A avaliação do relacionamento sob a ótica do cliente: um estudo em bancos de varejo
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2004-06-23
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Santos, Rubens da Costa
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The purpose of this thesis was to extend the Relationship Marketing knowledge, focusing on the evaluative process between banks and users. The proposed model was verified at Curitiba in 3 different stages. The first one was composed by 11 in depth interviews with special account clients. The second stage (Quantitative - Preparatory) was divided into 3 sub-samples (n=150. N=61; And n=60) with similar interviewees profile. Finally, the third stage (Descriptive - Conclusive Quantitative) accomplished a sample size of 480 to allow the test of the structural model. Based on a structural model, it was verified the relationship among Satisfaction (and his antecedents Affective Responses, Relationship Benefits and Service Quality), the Relationship Quality elements (centered in Trust and Commitment), and the Bank Loyalty. The largest effect on Satisfaction was caused by Service Quality and Relationship Benefits, as well as a lower, but significant, impact of Affective Responses over it. The Service Quality had, in an alternative model configuration, an important effect over Trust, and the Relationship Benefits showed the same behavior over Trust and Commitment. The Relationship Quality constructs showed an influence to each other (Satisfaction to Trust and Commitment, Trust to Commitment). The Commitment, here proposed as an Attitudinal Loyalty dimension, had the largest influence on Loyalty (as a behavioral dimension), followed by Trust. The main effect of Satisfaction over Loyalty was indirect. A second result of this thesis was the development of a Relationship Intensity evaluation model, based on the usage of financial products. Through Latent Trait Analysis, it was possible to identify a financial products acquisition order, as well as to generate a model that allows the purchase prediction of other products related with the actual product usage of each individual. A Relationship Intensity based typology was relevant to explain some differences in the customer relationship evaluation constructs.