<p>The thesis aims to explore the strategies or tactics which make the retail banking profit from customer relationship. Through analyzing RR (relationship revenue) and RC (relationship cost), the report gets the strategies or tactics for the profitability in customer relationship base (CRP - customer relationship profitability).Relationship is the basis for the customer between the retail banking. The stable and sound long-term relationship makes retail banking profit RR (relationship revenue) from it. And in the same time to maintain and enhance customers‘ relationship will incur RC (relationship cost). Certain of RC (relationship cost) it is compulsory if the banks try to get RR (relationship revenue) from customer relationship. The point is to find out the strategies which will make retail banking can benefit its CRP (customer relationship profitability) and still serve their customers effectively and efficiently by their limited resource simultaneously.</p>

The thesis aims to explore the strategies or tactics which make the retail banking profit from customer relationship. Through analyzing RR (relationship revenue) and RC (relationship cost), the report gets the strategies or tactics for the profitability in customer relationship base (CRP - customer relationship profitability).Relationship is the basis for the customer between the retail banking. The stable and sound long-term relationship makes retail banking profit RR (relationship revenue) from it. And in the same time to maintain and enhance customers‘ relationship will incur RC (relationship cost). Certain of RC (relationship cost) it is compulsory if the banks try to get RR (relationship revenue) from customer relationship. The point is to find out the strategies which will make retail banking can benefit its CRP (customer relationship profitability) and still serve their customers effectively and efficiently by their limited resource simultaneously.

The marketing literature is rich in studies, but lacks strong models, on factors leading to cross-buying. Criticism of this literature lies in the focus on relationship depth and length rather than breadth. Most importantly, the majority of the previous relevant Studies have only implied the relationship between potential factors and cross-buying: there have been few established links confirmed by research data.

The Master’s Graduation Paper explores problems and perspective solutions of retail banking market. Referring to theoretical and practical works the beginning and development of retail banking as well as particularity and peculiarity of retail services are analyzed. A survey of retail banking services demand was carried out and problems which costumers face as well as possible solutions of market development were defined. There was made a review and analysis of retail banking services as well as evaluation of their development and expansion perspective on the ground of a particular bank.

Customer retention plays a pivotal role in contributing to the profitability of retail banks. Within this extremely competitive market it necessitates retails banks to follow a structured, data-driven approach to identify “at risk” customers and to launch proactive retention campaigns based on identified drivers of customer attrition. The following main drivers of customer attrition were identified in the retail bank:  Attrition decrease as Vertical Sales Index increase.  Attrition is lower where customers receive their salary in a BANKXX account.  Attrition decreases as duration increases.  Black and Coloured have a higher attrition rate than White and Asian. A literature review was conducted to identify the possible independent variables of customer retention and the concept of the profitable customer was addressed throughout proposed conceptual model was developed, signifying the best fit to identify drivers of customer retention in the retail bank. The analytical tool, SAS was used for data collection and statistical analyses of the data. This high-performance analytics assisted in providing the retail bank with valuable insight into how to successfully manage risk, retain profitable customers, improve operational efficiency and differentiate them in the marketplace for competitive advantage. / Thesis (MBA)--North-West University, Potchefstroom Campus, 2013.

Customer retention plays a pivotal role in contributing to the profitability of retail banks. Within this extremely competitive market it necessitates retails banks to follow a structured, data-driven approach to identify “at risk” customers and to launch proactive retention campaigns based on identified drivers of customer attrition. The following main drivers of customer attrition were identified in the retail bank:  Attrition decrease as Vertical Sales Index increase.  Attrition is lower where customers receive their salary in a BANKXX account.  Attrition decreases as duration increases.  Black and Coloured have a higher attrition rate than White and Asian. A literature review was conducted to identify the possible independent variables of customer retention and the concept of the profitable customer was addressed throughout proposed conceptual model was developed, signifying the best fit to identify drivers of customer retention in the retail bank. The analytical tool, SAS was used for data collection and statistical analyses of the data. This high-performance analytics assisted in providing the retail bank with valuable insight into how to successfully manage risk, retain profitable customers, improve operational efficiency and differentiate them in the marketplace for competitive advantage. / Thesis (MBA)--North-West University, Potchefstroom Campus, 2013.

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The South African business environment is challenged by the increasing prevalence of HIV/AIDS amongst people that constitutes the market place. While all organisations will feel the impact, consumer oriented businesses are directly and more immediately affected. The key driver for growth in the retail-banking sector is the increase in transactional volume underpinned by a growing customer base.The study examined perceptions amongst senior managers in retail-banking business units at the four major banks. A different, but similar, set of questions was posed to professional service providers that had a good knowledge of retail banking. The responses to the questionnaires were analysed to extract the understanding of the extent and nature of the impact of HIV/AIDS on the retail banking market as well as to identify the differences in perceptions with respect to the Home Loans, Credit Card and Asset Finance business units.There was unanimous belief that HIV/AIDS will impact on retail banking. There was a perception that the Home Loan business unit was likely to be most impacted with the Asset Finance business unit being least affected. It was felt that payment defaulting resulting from an increased healthcare cost in households with HIV positive individuals will first affect Credit Cards, then Asset Finance and lastly Home Loans as people are not likely to give up the roof over their heads. / Dissertation (MBA)--University of Pretoria, 2010. / Gordon Institute of Business Science (GIBS) / unrestricted

Paper analyse retail banking fees in Czech Republic. It depicts bank methods of pricing retail banking fees and selected fees are compared across the market. Competition at similar foreign markets is shortly analysed as comparison tool. Testing the demand side of this market surprisingly revealed that the lack of competition between retail banks is not the main reason of low pressure on retail banking fees decrease. The same testing shows the significant passivity of customers as main cause.

The main inquiry for this research is to identify the reasons that contribute to customer switching intention decisions. In addressing this enquiry, two theories - the theory of migration and theory of planned behaviour - were identified as the theoretical framework underpinning the study. Two main objectives of the study were (i) to identify the push-pull and mooring factors and (ii) to measure the relationship between the push-pull and mooring factors towards switching intention. The investigation focused on the impact of with push-pull-mooring factors on switching intention. Early research into switching behaviour studies focused largely on variables that contribute to the switching intention decision, mainly due to the critical incidents encountered by customers that push them from their origin or pull them to another destination or mooring factors that might inhibit or mitigate their switching decision. In view of this, a combination of push-pull and mooring variables were used to measure the switching intention behaviour. A multiple method approach was used to study the issues in two different stages. In the first stage qualitative data collection was used to support and confirm the identification of factors from the literature. For the main quantitative methods, using a hypothetical deductive testing approach, this study (N=2018) used survey data collected via a self-administered, voluntary online survey, to develop switching intention behaviour model. The results indicated that situational factors, positive attachments, perceived switching benefits, positive attitudes towards switching and positive beliefs of others towards switching emerged as consistent push factor while availability of alternatives emerged as the pull factors. Interestingly poor pricing, poor service incidents, positive ability to switch and switching barriers were not supported in this study indicating that there is no relationship between poor pricing, poor service incidents, positive ability to switch and switching barriers towards switching intention.