NEW BANKING SECTOR SERVICES: DEVELOPMENT OF SELF-SERVE BANKING IN CROATIA

U uvjetima globalizacije, što karakterizira svjetske gospodarske procese na početku dvadeset prvoga stoljeća, bankarstvo je duboko zahvaćeno političkim, gospodarskim, tehnološkim i demografskim promjenama. Danas banke u industrijski razvijenim i tranzicijskim zemljama razvijaju nove proizvode i usluge uz pomoć računalnih mreža, čime su pomaknute vremenske i prostorne granice tradicionalnoga bankarstva i bitno je olakšan transfer novčanih sredstava. U ovome su radu dani prikaz čimbenika koji utječu na aktualne promjene u bankarstvu i prikaz različitih poslovnih fi lozofija na kojima se zasnivaju suvremene strategije ponude (distribucije) novih bankarskih proizvoda i usluga, koji se nazivaju samoposlužnim bankarstvom, i dane su ocjena sadašnjeg stanja i prognoza razvitka ponude samoposlužnoga bankarstva na području Republike Hrvatske. Rezultati istraživanja, navedeni u ovome radu, pokazuju da usluge samoposlužnoga bankarstva koje pruža bankarski sektor u Republici Hrvatskoj po širini asortimana ne zaostaju za onim što pruža bankarski sektor u industrijski razvijenim zemljama. I na kraju, u ovome su radu uspoređene one banke u Republici Hrvatskoj koje nude najširi asortiman proizvoda i usluga samoposlužnoga bankarstva s onima koje to još ne nude ili nude tek samo neke od usluga samoposlužnoga bankarstva.Globalization which characterizes world economic processes at the start of the twenty first century affects banking deeply with political, economic, technological and demographic changes. Today banks in industrially developed countries and countries in transition develop new products and services through fairly easy transfer of funds. This article shows factors which infl uence current changes in the banking system and a summary of a number of business philosophies which serve as foundation for the modern strategic offers (distribution) of new banking products and services, known as self-serve banking, as well as the assessment of the current state and prognosis of future development of the range of self-serve banking in the Republic of Croatia. The findings included in this article, show that services in self-serve banking, offered by the banking sector in the Republic of Croatia, in its range does not lag behind those offered by banking sectors of industrially developed countries. Finally, this article compares those banks in the Republic of Croatia which offer the widest range of products and services of self-serve banking with those which still have no such offers or offer only some self-serve banking products