메뉴 건너뛰기




Volumn 73, Issue 6, 2009, Pages 61-76

The impact of customer relationship management implementation on cost and profit efficiencies: evidence from the u.s. commercial banking industry

Author keywords

Cost efficiency; Customer relationship management; Profit efficiency; Stochastic frontier analysis

Indexed keywords


EID: 70449381443     PISSN: 00222429     EISSN: None     Source Type: Journal    
DOI: 10.1509/jmkg.73.6.61     Document Type: Article
Times cited : (159)

References (61)
  • 1
    • 49449120922 scopus 로고
    • Formulation and estimation of stochastic frontier production function Models
    • Aigner, Dennis J., C. A. Knox Lovell, and Peter Schmidt (1977), "Formulation and Estimation of Stochastic Frontier Production Function Models," Journal of Econometrics, 6 (1), 21-37.
    • (1977) Journal of Econometrics , vol.6 , Issue.1 , pp. 21-37
    • Aigner Dennis, J.1    Knox Lovell, C.A.2    Schmidt, P.3
  • 2
    • 0003059836 scopus 로고    scopus 로고
    • The effects of megamergers on efficiency and prices: Evidence from a bank profit function
    • February
    • Akhavein, Jalal D., Allen N. Berger, and David B. Humphrey (1997), "The Effects of Megamergers on Efficiency and Prices: Evidence from a Bank Profit Function," Review of Industrial Organization, 12 (February), 95-139.
    • (1997) Review of Industrial Organization , vol.12 , pp. 95-139
    • Akhavein Jalal, D.1    Berger, A.N.2    Humphrey, D.B.3
  • 3
    • 55649119183 scopus 로고    scopus 로고
    • Profit efficiency sources and differences among small and large U.S. commercial banks
    • Fall
    • Akhigbe, Aigbe and James McNulty (2005), "Profit Efficiency Sources and Differences Among Small and Large U.S. Commercial Banks," Journal of Economics and Finance, 29 (Fall), 289-299
    • (2005) Journal of Economics and Finance , vol.29 , pp. 289-299
    • Akhigbe, A.1    McNulty, J.2
  • 4
    • 0010858486 scopus 로고    scopus 로고
    • Customer satisfaction and price tolerance
    • July
    • Anderson, Eugene W. (1996), "Customer Satisfaction and Price Tolerance," Marketing Letters, 7 (July), 265-274
    • (1996) Marketing Letters , vol.7 , pp. 265-274
    • Anderson Eugene, W.1
  • 5
    • 0029509798 scopus 로고
    • A model for technical inefficiency effects in stochastic frontier production function for panel data
    • Battese, G. E. and T. J. Coelli (1995), "A Model for Technical Inefficiency Effects in Stochastic Frontier Production Function for Panel Data," Empirical Economics, 20 (2), 325-332
    • (1995) Empirical Economics , vol.20 , Issue.2 , pp. 325-332
    • Battese, G.E.1    Coelli, T.J.2
  • 6
    • 0002780313 scopus 로고
    • Efficiency and productivity growth in US banking
    • H. Fried, C.A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press
    • Bauer, Paul, Alan Berger, and David Humphrey (1993), "Efficiency and Productivity Growth in US Banking," in The Measurement of Productivity Efficiency, H. Fried, C.A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press, 386-413.
    • (1993) The Measurement of Productivity Efficiency , pp. 386-413
    • Bauer, P.1    Berger, A.2    Humphrey, D.3
  • 7
    • 70449358153 scopus 로고
    • The coexistence of multiple distribution systems for financial services: The case of property liability insurance
    • Financial Institutions Center, the Wharton School, University of Pennsylvania
    • Berger, Allen N., J. David Cummins, and Mary A. Weiss (1995), "The Coexistence of Multiple Distribution Systems for Financial Services: The Case of Property Liability Insurance," Report Bo. 95-113, Financial Institutions Center, the Wharton School, University of Pennsylvania.
    • (1995) Report Bo. 95-113
    • Berger Allen, N.1    David Cummins, J.2    Weiss, M.A.3
  • 8
    • 0031161387 scopus 로고    scopus 로고
    • Problem loans and cost efficiency in commercial banks
    • -and Robert DeYoung (1997), "Problem Loans and Cost Efficiency in Commercial Banks," Journal of Banking and Finance, 21(6), 849-870
    • (1997) Journal of Banking and Finance , vol.21 , Issue.6 , pp. 849-870
    • Deyoung, R.1
  • 9
    • 0000977550 scopus 로고
    • Bank efficiency derived from the profit function
    • -, Diana Hancock, and David Humphrey (1993), "Bank Efficiency Derived from the Profit Function," Journal of Banking and Finance, 17 (2-3), 317-347
    • (1993) Journal of Banking and Finance , vol.17 , Issue.2-3 , pp. 317-347
    • Hancock, D.1    Humphrey, D.2
  • 10
    • 0031185036 scopus 로고    scopus 로고
    • Inside the black box: What explains differences in the efficiencies of financial institutions?
    • -and Loretta Mester (1997), "Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?" Journal of Banking and Finance, 21 (7), 895-947
    • (1997) Journal of Banking and Finance , vol.21 , Issue.7 , pp. 895-947
    • Mester, L.1
  • 11
    • 0032220721 scopus 로고    scopus 로고
    • A dynamic model of the duration of the customer's relationship with a continuous service provider: The role of satisfaction
    • Bolton, Ruth1998ADynamicModeloftheDurationofthe Customer'sRelationshipwithaContinuousServiceProvider:TheRoleofSatisfaction, MarketingScience,17145-65.(Pubitemid128069459)
    • (1998) Marketing Science , vol.17 , Issue.1 , pp. 45-65
    • Bolton, R.N.1
  • 12
    • 84869689313 scopus 로고    scopus 로고
    • The Boston Consulting Group accessed March 12, 2009 available at
    • The Boston Consulting Group (2007), "The Antidote to Mismanaged CRM Initiatives," (accessed March 12, 2009), [available at http://www.bcg.com/ impact-expertise/publications/files/ The-Antidote-Mismanaged-Jul-01-ofa.pdf].
    • (2007) The Antidote to Mismanaged CRM Initiatives
  • 13
    • 27144512930 scopus 로고    scopus 로고
    • A customer relationship management roadmap: what is known, potential pitfalls, and where to go
    • October
    • Boulding, William, Richard Staelin, Michael Ehret, and Wesley Johnston (2005), "A Customer Relationship Management Roadmap: What Is Known, Potential Pitfalls, and Where to Go," Journal of Marketing, 69 (October), 155-166
    • (2005) Journal of Marketing , vol.69 , pp. 155-166
    • Boulding, W.1    Staelin, R.2    Ehret, M.3    Johnston, W.4
  • 14
    • 71549131677 scopus 로고
    • The impact of information technology on the organization of economic activity: The 'move to the middle' hypothesis
    • Fall
    • Clemons, Eric K., Sashidhar P. Reddi, and Michael C. Row (1993), "The Impact of Information Technology on the Organization of Economic Activity: The 'Move to the Middle' Hypothesis," Journal of Management Information Systems, 10 (Fall), 9-35.
    • (1993) Journal of Management Information Systems , vol.10 , pp. 9-35
    • Clemons Eric, K.1    Reddi, S.P.2    Row, M.C.3
  • 17
    • 3042727477 scopus 로고    scopus 로고
    • Creating a superior customer-relating capability
    • Day, George S. (2003), "Creating a Superior Customer-Relating Capability," MIT Sloan Management Review, 44 (3), 77-82.
    • (2003) MIT Sloan Management Review , vol.44 , Issue.3 , pp. 77-82
    • Day George, S.1
  • 18
    • 0000110390 scopus 로고    scopus 로고
    • The performance of de novo commercial banks: A profit efficiency approach
    • DeYoung, Robert and Iftekhar Hasan (1998), "The Performance of De Novo Commercial Banks: A Profit Efficiency Approach," Journal of Banking and Finance, 22 (5), 565-587
    • (1998) Journal of Banking and Finance , vol.22 , Issue.5 , pp. 565-587
    • Deyoung, R.1    Hasan, I.2
  • 20
    • 84869669423 scopus 로고    scopus 로고
    • March accessed December 3, 2008 available at
    • Financial Services Technology (2007), "Rising to the Challenge of CRM," (March), (accessed December 3, 2008), [available at http://www.usfst.com/article/Rising-to-the-Challenge-ofCRM].
    • (2007) Rising to the challenge of CRM
    • Technology, F.S.1
  • 21
    • 0001968889 scopus 로고
    • On the bias in flexible functional forms and an essentially unbiased form: The fourier flexible form
    • Gallant, A. Ronald (1981), "On the Bias in Flexible Functional Forms and an Essentially Unbiased Form: The Fourier Flexible Form," Journal of Econometrics, 15 (2), 221-245
    • (1981) Journal of Econometrics , vol.15 , Issue.2 , pp. 221-245
    • Ronald, G.A.1
  • 22
    • 0027990602 scopus 로고
    • Multilevel time series models with applications to repeated measures data
    • Goldstein, Harvey, Michael J. R. Healy, and Jon Rasbash (1993), "Multilevel Time Series Models with Applications to Repeated Measures Data," Statistics in Medicine, 13 (16), 1643-1655
    • (1993) Statistics in Medicine , vol.13 , Issue.16 , pp. 1643-1655
    • Goldstein, H.1    Michael, J.2    Healy, R.3    Rasbash, J.4
  • 23
    • 70449332395 scopus 로고    scopus 로고
    • CRM for the people
    • Greenberg, Paul (2001), "CRM for the People," Computerworld, 35 (44), 23.
    • (2001) Computerworld , vol.35 , Issue.44 , pp. 23
    • Greenberg, P.1
  • 24
    • 0003094690 scopus 로고
    • The econometric approach to efficiency analysis
    • H. Fried, C. A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press
    • Greene, William (1993), "The Econometric Approach to Efficiency Analysis," in The Measurement of Productivity Efficiency, H. Fried, C. A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press, 68-119.
    • (1993) The Measurement of Productivity Efficiency , pp. 68-119
    • Greene, W.1
  • 25
    • 0035641039 scopus 로고    scopus 로고
    • An investigation into the antecedents of organizational participation in business-to-business electronic markets
    • DOI 10.1509/jmkg.65.3.17.18331
    • Grewal, Rajdeep, James M. Comer, and Raj Mehta 2001 "An Investigation into the Antecedents of Organizational Participation in Business-to-Business Electronic Markets," Journal of Marketing, 65 July 17-33. (Pubitemid 33307146)
    • (2001) Journal of Marketing , vol.65 , Issue.3 , pp. 17-33
    • Grewal, R.1    Comer, J.M.2    Mehta, R.3
  • 26
    • 34548265170 scopus 로고    scopus 로고
    • Embeddedness of organizational capabilities
    • -and Rebecca J. Slotegraaf (2007), "Embeddedness of Organizational Capabilities," Decision Sciences, 38 (3), 451-488
    • (2007) Decision Sciences , vol.38 , Issue.3 , pp. 451-488
    • Slotegraaf, R.J.1
  • 27
    • 0001953106 scopus 로고
    • Efficiency and productivity
    • H. Fried, C. A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press
    • Grosskopf, Shawna (1993), "Efficiency and Productivity," in The Measurement of Productivity Efficiency, H. Fried, C. A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press, 160-194
    • (1993) The Measurement of Productivity Efficiency , pp. 160-194
    • Grosskopf, S.1
  • 28
    • 27144485832 scopus 로고    scopus 로고
    • The effects of customer satisfaction, relationship commitment dimensions, and triggers on customer retention
    • DOI 10.1509/jmkg.2005.69.4.210
    • Gustafsson, Anders, Michael D. Johnson, and Inger Roos 2005 The Effects of Customer Satisfaction, Relationship Commitment Dimensions, and Triggers on Customer Retention," Journal of Marketing, 69 October 210-218 (Pubitemid 41504950)
    • (2005) Journal of Marketing , vol.69 , Issue.4 , pp. 210-218
    • Gustafsson, A.1    Johnson, M.D.2    Roos, I.3
  • 29
    • 70449362794 scopus 로고    scopus 로고
    • Explaining efficiency differences in large german and austrian banks
    • Hauner, David (2004) "Explaining Efficiency Differences in Large German and Austrian Banks," IMF Working Paper No. WP/04/40.
    • (2004) IMF Working Paper No. WP/04/40
    • Hauner, D.1
  • 30
    • 0030299446 scopus 로고    scopus 로고
    • Evaluation of salesforce size and productivity through efficient frontier benchmarking
    • Horsky, DanandPaulNelson1996EvaluationofSalesforceSizeand ProductivityThroughEfficientFrontierBenchmarking,MarketingScience,154301-320. (Pubitemid127031899)
    • (1996) Marketing Science , vol.15 , Issue.4 , pp. 301-320
    • Horsky, D.1    Nelson, P.2
  • 31
    • 33746411960 scopus 로고    scopus 로고
    • CEOs use technology to gather information, build customer loyalty
    • October 26
    • Hymowitz, Carol (2004), "CEOs Use Technology to Gather Information, Build Customer Loyalty," The Wall Street Journal, (October 26), B1.
    • (2004) The Wall Street Journal
    • Hymowitz, C.1
  • 32
    • 27144482455 scopus 로고    scopus 로고
    • The role of relational information processes and technology use in customer relationship management
    • October
    • Jayachandran, Satish, Subhash Sharma, Peter Kaufman, and Pushkala Raman (2005), "The Role of Relational Information Processes and Technology Use in Customer Relationship Management," Journal of Marketing, 69 (October), 177-192
    • (2005) Journal of Marketing , vol.69 , pp. 177-192
    • Jayachandran, S.1    Sharma, S.2    Kaufman, P.3    Raman, P.4
  • 33
    • 33745045482 scopus 로고    scopus 로고
    • Does success diminish competitive responsiveness? reconciling conflicting perspectives
    • -and Rajan Varadarajan (2006), "Does Success Diminish Competitive Responsiveness? Reconciling Conflicting Perspectives," Journal of the Academy of Marketing Science, 34 (3), 284-294
    • (2006) Journal of the Academy of Marketing Science , vol.34 , Issue.3 , pp. 284-294
    • Varadarajan, R.1
  • 34
    • 2142770183 scopus 로고    scopus 로고
    • Customer portfolio management: Toward a dynamic theory of exchange relationships
    • April
    • Johnson, Michael and Fred Seines (2004), "Customer Portfolio Management: Toward a Dynamic Theory of Exchange Relationships," Journal of Marketing, 68 (April), 1-17.
    • (2004) Journal of Marketing , vol.68 , pp. 1-17
    • Johnson, M.1    Seines, F.2
  • 35
    • 34247472099 scopus 로고    scopus 로고
    • Asymmetric new product development alliances: win-win or win-lose partnerships?
    • March
    • Kalaignanam, Kartik, Venkatesh Shankar, and Rajan Varadarajan (2007), "Asymmetric New Product Development Alliances: Win-Win or Win-Lose Partnerships?" Management Science, 53 (March), 357-374
    • (2007) Management Science , vol.53 , pp. 357-374
    • Kalaignanam, K.1    Shankar, V.2    Varadarajan, R.3
  • 36
    • 61849151119 scopus 로고    scopus 로고
    • Upper Saddle River, NJ: Wharton School Publishing
    • Kumar, V (2008), Managing Customers for Profit. Upper Saddle River, NJ: Wharton School Publishing.
    • (2008) Managing Customers for Profit
    • Kumar, V.1
  • 37
    • 17844376758 scopus 로고    scopus 로고
    • Building and sustaining profitable customer loyalty for the 21st century
    • -and Denish Shah (2004), "Building and Sustaining Profitable Customer Loyalty for the 21st Century," Journal of Retailing, 80 (4), 317-330
    • (2004) Journal of Retailing , vol.80 , Issue.4 , pp. 317-330
    • Shah, D.1
  • 38
    • 0000756502 scopus 로고
    • Generalized econometric models with selectivity
    • Lee, Lung-Fei (1983), "Generalized Econometric Models with Selectivity," Econométrica, 51 (2), 507-512.
    • (1983) Econométrica , vol.51 , Issue.2 , pp. 507-512
    • Lee, L.-F.1
  • 39
    • 0000410452 scopus 로고
    • A production frontier with flexible temporal variation in technical inefficiency
    • H. Fried, C.A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press
    • Lee, Young Hoon and Peter Schmidt (1993), "A Production Frontier with Flexible Temporal Variation in Technical Inefficiency," in The Measurement of Productivity Efficiency, H. Fried, C.A. Knox Lovell, and S. Schmidt, eds. New York: Oxford University Press, 237-255
    • (1993) The Measurement of Productivity Efficiency , pp. 237-255
    • Lee, Y.H.1    Schmidt, P.2
  • 40
    • 1642366596 scopus 로고    scopus 로고
    • Diamonds in data mine
    • May
    • Loveman, Gary W. (2003), "Diamonds in Data Mine," Harvard Business Review, 81 (May), 109-113.
    • (2003) Harvard Business Review , vol.81 , pp. 109-113
    • Loveman Gary, W.1
  • 41
    • 33750822512 scopus 로고    scopus 로고
    • Marketing's credibility: a longitudinal investigation of marketing communication productivity and shareholder value
    • October
    • Luo, Xueming and Naveen Donthu (2006), "Marketing's Credibility: A Longitudinal Investigation of Marketing Communication Productivity and Shareholder Value," Journal of Marketing, 70 (October), 70-91.
    • (2006) Journal of Marketing , vol.70 , pp. 70-91
    • Luo, X.1    Donthu, N.2
  • 42
    • 0001326732 scopus 로고
    • Resolving the scale efficiency puzzle in banking
    • McAllister, Patrick H. and Douglas McManus (1993), "Resolving the Scale Efficiency Puzzle in Banking," Journal of Banking and Finance, 17 (2-3), 389-405.
    • (1993) Journal of Banking and Finance , vol.17 , Issue.2-3 , pp. 389-405
    • McAllister, P.H.1    McManus, D.2
  • 43
    • 27144489130 scopus 로고    scopus 로고
    • Why do customer relationship management applications affect customer satisfaction?
    • DOI 10.1509/jmkg.2005.69.4.201
    • Mithas, Sunil, M.S. Krishnan, and Claes Fornell 2005 Why Do Customer Relationship Management Applications Affect Customer Satisfaction? Journal of Marketing, 69 October 201-209. (Pubitemid 41504949)
    • (2005) Journal of Marketing , vol.69 , Issue.4 , pp. 201-209
    • Mithas, S.1    Krishnan, M.S.2    Fornell, C.3
  • 44
    • 0033565892 scopus 로고    scopus 로고
    • Analyzing repeated measurements data: a practical comparison of methods
    • Omar Rumana Z., Eileen M. Wright, Rebecca M. Turner, and Simon G. Thompson (1999), "Analyzing Repeated Measurements Data: A Practical Comparison of Methods," Statistics in Medicine, 18 (13), 1587-1603.
    • (1999) Statistics in Medicine , vol.18 , Issue.13 , pp. 1587-1603
    • Omar Rumana, Z.1    Eileen, M.W.2    Turner, R.M.3    Thompson, S.G.4
  • 45
    • 0001286883 scopus 로고
    • Making mass customization work
    • September-October
    • Pine, B. Joseph, II, Bart Victor, and Andrew C. Boyton (1993), "Making Mass Customization Work," Harvard Business Review, 71 (September-October), 108-122.
    • (1993) Harvard Business Review , vol.71 , pp. 108-122
    • Joseph II, P.B.1    Victor, B.2    Boyton, A.C.3
  • 46
    • 4344657010 scopus 로고    scopus 로고
    • The customer relationship management process: Its measurement and impact on performance
    • DOI 10.1509/jmkr.41.3.293.35991
    • Reinartz, Werner, Manfred Krafft, and Wayne D. Hoyer 2004 The Customer Relationship Management Process: Its Measurement and Impact on Performance, Journal of Marketing Research, 41 August 293-305. (Pubitemid 39159796)
    • (2004) Journal of Marketing Research , vol.41 , Issue.3 , pp. 293-305
    • Reinartz, W.1    Krafft, M.2    Hoyer, W.D.3
  • 47
    • 13244292360 scopus 로고    scopus 로고
    • Balancing acquisition and retention resources to maximize customer profitability
    • January
    • -, Jacqueliyn S. Thomas, and V. Kumar (2005), "Balancing Acquisition and Retention Resources to Maximize Customer Profitability," Journal of Marketing, 69 (January), 63-79.
    • (2005) Journal of Marketing , vol.69 , pp. 63-79
    • Thomas, J.S.1    Kumar, V.2
  • 49
    • 27144558680 scopus 로고    scopus 로고
    • Customer strategy: Observations from the trenches
    • October
    • Rogers, Martha (2005), "Customer Strategy: Observations from the Trenches," Journal of Marketing, 69 (October), 262-263
    • (2005) Journal of Marketing , vol.69 , pp. 262-263
    • Rogers, M.1
  • 50
    • 8644240056 scopus 로고    scopus 로고
    • Measuring marketing productivity: Current knowledge and future directions
    • DOI 10.1509/jmkg.68.4.76.42721
    • Rust, Roland T., Tim Ambler, Gregory S. Carpenter, V. Kumar, and Rajendra K. Srivastava 2004 Measuring Marketing Productivity: Current Knowledge and Future Directions, Journal of Marketing, 68 (October), 76-89. (Pubitemid 39508313)
    • (2004) Journal of Marketing , vol.68 , Issue.4 , pp. 76-89
    • Rust, R.T.1    Ambler, T.2    Carpenter, G.S.3    Kumar, V.4    Srivastava, R.K.5
  • 51
    • 27144539220 scopus 로고    scopus 로고
    • Making customer relationship management work: the measurement and profitable management of customer relationships
    • October
    • Ryals, Lynette (2005), "Making Customer Relationship Management Work: The Measurement and Profitable Management of Customer Relationships," Journal of Marketing, 69 (October), 252-261
    • (2005) Journal of Marketing , vol.69 , pp. 252-261
    • Ryals, L.1
  • 52
    • 0032251946 scopus 로고    scopus 로고
    • Using sas proc mixed to fit multilevel models, hierarchical models, and individual growth models
    • Winter
    • Singer, Judith D. (1998), "Using SAS PROC MIXED to Fit Multilevel Models, Hierarchical Models, and Individual Growth Models," Journal of Educational & Behavioral Statistics, 23 (Winter), 323-355
    • (1998) Journal of Educational & Behavioral Statistics , vol.23 , pp. 323-355
    • Singer Judith, D.1
  • 53
    • 0344079408 scopus 로고
    • Market information processes and organizational learning
    • July
    • Sinkula, James (1994), "Market Information Processes and Organizational Learning," Journal of Marketing, 32 (July), 35-45.
    • (1994) Journal of Marketing , vol.32 , pp. 35-45
    • Sinkula, J.1
  • 54
    • 34547369652 scopus 로고    scopus 로고
    • Realizing benefits from enterprise resource planning: does strategic focus matter?
    • Stratman, Jeff K. (2007) "Realizing Benefits from Enterprise Resource Planning: Does Strategic Focus Matter?" Production and Operations Management, 16 (2), 203-216.
    • (2007) Production and Operations Management , vol.16 , Issue.2 , pp. 203-216
    • Stratman Jeff, K.1
  • 55
    • 84869665121 scopus 로고    scopus 로고
    • accessed July 2, 2009 available at
    • Thompson, Bob (2005), "CRM Industry Predictions for 2005: Five Key Trends," (accessed July 2, 2009), [available at http:// www.customerthink.com/article/crm-industry-predictions- for-2005-five-key- trends].
    • (2005) CRM Industry Predictions for 2005: Five Key Trends
    • Thompson, B.1
  • 57
    • 4644312789 scopus 로고    scopus 로고
    • A customer lifetime value framework for customer selection and resource allocation strategy
    • October
    • Venkatesan, Rajkumar and V. Kumar (2004), "A Customer Lifetime Value Framework for Customer Selection and Resource Allocation Strategy," Journal of Marketing, 68 (October), 106-125.
    • (2004) Journal of Marketing , vol.68 , pp. 106-125
    • Venkatesan, R.1    Kumar, V.2
  • 58
    • 0036003825 scopus 로고    scopus 로고
    • Cost and profit efficiency of financial conglomerates and universal banks in europe
    • February
    • Vennet, Rudi Vander (2002), "Cost and Profit Efficiency of Financial Conglomerates and Universal Banks in Europe," Journal of Money, Credit, and Banking, 34 (February), 254-282
    • (2002) Journal of Money, Credit, and Banking , vol.34 , pp. 254-282
    • Vennet, R.V.1
  • 59
    • 27144506174 scopus 로고    scopus 로고
    • CRM's realities don't match hype
    • March 19
    • Whiting, Rick (2001), "CRM's Realities Don't Match Hype," InformationWeek, (March 19), 79.
    • (2001) InformationWeek , vol.79
    • Whiting, R.1
  • 61
    • 4243107245 scopus 로고    scopus 로고
    • An evaluation of divergent perspectives on customer relationship management: towards a common understanding of an emerging phenomenon
    • August
    • Zablah, Alex R., Danny N. Bellenger, and Wesley J. Johnston (2004), "An Evaluation of Divergent Perspectives on Customer Relationship Management: Towards a Common Understanding of an Emerging Phenomenon," Industrial Marketing Management, 33 (August), 475-489
    • (2004) Industrial Marketing Management , vol.33 , pp. 475-489
    • Zablah Alex, R.1    Bellenger, D.N.2    Johnston, W.J.3


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.