Consumer trade‐offs among mortgage instrument variables

Talaga, James; Buch, Joshua

doi:10.1108/02652329810241401

Cited by 9 publications

(5 citation statements)

References 6 publications

(11 reference statements)

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“…Gomez Arias, 1996;Danaher, 1997;Ostrom and Iacobucci, 1995;Rosko et al, 1985;Talaga and Buch, 1998;Zinkhan and Zinkhan, 1990). However conventional conjoint approaches only allow the manipulation of limited numbers of attributes and do not distinguish dimensions from attributes.…”

Section: Advantages Over Other Approachesmentioning

confidence: 99%

Measuring perceived service quality using integrated conjoint experiments

Oppewal

Vriens

2000

International Journal of Bank Marketing

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If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information. About Emerald www.emeraldinsight.comEmerald is a global publisher linking research and practice to the benefit of society. The company manages a portfolio of more than 290 journals and over 2,350 books and book series volumes, as well as providing an extensive range of online products and additional customer resources and services.Emerald is both COUNTER 4 and TRANSFER compliant. The organization is a partner of the Committee on Publication Ethics (COPE) and also works with Portico and the LOCKSS initiative for digital archive preservation. AbstractProposes the use of integrated conjoint experiments to measure perceived service quality. It also demonstrates the process of modelling the hierarchical relations between operationally defined service attributes, strategically relevant service dimensions, and overall preference for banks or banking products. The proposed method, which is based on hierarchical information integration theory, avoids some of the limitations and problems of SERVQUAL and traditional conjoint analysis. The approach is demonstrated with an application to retail banks involving four service dimensions and 28 attributes. Conclusions are drawn about which dimensions and attribute changes will yield the strongest improvements in a bank's utility and competitive position. The paper ends with a discussion of topics for further research.The authors would like to acknowledge the assistance of Henk Bremer and Jan A. Linde during the data collection and analysis. Downloaded by University of Reading At 05:48 22 December 2014 (PT) [ 169 ]Harmen Oppewal and Marco Vriens Measuring perceived service quality using integrated conjoint experiments

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Section: Advantages Over Other Approachesmentioning

confidence: 99%

Measuring perceived service quality using integrated conjoint experiments

Oppewal

Vriens

2000

International Journal of Bank Marketing

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“…This study has been carried out using conjoint analysis, a technique that, in the financial field, has been used to identify the criteria that consumers take into account when selecting a certain financial institution (Bigné & Sánchez, ; García & Chamorro, ; García, Chamorro, & Barroso, ; Ulengin, ), the quality of service (Dauda & Lee, ; Oppewal & Vriens, ), point of sale card reader for retailers (Gómez‐Arias, ), the criteria for contracting credit cards (Baherí, Dalvand, Ansarinejad, Miri‐Nargesi, & Hatami‐Shirkouhi, ; Kara, Kaynak, & Kucukemiroglu, ; Kara, Kaynak, & Kucukemiroglu, ), the contracting of financial products aimed at students (Mankila, ), the choice of plans for pensions (Choi, Ko, & Sohn, ), the taking out of a mortgage (Talaga & Buch, ), the valuation of the banking services offered through a mobile device (Mishra & Bisht, ), and the purchase of shares (Clark‐Murphy & Soutar, ). As far as we are aware, it has not yet been used to analyse the opening of savings products such as deposits.…”

Section: Objective and Methodologymentioning

confidence: 99%

Socially responsible investment: An analysis of the structure of preferences of savers

Mera

Palacios-González

2019

Corp Soc Responsibility Env

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Ethical and charity financial products can be considered as a tool that drives the corporate social responsibility of the financial institutions and, indirectly, that of the companies that try to capture financial resources through them. The objective of this study is to identify the structure of preferences of savers to identify the relative importance of those attributes linked to socially responsible investment. The results allow for an estimation of the market potential of a socially responsible savings deposit and ethical banking.A survey was conducted on 415 Spanish savers, and the analysis has been carried out using conjoint analysis technique.Taking into account the characteristics of their preferences, four groups of savers have been identified: "potential socially responsible savers," "charitable savers,""savers focused on financial return," and "conventional savers based on availability." Some socio-demographic variables are relevant when describing segments of savers: age, educational level, and income level.

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“…Borrowers main focus is the on the size of the payments (Scanlon, Lunde and Whitehead, 2008). Customers prefer or desire the mortgage, which has no additional fees (Talaga and Buch, 1998). Mortgagors hold a prepayment option and it has the direct effect on the decision of the customers (Charlier and Bussel, 2003).…”

Section: Cost Of Mortgagementioning

confidence: 99%

“…Preferable characteristics of mortgage product also vary. Customers compare the total features of the mortgage product of one provider with the other (Talaga & Buch, 1998).…”

Section: Introductionmentioning

confidence: 99%

Determinant Attributes of Customer Choice of Banks, Supplying Mortgage Products

Ahmed¹,

Mahmood²,

Farooq³

2012

JEBS

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The present study focuses on finding out the main attributes that determine the customerâ€™s choice of bank for supplying the mortgage products. The data has been gathered through questionnaires from 400 customers using mortgage products of different banks. Reviewing the literature four variable are taken for study to determine the dependent variable customer choice of banks using mortgage products and they include cost of bank, quality of services, confidence of customer in bank and convenience of customer using mortgage product. Results were analyzed using ordinary least square (OLS) regression and correlation techniques and findings of the data have been tested which appeared as significant statistically. The results indicated that choice of customers for the mortgage product depends on all the independent variables like quality of services, cost of mortgage product, confidence level of customers build by the bank and convenience of the customers. Further analysis can be done on exploring more independent variables, which are important for customers in choosing a bank providing mortgage products.

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Consumer trade‐offs among mortgage instrument variables

Cited by 9 publications

References 6 publications

Measuring perceived service quality using integrated conjoint experiments

Measuring perceived service quality using integrated conjoint experiments

Socially responsible investment: An analysis of the structure of preferences of savers

Determinant Attributes of Customer Choice of Banks, Supplying Mortgage Products

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