An intelligent perspective of any modern business passes from the simple reasoning cause-effect to a multi-stratified interpretation based mainly on a binary logic. The modern managers’ comprehensive capacity surpasses mechanical patterns or those made by the computers. The reason is the new...

Nowadays, the unprecedented development of the information and communication technologies generates profound and irreversible changes of the entire society. Because of its specific characteristic features, the banking services’ field is one of the most dynamic sectors in the economy....