to understand the motives of banks and customers in the banking business by using psychology ...
as the financial markets are going through rapid changes and great upheavals, and I think should I do self-aware bank. Will get away from all the economy and focus only on what it means to be a banker or an investor from a psychological perspective. Of course, the driving force is money for the banking and banks thrive on consumer culture. Banks have diverse functions of the stability of the economy on the stability of a person's credit history, banks can be, investment, savings, retail, your focus or commercial mortgage. There are two ways in which science can be formulated Banking psychology. One way to understand the psychology of the banking and the other is to get in the mind of the customer or the customer / investor. Banking is like any other business, but the only difference between the banks and other companies is that in the case of banks, bankers and clients deal directly and only with money and this can have a big impact on how much importance to give banking operations. Money is something primal and raw, it's almost like a stimulating kind of basic need, and the prospect of dealing with raw money is sexy and intimidating object
The Banker:
is based onaware of the banking self on personal, social and political need for the money. Banker first and foremost are concerned about profits own, how much more is to add up to their account and is almost addictive. Is just as obsessed with the merchant or owner of the shop with goods available, they will be banking obsessed with the money he is able to lend, borrow or do business with it. The urgent need to make more money is what drives the banks in the first place. This can be considered as a need for "personal" and craving for money to meet the largely personal wants. Any investment or commercial banker or broker, or anyone in the financial sector has assumed a healthy or unhealthy personal need for the money. Of course, we all need the love of money, but bankers are more focused on money.
Second, the banking falling in love with money, and focuses not only on money but also on other people's money. It is necessary to understand that the money remains an essential object of interest to the bank and the smell of money can make him altruism rather than focus so that there is a general or "social" need to protect and care for other people's money as well.
Third bank has a political need for the largest whether he manipulated / controlled his money or other people's money and this "political" It is essential that stems from the understanding of the economic situation of the country and the realization that he has an active role to play in stabilizing the economy.
while the first personal need for money meets the basic engines for individuals, social and the need to protect other people's money is somewhat altruistic, political and the need to stabilize the country's economy is very much needed power. Thus the money to a bank wants to serve his altruism, and the needs and desires of personal strength. This could almost be interpreted as a psychological model of Maslow's hierarchy that the basic desires come first, followed by the energy needs and then through the needs of altruism. In view of this, any bank first be interested in its profits for, and secondly in the economy and stability of the homeland and all concerned finally about his customers and investors
and customers:
The second side of the debate is about how the bank can help draw the psychology of customers, clients or investors. There are different types of customers and people have priorities or expectations of banks and various banks. Customers may be a need for borrowing, the need to invest or to provide need based on age or stage of life they are in. For example, young people and low-income students are interested in borrowing facilities through credit cards, loans and they consider banks as a support for the convening of the financial problems . Of course, borrowing equally important for business and professionals, but the motivation may be different. The need to "borrow" the emerging role of the personal or professional needs be the most important banking activities among young people, youth and students, alumni or people aged between jobs or reason will be banking payment recently used due to the borrowing needs. So overall, 18-30 years old are usually less interested in interest rates and more interested in borrowing facilities they can get their own credit cards or loans during this "step in" stage of their lives.
and young professionals and individuals in middle age and usually more savvy banking will be looking to increase their ability to make money through investments already. This is the group that focuses on the best interest rates and better returns on investments rather than direct borrowing unless absolutely necessary. The need for 'investment' of young professionals and middle age can interfere with the borrowing needs when buying a home or build a new business venture becomes a priority. It is strange that these investments again until 30-55 years of age are looking mainly for investment banking services and helps to meet the needs of their investments during the crucial "build" phase of their lives. Was a sign of middle age put late to aging by increasing fear of loss of life, and that you need to save for the future. We are attuned to worry about the future and mainly about aging and dependence. Physical strength decline and the life of productive work is being very real, and we want to save for the elderly, which starts after 50 and continue until at least 70. Although this realization we happen earlier, we usually do not seem to show the savings needs to have in order to reach at least to reach late middle age. During the mid-life of late, it is the motives of the banking needs primarily from the need for clients to save "in the late age East are looking to save their income is not too concerned with the investments. This is the time when people start to move consciously away from the social and professional life despite gradually too. men and women, elderly people simply want their money to be there when they need it during this "stay away" stage of life.
course through a very old age, and the need to borrow or invest or save gradually reduced. psychological phases mentioned above are General does not consider individual differences. many people get savings or investment needs at an early stage of life, there can be social and cultural patterns in the banking and financial sector, the behavior of individuals. think of a more personal / and individual point of view, borrowing, saving and investment needs of any individual could be interesting with the help of psychoanalysis interpretation. suggested Freud that every one of us to go through the stages of oral, anal, phallic, latency and genital sex in our childhood and patterns of our personality are shaped to a large extent whether we have an effective resolution of conflicts during this period or simply It became fixated at a certain stage. Thus anal retain figures are those who have an excessive need for control or accuracy until they are more likely to be saved from a very early age, and even extreme parsimony in financial matters or the banking behavior of these individuals appear. Personal extruder anus is wasting so much that these individuals will be interested in excessive borrowing, and that their credit history can turn into a mess. Aggressive personalities oral who are ambitious and have a radical investment needs and although this may be a positive side, you should be aware of the bankers of the more psychological aspects of individuals before loaning very soon. Maybe the banks should be performed psychological tests on individuals before lending to understand clients that are likely to pay off, and that clients are unlikely to fulfill their obligations and then maybe you will be able to avoid the banking disasters in the future.
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