This thesis stems from my research into the broad area of (credit) scoring and the predicting, understanding and explaining of consumer behaviour. This research started at the Univers1ty of Edinburgh on an ESRC funded project in 1988. This work, which is being submitted as the partial fulfilment of the requirements for the award of Doctor of Philosophy of Loughborough Unvers1ty, consists of an introductory chapter and a selection of papers published 1991 - 2001 (inclusive). The papers address some of the key issues and areas of interest and concern arising from the rapidly evolving and expanding credit (card) market and the highly competitive nature of the credit industry. These features were particularly evident during the late 1980's and throughout the 90's Chapter One provides a general background to the research and outlines some of the key (practical) issues involved in building a (credit) scorecard Additionally, it provides a brief summary of each of the research papers appearing in full in Chapters 2- 9 (inclusive) and ends with some general limitations and conclusions. The research papers appearing in Chapters 2-9 inclusive) are all concerned with predicting, understanding and explaining different types of consumer behaviour in relation to the use of credit cards. For example discriminating between 'GOOD' and 'BAD' repayers of credit card debt on the basis of different definitions of good and bad, the identification of 'slow payers' using different statistical methods; examining the characteristics of credit card users and non-users, and identifying the characteristics of credit card holders most likely to return their credit card.

Thesis (Ph.D.) -- University of Western Sydney, 2002. / Thesis submitted in fulfilment of the requirements for the degree of Doctor of Philosophy, School of Communication, Design and Media, University of Western Sydney, February, 2002. Bibliography : leaves [306]-324.

Thesis (M.Eng.). / Written for the Dept. of Electrical and Computer Engineering. Title from title page of PDF (viewed 2008/05/13). Includes bibliographical references.

Thesis (Ph. D.)--Texas State University--San Marcos, 2008. / Vita. Appendices: leaves 145-174. Includes bibliographical references (leaves 175-184). Also available on microfilm.

Thesis (M.Ed.)--Kutztown State College, 1964. / Source: Masters Abstracts International, Volume: 45-06, page: 2770. Typescript. Includes bibliographical references (leaves [55]-56)

ID-theft survival kit -- Book From victim to victor -- ID theft FAQ -- Audiocassettes -- Identity theft resources -- Testimonials -- ID theft action letters -- About the author -- Media appearances -- Identity theft laws -- Theft Deterrence Act. / Title from opening screen, December 28, 1999.

Thesis (Ph. D.)--Oregon State University, 2007. / Printout. Includes bibliographical references (leaves 153-161). Also available on the World Wide Web.

Thesis (Ph. D.)--Dept. of Economics. University of Missouri--Kansas City, 2005. / "A dissertation in economics and social science consortium." Advisor: James I. Sturgeon. Typescript. Vita. Title from "catalog record" of the print edition Description based on contents viewed June 26, 2006. Includes bibliographical references (leaves 149-161 ). Online version of the print edition.

O marketing de relacionamento surge na década de 1980, estimulado pela crescente concorrência, estagnação do crescimento dos mercados e desenvolvimento tecnológico. As ações de marketing de relacionamento visam estreitar a ligação entre empresa e cliente, estimulando a fidelidade do cliente e buscando a rentabilidade a partir de uma série de negociações com o mesmo cliente ao longo de tempo. Os investimentos em marketing de relacionamento só podem ser justificados caso a empresa conquiste seus objetivos e se aproprie de benefícios que essas ações podem trazer. A avaliação de resultados é, portanto, ferramenta fundamental, mas não existe hoje, um método consolidado de avaliação de resultados de ações do marketing de relacionamento. Nesse contexto, este estudo enfoca a avaliação de resultado do marketing de relacionamento, voltando-se para o relacionamento das empresas com o cliente final. O tema é tratado com base em uma revisão teórica que trabalha três principais blocos: i) valor percebido e vantagem competitiva; ii) marketing de relacionamento, seu conceito, benefícios esperados de ações de relacionamento e as práticas trabalhadas; iii) avaliação de resultados e controle. É desenvolvida uma pesquisa de campo, de natureza qualitativa e caráter exploratório, utilizando o método de estudo de casos múltiplos. São trabalhadas três principais empresas de um mesmo segmento. O segmento escolhido foi o de cartões de crédito, por apresentar grande prática na aplicação do marketing de relacionamento. O trabalho é finalizado com a análise das ações do marketing de relacionamento desenvolvidas e dos métodos de avaliação de resultados aplicados. Observou-se que as ações do marketing de relacionamento desenvolvidas pelas duas empresas que possuem contato direto com o cliente final muito se assemelham e apresentam grande coincidência com o que é apontado pela literatura. Uma das bandeiras, porém, não tem contato direto com o cliente final e apresenta diferenças significativas nas ações desenvolvidas. Os métodos de avaliação de resultado nas empresas pesquisadas são bastante similares ao proposto pela teoria estudada. Os principais objetivos apontados são: a fidelização do cliente, o entendimento das necessidades dos clientes e a maior lucratividade. Já as variáveis analisadas como indicadores de resultados são: grupo de controle, fidelidade do cliente, avaliação financeira, entendimento das necessidades dos clientes, satisfação do cliente, qualidade do produto, conhecimento e imagem de marca, inconveniência de o cliente mudar de fornecedor, retenção de clientes/churn, recompra, quantidade/volume vendido, custo de aquisição de clientes, aquisição de cliente e valor vitalício do cliente. / The relationship marketing begins on 1980?, stimulated by the spreading concurrency, market growing stagnation and technological development. The relationship marketing actions have the purpose of narrowing the contact between company and client, stimulating the client fidelity and looking for rentability from a series of negotiations with the same client over time. The marketing relationship investments can only be justified if the company achieves its objectives and handle the benefits which these actions can bring. The results evaluation is, therefore, a fundamental tool, but there?s not a consolidated results evaluation method in marketing relationship actions nowadays. In this context, this study focuses in marketing relationship results evaluation, turning the attention to the relationship between company and the ultimate client. The theme is treated from a theoretical review based on three principal sections: i) customer value and competitive advantage; ii) relationship marketing, its concept, the expected benefits from relationship marketing actions, and the adopted practices; iii) result evaluations and control. A research in this field was developed from a qualitative perspective and adopting an exploring character, by using the multiple case study method. Three principal companies that are part of the same segment are analyzed. The chosen segment was the credit cards one, because of its well-known practice on relationship marketing application characteristic. The job ends with the analysis on both the developed relationship marketing actions and on the applied results evaluation methods. It was noticed that the relationship marketing actions developed by the two companies which have direct contact to the ultimate client are really similar and are coincident in terms of what is pointed by the literature. One of the companies, however, doesn?t have this direct contact to the ultimate client and its actions contain significant differences. The results evaluation methods placed at the companies involved on this research are really similar to the indicated on the commented theory. The principal viewed objectives are: the client fidelity, the understanding on client needs and the major profitability. On the other hand, the variants analyzed as result indicators are: controlling group, client fidelity, financial evaluation, understanding on client needs, client satisfaction, products quality, brand image and knowledge, clients supplier changing inconvenience, keeping clients/churn, repurchase, sold volumes and quantity, clients acquisition cost, client acquisition and customer lifetime value.

Orientador: Orlando Fontes Lima Júnior / Dissertação (mestrado) - Universidade Estadual de Campinas, Faculdade de Engenharia Civil, Arquitetura e Urbanismo / Made available in DSpace on 2018-08-22T13:18:24Z (GMT). No. of bitstreams: 1 Zancheta_TatianaVitaldeCastroAraujo_M.pdf: 1873210 bytes, checksum: 7ce5975c7cd41a540de06b96b60d6e41 (MD5) Previous issue date: 2013 / Resumo: O objetivo deste trabalho é de estudar comparativamente as redes de transportes de pagamentos por cartão eletrônico em três redes de abastecimento em meios eletrônicos de pagamento: no Brasil, na Inglaterra e nos Estados Unidos da América. Os casos Brasileiro, Britânico e Americano foram selecionados por claramente configurarem diferentes níveis de maturidade de compartilhamento das vias de transporte, chamado no setor por Interoperabilidade. O meio de pagamento via cartão de crédito, débito e "charge" revolucionaram o modelo de pagamento por produtos e serviços. No modelo econômico moderno é raro encontrar alguma loja que não aceite cartões como meios de pagamento. Outra revolução comportamental resultante do meio de pagamento por cartão é caracterizada pela diferença na sincronia entre o pagamento por produtos e serviços e a quitação dos mesmos débitos. Nesse contexto o desenvolvimento de meios eletrônicos de pagamentos alterou tanto a procura como a oferta de produtos e serviços na medida em que, entre outras características, possibilita que as pessoas tomem mais créditos pelo encorajamento de financiar suas despesas no tempo. Usualmente na literatura este assunto é tratado através de uma base econômica, sob a perspectiva de segurança na transferência de dados e infraestrutura física de tecnologia de informação. No entanto, os padrões de serviço de oferta e a demanda por meio eletrônico de pagamento são influenciados pelo comportamento dos seus clientes, pela maturidade do mercado em que estão inseridos e por questões de regulação governamental. Valendo-se do método de estudos de casos prospectivos para analisar os fluxos de transportes de pagamento por cartão eletrônico este estudo busca analisar as mudanças nos padrões de oferta e demanda do serviço, provocado pela alteração na regulamentação do setor que se abriu para modelo concorrencial em 2010. Através do desenvolvimento de conteúdo teórico a prático sobre transporte de pagamentos por cartão eletrônico esta dissertação busca contribuir para um maior entendimento das cadeias logísticas sob as perspectivas de abastecimento logístico e de oferta e demanda de serviços / Abstract: The aim of this work is to study the transport flows of electronic payments by card in three supply networks in electronic means of payment: in Brazil, England and the United States of America. The Brazilian, British and American cases were selected by clearly configure different levels of maturity of sharing of transport flows, called in the industry for interoperability. The means of payment via credit card, debit, and "charge" revolutionized the model of payment for products and services. In modern economic model is rare to find a shop that does not accept cards as means of payment. Other behavioral revolution resulting from the means of payment by card is characterized by difference in synchrony between the payment for products and services and the discharge of the same charges. In this context, the development of electronic payments has changed both the demand and supply of products and services to the extent that, among other characteristics, enables people to take more credits by encouragement to finance its expenditure in time. Usually in literature this subject is dealt with by means of an economic base, from the perspective of security of data transfer and physical infrastructure of information technology. However, the Standards of service provision and the demand for electronic means of payment are influenced by the behavior of their customers, for the maturity of the market in which they are inserted and by issues of government regulation. Using the method of studies of prospective cases to analyze the transport flows of payment by e-card this study seeks to analyze the changes in the patterns of supply and demand for the service, caused by the change in the regulation of the sector that has opened to competition model in 2010. Through the development of theoretical content to practical on transport of payments by e-card this dissertation aims to contribute to a greater understanding of the logistics chains under the prospects of supply logistics and supply and demand for services / Mestrado / Transportes / Mestra em Engenharia Civil