Statistical relationship of customer behavioral characteristics in personal banking
- Authors: Rasuba, Maanda
- Date: 2009
- Subjects: Customer relations -- South Africa -- Management , Consumer behavior -- South Africa , Banks and banking -- Customer services -- South Africa
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:10566 , http://hdl.handle.net/10948/1165 , Customer relations -- South Africa -- Management , Consumer behavior -- South Africa , Banks and banking -- Customer services -- South Africa
- Description: This study investigates the relationship of bank customers’ behavioural patterns based on the customers past transactions, with respect to their profile characteristics. The main aim of this study is to illustrate that different categories of customers (based on demographical variables such as race, gender and age) have statistically significant differences in behaviour, with respect to how they operate their accounts. A theoretical overview on the literature of customer relationship management in the banking sector emphasises the importance of understanding customers to ensure that a business is successful. Four null-hypotheses where formulated based on a general research hypothesis. The data base provided a major South African bank is used to achieve the objectives. Extensive cleaning of the data set was necessary to ensure the validity of the results. The data set had 7860 customer keys. The large data base used contributed to the reliability of the results. The following behavioural variables were used in the study namely, transaction data, average debit and credit transaction amounts and average number of transactions per month. The main results of study indicate that different customer categories have statistically significant differences in behaviour, with respect to how customers operate their accounts. This implies that it is important for the banking sector to consider customer gender differences, age differences and race group differences in the relationship strategies which they employ in their multicultural environment. Further research in the area may be necessary before generalisation can be made on all banking customers.
- Full Text:
- Date Issued: 2009
- Authors: Rasuba, Maanda
- Date: 2009
- Subjects: Customer relations -- South Africa -- Management , Consumer behavior -- South Africa , Banks and banking -- Customer services -- South Africa
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:10566 , http://hdl.handle.net/10948/1165 , Customer relations -- South Africa -- Management , Consumer behavior -- South Africa , Banks and banking -- Customer services -- South Africa
- Description: This study investigates the relationship of bank customers’ behavioural patterns based on the customers past transactions, with respect to their profile characteristics. The main aim of this study is to illustrate that different categories of customers (based on demographical variables such as race, gender and age) have statistically significant differences in behaviour, with respect to how they operate their accounts. A theoretical overview on the literature of customer relationship management in the banking sector emphasises the importance of understanding customers to ensure that a business is successful. Four null-hypotheses where formulated based on a general research hypothesis. The data base provided a major South African bank is used to achieve the objectives. Extensive cleaning of the data set was necessary to ensure the validity of the results. The data set had 7860 customer keys. The large data base used contributed to the reliability of the results. The following behavioural variables were used in the study namely, transaction data, average debit and credit transaction amounts and average number of transactions per month. The main results of study indicate that different customer categories have statistically significant differences in behaviour, with respect to how customers operate their accounts. This implies that it is important for the banking sector to consider customer gender differences, age differences and race group differences in the relationship strategies which they employ in their multicultural environment. Further research in the area may be necessary before generalisation can be made on all banking customers.
- Full Text:
- Date Issued: 2009
Customer profiling using a service-orientated architecture
- Authors: Ntawanga, Felix
- Date: 2010
- Subjects: Consumer profiling -- South Africa , Consumer behavior -- South Africa , Service-oriented architecture (Computer science) , Electronic commerce -- South Africa -- Computer programs
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:10464 , http://hdl.handle.net/10948/1146 , Consumer profiling -- South Africa , Consumer behavior -- South Africa , Service-oriented architecture (Computer science) , Electronic commerce -- South Africa -- Computer programs
- Description: Customer profiling has recently gained much recognition in the e-commerce domain because of the benefits it is capable of bringing to online business. Customer profiling has been implemented in various systems development approaches such as in a client-server environment. Recently there has been an increase in the number of organisations adopting and implementing e-commerce systems using service-oriented architecture (SOA) principles. This research set out to determine how a customer profile can be implemented using open source SOA implementation tools, and how SOA-based customer profiles can be utilised to provide appropriate personalisation in an SOA environment. The research further endeavoured to complete a comparative study on customer profile implementation in two different architectures, namely SOA and client-server. An extensive literature review was conducted on SOA, customer profiling and e-commerce systems development. SOA enabling technologies, such as, web services, enterprise service bus (ESB) and open source Sun Java SOA implementation tools, for example, Open ESB, GlassFish application server and Netbeans IDE were analysed. A Java web services-based customer profiling system was prototyped following SOA design principles. An end-user evaluation survey was conducted using eye tracking with a sample of 30 participants. The evaluation was done on two e-commerce systems with the same interface but running on two different customer profile back-ends, SOA and client-server. The results show that participants did not experience significant difference between the two systems, however, eye tracking results showed a significant difference between the two systems. The research concluded that customer profiling using SOA offers more benefits than implementations using other architectures such as client-server. SOA component-based development proved to be easier to manage, develop, integrate and improves interoperability between different technologies. The research brought together necessary techniques and technologies that organisations can use to implement SOA. Using SOA, organisations can integrate and utilise different technologies seamlessly to achieve business goals.
- Full Text:
- Date Issued: 2010
- Authors: Ntawanga, Felix
- Date: 2010
- Subjects: Consumer profiling -- South Africa , Consumer behavior -- South Africa , Service-oriented architecture (Computer science) , Electronic commerce -- South Africa -- Computer programs
- Language: English
- Type: Thesis , Masters , MSc
- Identifier: vital:10464 , http://hdl.handle.net/10948/1146 , Consumer profiling -- South Africa , Consumer behavior -- South Africa , Service-oriented architecture (Computer science) , Electronic commerce -- South Africa -- Computer programs
- Description: Customer profiling has recently gained much recognition in the e-commerce domain because of the benefits it is capable of bringing to online business. Customer profiling has been implemented in various systems development approaches such as in a client-server environment. Recently there has been an increase in the number of organisations adopting and implementing e-commerce systems using service-oriented architecture (SOA) principles. This research set out to determine how a customer profile can be implemented using open source SOA implementation tools, and how SOA-based customer profiles can be utilised to provide appropriate personalisation in an SOA environment. The research further endeavoured to complete a comparative study on customer profile implementation in two different architectures, namely SOA and client-server. An extensive literature review was conducted on SOA, customer profiling and e-commerce systems development. SOA enabling technologies, such as, web services, enterprise service bus (ESB) and open source Sun Java SOA implementation tools, for example, Open ESB, GlassFish application server and Netbeans IDE were analysed. A Java web services-based customer profiling system was prototyped following SOA design principles. An end-user evaluation survey was conducted using eye tracking with a sample of 30 participants. The evaluation was done on two e-commerce systems with the same interface but running on two different customer profile back-ends, SOA and client-server. The results show that participants did not experience significant difference between the two systems, however, eye tracking results showed a significant difference between the two systems. The research concluded that customer profiling using SOA offers more benefits than implementations using other architectures such as client-server. SOA component-based development proved to be easier to manage, develop, integrate and improves interoperability between different technologies. The research brought together necessary techniques and technologies that organisations can use to implement SOA. Using SOA, organisations can integrate and utilise different technologies seamlessly to achieve business goals.
- Full Text:
- Date Issued: 2010
- «
- ‹
- 1
- ›
- »