Integracja instytucji finansowych i nowoczesne techniki w bankowości
Integration of Financial Institutions an New Technologies in Bank Operations
W pierszej części artykułu omówiono możliwości i celowość powstawania grup bankowo-ubezpieczeniowych. W drugiej części przedstawiono nowoczesne technologie w bankowości: bankomaty i "home banking".
The informaton presented in this article show contemporary tendencies in development of the bank sector and generally of the financial area. In authors' opinion, these tendencies, which can be seen in Polish financiala market, too, may bring about rise of the efficiency and stability of whole financial system. Nowadays it is more and more common that banks insure their risk of credits that they give to economical units. This is done mainly by co-operation between banks and assurance companies. It tends to make banks and these companies join their activity, and then, such co-operation may transform these firms into a big financial institutions offering a wide range of services on money market. The modern technologies applied in banks' traditional activities apparently leads to situation, when client does not have to contact bank personally. ATMs and on-line systems allow to perform most of operations and transactions at customer's home or office. However, to use these technologies safely and efficiently, it is required to have a computerised bank departments with well developed telecommunication infrastructure, which in Poland (especially in deep country sides) often does not fulfil modern bank systems requirements. (original abstract)