Increasing competition and changing customer behavior in the German financial services sector

Name: Increasing competition and changing customer behavior in the German financial services sector
Author: Thaidigsmann, Ulrich
ISBN: 9783838699233

Thaidigsmann, Ulrich

Language: English

Published by GRIN Verlag|diplom.de, 2006

3838699238 / 9783838699233

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Dieser Artikel ist ein Print on Demand Artikel und wird nach Ihrer Bestellung fuer Sie gedruckt. Master s Thesis from the year 2006 in the subject Business economics - Investment and Finance, grade: 1,0, University of Applied Sciences Ludwigshafen (MBA-Studiengang International Management Consulting, International Management Consulting (IMC)), language.

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Title: Increasing competition and changing customer behavior in the German financial services sector
Author: Thaidigsmann, Ulrich
Publisher: GRIN Verlag|diplom.de
Publication year: 2006
Condition: New
Binding: Kartoniert / Broschiert
Language: English
ISBN 10: 3838699238
ISBN 13: 9783838699233
Dimensions: 1 x 21 x 14.8
Seller catalogs: Sozialwissenschaften/Recht/Wirtschaft

Inhaltsangabe:Abstract: Within the last few years, dramatic changes took and still take place in the retail banking business. On the supply-side competition for cooperative banks is increasing due to various reasons. New competitors with different business models have entered the market. There is no doubt that they pose a serious threat to cooperative universal banks (which were the focus of this dissertation) and whose market share is declining constantly. Furthermore, non-banks and near-banks have to be considered in this respect, too, as these entities' business models are increasingly targeting customers of universal banks. On the demand side, changing customer behavior has accelerated transformation processes in recent years. An increased willingness to change suppliers can be noticed as consumers are placing more and more importance on price. A strong price awareness is changing market conditions in many business sectors in Germany. Decreasing customer loyalty forces universal banks to push sales activities and to intensify their personal relationship with the customer. The main objectives of this dissertation are the following: Work out a strategy within todays typical structure as a universal bank. Identify key success factors and evaluate this strategy for its chances for success. Derive the consequences for the future business model of a cooperative bank. Determine the change steps necessary to strengthen the competitiveness. Furthermore, the prerequisites of such a change process will have to be worked out. An inductive approach was chosen to achieve the aims of this thesis (Gill & Johnson). Firstly, an in-depth analysis of existing literature was carried out in order to gain an overview on current developments such as a) customer behaviour, and b) the competitive situation of the financial services sector. The results were to produce not only an explanation for current trends but also allow the prediction of future trends over the course of t

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