Contractual Relations at the Consumer Level – a Bank on the Example of 5 Banks Operating in Poland

Abstract

The dynamic development of the banking sector observed in recent years determines the method of building relationships with bank stakeholders. The most important interest groups are customers, purchasers of banking products and services whose relations with the bank may constitute an important element of competitive advantage. It should be noted that in comparison with banks, their rights and obligations, although precisely defined by numerous legal acts, indicate a significant dissonance between the position of a single customer and a bank as a financial institution in a legal relation expressed in the contract.

The aim of the publication is to assess the bank-client relationship from the point of view of the bankʼs choice, the type of banking services and the law.