Owing to increased competition resulting from a decade of deregulation in the Ghanaian banking industry, the banks find themselves faced with the task of differentiating their products as a method of attracting new customers. Aims to ascertain the characteristics looked for when Ghanaian bank...

The relationship between banks' corporate customers and their sources of financial services is examined. From interviews with financial decision makers, in a number of British companies, the author discusses their awareness of, attitudes towards and use of financial services and the attributes...

Consumers do not select their main bank in a particularly conscious fashion; results of a survey of 558 Swedish bank customers and 53 bank branch managers indicated that for a third of respondents the choice was random. However, bank location, availability of loans, and payment of salary through...

The usefulness of factor congruency analysis in bank marketing research is demonstrated by a study of the financial services market in a large Midwestern American city, utilising data obtained from consumers by mail survey methodology (eliciting a 34 per cent response rate from a sample of 2,000...

An insight into the motivations of personal savers is offered here, and five different types are identified. It is seen that there is often no clear‐cut line between “savings” and “investments”, and only an impressionistic inter‐pretation of the findings is possible. However, this...

Some major segmentation issues in retail banking are examined. It is found that primary institutions are associated with frequency of visits and that it is usually a low involvement decision oriented towards convenience. It is also shown that financial services consumption is a product driven...

In this article the authors report the results of a study of use of automated teller machines (ATMs) in Canada. A total of 255 users and non‐users were interviewed regarding their use of ATMs, shopping motivations, attitudes towards and familiarity with technology, age, education and...

The Bank of China Group has competed aggressively in retail banking in Hong Kong, successfully expanding their business in recent years. This article reports a study exploring the likelihood of the Group assuming increasing importance in the run‐up to 1997 when Hong Kong is returned to China....

This is a report of a survey examining key aspects of Saudi Arabian banking behaviour such as a bank's experience, reputation, service, personnel quality, location. The services that account‐holding customers use are examined and their satisfaction with financial, social and security risks are...

This study reports an empirical test of two involvement scales: Zaichkowsky’s personal involve‐ment inventory (PII) and Kapferer and Laurent’s consumer involve‐ment profile (CIP). The purpose of this study is to identify whether these two scales are applicable to financial services....