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8/3/2019 Study of Client Acquisition and Selling Process Of
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STUDY OF CLIENT
ACQUISITION AND SELLINGPROCESS OF CREDIT CARDOF HDFC
Presented by_____
Mr. DEVI LALKUMAWAT
MBA III rd Sem.
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Contents : ___ Introduction
a. Indian Banking industry
b. HDFC Bank
Research Methodology
Client acquisition
Credit card
Credit card of HDFC Bank
Types of credit card
Questionnaire
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Introduction
Indian Banking industry ____
Banking in India originated in the lastdecades of the 18th century.
The first banks were The General Bank ofIndia, which started in 1786, and Bank of
Hindustan, which started in 1790; both arenow defunct.
The oldest bank in existence in India is theState Bank of India, which originated in the
Bank of Calcutta in June 1806, which almost
http://en.wikipedia.org/wiki/Bank_of_Bengal8/3/2019 Study of Client Acquisition and Selling Process Of
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Adoption of technology inbanking
The IT revolution had a great impact in theIndian banking system.
The use of computers had led tointroduction of online banking in India.
The use of the modern innovation andcomputerization of the banking sector ofIndia has increased many fold after theeconomic liberalization of 1991 as thecountry's banking sector has been
exposed to the world's market.
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Number of ATMs of different ScheduledCommercial Banks Of India as on end March 2005
http://en.wikipedia.org/wiki/File:NUMBER_OF_ATM.png8/3/2019 Study of Client Acquisition and Selling Process Of
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COMPANY PROFILE: -
Deepak Parekh is the chairman
of HDFC, the countrys leading
housing finance company.
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HDFC Bank Limited is a major Indianfinancial services company based in India,incorporated in August 1994, after the
Reserve Bank of India allowedestablishing private sector banks.
The Bank was promoted by the Housing
Development Finance Corporation, apremier housing finance company (set upin 1977) of India.
http://en.wikipedia.org/wiki/Financial_servicehttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Housing_Development_Finance_Corporationhttp://en.wikipedia.org/wiki/Housing_Development_Finance_Corporationhttp://en.wikipedia.org/wiki/Housing_Development_Finance_Corporationhttp://en.wikipedia.org/wiki/Housing_Development_Finance_Corporationhttp://en.wikipedia.org/wiki/Reserve_Bank_of_Indiahttp://en.wikipedia.org/wiki/Indiahttp://en.wikipedia.org/wiki/Financial_service8/3/2019 Study of Client Acquisition and Selling Process Of
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HDFC Bank has 1,986 branches and over5,471 ATMs, in 996 cities in India, and allbranches of the bank are linked on an online
real-time basis. As of 30 September 2008 thebank had total assets of Rs.1006.82 billion.
It is one of the Big Four banks of India, alongwith State Bank of India, ICICI Bank andPunjab National Bankits main competitors.
http://en.wikipedia.org/wiki/Assetshttp://en.wikipedia.org/wiki/Big_Four_(banks)http://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/ICICI_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/Punjab_National_Bankhttp://en.wikipedia.org/wiki/ICICI_Bankhttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Big_Four_(banks)http://en.wikipedia.org/wiki/Assets8/3/2019 Study of Client Acquisition and Selling Process Of
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Research
Methodology
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Objective of study
Scope of Study
Limitation of study Analysis and interpretation through
secondary Primary data
SWOT analysis
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Objective of study
To get knowledge about Banking industry.
To know the various Credit card productsavailable in the banks.
To compare the different credit card of wholebanks of India.
To know the market trend.
To understand the customer opinion about thecredit card .
To find the different way of convincingcustomers.
To increase the business of the bank.
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Scope of Study
Studying the increasing business scope of thebank.
Market segmentation to find the potential
customers for the bank. To study how the various products are
positioned in the market.
Corporate marketing of products. Customers perception on the various products
of the bank.
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Limitation of study
The researcher tried to make the research workas accurate & authentic as possible. Howeverthe following constraints were still unavoidable.
The information provided by the respondents onwhich all the results were drawn cannot bedenied that here was always a possibility ofresponse error.
The project was constrained by time limit of two
months.
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Mindset of people may very depending upontheir age, gender, income etc.
People mind set about the survey was an obstacle in acquiring completeinformation &positive interaction.
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SWOT
Analysis
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Strengths : -
Right strategy for the right products.
Superior customer service vs. competitors.
Great Brand Image.
Products have required accreditation.
High degree of customer satisfaction.
Good place to work
Lower response time with efficient and effectiveservice.
Dedicated workforce aiming at making a long-termcareer in the field.
http://managementfunda.com/customer-service/http://managementfunda.com/customer-service/8/3/2019 Study of Client Acquisition and Selling Process Of
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Weakness :
Some gaps in range for certain sectors.
Customer service staff need training.
Processes and systems, etc
Management cover insufficient.
Sectoral growth is constrained by lowunemployment levels and competition for staff
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Opportunities :
Profit margins will be good.
Could extend to overseas broadly.
New specialist applications.
Could seek better customer deals. Fast-track career development opportunities
on an industry-wide basis.
An applied research center to createopportunities for developing techniques toprovide added-value services.
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Threats : -
Legislation could impact.
Great risk involved
Very high competition prevailing in the
industry.
Vulnerable to reactive attack by majorcompetitors.
Lack of infrastructure in rural areas couldconstrain investment.
High volume/low cost market is intensely
competitive.
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Client acquisition
Client acquisition is the sales andmarketing process of obtaining newcustomers.
Client acquisition means acquire ofclients.
Client acquisition can complete by
Phone calling.
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Credit card ___
A credit card is a small plastic card issued tousers as a system of payment.
It allows its holder to buy goods and services
based on the holder's promise to pay for thesegoods and services.
The issuer of the card creates a revolving
account and grants a line of credit to theconsumer (or the user) from which the usercan borrow money for payment to a merchantor as a cash advance to the user.
http://en.wikipedia.org/wiki/Plastichttp://en.wikipedia.org/wiki/Paymenthttp://en.wikipedia.org/wiki/Revolving_accounthttp://en.wikipedia.org/wiki/Revolving_accounthttp://en.wikipedia.org/wiki/Line_of_credithttp://en.wikipedia.org/wiki/Consumerhttp://en.wikipedia.org/wiki/Merchanthttp://en.wikipedia.org/wiki/Cash_advancehttp://en.wikipedia.org/wiki/Cash_advancehttp://en.wikipedia.org/wiki/Merchanthttp://en.wikipedia.org/wiki/Consumerhttp://en.wikipedia.org/wiki/Line_of_credithttp://en.wikipedia.org/wiki/Revolving_accounthttp://en.wikipedia.org/wiki/Revolving_accounthttp://en.wikipedia.org/wiki/Paymenthttp://en.wikipedia.org/wiki/Plastic8/3/2019 Study of Client Acquisition and Selling Process Of
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http://en.wikipedia.org/wiki/File:Creditcardwcontactless.pnghttp://en.wikipedia.org/wiki/File:Smartcard2.png8/3/2019 Study of Client Acquisition and Selling Process Of
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Regalia Credit Card
Superia Credit Card
Platinum Edge Credit Card
Titanium Edge Credit Card
Platinum Plus Credit Card
Platinum Plus Chip Credit Card
Visa Signature Credit Card
World MasterCard Credit Card
Credit Cards of HDFC Bank ____
http://www.hdfcbank.com/personal/Cards/Credit_Cards/Regalia/Regalia.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/superia/Superia.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Platinum/Platinum_Edge.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Titanium/Titanium_Edge.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Platinum_Plus_Credit_Card/platinumplus.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Platinum_Plus_Chip_Card/Platinum_Plus_Chip_Card_features.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Visa_Signature_Credit_Card/cc_visa_sign.htmhttp://www.hdfcbank.com/personal/prd_glance.htmhttp://www.hdfcbank.com/personal/prd_glance.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Visa_Signature_Credit_Card/cc_visa_sign.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Platinum_Plus_Chip_Card/Platinum_Plus_Chip_Card_features.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Platinum_Plus_Credit_Card/platinumplus.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Titanium/Titanium_Edge.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Platinum/Platinum_Edge.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/superia/Superia.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/superia/Superia.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/superia/Superia.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Regalia/Regalia.htm8/3/2019 Study of Client Acquisition and Selling Process Of
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Titanium Credit Card
Gold Credit Card
Woman's Gold Credit Card
Silver Credit Card
Value Plus Credit Card
Corporate Platinum Credit Card
Corporate Credit Card
Business Platinum Credit Card
http://www.hdfcbank.com/personal/Cards/Credit_Cards/Titanium_Credit_Card/cc_prm_titanium.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Gold_Credit_Card/cc_prm_gold.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Woman's_Gold_Credit_Card/cc_womans.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Silver_Credit_Card/cc_silver.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Value_Plus_Credit_Card/cc_valueplus.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/corporate_platinum/corporate_platinum.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Corporate_Credit_Card/corporate.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Corporate_Credit_Card/corporate.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/corporate_platinum/corporate_platinum.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Value_Plus_Credit_Card/cc_valueplus.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Silver_Credit_Card/cc_silver.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Woman's_Gold_Credit_Card/cc_womans.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Gold_Credit_Card/cc_prm_gold.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Titanium_Credit_Card/cc_prm_titanium.htm8/3/2019 Study of Client Acquisition and Selling Process Of
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For examplesGold Credit Card ___
Gold Credit Card Features & Benefits:
Attractive Reward Point
Revolving credit facility
Free Add-on card
Interest free credit facility
Zero liability on lost card
http://www.hdfcbank.com/personal/Cards/Credit_Cards/Gold_Credit_Card/cc_prm_gold.htmhttp://www.hdfcbank.com/personal/Cards/Credit_Cards/Gold_Credit_Card/cc_prm_gold.htm8/3/2019 Study of Client Acquisition and Selling Process Of
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Questionnaire ___
a. How many credit cards you have?
One
Two
Three
More than three
b. Why do you like to use credit card?
Payments
Convenience Security
Others
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c. For what purposes you used your credit card?
Money transaction
Online purchasing
Shoping
Ticket reservation Others
d. Please indicate which payment method you would prefer touse in each of the following scenarios?
Booking a plane and railway ticket Booking a hotel
Paying a electricity bill
Paying for insurance
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e. Are you satisfied with the services providingby your credit card of Hdfc bank ?
Very Satisfied
Satisfied
Indifferent
Dissatisfied
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Thanks