Současné trendy v distribuci finančních produktů

The thesis deals with current trends in the distribution of financial products in the context of the digitalization of the financial sector. The aim of the thesis is to analyze the development of distribution channels and identify their impacts on customer behavior and the functioning of financial institutions. The theoretical part defines the basic concepts, the structure of the financial market, and the regulatory framework for the distribution of financial products. It further focuses in detail on modern trends such as digitalization, automation, FinTech companies, neobanks, AI, blockchain, and embedded finance, and compares them with traditional distribution models. The analytical part is based on secondary data from European institutions and focuses on banking, insurance, and payment services. The results show a weakening of traditional distribution channels and the growing role of digital forms of distribution. The payment services sector demonstrates the fastest dynamics, while in the insurance sector traditional models still remain significantly represented.