Search results for "rahoituspalvelut"
showing 6 items of 6 documents
Yritysrahoituksen neuvontapalveluiden laatu
2014
Tämä maaseutuyritysten rahoitusneuvonnan palveluiden laadun arviointi pe- rustuu Keski-Suomen elinkeino-, liikenne- ja ympäristökeskuksen (ELY) toi- meksiantoon. Arviointi on kohdennettu Manner-Suomen kehittämisohjelmasta vuosina 2007–2013 rahoitusta saaneisiin yritysasiakkaisiin. Arvioinnin näkökulmana on yritysasiakkaan kokema laatu. Arvioinnissa on olennaista se mihin maaseutuyritysten rahoitusneuvonnan palveluiden laadun kehittämisellä pyritään. Yritystuet eivät saisi liikaa ohjata maaseutuyritysten rahoitusneuvontaa vaan painopiste pitäisi olla maaseutuyritysten kasvun ja kehittymisen tavoitteiden edistämisessä ja niitä tukevassa ratkaisukeskeisessä asiakasneuvonnassa, mitkä ovat maase…
How emotions are considered crucial on an omnichannel banking environment in gaining customer loyalty
2018
Emotions have been studied in a marketing context for years. However, the rapid change of digital channels and customers’ omnichannel behavior emphasize the need to further investigate how emotions are considered to play role in customer satisfaction and through that to customer loyalty. Purpose of this chapter is to study emotions in omnichannel environment, and their contribution to customer loyalty, especially in the context of retail banking. peerReviewed
The development of mobile banking services in a large Finnish financial organization
2018
The chapter, based on an ongoing qualitative study, provides answers to the following questions: what are the case organizations’ rationales in developing mobile banking services? how are customer perspectives considered in developing them? and what are the implications of digitalization and m-banking for the bank and the client? Based on the findings, m-banking is seen to allow ubiquitous availability and efficiency of service provision, offering a sound rationale for their development. The flipside is that digital and m-banking services dilute the human interaction, which challenges the rationale of improving the customer experience. The service development follows the software industry m…
Mobile financial services : Introduction, definition, and conceptualization
2019
Incumbent business models in banking and payment are continuously challenged by new competition and evolving consumer expectations as banking and payment landscape have increasingly moved digital and mobile. Mobile financial services (MFS) and related technologies encompass a broad range of digital (including mobile) devices, channels, and financial transactions that consumers execute on their mobile phones or tablets. This chapter conceptualizes the term ‘MFS’ and investigates what constitutes the field of MFS. The chapter seeks to answer the following research questions: What is the mobile financial services landscape? What are MFS and how they have been conceptualized in the marketing an…
How is the use of mobile money services transforming lives in Ghana?
2018
Mobile money (MM) is considered a revolutionary phenomenon in the developing world and relies on basic mobile handsets capable of voice and SMS or text. This chapter assesses the potential of mobile phones as a delivery mechanism for financial services in Ghana. Based on the sample of 595 responses collected during the months of September and October, 2016, we investigated various consequences that influence the consumer decision-making process and continuous usage within the mainstream MM or micro-financial services. In total, six hypotheses were developed and tested. The results provided support for all the hypotheses. The key takeaway from this chapter is that MM service agent credibilit…
Factors influencing mobile banking continuous use in Sub-Sahara Africa : A study of mobile banking users in Nigeria
2019
The ubiquitous diffusion of information and communications technology is fundamentally impacting several sectors. In the financial services sub-sector, the convenience and speed that mobile banking (m-banking) applications offer users have made it one of the most popular applications in use. However, the growth trajectory of the application is questionably different as it has continually seen a decline in the Nigerian market. The aim of this study is therefore to examine the factors influencing m-banking continuous use in an emerging market context by using a hybrid of unified theory of acceptance and use of technology (UTAUT2), uses and gratification, and privacy theories. Survey data were…