... with distinct profiles and needs. Different strategies are recommended for each cluster and class. Originality/value Numerous studies have focused on the importance of getting to know the clients of microfinance programs, but none as yet have used market segmentation as a way to do so. The goal...

... Unemployed 4.6 Self-employed 12.7 Employed 64.3 Monthly income (KD) <1000 11.9 1000–1500 24.8 1501–2000 34.2 2000+ 29.1 Kuwait Market segmentation Self-organizing maps Consumer choice Consumer clustering Sharia-compliant financial products...

... suggests that, worldwide, microcredit has reached about 190 million poor families and about 640 million poor individuals (Reed, 2011). These statistics are evidence of the growth and indispensable role played by microcredit in recent decades. Consumer behaviour Credit Market segmentation Financial...

... related to service access. This research offers a practical framework for management to segment consumer groups to improve access to care and ultimately customer outcome. Research has shown that market segments are usually selected from four general areas; geographic, demographic, psychographic...

... are useful in market segmentation. The results also suggest the possible existence of sub‐groups within each segment characterised by different aspects of resistance behaviour. Further research could identify and explore their potential and study non‐adopter behaviour. Practical implications Service...

... behaviour, the present study measures actual behaviour (Ajzen and Fishbein, 1980) and in line with TAM, propose the following hypothesis: H1. Intention to use IB will significantly predict its actual use. © Emerald Group Publishing Limited 2012 Technology readiness Market...

... decisions. Market segmentation is one of the most fundamental marketing concepts in terms of matching supply with demand and constitutes a key component of a firm's marketing strategy. Typically, segmentation variables are categorized in socio‐demographic, cultural, geographic, personality‐psychographic...

... by conventional cluster‐based segmentation. Market segmentation Internet Banking Two‐step cluster analysis is a one‐pass‐through the data approach which generates a fairly large number of pre‐clusters. This approach is very efficient especially with very large samples. The algorithm starts by forming...

... that could be of importance in profiling the private SR‐investor. These two areas are addressed in turn below. Ethical investment Unit trusts Investors Market segmentation One of the major trends within the retail investment industry in the last couple of decades has been the introduction...

...@griffith.edu.au © Emerald Group Publishing Limited 2007 Market segmentation Youth Social stratification Virtual banking Consumer behaviour Malaysia This paper builds on previous works by Ostlund (1974) , Taylor (1977) , Rugimbana and Iversen (1994) , Barczak et al. (1997...

... study. Originality/value The key contribution of this study is that the identification of target groups could ultimately lead to enhanced abilities for pension providers to develop customised pension and saving products for those groups. Pensions Personal finance Cluster analysis Market...

... simple dichotomy; the analysis of persistent and prospective adopters has important implications for marketing activities such as effective market segmentation and targeted communication strategies. The potential theoretical contribution of this study is the integration of a multitude of theories...

... sets of variables were used to profile market segments. Findings Study results indicate that there are substantial differences between customers of local and national US banks in their evaluation of the relative importance of bank service charges and overall confidence in the bank. Compared...

... services. No new banks entered during the five‐year time period under analysis nor did any banks exit this market. This study presents the analysis conducted at the company level and for the entire geographical market. Various market segments typically perceive banks and the importance of attributes...

... competitive arenas and sources of competitive advantage are more easily identifiable for specialist or niche players. © MCB UP Limited 1997 Competitive advantage Financial services Market segmentation Retailing Service operations United Kingdom Although still the subject of some debate...

... and efficiency of their marketing strategies. This research was undertaken to investigate and correct one of the great shortcomings in market segmentation as practised by banks and building societies: they typically use geographic, demographic, socio‐economic and psychographic characteristics to segment...

.... Illustrates the method by way of an application in the design of a new financial service. © MCB UP Limited 1996 Conjoint analysis Financial services Market segmentation The need for a better understanding of consumers’ preference for financial services under the new deregulated and more...

... Market segmentation The last two years have been very difficult for building societies in both of their core markets – mortgages and savings. While much has been written about the housing and mortgage markets comparatively little attention has been given to what is happening in the building society...

...Tina S. Harrison Driven by changes in the regulatory environment and pressures on product profitability, market segmentation is increasing in importance as a competitive weapon. However, still too much emphasis is being placed on descriptive studies which do not sufficiently explain differences...

... institution and satisfaction levels. © MCB UP Limited 1994 Banking Canada Location Marketing Marketing research Performance Market segmentation Service quality The growing body of service quality research offers many new insights for managers in the service sector. In particular...