Bulgarlar, Avrupa\u2019n\u0131n en fakir halk\u0131 olmalar\u0131na ra\u011fmen, ki\u015fi ba\u015f\u0131na d\u00fc\u015fen banka \u015fubelari bak\u0131m\u0131ndan k\u0131tada ilk s\u0131rada bulunuyorlar. \u00dclkemizde 100 bin ki\u015fiye 62 banka \u015fubesi d\u00fc\u015f\u00fcyor. Bir k\u0131yaslama yapal\u0131m: Norve\u00e7\u2019te bu say\u0131ya sadece 10, Almanya\u2019da ise 100 bin ki\u015fiye 14 banka \u015fubesi d\u00fc\u015f\u00fcyor. \u0130talya d\u0131\u015f\u0131nda, Avrupa kentlerinin hi\u00e7bir yerinde merkez sokaklar\u0131ndan ba\u015fka en m\u00fctevazi kenar mahallelerinde bile bu kadar \u00e7ok l\u00fcks banka ofislerine rastlanamaz. Bulgarlar\u0131n \u00e7ok m\u00fctevazi mali olanaklar\u0131na ayk\u0131r\u0131 d\u00fc\u015fen bu b\u00fcy\u00fck banka varl\u0131\u011f\u0131 akla uygun d\u00fc\u015fen ekonomik nedenlerle izah edilemez, daha ziyade prestij ve refah g\u00f6sterisidir, ki bu s\u0131k s\u0131k iyi zevk ve \u00f6l\u00e7\u00fcl\u00fc davran\u0131\u015f ile ki\u00e7 aras\u0131ndaki haddi ge\u00e7iyor.Oysa, d\u00fcnya kapsam\u0131nda \u0130nternet ve bankomatlar arac\u0131l\u0131\u011f\u0131yla b\u00fct\u00fcn banka transaksiyonlar\u0131n\u0131n ger\u00e7ekle\u015ftirilmesi e\u011filimi \u00e7ok yayg\u0131nd\u0131r.<\/p>\n
Banka \u015fubelerinin b\u00fcy\u00fck say\u0131s\u0131na ra\u011fmen, \u00e7o\u011fu, mali hizmetlerinden yararlanmak i\u00e7in \u015fubeye \u015fahsen gelen m\u00fc\u015fterilerin yoklu\u011fundan \u015fikayet\u00e7i de\u011fildir. Fakir olmalar\u0131na ra\u011fmen Bulgarlar\u0131n 30 milyar Avro kadar banka mevduatlar\u0131 var. M\u00fc\u015fterilerin banka \u015fubelerine ak\u0131m\u0131, \u00f6te taraftan, modern bireysel \u0130nternet bankac\u0131l\u0131\u011f\u0131n\u0131n Bulgarlar\u0131n g\u00fcnl\u00fck ya\u015fant\u0131s\u0131na y\u0131\u011f\u0131nsal bir bi\u00e7imde hala girmi\u015f olmad\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Oysa yurtta\u015flar\u0131n % 40\u2019tan fazlas\u0131, \u0130nternet a\u011f\u0131ndan d\u00fczenli bi\u00e7imde yararland\u0131klar\u0131n\u0131 ileri s\u00fcr\u00fcyorlar.Ayn\u0131 zamanda Bulgarlar\u0131n sadece % 2\u2019si \u00e7evrimi\u00e7i bankac\u0131l\u0131k hizmetlerinden yararlan\u0131yor. \u015eunu da itiraf etmek laz\u0131m: bankalar, gelece\u011fin \u0130nternet bankacl\u0131\u011f\u0131na ait oldu\u011funun bilincinde olduklar\u0131 i\u00e7in baz\u0131lar\u0131 m\u00fc\u015fterilerine \u00fccretsiz \u00e7evrimi\u00e7i hizmetler de \u00f6neriyorlar.Elektronik bankac\u0131l\u0131k hizmetlerinin ka\u00e7\u0131n\u0131lmaz patlamas\u0131n\u0131n elveri\u015fli bir ko\u015fulu, her yeti\u015fkin yurtta\u015f\u0131n en az\u0131ndan iki\u015fer banka kart\u0131na sahip olmas\u0131 ve geleneksel al\u0131\u015fveri\u015f yerine elektronik bi\u00e7iminin yerle\u015fmesidir.<\/p>\n
\u0130nternet bankac\u0131l\u0131\u011f\u0131n\u0131n yayg\u0131nl\u0131k kazanmas\u0131n\u0131n ilk belirtileri art\u0131k ortadad\u0131r. \u00dclkemizdeki bankalar\u0131n \u00e7o\u011fu bu y\u0131l \u015fubelerinin bir k\u0131sm\u0131n\u0131 kapatarak sokak ve ticaret merkezlerindeki varl\u0131\u011f\u0131na son vermeye ba\u015fl\u0131yorlar. Banka y\u00f6netimleri ku\u015fkusuz d\u00fcnya uzmanlar\u0131n\u0131n \u00f6n\u00fcm\u00fczdeki 20 y\u0131lda banka \u015fubelerinin tamamiyle ortadan kalkarak yerlerini elektronik bankacl\u0131\u011f\u0131n alaca\u011f\u0131 g\u00f6r\u00fc\u015f\u00fcn\u00fcn bilincindedir.<\/p>\n