Innowacje w polskim sektorze usług bankowych

The innovations are the main force of developing the economy. There are many definitions about innovations. However all of them have the same, two attributes: the newness and application for positive results. The innovations in banking system refers to changes in: structure of the sector and institutions, channels of distribution, technologies, products and services. As Polish banking sector is still developing, there are many changes observed, concerning above mentioned elements. Considering the innovations in Polish banks you must remember that most of them have only country scope. Polish banks have been acting in the market economy just for eleven years, so it is impossible to reach the same level as most of western banks have.