Mažmeninių finansinių paslaugų suvokimo ypatumai ir plėtros veiksniai

Abstract

Service theory and practice in Lithuania and abroad make great play about participators’ relationship in market, quality of services, marketing and management; however financial services are described in general terms. Financial services are analyzed in line with complexion, branch, but there is no analysis of consumers, especially small consumers, who are the main users of financial services. Thus the objective of this article is to identify specific features and factors for development of these retail financial services. Retail financial services are services, which are on offer to physical entities. In offering these services there is important that consumer and finance institution could place confidence in each other, could be in position to keep in touch, communicate, consult, etc. Another oneness is that financial services create assumptions and conditions to acquire another commodities and services. Though there are sights of financial services and finance institutions, retail financial services can be developed in various aspects, for example, these services can be integrated; can be changed complexion, principles of offering. Common economic tendencies, improvement in information technologies can also weight in development of these services.