Titel: Bankvärldens framtid: En studie kring hur banker utnyttjar den teknologiska utvecklingen och digitaliseringen av tjänster samt dess påverkan på kundrelationer, förtroende och lojalitet   Nivå: Kandidatuppsats i företagsekonomi   Akademi: Akademin för Ekonomi, Samhälle och Teknik, Mälardalens Högskola   Författare: Sebastian Grip, Gustav Hellström och Tobias Skyttevall (92/04/22), (94/02/28), (95/05/21) Handledare: Hadjikhani, Annoch   Datum: 05–06–17   Bakgrund: Att skapa en lojal kund genom att ligga i framkant och hela tiden erbjuda det senaste på marknaden vad det gäller digitala tjänster är viktigt för bankernas överlevnad. Ett krig pågår mellan de traditionella bankerna och uppstickare, enligt Thulin (2016). Nya reglementen ska presenteras där fintech-bolag kommer få mer tillgång till kundinformation då bankerna måste släppa in tredjepartsaktörer i sina system, vilket inte varit fallet tidigare. Detta har hämmat konkurrenter till banken. Syfte: Studiens syfte är att skapa en ökad förståelse kring hur den teknologiska utvecklingen påverkar kundrelationerna, förtroendet och lojaliteten mellan bank och kund. Studien presenteras utifrån bankernas perspektiv angående hur dessa utnyttjar digitaliseringen av tjänster.   Frågeställningar: <ul type="disc">Hur kan en bank förhålla sig till den ständiga teknologiska utvecklingen och digitaliseringen när det handlar om att skapa en framtida kundrelation? Hur skapar banker förtroende och lojalitet med hjälp av den teknologiska utvecklingen?   Metod: Studien utfördes genom en kvalitativ forskningsstrategi. Semistrukturerade intervjuer med fem respondenter från fem företag kopplade till banksektorn användes. Den valda teoretiska referensramen, metoden samt den insamlade empirin kommer att mynna ut i en slutsats och diskussion. Slutsats: Följande slutsats dras att bankerna måste fortsätta utveckla digitala verktyg för att kunna bygga vidare och behålla starka kundrelationer, samt skapandet av lojalitet och förtroende. Denna studie visar på att bankernas förhållningssätt till den ständiga utvecklingen och digitaliseringen som äger rum är av vikt för att skapa goda och starka kundrelationer. Ett ständigt jobb måste ske hos bankerna med att utveckla hanteringen av relationerna, både digitalt och fysiskt.   Förslag till vidare forskning: Det skulle vara intressant att studera vidare ur ett kundperspektiv om vad banker anser vara de viktigaste aspekterna från ett kundperspektiv vid skapandet av förtroende och lojalitet stämmer överens med verkligheten samt påverkan av PSD2-direktivet samt GDPR-direktivet.   Nyckelord: Förtroende, lojalitet, digitalisering, bank, e-CRM, PSD2 / Title: The Future of the Banking World: A Study Regarding How Banks Exploit the Technological Development of Services and Its Influence of Customer Relationships, Trust and Loyalty   Level: Bachelor’s Thesis in Business Administration   Institution: School of Business, Society and Engineering, Mälardalen University   Authors: Sebastian Grip, Gustav Hellström and Tobias Skyttevall (92/04/22), (94/02/28), (95/05/21) Tutor: Hadjikhani, Annoch   Date: 05–06–2017   Background: Creating a loyal customer by staying ahead and constantly being able to offer the latest on the market concerning digital services is important for survival for the banks. A war is taking place between the traditional banks and innovative up-and-comers, according to Thulin (2016). New regulations will be introduced which allow fintech companies access to customer information, as banks must release third party players into their systems. This has not been the case before and has hampered competitors to the established banks.   Purpose: The purpose of this study is to create an increased understanding of how technological developments affect customer relations, trust and loyalty between banks and customers. The study is presented from a bank perspective concerning how banks utilise the digitisation of services. Research questions: How do banks adapt to the constant technological development and digitisation regarding the creation of future customer relationships? How do banks create trust and loyalty with the help of the technological advancement?   Methodology: This study was conducted through a qualitative research method. The empirical material was collected through semi structured interviews with five unique respondents. Theory is collected through mainly scientific articles, but also via electronic and literary sources. As a result of the theoretical framework, methodology and empiricism the study will conclude with a discussion and finally to the conclusion of the study. Conclusion: The following conclusion is that banks have to continue to develop digital tools to be able to continue to improve and maintain customer relationships, including the creation of loyalty and trust. This study shows that the banks’ approaches to the constant development and digitalisation that takes place will be of value to be able to create strong customer relationships. A continuous effort has to be made by the banks to develop and improve the management of relations, both digitally and physically. Suggestions to further researching: It would be interesting to study this issue from a customer perspective concerning what the banks consider to be the most important aspects from a customer perspective. Furthermore, it would be interesting to examine if the creation of trust and loyalty are in line with the reality, as well as the impact of the impending PSD2 and GDPR directives.   Keywords: Trust, loyalty, digitisation, bank, e-CRM, PSD2

Thesis describes the phenomenon of Consumer relationship management (CRM) in theoretical part. Furthermore author discusses each component and principles of successful implementation into a small business. In the practical part, author suggests an implementation into specific Czech company, which wants to keep it's anonymity. Alongside the implementation of CRM, the thesis concerns an optimalization of processes in this company, regarding e-shop orders. Another area of practical part is the analysis of company's historical data and it's usage in the future.

Ve vyspělých zemích je běžné, že firmy využívají veřejných podpor podnikání. Pomocí politiky finančních podpor se Evropská unie snaží o snižování rozdílů ve vyspělosti regionů. S novým programovacím obdobím se malým a středním podnikům v ČR otevřely větší možnosti čerpání finanční podpory ze strukturálních fondů na financování svých projektů, které by se jinak třeba ani nepodařilo realizovat. Cílem této diplomové práce je přiblížit koncept CRM, problematiku jeho financování ze strukturálních fondů, získání přehledu o programech, a zejména metodický postup jak získat podporu. Práce je rozčleněna do následujících sedmi kapitol. V úvodní kapitole je seznámení s tématem práce, zdůvodnění výběru tématu, definování cílů práce a omezení práce. Ve druhé kapitole je podána charakteristika CRM včetně situace na trhu, trendů a významu pro malé a střední podniky. Třetí kapitola se zabývá možnostmi spolufinancování z fondů EU. Další kapitola se soustředí na metodický postup spolufinancování z fondů EU a to včetně přípravy, záměru, žádostí, pokynů či hodnocení. Pátá kapitola detailně popisuje náležitosti projektu. V následující kapitole se nalézá anketa. Závěrečná kapitola shrnuje a hodnotí výsledky celé práce.

Práce pojednává o strategickém řízení podniku na základě znalosti celoživotní hodnoty zákazníka. Definuje Customer Lifetime Value v souvislosti se strategií podniku,Customer Relationship Managementem a Balanced Scorecard metodologií. Charakterizuje jednotlivé kroky stanovení hodnoty, způsoby alokace a softwarové nástroje, stejně jako rizikové oblasti implementace tohoto způsobu řízení a praktické možnosti využití, obzvláště pro segmentaci zákazníků, upravení vztahů se zákazníky a nastavení všech customer facing procesů. Praktická část uvádí příklad stanovení hodnoty, respektive ziskovosti, zákazníka na příkladu letecké společnosti a analyzuje specifika leteckého průmyslu, stanovení kalkulačního vzorce a konkrétní návrhy pro budoucí implementaci, včetně využití výsledků hodnoty zákazníka v řízení společnosti.

The work deals with the implementation of CRM solutions, it's representation in the reference model MBI, which is the main goal of the work. In the first part the market of CRM products is analyzed and the current trends in the industry are introduced. The second part is focused on the aforementioned extension of the reference model MBI based on the knowledge and the experience of professional literature in the implementation of CRM solutions. The extension is realized in the form of four tasks which generalize practices for implementing customer relationship management, further work is completed by factors that describe the practical procedures and instructions for working in CRM solutions. The application used is also defined in this work.

The thesis addresses possibilities of deploying the open source data mining system LISp-Miner in the customer relationship management (CRM), specifically in the area of lead management. This is basically a process of finding information about potential customers, qualifying those customers according to their potential (future value), and turning the selected potential customers to real customers. The data used includes the records concerning the lead management of a major logistic company operating worldwide (the company wanted to stay in anonymity). The data is analysed using the LISp-Miner system which is an academic software developed at the Faculty of Informatics and Statistics at the University of Economics, Prague. The thesis also pays attention to the collaboration with the business experts of the company which provided the data. The principle aim of the thesis is to provide information contributing to the possible change of internal processes of the company. Further aims are to propose directions of the use of the LISp-Miner system when solving a similar data mining task, and propose a simple and understandable way how to present the results. The aims have been achieved by doing the analysis in compliance with the CRISP-DM Methodology. The asset of the thesis is the description of the whole project which includes the analysis of real data using the LISp-Miner system. Further result of the thesis is the description of the lead management domain. Finally, the thesis offers the instructions and recommendations for future similar projects. Section I outlines the LISp-Miner system and its procedures. Section II - A case study describes the process of analysing the data. Two cycles ("iterations") of the analysis were performed. The chapters devoted to the both iterations have been structured according to the phases of the CRISP-DM Methodology. Section III summarises the observations gained during the entire project. Moreover, it gives recommendations and instructions for the application in case a similar project of the data analysis using the LISp-Miner system is designed.

This diploma thesis is devoted to evaluation of the importance of CRM (Customer relationship management) in the strategy of a large international company. Specifically, it concentrates on the assessment of barriers as well as advantages which accompany the CRM implementation process into the existing corporate structures. The analytical section of this diploma thesis is patterned on various definitons of the term "CRM" and also deals with partial aspects of CRM and with its relationship to marketing and business processes within the company. The practical section explores the situation in the company Škoda Auto which recently started an international CRM impelementation.

The diploma thesis describes the process of CRM tool implementation project from project plan to the selection of an appropriate solution. The project is a result of cooperation with specific company. The main goal is to offer a solution of a software tool for managing relationship with business partners of company wholesale, more effective managing and controlling of wholesale representatives. The final solution is a result of consultations with company management, company wholesale representatives and representatives of CRM vendors. The benefit of this thesis is a solution of CRM tool, which is capable to solve actual problems and fulfill company requirements. The benefit is also a documented initial analysis and a process of selecting CRM tool in wholesale company. So the thesis could be used as basis for selection of CRM tool in other wholesale companies. The thesis is divided into theoretical and practical part. The theoretical part enlightens the topic of CRM. The practical part, which prevails in the text, consists of a project plan initial analysis, CRM market analysis and analysis of specific CRM tools.

The master's thesis deals with the creation of the new concept of a loyalty programme for a particular company, which would be a strong competitive advantage focusing on the selection of benefits through customer survey. To fulfil this topic the thesis first outlines the theoretical knowledge on which the concept should be based and what are the methods and possibilities in the area of loyalty programmes. Furthermore, there is detailed analysis of the market situation and its players with an emphasis on points of difference. The main part of the thesis firstly sets objectives, the target group and principle of the loyalty programme. In the main part the benefits with the highest value for customers are chosen through a customer survey using a three-level selection method. The analysis also outlines the differences between travel classes, gender and age of respondents. In conclusion, there is also the economic rationalization and recommendations for the company.

A review of the literature revealed that various scholars on the subject of customer relationship management hold divergent views on the exact domain of CRM because of its multi-faceted nature. Furthermore, CRM remains vague in terms of its impact on firm performance because the generative mechanisms have not been fully considered. In response, a theoretical framework of CRM as the underpinning foundation which establishes the linkages between CRM and the firm's performance is proposed, which synthesizes different perspectives of key constructs of CRM and thus seeks to incorporate them into a practical and coherent framework that can be universally used. Therefore, the central aim of this thesis is to develop an empirically based conceptual model of the process that has the potential for crossing cultural and sectoral boundaries and highlights the potential link between CRM and the establishment of long term customer value. This thesis presents and discusses empirical findings from a survey of 226 senior managers and 584 customers in the Taiwanese banking sector who are examined from their perspectives by using structural equation modeling. From the perspective of managers, the findings largely supported the proposed hypotheses. Customer interaction and customisation, but not customer knowledge and customer knowledge management (CKM) capability, are significantly and positively related to customer value. CKM capability and customization are crucial in affecting customer satisfaction. The results also provided strong evidence of customer values' impact on customer satisfaction, which in turn is necessary determinant of customer loyalty. Furthermore, the relationship between customer loyalty and CLV is positive. Consequently, it has been found that customer benefits play significant mediating roles between CRM and firm performance. On the other hand, from the perspective of customers, the results showed that managerial perceptions of CRM practice have no relationships with the customer value and customer satisfaction as perceived by customers. This thesis contributes to academic and managerial knowledge by providing alternative insights into CRM's influences on the customer's benefits and the firm's performance from a dyadic perspective in one single model. Particularly, the inclusion of customer value and customer satisfaction constructs as key consequences of CRM is suggested to contribute additionally to provide a more complete model of a CRM-performance relationship within the banking setting. Therefore, the framework as a diagnostic tool can be used to identify where specific improvements are needed and where certain aspects of the organizational operations could be improved in CRM for pursuing their competitive advantage and long-term profit.