et_pb_line_break_holder] --> button.parentNode.insertBefore(wrapper, button);<!-- [et_pb_line_break_holder] --> document.querySelector('[id^="_form"][id$="_submit"]').disabled = false;<!-- [et_pb_line_break_holder] --> if (html) {<!-- [et_pb_line_break_holder] --> var div = document.createElement('div');<!-- [et_pb_line_break_holder] --> div.className = '_error-html';<!-- [et_pb_line_break_holder] --> div.innerHTML = html;<!-- [et_pb_line_break_holder] --> err.appendChild(div);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->};<!-- [et_pb_line_break_holder] -->window._load_script = function(url, callback) {<!-- [et_pb_line_break_holder] --> var head = document.querySelector('head'), script = document.createElement('script'), r = false;<!-- [et_pb_line_break_holder] --> script.type = 'text/javascript';<!-- [et_pb_line_break_holder] --> script.charset = 'utf-8';<!-- [et_pb_line_break_holder] --> script.src = url;<!-- [et_pb_line_break_holder] --> if (callback) {<!-- [et_pb_line_break_holder] --> script.onload = script.onreadystatechange = function() {<!-- [et_pb_line_break_holder] --> if (!r && (!this.readyState || this.readyState == 'complete')) {<!-- [et_pb_line_break_holder] --> r = true;<!-- [et_pb_line_break_holder] --> callback();<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> head.appendChild(script);<!-- [et_pb_line_break_holder] -->};<!-- [et_pb_line_break_holder] -->(function() {<!-- [et_pb_line_break_holder] --> if (window.location.search.search("excludeform") !== -1) return false;<!-- [et_pb_line_break_holder] --> var getCookie = function(name) {<!-- [et_pb_line_break_holder] --> var match = document.cookie.match(new RegExp('(^|; )' + name + '=([^;]+)'));<!-- [et_pb_line_break_holder] --> return match ? match[2] : null;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var setCookie = function(name, value) {<!-- [et_pb_line_break_holder] --> var now = new Date();<!-- [et_pb_line_break_holder] --> var time = now.getTime();<!-- [et_pb_line_break_holder] --> var expireTime = time + 1000 * 60 * 60 * 24 * 365;<!-- [et_pb_line_break_holder] --> now.setTime(expireTime);<!-- [et_pb_line_break_holder] --> document.cookie = name + '=' + value + '; expires=' + now + ';path=/';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var addEvent = function(element, event, func) {<!-- [et_pb_line_break_holder] --> if (element.addEventListener) {<!-- [et_pb_line_break_holder] --> element.addEventListener(event, func);<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> var oldFunc = element['on' + event];<!-- [et_pb_line_break_holder] --> element['on' + event] = function() {<!-- [et_pb_line_break_holder] --> oldFunc.apply(this, arguments);<!-- [et_pb_line_break_holder] --> func.apply(this, arguments);<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var _removed = false;<!-- [et_pb_line_break_holder] --> var form_to_submit = document.getElementById('_form_9_');<!-- [et_pb_line_break_holder] --> var allInputs = form_to_submit.querySelectorAll('input, select, textarea'), tooltips = [], submitted = false;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var getUrlParam = function(name) {<!-- [et_pb_line_break_holder] --> var regexStr = '[\?&]' + name + '=([^&#]*)';<!-- [et_pb_line_break_holder] --> var results = new RegExp(regexStr, 'i').exec(window.location.href);<!-- [et_pb_line_break_holder] --> return results != undefined ? decodeURIComponent(results[1]) : false;<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> for (var i = 0; i < allInputs.length; i++) {<!-- [et_pb_line_break_holder] --> var regexStr = "field\\[(\\d+)\\]";<!-- [et_pb_line_break_holder] --> var results = new RegExp(regexStr).exec(allInputs[i].name);<!-- [et_pb_line_break_holder] --> if (results != undefined) {<!-- [et_pb_line_break_holder] --> allInputs[i].dataset.name = window.cfields[results[1]];<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> allInputs[i].dataset.name = allInputs[i].name;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> var fieldVal = getUrlParam(allInputs[i].dataset.name);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> if (fieldVal) {<!-- [et_pb_line_break_holder] --> if (allInputs[i].dataset.autofill === "false") {<!-- [et_pb_line_break_holder] --> continue;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (allInputs[i].type == "radio" || allInputs[i].type == "checkbox") {<!-- [et_pb_line_break_holder] --> if (allInputs[i].value == fieldVal) {<!-- [et_pb_line_break_holder] --> allInputs[i].checked = true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> allInputs[i].value = fieldVal;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> var remove_tooltips = function() {<!-- [et_pb_line_break_holder] --> for (var i = 0; i < tooltips.length; i++) {<!-- [et_pb_line_break_holder] --> tooltips[i].tip.parentNode.removeChild(tooltips[i].tip);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> tooltips = [];<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var remove_tooltip = function(elem) {<!-- [et_pb_line_break_holder] --> for (var i = 0; i < tooltips.length; i++) {<!-- [et_pb_line_break_holder] --> if (tooltips[i].elem === elem) {<!-- [et_pb_line_break_holder] --> tooltips[i].tip.parentNode.removeChild(tooltips[i].tip);<!-- [et_pb_line_break_holder] --> tooltips.splice(i, 1);<!-- [et_pb_line_break_holder] --> return;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var create_tooltip = function(elem, text) {<!-- [et_pb_line_break_holder] --> var tooltip = document.createElement('div'), arrow = document.createElement('div'), inner = document.createElement('div'), new_tooltip = {};<!-- [et_pb_line_break_holder] --> if (elem.type != 'radio' && elem.type != 'checkbox') {<!-- [et_pb_line_break_holder] --> tooltip.className = '_error';<!-- [et_pb_line_break_holder] --> arrow.className = '_error-arrow';<!-- [et_pb_line_break_holder] --> inner.className = '_error-inner';<!-- [et_pb_line_break_holder] --> inner.innerHTML = text;<!-- [et_pb_line_break_holder] --> tooltip.appendChild(arrow);<!-- [et_pb_line_break_holder] --> tooltip.appendChild(inner);<!-- [et_pb_line_break_holder] --> elem.parentNode.appendChild(tooltip);<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> tooltip.className = '_error-inner _no_arrow';<!-- [et_pb_line_break_holder] --> tooltip.innerHTML = text;<!-- [et_pb_line_break_holder] --> elem.parentNode.insertBefore(tooltip, elem);<!-- [et_pb_line_break_holder] --> new_tooltip.no_arrow = true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> new_tooltip.tip = tooltip;<!-- [et_pb_line_break_holder] --> new_tooltip.elem = elem;<!-- [et_pb_line_break_holder] --> tooltips.push(new_tooltip);<!-- [et_pb_line_break_holder] --> return new_tooltip;<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var resize_tooltip = function(tooltip) {<!-- [et_pb_line_break_holder] --> var rect = tooltip.elem.getBoundingClientRect();<!-- [et_pb_line_break_holder] --> var doc = document.documentElement, scrollPosition = rect.top - ((window.pageYOffset || doc.scrollTop) - (doc.clientTop || 0));<!-- [et_pb_line_break_holder] --> if (scrollPosition < 40) {<!-- [et_pb_line_break_holder] --> tooltip.tip.className = tooltip.tip.className.replace(/ ?(_above|_below) ?/g, '') + ' _below';<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> tooltip.tip.className = tooltip.tip.className.replace(/ ?(_above|_below) ?/g, '') + ' _above';<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var resize_tooltips = function() {<!-- [et_pb_line_break_holder] --> if (_removed) return;<!-- [et_pb_line_break_holder] --> for (var i = 0; i < tooltips.length; i++) {<!-- [et_pb_line_break_holder] --> if (!tooltips[i].no_arrow) resize_tooltip(tooltips[i]);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var validate_field = function(elem, remove) {<!-- [et_pb_line_break_holder] --> var tooltip = null, value = elem.value, no_error = true;<!-- [et_pb_line_break_holder] --> remove ? remove_tooltip(elem) : false;<!-- [et_pb_line_break_holder] --> if (elem.type != 'checkbox') elem.className = elem.className.replace(/ ?_has_error ?/g, '');<!-- [et_pb_line_break_holder] --> if (elem.getAttribute('required') !== null) {<!-- [et_pb_line_break_holder] --> if (elem.type == 'radio' || (elem.type == 'checkbox' && /any/.test(elem.className))) {<!-- [et_pb_line_break_holder] --> var elems = form_to_submit.elements[elem.name];<!-- [et_pb_line_break_holder] --> if (!(elems instanceof NodeList || elems instanceof HTMLCollection) || elems.length <= 1) {<!-- [et_pb_line_break_holder] --> no_error = elem.checked;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> else {<!-- [et_pb_line_break_holder] --> no_error = false;<!-- [et_pb_line_break_holder] --> for (var i = 0; i < elems.length; i++) {<!-- [et_pb_line_break_holder] --> if (elems[i].checked) no_error = true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (!no_error) {<!-- [et_pb_line_break_holder] --> tooltip = create_tooltip(elem, "Please select an option.");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> } else if (elem.type =='checkbox') {<!-- [et_pb_line_break_holder] --> var elems = form_to_submit.elements[elem.name], found = false, err = [];<!-- [et_pb_line_break_holder] --> no_error = true;<!-- [et_pb_line_break_holder] --> for (var i = 0; i < elems.length; i++) {<!-- [et_pb_line_break_holder] --> if (elems[i].getAttribute('required') === null) continue;<!-- [et_pb_line_break_holder] --> if (!found && elems[i] !== elem) return true;<!-- [et_pb_line_break_holder] --> found = true;<!-- [et_pb_line_break_holder] --> elems[i].className = elems[i].className.replace(/ ?_has_error ?/g, '');<!-- [et_pb_line_break_holder] --> if (!elems[i].checked) {<!-- [et_pb_line_break_holder] --> no_error = false;<!-- [et_pb_line_break_holder] --> elems[i].className = elems[i].className + ' _has_error';<!-- [et_pb_line_break_holder] --> err.push("Checking %s is required".replace("%s", elems[i].value));<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (!no_error) {<!-- [et_pb_line_break_holder] --> tooltip = create_tooltip(elem, err.join('<br/>'));<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> } else if (elem.tagName == 'SELECT') {<!-- [et_pb_line_break_holder] --> var selected = true;<!-- [et_pb_line_break_holder] --> if (elem.multiple) {<!-- [et_pb_line_break_holder] --> selected = false;<!-- [et_pb_line_break_holder] --> for (var i = 0; i < elem.options.length; i++) {<!-- [et_pb_line_break_holder] --> if (elem.options[i].selected) {<!-- [et_pb_line_break_holder] --> selected = true;<!-- [et_pb_line_break_holder] --> break;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> } else {<!-- [et_pb_line_break_holder] --> for (var i = 0; i < elem.options.length; i++) {<!-- [et_pb_line_break_holder] --> if (elem.options[i].selected && !elem.options[i].value) {<!-- [et_pb_line_break_holder] --> selected = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (!selected) {<!-- [et_pb_line_break_holder] --> elem.className = elem.className + ' _has_error';<!-- [et_pb_line_break_holder] --> no_error = false;<!-- [et_pb_line_break_holder] --> tooltip = create_tooltip(elem, "Please select an option.");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> } else if (value === undefined || value === null || value === '') {<!-- [et_pb_line_break_holder] --> elem.className = elem.className + ' _has_error';<!-- [et_pb_line_break_holder] --> no_error = false;<!-- [et_pb_line_break_holder] --> tooltip = create_tooltip(elem, "This field is required.");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (no_error && elem.name == 'email') {<!-- [et_pb_line_break_holder] --> if (!value.match(/^[\+_a-z0-9-'&=]+(\.[\+_a-z0-9-']+)*@[a-z0-9-]+(\.[a-z0-9-]+)*(\.[a-z]{2,})$/i)) {<!-- [et_pb_line_break_holder] --> elem.className = elem.className + ' _has_error';<!-- [et_pb_line_break_holder] --> no_error = false;<!-- [et_pb_line_break_holder] --> tooltip = create_tooltip(elem, "Enter a valid email address.");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (no_error && /date_field/.test(elem.className)) {<!-- [et_pb_line_break_holder] --> if (!value.match(/^\d\d\d\d-\d\d-\d\d$/)) {<!-- [et_pb_line_break_holder] --> elem.className = elem.className + ' _has_error';<!-- [et_pb_line_break_holder] --> no_error = false;<!-- [et_pb_line_break_holder] --> tooltip = create_tooltip(elem, "Enter a valid date.");<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> tooltip ? resize_tooltip(tooltip) : false;<!-- [et_pb_line_break_holder] --> return no_error;<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var needs_validate = function(el) {<!-- [et_pb_line_break_holder] --> return el.name == 'email' || el.getAttribute('required') !== null;<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> var validate_form = function(e) {<!-- [et_pb_line_break_holder] --> var err = form_to_submit.querySelector('._form_error'), no_error = true;<!-- [et_pb_line_break_holder] --> if (!submitted) {<!-- [et_pb_line_break_holder] --> submitted = true;<!-- [et_pb_line_break_holder] --> for (var i = 0, len = allInputs.length; i < len; i++) {<!-- [et_pb_line_break_holder] --> var input = allInputs[i];<!-- [et_pb_line_break_holder] --> if (needs_validate(input)) {<!-- [et_pb_line_break_holder] --> if (input.type == 'text') {<!-- [et_pb_line_break_holder] --> addEvent(input, 'blur', function() {<!-- [et_pb_line_break_holder] --> this.value = this.value.trim();<!-- [et_pb_line_break_holder] --> validate_field(this, true);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> addEvent(input, 'input', function() {<!-- [et_pb_line_break_holder] --> validate_field(this, true);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> } else if (input.type == 'radio' || input.type == 'checkbox') {<!-- [et_pb_line_break_holder] --> (function(el) {<!-- [et_pb_line_break_holder] --> var radios = form_to_submit.elements[el.name];<!-- [et_pb_line_break_holder] --> for (var i = 0; i < radios.length; i++) {<!-- [et_pb_line_break_holder] --> addEvent(radios[i], 'click', function() {<!-- [et_pb_line_break_holder] --> validate_field(el, true);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> })(input);<!-- [et_pb_line_break_holder] --> } else if (input.tagName == 'SELECT') {<!-- [et_pb_line_break_holder] --> addEvent(input, 'change', function() {<!-- [et_pb_line_break_holder] --> validate_field(this, true);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> } else if (input.type == 'textarea'){<!-- [et_pb_line_break_holder] --> addEvent(input, 'input', function() {<!-- [et_pb_line_break_holder] --> validate_field(this, true);<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> remove_tooltips();<!-- [et_pb_line_break_holder] --> for (var i = 0, len = allInputs.length; i < len; i++) {<!-- [et_pb_line_break_holder] --> var elem = allInputs[i];<!-- [et_pb_line_break_holder] --> if (needs_validate(elem)) {<!-- [et_pb_line_break_holder] --> if (elem.tagName.toLowerCase() !== "select") {<!-- [et_pb_line_break_holder] --> elem.value = elem.value.trim();<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> validate_field(elem) ? true : no_error = false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (!no_error && e) {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> resize_tooltips();<!-- [et_pb_line_break_holder] --> return no_error;<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> addEvent(window, 'resize', resize_tooltips);<!-- [et_pb_line_break_holder] --> addEvent(window, 'scroll', resize_tooltips);<!-- [et_pb_line_break_holder] --> window._old_serialize = null;<!-- [et_pb_line_break_holder] --> if (typeof serialize !== 'undefined') window._old_serialize = window.serialize;<!-- [et_pb_line_break_holder] --> _load_script("//d3rxaij56vjege.cloudfront.net/form-serialize/0.3/serialize.min.js", function() {<!-- [et_pb_line_break_holder] --> window._form_serialize = window.serialize;<!-- [et_pb_line_break_holder] --> if (window._old_serialize) window.serialize = window._old_serialize;<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> var form_submit = function(e) {<!-- [et_pb_line_break_holder] --> e.preventDefault();<!-- [et_pb_line_break_holder] --> if (validate_form()) {<!-- [et_pb_line_break_holder] --> // use this trick to get the submit button & disable it using plain javascript<!-- [et_pb_line_break_holder] --> document.querySelector('#_form_9_submit').disabled = true;<!-- [et_pb_line_break_holder] --> var serialized = _form_serialize(document.getElementById('_form_9_'));<!-- [et_pb_line_break_holder] --> var err = form_to_submit.querySelector('._form_error');<!-- [et_pb_line_break_holder] --> err ? err.parentNode.removeChild(err) : false;<!-- [et_pb_line_break_holder] --> _load_script('https://truust4124.activehosted.com/proc.php?' + serialized + '&jsonp=true');<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> };<!-- [et_pb_line_break_holder] --> addEvent(form_to_submit, 'submit', form_submit);<!-- [et_pb_line_break_holder] -->})();<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --></script>
