Izvorni znanstveni članak
https://doi.org/10.1080/1331677X.2022.2142806
Holding accounts in several banks - a conscious or reckless consumer?
Tomasz Szopiński
Sažetak
Service providers are in a fierce competition for their clients’ loyalty,
encouraging them to participate in loyalty programs or to
install mobile applications. Split loyalty is becoming more popular
on the banking services market. This means that customers are
loyal to two or three companies or service providers by buying or
using their products or services interchangeably. This phenomenon
may be further explained by the liberalization of the banking sector,
for example through the Payment Services Directive (PSD2).
Whilst the unbanked are a commonly analyzed subject, the overbanked
have not yet been examined in the literature. The aim of
the current article is to answer the following question: is having
accounts in multiple banks connected with customer recklessness
or consumer awareness? The analysis carried out by the author of
this paper shows that people who have accounts in many banks:
are aware of the guaranteed amounts of deposits in banks operating
in Poland, compare offers in different banks, and are less likely
to be victims of phishing. Results show that awareness increases
with respondents’ age. Age is a variable which directly and indirectly
affects the number of accounts held in different banks.
Ključne riječi
Banking services; overbanked; multiple bank account ownership; split loyalty
Hrčak ID:
306778
URI
Datum izdavanja:
30.4.2023.
Posjeta: 153 *