Development of e-bankingu in Poland
When examining the Polish market of banking services can reach the conclusion that few banks offer attractive set of products and comprehensive access to the account through the main channels. Banks serve their customers with a variety of services, of which it is difficult to determine which one is best. In the case where one offers an attractive interest rate, the second tempt their customers with low maintenance costs. And creates another key access through electronic channels. To make the right choice should be carefully examined all the offers from leading banks. Assessment should be subjected to these criteria, which are of paramount importance for him.
E-Banking in Poland a few years ago was costly for the benefit of customers in the banking sector. Financial institutions are focused on creating its modern image, rather than on improving relations: bank-customer. Rigid system of electronic banking, in particular, the Internet was not focused on the needs of institutional and individual customers. The rigidity of action was the reason that e-banking passed with the actual goal. The situation has diametralnemu transform the market in November 2000 at the initiative of BRE Bank appeared mBank, the first virtual bank. It became Pionieri this type of projects. It is the initiator of an effective model of internet banking and, therefore, has refocused interest in a large part of the market.
mBank was the innovator of modern concept of the bank, whose activities focused on the needs of customers. High interest rates and low cost Internet service represent a significant argument in the decision of potential customers. mBank bul precursor of a new strategy. On the react do not have to wait long. Imitation effect was quickly apparent. Tor the first Internet bank podążyły others.
E-bankinu effects are especially visible at the site. Currently, the virtual accounts uses almost 600 thousand Poles. Dynamically growing sector of banking services is a prelude to potential success of financial institutions. But before this happens activation becomes necessary action focuses on:
* Consolidation of customer data,
* Customs compositions offering products and services,
* Lowering the costs of operating the electronic banking,
* Providing a high security of electronic transactions,
* Nurturing contacts with potential and existing customers through available means of communication (telephone,
* E-mail, chat-room, mailing list, SMS)
* Udowaniu and nurturing the electronic customer confidence.