Organizational Change in Retail Banking and Changing Spatial Patterns of Branch Banking

Bu makalede, perakende bankacılılığın dışsal örgütlenme biçiminin teknolojik değişimi ve şube bankacılığının değişen mekansal kalıplan üzerinde durulmaktadır. Bu teknolojik ve mekansal değişim, en belirgin şekilde, yeni ilişki yönelimli bankacılıkta gözlemlenebilir. Perakende bankaların değişen şube ağı stratejileri, içsel kurumsal (örgütsel değişim) ve dışsal (finansal çevre ve iklim) gelişmelerin bir sonucu olarak görülebilir. Perakende bankacılığın mekansal örgütlenmesindeki değişim, belli ülkelerde finansal dışlama ve merkezileşmeye neden olmaktadır.

In this paper, attention is focused on technological change in the external organization of retail banking and changing spatial patterns of branch banking. This technological and spatial change is best illustrated through the emergence of new relationship oriented banking. Changing branch network strategies of retail banks can be seen an outcome of both internal institutional (organizational change) and external (financial environment and climate) developments. A change in the spatial organization of retail banking results in financial exclusion and centralization in the specific countries.

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