刍议顾客满意战略在我国商业银行业的实施

现代商业银行之间的竞争日趋激烈,竞争的焦点集中在对客户的争夺上。实施CS战略,提高服务质量,增强顾客的满意度,成为商业银行吸引客户、留住客户的有效手段。本文在分析商业银行实施顾客满意战略必要性的基础上,主要从如何满足顾客需求和保持与现有客户持久关系的角度对我国商业银行实施顾客满意战略提出了一些具体建议。     

论顾客满意差异化战略的优势

<正> 波特在《竞争战略》里认为,企业要获取竞争优势有三种基本发展的战略,即总成本领先战略、差异化战略、聚焦战略。随着市场竞争的日趋白热化,许多企业从原来的总成本领先战略或聚焦战略转变成差异化战略(主要是产品差异化战略)。而差异化战略的关键是顾客满意差异化战略。所谓顾客满意差异化战略,就是企业在经营过程中以“顾客满意”为核心,从产品、服务等各个方面实现高顾客满意度,以使自己在“顾客满意”程度(可用顾客满意指数来衡量)上区别于竞争对手,从而不问断地获取新顾客、留住老顾客的战     

基于顾客价值的商业银行顾客关系管理

顾客价值指的是顾客在与商业银行接触的一生中,产生的当前利润和未来利润的净现值。本文通过预测和评价顾客价值,构建了描述顾客级别划分的顾客金字塔模型,并基于顾客级别的不同特点,提出了不同的顾客关系管理策略。     

商业银行如何提高顾客满意度

优质、满意的服务是商业银行永恒的主题 ,也是同业竞争的根本法宝 ;顾客的支持是商业银行生存和发展的基石 ,而顾客的支持是以“满意”为前提的。全面推行顾客满意战略 ,提高顾客满意度 ,有利于转变商业银行的服务观念 ,推进商业银行市场化进程 ,培养满意和忠诚的顾客 ,并获得满意和忠诚的顾客的支持与回报 ,使商业银行在国内国际激烈的市场竞争中得到更快更好的发展。     

顾客价值与企业核心能力研究

本文提出了基于顾客价值的核心能力研究的必要性,对顾客价值理论与企业能力理论进行了综述,提出了顾客价值是获取企业核心能力的新途径的观点,并研究了顾客价值定位战略与企业核心能力的关系。     

顾客关系的形成机理与管理策略

关系营销的本质是在企业与顾客之间建立一种互信互利的顾客关系,通过顾客关系达成交易和获取盈利。但是,环境的变化与技术的发展也给企业带来了实施顾客关系管理的必要性和紧迫性,只有与时俱进,不断创新出服务顾客的新理念、新思想、新产品和新方法,才能获取顾客关系资源,赢得市场竞争优势。     

高校校园营销服务质量与顾客忠诚的关系研究

随着中国经济文化的发展,高校校园营销逐渐兴起,重视面向大学生的市场营销对企业的发展具有重要的作用。在竞争激烈的环境中如何传递高质量的服务,提高顾客对价值的感知,提升顾客忠诚是企业获取和保持竞争优势的关键。本文在文献回顾的基础上,根据研究对象的行业特征,采用服务质量四因素模型作为划分服务质量维度的依据,通过实证分析构建了高校校园营销服务质量与顾客忠诚关系模型,并针对提高顾客忠诚提出了一些行之有效的方案,希望能够从服务质量角度进一步完善企业高校营销的战略。     

顾客的满意度与顾客忠诚度辨析

在激烈的市场竞争中,顾客是企业生存的前提和基础,企业以追求顾客满意为经营战略,努力营造顾客完全满意,建立顾客忠诚度。本文通过阐述顾客满意和顾客忠诚的概念及区别与联系,揭示了顾客满意度并不等于顾客忠诚度的内在关系。     

旅游企业竞争的新优势——服务营销

如何在服务竞争中使组织保持与顾客良好的长期关系 ,是旅游企业获取竞争优势的关键。基于关系的服务营销意味着将服务视为与顾客保持长期关系的关键性战略要素。在这里 ,传统的交易营销模式显露出很大的局限性 ,而关系营销思想和理论为服务营销提供了新的视角。     

我国银行业顾客关系管理中存在的问题及对策

随着我国经济的发展,人们对金融产品的要求日益提高,金融业的竞争也日趋激烈。在这种形势下,只有通过开展顾客关系管理,我国的商业银行才能够快速、健康的发展。因此,分析我国银行业顾客关系管理中存在的问题,积极研究解决的对策,对我国商业银行的可持续发展具有重要意义。     

Customer Retention Strategies of Fast-Food Outlets in South Africa: A Focus on Kentucky Fried Chicken (KFC), Nando's,and Steers

The primary aim of the research was to critically analyze and evaluate the different customer retention strategies being implemented by fast-food outlets such as Kentucky Fried Chicken (KFC), Nando's, and Steers in South Africa. The fast-food industry in South Africa is experiencing numerous market-related changes, which range from intense globalization forces to heightening competition levels. The pressure on businesses today is further increased by a market where the customer acquisition rate is slowing, customer loyalty is decreasing, and sales cycles are lengthening. In such an environment, losing a valuable customer to a competitor can have a significant impact on profitability and growth. As a result, many companies have shifted their focus from customer acquisition to customer retention. The research was primarily concerned with assessing customer relationship management, relationship marketing, and communication through technology as strategies to maintain intimate relationships with customers. Personal interviews and in-depth interviews with the help of questionnaires were used to collect primary data in the research. The results indicated that KFC, Nando's, and Steers adopt similar marketing strategies or use the same concepts to manage their relationships with both internal and external customers and other stakeholders. These strategies and concepts include customer relationship management, relationship marketing, and technological means of communication.     

Customer Selection and Prioritization

Abstract

That a firm benefits most when customers stick around for the long haul is a central premise of relationship marketing. This conviction has manifested itself over the past decade in the form of numerous formal loyalty programs that aim to seek and foster customer relationships. Scant evidence for the success of such programs has accrued since. This has lead firms to re-evaluate their investments in customer relationship management. Optimal resource allocation models address issues of relative investments in customer acquisition versus retention, and on managing relationships with profitable customers so that the value of a firm's customer base is maximized.     

Relating strategic market orientation and market performance: role of customer value types

A service provider achieves competitive advantage by configuring appropriate strategic orientation and customer value type. This paper addresses three important issues: (i) which customer value type (economical, relational or technical) is important for bank customers? (ii) which strategic market orientation (customer or competitor) helps in achieving the desired value type? and (iii) which value type significantly predicts market performance? We propose that a strategic market orientation pursued by a firm shall influence the customer value it intends to offer so as to maximize the market performance. Using data collected from 538 bank customers, this study reveals that when there is a perfect match between strategic market orientation and value being perceived by its customers, a firm shall achieve strategy-value fit and realize optimal market outcomes in the form of customer satisfaction, acquisition, retention, cross-selling, and up-selling. Furthermore, a bank shall realize maximum level of market performance if it pursues both customer and competitor orientation and endeavors to deliver technical/functional value to its target customers. The paper concludes with managerial implications and future research directions.     

The role of commitment on the customer benefits–loyalty relationship in mobile service industry

The purpose of this study is to identify appropriate combinations between various types of commitment and benefit, to induce and enhance loyalty behaviours, such as customer retention, cross-selling, and customers' positive word-of-mouth, in a matured service market. The results show that functional and economic benefits have significant effects on customer retention through calculative commitment, while experiential and symbolic benefits significantly affect cross-selling and positive word-of-mouth via affective commitment. Normative commitment mediates the relationship between affective commitment and customer retention. The implications of these findings for loyalty management strategy related with service benefits and type of commitment are discussed. Limitations and recommendations for future research are also presented.     

Measuring customer equity and managing the customer asset: an explanatory study in the Australian hotels

Although there are a range of conceptual and theoretical studies about customer equity (CE) measurement and management in the literature, there are few empirical studies where these two concepts are examined together. This paper focuses on the need for a more synthesised approach and addresses calls for more research into this specific area of marketing management. A conceptual framework was developed that synthesises both customer lifetime value and customer relationship management from a customer equity management (CEM) perspective. The framework was used to empirically examine how four CE strategies, together with a firm’s use of the two types of customer data (aggregated and disaggregated), impact on CEM outcomes. Data were collected from 114 hotel managers in Australia and analysed through a decision tree methodology. The results show that hotels are utilising their CE strategies for acquisition purposes more than retention purposes (customer asset management), which overall appears to satisfice more than maximise their hotel’s capacity in achieving effective CE outcomes. The study’s contribution to theory is through empirically testing a framework that combines two discrete theoretical concepts in one study to provide insights to guide future research.     

Ignoring Your Best Customer?

Abstract

Many organizations devote considerable amounts of money and human resources to develop systems aimed at improving customer retention and profitability. The conventional wisdom is that if retaining the most profitable customers is a good way to increase profitability, then allocating resources to increase the satisfaction of those customers has to be a great objective. However, managers do not observe clear link between satisfaction, retention and profitability. The reason is that different customers have different preferences for convenience as well as different costs associated with switching service providers. These preference and cost heterogeneities have important implications for how companies should target their customer service efforts.

In this paper, we adopt a latent class model to examine the interrelationship amongsatisfaction, retention and profitability. Applying the model to a data of customer satisfaction, self-reported switching propensity, and profitability provided to us by a large Midwestern bank, we make normative statements about which customers are the most criticalones for the company to satisfy and how to satisfy them. The results of this research help to explain why managers have been frustrated by the apparent lack of actionable information present in customer satisfaction data and points to more intelligent ways to use this data.     

基于网络经济的顾客保留策略

通过网络营销的交互性和良好的顾客服务手段,增进顾客关系成为网络营销取得长期效果的必要条件。顾客保留对于开发顾客的长期价值具有至关重要的作用,以顾客保留为核心的营销方式成为企业创造和保持竞争优势的重要策略。     

Retaining customers in UK financial services: The retailers' tale

Retaining customers offers major benefits to retailers of financial services, such as improved customer profitability and lowered acquisition costs. In spite of the importance to the sector in minimising customer ‘churn’, there has been limited investigation into the practices of customer retention. This paper reports empirical research into the retention of customers in traditional retailers of financial services in the UK to study the practices involved in retention. Following a pluralistic research design, data were generated by means of interviews with senior bank staff and by surveying staff involved either directly or indirectly with retaining customers. The study discovers key elements in the practice of retaining customers and also points to a number of potential difficulties as these organisations balance the activities of customer acquisition and retention.     

Does online relationship marketing enhance customer retention and cross-buying?

One characteristic of online consumer behavior is the low cost of searching for alternatives. Therefore, customer loyalty is more difficult to achieve in the online context than in the offline one. Although studies have discussed the effectiveness of relationship marketing, nearly all studies examining such constructs have been in the context of ‘offline’ consumer behavior. With regard to the ‘online’ context, the integration of Internet technology with the customer loyalty concept is rarely discussed in the relationship marketing literature. Furthermore, empirical research that integrates the actual purchase behavior of customer retention and cross-buying is relatively sparse. In response to this, the current study develops and empirically tests a model that examines the relations among relationship-bonding tactics, perceived relationship investment, perceived relationship quality, customer loyalty, customer retention, and cross-buying. Using survey data from 766 online customers of a securities corporation, the results demonstrate the effectiveness of relationship marketing as it positively influences online customers' perception, then their loyalty, and ultimately, their actual purchase behavior.     

Reversing the Logic: The Path to Profitability through Relationship Marketing

Many firms have experienced greater success through implementing relationship marketing strategies. This is achieved by gaining knowledge about their own customers through database marketing and about the general marketplace through marketing research. Over time, this has led firms to adopt a general framework which we call the conventional path to profitability. This conventional framework suggests that new product innovation leads to acquisition, acquisition combined with a rich experience leads to satisfaction, satisfaction leads to loyalty and customer retention, and loyalty/retention leads to profitability. However, we show that some of the links in the framework are weak based on both academic research and marketplace realities. Consequently, we reverse the logic of the conventional path to profitability. We introduce a new approach that starts the customer relationship management strategy with customer profitability and the notion that different customers should be rewarded and satisfied differently. In addition, we outline a strategy that relationship marketing firms can implement, leading to higher levels of customer profitability and offer directions for future research.