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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/93905

    Title: 信用卡消費者生活型態與市場區隔之研究 : 以大台北地區為例
    Other Titles: Study of consumers' lifestyle and market segmentation : a case study of greater Taipei Area
    Authors: 趙正瑋;Chao, Cheng-Wei
    Contributors: 淡江大學國際商學碩士在職專班
    黃志文;Huang, Chih-Wen
    Keywords: 信用卡;生活型態;市場區隔;Credit card;Lifestyle;Market Segmentation
    Date: 2013
    Issue Date: 2014-01-23 13:38:13 (UTC+8)
    Abstract: 本研究以信用卡消費者的生活型態與市場區隔為出發點,探討信用卡顧客的屬性、生活習慣及家庭特徵等,區隔目標市場後鎖定目標客戶族群,並設計滿足區隔目標客戶族群需求之產品,以達到與其他競爭者的差異化。
    This study initiates from the lifestyle and market segmentation of credit card consumers and discusses the attributes, living habits and household characteristics of credit card customers. After segmentation of target market, clients are targeted and products satisfying the demands of segmented target clients are designed to achieve differentiation from other competitors.
    Using people living in Taipei, Taiwan, who are over 20 years old and have credit cards as subjects, this study segmented consumers by lifestyle variables, along with demographic statistics variables, to explore the relation between demographic statistics variables and credit card consumer behavior of different lifestyle clusters. Data were collected with questionnaires using convenience sampling. 480 questionnaires were distributed, among which 364 were valid, giving a 75.83% response rate of effective samples. SPSS statistics software was adopted for data analysis. The primary analysis methods employed for analyzing and verifying data included descriptive statistics, factor analysis, cluster analysis and chi-square test.
    Through factor analysis, six dimensions of lifestyle factors were extracted from 34 AIO scale questions: “social and innovative”, “brand loving”, “orderly and self-disciplined”, “family valuing”, “impulsive and straightforward”, and “conservative and persistent”. With these six lifestyle factors as input variables, credit card consumers were divided into three segmentation clusters: Cluster A: “conservative and family valuing group”; Cluster B: innovative and impulsive group”; Cluster C: “orderly and self-disciplined group”.
    Through chi-square test, the study results revealed that the three market segmentations were associated with certain demographic statistic variables, i.e. “age”, “marital status”, “occupation”, and “monthly income”, indicating there is significance difference between the lifestyle clusters in the distribution of these demographic statistics variables.
    Finally, this study established product marketing strategies with competitive advantage based on each market segmentation feature in the hope to provide reference for credit card issuers when they set marketing strategies.
    Appears in Collections:[國際企業學系暨研究所] 學位論文

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