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"One size doesn't fit all". Bank switching decisions and customer vulnerability in Europe

dc.contributor.authorFernández Gutiérrez, Marcos 
dc.contributor.authorAshton, John
dc.contributor.otherUniversidad de Cantabriaes_ES
dc.date.accessioned2024-09-27T07:46:21Z
dc.date.available2024-09-27T07:46:21Z
dc.date.issued2024-08-05
dc.identifier.issn0265-2323
dc.identifier.issn1758-5937
dc.identifier.urihttps://hdl.handle.net/10902/33987
dc.description.abstractOver the last two decades multiple policies promoting financial literacy and information availability in banking markets have been deployed across Europe. The objective of these policies is to improve customers´ decision-making, including the ability to switch bank provider. Despite the widespread use of such policies, concerns persist as to whether vulnerable customers can make appropriate switching decisions in banking markets. Drawing on financial ecology and churn theories, this paper examines the relationships between these policies, bank switching and customer vulnerability, using survey data from 24 European countries. We report that the probability of bank switching is significantly lower for three groups of vulnerable customers: the elderly, the less educated and those living in deprived regions. We conclude national financial education policies and disclosure practices have no significant effects on bank switching.es_ES
dc.description.sponsorshipThis research has received the support of the Erasmus+ Programme of the European Union (Jean Monnet Action 620296-EPP-1-2020-1-ES-EPPJMO-MODULE)es_ES
dc.format.extent42 p.es_ES
dc.language.isoenges_ES
dc.publisherEmeraldes_ES
dc.rightsAttribution-NonCommercial 4.0 Internationales_ES
dc.rights.urihttp://creativecommons.org/licenses/by-nc/4.0/*
dc.sourceInternational Journal of Bank Marketing, 2024, 42(6), 1264-1281es_ES
dc.subject.otherBanking marketses_ES
dc.subject.otherVulnerable customerses_ES
dc.subject.otherSwitchinges_ES
dc.subject.otherConsumer policieses_ES
dc.subject.otherPersonal current accountses_ES
dc.title"One size doesn't fit all". Bank switching decisions and customer vulnerability in Europees_ES
dc.typeinfo:eu-repo/semantics/articlees_ES
dc.relation.publisherVersionhttps://doi.org/10.1108/IJBM-03-2023-0141es_ES
dc.rights.accessRightsopenAccesses_ES
dc.identifier.DOI10.1108/IJBM-03-2023-0141
dc.type.versionacceptedVersiones_ES


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