摘要：Globalization which characterizes world economic processes at the start of the twenty first century affects banking deeply with political, economic, technological and demographic changes. Today banks in industrially developed countries and countries in transition develop new products and services through fairly easy transfer of funds. This article shows factors which infl uence current changes in the banking system and a summary of a number of business philosophies which serve as foundation for the modern strategic offers (distribution) of new banking products and services, known as self-serve banking, as well as the assessment of the current state and prognosis of future development of the range of self-serve banking in the Republic of Croatia. The findings included in this article, show that services in self-serve banking, offered by the banking sector in the Republic of Croatia, in its range does not lag behind those offered by banking sectors of industrially developed countries. Finally, this article compares those banks in the Republic of Croatia which offer the widest range of products and services of self-serve banking with those which still have no such offers or offer only some self-serve banking products.
关键词：globalization; self-serve banking; development of new products and services; distribution channels; consolidation; business philosophy; distribution strategy; Republic of Croatia
