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題名 線上一對一行銷於銀行業的應用: 以ABC銀行為例
The Application of Online 1-to-1 Marketing into the Banking Industry: Case Study of ABC Bank
作者 柯宇峰
貢獻者 林基煌
Lin, Chi-Huang
柯宇峰
關鍵詞 一對一行銷
日期 2005
上傳時間 2009-09-14
摘要 每個人對不同的事務、產品及服務都有不同的偏好。這種差異在擁有眾多客戶的銀行業上所造成的影響尤為深遠,特別是對大部份無法充分運用客戶資訊技術以提升服務品質的銀行而言,滿足不同客戶眾多及複雜的需求,已成為目前經營銀行的重大挑戰。所幸,在網際網路日益普及網路科技日益發達的情況下,在網路銀行上提升客戶服務,已遠較以往容易,而有越來越多的人透過網路與銀行互動,也讓提升網路銀行的服務更形重要。銀行要提升客戶的服務品質,需仰賴大量的客戶分析了解客戶,並藉由對不同客戶或客群提供有效服務,來提高成交率,同時創造更多交叉銷售的機會,最終達到整體業績的提升。為達此目的,在網際網路上透過完整客戶行為分析以達到精確的客群行銷的概念及實踐,將成為未來銀行發展必須正視的重要課題。銀行若能有效針對客戶在不同時點的需求做更完整的掌握及更即時的回應,客戶經營將變得更容易,將完善的客戶服務有效轉化成實際業績的目標將不再遙不可及。
Everyone wants and likes different things, both on an aesthetic level and on a product and service level. This will prove to be a serious challenge for most traditional financial institutions in particular, as many of their data gathering and analytical technologies and marketing initiative technologies behind of those advanced ones. Fortunately, the recent development of Internet seemed to provide a perfect environment for the banks to achieve such a goal in a much easier way. Also, with the increasing popularity of Internet, Internet banking has become more important than ever and understanding customers has become easier than ever. It is understandable that making the most of consumer information is the key to effective cross-selling, mass customization, and market segmentation. Consumer finance companies/banks need sophisticated online analytical tools and 1-to-1 marketing technology and automation systems (or target marketing solution) to gather, store, analyze, and deliver the right information to right personnel of organization at the right time and setting. Armed with better information, banks can increase per-customer revenue more effectively by cross-selling additional products and services, collecting delinquent accounts, and developing valuable new products and services to sell.
參考文獻 1.Abram, Hawkes plc., “Relationship Marketing in the Financial Services Industry”, Abram, Hawkes plc, (April 5, 1995)
2.Balabanovic, M., and Shoham, Y., 1997, “Content-Based, Collaborative Recommendation,” Communications of the ACM, Vol. 40, No.3, pp.66-72
3.Chan-Olmsted, Sylvia M., “Branding and internet marketing in the age of digital media. (Book Review) “Journal of Broadcasting & Electronic Media, Broadcast Education Association, (December 1, 2002)
4.Conference on Management of Data, ACM Press, Montreal, Canada, pp. 1-12.
5.Crainer, Stuart., “Marketing in the digital age. (One-On-One).(marketing professor and author Philip Kotler) (Interview) “ New Zealand Marketing Magazine, (March 1, 2003)
6.“Digigram/Digital Marketing From Distribution Partnership” , an article from Multimedia Publisher, (February 1, 2000 )
7.Godin, Selth., “Permission Marketing”, Simon & Schuster, (1999)
8.Merrill Lynch., “Economic Globalization and Culture-a discussion with Dr. Francis Fukuyama”, Merrill Lynch Forum, New York, (June 1998)
9.Nachman, Jerri Lyne., “Direct-To-Web Site Digital Marketing” San Diego Business Journal, (January 29, 2001)
10.Nordstrom, Kjell & Ridderstrale, Jonas., “Funky Business”, Prentice Hall, (1999)
11.Peppers, Don. & Rogers, Martha., “The One to One Future”, Piakus, London (Pbk), (1994)
12.Peppers, Don. & Rogers, Martha., “Enterprise One to One”, Currency, New York, (1997)
13.Peppers, Don. & Rogers, Martha., “ The One to One Fieldbook: The Complete Toolkit For Implementing a 1 to 1 Marketing Program” , (1999)
14.Pine II, B. Joseph. & Gilmore, James H., “ Markets of One-Creating Customer-Unique Value through Mass Customization”, Harvard Business School Press, Boston, Mass., (2000)
15.Perkowitz, M., and Etzioni, O., 2000, “Adaptive Web Sites,” Communications of the ACM, Vol. 43, No.8, pp.152-158.
16.Pine II, B. Joseph., Peppers D. & Rogers M., “Do You Want to Keep Your Customers Forever?”, Harvard Business Review, (March-April 1995), pp.103-114
17.Rowan, Will., “Digital Marketing” , Kogan Page , (February 15, 2002)
18.Schrage, Michael., “The Relationship Revolution (White paper)”, Merrill Lynch Forum, New York, (March 1997)
19.Srikant, R., and Agrawal, R., 1996, “Mining Quantitative Association Rules in Large Relational Tables,” Proceedings of the 1996 ACM SIGMOD International
20.Tao, F., and Muragh, F., 2000, “Towards Knowledge Discovery from WWW Log Data,” Proceedings of International Converence on Information Technology: Coding and Computing, Las Vegas, USA, pp. 302-307
21.Taylor, Catharine., “ Leading Advertising Industry Expert Named to Head Content Development for New Digital Marketing Conference” ,Business Wire, (February 14, 2005)
22.Urban, Glen., “Digital Marketing Strategy: Text and Cases”, Prentice Hall , (June 26, 2003)
23.“Where Next For Loyalty Programmes?”, Through the Loop-MarketLoop 1998, Through the Loop Consulting Ltd, (June 1998)
24.Wind, Jerry. & Mahajan, Vijay., “Digital Marketing : Global Strategies from the World’s Leading Experts”, John Wiley & Sons, Inc. , (2001)
25.Wijsen, J., and Meersmen, R., 1998, “On the Complexity of Mining Quantitative Association Rules,” Data Mining and Knowledge Discovery, Vol.2, No.3, pp.263-281.
描述 碩士
國立政治大學
財務管理研究所
89932124
94
資料來源 http://thesis.lib.nccu.edu.tw/record/#G0089932124
資料類型 thesis
dc.contributor.advisor 林基煌zh_TW
dc.contributor.advisor Lin, Chi-Huangen_US
dc.contributor.author (Authors) 柯宇峰zh_TW
dc.creator (作者) 柯宇峰zh_TW
dc.date (日期) 2005en_US
dc.date.accessioned 2009-09-14-
dc.date.available 2009-09-14-
dc.date.issued (上傳時間) 2009-09-14-
dc.identifier (Other Identifiers) G0089932124en_US
dc.identifier.uri (URI) https://nccur.lib.nccu.edu.tw/handle/140.119/30960-
dc.description (描述) 碩士zh_TW
dc.description (描述) 國立政治大學zh_TW
dc.description (描述) 財務管理研究所zh_TW
dc.description (描述) 89932124zh_TW
dc.description (描述) 94zh_TW
dc.description.abstract (摘要) 每個人對不同的事務、產品及服務都有不同的偏好。這種差異在擁有眾多客戶的銀行業上所造成的影響尤為深遠,特別是對大部份無法充分運用客戶資訊技術以提升服務品質的銀行而言,滿足不同客戶眾多及複雜的需求,已成為目前經營銀行的重大挑戰。所幸,在網際網路日益普及網路科技日益發達的情況下,在網路銀行上提升客戶服務,已遠較以往容易,而有越來越多的人透過網路與銀行互動,也讓提升網路銀行的服務更形重要。銀行要提升客戶的服務品質,需仰賴大量的客戶分析了解客戶,並藉由對不同客戶或客群提供有效服務,來提高成交率,同時創造更多交叉銷售的機會,最終達到整體業績的提升。為達此目的,在網際網路上透過完整客戶行為分析以達到精確的客群行銷的概念及實踐,將成為未來銀行發展必須正視的重要課題。銀行若能有效針對客戶在不同時點的需求做更完整的掌握及更即時的回應,客戶經營將變得更容易,將完善的客戶服務有效轉化成實際業績的目標將不再遙不可及。zh_TW
dc.description.abstract (摘要) Everyone wants and likes different things, both on an aesthetic level and on a product and service level. This will prove to be a serious challenge for most traditional financial institutions in particular, as many of their data gathering and analytical technologies and marketing initiative technologies behind of those advanced ones. Fortunately, the recent development of Internet seemed to provide a perfect environment for the banks to achieve such a goal in a much easier way. Also, with the increasing popularity of Internet, Internet banking has become more important than ever and understanding customers has become easier than ever. It is understandable that making the most of consumer information is the key to effective cross-selling, mass customization, and market segmentation. Consumer finance companies/banks need sophisticated online analytical tools and 1-to-1 marketing technology and automation systems (or target marketing solution) to gather, store, analyze, and deliver the right information to right personnel of organization at the right time and setting. Armed with better information, banks can increase per-customer revenue more effectively by cross-selling additional products and services, collecting delinquent accounts, and developing valuable new products and services to sell.en_US
dc.description.tableofcontents Chapter 1 Introduction
     1.1 Motivation & Purpose
     1.2 Research Framework
     1.3 Limitations
     1.4 Outline of the Thesis
     Chapter 2 Literature Review
     2.1 CRM and eCRM
     2.2 Web Analytic Tool and Main Concepts
     2.3 1-to-1 Marketing Solutions and Main Concepts
     Chapter 3 Methodology
     3.1 Key Steps for forming 1-to-1Marketing Framework
     3.2 Key Successful Factors for Forming 1-to-1 Marketing Framework
     3.3 1-to-1 Marketing Framework Formulation
     3.3.1 Identification
     3.3.1.1 Customer Background Information
     3.3.1.2 Customer Transaction Information
     3.3.1.3 Customer Behavior Information
     3.3.2 Differentiation
     3.3.3 Interaction
     3.3.4 Customization
     3.3.4.1 Customer Life Stage
     3.3.4.2 Customer Needs
     3.3.4.3 Products, Services and Resources
     3.3.4.4 Sales and Marketing Opportunities
     3.3.4.5 Application Tools
     3.3.4.6 Online Customer Behavior
     3.3.4.7 Marketing Campaigns
     Chapter 4 Case Study
     4.1 Case Introduction
     4.2 1-to-1 Marketing Methodology Application
     4.2.1 Identification
     4.2.2 Differentiation
     4.2.3 Interaction
     4.2.4 Customization
     4.3 Results
     Chapter 5 Conclusion and Recommendation
     5.1 Conclusion
     5.2 Recommendation
     References
     Appendix 1 Breakdown of the CRM Components
     Appendix 2 A Glossary of Web Analytics and 1-to-1 Marketing Terms
     Appendix 3 A/B Testing Methodology
     Appendix 4 Visitors Analysis Results
     Appendix 5 Marketing Campaign #1
     Appendix 6 Marketing Campaign #2
     Appendix 7 Marketing Campaign #3
     Appendix 8 Marketing Campaign #4
zh_TW
dc.language.iso en_US-
dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0089932124en_US
dc.subject (關鍵詞) 一對一行銷zh_TW
dc.title (題名) 線上一對一行銷於銀行業的應用: 以ABC銀行為例zh_TW
dc.title (題名) The Application of Online 1-to-1 Marketing into the Banking Industry: Case Study of ABC Banken_US
dc.type (資料類型) thesisen
dc.relation.reference (參考文獻) 1.Abram, Hawkes plc., “Relationship Marketing in the Financial Services Industry”, Abram, Hawkes plc, (April 5, 1995)zh_TW
dc.relation.reference (參考文獻) 2.Balabanovic, M., and Shoham, Y., 1997, “Content-Based, Collaborative Recommendation,” Communications of the ACM, Vol. 40, No.3, pp.66-72zh_TW
dc.relation.reference (參考文獻) 3.Chan-Olmsted, Sylvia M., “Branding and internet marketing in the age of digital media. (Book Review) “Journal of Broadcasting & Electronic Media, Broadcast Education Association, (December 1, 2002)zh_TW
dc.relation.reference (參考文獻) 4.Conference on Management of Data, ACM Press, Montreal, Canada, pp. 1-12.zh_TW
dc.relation.reference (參考文獻) 5.Crainer, Stuart., “Marketing in the digital age. (One-On-One).(marketing professor and author Philip Kotler) (Interview) “ New Zealand Marketing Magazine, (March 1, 2003)zh_TW
dc.relation.reference (參考文獻) 6.“Digigram/Digital Marketing From Distribution Partnership” , an article from Multimedia Publisher, (February 1, 2000 )zh_TW
dc.relation.reference (參考文獻) 7.Godin, Selth., “Permission Marketing”, Simon & Schuster, (1999)zh_TW
dc.relation.reference (參考文獻) 8.Merrill Lynch., “Economic Globalization and Culture-a discussion with Dr. Francis Fukuyama”, Merrill Lynch Forum, New York, (June 1998)zh_TW
dc.relation.reference (參考文獻) 9.Nachman, Jerri Lyne., “Direct-To-Web Site Digital Marketing” San Diego Business Journal, (January 29, 2001)zh_TW
dc.relation.reference (參考文獻) 10.Nordstrom, Kjell & Ridderstrale, Jonas., “Funky Business”, Prentice Hall, (1999)zh_TW
dc.relation.reference (參考文獻) 11.Peppers, Don. & Rogers, Martha., “The One to One Future”, Piakus, London (Pbk), (1994)zh_TW
dc.relation.reference (參考文獻) 12.Peppers, Don. & Rogers, Martha., “Enterprise One to One”, Currency, New York, (1997)zh_TW
dc.relation.reference (參考文獻) 13.Peppers, Don. & Rogers, Martha., “ The One to One Fieldbook: The Complete Toolkit For Implementing a 1 to 1 Marketing Program” , (1999)zh_TW
dc.relation.reference (參考文獻) 14.Pine II, B. Joseph. & Gilmore, James H., “ Markets of One-Creating Customer-Unique Value through Mass Customization”, Harvard Business School Press, Boston, Mass., (2000)zh_TW
dc.relation.reference (參考文獻) 15.Perkowitz, M., and Etzioni, O., 2000, “Adaptive Web Sites,” Communications of the ACM, Vol. 43, No.8, pp.152-158.zh_TW
dc.relation.reference (參考文獻) 16.Pine II, B. Joseph., Peppers D. & Rogers M., “Do You Want to Keep Your Customers Forever?”, Harvard Business Review, (March-April 1995), pp.103-114zh_TW
dc.relation.reference (參考文獻) 17.Rowan, Will., “Digital Marketing” , Kogan Page , (February 15, 2002)zh_TW
dc.relation.reference (參考文獻) 18.Schrage, Michael., “The Relationship Revolution (White paper)”, Merrill Lynch Forum, New York, (March 1997)zh_TW
dc.relation.reference (參考文獻) 19.Srikant, R., and Agrawal, R., 1996, “Mining Quantitative Association Rules in Large Relational Tables,” Proceedings of the 1996 ACM SIGMOD Internationalzh_TW
dc.relation.reference (參考文獻) 20.Tao, F., and Muragh, F., 2000, “Towards Knowledge Discovery from WWW Log Data,” Proceedings of International Converence on Information Technology: Coding and Computing, Las Vegas, USA, pp. 302-307zh_TW
dc.relation.reference (參考文獻) 21.Taylor, Catharine., “ Leading Advertising Industry Expert Named to Head Content Development for New Digital Marketing Conference” ,Business Wire, (February 14, 2005)zh_TW
dc.relation.reference (參考文獻) 22.Urban, Glen., “Digital Marketing Strategy: Text and Cases”, Prentice Hall , (June 26, 2003)zh_TW
dc.relation.reference (參考文獻) 23.“Where Next For Loyalty Programmes?”, Through the Loop-MarketLoop 1998, Through the Loop Consulting Ltd, (June 1998)zh_TW
dc.relation.reference (參考文獻) 24.Wind, Jerry. & Mahajan, Vijay., “Digital Marketing : Global Strategies from the World’s Leading Experts”, John Wiley & Sons, Inc. , (2001)zh_TW
dc.relation.reference (參考文獻) 25.Wijsen, J., and Meersmen, R., 1998, “On the Complexity of Mining Quantitative Association Rules,” Data Mining and Knowledge Discovery, Vol.2, No.3, pp.263-281.zh_TW