Formation of Ecosystem Marketing Concept Sekerin, V D; Gorlevskaya, L E; Gusov, A Z ...
Journal of Environmental Management & Tourism,
04/2018, Letnik:
9, Številka:
1(25)
Journal Article
Economic ecosystems were considered in the paper. The concept of ecosystem marketing was proposed and disclosed. The effective functioning of ecosystems facilitates mutual with the consumer and other ...interested parties creation of values, allows working quicker with less expenditures, with risk sharing, making reasonable decisions in the real time mode. Application of the concept of ecosystem marketing allows companies to gain competitive advantages under conditions of turbulent medium. The classification of ecosystems was proposed in such directions as business, socium, state and science. An ecosystem approach in marketing allows building effective interactions and acts as a way of achieving goals. The authors substantiated the formation of ecosystem flexibility as a strategic goal of the ecosystem marketing. The developed methodology of calculating the ecosystems' flexibility allows assessing their flexibility at different levels.
In recent years, planners have looked toward traffic information systems as an immediate solution to the congestion on U.S. highways. ITS systems are low-cost relative to many alternatives, and ...simple implementation allows for quick results. Alongside these investments has been research investigating the use of information systems by drivers and the results to be expected. Many studies have shown that the primary source of information for drivers has been broadcast systems such as the radio (e.g. Yim et al., 1997). Additional research has addressed other media which are used to transmit information to its users, yet little has been presented toward the development of economic models to represent the behavior of the providers of broadcast information. This paper will serve as an attempt to fill that gap.
Advocates of new financial services frequently prefer to focus on customer benefits or the technological advances involved, rather than discuss fees. However, fees, and the consumers' willingness to ...pay them, can be vital in determining a banking service's success. It appears that point-of-sale (POS) services may be entering an era in which pricing will be particularly important, at least partially because of the difficulty that POS has had in attaining wide acceptance. At the present time, the pricing of POS services is usually determined by contractual agreement between the participating retailer and the bank that supplies the service. The Electronic Funds Transfer Association Task Force on Cash Card and EFT/POS examined the barriers to POS usage. It recommended increased dissemination of standards information and that POS providers avoid the term "debit card" in marketing services to consumers.
The Switch to Service Radigan, Joe
Bank systems + technology,
12/1990, Letnik:
27, Številka:
12
Magazine Article
Now that automated teller machine (ATM) networks have been installed so widely, the challenge is how to increase the number of transactions performed at each terminal. Proprietary networks and the ...largest switches are able to offer services that regional banks simply cannot match. CoreStates Financial Corp.'s Richard Epps reports that ATMs have nearly reached a saturation point for the kinds of transactions that bankers have led consumers to do - largely cash withdrawals. The challenge is to increase the percentage of retail transactions handled at ATMs versus those handled at teller windows. Meridian Bancorp Inc.'s Susan Miller feels that just as crucial is moving ATM customers to a much broader-based system. Consumers must be convinced to use ATMs more frequently, while the ATMs must be upgraded to allow customers to perform more types of transactions. Underlying much of the latter activity is an awareness in the financial community that convenience for customers is critical. Among the avenues being explored are point-of-sale terminals and electronic benefits transfer.
While point-of-sale (POS) banking often is discussed, little action is taken to implement it. POS usually is meant to be the transfer of funds from the consumer's account to the retailer's at the ...time of purchase. Three different groups must accept the idea of POS for it to work -- bankers, retailers, and consumers. The primary reason for the holdup of POS banking is the inability to get the support of retailers, according to Robert P. Barone, president of Diebold Inc. He said that banks have not made the cost of debit card transactions low enough to interest retailers. William H. Petrarca of National City Bank said that one of the major reasons why debit cards have not become popular is the failure to provide the consumer with adequate incentive. A thorny question is still who pays for POS payment systems. If POS evolves into a competitive issue, retailers might be willing to pay part of the cost. POS systems can be online, offline, or a hybrid of the different systems.
The financial services industry has recognized the US public's desire for convenience and has responded by offering such alternatives as: 1. checks instead of cash, 2. credit cards instead of checks, ...and 3. cash dispensers instead of checks and credit cards. The key to promoting any of these options lies in the factors of: 1. time, 2. education, 3. advertising, and 4. incentives. In 1983, Payment Systems Inc. conducted nationwide consumer research to gather information relevant to consumers' payment habits. The survey showed that consumers are willing to switch from using checks, cash, and credit cards for payment using debit cards, although current use of debit cards is very low. A case study illustrates the successful incentive program executed by Wilmington Savings Fund Society (Delaware) when it launched its debit card in 1972. An educational promotion of the convenience and benefits of direct debit and the promotion of the incentive (a 2% discount) convinced consumers to switch to direct debit.
