The banking industry is constantly changing, resulting in more flexible payment methods and user-friendly services. Today's digital society attracts young people where new attitudes and behaviours are attributed. Thus, mobile banking applications are considered to be a technological development and streamlining of the bank. With this development, operational risks such as security risks may also arise. Trust is therefore of great importance for the relationship between bank customers and the bank in order to maintain customer satisfaction and customer loyalty. Previous research shows that young bank customers' confidence in mobile banking applications is influenced and connected by a number of factors. The purpose of the study is to describe and analyse the relationship between young bank customers' trust in mobile banking applications and perceived security risks. A quantitative research method is applied for this study. The method has been based on a deductive and positivistic approach based on theoretical frameworks that tests the study's six hypotheses. The empirical data that the study has applied was collected through a survey that was answered by 183 respondents. It was processed by using a univariate and bivariate analysis as well as a multiple regression analysis. The study's theoretical frame of reference introduces a number of theories with the purpose of investigating the study's background and problem discussion. An independent variable and five control variables have been developed as influential factors for young bank customers' trust in mobile banking applications. The independent variable is perception of security risks. The five control variables consist of gender, age, level of education, position and savings, all of which are related to the dependent variable trust. The results showed that there is no statistically significant relationship between young bank customers' trust in mobile banking applications in relation to gender, level of education and position. However, it was also discovered that there is a statistically significant connection between young bank customers' trust in mobile banking applications with respect to perception of security risks, age and savings. Beyond that it was also established that the older the bank customer is, the lower the customer's trust is in the mobile banking applications. / Bankbranschen förändras ständigt där allt fler flexibla betalningsmetoder och användarvänliga tjänster uppkommer. Dagens digitaliserade samhälle lockar till sig unga människor där nya attityder och beteenden attribueras. Således anses mobila bankapplikationer vara en teknologisk utveckling och effektivisering av banken. Med denna utveckling kan även operativa risker såsom säkerhetsrisker tillkomma. Förtroendet är följaktligen av stor betydelse för förhållandet mellan bankkunder och banken för att bevara kundnöjdheten och kundlojaliteten. Tidigare forskning visar att unga bankkunders förtroende för mobila bankapplikationer influeras av och uppvisar samband mellan ett flertal faktorer. Syftet med studien är att beskriva och analysera sambandet mellan unga bankkunders förtroende för mobila bankapplikationer och upplevda säkerhetsrisker. Studien tillämpar en kvantitativ forskningsmetod. Metoden baseras på en deduktiv och positivistisk ansats med utgångspunkt i teoretiska ramverk som prövar studiens sex hypoteser. Den empiriska datan har samlats in genom en enkätundersökning, som vidare besvarades av 183 respondenter. Därefter bearbetades data med hjälp av en univariat och bivariat analys samt en multipel regressionsanalys. Studiens teoretiska referensram introducerar ett flertal teorier med ändamål att utreda studiens bakgrund och problemdiskussion. En oberoende variabel och fem kontrollvariabler har framtagits som inflytelserika faktorer för unga bankkunders förtroende för mobila bankapplikationer. Den oberoende variabeln består av perception av säkerhetsrisker och de fem kontrollvariablerna utgörs av kön, ålder, utbildningsnivå, befattning och sparande, vilka alla står i relation till den beroende variabeln förtroende. Resultatet påvisar att det inte finns ett statistiskt säkerställt samband mellan unga bankkunders förtroende för mobila bankapplikationer i relation till kön, utbildningsnivå och befattning. Däremot tyder resultatet på ett statistiskt säkerställt samband mellan unga bankkunders förtroende för mobila bankapplikationer i förhållande till perception av säkerhetsrisker, ålder och sparande. Studiens resultat fastslog även att ju äldre den unga bankkunden är desto lägre förtroende erhåller kunden för de mobila bankapplikationerna.

En el ámbito digital, la calidad del servicio bancario por internet posee diferentes dimensiones que impactan directamente en la satisfacción electrónica del consumidor (e-customer satisfaction) y que este, posteriormente desarrolla una lealtad en el mismo (e-customer loyalty). El propósito de esta propuesta inicial de investigación busca conocer a profundidad sobre los conceptos anteriormente mencionados, así como rescatar aquellas teorías y aprendizajes manifestados en estudios anteriores y similares a la presente investigación. Además, el presente estudio es de tipo cuantitativo, por lo que se aplicarán encuestas a personas entre 25 y 45 años que residan en Lima Metropolitana y que hayan realizado algún trámite o transacción a través de la página web de alguna entidad bancaria. Asimismo, para el análisis de los datos obtenidos se utilizará el software SPSS AMOS. / In the digital field, online banking service quality has many dimensions that impact directly on the e-satisfaction for the customers which later on develops loyalty on the customers themselves. The objective of this first approach aims to know the concepts explained before, as well as identify theories and learnings found on previous and similar studies to this research. Additionally, this is a quantitative research, therefore surveys to 25 to 45-year-old people living in Metropolitan Lima and who had carried out any procedure or transaction through any bank web page will be applied. Finally, the results will be analyzed through the software SPSS AMOS. / Trabajo de investigación

Increasing climate awareness, the Paris Agreement urging institutions to enable the economic transition toward sustainability and the looming possibility of environmental regulations are challenges facing the banking sector today. This study however chooses to see opportunities in a changing retail banking environment, investigating what green banking products customers want their bank to provide and how the introduction of green banking product might impact customer loyalty. The research was conducted through a mixed-method approach consisting of both quantitative and qualitative elements during the time-period of January to June 2019. 504 individuals engaged in the survey conducted and their answers were both analysed through the development of a customer loyalty framework and with theoretical support from the literature gathered. The results indicated a positive attitude towards green banking products while also not showing a clear preference or desirability for a specific product. Additionally, this study found a positive relationship between the introduction of green banking products and increased customer loyalty. The study concluded that green banking products suggestively have an advantageous position in the evolving financial sector, more specifically in a number of years. / Ökande klimatmedvetenhet, Parisavtalet som uppmuntrar institutioner att möjliggöra en ekonomisk övergång till hållbarhet och hägrande möjligheter till tuffare miljöregler, är utmaningar som banksektorn står inför idag. Denna studie väljer emellertid att se möjligheter i en förändrad bankmiljö, genom att undersöka vilka gröna bankprodukter kunderna vill att deras bank ska tillhandahålla och hur införandet av gröna bank-produkter kan påverka kundlojalitet. Undersökningen genomfördes genom en mixed-method approach som bestod av både kvantitativa och kvalitativa element under perioden januarijuni 2019. 504 personer deltog i undersökningen som genomfördes och deras svar analyserades både genom utvecklingen av ett ramverk för kundlojalitet och med teoretiskt stöd från den samlade litteraturen. Resultaten indikerar en positiv inställning till gröna bankprodukter, men visar inte heller en tydlig preferens eller önskemål om en viss produkt. Dessutom fann denna studie ett positivt förhållande mellan introduktionen av gröna bankprodukter och ökad kundlojalitet. Undersökningen drog slutsatsen att gröna bankprodukter sannolikt har en fördelaktig position inom den utvecklande finanssektorn, mer specifikt inom ett antal år.

M. Tech. (Department of Business Administration, Faculty of Management Sciences), Vaal University of Technology. / Research on price, packaging and loyalty has been well documented internationally and in South Africa. Many companies have recognised that the designs of packaging and different price strategies have an effect on brand loyalty. The study examined customer perceptions of packaging and price on loyalty. A case study was used in the study. A literature study on packaging, price and loyalty was undertaken to unpack the drivers behind consumer loyalty and what makes consumers loyal to a brand. The empirical study involved assessing the relationships between visual packaging, physical packaging, price, and brand awareness on brand loyalty through a self administered questionnaire. The sample comprised 212 respondents situated in the North-West of Johannesburg. The data obtained indicated strong relationships among physical packaging, visual packaging, price and brand awareness with reference to brand loyalty. Correlation and regression analysis revealed that brand loyalty is influenced by the packaging appeal, price and brand awareness. Based on the findings, recommendations were made to assist the company in various areas of their marketing strategy in order to enhance brand loyalty: Graphics and labelling on packaging are essential aspects of brand identification in order for consumers to easily recognise a brand. The introduction of lifestyle graphics may give the company a competitive edge as this may appeal to consumers. The regression analysis indicated that consumers tend to be attracted to a brand with the aid of packaging which will allow them to carry and preserve the product. The study also revealed that consumers are not highly price sensitive i.e. consumers are not likely to buy a competitor's products due to lower prices. The results infer that, for a company to have a strong brand, the following aspects of marketing strategies need to be assessed and implemented correctly, namely brand awareness, price and packaging which may lead to brand loyalty.

Lyxvarumärken har en status att erhålla, som är en utmaning, speciellt i ett samhälle somutvecklas snabbt genom teknologi. Därmed befinner sig lyxvarumärken på en marknad medhög efterfrågan. För att kunna hålla sig väsentlig i dagens samhälle är det viktigt förlyxvarumärken att vara medveten om sina marknadsföringsstrategier. Till följd av detta harlyxvarumärken behövt omvärdera sina marknadsföringsplaner, och ett sätt somlyxvarumärken marknadsför sig idag är genom sociala medie marknadsföringsaktiviteter(SMMA). Denna studie undersöker hur SMMAs dimensioner kan bidra till en förbättradkundlojalitet för lyxvarumärken. Genom en kombination av empirisk forskning och teoretiskaperspektiv analyseras SMMAs olika dimensioner: Underhållning, Interaktion, Trendighet,Anpassning och eWOM för att kartlägga dess roll i att skapa och stärka kundens anknytningtill lyxvarumärken. För att uppnå dessa mål genomfördes en kvalitativ intervjuundersökning där respondenterdelade sina upplevelser av att följa och interagera med lyxvarumärken på sociala medier.Dessutom användes en teoretisk ram för att kontextualisera och förstå resultaten i förhållandetill befintlig forskning och teori om marknadsföring och kundlojalitet. Genom att även observera sambandet mellan SMMA och kundrespons har studien kunnatmed detalj se hur konsumenters kundlojalitet påverkas. Resultatet betonar att Underhållning,Interaktion och eWOM identifieras som de mest inflytelserika aspekterna för att skapaintresse och engagemang hos kunderna med lyxvarumärken. Dessa insikter kan vara enavgörande betydelse för utformning av effektiva marknadsföringsstrategier förlyxvarumärken. Genom att tillämpa SMMA på ett korrekt sätt kan lyxvarumärken skapapositiva upplevelser för sina kunder och därmed förbättra kundlojaliteten. / Luxury brands have a status to sustain, which is a challenge, especially in a society that develops fast with the help of technology, thus luxury brands find themselves in a market with high demand. In order for luxury brands to stay relevant in today's society, it is important for luxury brands to reflect about their marketing strategies. This leads to luxury brand shaving to be aware of their marketing plans, for example through social media and throughso-called social media marketing activities (SMMA). This study explores how the dimensions of SMMA contribute to enhanced customer loyalty for luxury brands. Through a combination of empirical research and theoretical perspectives analyze SMMA's different dimensions: Entertainment, Interaction, Trendiness, Customization and eWOM to map its role in creatingand strengthening the customer's connection to luxury brands. To achieve these objectives, a qualitative interview study was conducted where respondents shared their experiences of following and interacting with luxury brands through social media. Additionally, a theoretical framework was used to contextualize and understand the results in relation to existing research and theories on marketing and customer loyalty. By examining the relationship between SMMA and customer response, the study has been able to see in detail how consumer loyalty is impacted. The results emphasize that Entertainment, Interaction, and eWOM were identified as the most influential aspects ingeneration interest and engagement among customers with luxury brands. These insights can be crucial for developing effective marketing strategies for luxury brands. By implementing SMMA correctly, luxury brands can create positive experiences for their customers, thereby enhancing customer loyalty.

The objective of this study was to examine the role that customer loyalty and employee enthusiasm can play as a strategic objective to increase sales at MB Silicon Systems. In order to address these two factors from a strategic perspective, elements from various concepts have been used to gain a new understanding of customer loyalty, employee enthusiasm and strategy. The final goal of the study was to use the knowledge gained throughout the report to propose a management framework which can be implemented to give MB Silicon Systems a competitive advantage in its competitive industry.The literature review suggested that a strategy of customer loyalty and employee enthusiasm will result in above average financial performance. Customer loyalty and employee enthusiasm cannot be separated from each other and they are linked by leadership, the vision and core values of the organisation. It is not possible to achieve customer loyalty and employee enthusiasm without the proper formulation and execution of a strategy. Such a strategy needs to utilize core management tools like the Balanced Scorecard which will bridge the vision of the organisation with goal setting mechanisms of motivation. The Balanced Scorecard will ensure that strategic objectives of the organisation will be mapped into the Balanced Scorecard while employees will be rewarded according to achieved targets of these objectives.Surveys which were conducted with customers and employees have shown that MB Silicon Systems performs below international standards with respect to customer loyalty and that the organisation is failing with its existing strategy. The surveys have also shown that employees are demotivated. This state of demotivation results in a lack of teamwork and mistrust between employees. The lack of teamwork and mistrust is only the symptoms of organisational problems which need to be resolved by organisational redesign, implementation of management principles and healthy corporate governance. The low base of loyal customers and the demotivated state of employees is resulting in below average financial performance.A management framework was recommended that will transform a strategy of customer loyalty and employee enthusiasm by using proven management tools. Implementation of the framework will ensure a competitive advantage to MB Silicon Systems which will result in above average financial performance.

This study aims to investigate the interplay between customer attitudes toward sustainable banking practices and their decision-making processes when selecting banks, focusing on the influence of Customer Relationship Management (CRM) systems in this dynamic. The research explores how a major Swedish bank communicates its sustainability efforts through CRM strategies, shaping customer perceptions and engagement. By integrating frameworks of CRM theory, Corporate Social Responsibility (CSR) theory, and the Theory of Planned Behavior (TPB), the study seeks to bridge the gap between theoretical knowledge and practical implementation in sustainable banking. A qualitative research design was employed, utilizing semi-structured interviews with twelve customers of a major Swedish bank. These interviews provided rich, detailed data on customer perceptions, attitudes, and behaviors related to sustainability in banking. Additionally, document analysis of the bank’s annual sustainability report and CRM approaches was conducted to contrast publicized efforts with actual customer perceptions. The major findings reveal that customers prioritize sustainability in their banking decisions and expect banks to adopt and promote sustainable practices. Effective communication of sustainability initiatives through CRM systems significantly enhances customer loyalty and engagement. However, the study also highlights limitations, including the focus on a single bank and geographic region, which may restrict the generalizability of the findings. This research contributes to the theoretical understanding of how sustainability initiatives can be effectively communicated and perceived through CRM systems, enhancing customer engagement and loyalty. It underscores the importance of aligning CRM strategies with sustainability goals, providing practical insights for banks aiming to enhance their sustainability efforts. The findings support the development of more robust theories around the integration of sustainability into CRM and CSR practices, ultimately contributing to global sustainability targets.

This study investigates the customer-based brand equity of the major cellphone network service providers (Vodacom, MTN and Cell C) amongst principal estate agents registered with the Estate Agency Affairs Board in Gauteng. Secondary research covered the marketing environment of the major service providers. An extensive study of literature on branding, brand management and brand equity measurement was undertaken. An empirical study was conducted. Telephone interviews were used for initial contact and screening. An invitation to participate in the survey, with a link to a questionnaire, was e-mailed to qualified respondents. Cell C users were excluded from the quantitative analysis. There were several significant findings: Vodacom and MTN users are alike in terms of personal and estate agency-related demographics. With the exception of age and gender, the sample fits the stated descriptors of individuals in the LSM seven to LSM ten groups. Cronbach‘s alpha coefficient confirmed a high level of reliability (0.870) for the summated measurement scale developed as an indicator variable of customer-based brand equity and Vodacom and MTN‘s rating on the summated scale did not differ at a statistically significant level. The service provider used proved to be an important driver of loyalty, but overall satisfaction with the cellphone service does not differ statistically significantly between Vodacom and MTN users. Vodacom has established a much more favourable positioning on the brand association statements evaluated. Factor analysis identified five brand association dimensions that should be considered for measurement of brand associations. Multiple regression analysis identified the brand as a product dimension as the best predictor of customer-based brand equity. Vodacom received more favourable brand performance ratings than MTN. Factor analysis identified six brand performance dimensions that should be considered for inclusion when measuring brand performance. Multiple regression analysis identified the easy to use and one-stop-service dimensions as the best predictors of customer-based brand equity. The customer-based brand equity of the user group is moderate (16 out of 25, or 64%). / Business Management / D. Com. (Business Management)

本研究以日本UMPC超級行動電腦品牌KJS為例，探討「消費者購買動機」、「品牌形象」與「顧客滿意度」、「顧客忠誠度」間之關係及影響因素，以期提供小型可攜式電腦產業及UMPC品牌業者行銷策略與品牌發展之參考。 本研究採問卷調查與深度訪談方式進行研究，問卷調查方面，共取得267份有效問卷，並運用敘述性統計、t檢定、單因子變異數分析（one-way ANOVA）、相關分析與迴歸分析，將資料進行統計分析及獲得假設驗證；深度訪談方面，共進行兩次的深度訪談，藉由訪談專業人士，探索個案品牌行銷策略與產品規劃。 研究結果得知，消費者對個案品牌產品之滿意度，受人口統計變項中之性別、年齡、教育程度及擁有可攜電腦數量等變項之影響；而消費者對個案品牌產品之忠誠度，不受人口統計變項的影響。此外，消費者對個案品牌產品之滿意度，受消費者購買動機及品牌形象部分變項的影響；而消費者對個案品牌產品之忠誠度，也受消費者購買動機及品牌形象部分變項的影響。整體而言，個案品牌產品顧客滿意度之高低，會影響顧客忠誠度之高低，且呈現正相關。 針對目前個案及市場現狀，在產品方面，建議個案可再加強宣傳觸控螢幕及產品娛樂功能的開發，品牌方面則是不論從問卷資料及訪談資料中，均顯示出KJS在台灣市場擁有很好的品牌形象，因此應以此為品牌核心價值，專注於原本的利基市場，雖然可以視市場狀況延伸產品系列，然不宜投入過多資源進入低價市場，與低價小筆電作正面廝殺，而應作適當區隔。 / This research aims at discussing the relationships among purchase motivation, brand image, customer satisfaction and customer loyalty, and the influence factors of the four dimensions through a case study of UMPC-KJS brand in order to provide reference of marketing strategies and brand development for netbook and UMPC industry. This research used a questionnaire survey and in-depth interview to study. With regard to questionnaire survey, 267 valid samples were obtained by stratifies sampling. Data were analyzed by descriptive statistics, t-test, one-way ANOVA, correlation and regression analysis. Besides, through in-depth interview with two professionals in this field to explore the marketing strategies and production planning of KJS brand. According to the results of this research, the customer satisfaction could be influenced by the demographics varieties from sex, age, education level and the number that one customer has, however, the customer loyalty could not be influenced by the demographics varieties. Besides, not only customer satisfaction but customer loyalty could be influenced by part factors of purchase motivation and brand image. Finally, customer loyalty gets higher if customers are satisfied. According to the present condition of the netbook market, there are some suggestions to KJS brand. First, KJS is proposed to focus on the development of touch-screen and entertainment features. Second, since KJS has a very good brand image in Taiwan, this should be the core values of the brand and KJS should focus on this original niche market. It’s necessary to make some market segmentation from other netbook brand.

近年來電子商店已成為一種新興的零售通路，在美國有人預估未來幾年內，其市場規模將佔美國零售市場的6~8%(Rosen & Howard,2000)。這種，伴隨著Internet發展而快速成長的電子商務，逐漸的改變了人類的生活習慣，也創造了新的商業行為以及經濟模式，並成為近年來企業經營的熱門話題。 　　買賣雙方關係管理一直是企業經營之成功關鍵因素，忠誠的顧客可說是企業獲利的直接來源，多數學者認為行銷學的焦點已由過去傳統交易行銷轉移到今日注重建立並維持與顧客關係的關係行銷，這種被視為行銷新典範的關係行銷，其主要目的在提昇顧客的忠誠度及滿意度，建立良好的顧客凝聚力。 　　本文旨在精緻化Crosby, et al.(1990)所提實體環境之關係品質模式，並在原模式中納入「網路安全性」、「產品失驗(disconfirmation)」、「資產專屬性」等外生變數。企圖由交易成本(Williamson,1975)、關係品質(Crosby, et al.,1990)及科技接受模式(Davis,1989)觀點，來解釋及預測Internet消費者對電子商店關係品質（滿意度、信任）及忠誠度的心理歷程，進而建立具有理論基礎的電子商店關係品質之因果模式。 　　本研究架構包括前因變數（e.g.產品／服務品質、互動強度、網路安全性、產品失驗、資產專屬性）、中介變數（滿意度及信任）、結果變數（e.g.顧客忠誠度、未來互動）三層徑路關係。本理論架構廣納科技面（網路安全、人機介面易用性）、策略面（資產專屬性）、行銷面（互動強度）、產品面（產品失驗）、心理面（網路實用性、隱私權、信任、滿意度）等5大類影響關係品質及忠誠度之因素。 　　本研究同時採用定性及定量方法，來交互驗証結果。 　　定量部份，採隨機問卷抽樣台灣、香港、印度、大陸、美國共3231名Internet使用者的消費行為。分探索性及驗証性兩階段資料分析，前者以效度及信度來篩選量表題目，後者使用LISREL統計工具進行電子商店關係品質之結構性分析，以找出Internet關係品質（滿意度、信任）的前因及後果（e.g.顧客忠誠度、未來互動意願）。定量分析結果發現：(1)本研究B2C電子商店之關係品質模式獲得支持；(2)加強電子商店網站實用性、產品失驗、互動強度，及網路安全性，可提升關係品質；(3)網路安全防範仍是台灣電子商務發展的一項重要工作；(4)電子商店的服務品質、資產專屬性及關係滿意度，可提高顧客忠誠度以及商家的獲利；(5)關係品質的提升，可建立忠誠顧客，強化雙方未來互動。 　　定性分析方面，本研究訪談國內28家網路券商主管，輔以次級資料（網商內容分析、期刊雜誌、證交所網站等）搜集佐證，結果發現：網站服務品質愈佳、網站交易安全性及互動性愈高，不但可有效提升顧客的信任及滿意度（關係品質），且顧客忠誠也愈高。因此加強網站互動機制、網頁內容的客製化、優惠商品（手續費折扣）、及網站資產專屬性（知識專屬性、時間專屬性），都是券商套牢顧客的好方法。根據研究結果，本研究得到結論如下：(1)網路下單具有多項優勢，在台灣證券市場相當具有發展潛力。(2)網路證券由價格競爭走向商品／服務品質導向。(3)證券商品／服務走向多元化及國際化，朝網路金融服務中心發展。(4)網路券商在客製化服務方面較傳統券商可提供更佳服務。(5)網站加強核心資源的創新及累積，建立難以模仿的資產專屬性，提升顧客忠誠度。(6)網際網路是關係行銷的利器。(7)安全仍是網路證券業發展的障礙因素。 / Recently, The Electronic Store has become an up-and-coming retail channel. In America, some people estimate its market scale will hold six to eight percent of the American retail market in the oncoming years. Such kind of Electronic Commerce that increased rapidly by accompanying the development of Internet has gradually changed human living habits. In addition, Electronic Commerce has created a new commercial behavior and a new economic model. Furthermore, it has become one of the most popular issues in enterprises lately. 　　The relational management between buyers and sellers is always the key point for enterprises to run a business successfully. Loyal customers have affinitive connections for them to gain profits as well. Most of the scholars mention that the focal point on marketing has transferred from the traditional transaction in the past to relationship marketing that stresses on constructing and maintaining the good enterprise-customer relationship nowadays. The main purpose of relationship marketing regarding as novel mode for selling is to increase customer loyalties and satisfactions, and also to promote fine customer concentrations 　　For this content, the keynote is to refine the relationship quality model of physical environment, and adopt extraneous variable of net security, product disconfirmation, asset specificity that are from the original model. Additionally, we attempt to use concepts of Transaction Cost (Williamson, 1975), Relationship Quality (Crosby, et al., 1990), and TRA (Theory of Reasoned Action) (Davis, 1989) to explain and predict Internet customers'' psychological process for satisfaction, trust, and loyalty in Relationship Quality of Electronic Store, and then, to build up cause and effect pattern of Relationship Quality of Electronic Store that is provided with theoretical basis. 　　The research structure consists of three-path relations. It is including (1) Ancestor Variables (ex. products, services qualities, contact intensities, Internet securities, product disconfirmations, and asset specificities) and (2) Intervening Variables (such as satisfactions and trusts), and (3) Consequent Variables, (ex. customer loyalties, and future interactions). Meanwhile, the width of this theory focuses on six main reasons of influencing the Relationship Quality and customer loyalty, such as technologies (Internet securities, user interfaces, and eases of uses), strategies (asset specificities), marketings (contact intensities), products (product disconfirmations), psychologies (Internet usefulnesses, privacies, trusts, and satisfactions), and domestic cultures. 　　According to this research, it simultaneously adopts two ways of the Qualitative Analysis and Quantitative Analysis to verify its result. 　　For Quantitative Analysis, it takes randomly survey samples which amounts to 3,231 consumers from Taiwan, Hong Kong, India, China, and America to know the psychographics of internet users. In this part, it''s divided into two steps in information analysis. One is the Explorative, and the other one is the Confirmatory. The former one adopts validity and reliability to shift scale item; the later one uses statistic tools, called" LISREL" to carry out structural analysis in the Relationship Quality Model of Electronic Store, and confirms to find out the cause and effect (Customer loyalty and further interaction) of the Relationship Quality (Satisfaction and trust). Through the result of Quantitative Analysis, we can find out: 1) The research, called "B2C Electronic Store" the Relationship Quality Model is able to obtain the support; 2) When strengthening Electronic Store''s internet usefulness, product disconfirmation, contact intensity, and internet security, it can promote the Relationship Quality well; 3) For the development of Electronic Commerce in Taiwan, the internet security precaution still takes as a serious problem to solve; 4) Stressing on Electronic Store''s service quality, asset specificity and relationship satisfaction can increase customer loyalty and enterprise''s profit; 5) Increasing Relationship Quality can posses loyal customer, and further enhance bilateral future interaction. 　　For the Qualitative Analysis, we interview 28 on-line broker firms in Taiwan, and collect the secondary information (web content of online-broker analysis, periodical magazine, and stock exchange website), as a result, we find out that the better the website''s service quality, the greater transition security and interaction. For this research, it can not only effectively increase the customer trust and satisfaction (the relationship quality), but also build up the high customer loyalty. Hence, it is a good way for brokers to underpin the amounts of customers by uplifting the website interactive mechanism, customized website contents, off-price merchandize (fee discounts), website asset specificities (knowledge and time specificity). Base on the result in this research, we conclude that: (1) An order from the website has varieties of advantages, so it''s equipped the capability of development in Taiwan stock market; (2) Website bond has moved toward merchandize or service quality instead of price competition; (3) Bond merchandize and service has become diversified and global pattern, and it faces toward the Service Center of Online-banking form; (4) Due to the customized service, current online-broker can provide better service than traditional one; (5) For the invention of strengthening core resource, it can have their own asset specificity that is hard to imitate, and promote customer loyalty; (6) Internet is a good toll for the Relationship Marketing; (7) Security is still the main obstacle for the internet stock market development.