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nvestigating factors affecting the behavior of legal customers of the bank
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Parvanh Jafari1   , Hamid Asaysh 2, Mahdi Kamali3 , Mahdi Zahid Gharavi4 |
1- Doctoral student of Economics, Department of Economics, Aligudarz Branch, Islamic Azad University, Aligudarz, Iran.
2- Associate Professor, Department of Economics, Ayatollah Borujerdi University, Borujerd, Iran , hamid.asayesh@abru.ac.ir
3- Assistant Professor, Department of Economics, Qeshm Branch, Islamic Azad University, Qeshm, Iran
4- Assistant Professor, Department of Economics, Ayatollah Borujerdi University, Borujerd, Iran |
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Abstract: (761 Views) |
It should be planned regarding the attraction of different types of deposits because the cost of attracting new customers is actually higher than the cost of retaining current customers, so the purpose of this research is to evaluate the needs and expectations and finally to estimate the financial behavior of real customers of the bank in conditions of uncertainty. In this research, first, using Friedman's demand, the initial model was defined, and with the help of experts and a hierarchical analysis questionnaire, related indicators were determined, and finally, using the simultaneous equations of the model, the factors affecting the demand and the needs and expectations of real customers were determined according to the research results. Exchange rate fluctuations have a significant negative effect on both demand for current loan deposits and savings and long-term investment deposits. Payment facilities and electronic banking have a significant positive effect on both the demand for current loan deposits and savings and term investment deposits, and the interest rate of deposits on the demand for current loan deposits and savings has a significant negative effect on the demand for term investment deposits. It has a significant positive effect. Inflation has a significant positive effect on the demand for current loan deposits and savings, and a significant negative effect on the demand for long-term investment deposits. The cost of facility fees has a significant negative effect on the demand for current loan deposits and savings. The premium deposit interest rate has a significant positive effect on the demand for long-term investment deposits. National income has a significant positive effect on the demand for long-term investment deposits.
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Article number: 18 |
| Keywords: Need, expectation, demand, real bank customers, simultaneous equations, hierarchical analysis |
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Full-Text [PDF 957 kb]
(189 Downloads)
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Article type: Research |
Subject:
Special
Received: 2023/05/29 | Accepted: 2023/08/10 | Published: 2023/10/2
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