Estrategias de lealtad de clientes en la banca universal

Autores/as

  • María Virginia Baptista Profesora, Departamento de Ciencias Administrativas, Universidad de Los Andes, Mérida, Venezuela
  • María de Fátima León Profesora, Centro de Investigaciones y Desarrollo Empresarial, Universidad de Los Andres, Mérida, Venezuela

DOI:

https://doi.org/10.1016/j.estger.2013.05.007

Palabras clave:

Estrategias, Marketing relacional, Satisfacción y compromiso

Resumen

Esta investigación parte de los resultados obtenidos en el estudio previo sobre segmentación de lealtad declientes de la banca universal en el municipio Libertador del estado de Mérida (Venezuela), considerandolas dimensiones de satisfacción y compromiso. El objetivo principal es proponer estrategias dirigidas aincrementar los niveles de satisfacción y compromiso en cada segmento identificado en dicho estudio.A través de la investigación cuantitativa apoyada en el análisis estadístico correlacional se analizan losatributos que los usuarios consideraron más importantes y que al mismo tiempo no valoraron satisfacto-riamente; asimismo, se identifican las fallas del servicio en estos atributos, elementos del compromiso quetuviesen baja presencia y las correlaciones moderadas positivas entre satisfacción y compromiso. Todoesto permite proponer estrategias en el contexto del marketing relacional que pueden ser adoptadas porla banca para mejorar la lealtad de sus clientes.

Descargas

Los datos de descarga aún no están disponibles.

Biografía del autor/a

  • María Virginia Baptista, Profesora, Departamento de Ciencias Administrativas, Universidad de Los Andes, Mérida, Venezuela

Referencias

Alcaide J, Soriano C. Marketing bancario relacional: cómo crear la percepción de valor en la relación con cada cliente. Madrid: McGraw-Hill/Interamericana; 2006.

Alet J. Marketing relacional. Cómo obtener clientes leales y rentables. 2.a ed. Gestión 2000: Barcelona; 2000.

Alfaro M. Temas claves en marketing relacional. Madrid: McGraw-Hill/Interamericana; 2004.

Allen N, Meyer J. The measurement and antecedents of affective, continuance and normative commitment to the organization. Journal of Occupational Psychology. 1990; 63(1):1-18.

American Marketing Association (2004). Board of Directors. Disponible en: www.marketingpower.com (consultado 18 Nov 2010).

Anderson E, Weitz B. The use of pledges to build and sustain commitment in distribution channels. Journal of Marketing Research. 1992; 29:18-34.

Anderson E, Fornell C, Lehmann D. Customer satisfaction, market share and profitability: Finding from Sweden. Journal of Marketing. 1994; 58(3):53-65.

Arellano R. Comportamiento del consumidor: enfoque América Latina. México: Mc Graw Hill/Interamericana; 2002.

Assael H. Consumer behavior and marketing action. 3rd ed. California: Pws Kent; 1987.

Ballantyne D. Marketing at the crossroads: An editorial commentary on relationship marketing. Asia-Australia Marketing Journal. 1994; 2(1):1-7.

Baloglu S. Dimensions of customer loyalty. Separating friends from well wishers. Cornell Hotel & Restaurant Administration Quarterly. 2002; 43(1):47-59.

Bansal H, Irving P, Taylor S. A three-component model of customer commitment to service providers. Journal of the Academy of Marketing Science. 2004; 32(3):234-50.

Baptista M. Comportamiento de lealtad de clientes en los segmentos identificados en la banca universal. Tesis (Magister Scientiae). Mérida: Universidad de Los Andes. Maestría en Administración; 2011.

Bass F. The theory of stochastic preference and brand switching. Journal of Research. 1974; 11(1):1-20.

Berné C, Múgica J, Yagüe M. La gestión estratégica y los conceptos de calidad percibida, satisfacción del cliente y lealtad. Economía Industrial. 1996; 307:63-74.

Bennett R. Relationship formation and governance in consumer markets: Transactional analysis versus the behavioural approach. Journal of Marketing Management. 1996; 12(5):417-36.

Berry L. Relationship Marketing. En: Berry L.L., Shostack G.L., Upah G., editors. Emerging perspectives on services marketing. Chicago, IL: American Marketing Association; 1983.

Berry L, Parasuraman A. Competing through quality. New York: Free Press; 1991.

Bettencourt L. Customer voluntary performan Customers as partners in service delivery. Journal of Retailing. 1997; 73(3):383-406.

Bharadwaj S, Varadarajan P, Fahy J. Sustainable competitive advantage in service industries: A conceptual model and research propositions. Journal of Marketing. 1993; 57:83-99.

Bloemer J, de Ruyter K. On the relationship between store image, store satisfaction and store loyalty. European Journal of Marketing. 1998; 32(5/6):499-513.

Bloemer J, Poiesz T. The illusion of consumer satisfaction. Journal of Satisfaction, Disatisfacion and Complaining Behavior. 1989; 2:43-8.

Brown J. Brand loyalty fact or fiction?. Advertising. 1953; 19:53-5.

Buchanan B. Building organizational commitment: The socialization of managers in work organizations. Administrative Science Quarterly. 1974; 19:533-46.

Butcher K, Beverley S, Frances O. Evaluative and relational influences on service loyalty. International Journal of Service Industry Management. 2001; 12(4):310-27.

Casaló L, Flavián C, Guinalíu M. The influence of satisfaction, perceived reputation and trust on a consumer's commitment to a website. Journal of Marketing Communications. 2007; 13(1):1-17.

Cater B, Zabkar V. Antecedents and consequences of commitment in marketing research services: The client's perspective. Industrial Marketing Management. 2008; 38(7):785-97.

Chang C, Tu C. Exploring store image, customer satisfaction and customer loyalty relationship: Evidence from Taiwanese hypermarket industry. The Journal of American Academy of Business. 2005; 7(2):197-202.

Churchill G, Surprenant C. An investigation into the determinants of customer satisfaction. Journal of Marketing Research. 1982; 19:491-504.

Christopher M, Payne A, Ballantine D. Marketing relacional. Integrando la calidad, el servicio al cliente y el marketing. Madrid: Díaz de Santos; 1994.

Clark M, Payne A. Achieving long-term customer loyalty: A strategic approach. En: Payne A., editors. Advances in relationship marketing. London: Kogan Page; 1995. 53-65.

Colmenares O, Saavedra J. Aproximación teórica de la lealtad de marca: enfoques y valoraciones. Cuadernos de Gestión. 2007; 7(2):69-81.

Copeland M. Relation of consumers' buying habits to marketing methods. Harvard Business Review. 1923; 1(3):282-9.

Cotton J. Employee involvement: Methods for improving performance and work attitudes. New York: Sage Publications; 1993.

Cronin J, Taylor S. Measuring service quality: A reexamination and extension. Journal of Marketing. 1992; 56(3):55-68.

Cunninghan R. Brand loyalty: What, where, how much?. Harvard Business Review. 1956; 34:116-28.

Day G. A two-dimensional concept of brand loyalty. Jounal of Advertising Research. 1969; 9(3):29-35.

Delgado E. Perspectiva de estudio de la lealtad a la marca. Cuadernos de Administración. 2001; 26:59-85.

Delgado E. Estado actual de la investigación sobre lealtad de marca: una revisión teórica. Revista de Dirección, Organización y Administración de Empresas. 2004; 30:16-24.

De Wulf K, Odekerken-Schröder G. Assessing the impact of a retailer's relationship efforts on consumer' attitudes and behaviour. Journal of Retailing and Consumer Services. 2003; 10:95-108.

Dick A, Basu K. Customer loyalty: Toward an integrated conceptual framework. Journal of the Academy of Marketing Science. 1994; 22(2):99-113.

Dwyer F, Schurr P, Oh S. Developing buyer-seller relationships. Joumal of Marketing. 1987; 51(2):2-27.

Evans J, Laskin L. The relationship marketing process: A conceptualisation and application. Industrial Marketing Management. 1994; 23:439-52.

Fishbein M, Ajzen I. Belief, attitude intention and behavior: Introduction to theory and research. Reading MA: Addison-Wesley; 1975.

Fornell C. A national customer satisfaction barometer: The Swedish experience. Joumal of Marketing. 1992; 56(1):6-21.

Geyskens I, Steenkamp J, Scheer L, Kumar N. The effects of trust and interdependence on relationship commitment: a Trans-Atlantic study. International Journal of Research in Marketing. 1996; 13(4):303-17.

Gilliland D, Bello D. Two sides to attitudinal commitment: The effects of calculative and loyalty commitment on enforcement mechanism in distribution channels. Journal of the Academy of Marketing Science. 2002; 30(1):24-43.

Gremler D, Brown S. Service loyalty: Its nature, importance and implications. En: Edvardsson B., Brown S., Johnston R., Scheuing E., editors. Advancing service quality: A global perspective. International Service Quality Association; 1996. 171-80.

Gronroos C. From marketing mix to relationship marketing: Toward a paradigm shift in marketing. Australian Marketing Journal. 1994; 2(1):9-29.

Grönroos C. Defining marketing: A market-oriented approach. European Journal of Marketing. 1989; 23(1):52-60.

Grönroos C. Relationship approach to marketing in service contexts: The marketing and organizational behavior interface. Journal of Business Research. 1990; 20(1):3-11.

Grönroos C. Relationship marketing: Interaction, dialogue and value. Meddelanden Working Papers, Swedish School of Economics and Business Administration, Finland. 1997.

Gummesson E. Broadening and specifying relationship marketing. Asia-Australia Marketing Journal. 1994; 2(1):31-43.

Gundlach G, Achrol R, Mentzer J. The structure of commitment in exchange. Journal of Marketing. 1995; 59(1):78-92.

Hayes B. Cómo medir la satisfacción del cliente. Barcelona: Gestión 2000; 2002.

Hunt H. CS/D-overview and future research directions. En: Hunt H.K., editors. Conceptualization and measurement of consumer satisfaction and dissatisfaction. Cambridge, MA: Marketing Science Institute; 1977. 455-88.

Iglesias O. El marketing relacional y las relaciones como ejes fundamentales del marketing en el sector turismo. I Coloquio Predoctoral Europeo de Turismo ESADE-IMHI (CORNELL-ESSEC); 2003.

Iniesta M, Giménez M (2002). Fidelidad y compromiso en los servicios financieros. Boletín Económico de ICE - Información Comercial Española, 2724. Disponible en: http://dialnet.unirioja.es/servlet/articulo?codigo=237709 (consultado 25 Nov 2010).

Ishida C, Keith J. Social exchange perspective on consumer loyalty. Marketing, theory and applications. vol. 17. American Marketing Association Winter Educators-Conference; 2006. 15-6.

Jacoby J, Chestnut R. Brand loyalty: Measurement and management. New York: Wiley & Sons; 1978.

Jacoby J, Kynner D. Brand loyalty versus repeat purchasing behavior. Journal of Marketing Research. 1973; 10:1-9.

Jackson B. Build customer relationships that last. Harvard Business Review. 1985; 63(6):120-8.

Jeuland A. Brand choice inertia as one aspect of the notion of brand loyalty. Management Science. 1979; 25(7):671-81.

Johnson A, Fornell C. A framework for comparing customer satisfaction across individuals and product categories. Journal of Economic Psychology. 1991; 12(2):267-86.

Jones T, Sasser W. Why satisfied customers defect?. Harvard Business Review. 1995; 73:88-99.

Kalleberg A, Reve T. Contrast and commitment economic and sociological perspective on employment relations. Human Relations. 1992; 45(9):1103-32.

Keller K. Conceptualizing, measuring, and managing customer-based brand equity. Journal of Marketing. 1993; 57:1-22.

Krishnamurthi L, Raj S. An empirical analysis of the relationship between brand loyalty and consumer price elasticity. Marketing Science. 1991; 10(2):172-83.

Kumar N, Hibbard J, Stern L. An empirical assessment of the nature and consequences of marketing channel intermediary commitment. Report No. 94-115. Cambrige: Marketing Science Institute; 1994.

Kumar N, Scherr L, Steenkamp J. The effects of perceived interdependence on dealer attitudes. Journal of Marketing Research. 1995; 32(3):348-56.

Lawrence X, Trapey S. Brand loyalty revisited: a commentary. Journal of Marketing Research. 1975; 12:488-91.

McConnell J. The development of brand loyalty: An experimental study. Journal of Marketing Research. 1968; 5:13-9.

McKenna R. Marketing de relaciones: cómo realizar y mantener un vínculo permanente entre la empresa y sus clientes. Barcelona: Paidós; 1995.

Mellens M, Dekimpe M, Steenkamp J. A review of brand-loyalty measures in marketing. Tijdschrift voor Economie en Management. 1996; 12(4):507-33.

Meyer J, Allen N, Smith C. Commitment to organizations and occupations: Extension and test of a three-component conceptualization. Journal of Applied Psychology. 1993; 78(4):538-51.

Morgan R, Hunt S. The commitment-trust theory of relationship marketing. Journal of Marketing. 1994; 58(3):20-36.

Newman J, Werbel R. Multivariate analysis of brand loyalty for major household appliances. Journal of Marketing Research. 1973; 10(4):404-9.

Oliver R. Whence consumer loyalty?. Journal of Marketing. 1999; 63(Special issue):33-44.

Park H. The relationship between brand loyalty and financial performan An empirical study on the hotel industry in Las Vegas (Thesis of Master Science Degree). Las Vegas: University of Nevada; 2006.

Parasuraman A, Zeithaml V, Berry L. A conceptual model of service quality and its implications for future research. Joumal of Retailing. 1985; 49:41-50.

Peiró J, Prieto F. Tratado de psicología del trabajo: aspectos psicosociales del trabajo. vol. 2. Madrid: Síntesis; 1996.

Price L, Arnould E. Commercial friend-ships: Service provider-client relationships in context. Journal of Marketing. 1999; 63:38-56.

Reichheld F. Loyalty-based management. Harvard Business Review. 1993; 71(2):64-71.

Reinares P, Ponzoa J. Marketing relacional: un nuevo enfoque para la seducción y fidelización de clientes. Madrid: Prentice Hall; 2006.

Roberts K, Varki S, Brodie R. Measuring the quality of relationships in consumer services: An empirical study. European Journal of Marketing. 2003; 37(1/2):69-196.

Rust R, Zahorik A. Customer satisfaction, customer retention and market share. Journal of Retailing. 1993; 69(2):193-215.

Samuelson B, Sandivik K. The concept of customer loyalty. Marketing Progress, Prospects, Perspectives. vol. 3. Warwick: EMAC Proceedings, Warwick Business School; 1997. 1122-40.

Samy B, Azza T. The role of attachment in building consumer-brand relationships: An empirical investigation in the utilitarian consumption context. Journal of Product & Brand Management. 2011; 20(1):37-47.

Shani D, Chalasani S. Exploiting niches using relationship marketing. Journal of Services Marketing. 1992; 6(4):43-52.

Sheth J, Parvariyar A. Relationship marketing in consumer markets: Antecedents and consequences. Journal of the Academy of Marketing Science. 1995; 23(4):255-71.

Setó D. La fidelidad del cliente en el ámbito de los servicios: un análisis de la escala ''intenciones de comportamiento''. Investigaciones Europeas. 2003; 9(2):189-204.

Setó D. De la calidad de servicio a la fidelidad del cliente. Madrid: Esic; 2004.

Suárez L, Vásquez R, Díaz A. La confianza y el compromiso como determinantes de la lealtad: una aplicación a las relaciones de las agencias de viaje minoristas con sus clientes. Revista de Análisis Turístico. 2007; 4:68-87.

Superintendencia de Bancos y otras Instituciones Financieras (SUDEBAN), (2010). Información estadística: Bancos y otras Instituciones financieras. Superintendencia de Bancos y otras Instituciones Financieras: Directorios. Disponible en: http://sudeban.gob.ve/inf_estadistico.php (consultado 1 Oct 2010).

Tellis G. Advertising exposure, loyalty, and brand purchase: A two-staged model of choice. Journal of Marketing Research. 1988; 15(2):134-44.

Tucker W. The development of brand loyalty. Journal of Marketing Research. 1964; 3:32-5.

Valdunciel L, Flórez M, Dávila J. Análisis de la calidad del servicio que prestan las entidades bancarias y su repercusión en la satisfacción del cliente y la lealtad hacia la entidad. Revista Asturiana de Economía. 2007; 38:79-107.

Zeithaml V, Bitner M. Marketing de servicios. México: McGraw-Hill/Interamericana; 2002.

Zeithaml V, Berry L, Parasuraman A. The behavioral consequences of sevice quality. Journal of Marketing. 1996; 60(2):31-46.

Zins A. Timing and contextual effects on satisfaction measurement. European Advances in Consumer Research. 2001; 5:37-45. Disponible en: http://www.acrwebsite.org/volumes/display.asp?id=11177 (consultado 25 Nov 2010).

Descargas

Publicado

2013-05-15

Número

Sección

Artículo de investigación

Cómo citar

Estrategias de lealtad de clientes en la banca universal. (2013). Estudios Gerenciales, 29(127), 189-203. https://doi.org/10.1016/j.estger.2013.05.007