RETAIL BANKING PRODUCTS IN COMMERCIAL BANKS AND THEIR SPECIFIC FEATURES
DOI:
https://doi.org/10.55640/Keywords:
Retail banking service, banking product, commercial bank, mobile banking, payment cards, financial innovations, banking technologies.Abstract
This article presents a systematic analysis of the differences between retail banking services and retail banking products, focusing on their functional characteristics and practical aspects. In particular, it explores the types of retail banking services, the financial products formed through these services that are tailored to customer needs, as well as effective and targeted strategies for their sale. The study also highlights the role of retail financial services within the banking system, the activities carried out by commercial banks in this area, and the innovative approaches they adopt. Today, commercial banks, as key players in the financial market, offer a wide range of banking products with distinctive functional and technological advantages to meet the diverse needs of their clients.
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