Challenges, trends and changes in the economic environment of banking in relation with information technologies

The approach to the problem of information efficiency on financial markets is based on the assumption that the market cannot be in a balanced state, as long as there is a different understanding (asymmetry) of information about the external environment. The lack of fair and complete information becomes an impediment for the adoption of adequate and optimal solutions by the subjects. Information efficiency can only be seen as a limit to be aspired to, as real financial markets have a remaining amount of imperfect information, which influences the efficiency of the solutions adopted. For example, in the credit market, the existence of an unequal distribution of information between creditors and debtors can lead to the effect of rationalizing the loan, ie to limiting the bank's supply with the existence of demand for it