Macro environment – a challenge in the way of the banking services’ globalization

At present companies are continuously growing. The strong competition determines their extension. Extension determines new challenges companies must face. This becomes possible through a permanent adaptation. Adaptation can be realized by knowing the markets that companies are going to carry out their activities on, by knowing the external environmental factors. The factors of the external envirronment are those factors which influence the companies – demographical, sociocultural, political-legislative, economic, technological factors.