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Autor
Buszko Michał (Nicolaus Copernicus University in Toruń, Poland), Krupa Dorota (Nicolaus Copernicus University in Toruń, Poland), Chojnacka Malwina
Tytuł
Young People and Banking Products and Services in Poland: the Results of Empirical Studies
Źródło
Ekonomia i Prawo, 2019, t. 18, nr 2, s. 147-164, rys., bibliogr. 15 poz.
Economics and Law
Słowa kluczowe
Usługi bankowe, Produkty bankowe, Ludzie młodzi, Młodzież
Banking services, Bank product, Young people, Youth
Uwagi
Klasyfikacja JEL: G2, G41.
summ.
Abstrakt
Motivation: Banks tend to offer increasingly innovative, distinctive products, to introduce new sales channels, as well as to search for new customers. A special group, more often served by banks, are young people. Aim: The main aim of this study is evaluating the types, preferences and patterns of using banking offers as well as to evaluate major channels of accessing banking products and services by children, youths and young adults. The authors used studies of literature, analysed bank products and services for young people as well as conducted survey research on a group of people under 25 years. Results: Young people represent a primarily multi-product approach and their level of financial knowledge determines the use of modern solutions as well as a high diversity of products. Young people that use banking products and services rarely decide to use offers of other financial institutions.(original abstract)
Pełny tekst
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Bibliografia
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  1. Camilleri, S.J., & Ellul, D. (2017). Younger customers' outlooks when selecting and changing a financial services provider: the case of Maltese students. International Journal of Financial Research, 8(2). doi:10.5430/ijfr.v8n2p51.
  2. Child & Youth Finance International & MasterCard Incorporated International (2014). Banking a new generation. Developing responsible retail banking products for children and youth. Retrieved 14.02.2019 from http://www.childfinanceinternational.org.
  3. Demirguc-Kunt, A., & Klapper, L. (2012). Measuring financial inclusion: the Global Findex Database. The World Bank Policy Research Working Paper, 6025.
  4. Dziawgo, L. (2006). Private banking. Bankowość dla zamożnych klientów. Warszawa: Wolters Kluwer.
  5. Floh, A., & Treiblmaier, H. (2006). What keeps the e-banking customer loyal? A multi-group analysis of the moderating role of consumer characteristics on e-loyalty in the financial service industry. Journal of Electronic Commerce Research, 7(2). doi:10.2139/ssrn.2585491.
  6. Foscht, T., Maloles, III, C., Schloffer, J., Chia, S-L., & Sinha, I., (2010). Banking on the youth: the case for finer segmentation of the youth market. Young Consumers, 11(4). doi:10.1108/17473611011093907.
  7. Johnson, E., & Sherraden, M.S. (2007). From financial literacy to financial capability among youth. Journal of Sociology and Social Welfare, 34(3).
  8. Maison, D. (2017). Postawy Polaków wobec obrotu bezgotówkowego. Raport z badania 2016 i analiza porównawcza z danymi z 2009 i 2013 roku. Retrieved 14.02.2019 from https://www.nbp.pl.
  9. Motlhabane, K.L. (2017). Going beyond expectations: banks strategies attract and retain or deter tertiary students' clientele. Banks and Bank Systems, 12(1). doi:10.21511/bbs.12(1-1).2017.01.
  10. Newseria. (2016). Młodzi klienci banków bardziej lojalni i mniej wymagający. Retrieved 14.02.2019 from https://biznes.newseria.pl.
  11. Perek, A., & Pawlonka, T. (2014). Rozpoznawalność banków spółdzielczych w segmencie młodych konsumentów. Zeszyty Naukowe SGGW. Ekonomika i Organizacja Gospodarki Żywnościowej, 106. doi:10.22630/EIOGZ.2014.106.16.
  12. Polasik, M. & Wisniewski, T.P. (2009). Empirical analysis of internet banking adoption in Poland. International Journal of Bank Marketing, 27(1). doi:10.1108/02652320910928227.
  13. Smoczyńska, A. (Ed.). (2014). The system of education in Poland. Warsaw: Foundation for the Development of the Education System.
  14. Totalmoney.pl (2016). Oferta banków skierowana do dzieci i młodzieży. Retrieved 14.02.2019 from https://www.totalmoney.pl.
  15. Walczak, D., & Pieńkowska-Kamieniecka, S. (2018). Gender differences in financial behaviours. Engineering Economics, 29(1). doi:10.5755/j01.ee.29.1.16400.
Cytowane przez
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ISSN
1898-2255
Język
eng
URI / DOI
http://dx.doi.org/10.12775/EiP.2019.012
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