Challenges in the Era of Globalization - iaabd

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Proceedings of the 12th Annual Conference © 2011 IAABD International Academy of African Business and Development [IAABD], May 2010, University of Lagos Nigeria, pp. 579-587. Huu, P.T. and Kar, Y.H. (2000), “A study of bank selection decisions in Singapore using the analytical hierarchy process”, International Journal of Bank Marketing, Vol. 18 No. 4, pp. 170-80. Jibril, M., Teferra, D. and P. G. Altbach (2003). African higher education: An international reference handbook. Bloomington: Indiana University Press. Joint Admission and Matriculation Board (JAMB) (2009). Unified Tertiary Matriculation Examination Brochure. Abuja: Joint Admission and Matriculation Board Press. Kaynak, E. and Kucukemiroglu, O. (1992), “Bank and product selection: Hong Kong”, International Journal of Bank Marketing, Vol. 10 No. 1, pp. 3-16. Kaynak, E., Kucukemiroglu, O. and Odabasi, Y. (1991), “Commercial bank selection in Turkey” International Journal of Bank Marketing, Vol. 9 No. 4, pp. 30-9. Kazeh, K. and Decker, W. (1993), “How customers choose banks”, Journal of Retail Banking, Vol. XIV No. 4, Winter, pp. 92-3. Laroche, M., Rosenblatt, J.A. and Manning, T. (1986), “Services used and factors considered important inselecting a bank: an investigation across diverse demographic segments”, International Journal of Bank Marketing, Vol. 4 No. 1, pp. 35-55. 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and Teo, C.S. (1996), “Bank selection criteria and the practice of multiple banking Among degree holders in Singapore”, unpublished BBus dissertation, Nanyang Technological University, Singapore. Martenson, R. (2007), “Consumer choice criteria in retail bank selection”, International Journal of Bank Marketing, Vol.3 No.2, pp.64-74. Mokhlis, S. (2009), “Determinants of choice criteria in Malaysia’s retail banking: an analysis of gender based choice decisions”, European Journal of Economics, Finance and Administrative Science, Issue 16 (2009), pp. 18-30. Nateh, B. and Frimpong-Owusu, N. (2010), “Customer knowledge and choice criteria in retail banking in Ghana”, Proceedings of the 11 th Annual Conference of the International Academy of African Business and Development [IAABD], May 2010, University of Lagos, Nigeria, pp. 544-550. Nkamnebe, A. D. and Ukenna, S. (2010), “Determinants of bank loyalty among student customers in Nigeria”, Proceedings of the 11 th Annual Conference of the International Academy of African Business and Development (IAAB)], May 2010, University of Lagos, Nigeria, pp. 572-578. Omar, O. E. (2008). Determinants of retail bank choice in Nigeria: A focus on gender-based choice decisions. Service Business, 2(3), 249-265. Pass, M. W. (2006). Western US college students: Banking preferences and marketplace performance. Journal of Financial Services Marketing, 11, 49-63. Poh, B.L. (1996), “Tertiary level students in Singapore and their banking relationships”, unpublished MBA dissertation, Nanyang Technological University, Singapore. Reed, J.D. (1972), “Commercial bank selection: a study in consumer decision-making”, unpublished Doctoral dissertation, University of Cincinnati, Cincinnati, OH. Sudin Haron, Norafifah, A. and Planisek, S.L. (1994), “Bank patronage factors of Muslim and non Muslim customers”, International Journal of Bank Marketing, Vol. 12 No. 1, pp. 32-40. Thwaites, D., Brooksbank, R. & Hanson, A. (1997), “Bank selection criteria in New Zealand: A student perspective”, New Zealand Journal of Business, Vol. 19 No.1&2, pp. 95-107. Thwaites, D. and Vere, L. (1995), “Bank selection criteria: students perspective'', Journal of Marketing Management, No. 11, pp. 133-49. Tan, C.T. and Chua, C. (1986), “Intention, 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. 592
Challenges in the Era of Globalization Edited by Emmanuel Obuah Bank selection decisions: A case study of Institute of Professional Studies Robert E. Hinson, rhinson@ug.edu.gh University of Ghana Business School, Legon-Accra, Ghana. Aihie Osarenkhoe, aoh@hig.se Department of Business & Economic Studies, Faculty of Education & Economics, University of Gävle, Sweden. Abstract Abednego Feehi Okoe, okoe67@yahoo.com Institute of Professional Studies, Legon-Accra, Ghana. Purpose – A review of the management literature indicates that several studies have been conducted on bank selection criteria among consumers in the developed world. The aim of this paper is to investigate the bank selection criteria of undergraduate students in Ghana using the Institute of Professional Studies as a case study. Design/methodology/approach- following a literature review, the paper adopts the Analytical Hierarchy Process which demands that the decision problem is structured into a three level hierarchy. The paper adopts a qualitative research approach which explores on bank selection criteria among undergraduate students. Findings - the findings indicate that undergraduates in IPS place high emphasis on the convenience, customer service, and speed dimensions of bank services. Originality/value- studies focusing on undergraduates’ bank selection in developing countries context are almost non-existent. This study will only make important contribution in helping bridge the gap but more importantly provide information on the importance of the selection criteria. Introduction Globalization has brought in its wake many changes in the economic and business environment worldwide. Ghana is not exempt from these changes and virtually all industries including the banking sector are being affected by this trend. Blankson et al (2009), report that, the global banking industry has been characterized by increasing competition since the early 1980s. They attribute this occurrence to a number of interrelated factors such as competition and deregulation that have revolutionized the distribution of many financial services. The Ghanaian banking sector has seen tremendous transformation in the last decade (2000-2010). This transformation has largely manifested in the increase in the number of banks between these periods. In the last ten years, the size of Ghana’s banking industry and as such the number of banks has grown significantly to up twenty-seven (www.bog.gov.gh). This has whipped up competition among the banks and several of them are striving to adopt various customer attraction programs to improve their competitiveness. Studies on bank marketing are not new as a wide variety of marketing constructs related to retail customers have been investigated; including key motivations (Hinson et al, 2009), bank loyalty (Beerli et al, 2004), bank selection (Thwaites and Vere, 1995; Huu and Karr, 2000), bank service quality (Hinson et al, 2009), and multiple bank users (Mokhlis et al, 2009). One marketing construct related to retail customers that has attracted a plethora of studies has been the patronization process of retail customers or the reasons on the basis of which customers choose to bank with specific commercial banks (Kaynak, 1986; Gupta and Torkzadeh, 1988; Boyd, Leonard and White, 1994; Zinelden, 1996; Gerrard and Cunningham, 2001; Blankson et al, 2007; Hinson et al, 2009). Following a review of the aforementioned 593
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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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Abstract Challenges in the Era of G
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Abstract Determinants of Bank Lendi
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Table 3 Determinants of Competitive
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Abstract Challenges of Oil Revenue
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Conclusion Challenges in the Era of
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37. Provision of sound education fo
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Abstract The Changing Requirements
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Abstract Gender, poverty and sustai
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Figure 1.1: Spread of directorships
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Single 18.1 Masters and above 35.3
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Abstract Exploring Organisational R
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Discussion and Conclusion Challenge
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Abstract What does Globalization me
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