The Monetary Transfers in Banking Practice (II) (Other Services Offered by Banks as Means and Instruments of Payment)

The banking products and services reveal their great diversity. Some of the services are not yet launched on the financial and banking Romanian market, but others are already present in the offer of the banks, not presenting though an increased interest for clients. The financial/ banking activity represents the most sensitive component of every economy. In contrast with other services which boost the economy, “in the banking domain, the product is distinctly particularized, the firm meeting its client with banking products and services, on one hand, but also with a delivery system described by the activities developed at the place of contact”. The reasons why these services are not offered by the Romanian commercial banks are: critical infrastructure, the lack of funds necessary to set up some performing systems of computers, critical introduction of cards etc. On the other hand, the very mentality of the society represents an obstacle, the difficulty in accepting new things and facts, namely banking products and services – a proof would be here the queues in front of the pay desks; in fact these people are holders of current or economy.