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Marketing Optimization in Retail Banking
Interfaces, 2011In this paper, we address the problem of making optimal product offers to customers of a retail bank by using techniques including Markov chains, genetic algorithms, mathematical programming, and design of experiments. Our challenges were large problem size, uncertainty about estimates of customer responses to product offers, and practical issues in ...
Ramasubramanian Sundararajan +7 more
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On the Importance of Retail Banking Relationships
SSRN Electronic Journal, 2007While the importance of bank-firm relationships is well documented in the banking literature, there is relatively little research on the importance of retail banking relationships. In this paper we collect proprietary data from multiple sources to analyze the importance of retail banking relationships in an experimental setting where commercial banks ...
Manju Puri, Jörg Rocholl
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International Journal of Service Industry Management, 1994
Quality is increasingly being seen as a key strategic differentiator within the financial services sector in the UK, with most major players undertaking some form of quality initiative. Describes work undertaken within TSB Bank plc to determine both retail customer and staff perceptions of those factors which determine service quality.
R.F. Blanchard, R.L. Galloway
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Quality is increasingly being seen as a key strategic differentiator within the financial services sector in the UK, with most major players undertaking some form of quality initiative. Describes work undertaken within TSB Bank plc to determine both retail customer and staff perceptions of those factors which determine service quality.
R.F. Blanchard, R.L. Galloway
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International Journal of Bank Marketing, 1985
The philosophy behind banks' current High Street profiles is based on four main guidelines: the need for cash movement; security of staff/money from robberies; indication of stability/substance; and wide facility for in‐/out‐payments. This has led to a perception of bank branches as cold, unfriendly places, discouraging customer visits.
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The philosophy behind banks' current High Street profiles is based on four main guidelines: the need for cash movement; security of staff/money from robberies; indication of stability/substance; and wide facility for in‐/out‐payments. This has led to a perception of bank branches as cold, unfriendly places, discouraging customer visits.
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International Journal of Bank Marketing, 1989
As the retail banking market becomes more price competitive in terms of the products and services offered and as the introduction of new technologically based products breaks down the traditional homogeneity of bank products, so banks must necessarily move towards a position where they either adopt largely explicit and rational pricing policies, or ...
J. Barry Howcroft, John C. Lavis
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As the retail banking market becomes more price competitive in terms of the products and services offered and as the introduction of new technologically based products breaks down the traditional homogeneity of bank products, so banks must necessarily move towards a position where they either adopt largely explicit and rational pricing policies, or ...
J. Barry Howcroft, John C. Lavis
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Retail Banking for Households in Italy
2012As we have seen in the previous chapters, the Italian banking system consists of banks that operate as commercial banks with a strong orientation towards retail banking. This chapter focuses on the role of the household sector and the retail banking services provided to this market.
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Geographical and Cultural Proximity in Retail Banking
2023Ce document mesure l’incidence de la proximité géographique et culturelle des succursales bancaires sur les choix des ménages en matière de crédit et sur les prix qui leur sont offerts. Nous étudions les deux types de proximité simultanément pour cerner séparément l’importance des informations difficilement quantifiables par rapport à d’autres ...
Carbó Valverde, Santiago +2 more
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International Journal of Bank Marketing, 1986
The image that a bank has in the consumer's mind is the most important type of branding that it can offer and should be the central component within any marketing strategy. Consumer attitudes have been modified by two principal factors — the wider range of services offered means that banks are in the public eye more often, and have changed perceptions ...
J. Barry Howcroft, John Lavis
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The image that a bank has in the consumer's mind is the most important type of branding that it can offer and should be the central component within any marketing strategy. Consumer attitudes have been modified by two principal factors — the wider range of services offered means that banks are in the public eye more often, and have changed perceptions ...
J. Barry Howcroft, John Lavis
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Innovation in Retail Banking [PDF]
, 2000 How does a retail bank innovate? Traditional innovation literature would suggest that organizations innovate by getting new and/or improved products to market. However, in a service, the product is the process. Thus, innovation in banking lies more in process and organizational changes than in new product development in a traditional sense.
Frances X. Frei +2 more
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Introduction: From Banking to Retail Banking
2015The term ‘bank’ can be applied to a wide range of financial institutions. The objective of this chapter is to provide a brief overview of banking and the role played by banks in an increasingly complex financial world. It begins with a review of the meanings of banking and bank so as to come to a definition of the term ‘retail bank.’
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