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Customer-perceived value of e-financial services: a means-end approach

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  • Tommi Laukkanen

Abstract

The financial services sector has recently undergone changes unprecedented in its history. Understanding customers' needs and values has become more important for financial institutions than ever before, not only due to the changing environment but also because of changed customer behaviour. This study explores the customer-perceived value of two e-financial services, namely electronic fund transfer service and internet brokerage service. This is done by using a means-end approach. It is a qualitative in-depth interviewing method that is used for explaining how product or service attributes facilitate consumers' achievement of desired end-states of being. The results indicate how different electronic services create value for customers in service consumption. The findings provide banking executives with a better understanding of what kind of value customers perceive in the consumption of different e-financial services. The results indicate similarities and differences in the customer-perceived value between the services explored.

Suggested Citation

  • Tommi Laukkanen, 2006. "Customer-perceived value of e-financial services: a means-end approach," International Journal of Electronic Finance, Inderscience Enterprises Ltd, vol. 1(1), pages 5-17.
    • Handle: RePEc:ids:ijelfi:v:1:y:2006:i:1:p:5-17
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    Citations

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    Cited by:

    1. Klanac, NataĊĦa Golik, 2013. "An integrated approach to customer value: A comprehensive-practical approach," jbm - Journal of Business Market Management, Free University Berlin, Marketing Department, vol. 6(1), pages 22-37.
    2. Oyedele, Adesegun & Simpson, Penny M., 2018. "Streaming apps: What consumers value," Journal of Retailing and Consumer Services, Elsevier, vol. 41(C), pages 296-304.
    3. Souheila Kaabachi & Selima Ben Mrad & Tais Barreto, 2022. "Reshaping the bank experience for GEN Z in France," Journal of Marketing Analytics, Palgrave Macmillan, vol. 10(3), pages 219-231, September.

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