The importance of the products and services prices can be found in the reference price, that customer must compare it with the price of the last made acquisition. The price of the banking product, that includes the effective annual intrestrate (EAI), is a guide price including all the cost...

Civilizatia financiara a ultimelor doua decenii ne-a pus in fata unei avalanse crescande de servicii financiar-bancare, servicii care au cunoscut pe plan international o crestere si o diversificare permanenta, piata acestora fiind din ce in ce mai dificil de cunoscut, anticipat si controlat. In...

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....

During the extensive development, marketing entered all the economic fields and then expanded outside the economic area. In present, the main purpose is the orientation to the market, with several specific characteristics. Thanks to the action of several factors (high quality, liable products,...

In order for the companies to be successful in the market, they have to permanently focus their efforts towards better understanding and continuous meeting both current and potential needs and expectations of all their customers. Additionally, the organizations should identify the proper methods...