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The Banking Products and Services: the Globalisation Challenges


  • AVRAM Costin Daniel
  • AVRAM Veronel
  • AVRAM Marioara

    () (University of Craiova, Romania
    University of Craiova, Romania
    University of Craiova, Romania)


The changes occurred in the banking marketing in our country have their origin, firstly, in the changes of the organisational culture which has evolved in the last ten years from the bureaucratic behaviour, categorised excessively, to a specific behaviour for the market economy, based on the knowledge of the clients, on the competition and on the promotion of the mentality of a winner. The organisational culture can be changed in time, as long as the employees are aware of the objectives followed, as long as they are selected and promoted in conformity with these objectives and as long as the feeling of belonging to the organisation has formed which depends essentially on the satisfaction that the employee feels towards the activity he/she enrols. Due to the stimulation of the own personnel, the banks, through superior wages as for the best paid sectors of the national economy, have managed to attract the interest of the existing professionals, as well as of the young specialists willing to dedicate to a banking carrier. The training programs organised through the means of the Romanian Banking Institute or through distinct programs organised by the baking companies in our country have contributed to the motivation of the personnel, as well as to the consolidation of the new organisational culture.

Suggested Citation

  • AVRAM Costin Daniel & AVRAM Veronel & AVRAM Marioara, 2010. "The Banking Products and Services: the Globalisation Challenges," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 217-222, May.
  • Handle: RePEc:ovi:oviste:v:10:y:2010:i:1:p:217-222

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    globalisation; banking products; banking services;

    JEL classification:

    • F36 - International Economics - - International Finance - - - Financial Aspects of Economic Integration


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