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Investigating the influencing factors on the banking industry and its impact on obtaining a competitive advantage in Bank Sepe Mashhad

Number of pages: 145 File Format: word File Code: 31246
Year: 2013 University Degree: Master's degree Category: Management
Tags/Keywords: Banking - Banking industry - Gaining a competitive advantage in the bank - Strategic management
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  • Summary of Investigating the influencing factors on the banking industry and its impact on obtaining a competitive advantage in Bank Sepe Mashhad

    Dissertation for Master's degree (M.A)

    Trend: "Strategic"

    Abstract:

    Competitive advantage is a set of unique abilities of an economic unit that allows it to penetrate the desired markets and provide superiority over competitors. To define the competitive advantage of an economic unit, the management must make a complete assessment of the internal and external environment of the unit. When the manager can find a strong point inside his economic enterprise that both matches the needs of the market and creates a relative advantage in the market, it can be said that he has achieved a competitive advantage. Companies in the fields of technology, management and marketing can have a competitive advantage over their competitors, which can be influenced by several factors. The purpose of this research was to investigate the factors affecting the banking industry and its effect on gaining a competitive advantage in Bank Sepeh Mashhad. For this purpose, 119 heads, assistants and staff of Bank Sepeh branches in Mashhad were selected by simple random sampling and answered the questionnaire prepared by the researcher. In order to check the validity and reliability of the data collection tool (questionnaire), we have confirmed its validity using expert opinion method and its reliability using Cronbach's alpha method (above 70%). The analysis of the data obtained from the present research includes two parts: descriptive statistics (tables and frequency charts for demographic variables, as well as the description of central indicators as well as dispersion indicators) and inferential statistics (Klomgorov Smironov test, correlation coefficient and regression test). The analysis of research hypotheses was used.

    1) Advertising as one of the factors affecting the banking industry is effective on creating competitive advantage.

    2) Marketing as one of the factors affecting the banking industry is effective on creating competitive advantage.

    3) Customer satisfaction as one of the factors affecting the banking industry is effective on creating competitive advantage.

    4) The quality of banking services is one of the factors affecting the banking industry. It affects the creation of competitive advantage.

    5) Responsiveness as one of the factors affecting the banking industry affects the creation of competitive advantage.

    6) Security as one of the factors affecting the banking industry affects the creation of competitive advantage.

    7) Customer relationship management as one of the factors affecting the banking industry affects the creation of competitive advantage.

    8) Brand name as one of the factors affecting the The banking industry has an effect on creating a competitive advantage. 9) Information technology as one of the factors affecting the banking industry has an effect on creating a competitive advantage. 10) Customer loyalty as one of the factors affecting the banking industry has an effect on creating a competitive advantage. 11) Employees as one of the factors affecting the banking industry has an effect on creating a competitive advantage. Friedman shows that there is a significant difference among the factors affecting the creation of competitive advantage in Bank Sepe Shahr Mashhad branches in terms of priority. Thus, the quality of banking services (with an average rating = 8.60) is the first priority and information technology (with an average rating = 2.24) is the 11th priority.

    Keywords: advertising, marketing, customer satisfaction, quality of banking services, accountability, security, customer relationship management, brand name, information technology, loyalty of customers and employees, competitive advantage.

    Chapter 1

    General research

    Introduction

    Undoubtedly, banks in Iran's economy, like other countries, as one of the most important intermediary tools in the position of financial organizations, help the government in implementing monetary policies (expansion and contraction). Iran's banking industry is approaching extensive changes. The prospect of intensifying competition in this industry, moving towards economic liberalization and approaching international markets in the not-so-distant future has created conditions in which strategic planning has become especially important for banks (Kermanshah and Abdi, 2015).In this regard, this research aims to examine the factors affecting the banking industry and its impact on gaining a competitive advantage in Bank Sepe Mashhad. First, the main problem of the research is stated, then the importance and necessity of the research is examined, and then the basic objectives of the research, the research questions, the theoretical framework of the research, the research model, and the definition of the words and specialized terms of the research are discussed, and at the end, the limitations of the research are mentioned. (Herschel, 2005: 144). Sinkola et al. (1997) [1] suggest that the identification of these factors not only leads to innovation in the organization, but may be the only effective factor in maintaining competitive advantages (Chang at.all, 2010: 3792-3792). Also, so that Buhler (2002); Davies and Daly (2008); Kurth (2007) [2] mentions them as one of the most important strategies for improving the performance of organizations and maintaining the competitive advantages that the organization has achieved (Weldy, 2009: 59-60). Because having a deep knowledge of these organizational and environmental factors that have a great impact on the quality of management decisions in the organization (Zamani et al., 2017: 14).

    Also, on the other hand, experts and researchers believe that performance is a main issue in all organizational analyzes and it is difficult to imagine an organization that does not include performance evaluation and measurement. On the other hand, the business must be flexible enough and have specific strategies to manage both unpredictable threats and opportunities in the uncertain future and unstable environment. Therefore, having specific strategies to adapt to the turbulent business environment in order to maintain a competitive advantage is one of the basic challenges facing today's managers (Elahi and Mehdipour, 2011).

    According to the above-mentioned materials, considering that the researcher has several years of experience in Sepeh Shahr Bank of Mashhad, he is aware that attracting customers depends on understanding their wants and needs and the competitive strategies that the bank has in the market. In general, the researcher's concern is what are the factors affecting the banking industry and how much is its effect on gaining a competitive advantage in Sepeh Bank Mashhad? Therefore, taking into account the mentioned factors and the vital importance of banks' activities for the society, it seems necessary to conduct the present research, and in a way it can be claimed that the concern exists and also due to the lack of such a study in the banking industry, the researcher is trying to investigate the factors affecting the banking industry and its impact. 1-3- Importance and Necessity of Conducting Research

    By examining the history of the emergence of large organizations in the past decades, we find that these organizations no longer have the necessary efficiency in the field of competition due to their incompatibility with the trends of social and global developments, just like the dinosaurs that lost adaptability to the environment and were doomed to extinction (Boon et al., 2006[3], also, in today's world, change is rapid and successful adaptation is an important part of success in today's era (Engleth and Simmons, 2002[4]). The very high speed of the transformation of the environment and competitive markets has created additional pressure on organizations to adapt very quickly and has led to changes at high levels. The challenge of organizations to create flexible structures and create flexibility in the current changing world is more than in the past. Also, during recent years, performance has become one of the important concepts of management and has become intertwined with the culture of leading organizations, which, while promoting accountability, determines the degree of fulfillment of the goals and plans of each organization (Byars & Rue, 2008: 56). In addition, during the last decade, the financial services sector has undergone drastic changes. which has resulted in an environment with intense competition and little growth in the initial demand.  In such an environment, the events related to binding and inherited communication between the customer and the bank being traded are increasingly decreasing and banks are designing strategies to attract and retain customers.

  • Contents & References of Investigating the influencing factors on the banking industry and its impact on obtaining a competitive advantage in Bank Sepe Mashhad

    List:

    The first chapter: General research. 2

    1-1-Introduction 3

    1-2-Statement of the problem 3

    1-3-The importance and necessity of conducting research. 4

    1-6-Research hypotheses: 4

    1-9-Definitions of research variables and terms. 5

    1-10- research limitations. 6

    The second chapter: Theoretical foundations and research background. 7

    2-1-Introduction 8

    First part: Theoretical foundations of the banking industry. 8

    2-2-History of money and banking in the world 8

    2-3-History of banking in Iran. 9

    2-4-Customer relationship management in financial institutions and banks 11

    2-5-The position of customer relationship management in Iran's banking system. 12

    6-2-basic hypotheses of customer relationship management in the bank. 13

    2-7-Important benefits of using customer relationship management in the bank. 14

    8-2-weaknesses and strengths of customer relationship management in Iranian banks. 14

    The second part: Theoretical foundations of competitive advantage. 15

    2-9- Marketing strategy. 15

    2-10- rational patterns of marketing strategy formulation. 16

    2-10-1- Natural patterns of marketing strategy formulation. 17

    2-10-2- comprehensive models of marketing strategy development: Application of the theory of strategic reference points. 17

    2-11- Typology of business level strategies based on strategic reference points. 19

    2-12- Reconceptualization of competitive strategy. 21

    2-13- Five competitive forces model. 24

    2-14- Organizational learning and competitive strategy. 26

    2-15- Competitive advantage. 31

    2-16- Factors affecting competitive advantage. 33

    2-16-1- Environmental capabilities. 33

    2-16-2- National sub-structures. 34

    2-16-3- Country development strategy. 34

    2-16-4- Conditions of national demand. 34

    2-16-5- Related industries and suppliers 35

    2-16-6- Organizational capabilities. 35

    2-17- Attitudes related to competitive advantage. 36

    2-17-1- Attitude based on resources. 36

    2-17-2- Attitude of competition based on merit. 37

    2-17-3- View of dynamic capabilities 38

    2-17-4- View of network and communication capabilities. 38

    2-18- Competitive intelligence. 40

    2-19- Types of competitive advantage. 42

    2-19-1- Positional advantage versus kinetic (dynamic) 42

    2-19-2- Congruent versus incongruent advantage. 43

    2-19-3- Visible versus invisible advantage 44

    2-19-4- Simple versus compound advantage. 45

    2-19-5- temporary versus permanent advantage: Competitive advantage. 46

    2-19-6- Causal domain of competitive advantage. 48

    Section III- The background of the research done 50

    2-20- The background of the internal research. 50

    2-21- The background of foreign research. 51

    The third chapter: Research methodology. 56

    3-1- Introduction 57

    3-2- Research methodology. 57

    3-3- Research variables. 58

    3-4- Information gathering method. 58

    3-5- Research sociostatistics. 59

    3-6- Statistical sampling. 59

    3-7- Sampling method. 59

    3-8- Research area. 59

    3-9- Measurement tool. 59

    3-10- Section of measuring factors influencing the banking industry. 60

    3-11- Section of measuring competitive factors. 60

    3-12- Validity of research tools. 61

    3-12-1- Validity (reliability) of questionnaire 61

    3-12-2- Reliability (reliability) of questionnaire 61

    Chapter four: Data analysis 63

    4-1- Introduction 64

    4-2- Descriptive analysis of the research. 64

    4-2-1- Gender. 64

    4-2-2- Education. 65

    4-2-3- Marriage. 65

    4-2-4- Age. 66

    4-2-5- Service history. 68

    4-3- Inferential analysis section of the research. 68

    4-3-1- The first hypothesis. 69

    4-3-2- Second hypothesis 70

    4-3-3- Third hypothesis 71

    4-3-4- Second hypothesis 72

    4-3-5- Fifth hypothesis 73

    4-3-6- Sixth hypothesis 74

    4-3-7- Seventh hypothesis 75

    4-3-8- The Eighth Hypothesis 75

    4-3-9- The Ninth Hypothesis 76

    4-3-10- The Tenth Hypothesis 77

    4-3-11- The Eleventh Hypothesis 78

    4-4- Prioritization of the importance of factors affecting the creation of a competitive advantage in Sepeh Bank branches in Mashhad. 79

    Chapter Fifth: Conclusions and suggestions. 81

    5-1- Introduction 82

    5-2- The results of research assumptions. 82

    5-3- Research suggestions. 85

    5-3-1- Executive proposals. 85

    5-3-2- Research proposals. 86

    4-5-86

    5-4- Research limitations. 87

    Sources and references 132

    Appendices and appendices 88

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Investigating the influencing factors on the banking industry and its impact on obtaining a competitive advantage in Bank Sepe Mashhad
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