Different Types of Fee Calculations on the RCBS Market in the Czech Republic

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F62690094%3A18450%2F21%3A50018328" target="_blank" >RIV/62690094:18450/21:50018328 - isvavai.cz</a>

Výsledek na webu

<a href="https://digilib.uhk.cz/bitstream/handle/20.500.12603/534/MATEJICEK_Martin_Anna_S_KOWALSKA.pdf?sequence=1&isAllowed=y" target="_blank" >https://digilib.uhk.cz/bitstream/handle/20.500.12603/534/MATEJICEK_Martin_Anna_S_KOWALSKA.pdf?sequence=1&isAllowed=y</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.36689/uhk/hed/2021-01-056" target="_blank" >10.36689/uhk/hed/2021-01-056</a>

Jazyk výsledku

angličtina

Název v původním jazyce

Different Types of Fee Calculations on the RCBS Market in the Czech Republic

Popis výsledku v původním jazyce

Nowadays, almost everyone uses banking services. However, there is room in the market for bad decision-making by clients in the RCBS market, which is caused by information asymmetries. The main goal of this paper is to simulate consumer behavior and compare the offer in the banking services market in the Czech Republic. A total of 9 different payment accounts were selected for the research, which are intended for non-business natural persons. Furthermore, two customer groups were defined, for which the fees for the mentioned payment accounts were subsequently calculated on the basis the intensities of the use of certain services. In general, it was found that the stochastic calculation is more different than the deterministic one, especially for accounts and services that contain a certain condition, and the intensity of use is close to the transitional limit of this condition. On the contrary, in the case of bank calculators, the differences compared to the calculation from the tariffs were too large, and there was also a considerable mixing of the order according to the price.

Název v anglickém jazyce

Different Types of Fee Calculations on the RCBS Market in the Czech Republic

Popis výsledku anglicky

Nowadays, almost everyone uses banking services. However, there is room in the market for bad decision-making by clients in the RCBS market, which is caused by information asymmetries. The main goal of this paper is to simulate consumer behavior and compare the offer in the banking services market in the Czech Republic. A total of 9 different payment accounts were selected for the research, which are intended for non-business natural persons. Furthermore, two customer groups were defined, for which the fees for the mentioned payment accounts were subsequently calculated on the basis the intensities of the use of certain services. In general, it was found that the stochastic calculation is more different than the deterministic one, especially for accounts and services that contain a certain condition, and the intensity of use is close to the transitional limit of this condition. On the contrary, in the case of bank calculators, the differences compared to the calculation from the tariffs were too large, and there was also a considerable mixing of the order according to the price.

Druh

D - Stať ve sborníku

CEP obor

—

OECD FORD obor

50204 - Business and management

Projekt

—

Návaznosti

S - Specificky vyzkum na vysokych skolach

Rok uplatnění

2021

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název statě ve sborníku

HRADEC ECONOMIC DAYS, VOL 11(1)

ISBN

978-80-7435-822-7

ISSN

2464-6059

e-ISSN

2464-6067

Počet stran výsledku

9

Strana od-do

571-579

Název nakladatele

University of Hradec Králové

Místo vydání

Hradec Králové

Místo konání akce

Hradec Kralove

Datum konání akce

25. 3. 2021

Typ akce podle státní příslušnosti

WRD - Celosvětová akce

Kód UT WoS článku

000670596900056