Challenges in the Era of Globalization - iaabd

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Proceedings of the 12th Annual Conference © 2011 IAABD relations are not good”. The relationship between the consumers and the bank must be cordial. According to a respondent, “… if you are not happy it will be difficult to interact with them”. Banks must remove any process that will end up annoying their clientele especially the undergraduate students. Deceit: A feeling of betrayal, fraudulence, falsity etc is deceit. The respondents posit they would not be caught in the web of sham and would do anything to shun such services. The communication gap must be narrow enough to what was promised to what is actually delivered. Some considered marketers as people trained to deceive and therefore would pass up any marketing communications. Some responses: … marketing people are very bad people so marketing strategies are just to sway you for banking I won´t go there”; “I don’t look at think advertisement stands for competence, you can have a nice advert and not be competent or their services not up to standard”; “…some are just camouflages, they don’t really do what they say, they just want customers and if they start it’s not for long, so I won’t consider it”. As far as possible the banks must demonstrate integrity and promise only what they can deliver. Conclusion The aim of this paper is to investigate bank selection criteria among undergraduate students and to explore how consistent the findings of this current study compare with extant studies. The results show consistency with previous works in Ghana and elsewhere; Hinson et al. (2009), Blankson et al. (2007), Owusu-Frimpong (1999) and so forth. The convenience dominating is asserting the ease with which consumers want to access their services and also to save them enough time. “Time is the only commodity worth anything anymore. Consumers sacrifice money in order to save time. The convenience factor also explains the themes of being happy after a bank service. We can conclude that a bank that provides a convenient service (convenience in whatever form) that meets the needs of the consumers will have an edge over other competitors’ that provides otherwise. References Anderson, W.T., Fox, E.P. and Fulcher, D.G. (1976), “Bank Selection Decision and Market Segmentation”, Journal of Marketing, Vol. 40 Pp. 40 – 45. Blankson, C., Ming-Sung Chang, J. and Spears, N. (2007), “Determinants of banks selection in USA, Taiwan and Ghana”, International Journal of Bank Marketing, Vol. 25, No. 7, Pp. 469 – 489. Bodet, G. and Chanavat, N. (2009), “Building global football brand Equity – Lessons from the Chinese market”, Asia Pacific Journal of Marketing and Logistics Vol. 22 No. 1, 2010 pp. 55-66 Gerrard, P., Cunningham, J. B. (2001), “Singapore’s undergraduates: how they choose which bank to patronize”. International Journal of Bank Marketing, Vol. 19 No. 3, pp. 104-114. Grady, B., Spencer, H. (1990), Managing Commercial Banks, Prentice-Hall, Englewood Cliffs, NJ. Gray, A.D. (1977), “Student attitudes towards banking”, unpublished B.Sc dissertation, University of Strathclyde. Hinson, R. and Hammond, B. (2006), “Service Delivery in Ghana’s Banking Sector” in African Marketing Practice: Cases from Ghana; pp 43-63; Hinson R. (ed), Sedco Publishing Limited, Ghana. Hinson, R., Owusu-Frimpong, N. and Dasah, J. (2009), “Key motivations for bank patronage in Ghana”, International Journal of Bank Marketing, Vol. 27, No. 5, Pp. 381 – 399. Hun Phuong Ta, Kar Yin Har (2000), “A study of bank slection decisions in Singapore using the Analytical Hierarchy Process”, International Journal of Bank Marketing, Vol. 18, No. 4 pp. 170 – 180. Lee, J. and Marlowe, J. (2003), “How consumers choose a financial institution: decision-making criteria and heuristics”, International Journal of Bank Marketing, Vol. 21 No. 2, pp. 53-71. Lewis B.R, (1991), “Service Quality: An International Companion of bank Customers’ Expectations and Reception”, Journal of Marketing Management, Vol. 7, pp.47-62. 562
Challenges in the Era of Globalization Edited by Emmanuel Obuah Lewis, B.R. (1982), “Student accounts – a profitable segment?”, European Journal of Marketing, Vol. 16 No. 3, pp. 63-72. Ma, K.Y., Ng, B.K. and Teo, C.S. (1996), "Bank selection criteria and the practice of multiple banking among degree holders in Singapore", Nanyang Technological University, Singapore, unpublished BBus dissertation. Mokhlis, S. (2009),”Determinants of choice criteria in Malaysia’s retail baking: Analysis of Undergraduate Students in Malaysia”, European Journal of Economics, Finance and Administrative Sciences- Issue 16. Omar, O.E. (2007), “Gender – based retail bank choice decision in Nigeria”, Journal of Retail Marketing Management Research, Vol.1 No.1, pp 20-21. Owusu-Frimpong, N. (1999), “Patronage behavior of Ghanaian bank customers”, International Journal of Bank Marketing, Vol. 17 No. 7, pp. 335-341. Pass, M.W. (2006), “Western US college students: Banking preferences and marketplace performance”, Journal of Financial Services Marketing, Vol.11, pp.49-63. Schram, J. (1991),”How students choose their banks”, US Banker, Vol. 110, pp75-78. Ta, H. P., Har K. H. (2000), “A study of bank selection decisions in Singapore using the Analytical Hierarchy Process”, The International Journal of Bank Marketing, Vol. 18, No. 4 pp. 170 – 80. Tan, C.T., Chua, C. (1986), “Intentions, attitude and social influence in bank selection: a study in an oriental culture”, International Journal of Bank Marketing, Vol.4 No. 3, pp. 43-53. Thwaites, D. and Vere, L. (1995), “Bank selection criteria – a student perspective”, Journal of Marketing Management, No. 11, pp. 133-49. Yin, R.K. (2003), Case study research: Design and Methods, 3 rd ed. Sage Publications, Thousand Oaks, CA. Zineldin, M. (1996), “Bank strategic positioning and some determinants of bank selection”, International Journal of Bank Marketing, Vol. 14 No. 6, pp. 12-22. 563
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Table of Contents Challenges in the
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Lennart Bangens, Goteborg, Sweden C
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Local Steering Committee Jacob Musi
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Track 1: Accounting, Finance, and I
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Abstract Challenges in the Era of G
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Abstract Determinants of Bank Lendi
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Empirical Results Challenges in the
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Table 3 Determinants of Competitive
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Research Findings Challenges in the
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Abstract: Study on Africa Governmen
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Abstract Challenges of Oil Revenue
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Abstract Land Based Sources of Poll
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Abstract On the Mitigation of Rever
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Assessment of pollutants in nigeria
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Figure 1: Lagos off shore survey po
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Academic Pry School 3 3 0 Backgroun
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Track 5: Management Education Chall
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Table: Model Fitness Regression Sta
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Conclusion Challenges in the Era of
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37. Provision of sound education fo
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The cost structure Challenges in th
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Empirical Analysis Challenges in th
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Variable Coefficient Std. Error t-S
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Abstract The Changing Requirements
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The Model, Data and Variable Defini
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Empirical results Challenges in the
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Abstract Gender, poverty and sustai
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Figure 1.1: Spread of directorships
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Theoretical Framework Challenges in
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Single 18.1 Masters and above 35.3
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Source: Field survey, 2010 Table 3:
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Conceptual Definitions Challenges i
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Conclusions and Implications Challe
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Abstract Exploring Organisational R
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district hospitals: Evidence from N
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Table 1: A Summary of Operating Ban
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Discussion and Conclusion Challenge
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Abstract What does Globalization me
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Research Methods approach Challenge
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Figure 5: Causal loop diagram inclu
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The study seeks to: • examine typ
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Figure 2: Customer Perception of MT
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Relationship Commitment Total 1264.
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Figure 1: Components of Data Analys
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Abstract Marketing Nigerian medicin
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References Challenges in the Era of
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firms attained below average market
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Conclusion Dissatisfied 6 3.4 3.6 7
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Abstract Customer satisfaction with
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Methodology Challenges in the Era o
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Discussion Challenges in the Era of
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Postgraduate 19 Internet experience
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Figure1.1Inflation and Indexation R
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Football Spectatorship Challenges i
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