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L'evoluzione del ruolo di Poste Italiane nel sistema finanziario italiano

  • Chiara Oldani

    (Luiss Guido Carli)

Il sistema bancario e finanziario italiano utilizza l’innovazione per modificare la propria struttura e per cogliere nuove occasioni di profittabilità e di miglioramento della performance. Le banche italiane, sottoposte ad una crescente pressione concorrenziale a causa delle mutate condizioni di mercato domestico ed europeo, hanno risposto alla sfida dell’ICT (Information and Communication Technology) utilizzando l’innovazione sia per il back office (per la riduzione dei costi operativi e l’aumento dell’efficienza), sia per l’introduzione di nuovi strumenti finanziari e servizi alla clientela. L’informatizzazione ha reso possibile l’affacciarsi di Poste Italiane nel mercato della raccolta dei depositi italiani, modificando il panorama dell’offerta e inducendo maggiore concorrenza, e di implementare le attività caratteristiche d’impresa, come la corrispondenza e il sistema dei pagamenti della Pubblica Amministrazione (P.A.).

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Paper provided by EconWPA in its series Macroeconomics with number 0504005.

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Date of creation: 01 Apr 2005
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Handle: RePEc:wpa:wuwpma:0504005
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