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Tytuł:
Regulations as a tool to increase consumer protection on the European retail payment market
Autorzy:
Harasim, Janina
Klimontowicz, Monika
Powiązania:
https://bibliotekanauki.pl/articles/522224.pdf
Data publikacji:
2018
Wydawca:
Uniwersytet Ekonomiczny w Katowicach
Tematy:
Customer protection
Customer risk
Financial markets
Retail payment market
Opis:
Aim/purpose – The purpose of the paper is to identify the main areas of customers’ threats concerning using financial services and the in-depth review of European industry- -specific consumer regulations concerning current accounts and payments. Design/methodology/approach – Desk research including in-depth analysis of industry- specific consumer regulations referring to current accounts and payment services having the character of EU directives and regulations, European Commission reports, and documents. Findings – The paper shows that consumers’ interests are threatened even when they use basic financial services as current account and combined payment instruments. The analysis based on of desk resources has revealed that the regulations give effect to customer protection only if they strictly correspond to defined areas of threats and particular types of risks. Research implications/limitations – The experience of the recent financial crisis proved that the asymmetry of knowledge and information was one of the crucial reasons disrupting customers’ position on financial markets. Research findings will help to identify gaps in regulations and develop the quality of further initiatives aimed on informing customers about the implementation of regulations and improving their financial literacy level. Originality/value/contribution – The payment products are rarely discussed in the literature in the context of consumers’ protection and financial regulations. This paper contributes to the debate by providing an overview of financial consumer protection issues concerning retail payments.
Źródło:
Journal of Economics and Management; 2018, 31; 50-73
1732-1948
Pojawia się w:
Journal of Economics and Management
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Ryzyko lojalnościowe - ze szczególnym uwzględnieniem jego oceny i pomiaru
Loyalty Risk – with Special Consideration to its Evaluation and Measurement
Autorzy:
Hap, Wiesława
Powiązania:
https://bibliotekanauki.pl/articles/1195928.pdf
Data publikacji:
2012
Wydawca:
Szkoła Główna Handlowa w Warszawie
Tematy:
loyalty
risk
risk of customer loyalty
risk manegement
risk assessment methodology
Opis:
Making decisions about investments in human capital is burdened with risk. Therefore, it is necessary to master risk handling. This also applies risking the loyalty of employees in the organization. The article defines the concept of risk based on loyalty and the chosen method attempts to estimate it, indicating the instruments dealing with risk loyalty.
Źródło:
Edukacja Ekonomistów i Menedżerów; 2012, 23, 1; 160-177
1734-087X
Pojawia się w:
Edukacja Ekonomistów i Menedżerów
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Interactive Shopping Aids Usage by Consumers as a Way to Reduce Shopping Risk
Autorzy:
Mącik, Radosław
Nalewajek, Monika
Powiązania:
https://bibliotekanauki.pl/articles/588738.pdf
Data publikacji:
2013
Wydawca:
Uniwersytet Ekonomiczny w Katowicach
Tematy:
Klient
Ryzyko
Customer
Risk
Opis:
Interactive shopping aids (ISA) became widely used by consumers in recent years. Paper presents results from two samples: conducted in 2012 and 2008. Some direct comparisons are made. Declared frequency of ISA usage was the base for analysis of demographic and psychographic variables influence on it with possible interactions. There was also path model utilized. Main findings include: growth of ISA usage popularity with fall of average frequency for particular ISA; age as main factor explaining ISA usage.
Źródło:
Studia Ekonomiczne; 2013, 151; 107-118
2083-8611
Pojawia się w:
Studia Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
E-consumers against the Risk of a Failed Purchase
Autorzy:
Maciejewski, Grzegorz
Powiązania:
https://bibliotekanauki.pl/articles/593276.pdf
Data publikacji:
2013
Wydawca:
Uniwersytet Ekonomiczny w Katowicach
Tematy:
Klient
Ryzyko
Customer
Risk
Opis:
In a common opinion, online shopping is considered more risky than traditional shopping in regular shops. The results of research presented in this article constitute an attempt to look at the issue from a wider perspective. In the article, the following questions have been answered: What apprehensions and doubts accompany e-consumers while making online shopping? Which are the most important for them? What are consumers doing to reduce the risk of a failed purchase? And also how much are e-consumers aware of their rights.
Źródło:
Studia Ekonomiczne; 2013, 151; 119-131
2083-8611
Pojawia się w:
Studia Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Consumer Risk in Consumer-Company Relationship on Market of Professional E-services
Autorzy:
Smyczek, Sławomir
Powiązania:
https://bibliotekanauki.pl/articles/591400.pdf
Data publikacji:
2013
Wydawca:
Uniwersytet Ekonomiczny w Katowicach
Tematy:
Relacje przedsiębiorstwo-konsument
Ryzyko
Enterprise-customer relationship
Risk
Opis:
The purpose of the paper was to identify the risk perceived by the consumer in their relationship with companies on the market of professional e-services and to determine mechanisms employed by consumers in the process of buying and using these services in the virtual environment. Results of research shows that the most important risk for customers are security and functional risk. Consumers try to actively minimize the risk in their market choices by looking for additional information from other sources, mainly the formal ones. Not rarely do they stay loyal to a definite financial institution or a medical unit.
Źródło:
Studia Ekonomiczne; 2013, 151; 68-76
2083-8611
Pojawia się w:
Studia Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Information Quality Management and the Aspect of Profit and Loss in the Customer Service Process
Autorzy:
Żywiołek, J.
Ulewicz, R.
Powiązania:
https://bibliotekanauki.pl/articles/2064956.pdf
Data publikacji:
2018
Wydawca:
STE GROUP
Tematy:
risk management
customer service
quality
information
information flow
Opis:
Risk management is an inseparable part of every organization's life. It should be an integral part of the strategy implemented in all of the organizations. The strategy should be constructed in such a way that the management of the risk functions not only as a system avoiding losses, but also allowing to perceive and use opportunities, and create new opportunities for the organization. The aim of the article is to demonstrate the necessity of analyzing the risk of information quality, which significantly affects the customer service process. This analysis was carried out on the basis of T. Kaczmarek's research, which specified the list of 46 elements of the sick enterprise. On its basis, the areas in which information about customer service were created were analyzed, which allowed to identify potentially threatened places and the effects of these threats. The analysis showed that the highest level of risk is related to the delivery time. Individual and corporate clients pay special attention to the lack, or incorrect information on securing the shipment. The lowest level of risk in the examined enterprise concerns the terms of technical assistance, because this item is usually described by the seller in the purchase regulations.
Źródło:
Multidisciplinary Aspects of Production Engineering; 2018, 1, 1; 537--543
2545-2827
Pojawia się w:
Multidisciplinary Aspects of Production Engineering
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Seniorzy na rynku usług finansowych
Seniors in the financial services market
Autorzy:
Wierzbicka, Ewa
Powiązania:
https://bibliotekanauki.pl/articles/2033958.pdf
Data publikacji:
2022-03-30
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
senior
financial services
financial security
customer of financial institutions
risk
Opis:
The purpose of the article/hipothesis: To determine the trends of changes in the situation of seniors in the financial services market in 2018–2020. The author assesses the standard of living and economic situation of seniors in Poland. The author indicates what factors and conditions affect the activity of seniors in the financial market as well as their safety as clients of financial institutions. According to the author, seniors bear the greater risk while choosing financial products appropriate to their needs and conditions, in comparison with other consumer groups. On a larger scale, this group of consumers is also affected by the risk of mis-selling and fraud, as well as cyber risk. The above-mentioned types of risk are exacerbated by the decreasing availability of financial services that are specifically dedicated to this group of clients. Research method: Critical analysis of the literature on the subject and results of empirical research and statistical data available. Selected reports of institutions such as the Polish Banks Association, the National Bank of Poland, the Credit Information Bureau as well as reports of advisory and consulting companies were also analyzed. Research results: Indication of the basic conditions influencing the economic situation of seniors in Poland and their position as consumers of products offered by the financial intermediaries. Defining the basic determinants of seniors' safety in the financial services market. So far, Poland has not developed a system of comprehensive protection of seniors, based on intergenerational solidarity in which, alongside government and local government institutions, financial intermediaries would actively participate.
Źródło:
Finanse i Prawo Finansowe; 2022, 1, 33; 25-42
2391-6478
2353-5601
Pojawia się w:
Finanse i Prawo Finansowe
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Metody analizy przeżycia w ocenie ryzyka utraty klienta na rynku usług bankowych
Methods of Survival Analysis in an Assessment of Customer Loose Risk in the Banking Services Market
Autorzy:
Skikiewicz, Piotr
Powiązania:
https://bibliotekanauki.pl/articles/589159.pdf
Data publikacji:
2014
Wydawca:
Uniwersytet Ekonomiczny w Katowicach
Tematy:
Analiza ryzyka
Lojalność klientów
Usługi bankowe
Risk analysis
Customer loyalty
Banking services
Opis:
The aim of this research article is to assess the usefulness of survival analysis methods with respect to the response of individual clients to increase in the fees charged by bank for account maintenance. The analysis was carried out with the use of survival tables, Kaplan-Meier method and Cox proportional hazards model. These methods allowed in particular to assess the proportion of bank customers that accept further increases in account fees and to estimate the risk of losing customers when crossing subsequent thresholds of charges. It was found that between groups of customers declaring different levels of loyalty the survival functions there is a statistically significant difference. The estimated Cox proportional hazards models allowed to quantify and compare the risk of losing clients with different levels of loyalty as a result of increase in fees charged by the bank.
Źródło:
Studia Ekonomiczne; 2014, 195; 165-173
2083-8611
Pojawia się w:
Studia Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Ocena bezpieczeństwa obsługi pasażerów na przykładzie Międzynarodowego Portu Lotniczego Katowice
The assessment of safety in the case of passenger service on example of the International Katowice Airport
Autorzy:
Wolny, A.
Wolniak, R.
Powiązania:
https://bibliotekanauki.pl/articles/326310.pdf
Data publikacji:
2018
Wydawca:
Politechnika Śląska. Wydawnictwo Politechniki Śląskiej
Tematy:
customer service level
service quality
security
risk
threats
airport
poziom obsługi klienta
jakość usług
bezpieczeństwo
ryzyko
zagrożenia
port lotniczy
Opis:
The publication presents the results of research on the level of passenger service safety in international airports on the example of the Katowice International Airport in Pyrzowice. The purpose of this publication is to examine the level of service safety at the airport in Pyrzowice.
W artykule przedstawiono wyniki badań dotyczące poziomu bezpieczeństwa obsługi pasażerów na terenie międzynarodowych portów lotniczych, na przykładzie Międzynarodowego Portu Lotniczego Katowice w Pyrzowicach. Celem niniejszej publikacji jest zbadanie poziomu bezpieczeństwa obsługi w porcie lotniczym w Pyrzowicach.
Źródło:
Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska; 2018, 117; 739-753
1641-3466
Pojawia się w:
Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Assessment of suppliers in food business: is there a way to estimate the risk?
Ocena dostawców w sektorze żywnościowym: czy jest metoda szacowania ryzyka?
Autorzy:
Trafialek, J.
Kolozyn-Krajewska, D.
Bliska, B.
Tomaszewska, M.
Grzesinska, W.
Lucke, F. K.
Powiązania:
https://bibliotekanauki.pl/articles/828225.pdf
Data publikacji:
2017
Wydawca:
Polskie Towarzystwo Technologów Żywności
Tematy:
dostawca
relacje dostawca-odbiorca
ocena ryzyka
bezpieczenstwo zywnosci
jakosc zywnosci
zagrozenia
supplier
supplier-customer relationship
risk assessment
food safety
food quality
hazard
Opis:
The objective of the study was to develop an easy-to-apply method for assessing the supplier-linked risk in the food business. The method as suggested in the study makes it possible to calculate, using simple mathematical tools, a level of risk involved in the cooperation with a particular supplier. The risk assessment is based on six criteria set for every supplier: type of commodities or products provided by the supplier; period of the cooperation with the supplier; systems applied by the supplier to assure quality and safety; past performance of the suppliers with respect to delayed deliveries, cancelled deliveries, and claimed deliveries owing to improper quality of raw materials. The method developed was validated in three companies: meat plant, dairy plant, and catering facility. A simple method was proposed to assess what risk a particular supplier could bring on the quality and safety of finished food product. This risk assessment method can be applied in different food businesses. The greatest benefit of the method developed consists in its ease of use and functionality. The suggested method can be used by small companies and it does not require any complicated calculations or advanced statistical techniques. The method can be very useful for enterprises; however, it has certain limitations such as knowledge and awareness of its users.
Celem pracy było opracowanie łatwej do zastosowania metody oceny ryzyka związanego z dostawcami w sektorze żywnościowym. Metoda zaproponowana w pracy umożliwia obliczenie poziomu ryzyka współpracy z danym dostawcą w prosty matematyczny sposób. Ocena ryzyka bazuje na sześciu kryteriach dla każdego dostawcy: rodzaju towarów lub produktów dostarczanych przez dostawcę, czasie współpracy z dostawcą, systemach stosowanych przez dostawcę do zagwarantowania jakości i bezpieczeństwa, opóźnionych i odwołanych dostawach, zareklamowanych dostawach z powodu nieodpowiedniej jakości surowców. Metoda została zwalidowana w trzech zakładach: mięsnym, mleczarskim i gastronomicznym. Zaproponowano prostą metodę oceny ryzyka danego dostawcy w aspekcie wpływu na jakość i bezpieczeństwo produktu. Metoda może być stosowana w zakładach różnych branż. Największą korzyścią zaproponowanej metody jest jej łatwość stosowania oraz funkcjonalność. Może być wykorzystana w małych zakładach i nie wymaga stosowania skomplikowanych obliczeń, czy zaawansowanych statystycznych narzędzi. Metoda może być bardzo pomocna w przedsiębiorstwach, ale ma pewne ograniczenia, jak wiedza i świadomość użytkowników.
Źródło:
Żywność Nauka Technologia Jakość; 2017, 24, 1
1425-6959
Pojawia się w:
Żywność Nauka Technologia Jakość
Dostawca treści:
Biblioteka Nauki
Artykuł
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