Pomiar wartości marek handlowych i świadczenie usług: badanie empiryczne w nigeryjskim sektorze ubezpieczeniowym
Abstrakt
W niniejszym artykule oceniono pomiar wartości marek handlowych w odniesieniu do świadczenia
usług przez firmy ubezpieczeniowe w Nigerii. Przyjęto scenariusz badań objaśniających.
Posłużono się techniką celowego doboru próby, a dane zebrano za pomocą ustrukturyzowanego
kwestionariusza. Badaniem objęto 31 firm ubezpieczeniowych w Nigerii i uzyskano 68%
zwrotności kwestionariuszy z całej próby liczącej 212 respondentów. Zgromadzone w ten sposób
dane poddano analizie w oparciu o metodę regresji danych. Wyniki ukazały relatywne znaczenie
indywidualnego pomiaru wartości marki handlowej i jego pozytywny związek ze świadczeniem
usług przez przedsiębiorstwa ubezpieczeniowe w Nigerii. Niniejsze badania powinny uświadomić
organy regulacyjne co do potrzeby ciągłego zaangażowania środowiska akademickiego,
praktyków ubezpieczeniowych oraz innych interesariuszy w analizowanie, nadzorowanie i
poprawę poziomu penetracji rynku ubezpieczeniowego w Nigerii. Zaleca się, aby praktycy
ubezpieczeniowi włączyli kreowanie wartości w proces świadczenia usług jako krytycznie ważne,
co pozwoli na dobry wizerunek i reputację marki. Wreszcie, Krajowa Komisja Ubezpieczeniowa
(ang.: National Insurance Commission) powinna poważnie traktować swą funkcję nadzorczą
poprzez regularne angażowanie się w pozyskiwanie opinii zwrotnej ubezpieczających i
ubezpieczonych w zakresie opinii klientów na temat marek ubezpieczeniowych. Artykuł
przedstawia empiryczne podejście do menedżerów firm ubezpieczeniowych z punktu widzenia
potrzeby zwracania uwagi i badania świadomości marki, skojarzeń z marką oraz zaufania do niej
przez klientów.
Słowa kluczowe:
wartość marki, świadczenie usług, zaufanie do marki, firmy ubezpieczeniowe, NigeriaBibliografia
Aaker, D. (2003). The power of the brand differentiator. Sloan Management Review Fall: 83-87
Google Scholar
Anon (2004b). The future of financial services. US Banker: Thomas Media.
Google Scholar
Anon (2004a). Key imperatives for value creation. Life Insurance International 8-9.
Google Scholar
Ajemunigbohun, S.S.; Dansu, F.S.; Asokere, S.S. (2010). Marketing: Repolishing insurance service delivery (Nigeria’s Case). African Journal of Management and Administration 3 (4): 123-126.
Google Scholar
Atchinson, B. (2008). Self regulation and the insurance industry – A viable proposition in Geneva Association information newsletter. PROGRES 48/December.
Google Scholar
Babbie, E. (2005). The basic of social research. 3rd ed. Canada: Thomson Learning Inc.
Google Scholar
Baldauf, A.; Cravens K.S.; Binder G. (2003). Performance Consequences of Brand Equity Management Evidence from Organization in the Value Chain. Journal of Product &Brand Management 12 (4): 220-236.
Google Scholar
Bamert, T.; Wehrli, H.P. (2005). Service quality as an important dimension of brand equity in Swiss service industries. Managing Service Quality 15 (2): 132-141.
Google Scholar
Belaid, S.; Behi, A.T. (2011). The role of attachment in building consumer-brand relationships: An empirical investigation in the utilitarian consumption context. Journal of Product and Brand Management 20 (1): 37-47.
Google Scholar
Benrud, E. (2004). Competition between low and high quality products in the financial service market. Journal of Financial Services Research 23 (2): 133-147.
Google Scholar
Berry, L.L. (2000). Cultivating service brand equity. Journal of the Academy of Marketing Science 28: 128-137.
Google Scholar
Biel, A.L. (1992). How brand image drives brand equity. Journal of Advertising Research 12: 6 – 12.
Google Scholar
Brenda, S. (2002). The insurance company branding challenge. Insurance Marketing Magazine February/March.
Google Scholar
Brophy, R. (2005). Branding and product distribution in the Irish Insurance Industry. Insurance Institute of Ireland February 14.
Google Scholar
Chandon, P. (2003). Note on measuring brand awareness, brand image, brand equity and brand value. Working Paper Series. Faculty & Research.
Google Scholar
Chen, A.C. (2001). Using free association to examine the relationship between the characteristics of brand association and brand equity. Journal of Product and Brand Management 10 (7): 439-451.
Google Scholar
Damtew, K.; Pagidimarri, V. (2013). The role of trust in building customer loyalty in insurance sector: A study. IOSR Journal of Business and Management 14 (4): 82-93.
Google Scholar
Davis, S.M. (2000). Brand asset management. San Francisco: Jossey-Bass.
Google Scholar
Davis, S.M. (2000). Brand asset management: driving profitable growth through your brand. California: Jossey-Bass Incorporation.
Google Scholar
Delgado-Ballester, E.; Munuera-Aleman, J.L. (2005). Does brand trust matter to brand equity? Journal of Product and Brand Management 14 (3): 187-196.
Google Scholar
Etzel, M.J.; Walker, B.J.; Stanton, W.J. (2001). Marketing. 12th edn. New York: McGraw-Hill Companies Incorporated.
Google Scholar
Farhana, M. (2012). Brand elements lead to brand equity: Differentiate or die. Information Management and Business Review 4 (4): 223 – 233.
Google Scholar
Fill, C. (2005). Marketing communication: Engagement, strategy and practice. England: Pearson Education Limited.
Google Scholar
Fournier, S. (2011). Consumers’ relationships with brands. Perspectives on Brand Management 1: 229 – 252.
Google Scholar
Gautam, V.; Kumar, M. (2012). An empirical investigation to analyze the brand equity and resonance of banking services: Evidence from India. Management 7(1): 3-16.
Google Scholar
Gbede, G.O. (2003). Marketing insurance service. Lagos: Westbourne Business School.
Google Scholar
Ghodeswar, B.W. (2008). Building brand identity in competitive markets: A conceptual model. Journal of Product and Brand Management 17 (1): 4-12.
Google Scholar
Halliburton, C.; Poebaru, A. (2010). The role of trust in consumer relationship. ESCP Europe Business School.
Google Scholar
He, H.; Li, Y. (2011). Key service drivers for high-tech service brand equity: The mediating role of overall service quality and perceived value. Journal of Marketing Management 27 (1/2): 77-79.
Google Scholar
Homburg, C.; Pflesser, C. (2000). A multiple layer model of market-oriented organizational culture: Measurement issues and performance outcomes. Journal of Marketing Research 37(4): 449−462.
Google Scholar
Homburg, C.; Klarmann, M.; Schmitt, J. (2010). Brand awareness in business markets: When is it related to firm performance? International Journal of Research in Marketing 27: 201-212.
Google Scholar
Hsieh, A.; Li, C. (2007). The moderating effect of brand image on public relations perceptions and customer loyalty. Marketing Intelligence and Planning 26 (1): 26-42
Google Scholar
Hsu, T.; Hung, L.; Tang, J. (2012). An analytical model for building brand equity in hospitality firms. Annals of Operations Research 195 (1): 355-378.
Google Scholar
Jobber, D. (2004). Principal and practice of marketing (4th edn). UK: McGraw-hill International Limited.
Google Scholar
Jobber, D. (2007). Principles and practice of marketing .5th ed. Berkshire: McGraw-Hill Education
Google Scholar
Keller, K.L. (2001). Building customer-based brand equity: A blueprint for creating strong brands. Marketing Science Institute.
Google Scholar
Keller, K.L. (2003). Strategic brand management: Building, measuring and managing brand equity. 2nd ed. Upper Saddle River: Prentice Hall
Google Scholar
Keller, K.L. (2003). Understanding brands, branding and brand equity. Interactive Marketing 5 (1): 7.
Google Scholar
Keller, K.L. (2009). Building strong brand in a modern marketing communications environment. Journal of Marketing Communication 15 (2/3): 139-155.
Google Scholar
Keller, K.L. (2013). Strategic brand management: Building, measuring and managing brand equity (4th edn). Essex: Pearson Education Limited.
Google Scholar
Keller, K.L.; Lehmann, D.R. (2003). How do brands create value? Marketing Management May/June: 26-31.
Google Scholar
Kim, K.H.; Kim, K.S.; Kim, D.Y.; Kim, J.H.; Kang, S.K. (2008). Brand equity in hospital marketing. Journal of Business Research 61 (1): 75-82.
Google Scholar
Kimpakorn, N.; Tocquer, G. (2010). Service brand equity and employee brand commitment. Journal of Services Marketing 24 (5): 378-388.
Google Scholar
Knapp, D.E. (2000). The brand mindset. New York: McGraw-Hill.
Google Scholar
Kohli, P.; Levthesser, L. (2009). Brand equity: capitalizing on intellectual capital. Fullerton: California State University.
Google Scholar
Koniewski, M. (2012). Brand awareness and customer loyalty. PMR Research. Available at:http://www.research-pmr.com/userfiles/file/wp/Brand-Awareness-and-Customer-Loyalty.pdf. Accessed 15 November 2017.
Google Scholar
Kotler, P.; Keller, K.L. (2009). Marketing management (13th edn). New Jersey: Pearson Education Incorporated.
Google Scholar
Krishnan, B.C.; Hartline, M.D. (2001). Brand equity: is it more important in services? Journal of Services Marketing 15 (5): 328-342.
Google Scholar
Krishnan, H.S. (1996). Characteristics of memory association: A customer-based equity perspective. International Journal of Research in Marketing 13: 389-405.
Google Scholar
Kuikka, A.; Laukkanen, T. (2012). Brand loyalty and the role of hedonic value. Journal of Product and Brand Management 21 (7): 529-537.
Google Scholar
Leone, R.P.; Roa, V.R.; Keller, K.L.; Luo, A.N.; McAlister, L.; Srivastava, A. (2006). Linking brand equity to customer equity. Journal of Service Research 9 (2): 125-138.
Google Scholar
Lovelock, C.; Wright, L. (1999). Principles of service marketing and management. New York: Upper Saddle River.
Google Scholar
Macdonald, E.K.; Sharp, B.M. (2000). Brand awareness effects on consumer decision making for a common, repeat product: A replication. Journal of Business Research 48 (1): 5-15.
Google Scholar
Malik, M.E.; Ghafoor, M.M.; Iqbal, H.K. (2013). Importance of brand awareness and brand loyalty in assessing purchase intentions on consumer. International Journal of Business and Social Science 4 (5): 167-171.
Google Scholar
Maryam, H.D.; Nayyeri, L.R. (2012). Evaluating the brand equity from the view of customers in Banking. International Conference on Law, Humanities and Management July: 15-16.
Google Scholar
Microsoft Dynamics Report (2009). Insurers boost productivity, improve service and better manage data with CRM. Available at: http://www.crm.dynamics.com. Accessed 15 November 2014.
Google Scholar
Morgan, R.M.; Hunt, S.D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing 58: 20-38.
Google Scholar
Mourad, M.; Ennew, C.; Kortam, W. (2011). Brand equity in higher education. Marketing Intelligence and Planning 29(4): 403-420.
Google Scholar
Mudie, P.; Cottam, A. (1999). The management and marketing of services. Oxford: Butterworth Heinemann.
Google Scholar
Nath, P.; Bawa, A. (2011). Measurement of brand equity of services: Scale construction and validation. Journal of Service Research 11(2): 135-154.
Google Scholar
Nwankwo, S.I.; Ajemunigbohun, S.S. (2013). Customer relationship management and customer retention: Empirical assessment from Nigeria’s Insurance Industry. Business and Economics Journal 4(2). Doi: 10.4172/2151-6219.1000081.
Google Scholar
Nwankwo, S.I.; Durowoju, S.T. (2011). Customers’ evaluation of the quality of insurance services in Lagos, Nigeria. International Journal of Business and Management 6(10): 265-272.
Google Scholar
O’cass, A.; Grace, D. (2003). An exploratory perspective of service brand associations. Journal of Services Marketing 17: 452-475.
Google Scholar
O’cass, A.; Grace, D. (2004). Exploring consumer experiences with a service brand. Journal of Product and Brand Management 13: 257-268.
Google Scholar
O’Loughlin, D.; Szmigin, I. (2005). External and internal accountability of financial services suppliers: current paradoxes in managing expectations and experiences. Journal of Strategic Marketing 13(2): 133-147.
Google Scholar
Olowokudejo, F.F. (2009). Does religion affects the procurement of insurance policies? Evidence from Nigeria. The Nigerian Journal of Risk and Insurance 6: 30-42.
Google Scholar
Ozretic-Dosen, D. (2007). Service branding: Analysis of brand names and symbols in insurance brand-building in Croatia and Slovenia. Research Paper: University of Zagreb 40(3): 147-156.
Google Scholar
Punch (2016). List of registered insurance companies in Nigeria. October, Wednesday, 12: 17.
Google Scholar
Quarles, R. (2004). A conceptual and measurement model for brand equity research. QSA Research and Strategy.
Google Scholar
Rajagopal (2008). Measuring brand performance through metrics application. Measuring Business Excellence 12(1): 29-38
Google Scholar
Rego, L.L.; Billett, M.T.; Morgan, N.A. (2009). Consumer-based brand equity and firm risk. Journal of Marketing 74 (November): 47-60.
Google Scholar
Roberts, J.; Merriless, B. (2007). Multiple roles of brands in business-to-business services. Journal of Business and Industrial Marketing 22(6): 410-417.
Google Scholar
Rust, R. T.; Chung, T. (2006). Marketing models of service and relationships. Marketing Science 3(2): 5-16.
Google Scholar
Sammy, M.K.; Iravo, M.; Omwenga, J. (2016). Effects of service brand personality on brand performance in the context of Kenya’s Insurance Sector. European Journal of Business and Management 8 (18): 104-115.
Google Scholar
Saunders, M.; Lewis, P.; Thornhill, A. (2009). Research methods for business students (5th edn.). Essex: Pearson Education Limited.
Google Scholar
Schanz, K. (2014). Brand equity in insurance-An economic view. Available at: http//www.meinsurancereview.com. Accessed 16 January 2017.
Google Scholar
Severi, E.; Ling, K.C. (2013). The mediating effects of brand association, brand loyalty, brand image and perceived quality on brand equity. Asian Social Science 9 (3): 125-137.
Google Scholar
Siddiqui, M.H.; Sharma, TG. (2010). Measuring the customer perceived service quality for Life insurance services: An empirical investigation. International Business Research 3(3): 171-186.
Google Scholar
Taylor, S.A.; Hunter, G.L.; Lindberg, D.L. (2007). Understanding (Customer-based) brand equity in financial services. Journal of Service Marketing 21(4); 241-252.
Google Scholar
Temporal, P. (2000). Branding in Asia. Singapore: John Wiley & Sons.
Google Scholar
Van Looy, B.; Gemmel, P.; Va Dierdonck, R. (2003). Services management – An integrating approach. Harlow: Prentice Hall.
Google Scholar
Wang, J. (2015). The relationship between brand association and brand equity in the brand relationship management. International Research Journal of Arts and Social Sciences 4(1): 1-6.
Google Scholar
Wang, W.; Li, H. (2012). Factor influencing mobile service adoption: A brand equity perspective. Internet Research 22(2): 142-179.
Google Scholar
Wijaya, B.S. (2013). Dimensions of brand image: a conceptual review from the perspective of brand communication. European Journal of Business Management 5(31): 55-65.
Google Scholar
Wood, L. (2000). Brands and brand equity: Definition and management. Journal of Management Decision 38(9): 662-669.
Google Scholar
Wu, C.; Liao, S.; Chen, Y.; Hsu, W. (2011). Service quality, brand image and price fairness impact on the customer satisfaction and loyalty. Proceedings of the IEEE – IEEM.
Google Scholar
Yusuf, T.O.; Gbadamosi, A.; Hamadu, D. (2009). Attitude of Nigerians towards insurance services: An empirical study. African Journal of Accounting, Economics, Finance and Banking Research 4: 34-46.
Google Scholar
Autorzy
Sunday Stephen AjemunigbohunStatystyki
Downloads
Licencja
Prawa autorskie (c) 2020 Economic and Environmental Studies
Utwór dostępny jest na licencji Creative Commons Uznanie autorstwa – Użycie niekomercyjne – Na tych samych warunkach 4.0 Międzynarodowe.