by Fok Yin-mei and Leung Suk-yee. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1994. / Includes bibliographical references (leaves 17-19). / ABSTRACT --- p.iii / TABLE OF CONTENTS --- p.v / LIST OF TABLES --- p.viii / ACKNOWLEDGEMENTS --- p.ix / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Background of the Study --- p.1 / Objectives of the Study --- p.8 / Chapter II. --- RELATIONSHIPS BETWEEN COMPANIES AND THEIR BANKS： FURTHER REMARKS AND LITERATURE REVIEW --- p.9 / Dynamics in the Management of Corporate Banking Relationships --- p.9 / Companies' Bank Selection Behaviors --- p.12 / Bibliography --- p.17 / Books --- p.17 / Periodicals --- p.17 / Chapter III. --- METHODOLOGY --- p.20 / Qualitative Study --- p.20 / Quantitative Study --- p.21 / Questionnaire Design --- p.21 / Population and Sampling --- p.22 / Data Processing --- p.23 / Chapter IV. --- FINDINGS AND ANALYSIS: QUALITATIVE STUDY --- p.24 / Initial Screening --- p.24 / Credit Analysis --- p.25 / Granting Credit --- p.28 / Credit Monitoring and Control --- p.29 / How Do Banks Develop and Maintain Relationships with Clients? --- p.30 / Chapter V. --- FINDINGS AND ANALYSIS: QUANTITATIVE STUDY --- p.33 / The Research Sample --- p.33 / Bank Selection --- p.34 / Bank Usage --- p.35 / Split Banking --- p.37 / Bank Switching --- p.38 / Perceived Importance of Bank Attributes in Major Bank Selection --- p.39 / Basic Bank Attributes --- p.39 / Bank's Image --- p.40 / Lending Policy --- p.41 / Product Quality --- p.41 / Account Officers --- p.42 / Pricing Factors --- p.43 / Usage of Financial Institutions Other Than Banks --- p.43 / Other Findings --- p.44 / Chapter VI. --- RECOMMENDATIONS --- p.47 / Product Development --- p.47 / Improving the Performance of Account Officers --- p.48 / Marketing Strategies --- p.49 / Bank's Image --- p.51 / Pricing Strategies --- p.52 / Accountant's Role in the Banking Relationships --- p.53 / Chapter VII. --- CONCLUSION --- p.56 / APPENDICES / Chapter 1. --- QUESTIONNAIRE FOR BANKERS --- p.57 / Chapter 2. --- QUESTIONNAIRE FOR CLIENT COMPANIES --- p.58 / Chapter 3. --- COVERING LETTER --- p.63 / Chapter 4. --- COMPANIES' HEADQUARTERS --- p.64 / Chapter 5. --- INDUSTRIES IN WHICH COMPANIES WERE PRINCIPALLY ENGAGED --- p.65 / Chapter 6. --- COMPANIES' NUMBER OF PERMANENT EMPLOYEES --- p.66 / Chapter 7. --- COMPANIES' YEARS OF ESTABLISHMENT --- p.67 / Chapter 8. --- COMPANIES' FORM OF OWNERSHIP --- p.68 / Chapter 9. --- THE RESPONSIBILITY OF SELECTING THE MAJOR BANK IS --- p.69 / Chapter 10. --- WHO ARE RESPONSIBLE FOR SELECTING THE MAJOR BANK? --- p.70 / Chapter 11. --- INFORMATION SOURCES USED IN SELECTING THE MAJOR BANK --- p.71 / Chapter 12. --- BANKS EMPLOYED BY COMPANIES --- p.72 / Chapter 13. --- NUMBER OF BANKS USED BY COMPANIES --- p.73 / Chapter 14. --- REASONS FOR USING MORE THAN ONE BANK --- p.74 / Chapter 15. --- HOW LONG COMPANIES HAVE WORKED WITH THEIR MAJOR BANK? --- p.75 / Chapter 16. --- FACTORS FOR SWITCHING THE MAJOR BANK --- p.76 / Chapter 17. --- IMPORTANCE OF BANK ATTRIBUTES IN MAJOR BANK SELECTION --- p.77 / Chapter 18. --- FINANCIAL INSTITUTIONS OTHER THAN BANKS USED BY COMPANIES --- p.79 / Chapter 19. --- CROSS TABULATION: LOCATION OF HEADQUARTERS BY WHO SELECT THE MAJOR BANK --- p.80 / Chapter 20. --- CROSS TABULATION: LOCATION OF HEADQUARTERS BY MAJOR BANK --- p.81

by Leung Sze Man, Amelia. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1993. / Includes bibliographical references (leaves 24-26). / ABSTRACT --- p.ii / ACKNOWLEDGMENTS --- p.iii / TABLE OF CONTENTS --- p.iv / Chapter / Chapter I --- BACKGROUND AND STATEMENT OF THE PROBLEM --- p.1 / Introduction --- p.1 / Development of the Private Banking Business --- p.4 / Private Banking in Hong Kong --- p.8 / Scope of this Project --- p.10 / Chapter II --- LITERATURE REVIEW --- p.12 / What is Private Banking? --- p.12 / "Hong Kong Private Banking -- the ""Switzerland of Asia""" --- p.15 / Internal Marketing in the Private Banking Unit --- p.19 / Bibliography --- p.24 / Chapter III --- RESEARCH METHODOLOGY --- p.27 / Research Design --- p.27 / Data Collection Methods --- p.29 / Sample Design --- p.33 / Data Analysis --- p.35 / Chapter IV --- FINDINGS --- p.36 / Private Banking in Hong Kong -- a Comparison --- p.36 / Internal Marketing in the Private Banking Operation of the Hongkong and Shanghai Banking Corporation Limited in Hong Kong --- p.39 / Quantitative Analysis --- p.39 / Qualitative Analysis --- p.53 / HSBC Private Banking in the HongkongBank of Canada in Vancouver (VPB) --- p.62 / Chapter V --- CONCLUSIONS AND RECOMMENDATIONS --- p.68 / Private Banking in the Hongkong and Shanghai Banking Corporation Limited in Hong Kong in the Future --Sharpen its Competitive Edge --- p.68 / Internal Marketing Efforts -- a Proactive Approach --- p.70 / Globalization through Communications --- p.75 / APPENDICES / Chapter I --- Questionnaire for HSBC Branch Managers and Customer Service Officers in Hong Kong --- p.77 / Chapter II --- Interview Guide for HSBC Private Banking Managerin Vancouver --- p.78 / Chapter III --- Comparison among the four Major Players in Private Banking in Hong Kong --- p.79 / Chapter IV --- Scattergram for Correlational Analysis: Attitudes vs. Referrals in Hong Kong --- p.80 / Chapter V --- HSBC Proposed Internal Marketing Plan --- p.81

In many industries, service is the critical determinant of success or failure. Service failure is almost inevitable, and this has the potential for the organisation to lose its customer. However, if implemented successfully, Service Recovery can rectify the breakdown in service, and turn angry, frustrated customers into loyal ones. Service Recovery is vital for profitability, especially for companies operating in the services market, like First National Bank (FNB). Unfortunately, few service firms know how satisfied customers are with their Service Recovery efforts, and FNB is no exception. This study attempted to rectify the situation, to ensure that the bank does not fail its customers a second time. The major focus of the study is to assess client satisfaction with Service Recovery (SR) from FNB. By using the RECOVSAT instrument (developed by Boshoff in 1999), the study aims to establish how effective FNB was in terms of the six dimensions of SR, namely communication, empowerment, feedback, atonement, explanation, and tangibles. The relationship between each of the dimensions and customer satisfaction, as well as between customer satisfaction and loyalty, was measured, and a hypothesis for each relationship rejected or accepted. The empirical results show that, from 702 complainants, a RECOVSAT score of 68% was computed, which could be regarded as only satisfactory. The dimensions of communication, explanation, atonement, and empowerment, had the strongest positive correlation with customer satisfaction, while feedback and tangibles, although positively correlated, were not statistically significant, and thus not as important as the first four dimensions. FNB performed best on tangibles (81%), then communication (75%), explanation (70%), atonement (68%), empowerment (62%), and lastly feedback (51%). The study reinforced the view that customer satisfaction is positively related to loyalty. Other findings were that, administration and errors were the most frequent complaints, followed by pricing, fees, and interest, while time delays/waiting were the third most numerous. Over 54% of complainants had been with the bank for over 10 years, which could be a problem if the customers had left the bank, as the profitability of a customer generally increases with time. Age and gender did not appear to be factors that influenced behaviour of complainants. In terms of the managerial implications, it is recommended that FNB implement a Customer-Complaint-Handling (CCH) system that is both national and inter-group. The bank should also focus on empowering employees, improving communication skills, explaining to customers why the problem occurred, apologising, and offering some atonement. By adopting the recommendations, FNB should improve their service recovery, and as a consequence, their customer satisfaction and loyalty, and profitability should also increase.

The purpose of this study is to gather information for the management of the Bank of Ayudhya to improve its internet banking service. It explored customer satisfaction, customer attitudes, and the correlation between the frequency of Internet banking usage and customer demographic data.

Thesis (D. Tech.) -- Central University of Technology, Free State, 2008

The Internet has had and will continue to have a major impact in the way in which banking business is conducted. This dissertation primarily considers the allocation of risks associated with Internet banking and in doing so considers the role of trade usage in Internet banking. The question of what the Internet is and more specifically what constitutes Internet banking is addressed. In order to have an understanding of the allocation of risks in Internet banking a good understanding of the traditional bank-customer relationship is necessary. The contractual basis for this relationship is discussed. The duties of the bank and the customer are discussed. In this regard the duty of a bank to act in terms of its customers mandate, the banks duty of confidentiality and the customers duty to exercise reasonable care are considered. The concept of a customer is briefly discussed. As trade usage plays a significant role in the contract between the bank and its customer, attention is given to the requirement for the recognition of a trade usage generally and more particularly in South Africa. The effect of Internet banking on the traditional bank-customer relationship is considered. The fact that a bank is still required to act in terms of its customer's mandate but is unable to identify is examined. As most Internet banking contracts impose an obligation on the customer to take security precautions and also limit the liability of banks, consideration is finally given to the possibility that the practices of banks in regard to Internet banking may have acquired the status of trade usage in this particular sphere of banking. / LL.M. (Banking Law)

M. Tech. Business Administration / The purpose of this study is to improve service quality at Nedbank by using a modified version of the SERVQUAL model to identify the service quality gaps at Centurion Mall branch and highlight the areas that need to be improved so as to deliver superior quality service. To access the customer's expectation on service quality, a SERVQUAL questionnaire was used to measure expectation and perception according to five quality dimensions.

Thesis (PhD (Business Management))—University of Stellenbosch, 2009. / In 2008, retail banking in South Africa is a highly competitive industry with extensive customer bases that expect increasingly more from their banking experience. The retail bank with an appropriate strategic differentiator will gain a sustainable competitive advantage in the changing retail banking environment and add value to all its stakeholders. This study was conducted within the evolving retail banking industry and investigated customer experience as a possible strategic differentiator in this industry. The investigation included a literature study on the evolution of retail banking globally and in South Africa, the concepts strategy, differentiation and sustainable competitive advantage and customer experience. Quantitative and qualitative measurement frameworks were applied to measure the total customer experience and thereby illustrate through the research results the value of understanding the customer experience as differentiator in an organisation. The researcher determined through the investigation that customer experience can be a valuable strategic differentiator in retail banking today as it gives an organisation a competitive advantage through the focus on the total customer experience which includes the previous differentiators in the industry, namely product, price and service. The researcher also indicated that customer experience evolved over time and includes service quality and customer service from which it evolved. The implications of the study focus on management‟s role in developing a differentiated strategy which describes customer experience as the differentiator and implementing such a strategy implies a thorough understanding of customers and their experiences when interacting with the organisation and entrenching a customer experience culture and orientation in the organisation on all levels.

published_or_final_version / Business Administration / Master / Master of Business Administration

by Ng Tze-fung, Victor. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1991. / Bibliography: leaves 100-103. / ABSTRACT --- p.ii / ACKNOWLEDGEMENTS --- p.iv / TABLE OF CONTENTS --- p.v / LISTS OF TABLE --- p.viii / LISTS OF FIGURE --- p.ix / CHAPTER / Chapter I --- INTRODUCTION --- p.1 / Definition of the Problem --- p.1 / Overview of Payment System --- p.2 / Overview of Innovations in Electronic Banking Technology --- p.3 / The Growth of Electronic Banking in Hong Kong --- p.5 / Development of EFTPOS in Hong Kong --- p.5 / Parties Involved in EFTPOS --- p.6 / Benefits of EFTPOS --- p.7 / Problems for EFTPOS Development --- p.8 / Motivation of Study --- p.9 / Chapter Summary --- p.11 / Chapter II --- THEORETICAL FRAMEWORK --- p.12 / Introduction --- p.12 / Consumer Adoption of Electronic Banking Technology --- p.13 / The Concept of Perceived Risk --- p.14 / Multi-dimensional Approach of Perceived Risk --- p.15 / Summary of Related Empirical Research --- p.16 / Study by Home (1982) --- p.16 / Study by Lau and Ng (1983) --- p.17 / Study by Motazedi (1984) --- p.18 / Summary of the Related Articles --- p.19 / Astbury (1985) --- p.19 / Friis (1985) --- p.19 / Aoki (1986) --- p.20 / Brobeck (1986) --- p.20 / Marketing News (1987) --- p.21 / Kuroda (1987) --- p.21 / Fitzgerald (1988) --- p.21 / Ho (1991) --- p.22 / Sowton (1989) --- p.23 / """Banking World's Special EFTPOS Report"" (1990)" --- p.23 / Nature and Scope of This Study --- p.23 / Development of the Research Hypotheses --- p.24 / Research Hypotheses in the Null Form --- p.26 / Chapter Summary --- p.27 / Chapter III --- RESEARCH METHODOLOGY --- p.28 / Measurement of Perceived Risk --- p.28 / Design of Questionnaire --- p.30 / Layout of Part I --- p.31 / Layout of Part II --- p.32 / Layout of Part III --- p.33 / Layout of Part IV --- p.34 / Definition of Small and Large Purchases --- p.34 / Pre-testing and Adjustments --- p.36 / Selection of Respondents --- p.36 / Measurement Methods --- p.37 / Statistical Tests Employed --- p.38 / Response Rate --- p.40 / Chapter Summary --- p.41 / Chapter IV --- RESEARCH FINDINGS --- p.42 / Introduction --- p.42 / Overall Perceived Risk --- p.43 / Perceived Risk for Cash Payment --- p.44 / Perceived Risk for Credit Card Payment --- p.46 / Perceived Risk for EFTPOS Payment --- p.47 / Perceived Physical Risk --- p.49 / Definition --- p.49 / Physical Risk in Small Purchase --- p.49 / Physical Risk in Large Purchase --- p.50 / Overall Physical Risk --- p.51 / Perceived Performance Risk --- p.52 / Definition --- p.52 / Performance Risk in Small Purchase --- p.52 / Performance Risk in Large Purchase --- p.53 / Overall Performance Risk --- p.54 / Perceived Psychological Risk --- p.55 / Definition --- p.55 / Psychological Risk in Small Purchase --- p.56 / Psychological Risk in Large Purchase --- p.57 / Overall Psychological Risk --- p.57 / Perceived Financial Risk --- p.58 / Definition --- p.58 / Financial Risk in Small Purchase --- p.59 / Financial Risk in Large Purchase --- p.60 / Overall Financial Risk --- p.60 / Perceived Risk of Time Loss Risk --- p.61 / Definition --- p.61 / Risk of Time Loss in Small Purchase --- p.62 / Risk of Time Loss in Large Purchase --- p.62 / Overall Risk of Time Loss --- p.63 / Testing of Hypothesis One --- p.64 / Testing of Hypothesis Two --- p.66 / Comparison of User and Non-user --- p.67 / Testing of Hypothesis Three --- p.69 / Test on EFTPOS Knowledge --- p.69 / Testing of Hypothesis Four --- p.72 / Chapter Summary --- p.73 / Chapter V --- SUMMARY AND CONCLUSION --- p.74 / Summary of Key Findings --- p.74 / Implications and Discussion --- p.76 / The Case of Super Ease Card --- p.78 / Limitation of Study --- p.79 / Contribution of Study --- p.79 / Suggestions for Further Study --- p.80 / Concluding Summary --- p.80 / APPENDIX --- p.82 / Sample of Questionnaire --- p.82 / Lists of Perceived Risk Equation --- p.98 / BIBLIOGRAPHY --- p.99