Suchergebnisse

Високий ступінь політизації економіки України призвів до загострення проблем в банківському секторі, який сьогодні практично припинив виконувати свою функцію кредитування бізнесу. Для ефективного функціонування банківської системи в умовах зростаючої конкуренції і комерціалізації банківської діяльності, її управління передбачає: об'єктивне визначення поточного і бажаного стану, скоординоване управління фінансовими ресурсами, розробку гнучких стратегій, вибір інноваційних управлінських рішень, розвиток нових сегментів, банківських послуг і методів обслуговування. Західні фахівці і експерти вказують на нагальну потребу підвищення стратегічної й організаційної ролі банківського маркетингу, що базується на ефективному використанні нових інформаційних технологій. Основою сучасного банківського маркетингу є стратегія максимального задоволення потреб клієнтів, що, у свою чергу, призводить до істотного підвищення рентабельності діяльності банків.У статті розглядаються досі недостатньо розкриті окремі аспекти даної наукової проблематики, зокрема: аналіз сучасного стану маркетингової діяльності банків України; аналіз організації маркетингової служби у банках України; визначення маркетингових досліджень, пріоритетних для українських банків; виявлення проблем маркетингової діяльності українських банків та трансформаційних ринкових факторів.Також розглянуто основні тенденції та особливості розвитку банківського маркетингу у сучасних умовах, визначено основні види та інструменти маркетингу відносин.Высокая степень политизации экономики Украины привела к обострению проблем в банковском секторе, который сегодня практически прекратил выполнять свою функцию кредитования бизнеса. Для эффективного функционирования банковской системы в условиях растущей конкуренции и коммерциализации банковской деятельности, ее управление предусматривает: объективное определение текущего и желаемого состояния, скоординированное управление финансовыми ресурсами, разработку гибких стратегий, выбор инновационных управленческих решений, развитие новых сегментов, банковских услуг и методов обслуживания. Западные специалисты и эксперты указывают на настоятельную необходимость повышения стратегической и организационной роли банковского маркетинга, основанной на эффективном использовании новых информационных технологий. Основой современного банковского маркетинга является стратегия максимального удовлетворения потребностей клиентов, что, в свою очередь, приводит к существенному повышению рентабельности деятельности банков.В статье рассматриваются до сих пор недостаточно раскрытые отдельные аспекты данной научной проблематики, в частности: анализ современного состояния маркетинговой деятельности банков Украины; анализ организации маркетинговой службы в банках Украины; определение маркетинговых исследований, приоритетных для украинских банков; выявление проблем маркетинговой деятельности украинских банков и трансформационных рыночных факторов.Также рассмотрены основные тенденции и особенности развития банковского маркетинга в современных условиях, определены основные виды и инструменты маркетинга отношений.The high degree of Ukrainian economy's politicization led to an aggravation of problems in the banking sector, which virtually ceased to perform its function of lending business these days. For an effective functioning of the banking system in the face of growing competition and commercialization of banking activities, the system's management must include: objective determination of the current and desired state, which is coordinated by the management of financial resources, development of new flexible strategies, innovative management solutions choice, new segments, banking services and service methods development. Western specialists and experts point to the urgent need of improving of strategic and organizational roles of Bank marketing, that is based on effective usage of new information technologies. The basis of the modern Bank marketing is a strategy of maximal customer satisfaction, which, in turn, leads to a significant increase in bank's profitability.The article considers several still not enough revealed aspects of this scientific problems, especially: analysis of current state of Ukrainian banks' marketing activities; analysis of marketing service organization in Ukrainian banks; determining of marketing studies, which are preferable for Ukrainian banks; detection of marketing activity problems in Ukrainian banks and determination of transformational market factors.Also, the main trends and development of Bank marketing features are considered, basic types and relationship marketing tools are described.

BACKGROUND: Private umbilical cord blood banking is a for-profit industry in which parents pay to store blood for potential future use. Governments have noted the tendency for private banks to oversell the potential for cord blood use, especially in relation to speculative cell therapies not yet supported by clinical evidence. We assessed the regulatory landscape governing private cord bank marketing in Canada. MAIN BODY: Because the problematic marketing of private cord blood banking for future use often relates to speculative future cell therapies that do not exist and are not being advertised for current clinical use, most private blood bank marketing seems to fall outside Health Canada's regulatory scope. However, this problematic marketing is regulated by the Competition Bureau pursuant to the Competition Act. While representations relating to future hypothetical treatments may not always be subject to the legal requirement for claim substantiation, the law also prohibits individuals and companies from knowingly or recklessly making representations that are "false or misleading in a material respect." A representation is materially false or misleading when it could "influence a consumer's behavior or purchasing decisions," and consumers are likely to be considered to be "credulous and inexperienced" for the purposes of assessing an advertisement's general impression. Because all of the potential benefit of the banking is derived from the potential future use of the biological material for health interventions directed toward the customers and their relatives, and because we know the best available medical evidence indicates a very low probability of utility in this context, we can say with confidence that some private cord blood banking claims are materially misleading. Moreover, to the extent that medical professionals are involved in private bank interactions with customers or hold ownership stakes in private banks, they are subject to professional codes, standards of practice, and potentially fiduciary ...

This report synthesizes the technical assistance (TA) "Cambodia Sanitation Marketing" carried out by the World Bank's Water and Sanitation Program (WSP) from July 2011 to February 2015 in support of developing the rural sanitation market in Cambodia. It documents the results and lessons learned and makes recommendations to government on how - with support of development partners – the effectiveness and scale of the sanitation market can be increased to achieve sustainable sanitation outcomes for rural Cambodians. This TA is part of a larger support program to assist the Government of Cambodia, notably the Ministry of Rural Development, to increase access and use of improved sanitation in rural areas of Cambodia. Technical Assistance P132212 is a complementary effort that focusses on strengthening the policy and enabling environment for rural sanitation service delivery at national and sub-national level. The following lessons were learned from the TA: (1) the local private sector has catered more than 50,000 latrines to rural households, (2) the provinces where the TA was taking place experienced an average 10 percentage point increase in overall sanitation access, more than three times the national average increase within the same time period, (3) the increase in sanitation access among the poor was eight percentage point indicating the challenges that the private sector has in reaching the poorer segment of the population, (4) the private sector's revenue was estimated to amount to nearly USD 2.6 million from the sales of the underground latrine core, and (5) more than USD 600,000 was disbursed by two microfinance institutions (MFIs) to nearly 10,000 cash constrained households, enabling them to gain access to improved sanitation.

This report summarizes the results, lessons and recommendations to the Government of Lao PDR from two Technical Assistance projects (TA) "Supporting Demand Creation for Sanitation through Community Led Total Sanitation" and "Sanitation Marketing in Lao PDR" carried out by the World Bank's Water and Sanitation Program between October 2012 and December 2015. The development objective of the TAs was to increase improved sanitation and hygiene practices and change community behavior to achieve Open Defecation Free (ODF) status at the village level. This report documents the results and lessons learned from the TA program that includes experiences both from government-led rural sanitation service delivery within two provinces in Southern Lao PDR (Champasak and Sekong) , as well as from national-level engagement to strengthen systems, tools and capacity building approaches for scaling-up rural sanitation service delivery. The report makes recommendations to government on how - with the support of development partners – the effectiveness and scale of rural sanitation services can be increased to achieve sustainable sanitation outcomes for the rural population of Lao PDR. It also proposes recommendations for the engagement of the World Bank Water Practice in the sector in support of rural sanitation service delivery, aligned with lending operations,notably the Poverty Reduction Fund (PRF3) and the Health Governance and Nutrition Development Project (HGNDP). In addition a number of important learnings at implementation level are highlighted, so that operational processes can be improved to make last-mile delivery more effective and efficient.

Online platforms are particularly important in times of crisis, as they are a vital channel for providing and ensuring access to information. Competition increases the value of digital marketing in the banking sector; however, it also makes it more difficult to stand out in the disruption and uncertainty caused by the COVID-19 outbreak. Realizing the fact that the website has become mainstream in corporate marketing, this research investigates the practice of marketing by the largest and strongest 11 Islamic banks globally listed by the Asian Banker (2019). Information on visual elements, product features, and post locations related to corona safety precaution information was extracted from bank web pages. With that, also followed the post related to option of an opening online account and digital channel safety concern during COVID-19. Furthermore noticed on the bank webpage about the government funding for Corona activities and financial assistance to SMEs. The findings of this research suggest that in any crisis and fluid situation, where uncertainty existence is likely to be high, Islamic banks must be prepared to alter web-interface communication approaches and marketing strategies to reach their customers. To stay afloat in a highly competitive digital world, banks can advertise relevant product offerings during the Coronavirus crisis. Navigation and accessibility related to Coronavirus information on the website should be straightforward, highlight socially responsible activities, focus on customers with financial difficulty, and use differentiated and personalized banking services. Customers will regard such initiative and perceive their bank brand as compassionate, kind, and unpretentious.

This paper suggests that decontrol of the gum arabic export market could increase export revenues for Sudan and raise significantly the income of small scale farmers. One of the key commitments made by the Government of National Unity under the Joint Assessment Mission framework was to "abolish the export monopoly" over raw gum arabic. This commitment has not been implemented. The objective of this policy note is twofold: (a) to assess the impact of the Government policy for the export marketing of gum arabic, (b) to identify options for changing the current marketing arrangements in order to increase and stabilize gum exports, capture more value added in Sudan and provide producers with a larger share of export prices.

The problems for micro, small and medium enterprises is marketing, especially during the Covid-19 pandemic happening with social distancing and limiting direct consumer market access. Marketing is crucial because it involves income and the business cycle, especially in rural areas. Micro waqf banks based on Islamic boarding schools encourages the marketing of the products of the surrounding community. This research analyses the product marketing of micro waqf bank customers in Banten province of Indonesia. This research uses a qualitative study with a grounded theory approach, which informants consist of administrators, managers, supervisors and customers of micro waqf banks. The results show that six models of social evolution, namely empathy, exploration, elaboration, exposure, execution and expansion, can be used as alternative approaches to increase marketing of micro waqf bank products, including franchise involvement with joint marketing, e-commerce involvement with digital business services, involvement government in training and marketing strategies as well as the involvement of micro waqf banks in the creation of joint marketing content. The implication of the design thinking approach to the social evolution model will increasing marketing products for micro waqf bank customers.

This study seeks to provide a viewpoint on the marketing performance of banks in the context of the dynamic equilibrium of marketing. The current study attempts to discuss the views regarding the marketing performance of commercial banks, within the framework of the dynamic balance of marketing, and aims to design a model for measuring marketing performance through the dimensions of the dynamic balance of marketing, and these dimensions are the strategic alliance, laws and legislations, competition, and work to detect any dimensions more effective in achieving performance. The current study aims to show the importance of the dynamic balance of marketing and its relationship to marketing performance in the Iraqi banking sector.

This paper examines the effects of customer relationship marketing on bank performance in Nigeria. The research addresses the major problem associated with the adoption of customer relationship marketing by Nigerian banks which eventually exposes banks and customers to intense competition. The study was carried out in Ojo Local Government Area of Lagos State, Nigeria and it was targeted a population of 150 employees and customers of selected banks. Survey research method was used and data from the study were drawn from both primary and secondary sources. A sample size comprising 50 employees and customers were selected using stratified sampling technique and random sampling techniques. Quantitative data from the study was analyzed through descriptive statistics. The result indicates that customer relationship marketing is an effective tool to measure banks performance. The finding also shows that CRM helps in increasing banks profitability and enhances improvement in banks market share. The research is of the opinion that banks should put in seasoned customer service officers with sense of direction towards satisfying customers in order to improve overall bank performance. The study recommends that adoption and management of CRM requires the involvement of everyone in the bank in order for it to succeed.

This paper deals with various questions related to functionality and providing banking services in the European union on the Internet. Due to the fact that we live in the information technologies era, the Internet become a new space for doing economic and business activities in all areas, and especially important in banking. Accepting the busy tempo of life, in the past several years electronic banking has become necessity and a must for most users of banking services. On a sample of 300 web sites of the banks operating in European Union (EU) we conduct the research on the functionality of e-banking services offered through banks web sites with the key objective to reveal to what extent the information technologies are used in their business operations. Characteristics of EU banks websites will be examined and compared to the basic groups of business activities on the web. Also some recommendations for the successful bank web sites will be provided.

The study focuses on the comparison between a Government and Private Commercial Bank with a particular focus on information marketing, service and customer satisfaction. In this paper, the area of contrast has three prime areas: information marketing, service and satisfaction level of consumers of the banks. Surveys through questionnaire techniques and interview methods have been used to collect necessary primary data. In the survey method, the total respondent was 100, was 50 for each banks customer. The interview had been conducted to particular bank employees of those banks with some predetermined question. The consumers of Private Commercial banks have a good impression, especially at information service than that of Government Commercial Bank.

The evolution and direction of any marketing strategy in local and international environments has forced firms to adopt electronic marketing strategies to gain competitive edge and viability in the market arena (Bui & Jones, 2006). Fast development of technologies, economic globalization and many other external circumstances stimulate changes in marketing environment. For the company to gain competitive edge in today's market, especially in the electronic market, it must have a good knowledge of the external environment, especially in technological environment that affects business operations. It is important for the company to know and predict environmental conditions that influence marketing activities. Some of the external factors that influence marketing activities of modern companies include; political, economic, social-cultural, and technological factors (Adam, Mulye,Deans & Palihawadana, 2002). The study used descriptive cross sectional census survey. The design is appropriate since all the units of interest were investigated. Comparative analysis amongst all the units was done and the phenomenon under the study described as they appear to be satisfactory. From the findings, it was established that the performance of commercial banks is affected by the electronic marketing strategies selected by the bank. There is a rapid development in technology and hence banks are not being left behind in the adoption of new technology, due to either pressure from customers, stiff competition or change in technology. The banks performance is affected by electronic marketing strategies selected. The banks which have adopted the electronic marketing strategies, the performance is improved, banks which have not yet adopted the electronic marketing strategies are struggling in the performance. The banking sector should embrace electronic marketing strategy in order to survive in the rapidly changing markets. JEL: G21; D20; D83 Article visualizations:

The study aims to determine the influence relationship between the lean marketing strategy in banks and its impact on enhancing customer satisfaction by analyzing the opinions of a sample of the surveyed bank customers in the holy province of Karbala. The questionnaire was designed and distributed electronically, and the number of respondents was (395) respondents from the bank customers of the study sample, which were analyzed using statistical analysis programs (24. SMART PLS, SPSS v.23) and (Microsoft Excel). The importance of the study is embodied in that it is one of the studies that concern and address a real problem suffered by the commercial banking sector and some branches of government commercial banks, in particular, using the study's variables to develop their work, to enhance loyalty to the clients of the surveyed banks. The study reached a set of practical conclusions, including a significant effect of the lean marketing strategy in improving customer loyalty in the surveyed banks. Banks seek to exclude activities that do not add value to the customer by excluding unnecessary and unimportant marketing operations. These banks under study work to facilitate the flow of marketing operations to reduce unnecessary treatments and ensure that the customer continues as a customer of the bank and not others. The management of surveyed banks needs to pay attention to reducing unnecessary and unimportant movements when marketing banking services because of this significant impact on reducing costs and achieving customer loyalty.

Bu çalışma, 27-28 Nisan 2018 tarihinde Uluslararası EMI Girişimcilik ve Sosyal Bilimler Kongresi'de sunulan "Türkiye'deki Bankaların Web Sitelerinin Performanslarının Çok Kriterli Karar Verme (ÇKKV) Yöntemleri ile Değerlendirilmesi" başlıklı yayınlanmamış bildirinin genişletilmiş halidir. ; The purpose of this paper is to measure the performances of commercial banks' websites in Turkey by using "Multi-Criteria Decision Making" (MCDM). The use of three MCDM methods (AHP, TOPSIS, VIKOR) consecutively constitutes the originality of this study. Based on the literature and expert opinions, 6 performance criteria (load time, page speed, markup, speed index, visitors, pageviews) and 5 website analysis tools were determined. First, the significance weights of the criteria were calculated with AHP (Analytical Hierarchy Process). Second, the data obtained in the 2-month period were analyzed by TOPSIS (Technique for Order Preference by Similarity to Ideal Solution) and VIKOR (Vise Kriterijumska Optimizacija I Kompromisno Resenje) methods. "Page speed" was found to be the most important criterion in performance of banks' websites. Most successful banks in terms of website efficiency are Garanti BBVA, Isbank and QNB Finansbank according to TOPSIS whereas QNB Finansbank, Garanti BBVA and Halkbank according to VIKOR results. It is observed that banks with high deposits and number of branches and employees do not show the same success in website performance. The results are expected to shed light on managers who want to set policies and strategies for digital banking applications ; Bu çalışmanın amacı, "Çok Kriterli Karar Verme" (ÇKKV) yöntemlerini kullanarak, Türkiye'deki ticari bankaların web sitesi performanslarını ölçmektir. Bu kapsamda üç ÇKKV yönteminin (AHP, TOPSIS, VIKOR) bir arada kullanılması, çalışmanın özgünlüğünü oluşturmaktadır. Literatüre ve uzmanların görüşlerine dayanarak, 6 performans kriteri (yükleme süresi, sayfa hızı, biçimlendirme, hız endeksi, ziyaretçiler, sayfa görünümleri) ve 5 web sitesi analiz aracı belirlenmiştir. Çalışmanın ilk aşamasında AHP (Analitik Hiyerarşi Süreci) yöntemi ile kriterlerin önem ağırlıkları hesaplanmıştır. İkinci aşamada, 2 aylık periyotta elde edilen verilerin TOPSIS (Technique for Order Preference by Similarity to Ideal Solution) ve VIKOR (Vise Kriterijumska Optimizacija I Kompromisno Resenje) yöntemleri ile analizi yapılmıştır. Bulgulara göre, "sayfa hızı" değişkeninin, banka web sitelerinin performans değerlendirmesinde en önemli kriter olduğu saptanmıştır. TOPSIS yönteminde Garanti BBVA, İş Bankası ve QNB Finansbank web sitesi performansında en başarılı Türk ticari bankaları olmuştur. VIKOR yöntemine göre ise QNB Finansbank, Garanti BBVA ve Halkbank en başarılı bankalardır. Mevduat hacmi büyük, şube ve çalışan sayısı yüksek olan bankaların, web sitesi performansında aynı başarıyı göstermedikleri gözlemlenmiştir. Elde edilen sonuçların, dijital bankacılık uygulamalarına yönelik politika ve strateji belirlemek isteyen yöneticilere ışık tutması beklenmektedir.

The objective of the study was to examine the impact of marketing mix tools on customer satisfaction in Wegagen bank. The study applied explanatory cross sectional research design for which information was collected from both questionnaires and interview that were distributed among the customers and the higher officials of the bank during the banking hours respectively. The study also applied both quantitative and qualitative approaches. This study considered 381 banking customers from the selected branch of the bank. Moreover, the study used both descriptive and inferential analysis. The descriptive result of the study indicates customers are highly satisfied on promotion, People and physical evidence of the marketing mix tools; while, they are moderate on the remaining four marketing mix tools compare to these three variables. Besides, most customers have high overall satisfaction on the implementation of the marketing mix tools in the bank. The correlation analysis shows there positive and significant relationship between the marketing mix tools and customer satisfaction. Test of hypotheses have also proved that the all but, Process marketing mix have significant relationship with customer satisfaction of the bank. Furthermore, in terms of the values of the R square of the results of the regression, service marketing mix elements such as product, place, promotion, price, people, process and physical evidence all together explain 72% of variation on customer satisfaction; whereas, the remaining 28% explained by other extraneous variables such as politics profit, plan position, profit performance etc. Study concludes that most of service marketing mix has higher effect on customer satisfaction of the bank. More over the researcher recommend that The bank should exert much effort to improve the overall level of customer satisfaction on the marketing mix tools namely; product, price, place, people and process through introducing new and diversified process options, fair service charges and commissions, cooperative and skillful employees, enhancing customers and employees technology know how and introducing fast and modernized services