"Scientific research" Almanac

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  ON-LINE BANKING IN BULGARIA – STATE AND TRENDS

  Banking on an international scale is a continuous process of evolution and improvement. The advent of new information technology in banking institutions affects their activities, both to reduce the costs for collecting, storing, processing and transfering information about transactions and to impose alternative means of access to banking services, ... Banking on an international scale is a continuous process of evolution and improvement. The advent of new information technology in banking institutions affects their activities, both to reduce the costs for collecting, storing, processing and transfering information about transactions and to impose alternative means of access to banking services, one of which is e-banking. The ever-increasing percentage of consumers using electronic banking services confirms the enormous potential of digital technology in the banking sector. This study presents the results of a survey on electronic banking services in Bulgaria as of June 2011.

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  STUDY OF THE STATE-OF-THE-ART, POSSIBILITIES AND PROSPECTS OF IMPLEMENTING ELECTRONIC CUSTOMER RELATIONSHIP MANAGEMENT SYSTEMS

  Customer relationship management in financial enterprises is a key strategic factor for their success. In recent years this sector recognizes the importance of the Internet as a unified platform for doing business and as a main communication environment. Online banking, online insurance, personal customer service of various health, pension and ... Customer relationship management in financial enterprises is a key strategic factor for their success. In recent years this sector recognizes the importance of the Internet as a unified platform for doing business and as a main communication environment. Online banking, online insurance, personal customer service of various health, pension and insurance funds is impossible without a fully integrated electronic customer relationship management system (e-CRM System). The study aims to outline the results of a survey in 24 Bulgarian financial institutions with regard to: proliferation of e-CRM systems, architectural and functional features, and non-economic effects and benefits of their implementation, return on investment. Models were proposed for improving the system and customer-oriented business process.

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  RESEARCH AND ANALYSIS OF THE USE OF INTERNET TECHNOLOGIES IN THE BUSINESS OF SMALL AND MEDIUM ENTERPRISES IN BULGARIA AND THE EUROPEAN UNION

  The study aims to find out the state and problems associated with the use of Internet technologies in Bulgarian small and medium enterprises, to reveal the reasons for the backwardness of our SMEs compared to those in the EU and to develop methodological materials and recommendations for more efficient use of modern ICT in Bulgarian small and ... The study aims to find out the state and problems associated with the use of Internet technologies in Bulgarian small and medium enterprises, to reveal the reasons for the backwardness of our SMEs compared to those in the EU and to develop methodological materials and recommendations for more efficient use of modern ICT in Bulgarian small and medium businesses. To fulfil the stated objective 56 small and medium enterprises were surveyed and the results for the application of Internet technologies in business were processed. The main issues are highlighted and options to solve them in our reality are proposed. The most important scientific contributions of the study can be presented as follows: an in-depth analysis of the results of the survey is made and concrete solutions are proposed to overcome the backwardness of Bulgarian SMEs; a methodology is developed to study the state of using Internet technologies in Bulgarian small and medium business; concrete methodological materials are provided for the needs of SMEs to use the Internet more successfully in business; the state and problems in the use of Internet technologies in SMEs in the EU are analyzed thoroughly; options are offered for systematic training of SME owners and managers, incl. e-learning in the field of Internet technologies.