Особливості формування банківського продукту в розрізі маркетингових інновацій

Abstract

The article examines modern conceptual approaches to the features of the banking product in order to increase the competitiveness of modern commercial banks. New scientific approaches to bank management, as well as assessing the innovation of the banking product are considered. The factors of the growth of qualities and competitiveness of banking services are analyzed. It is also determined that if the Bank adheres to the concept of intensification of commercial efforts, then the main attention is paid to the implementation of measures to stimulate the sales of its product (that is, the provision of various services). The quality of banking products is difficult to evaluate, since the criteria used for such an analysis are difficult to assess. Among the criteria of quality of banking products distinguish speed and accuracy of service, unique product advantages, availability of additional services, etc. The banking service characterizes the level of competitiveness of the work of a commercial bank based on the determination of the peculiarities of pricing and the stages of sale of a banking product in the financial market.