Fathiye Meghdadi; Mohammad Lashkari; Seyyed Alireza Davoudi
Volume 13, Issue 48 , April 2013, , Pages 29-47
Abstract
This study is the result of an applied research which aim is describing a method for priority classification of factors affecting the use of electronic services by banks’ customers. As the environment is fuzzy, the hierarchical analysis process model (Fuzzy-AHP) has been proposed for the method. ...
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This study is the result of an applied research which aim is describing a method for priority classification of factors affecting the use of electronic services by banks’ customers. As the environment is fuzzy, the hierarchical analysis process model (Fuzzy-AHP) has been proposed for the method. In this research the field study describing approach has been used and a sample of customers of Saman Bank with size of 50 has been analyzed by fuzzy-AHP to prioritize the effective factors. The studied factors are responsiveness, efficiency, fulfillment, reliability, privacy, perceived usefulness, ease of use, attitude, subjective norm and perceived behavioral control. The research results show that some factors such as perceived usefulness, fulfillment, ease of use, privacy, responsiveness, reliability, efficiency, attitude, subjective norm, perceived behavioral control, with respect to importance, have significant effect on the use of electronic services by bank’s customers.
Hamid Kurd Bache; Somaye Jahan Mahin
Volume 12, Issue 44 , April 2012, , Pages 235-258
Abstract
Non-Pricing strategies are used by firms to increase sales, expand market share, retain existing and attract new customers. These are methods and techniques that don’t involve a change in the price of the product. The non-pricing strategies are more important for banks, because they are restricted ...
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Non-Pricing strategies are used by firms to increase sales, expand market share, retain existing and attract new customers. These are methods and techniques that don’t involve a change in the price of the product. The non-pricing strategies are more important for banks, because they are restricted in using of them. Iranian banking system has recently experienced a structural change through authorizing the establishing private banks as well as recapitalization and partial privatization of the existing commercial banks. This reform has led to more competition among banks. Therefore, the banks are seeking different strategies to spread their role in the market. Due to the policies of the central bank in setting up the same rates of deposit and loan interests for all the banks, the non-price strategies have been most importance and priority.
This paper attempts to investigate the impacts of such strategies on Iranian banks' performance using a sample of 12 commercial banks in the period of 2002-2007. We used a single-stage frontier approach. This model allows estimating firm level efficiency and the sources of inefficiency simultaneously. A super efficiency model has also been used for the sake of consistency and cross checking of the results. In order to control the effects of other determinant factors of banks' performance such as ownership status, experience, risk and market concentration, these factors are also included in the models.
The results indicate that regardless of the method used, the non-pricing strategies such as difference in products, advertising and electronic banking have improved performance of the banks over the studied sample.
