عوامل موفقیت در سیستم بانکی
Abstract
1-Introduction
2-Research results and success factors of Romanian banks
3-Conclusions and future research
Acknowledgements
References
Abstract
Banking competition has intensified in recent years, largely due to globalization, technological process and economic instability. The banking system in this context is supplied with considerable challenges, with customers’ characteristics, needs and desires consistent with the current environment (globalization, technological change and economic crisis). It is necessary to identify those features that contribute to the development of competitive advantage. In this sense, this paper shows the results of the analysis of success factors in the banking system. To obtain the results the following methods were used: in-depth questionnaire (for experts), questionnaire (for customers), observation of public information and experimentation by numerous visits conducted. These actions are taken in order to discover and define the characteristics of organizational behavior and clients. The results consist of capitalization and conceptualizing a framework for the features that will underpin the development strategies of the banking system in times of economic instability.
Introduction
The lately unstable economic situation contribute to the adoption of measures and actions in organizations through which themselves to stay in the market and thus to develop competitive advantage. This approach of adopting new measures can be found in organizations in all fields, implicit in banking organizations. In this respect, given the situation in recent years, the banking system is facing two challenges: reducing costs, and enhancing major changes in the field of digitization. In this context, the present study aims to identify success factors that define organizational characteristics and customer behavior. Establishing a framework of characteristics answers the question: “How can the banking system be streamlined in an intelligent and effective way?”. The design of a framework with characteristics contributes to an assembly of actions that help define the development of strategies to keep the banking system in the current economic market.The purpose of this paper is to examine success factors (SF), which are relevant in the banking sector. In an industry as complicated as a financial intermediary, a simple formula is to define a set of general actions for the economic crisis. Instead assumption of factors found in the literature, the paper identifies the main factors determining the success of a bank. The methods used to identify success factors are: in-depth questionnaire, questionnaire, observation of public information and experimentation by direct business contact. Today’s industry from the banking system is characterized by increased global competition and rapid progress in the liberalization of the banking market.