2026-05-21T22:38:42.628Z http://ezaposleni.singidunum.ac.rs/rest/sciNaucniRezultati/oai

ezaposleni.singidunum.ac.rs/rest/sciNaucniRezultati/oai:2:3350 2015-09-22T11:19:25Z 2

Predisting retail banking consumer behaviour through statistics, 2015 http://ezaposleni.singidunum.ac.rs/rest/sciNaucniRezultati/oai/record/2/3350 K. Agailotis M. Hadžić The рurрοѕeοfeverуeсοnοmiсbased ɑсtivitуis the creation of needs. As the financial activities cannot be an exception to the rule, the understanding of clients’ necessities and their subsequent satisfaction is always at the epicentre of all financial institutions. Knowing the exact details that form the clients’ behaviour and the processes that lead to the particular clients’ decisions becomes an advantage forthe financial insitutions that invested resources in it. At the end, it will not only pay off by satisfying the clients’ needs, but it will also secure long standing loyalty and relations with them. As all relationships, the one between a client and a bank requires support and mutual understanding. Considering the Serbian retail banking market we concluded: : firstly, that there is still potential for business, secondly, that particular segments of customers would accept new products and thirdly, that bank have to focus on clients with the highest rating regarding their credit worthiness. t. As far as it concerns the client's behaviour over different product offerings, we concluded that cash loans and credit card holders are not price sensitive and the subsequently the already existing holdersintend to increase their credit exposure. article 12 1 43 51 2406-2588 The European Journal of Applied Economics