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Predicting Retail Banking Consumer Behaviour Using Statistics / Predviđanje Ponašanja Fizičkih Lica Kao Korisnika Usluga U Bankarskom Sektoru Na Osnovu Statistike

Author

Listed:
  • Agaliotis Konstantinos

    (Alpha Bank ad, Belgrade, Member of EB 11 Kralja Milana Street, Belgrade, Serbia)

  • Hadžić Miroljub

    (Singidunum University, Faculty of Business 32 Danijelova Street, Belgrade, Serbia)

Abstract

Cilj bilo koje ekonomske aktivnost, a naročito finansijske, jeste stvaranje potreba. Kako finansijske aktivnosti nisu izuzetak tome, primarni cilj bilo koje finansijske institucije jeste razumevanje i zadovoljavanje potreba klijenata. Veoma je važno da finansijske ustanove budu upoznate sa detaljima vezanim za ponašanje klijenata i procesima koji utiču na klijente pri donošenju odluke. Na taj način će se zadovoljiti ne samo potrebe klijenata, već i pridobiti lojalnost klijenata, i uspostaviti dobri dugoročni odnosi sa njima. Kao i svaki drugi, odnos između klijenta i banke trebalo bi da bude zasnovan na uzajamnoj podršci i razumevanju. Imajući u vidu bankarsko tržište za fizička lica (retail market) u Srbiji, mogu se izvesti sledeći zaključci: prvo, da i dalje postoji veliki potencijal za poslovanje u ovom domenu; drugo, da je određeni deo klijenata voljan da prihvati nove proizvode, i treće, da banke moraju da obrate posebnu pažnju na klijente sa najvećom kreditnom sposobnošću. Što se tiče odnosa klijenata prema različitim ponudama proizvoda, možemo zaključiti da korisnici gotovinskih kredita i korisnici kreditnih kartica nisu cenovno osetljivi, te da stoga postojeći korisnici teže povećanju svoje kreditne izloženosti (zaduženosti).

Suggested Citation

  • Agaliotis Konstantinos & Hadžić Miroljub, 2015. "Predicting Retail Banking Consumer Behaviour Using Statistics / Predviđanje Ponašanja Fizičkih Lica Kao Korisnika Usluga U Bankarskom Sektoru Na Osnovu Statistike," The European Journal of Applied Economics, Sciendo, vol. 12(1), pages 43-51, April.
    • Handle: RePEc:vrs:tejoae:v:12:y:2015:i:1:p:43-51:n:2
    DOI: 10.5937/ejae12-7916
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