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Vicenç Hernández / Economist. PhD in Economic Psychology. CEO of Tecnotramit and Treshabitat.Innovation involves much more than applying technology to a particular internal or external process. Technology is a means, not an end, and for its implementation to be disruptive it requires a pre and a post. The pre is a change in the company’s organisational culture, the post is a change in the business model, which describes the basis on which a company creates, provides and captures value. Digital technology makes it possible to generate new business models which, in turn, create a new type of customer value in a new way.  According to behavioural economics, people perceive value in two different ways. Acquisition value.Transaction value[1]. Acquisition value is based on standard economic theory and is comparable to what economists call “consumer surplus”. This term indicates the difference resulting from measuring the satisfaction of the object obtained and subtracting the opportunity cost of that which has been renounced. For a cold person, acquisition value is everything. A purchase will produce an abundance of acquisition value if, and only if, the buyer values the purchase far more than the money he has had to spend in return, thus providing satisfaction or meeting a need. But people in general also tend to value another aspect of the purchase: the perceived quality of the transaction. And that is precisely what the transa [...]

Vicenç Hernández / Economist. PhD in Economic Psychology. CEO of Tecnotramit and Treshabitat. One of the great dilemmas facing management today is how disruptors create their businesses to generate change and what knowledge and new practices these more traditional companies and institutions should have in order to try to counteract and become disruptive to their own markets. The dynamics of today’s competitive environment demand more agility from companies and institutions in order to change their traditional way of acting and know how to adapt to the new rules of their markets.  Digital transformation is top-down and requires a change of culture and approach by the entire organisation. But this can become mere theory with no relevant practical application if we do not understand the nature of this change and the threat this new generation of companies poses to their existing businesses. By disruption we understand the repercussion and influence that new technologies and digital business models condition the changes in the value proposal and positioning of the companies that form a market. The concept of disruption differs from that of digital transformation in that the latter refers to the changes that organisations should carry out by using digital technologies and business models to improve their performance and build a digital base. This transformation has to be brought about by one or more digital technologies and requires an organisational change impacting on pr [...]

Vicenç Hernández / Economist. Doctor in Economic Psychology The need for training Talking today about the importance of training in any professional activity is obvious. In the same way, we would discover nothing new when talking about the benefits that this training generates in return, not only to the professionals themselves, but also to the organisations and clients they serve. Professional training involves the development of knowledge, skills, behaviour and abilities necessary to carry out a professional activity efficiently. But in spite of being a generally accepted topic and as we say, something that is rather obvious, in our country we still find a practical reality that is far from the theoretical postulates. Many professionals consider training to be important as a starting point for their professional development, even though this training is acquired through daily practice and practical work. But these same professionals reject basic theoretical training for the simple reason that it is an investment in time and money which, while not a compulsory requirement, does not generate a return in the short term. In this article, we intend to draw attention to the urgent need for training and subsequent qualification of all the agents involved in mediation and advice in the real estate sector, both to provide a more efficient service to their clients and therefore to the companies and organisations in which they provide their services, and to give pres [...]

A review of recent international historyVicenç Hernández Reche / Economist. PhD. in Economic Psychology / CEO of Tecnotramit and Treshabitat. Summary In recent years, there has been a sharp increase in residential rental prices in many of the main metropolitan areas of the most advanced economies. The impact of this growth ranges from affecting the disposable income of families to the difficulty of access to housing by certain more disadvantaged groups. That is why in Spain the debate on public sector intervention in the rental market has had more repercussion with the aim of curbing the potential negative effects that a price hike could generate on the country’s macroeconomic and social stability. Generally speaking, the interventions from the public sector can be divided into three categories: price control by prohibiting the exceeding of a certain amount, the increase of public supply through the provision of rental housing, and finally, a set of measures aimed at both incentivising the private provision of rental housing and facilitating access by certain groups at a rental price appropriate to their possibilities. As these are not new measures and we can count on the experience and quantification of results based on measures taken in the past, we can now make an analysis of the possible impact of the consequences derived from these interventions. The present document aims to review one of these measures, and that is the control of rental income pr [...]

Vicenç Hernández Reche / Economist. PhD in Economic Psychology / General Manager of Tecnotramit and TreshabitatUntil relatively recently, if someone wanted to launch a project and funding was needed, they had a number of fairly limited options. From the well-known option of applying for a loan from a financial institution or requesting a grant, to the well-known 3F (friends, fools & family). But in recent years there has been a new option that is not so well known to the general public but which is gaining more and more followers. This is crowdfunding or micro-patronage. By crowdfunding we mean the collective cooperation carried out by people who make up a network with the aim of obtaining money or resources to finance initiatives by other people or organisations. This network is carried out through a web platform that enables a meeting point between supply and demand of money. Crowdfunding came about from the initial Open Source projects where developers offered their work in a disinterested way. Due to their success and the hours of work required, they began to ask for donations. Once again, the proposal was a great success. Crowdfunding came about among users demanding creative projects and willing to pay for them, and creators needing to finance their projects.  This new option opened up a field of possibilities for the financing of creative projects thanks to the small contributions of many people. Today there are several crowdfunding websites that [...]

Vicenç Hernández Reche / Economist. PhD in Economic Psychology / General Manager of Tecnotramit and TreshabitatAt the beginning of the year everything indicated that 2020 would be marked by a sharp slowdown which, with the right actions, could avoid a recessionary scenario. But the COVID-19 attack has been an exogenous shock of supply and demand until now unknown, of indefinite duration, without precedent and with a strong impact on the health of people that will undoubtedly remain engraved in the memory of an entire generation. Furthermore, it is a global crisis and therefore not focused on a particular geographical area, which would allow other areas not affected to show economic and financial solidarity. Fiscal or monetary measures require strong and solid public and private leadership, as well as more imaginative solutions with little track record.The prospects are therefore not at all promising. Commodity prices are expected to fall completely, capital movements and above all, international investment will be reduced at high rates.  The value chain relocation processes carried out during the last few years will have a return ticket, protected by trade wars and economic protectionism policies that will aim to embrace each of their national flags.Mixing health and economic aspects does not help to resolve them. Firstly because finding a solution that balances the moral obligation to save human lives with the responsibility to manage an economy that can lead to social co [...]

May 2018. Solidarity Dinner – Enriqueta Villavecchia Child Oncology Foundation. The Enriqueta Villavecchia Foundation, set up in Barcelona in 1989, is a non-profit charitable care Foundation, whose goal is to meet the needs of children and young people receiving oncological treatment and those of their families.On May 29 the Foundation held a solidarity dinner at the Modernista del Hospital de Sant Pau in order to fund its projects and where TECNOTRAMIT participated as a collaborating company of the Foundation.There were more than 300 people at the event, which was presented by the journalist Ana Boadas and featured a performance by the musician Joan Dausà. The evening raised €18.500 for children and young people with cancer and other serious illnesses and for their families.The event was attended by some of the leading CEOs of TECNOTRAMIT, who were able to see at first hand all the activities carried out by a Foundation with whom they have been working for years. [...]