Preferencje help
Widoczny [Schowaj] Abstrakt
Liczba wyników
2018 | t. 19, z. 2, cz. 2 Handel zagraniczny i międzynarodowa polityka gospodarcza | 305--315
Tytuł artykułu

Individual Customers Towards Technological Changes in the Financial Sector in German Speaking Countries: an Empirical Study

Treść / Zawartość
Warianty tytułu
Języki publikacji
Nowadays the widespread use of free-of-charge information and communication technologies (ICT) make some products more accessible in the financial sector. Thus, current and prospective customers are given new tools to share information and to rate financial offers. However, there are noticeable differences in how consumers adapt to ICT. The main aim of the paper is to indicate changes in customer preferences with regard to the aforementioned sector of the economy. The study emphasizes the major advantages and disadvantages of traditional and modern tools, as perceived by clients. The centerpiece of the article is based on the authors' empirical research focused on some new challenges faced by financial institutions, which occur in a dynamic market environment. The survey draws on a sample of 4034 bank customers. While transparency and loyalty are still recognized by clients as the major attributes of banks, the paper shows that present clients become much more critical and demanding. They prefer a customized offer. (original abstract)
  • University of Gdansk, Poland
  • YES investmedia GmbH
  • Akroush M., Al-Debei M. (2015), An integrated model of factors affecting consumer attitudes towards online shopping, "Business Process Management Journal", Vol. 6, No. 21.
  • AssCompact (2015), Die Folgen der Digitalisierung für Banken und ihre Kunden, [online], access date: 18th September 2017.
  • Bain & Company (2012), Globale Bain-Studie zur Digitalisierung im Finanzsektor, [online], access date: 19th September 2017.
  • Bondos I., Lipowski M. (2016), Challenges for service providers under the transformation multi-channeling into omnichanneling, "Information Systems in Management" Vol. 4, No. 5.
  • Buggisch Ch. (2016), Social Media - Nutzerzahlen in Deutschland 2016, [online], access date: 18th September 2017.
  • Dose D. (2016), Digitalisierung: Banken sollen mehr in sich gehen, [online] https:// digitalisierung-finanzdienstleistung/23399/, access date: 4th October 2016.
  • (2016), Vorteile und Nachteile der beiden Bankmodellen, [online], access date: 20th September 2017.
  • Drummer D., Jerenz A., Siebelt P., Thaten M. (2016), FinTech - Herausforderung und Chance. Wie die Digitalisierung den Finanzsektor verändert, McKinsey & Company Report, [online], access date: 2nd October 2017.
  • EY Report (2014), Winning through customer experience - Global Consumer Banking 2014, [online], access date: 2nd October 2017.
  • Helios A. (2016), Banken: drei Studien beleuchten Stand der Digitalisierung, [online],/ access date: 14th September 2017.
  • Liehr H., Iglesias D., Bussma J., Eckert A. (2015), PwC Studie: Digitalisierung im deutschen Förderbankensektor, [online] banken/assets/pwc-studie-digitalisierung-foerderbanken-2015.pdf, access date: 4th October 2017.
  • Littmann S. (2014), Warum Banken in sozialen netzwerken versagen, [online] http://, access date: 15th September 2017.
  • Mazurek-Łopacińska K. (2017), The consumer in a digital society - international aspects, "Marketing i Rynek", No. 9.
  • Mills D., Wang K. et al. (2016), Distributed ledger technology in payments, clearing, and settlement, "Board of Governors of the Federal Reserve System", [online] https://, access date: 15th September 2017.
  • Niemeyer V. (2003), Virtuelle Beratung: Kundenbegleitung im elektronischen Vertrieb der Finanzdienstleister, Springer Verlag, Heidelberg.
  • Ptak S. (2017), Do the bankers dream of electronic payments?, "Harvard Business Review. Polska", special edition: Innovation. How to understand it?, June.
  • Smyczek S. (2017), Determinants of Consumers' Financial Literacy on International Markets, "Marketing i Rynek", nr 9.
  • Thiele C.L. (2016), Trends 2016. Herbstempfang der hauptverwaltung in Berlin und Brandenburg, [online], access date: 28th September 2017.
Typ dokumentu
Identyfikator YADDA

Zgłoszenie zostało wysłane

Zgłoszenie zostało wysłane

Musisz być zalogowany aby pisać komentarze.
JavaScript jest wyłączony w Twojej przeglądarce internetowej. Włącz go, a następnie odśwież stronę, aby móc w pełni z niej korzystać.