Abstract
Development of rural areas represents a priority for the European Union which has elaborated a series of strategies for sustainable rural development. In this respect, commercial banks can also be involved in the sustenance and development of rural areas, which can transform into new and attractive customer markets for banks (Kirschner, 2005). First step towards conquering these markets is the extension of territorial banking network in rural areas with great and diverse customer potential. In their portfolios of banking products and services, commercial banks can devise banking services specific for customers from rural areas. An important objective for rural areas is the increase of the level of banking culture and civilisation, which is the next step towards financial prosperity. The existence of a modern IT banking system provides a high-quality management of complex banking services and products in rural areas as well as a quick and efficient customer service (Stanciu , 2004).
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