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The Bulgarian Banks' competitiveness: the case of Remote banking


  • Bojidar Bojinov


The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the banks have started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking becomes one of the main channels for bank services distribution. This paper presents results from a research, which aims to describe actual picture of remote banking products and services offered by Bulgarian banks. They are estimated in accordance with the criteria as: web site availability; information for bank products and services available via Internet; online application forms; online banking application; other online/remote services. In spite of the small number of Bulgarian banks, which offer their products and services via Internet, the research shows that Bulgarian banks as a whole are presented in Internet, as well as indicates that banks estimate the potential and competitive advantages of the new medium.

Suggested Citation

  • Bojidar Bojinov, 2003. "The Bulgarian Banks' competitiveness: the case of Remote banking," Finance 0310012, University Library of Munich, Germany.
  • Handle: RePEc:wpa:wuwpfi:0310012
    Note: Type of Document - PDF; prepared on Win2K; pages: 8

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    References listed on IDEAS

    1. Bojidar Bojinov, 2003. "What Bulgarian Banks offer via Internet: an Overview (v2)," Finance 0310014, University Library of Munich, Germany.
    2. Robert DeYoung, 2001. "The Internet's place in the banking industry," Chicago Fed Letter, Federal Reserve Bank of Chicago, issue Mar.
    3. Bojidar Bojinov, 2003. "Evolution and Present Status of Bulgarian Card Market," Finance 0310010, University Library of Munich, Germany.
    4. John Wenninger, 2000. "The emerging role of banks in e-commerce," Current Issues in Economics and Finance, Federal Reserve Bank of New York, vol. 6(Mar).
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    More about this item


    Banks; Internet; Online services; Remote banking; E-commerce; Bulgaria;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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