SlideShare uma empresa Scribd logo
1 de 36
BANK
MARKETING
HELLO
 my name is


Se r g i u
    Sr
Mon Tue Wed Thu      Fri Sat Sun
         25  26  27  28      29   30   31
APRIL     1    2    3    4    5   6     7
          8    9   10   11   12   13   14
         15   16   17   18   19   20   21
         22   23   24   25   26   27   28
         29   30    1    2    3   4     5
          6    7   8     9   10   11   12
MAY




         13   14   15   16   17   18   19
         20   21   22   23   24   25   26
         27   28   29   30   31   1     2
THE PLAN
Lecture 0   MARKETING AND BANKING
March 27th
             Lecture 1   SERVICES VS. PRODUCTS

             Lecture 2   QUALITY OF SERVICES
April 10th
             Lecture 3   KNOWING YOUR CUSTOMER

             Lecture 4   SEGMENTATION
April 24th
             Lecture 5   UNDERSTANDING COMPETITORS

                         BANK SERVICES, INNOVATION AND
             Lecture 6
                         PRICING
 May 8th
             Lecture 7   MARKETING CHANNELS

May 22nd     Lecture 8   COMMUNICATION FOR BANKS
NOTHING
I WILL TELL YOU
        IS
  UNIVERSALLY
     TRUE
IF IT SOUNDS WRONG,
      ASK
LECTURE 0


MARKETING
    AND
 BANKING
WHAT DO WE THINK ABOUT
 WHEN WE THINK ABOUT

MARKETING
YOU ARE
WHAT YOUR CUSTOMER
  THINKS YOU ARE
WHAT DO PEOPLE THINK
 ABOUT FINANCE AND
      BANKING?
WHERE DOES
MARKETING FIT IN
  FOR A BANK?
LECTURE 1

SERVICES
    VS.
PRODUCTS
IMPORTANCE
agriculture    industry     services




United   China   Japan     India   Germany Russia    United   Brazil   France   Italy
States                                              Kingdom
agriculture   industry   services



               6%


                         31%

 63%
CHARACTERISTICS
The McDonald’s website
The Citibank website
NOTHING TO TOUCH?
INTANGIBILITY
CONSEQUENCES

    Services cannot be inventoried

     Services cannot be patented

Services cannot be readily displayed or
           communicated

           Pricing is difficult
PRODUCTION AND
CONSUMPTION ARE
  SIMULTAENOUS.
INSEPARABILITY
CONSEQUENCES

Customers participate in and affect the transaction

          Customers affect each other

     Employees affect the service outcome

        Decentralization may be essential

            Mass production is difficult
QUALITY CAN VARY
  DRASTICALLY.
HETEROGENEITY
CONSEQUENCES

Service delivery and customer satisfaction
      depend on employee actions

     Service quality depends on many
           uncontrollable factors

There is no sure knowledge that the service
 delivered matches what was planned and
                 promoted
PERISHABILITY
CONSEQUENCES

It is difficult to synchronize supply and demand

   Services cannot be returned and resold
INTANGIBILITY

INSEPARABILITY

HETEROGENEITY

PERISHABILITY

Mais conteúdo relacionado

Semelhante a C1_intro_services_vs_products

EMR - Salary & Trend Report - 2014
EMR - Salary & Trend Report - 2014 EMR - Salary & Trend Report - 2014
EMR - Salary & Trend Report - 2014
jonathanfisher77
 
Customer Experience in Financial Services Asia Pacific Brochure
Customer Experience in Financial Services Asia Pacific BrochureCustomer Experience in Financial Services Asia Pacific Brochure
Customer Experience in Financial Services Asia Pacific Brochure
Sarah Leonard
 

Semelhante a C1_intro_services_vs_products (20)

Adecco Vietnam - How Fresh Gradudates Can Impress Recruiters
Adecco Vietnam - How Fresh Gradudates Can Impress RecruitersAdecco Vietnam - How Fresh Gradudates Can Impress Recruiters
Adecco Vietnam - How Fresh Gradudates Can Impress Recruiters
 
service-marketing PPT.ppt
service-marketing PPT.pptservice-marketing PPT.ppt
service-marketing PPT.ppt
 
Leadership performance 2
Leadership performance 2Leadership performance 2
Leadership performance 2
 
Why Banking Customers Switch: Covid-19's Impact on Loyalty
Why Banking Customers Switch: Covid-19's Impact on LoyaltyWhy Banking Customers Switch: Covid-19's Impact on Loyalty
Why Banking Customers Switch: Covid-19's Impact on Loyalty
 
Supply Chain User Experience
Supply Chain User ExperienceSupply Chain User Experience
Supply Chain User Experience
 
Using UX Thinking to Accurately Measure Value
Using UX Thinking to Accurately Measure ValueUsing UX Thinking to Accurately Measure Value
Using UX Thinking to Accurately Measure Value
 
Ba7013 services marketing
Ba7013 services marketingBa7013 services marketing
Ba7013 services marketing
 
EMR - Salary & Trend Report - 2014
EMR - Salary & Trend Report - 2014 EMR - Salary & Trend Report - 2014
EMR - Salary & Trend Report - 2014
 
E Marketing Week11
E Marketing Week11E Marketing Week11
E Marketing Week11
 
CRM for Banking - Introduction
CRM for Banking - IntroductionCRM for Banking - Introduction
CRM for Banking - Introduction
 
LSA Newsletter_First Edition_2016
LSA Newsletter_First Edition_2016LSA Newsletter_First Edition_2016
LSA Newsletter_First Edition_2016
 
Customer Experience in Financial Services Asia Pacific Brochure
Customer Experience in Financial Services Asia Pacific BrochureCustomer Experience in Financial Services Asia Pacific Brochure
Customer Experience in Financial Services Asia Pacific Brochure
 
Client Opinions - Client Feedback Program
Client Opinions - Client Feedback ProgramClient Opinions - Client Feedback Program
Client Opinions - Client Feedback Program
 
The Proof is in your people: Developing a distinctly Virgin customer service
The Proof is in your people: Developing a distinctly Virgin customer serviceThe Proof is in your people: Developing a distinctly Virgin customer service
The Proof is in your people: Developing a distinctly Virgin customer service
 
service-marketing.ppt
service-marketing.pptservice-marketing.ppt
service-marketing.ppt
 
service-marketing.ppt
service-marketing.pptservice-marketing.ppt
service-marketing.ppt
 
Context is Queen: The value of media environment
Context is Queen: The value of media environmentContext is Queen: The value of media environment
Context is Queen: The value of media environment
 
Full services marketing
Full services marketingFull services marketing
Full services marketing
 
Services marketing
Services marketing Services marketing
Services marketing
 
Live Webinar: Insights2020 Readout | Driving Growth Through Customer Centricity
Live Webinar: Insights2020 Readout | Driving Growth Through Customer CentricityLive Webinar: Insights2020 Readout | Driving Growth Through Customer Centricity
Live Webinar: Insights2020 Readout | Driving Growth Through Customer Centricity
 

Último

1029 - Danh muc Sach Giao Khoa 10 . pdf
1029 -  Danh muc Sach Giao Khoa 10 . pdf1029 -  Danh muc Sach Giao Khoa 10 . pdf
1029 - Danh muc Sach Giao Khoa 10 . pdf
QucHHunhnh
 
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
ZurliaSoop
 
Salient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functionsSalient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functions
KarakKing
 
Spellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please PractiseSpellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please Practise
AnaAcapella
 
Vishram Singh - Textbook of Anatomy Upper Limb and Thorax.. Volume 1 (1).pdf
Vishram Singh - Textbook of Anatomy  Upper Limb and Thorax.. Volume 1 (1).pdfVishram Singh - Textbook of Anatomy  Upper Limb and Thorax.. Volume 1 (1).pdf
Vishram Singh - Textbook of Anatomy Upper Limb and Thorax.. Volume 1 (1).pdf
ssuserdda66b
 
Activity 01 - Artificial Culture (1).pdf
Activity 01 - Artificial Culture (1).pdfActivity 01 - Artificial Culture (1).pdf
Activity 01 - Artificial Culture (1).pdf
ciinovamais
 

Último (20)

1029 - Danh muc Sach Giao Khoa 10 . pdf
1029 -  Danh muc Sach Giao Khoa 10 . pdf1029 -  Danh muc Sach Giao Khoa 10 . pdf
1029 - Danh muc Sach Giao Khoa 10 . pdf
 
Single or Multiple melodic lines structure
Single or Multiple melodic lines structureSingle or Multiple melodic lines structure
Single or Multiple melodic lines structure
 
Understanding Accommodations and Modifications
Understanding  Accommodations and ModificationsUnderstanding  Accommodations and Modifications
Understanding Accommodations and Modifications
 
This PowerPoint helps students to consider the concept of infinity.
This PowerPoint helps students to consider the concept of infinity.This PowerPoint helps students to consider the concept of infinity.
This PowerPoint helps students to consider the concept of infinity.
 
Sociology 101 Demonstration of Learning Exhibit
Sociology 101 Demonstration of Learning ExhibitSociology 101 Demonstration of Learning Exhibit
Sociology 101 Demonstration of Learning Exhibit
 
Google Gemini An AI Revolution in Education.pptx
Google Gemini An AI Revolution in Education.pptxGoogle Gemini An AI Revolution in Education.pptx
Google Gemini An AI Revolution in Education.pptx
 
Basic Civil Engineering first year Notes- Chapter 4 Building.pptx
Basic Civil Engineering first year Notes- Chapter 4 Building.pptxBasic Civil Engineering first year Notes- Chapter 4 Building.pptx
Basic Civil Engineering first year Notes- Chapter 4 Building.pptx
 
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
 
Holdier Curriculum Vitae (April 2024).pdf
Holdier Curriculum Vitae (April 2024).pdfHoldier Curriculum Vitae (April 2024).pdf
Holdier Curriculum Vitae (April 2024).pdf
 
General Principles of Intellectual Property: Concepts of Intellectual Proper...
General Principles of Intellectual Property: Concepts of Intellectual  Proper...General Principles of Intellectual Property: Concepts of Intellectual  Proper...
General Principles of Intellectual Property: Concepts of Intellectual Proper...
 
Salient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functionsSalient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functions
 
Python Notes for mca i year students osmania university.docx
Python Notes for mca i year students osmania university.docxPython Notes for mca i year students osmania university.docx
Python Notes for mca i year students osmania university.docx
 
Spellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please PractiseSpellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please Practise
 
Unit-V; Pricing (Pharma Marketing Management).pptx
Unit-V; Pricing (Pharma Marketing Management).pptxUnit-V; Pricing (Pharma Marketing Management).pptx
Unit-V; Pricing (Pharma Marketing Management).pptx
 
Key note speaker Neum_Admir Softic_ENG.pdf
Key note speaker Neum_Admir Softic_ENG.pdfKey note speaker Neum_Admir Softic_ENG.pdf
Key note speaker Neum_Admir Softic_ENG.pdf
 
How to Manage Global Discount in Odoo 17 POS
How to Manage Global Discount in Odoo 17 POSHow to Manage Global Discount in Odoo 17 POS
How to Manage Global Discount in Odoo 17 POS
 
Vishram Singh - Textbook of Anatomy Upper Limb and Thorax.. Volume 1 (1).pdf
Vishram Singh - Textbook of Anatomy  Upper Limb and Thorax.. Volume 1 (1).pdfVishram Singh - Textbook of Anatomy  Upper Limb and Thorax.. Volume 1 (1).pdf
Vishram Singh - Textbook of Anatomy Upper Limb and Thorax.. Volume 1 (1).pdf
 
Unit-IV- Pharma. Marketing Channels.pptx
Unit-IV- Pharma. Marketing Channels.pptxUnit-IV- Pharma. Marketing Channels.pptx
Unit-IV- Pharma. Marketing Channels.pptx
 
How to Create and Manage Wizard in Odoo 17
How to Create and Manage Wizard in Odoo 17How to Create and Manage Wizard in Odoo 17
How to Create and Manage Wizard in Odoo 17
 
Activity 01 - Artificial Culture (1).pdf
Activity 01 - Artificial Culture (1).pdfActivity 01 - Artificial Culture (1).pdf
Activity 01 - Artificial Culture (1).pdf
 

C1_intro_services_vs_products