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The paper discusses the nature and development of transport services marketing, the main orientations of the transport companies’ activities and the use and evolution of various marketing instruments in transport services. The purpose of the paper is to discuss the transformations taking place in transport services marketing, recognized in a classic way – the instrumental way, in regards to the widest, seven-element concept.
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The aim of article is analysis of pension securities in context of uncertainty and economic instability. Following hypothesis has been assumed for the needs of this article: Instability and economic uncertainty force necessity of changes in area of pension securities of households’ members. Members of those, wishing to maintain present level of life after retiring are forced to take changes in area of pension securities
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The main subject of the article is the problem of digital exclusion of Polish seniors. By applying the perspective of marketing researcher, the author presents how much the phenomenon of digital exclusion of Polish seniors can be considered as a significant limitation for the realizations of marketing research currently conducted in Poland. In order to achieve this objective, the author refers to the statistics provided by polish Central Statistical Office (GUS), numerous reports describing the population of Polish seniors and PTBRiO’s (The Polish Society of Market and Opinion Researchers) Cata134 Iwona Escher logues „Research Market – Researchers – Research Companies” which are an extremely valuable source of information on the condition of the research market in Poland and the main areas of its development.
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The purpose of this article is to present innovative solutions in commercial banking in the UK. Some of the new banking products used in the British financial practice were shown, e.g.: sharia banking, based on the concept of Islamic banking, the „buy to rent” program and services “drive-thru”. Changes both in the English legislative and banking system were described. Innovations and the innovation process itself were identified, dividing innovations between progressive and radical ones. The article defines the financial crisis, its causes, course and consequences. The conclusions drawn are nothing but the financial crisis lessons. The financial crisis comes in different variations and forms, of which the most dangerous one is the model WW, indicating a high economical instability of a country. Seven stages of the current financial crisis were listed. The conclusions drawn from the analysis of the problem strongly suggest the need to return to a conservative lending policy. It also indicates that traditional banking is again gaining its great importance. We are dealing with a number of already introduced and being currently implemented prudential rules, the beginning of the regulation era and State intervention
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Providing tax revenues of the state budget is conditioned in many dimensions. One of the activities that affect the maintenance of the desired level of these revenues is to develop the information society. The development of the information society depends on the one hand on the extent of sharing by various entities, including tax administration tools allowing both taxpayers and tax administrations to achieve their goals, tasks and responsibilities. It should be noted that on the other hand the development of the information society is affected by competence and attitude of taxpayers to use new technologies in their relations with the tax authorities. In this context, it should be stressed that the development of e-government is inherently related to the technical implementation of the tax rules and the principle of convenience and cheapness and to the upgrade of services standards, factors which contribute to the tax income of the state budget.
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The paper presents the results of a research on the assessment of postal services which was conducted by the author in the segment of institutional buyers. The reason why the institutional clients were chosen is the fact that they send 88% of letters and 95% of all packages in Europe. In Poland this ratio is similar. The study showed that the Polish Post, despite its strong market position, is only partially able to compete on the open market. Its strongest advantages are: mail delivery to each recipient in the country, a wide range of services, benefits to basic services, the availability of the branch network and post boxes, regularity of service, visual identification of the company.
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The purpose of the paper is presenting and analyzing an important aspect of e-consumer behavior – the perception of risk as a barrier in online shopping of young adults. The perception of the risk was evaluated in both qualitative and quantitative researches that were conducted in 2012 as a part of research project ‘Buying behavior of “young adults” on the Internet’. The research result shows that “young adults” perceive internet shopping as rather safe. The more detailed analysis indicates that for “young adults” risk seems not to be a significant barrier in making online purchases.
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The author of this paper analyses the behavior of “young adults” (18–29 years old) on the Internet. This is a significant group of buyers, because accounting for about 18% of the Polish population. In addition, people of this segment are among the most active groups of Internet users, and thus they are an attractive target group for online retailers. Analysis their behaviors of the Internet confirms that they willingly buy products in the network and use the online services. So this is a positive trend which companies should capitalize on.
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The article is focus on selected component to build relationships with their customers, such as profitability relationship. The first part contains the definition of concept relationships. Subsequently discusses the factors affecting profitability of the customer in terms of CRM, income and expenses relationships, the model profitability a relationship.
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Under conditions of deteriorating macroeconomic situation, the issue of effective personal finance management gains particular importance. The need for reflection over financial decisions taken by households appears, in context of instability and uncertainty of environment. The aim of article is to analyze key financial decisions of households, which they undertake under deteriorating macroeconomic conditions, influencing their effective financial management. For the purpose of this article following hypothesis has been chosen: Under deteriorating macroeconomic conditions households undertake more rational financial choices, which is reflected in saving increase and decrease in lending.
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The academic enterprise is also a way on the transfer and the commercialization of the knowledge and the technology from the college to the economic practice. An important aspect related to these problems is the identification of sources of the financing of the innovative activity which very often is treated by potential investors or else banks as the activity very risky economically. A special example of the academic enterprise are companies of the type like spin off and spin out
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Every service organization intending to stay in the market must pay attention to its partnership capital (partnership assets) and particularly to its customer assets. The present paper contains reflections on the values of a service organization’s process of building, sustaining and enriching relations with its customers perceived from the cognitive perspective – gathering, disseminating and implementing knowledge of its customers and the environment in which they operate. Of particular importance is the issue of environment and its protection in the broader meaning of this term as well as the ability of combining environmental protection with high economic efficiency. The paper is of theoretical character and utilizes secondary data enriched with author’s remarks and propositions of solutions.
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The paper clarifies the definitional issues related to the development of employees. There are identified the development needs of employees as well as the opportunities offered in this area by small businesses. The gap between the needs of development reported by employees and the offers of development proposed by enterprises has been indicated basing on literature studies and surveys. The need for broader research into the development of employees in small businesses has been justified.
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The modern market forces economic entities to make their offer more attractive. These activities often force the staff to continuously improve their skills in communication, organization, creativity and negotiation. The necessary solution becomes using the extemporary possibilities of qualifications improvement that are offered by business coach services. The paper presents an overview of the nature of the support of company’s business operations by a business coach.
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The processes taking place in the modern economy open up new operational realities, which are different from those to which we could get used to over the years. Regionalization and following globalization and related processes of free movement of capital and employees, as well as the effects of technological progress make the operation of enterprises subject to constant and often violent changes. Both environment and company are changing. The effects of these changes directly translate into the development of business entities and determine their function in the future. In this context, there should be paid attention to these elements, which implementation in the company may give a boost to the development faster than a competitor. One of these elements seems to be the implementation of the concept of corporate social responsibility (CSR). The authors of the paper address this issue, investigate the impact of the implementation of CSR on competitiveness of Polish and Swedish companies
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Cultural differences can and often make difficult the communication, interpersonal relationships and networking between businesses and mergers of enterprises from different cultures entail new challenges for managers. They are in particular related to cross-cultural management and intercultural communication. The paper aims to show the impact of cultural orientations of business models over the management based on example of China and Sweden. To highlight the differences between these styles the attention has been focused on the characteristics of the most important aspects of Chinese and Swedish management style. The risks of establishing cross cultural fusion have been presented, based on examples of threats that China has already faced.
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Rapid development of IT technology triggers important market changes. A growing number of bank interactions take place in the virtual reality. The paper presents a comparative study of the role of selected communication channels in retail banking in Poland. It answers the question whether in the era of dynamic growth of information society and growing popularity of electronic channels of communication the direct service bank personnel plays only a secondary role in the process of communicating the banks’ offer. The aim of the paper is also to identify similarities and differences in opinions of entities that are directly involved in the joint value creation process
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A high level of competitive rivalry forces companies to seek new methods of satisfying customer’s needs. Due to new communication tools, direct customer relationships, reserved so far mainly for B2B market, become possible also on the B2C market. This situation enables companies to engage consumers in offer co-creation process. The result of such cooperation could be the added value resulting from the preparation of tailored offer. Cooperation with the client may relate to one or more levels of the offer preparation process: core offer, actual offer or augmented offer. Presented examples unveil that the tailored offer are mainly characterized as services aimed at customer's need and expectations and therefore they perform better than a product or services accompanying the products would do. Those examples indicate that the use of this concept in practice often is the basis of their success
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The paper presents the essence of creating the correct communication and proper relations with the banks’ clients. There is emphasized the role and significance of marketing researches together with the need of adequate clients segmentation. The author concentrates on the process of key clients management and on the need of improvement of service for all customers for gaining their higher loyalty and attachment.
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The public pharmacy as the market entity providing especially pharmaceutical services has a peculiar character. According to legislative regulations it is obliged to perform the mission as part of social systems of the health care and at the same time is an entity accomplishing commercial purposes. The dualism of tasks causes that functioning of these institutions, in particular their marketing activity, is subject to special regulations and regulations in the ethical code. According to Corporate Social Responsibility concept, typically material aspirations of pharmacies owners in the area maximization of profit are not the only ones within the hierarchy of individual needs. The pyramid of the Corporate Social Responsibility shows four groups of the category, that play an important role: economic, legal, ethical and philanthropic responsibility
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