@incollection{, A8F27ECA8FED3C50E928CFC7388DEAE1 , author={{Dr. Festus AleruchiNmegbu} and {Dr. Festus AleruchiNmegbu} and {Department of Marketing Faculty of Management University of Port Harcourt}}, journal={{Global Journal of Management and Business Research}}, journal={{GJMBR}}2249-45880975-585310.34257/GJMBR, address={Cambridge, United States}, publisher={Global Journals Organisation}141727 } @book{b0, , title={{Better Patient Care'Through Nursing Research}} , author={{ FGAbdellah } and { ELevine }} , year={1979} , publisher={Macmillan Publishing} , address={New York} } @book{b1, , title={{A paper presentation in London during the Institute of bankers Assembly London}} , author={{ EAbolo }} , year={2012} } @incollection{b2, , title={{Internal marketing and the mediating role of organizational competencies}} , author={{ PKAhmed } and { MRafiq } and { NMSaad }} , journal={{European Journal of Marketing}} 37 9 , year={2003} } @incollection{b3, , title={{Finance Portals for the Banking Industry, Multi Channel Operations (Remote Banking), The Regulatory Framework}} , author={{ VAlam } and { BKhokhar }} , journal={{Journal of Banking}} 55 4 , year={2006} } @incollection{b4, , title={{}} , author={{ SAlebiosu }} , journal={{The International Journal of Banking Accounting and Finance}} 28 , year={2004} , note={The Nigeria Financial System Structure and Growth} } @book{b5, , title={{Quantitative Determinants, Non Quantitative Determinants, Quality by Design: Formulating a Suitable Standard, Quality Assurance, Managing Service Delivery, Improving Productivity and Performance}} , author={{ GAnderson } and { Sullivan }} , year={1993} , publisher={Macmillan Publishing} , address={New York} } @incollection{b6, , title={{Your Bank's Image Keeping it Consistent}} , author={{ EJAlvarez }} 10.1108/08876041011040604 , journal={{Journal of service Marketing}} 33 3 , year={2001} } @incollection{b7, , title={{Firm Resources and Sustained Competitive Advantage}} , author={{ JBBarney }} , journal={{European Journal of Marketing}} 37 9 , year={1991} } @book{b8, , author={{ DMBaridam }} , title={{Research Methodology in Administrative Science}} Port Harcourt , year={2001} , note={3rd ed. Sherbrooke Associates} } @incollection{b9, , title={{An Exposition of Consumer Behaviour in the Financial Services Industry}} , author={{ ABeckett } and { Hewer } and { BHowcroft }} , journal={{The International Journal of Bank Marketing infomation}} 18 1 , year={2000} } @book{b10, , title={{Advertising and Promotion:AnIntegrated Marketing Communication perspective}} , author={{ GBelch } and { MBelch }} , year={2009} , publisher={McGraw Hill} , address={New York} } @incollection{b11, , title={{Sustainable Competitive Advantage in Service Industries: A Conceptual Model and Research Propositions}} , author={{ SGBharadwaj } and { PVaradarajan } and { JFahy }} 10.2307/1251905 , journal={{International Journal of Marketing}} 57 , year={1993. October} } @incollection{b12, , title={{Survival Chances of Newly Funded Business Organizations}} , author={{ JBruderl } and { PPreisendorfer } and { RZiegler }} , journal={{American Sociological Review}} 57 , year={1992} } @book{b13, , author={{ RDBuzzell } and { BTGale }} , title={{The PIMS Principles: Linking Strategy to Performance}} New York , publisher={Free Press} , year={1987} } @incollection{b14, , title={{Strategic Foretelling: Communication-Based Antecedents of A Firm's Propensity to Preannounce}} , author={{ RJCalantone } and { KESchatzel }} 10.2307/1251905 , journal={{International Journal of Marketing}} 57 1 , year={2000. October} } @incollection{b15, , title={{Customer Defection: A Study of the Student Market in Ireland}} , author={{ MColgate } and { KStewart } and { RKinsella }} , journal={{The International Journal of Bank Marketing}} 14 3 , year={1996} } @incollection{b16, , title={{Service Design and Delivery Strategies in Banks:Products and Service Offered by Banks, Response of Service Intangibility}} , author={{ Chaudhuri DHalbrook } and { N }} , journal={{The International Journal of Banking an dfinance}} 6 17 , year={2002} } @book{b17, , title={{Strategic Marketing}} , author={{ DWCravens }} , year={2000} , publisher={Irwin/McGraw Hill} , address={Boston} } @incollection{b18, , title={{The Myth of Cross-Selling}} , author={{ ADaniell }} , journal={{American Banker}} 165 7 , year={2000. March} } @incollection{b19, , title={{The Relationship Between Subjective and Objective Company Performance Measures in Market Orientation Research}} , author={{ JDawes }} , booktitle={{Further Empirical Evidence. Marketing Bulleting}} , year={1999} 10 } @book{b20, , title={{Importance of Six Sigma to Banks, Six Sigma in Banks, Steps for Improving}} , author={{ HDarrell }} , year={2003} } @incollection{b21, , title={{The Backbone of Banks' Service Regeneration}} , author={{ SAragba-Akpore }} , booktitle={{Money watch}} , year={1998. July 22} } @incollection{b22, , title={{Environmental Marketing Strategy and Firm Performance: Effects on New Product Performance and Market Share}} , author={{ WEBaker } and { JMSinkula }} 10.1007/s11747-010-0219-0 , journal={{Journal of the Academy of Marketing Science}} 33 , year={2005} } @incollection{b23, , title={{}} , author={{ Quality Of Service }} , journal={{The International Journal of Banking Marketing}} 14 2 } @book{b24, , author={{ TDeal } and { AKennedy }} , title={{The New Corporate Cultures: Revitalizing the Workplace after Downsizing, Mergers and Reengineering}} London , publisher={Texer} , year={2000} } @book{b25, , title={{Developing a Market Orientation}} , author={{ RDesphande }} , year={1999} , publisher={Sage Publications} , address={Thousand Oaks, CA} } @incollection{b26, , title={{Holism and Hermeneutics}} , author={{ HLDrefus }} , journal={{The Review of Metaphysics}} 31 , year={1984} } @incollection{b27, , title={{}} , journal={{EFCC Report, Punch Monday 31st}} , year={2009} } @incollection{b28, , title={{A Publication on Data Mining Benefits in Nigerian Banking Sector}} , author={{ AEbenezer }} , journal={{The International Journal of Bank Marketing}} 4 24 , year={2010} } @book{b29, , title={{Basic Principles in Managing Research Projects}} , author={{ ACEzejelue } and { EOOgwo } and { ADNkamnebe }} , year={2008} , address={Aba-Nigeria} , note={2nd ed. Afritower Limited} } @incollection{b30, , title={{Bank Failures in Nigeria: Nature and Causes}} , author={{ PN OEjiofor }} , journal={{The Journal of Management Studies}} 9 1 , year={1977} } @book{b31, , title={{research has provided new directions on what could be}} } @incollection{b32, , title={{The Impact of service Quality and Service Characteristics on Customer Retention": Small Business and their Banks in the UK}} , author={{ CTEnnew } and { MRBinks }} , journal={{British Journal of Management}} 7 , year={1996} } @incollection{b33, , title={{Winning the Battle for Customers}} , author={{ AFisher }} , journal={{Journal of Financial Services Marketing}} 6 1 , year={2001. September} } @incollection{b34, , title={{A National Customer Satisfaction Barometer": The Swedish Experience}} , author={{ CFornell }} 10.2307/12511905 , journal={{Journal of Marketing}} , year={1992} } @incollection{b35, , title={{Risk Management Strategies: Operational. Risk Management Strategies at Banks, Financial Risk}} , author={{ DFox } and { ZPoje }} , journal={{International Journal of Banking}} 46 , year={2002. January} } @incollection{b36, , title={{The Four Things a Service Business Must Get Right}} , author={{ FXFrei }} , journal={{Harvard Business Review. WWW. Hbr. Org}} , year={2008} } @book{b37, , title={{Sociological Paradigms and Organizational Analysis}} , author={{ GibsonBurrell } and { GarethMorgan }} , year={1979} 37 , address={AshgatePublishing Company Burlington, USA} } @book{b38, , title={{The marketing Strategy Continuum}} , author={{ CGronroos }} 10.1108/00251749110139106 , year={1991} , note={Management Decision} } @incollection{b39, , title={{The Resource-Advantage Theory of Competition: Dynamics, Path Dependencies, and Evolutionary Dimensions}} , author={{ SDHunt }} 10.2307/12511905 , journal={{Journal of Marketing}} 60 , year={1996} } @incollection{b40, , author={{ Ibadan }} , booktitle={{NISER of the Nigeria Economy}} } @book{b41, , title={{Consolidation in the Nigeria Banking Industry; A strategy for Survival and Development" A paper presented during the visit of the Nigerian Economy Student Association}} , author={{ OImala }} , year={2005} NESA) University of Abuja Chapter } @incollection{b42, , title={{Enhancing the Performance of Banking Operations Through Appropriate Information Technology}} , author={{ GIrechukwu }} , booktitle={{Information Technology in Nigeria Banking Industry Spectrum Books, and Ibadan}} , year={2000} } @incollection{b43, , title={{Quantum Holistic Theory of Sociological 50}} , author={{ SJames }} , journal={{Bank and Product Selection}} , editor={Kaynak, E.} , year={1984. 1992} } @book{b44, , title={{Marketing Management" -The millennium edition}} , author={{ KotlerPKeller }} , year={2002} , publisher={Prentice-Hall of India -Private Limited} } @book{b45, , title={{Marketing Management}} , author={{ PKotler }} , year={2003} , publisher={Prentice Hall} , address={New Jersey} } @book{b46, , title={{Business Information System": A Problem Solving Approach}} , author={{ DPLaudon }} , year={1991} , address={New York, HBJ, College Publishers} } @incollection{b47, , title={{Interactive Marketing Online Advertising in Nigeria Bank}} , author={{ BLancaster } and { GReymond }} , journal={{International Journal of Bank Marketing}} 7 5 , year={2004} } @book{b48, , title={{Making your Holistic Therapies Business}} , author={{ ELaurence }} , year={2009} , publisher={Prentice-Hall} , address={London} } @book{b49, , title={{How to win Customers and keep them for life}} , author={{ MLeboeuf }} , year={2000} , publisher={Pastoral Care Publishing} , address={Lagos, Nigeria} } @book{b50, , title={{Regulatory Oversight and Stakeholder Protection' A paper presented at the BGL Mergers and Acquisitions Interactive Seminar, held at Eko Hotels and Suits V}} , author={{ TLemo }} , year={2005} } @book{b51, , title={{Introduction to Electronic Banking": Role of Technology, Significance of Computerization in Banks}} , author={{ FeickLee }} , year={2001} } @incollection{b52, , title={{The Relationship between Service Quality and Customer satisfaction}} , author={{ MLucas }} , journal={{International Journal of Marketing}} 6 9 , year={2005} } @book{b53, , title={{}} 10.2307/1251854 } @book{b54, , title={{Multivariate Analysis}} , author={{ KVMardia } and { JTKent } and { JMBibby }} , year={1979} , publisher={Academic Press} , address={London, United Kingdom} } @incollection{b55, , title={{A Customer Retention Strategy}} , author={{ MMarple }} , journal={{Mortgage Banking}} 59 11 , year={1999. August} } @book{b56, , title={{Account of Holism and Evolution for the Nation Brand}} , author={{ PMihailovich }} , year={2008} , publisher={Graduate School of Business Press Paris France} } @book{b57, , title={{Holism from World of wholeness}} , publisher={University of Oregon Press} } @incollection{b58, , title={{Market Orientation: Antecedents and consequences}} , author={{ BJJaworski } and { AKKohli }} 10.2307/1251852 , journal={{Journal of Marketing}} 57 , year={1993} } @incollection{b59, , title={{Contact Management and Customer Loyalty}} , author={{ HJones } and { JDFarquhar }} , journal={{Journal of banking and Financial insurance Services Marketing}} 8 1 , year={2003. August} } @book{b60, , title={{Societal Marketing}} , author={{ SEKalu }} , year={1996} , address={Harcourt, Nigeria} , note={2nd ed. Published in Port} } @incollection{b61, , title={{Marketing in Perspective}} , author={{ SEKalu }} , journal={{Port Harcourt}} , year={1995} , publisher={Nigerian; Paragraphics} } @book{b62, , title={{Foundation of Business Psychology}} , author={{ SEKalu }} , year={1996} , publisher={University of Port Harcourt Press Ltd} , address={Port Harcourt, Nigeria} } @incollection{b63, , title={{Inter active Technologies and Relationship Marketing Strategies}} , author={{ YMoon }} , booktitle={{63. Resources and Relationships New Drivers of Marketing Thought41}} , year={200} } @book{b64, , author={{ RMMorgan }} , title={{Relationship Marketing and Marketing Strategy}} , year={2000} } @incollection{b65, , title={{The Effect of a Market Orientation on Business Profitability}} , author={{ JNarver } and { SSlater }} 10.2307/1251757 , journal={{Journal of Marketing}} 54 4 , year={1990} } @book{b66, , title={{Monetary Development and Management in Nigeria}} , author={{ ECNdekwu }} , year={1994} , address={Bankers' Magazine} } @book{b67, , title={{Beyond Bank Consolidation the Impact of Society}} , author={{ OJNnanna }} , year={2004} 4 , note={A paper presented at the} } @book{b68, , title={{Annual Monetary Policy Conference of the Central Bank of Nigeria Abuja}} , year={19th November} 18 } @book{b69, , title={{Traditional Banking in Developing Countries. Bankers' Magazine, 69}} , author={{ GONwankwo }} , year={1973. 1975} , address={Bankers' Magazine} , note={Bank Lending in a Developing Economy: The Nigerian Experience} } @book{b70, , title={{Modern Marketing for Nigeria}} , author={{ NGNwokoye }} , year={1981} , publisher={Macmillan Publishers} } @book{b71, , title={{Perspectives in Nigeria Marketing}} , author={{ EOOgwo }} , year={1991} , publisher={Marhta Israel Publishers} , address={Aba-Nigeria} } @book{b72, , title={{Financial Sector Maladaptation in Nigeria's Economic Transformation Problems (Inaugural Lecture}} , author={{ JA TOjo }} , year={1992} , publisher={Lagos Press} } @book{b73, , author={{ COkeke }} , title={{Modern Sales Management}} Lagos , publisher={Everlead Printing and Publishing Co. Ltd} , year={1994} , note={2nd Ed} } @incollection{b74, , title={{Nigeria's Financial System}} , author={{ PN COkigbo }} , journal={{Structure and Growth}} , year={2000} , publisher={Longman} } @incollection{b75, , title={{Monetary and Banking Problems in Nigeria}} , author={{ JOOlakanpo }} , booktitle={{The Bankers' Magazine}} , year={1996} } @incollection{b76, , title={{The Bank Customer and Banking Law in Nigeria}} , author={{ EOOloyede }} , journal={{Journal of African Law}} , year={1975} } @book{b77, , title={{Marketing in Nigeria: Experience in a Developing Economy}} , author={{ JOOnah }} , year={1979} , publisher={Cassel Ltd} , address={London} } @book{b78, , title={{The Central Bank of Nigeria and the Problem of Domestic Monetary Stability}} , author={{ HM AOnitiri N.S.E.R. Conference Proceedings }} , year={1958} } @book{b79, , title={{Marketing of Bank Services: Problems and Prospects" The Nigeria Bankers' Magazine}} , author={{ GUOnwuchuruba }} , year={2003} } @book{b80, , title={{Contending with the Growing Culture of Fraud: A Challenging Role for the Auditor}} , author={{ ENOputu-Brume }} , year={1992} , note={First Bank Review} } @incollection{b81, , title={{The Impact of E-Banking on Customers' Satisfaction}} , author={{ FOlayinka }} , journal={{Journal of Banking Service}} 13 , year={2008} } @incollection{b82, , title={{Repositioning Nigerian Banks Turbulent Entry Barriers'}} , author={{ AOlalekan }} , journal={{Journal of Banking Services}} 23 3 , year={2010} } @incollection{b83, , title={{Assessing the Relationship Between Service Quality and Customer Satisfaction'; Evidence from Nigerian Banking Industry}} , author={{ OOlaleke }} , journal={{Journal of Banking Services Marketing}} 5 51 , year={2008} } @book{b84, , title={{The Impact of Internal Control in the Banking Sector in Nigeria with Wema Bank of Nigeria Plc as a Case Study}} , author={{ COOlatunji }} , year={2009} , address={University of Lagos, Nigeria} , note={Research Work} } @book{b85, , title={{Customer Relationship Management, Technical Quality and Functional 9000 Certification in Banking Services}} , author={{ 'Oliver }} , year={1999} , note={Service Quality Metrics: Core Factors} } @incollection{b86, , title={{The Factors that Influences Consumer's Adoption of Internet Banking in Nigeria'}} , author={{ LOsuagwu }} , journal={{Journal of Banking Services}} , year={2001} } @book{b87, , title={{The Organization Cultural Perspective}} , author={{ JSOtt }} , year={1989} , publisher={Dorsey Press 7} } @book{b88, , title={{New Technologies and Performance Enhancement', paper presented at the 13th Annual Bank Directors' Seminar held at Abuja}} , author={{ JOvia }} , year={1997} } @book{b89, , title={{Holistic thought in Social Science}} , author={{ DCPhillips }} , year={1976} , publisher={Stanford University Press} , address={Stanford} } @incollection{b90, , title={{Learning from Customer Defections}} , author={{ FFReichheld }} , journal={{Harvard Business Review}} , year={1996. March/April} } @book{b91, , title={{Marketing Holistic -Everything Matters}} , author={{ BReiner }} , year={2008} , publisher={Vikhand Blog at Word Press Com} } @book{b92, , title={{The Nigerian Banking Industry: What Went Wrong and the Way Forward}} , author={{ LSSanusi }} , year={2010} Lecture delivered at Bayiro University Kano } @book{b93, , title={{The Theory of Economic Development}} , author={{ JASchumpeter }} , year={1934} , publisher={Harvard University Press} } @book{b94, , title={{}} , author={{ MACambridge }} } @incollection{b95, , title={{Developing a Customer Value-Based Theory of the Firm'}} , author={{ SFSlater }} 10.1007/Bf02894352 , journal={{Journal of the Academy of Marketing Science}} 25 , year={1997} } @book{b96, , title={{Holism and Evolution Macmillan}} , author={{ JCSmuts }} , year={1926. 1961} , publisher={Compass/Viking Press} , note={reprint} } @book{b97, , title={{Compressing the Unwieldy Banking System in Nigeria: The Probabilities of Solution Hypothesis I' 1st International Conference on Structural Reforms and Management of Financial Institution in Nigeria, Department of Banking and Finance}} , author={{ RO CSomoye }} , year={2006} , address={Nigeria} Olabisi Olubanjo University } @book{b98, , title={{Determining What Satisfies the Customer, Customers' Perception of Banking Service Quality, Devising}} , author={{ FSrinivasan }} , year={2007} , publisher={Prentice-Hall} , address={New Jersey} } @book{b99, , title={{Improving Quality and Productivity': Banking Services: Technical Quality and Functional Quality}} , author={{ WStephanie }} , year={2007} , address={Rand Mcnally Press Chicago, USA} } @incollection{b100, , title={{Determining the Driver for Householder Proenvironmental Behaviour': Waste Minimization Compared to Recycling. Resources, Conservation and Recycling}} , author={{ KStorbacka } and { RStrandvik } and { CGronroos } and { MTonglet } and { PSPhillips } and { MPBates }} , journal={{International Journal of Service Industry Management}} 5 5 42 , year={1994. 2014 100. 2004} , note={Managing Customer Relationship for Profit': The Dynamics of Relationship Quality} } @book{b101, , title={{Organizational Impact of Information Technology on Banking and Insurance Sector in Nigeria "TECHNOVATION}} , author={{ LOUgwu } and { TOOyebisi } and { MOIlori } and { ER }} , year={1999} 20 12 } @book{b102, , title={{1898:5)}} , author={{ EGWhite }} , publisher={Adventist Press} , address={Washington DC, USA} , note={3rd Ed} } @incollection{b103, , title={{}} , author={{ WolframS }} , journal={{Science of Complexity on Contemporary System Thinking}} , year={1984} } @book{b104, , title={{Introduction to Banking Operations: The Changing Nature of Banking Operations, Importance of Customer Relationship Management in Banks, Role of Technology in Banking Operations}} , author={{ JYi } and { Jeon }} , year={2003} } @book{b105, , title={{Services Marketing: Integrating Customer-focus Across the Firm}} , author={{ VZeithami } and { MJBitner } and { DGremier }} , year={2009} , publisher={McGraw Hill} , address={New York} }