Specifičnosti marketinga finansijskih organizacija
Marketing Particularities in Financial Organizations
Apstrakt
Osnovni cilj marketing orijentisane finansijske organizacije jeste superiorno (u odnosu na konkurente) zadovoljenje sadašnjih i budućih potreba klijenata uz ostvarivanje željene dobiti koja će obezbediti njen dalji (održivi) rast i razvoj i jačanje tržišne pozicije u odnosu na konkurenciju. Ostvarivanje dobrih marketinških i ukupnih poslovnih performasi podrazumeva da finansijska organizacija kontinuirano inovira svoj portfolio proizvoda i usluga. Finansijski resursi svake organizacije su limitirani i, sledstveno tome, moraju se alocirati na pojedinačne instrumente marketing miksa na takav način koji će doneti najbolje rezultate organizaciji i istovremeno pružiti najviše koristi potrošačima i drugim stejkholderima. Koliki će iznos sredstava odvojiti za svaki pojedinačni element marketing miksa, u dobroj meri zavisi i od toga koliki stepen važnosti finansijska organizacija pridaje pojedinim elementima, od stepena njihove delotvornosti i doprinosa pojedinih instrumenata učinku ukupnog miksa. U ovom radu se prezentuju osnovni modeli marketinga finansijskih usluga i budžetiranja promocije, kao i rezultati empirijskog istraživanja strukture i dinamike ulaganja finansijskih organizacija Srbije u promociju u proteklom četvorogodišnjem periodu. U tom kontekstu prikazani su i empirijski rezultati koji otkrivaju učestalost upotrebe metoda koje finansijske organizacije Srbi-je primenjuju prilikom određivanja svojih budžeta za marketing.
Abstract
Acceptance of marketing as a business concept in financial organizations, implies that the respective organization adopts the following marketing postulations: value of action capital conclusively depends on the client (value); key goal of marketing management in financial organizations is to attract new and retain existing clients; clients are attracted by delivering superior value/offer, and retaind by generating client satisfaction; in creating and deliver-ing superior quality (value), marketing must have full colaboration with other departments (functional business areas). Due to the financial services nature, marketing management demands the classical marketing mix concept to accomodate and expand with respect to basic 4P concept, by adding new elements related to humen force (employees), physical environment and the manner in which they provide services to their clients. Therefore we believe that for the financial organizations 7P, namely 7C model is more adequate than classical model, and that it represents conceptual frame that identifies wider spectar of marketing management tools. In addition, we would like to emphasize that the advertisment, that participates with over 2/3 in total marketing budget, represents the dominant promotional form and that the budget structure for advertizing is commonly defined by the goal and task method, that stands for an important indicator of proper market orientation of financial organizations in Serbia.
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