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Marketing Case Study

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Submitted By glash09
Words 563
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Republic National Bank of Dallas
NOW accounts
Case 1

Decision Problem:
Republic National Bank of Dallas (RNB) მარკეტინგის ოფიცერს, რუთ კრუსენს სთხოვეს შეეფასებინა ზეგავლენა NOW ანგარიშების შემოღების შემთხვევაში კომპანიაზე: 1. დაედგინა მოგებაზე ზეგავლენა რაც ექნებოდა NOW ანგარიშების შემოღებას 2. რეკომენდაცია გაეწია NOW ანგარიშების დანერგვის სტრატგიისთვის კრუსენს უნდა გადაეწყვიტა ღირდა თუ არა NOW ანგარიშების დანერგვა, შემდგომ მისი ზეგავლენა ბანკზე, ამისთვის მას უნდა გაეთვალისწინებინა კომპანიის მდგომარეობა, მისი ბაზრის წილი და თვითონ ბაზრის ცვალებადობა (კონკურენტუნარიანი, კონსერვატიული თუ ლიბერალური). ამ მომენტისთვის RNB იყო ლიდერი, მაგრამ NOW ანგარიშების არ შემოღების შემთხვევაში ამით შეიძლება სხვას ესარგებლა და დაეკარგა პოზიცია, მარკეტინგული სტრატეგიის გადაწყვეტილებას იყო სწორედ ეს, შესულიყო პირველი თუ ეცდია სხვისთვის, შეესწავლა და მერე შესულიყო.

Key information: * იმ ბანკების წილი უფრო დიდია ამ ტიპის პროდუქტის მიხედვით, სხვადასხვა შტატების მიხედვით ვინც პირველმა დაიწყო NOW ანგარიშების შეთავაზება * NOW ანგარიშების დანერგვა მოახდენს ჩეკის ანგარიშების კანიბალიზაციას, რომელიშიც ამ მომენტისთვის RNB ლიდერობს. * NOW ანგარიშების ბალანსი არის მაღალი ცხრილის მიხედვით, რაც საბაბს გვაძლევს ვივარაუდოთ რომ მომხმარებელი მაღალი ბალანსით უფრო გადმოვა ამ ანგარიშზე. ასევე აღსაღნიშნავია რომ მინიმალური ბალანსის მოთხოვნა NOW ანგარიშებისთვის არის მაღალი. * საწყის ეტაპზე ხდებოდა უფასო NOW ანგარიშების შეთავაზება. კომერციულმა ბანკემბა შესვლისას იგივე ტაქტიკა არ გაითვალისწინეს და თავიდანვე ახდევინებდნენ გადასახადებს ან აწესებდნენ მაღალ მინიმალურ ბალანსს. * იმის შემდეგ რაც NOW ანგარიშებმა არ გაამართლეს როგორც ვადიანმა დეპოზიტებმა, მისი ამჟამინდელი პოზიციონირებაა როგორც საჩეკო ანგარიში, რომელსაც ერიცხება სარგებელი. * სარგებელი NOW ანგარიშებზე თავიდანვე მცირე იყო, მაგრამ შემდგომში კუნკურენციის გამო პროცენტი გაიზარდა.

Alternatives: 1) არ შეთავაზოს მომხმარებელბს NOW ანგარიშები: Advantage: | Disadvantages: | * თავისი ლიდერის პოზოციიდან გამომდინარე მას შეუძლია „გაიღოს“ ეს ფორა კონკურენტებზე, დააკვირდეს მოვლენების განვითარებას და უფრო სრულყოფილი და ძლიერი სტრატეგიით შევიდეს შემდეგ ბაზარზე; | * არ შევა პირველი - შესაბამისად შეიძლება გაუშვას შანსი, რომ მოიპოვოს თავიდანვე ბაზრის დიდი წილი; * NOW ანგარიშები წარმოადგენს საშიშროებას საჩეკო ანგარიშებისთვის რომელშიც RNB ლიდერობს და ბაზარზე არ შესვლით იგი არამარტო დაკარგავს შანს ბაზრის წილი მოიპოვოს, არამედ საჩეკო ანგარიშების წილის შემცირდება და ყველაზე ძალიან ეს სწორედ RNB-ზე იმოქმედებს; |

2) შეთავაზოს მომხმარებელბს NOW ანგარიშები უფასოდ: Advantage: | Disadvantages: | * სწრაფი პენეტრაცია ბაზარზე, ხალხისთვის მნიშვნელოვანი კონკურენტული უპირატესობით; * თავს დაიცავს კონკურენტებისგან, თვითონვე შეჭამს თავის საჩეკო ანგარიშებს ამავე პროდუქტით, შეინარჩუნებს და მეტიც გაზრდის ბაზრის წილს; | * RNB-სგან ამ პროდუქტის შეთავაზება გამოიწვევს იმას რომ საჩეკო ანგარიშების მქონდე მომხმარებელები გადავლენ NOW ანგარიშებზე, მაგრამ ამჯერად უკვე ბანკს მოუწევს მათთვის სარგებლის გადახდა, და თუ გავითვალისწინებთ იმას რომ იგი ლიდერი იყო ამ პროდუქტით ამ სარგებელმა შეიძლება საკმაონდ დიდი ზეგავლენა იქონიოს ბანკზე |

3) შეთავაზოს მომხმარებელბს NOW ანგარიშები სერვისის და ბენეფიტების გარეშე (მინიმალური ბალანსის მოთხოვნა, თვიური გადასახადი) : Advantage: | Disadvantages: | * თავს დაიცავს ხარჯების ზრდისგან, მინიმალური ბალანსის დაწესებით ის თავს დაიცავს ამ მრავალი საჩეკო ანგარიშების მომხმარებლებისგან; * თვიური გადასახადი მოუტანს ბანკს შემოსავალს * ბანკს გაუჩნდება ახალი პროდუქტი | * ამ შემთხვევაში ეს სტრატეგია საკმაოდ სუსტია, რადგან შეიძლება ამით ისარგებლონ კონკურენტებმა და შემოვიდნენ ბაზარზე სპეციალური შემოთავაზებებით და უფასო NOW ანგარიშებით |

Decision: ჩემი აზრით, RNB უნდა შევიდეს პირველი ბაზარზე NOW ანგარიშებით. NOW ანგარიშები წარმოადგენს არამარტო შესაძლებლობას სხვა ბანკებისთვის, არამედ საშიშროებას RNB-სთვის და მისი საჩეკო ანგარიშებისთვის, NOW ანგარიშებს აქვს პტენციალი რომ ჩაანაცვლოს საჩეკო ანგარიშები მთლიანად და ამ შემთხვევაში RNB-ბაზარზე დაგვიანებული შესვლით ვერაფერს იზამს და თავის პროდუქტსაც და მომხმარებლებსაც დაკარგავს. ასევე ბანკის რეალური სახე მომხმარებელებში არის რომ მას აქვს ყველაზე მრავალრმხრივი პროდუქტები, და ასეთი პროდუქტი მან არ უნდა დაკარგოს, და თავიდანვე ბაზარზე უნდა გამოიჩინოს თავი. იმისთვის რომ შევიდეს ამ ბაზარზე წარმატებით ჩემი აზრით აუცილებელია რომ ბანკმა განსაზღვრის სასარგებლო პროცენტი და კარგად გათვალოს ის გადადინება რაც მოხდა NOW ანგარიშებზე საჩეკო ანგარიშებიდან. ასევე ჩემი აზრით ეს პროდუქტი ბანკმა უნდა გათვალის მსზვილის მომხმარებლების სეგმენტზე, ამით იგი პირველ რიგში შეინარჩუნებს თავის მომხმარებლებს, ხოლო წვრილი კლიენტებისთვის მას კიდევ რჩება თავისი Starpak ანგარიშები, რომელიც აგრესიულად უნდა გააპიაროს.

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