Banking systems

Bankarski sustav sastoji se od središnje banke, poslovnih banaka, štednih i drugih financijskih institucija. Glavni su poslovi bankarskog sustava držanje depozita i izdavanje kredita. Tradicionalno bankarsko poslovanje, koje je trajalo sve do prije 60-ak godina, doživjelo je naglu promjenu pod utjecajem brojnih faktora. Osim povećane konkurencije, neki od najvažnijih faktora su informatička revolucija i globalizacija. Moderno bankarstvo je potpuno promijenilo strategiju poslovanja - od uslužnog prelazi u samoposlužno bankarstvo. Nestaju prostorne granice i vremenski rokovi. Uvode se nove tehnologije i tehnike, novi proizvodi i usluge kojima banke prate zahtjeve klijenata koji su sve više financijski obrazovani. Glavni je cilj i svrha ovoga rada objasniti u kojoj mjeri integriranje novih informatičkih tehnologija utječe na kreiranje i korištenje proizvoda i usluga u bankarstvu.The banking system consists of a central bank, commercial banks, savings and other financial institutions. The main tasks of the banking system are to hold deposits and to issue loans. The traditional banking activity, which lasted until 60 years ago, has undergone a sudden change under the influence of many factors. In addition to increased competition, some of the most important factors are the informatic revolution and globalization. Modern banking has completely changed its business strategy, from being service banking it changed into self-service banking. Spatial boundaries and deadlines are disappearing. New technologies and techniques are being introduced and new products and services by which banks are meeting requirements of the customers who are increasingly financially educated. The main aim and purpose of this thesis are to explain to what extent the integration of new information technology affects the creation and use of banking products and services