engleski

Analysis of factors influencing bank selection

The crisis that struck global economy in 2008 is still present in Croatia. Besides spillover effects, Croatia is facing many accumulated and structural problems of its own like the decline in manufacturing and processing industry, high unemployment and ambiguity regarding future. In these surroundings the traditional way of preserving value by keeping savings in banks gained on importance since riskier alternatives seem too risky to many. But even the banks are not all the same as they differ in size, business effectiveness, accessibility and offered services. Therefore, the aim of this research is to establish variables that could influence rational economic subjects (individuals or firms) in their bank selection process, and test these variables through the of multiple regression method. The results showed that some of the selected variables displayed statistical significance as expected, but also, that some of the theoretically important variables proved unusable as predictors of the banks’ ability to attract deposits.

bank selection, decision making, bounded rationality, SMEs, multiple regression analysis

nije evidentirano