The subject of this diploma thesis is the characteristic of banks and its role in the economy of the Czech Republic, the introduction of core bank activities and products as well as analysis of significant bank products, such as building savings. The first part presents the functioning of bank system, the central bank and commercial banks. The second part deals with the principles of building savings, development and evaluation of the most important changes in building savings in the Czech Republic. In this thesis is also comparison of the building saving in Germany, Austria and the Slovak Republic, and there is outlined potential future development of building savings in the Czech Republic. The conclusion summarizes the most important findings about the role of banks with special focus on the analysis of building savings.

This paper provides an analysis on Financial Inclusion and a set of indicators to understand how adults in Guatemala manage their finances. The data shows that only 22 percent of the adult population has an account at a legitimate financial institution. In addition, 25 percent of adults report having saving habits but only 10 percent do it at a legitimate financial institution. Physical distance is a key factor in achieving Financial Inclusion in the country as the most common barrier for the use of financial products is the lack of financial service branches in many regions, especially in the northern part of the country. The purpose of this research was to find a method that could be implemented in Guatemala in order to introduce underserved people into the legitimate financial system. Special analysis was made on the Correspondent Banking model and it was found to be one of the most successful methods employed to improve access and usage of financial services in many countries. This branchless banking strategy can play a significant role in ensuring universal access to financial services, and be a cost-effective strategy for financial institutions to increase their customer base. Guatemala can use this current opportunity to guide its economic strategy towards the reduction of poverty, economic improvement and mitigation of some of the worst effects of being financially excluded.

Банковские карты получают все большее распространение и сложно теперь найти человека, который бы никогда ими не пользовался. Для повышения доходности банки стараются выдать дебетовую карту с множеством преимуществ для клиента, но необходимо учесть ряд показателей, которые могут повлиять на активное оформление дебетовых карт. Этим и занимается маркетолог-аналитик, прогнозируя рост клиентов и доходов банка. Для автоматизации работы маркетолога-аналитика используется применение алгоритма машинного обучения на базе линейной регрессии. Входными данными являются количество заявок на оформление дебетовой карты и дата оформления с января 2020-октябрь 2021гг. / This article is devoted to the study of the application of machine learning in the banking sector to predict the need for the development of banking products. An analysis of the prospects for implementation and advantages of the system under development was carried out. Using process modeling methods, the project implementation process and the sprint development process were described.