Submitted by Cristiane Oliveira (cristiane.oliveira@fgv.br) on 2013-05-13T17:59:34Z No. of bitstreams: 2 1199801043.pdf: 7672746 bytes, checksum: e97060dc0e68cfe7234142ca2d57770d (MD5) 1199801045.pdf: 14803482 bytes, checksum: 01588d3c20dfd9657349caa6366e9cb2 (MD5) / Approved for entry into archive by Suzinei Teles Garcia Garcia (suzinei.garcia@fgv.br) on 2013-05-13T18:14:36Z (GMT) No. of bitstreams: 2 1199801043.pdf: 7672746 bytes, checksum: e97060dc0e68cfe7234142ca2d57770d (MD5) 1199801045.pdf: 14803482 bytes, checksum: 01588d3c20dfd9657349caa6366e9cb2 (MD5) / Made available in DSpace on 2013-05-13T18:30:35Z (GMT). No. of bitstreams: 2 1199801043.pdf: 7672746 bytes, checksum: e97060dc0e68cfe7234142ca2d57770d (MD5) 1199801045.pdf: 14803482 bytes, checksum: 01588d3c20dfd9657349caa6366e9cb2 (MD5) Previous issue date: 1997 / The business of banking, specially that of large retail banks, is undergoing a radical change within the coming ten years. Technology, globalization, partnerships and the marketspace are some of the most important drivers of that change. Probably the marketspace is itself the major force behind that deep transformation. We dare to estimate that 2/3 of ali banking businesses (involving financiai intermediation) will be done through one or other of the marketspace devices, such as ATMs, EFTPOS, smart cards, digital TVs, PCs, pagers or the Internet. Traditional bank distribution, the large branches network, will diminish, while businesses done through the marketspace will be dominant. The winners will adopt the AAA concept: anytime, anywhere, anyway banks.Customers are changing their shopping and banking habits and the banks have a great opportunity to take advantage of that change. We see large retail banks in the future acting as leaders and controUersof business crossroads in the virtual space. Large networks of partner companies, within or outside of the financiai markets, will be providers of specialized products and services, while the large retail banks will act mainly as sellers or retailers of that specialized products and services. Brand, reliability, large customer base and strong knowledge of that customer base will be major competitive advantages for large retail banks. Following that is marketing strategy. Marketing and communication will adopt new concepts, known as cybermarketing, which is the world of interactive one-to-one marketing using electronic remote devices. The banks will have to leam completely new ways of attracting and retaining customers and businesses in the coming future. This thesis discusses ali those points by extensively reviewing bibliography, a plenty of recent events, the development of bank's distribution channels in Brazil and in the world, the effect of emerging technology and the impact that it has on large retail banks, specially under the point of view of marketing. We have raised ten major assumptions in this thesis: 1. People will increasingly utilize the marketspace to do their day-to-day shopping and banking transactions in the coming years. 2. The proportion of business will be carried in a proportion of 1/3 through regular marketplace channels and 2/3 through marketspace channels.3. Banking business is, in fact, undergoing a major change that means, probably, the beginning of a new business cycle. 4. Large retail banks will be positioned in the center of major trade crossroads by being true leaders of large networks of partner companies within and outside the financiai sector. 5. Large retail banks will assume the role of leaders of distribution channels through which will flow a significant share of world trade and financiai transactions. It is from this flow that will arise the major opportunities for revenues for banks. 6. Bank marketing will increasingly be more direct and communication with customers will be increasingly interactive in arder to improve customization of products and services sold. 7. Consumers will look for multiple options of goods and services through the marketspace but, for safety, will search for the reliability provided by strong banks. 8. Consumers will utilize the marketspace for convenience, easiness and price, essentially for day-to-day shopping and financiai transactions. 9. Despite the social differences and technological underdevelopment, Brazil will closely follow first world nations in the arisal of the marketspace 10.Brazilian bankable people will have access to the marketspace in no more than ten years. Some experts of the industry were deeply interviewed as well 129 bank's customers were interviewed through a random sampling questionnaire. Both bibliography, the interviews and the answers to the questionnaires have brought strong support to ali of our assumptions. / Trata da revolução em curso nos canais de distribuição dos grandes bancos varejistas em função dos impactos provocados pela tecnologia, pela globalização, pelas parcerias e pela formação de um novo ambiente de distribuição eletrônico, remoto e virtual denominado como marketspace. Esse novo ambiente, até o ano de 2007, deverá canalizar 2/3 dos negócios bancários que envolvam efetiva intermediação financeira. A revolução é tão importante que pode significar o início de um novo ciclo no negócio dos grandes bancos varejistas. Os impactos sobre marketing são igualmente poderosos, exigindo dos bancos uma completa revisão de sua estratégia mercadológica. Evidências foram colhidas de extensiva revisão bibliográfica, através de entrevistas em profundidade e de pesquisa amostrai com clientes bancários. Cursos de ação são sugeridos.

Submitted by ramona de luca (dl.ramona@libero.it) on 2018-03-02T14:09:34Z No. of bitstreams: 1 TESI FINAL.pdf: 1940115 bytes, checksum: 774e9e7fa6ad07457b9e53e1396ce0c8 (MD5) / Approved for entry into archive by Pamela Beltran Tonsa (pamela.tonsa@fgv.br) on 2018-03-02T14:14:22Z (GMT) No. of bitstreams: 1 TESI FINAL.pdf: 1940115 bytes, checksum: 774e9e7fa6ad07457b9e53e1396ce0c8 (MD5) / Made available in DSpace on 2018-03-02T16:52:41Z (GMT). No. of bitstreams: 1 TESI FINAL.pdf: 1940115 bytes, checksum: 774e9e7fa6ad07457b9e53e1396ce0c8 (MD5) Previous issue date: 2018-02-23 / Academic research on the effect of scent in marketing and consumer behavior have successfully demonstrated how odors improve cognitive, affective, and behavioral responses of consumers in the marketplace. Little attention has been turned to the cognitive mechanism through which scents provide information, and help individuals, and consumers, to attribute a meaning to physical, and psychological phenomena. In this dissertation, I discuss the underlying mechanism through which smell perceptions contribute to consumer decision-making, and preference formation, relying on the connection between smell, cognitive processing, and emotional paths. The dissertation is composed of three articles, which make an initial contribution to scent marketing by exploring the potential of a cognition-based approach to studies on olfaction (Article 1), empirically testing affective and semantic odor priming effects on consumer product and brand choices (Article 2), and empirically demonstrating how olfactory information added to an unscented product contribute to aesthetic preferences formation and processing style (Article 3). In particular, Article 1 consists of a systematic review of the most relevant studies on olfaction published from 1992 to 2017 and presents the current theories and approaches to the investigation of scent effects on consumer behavior, as well as introduces the opportunity of applying a cognitive-based approach to scent marketing studies. The article 2 contributes to olfactory priming literature demonstrating that the incidental exposure to an odor may non-consciously activate information which regulates consumer’s choice of products and brands. Eight experiments demonstrate that odors are primarily perceived through the dimension of their valence and that this process of odor perception and interpretation is an affective-based mechanism (i.e., affective priming) rather than associative-based (i.e., semantic priming). Article 3 explores how olfactory cues added to an unscented product (e.g., pencil) contribute to developing consumers’ aesthetic preferences for the product. I empirically test the PIA Model (Pleasure and Interest Model for Aesthetic Liking) in four experiments and demonstrated that olfactory information is processed across the two routes of heuristic and systematic processing simultaneous, whereas attribute-based information is processed primarily heuristically and then systematically. The final chapter presents the implications that a cognitive-based approach may provide to researchers, managers, and public policies makers to advance in scent marketing theory and practice. / Pesquisas acadêmicas sobre o efeito do cheiro nas áreas de marketing e de comportamento do consumidor demonstram com sucesso como os odores melhoram as respostas cognitivas, afetivas e comportamentais dos consumidores no mercado. Nesta tese discute-se o mecanismo subjacente pelo qual as percepções do cheiro contribuem para a tomada de decisão do consumidor e a formação de preferências, dependendo da conexão entre cheiro, processamento cognitivo e pistas emocionais. A tese, composta de três artigos, faz uma contribuição inicial para o marketing sensorial, explorando o potencial de uma abordagem baseada em cognição para estudos de marketing olfativo (Artigo 1), testando empiricamente os efeitos do odor priming afetivo e semântico nas escolhas dos consumidores para produtos e marcas (Artigo 2); e demonstrando empiricamente como as informações olfativas adicionadas a um produto cujo cheiro não representa um atributo central para sua avaliação, regulam a formação das preferências estéticas e o estilo de processamento (Artigo 3). O Artigo 1 consiste em uma revisão sistemática dos estudos mais relevantes sobre o olfato, apresentando as teorias e as abordagens mais utilizadas para a investigação dos efeitos do cheiro sobre o comportamento do consumidor, bem como introduz a oportunidade de aplicar uma abordagem cognitivista aos estudos de marketing olfativo. O Artigo 2 contribui para a literatura demonstrando que a exposição incidental a um odor pode ativar inconscientemente uma informação capaz de regular a escolha do consumidor de produtos e marcas. Oito experimentos demonstram que os odores são percebidos principalmente pela dimensão de sua valência (ou seja, agradável ou desagradável) e que esse processo de percepção e interpretação de um cheiro é um mecanismo afetivo (affective priming) e não associativo (semantic priming). O Artigo 3 explora como os cheiros adicionados a um produto cujo aroma não é um atributo central para sua avaliação, contribuem para o desenvolvimento das preferências estéticas dos consumidores para o produto. Quatro experimentos testam empiricamente o modelo PIA (Modelo de Prazer e Interesse), demonstrando que a informação olfativa é processada simultaneamente nas duas de processamento heurístico e sistemático, enquanto que a informação baseada em atributos é processada primeiramente de forma heurística e depois de forma sistemática. O capítulo final da tese apresenta as implicações que uma abordagem cognitiva pode fornecer aos pesquisadores, aos gestores de marketing e aos gerentes de políticas públicas para avançar na teoria e na prática de marketing olfativo.