Abimbola, T., Trueman, M., Iglesias, O., Muhamad, R., Melewar, T. C., & Alwi, S. F. S. (2012). Segmentation and brand positioning for Islamic financial services. European Journal of Marketing, 46(7/8), 900-921. https://doi.org/10.1108/03090561211230061
Aghaei, M., Vahedi, E., Kahreh, M. S., & Pirooz, M. (2014). An examination of the relationship between services marketing mix and brand equity dimensions. Procedia-Social and Behavioral Sciences, 109, 865-869. https://doi.org/10.1016/j.sbspro.2013.12.555
Ahmad, R. (2003). Benefit segmentation. International Journal of Market Research, 45(3), 1-13. https://doi.org/10.1177/147078530304500302
Alfansi, L., & Sargeant, A. (2000). Market segmentation in the Indonesian Banking sector: The relationship between demographics and desired customer benefits. International Journal of Bank Marketing, 18(2), 64-74. https://doi.org/10.1108/02652320010322976
Almossawi, M. (2001). Bank selection criteria employed by college students in Bahrain: An empirical analysis. International Journal of Bank Marketing, 19(3), 115-125. https://doi.org/10.1108/02652320110388540
Andronikidis, A. I., & Dimitriadis, N. I. (2003). Segmentation of bank customers by utilising ethnic/cultural profile dimensions: A qualitative approach. Journal of Marketing Management, 19(5-6), 629-655. https://doi.org/10.1080/0267257X.2003.9728229
Asiedu, E. (2016). A study of use and impact of market segmentation practices on bank performance: with special reference to commercial banks in Colombia. Journal of Business and Financial Affairs, 5(162), 2167-0234. https://doi.org/10.4172/2167-0234.1000162
Baradaran, V., & Farrokhi, Z. (2014). Customer segmentation in the banking industry by extended model of RFMC. IranianJournal of Brand Management, 1(2),135-154. https://doi.org/10.22051/BMR.2015.1226
Bassi, F. (2015). Forecasting financial products acquisition via dynamic segmentation: An application to the Italian market. International Journal of Market Research, 57(6), 909-930. https://doi.org/10.2501/IJMR-2015-071
Bennett, D., & Higgins, M. (1988). Quality means more than smiles. ABA Banking journal, 80(6), 46-57.
Blankson, C., Omar, O. E., & Cheng, J. M. S. (2009). Retail bank selection in developed and developing countries: A cross-national study of students’ bank-selection criteria. Thunderbird International Business Review, 51(2), 183-198. https://doi.org/10.1002/tie.20257
Bowen, J. W., & Hedges, R. B. (1993). Increasing service quality in retail banking. Journal of Retail Banking, 15(3), 21-29.
Cameron, F., Cornish, C. & Nelson, W. (2006). FSS2: A new methodology for segmenting consumers for financial services. Journal of Financial Services Marketing, 10(3), 260-271. https://doi.org/10.1057/palgrave.fsm.4770191
Cermak, D. S., File, K. M., & Prince, R. A. (1994). A benefit segmentation of the major donor market. Journal of Business Research, 29(2), 121-130. https://doi.org/10.1016/0148-2963(94)90016-7
Cho, M., Bonn, M. A., & Brymer, R. A. (2017). A constraint-based approach to wine tourism market segmentation. Journal of Hospitality & Tourism Research, 41(4), 415-444. https://doi.org/10.1177/1096348014538049
De Keyser, A., Schepers, J., & Konuş, U. (2015). Multichannel customer segmentation: Does the after-sales channel matter? A replication and extension. International Journal of Research in Marketing, 32(4), 453-456. https://doi.org/10.1016/j.ijresmar.2015.09.005
Dolnicar, S., Grün, B., & Leisch, F. (2018). Market segmentation analysis: Understanding it, doing it, and making it useful (p. 324). Springer Nature.
Dolnicar, S. & Leisch, F. (2004). Segmenting markets by bagged clustering. Australasian Marketing Journal (AMJ), 12(1), 51-65. https://doi.org/10.1016/S1441-3582(04)70088-9
El Saghier, N., & Nathan, D. (2013, April). Service quality dimensions and customers’ satisfactions of banks in Egypt. In … (Eds.), Proceedings of 20th international business research conference (pp. 1-13), Dubai, UAE.
Esfidani, M. R., Mahmoudi, S. M., Keimasi, M., Mohammadi, H., & Parsafard, M. R. (2014). Retail banking market segmentation based on the expected benefits of Bank Mellat customers. Iranian Journal of Business Management, 6(2), 227-250. https://doi.org/10.22059/JIBM.2014.51378
Foscht, T., Maloles, C., Schloffer, J., Chia, S. L., & Sinha. I. J. (2010). Banking on the youth: The case for finer segmentation of the youth market. Young Consumers: Insight and Ideas for Responsible Marketers, 11(4), 264 – 276. https://doi.org/10.1108/17473611011093907
Fullerton, G. (2019). Using latent commitment profile analysis to segment bank customers. International Journal of Bank Marketing, 38(3), 627-641. https://doi.org/10.1108/IJBM-04-2019-0135
Garland, R. (2005). Segmenting retail banking customers. Journal of Financial Services Marketing, 10(2), 179-191. https://doi.org/10.1057/palgrave.fsm.4770184
Gonzlez-Benito, S. & Gonzlez-Benito, J. (2005). The role of geodemographic segmentation in retail location strategy. International Journal of Market Research, 47(3), 295-316. https://doi.org/10.1177/147078530504700305
Guillet, B. D., & Kucukusta, D. (2016). Spa market segmentation according to customer preference. International Journal of Contemporary Hospitality Management, 28(2), 418-434. https://doi.org/10.1108/IJCHM-07-2014-0374
Gupta, A., & Dev, S. (2012). Client satisfaction in Indian banks: An empirical study. Management Research Review, 35(7), 617-636. https://doi.org/10.1108/01409171211238839
Haley, R. I. (1968). Benefit segmentation: A decision-oriented research tool. Journal of Marketing, 32(3), 30-35. https://doi.org/10.1177/002224296803200306
Haley, R. I. (1995). Benefit segmentation: A decision-oriented research tool. Marketing Management, 4(1), 59-73.
Harrison, T. S. (1994). Mapping customer segments for personal financial services. International Journal of Bank Marketing, 12(8), 17-25. https://doi.org/10.1108/02652329410069010
Hasan, M., & Khan, S. S. (2015). Marketing performance-based brand valuation: An application of marketing profitability and capitalization factor. Du Journal of Marketing, 18, 41-56.
Hedayatnia, A., & Eshghi, K. (2011). Bank selection criteria in the Iranian retail bank industry. International Journal of Business and Management, 6(12), 222-231. https://doi.org/10.5539/ijbm.v6n12p222
Hicks-Moore, S. L. (2005). Clinical concept maps in nursing education: An effective way to link theory and practice. Nurse Education in Practice, 5(6), 348-352. https://doi.org/10.1016/j.nepr.2005.05.003
Hosseini, M., & Ghaderi, S. (2010). The model of affective factors on Bank Service quality. Iranian Journal of Business Management Perspective, 36(3), 89-115.
Hunt, S. D. (2002). Foundations of marketing theory: Toward a general theory of marketing. ME Sharpe.
Hunt, S. D., & Arnett, D. B. (2004). Market segmentation strategy, competitive advantage and public policy: Grounding segmentation strategy in resource-advantage theory. Australasian Marketing Journal (AMJ), 12(1), 7-25. https://doi.org/10.1016/S1441-3582(04)70083-X
Kaynak, E., & Harcar, T. D. (2005). American consumers' attitudes towards commercial banks: A comparison of local and national bank customers by use of geodemographic segmentation. The International Journal of Bank Marketing, 23(1), 73-89. https://doi.org/10.1108/02652320510577375
Khajvand, M., & Tarokh, M. J. (2011). Estimating customer future value of different customer segments based on adapted RFM model in retail banking context. Procedia Computer Science, 3, 1327-1332. https://doi.org/10.1016/j.procs.2011.01.011
Kotler, P., & Armstrong, G. (2010). Principles of marketing. Pearson Education.
Lees, G., Winchester, M., & De Silva, S. (2016). Demographic product segmentation in financial services products in Australia and New Zealand. Journal of Financial Services Marketing, 21(3), 240-250. https://doi.org/10.1057/s41264-016-0004-3
Liu, J., Liao, X., Huang, W., & Liao, X. (2019). Market segmentation: A multiple criteria approach combining preference analysis and segmentation decision. Omega, 83, 1-13. https://doi.org/10.1016/j.omega.2018.01.008
Liu, Y., Ram, S., Lusch, R. F., & Brusco, M. (2010). Multicriterion market segmentation: A new model, implementation and evaluation. Marketing Science, 29(5), 880-894. https://doi.org/10.1287/mksc.1100.0565
Machauer, A., & Morgner, S. (2001). Segmentation of bank customers by expected benefits and attitudes. International Journal of Bank Marketing, 19(1), 6-17. https://doi.org/10.1108/02652320110366472
Mahr, D., Stead, S., & Odekerken-Schröder, G. (2019). Making sense of customer service experiences: A text mining review. Journal of Services Marketing, 33(1), 88-103. https://doi.org/10.1108/JSM-10-2018-0295
Marimuthu, M., Jing, C. W., Gie, L. P., & Mun, L. P. (2010). Islamic banking: Selection criteria and implications. Global Journal of Human Social Science, 10(4), 52-62.
Marshall, G., & Johnston, M. (2010). Marketing management. McGraw-Hill Higher Education.
McDougall, G. H. G., & Levesque, T. J. (1994). Benefit segmentation using service quality dimensions: An investigation in retail banking. International Journal of Bank Marketing, 12, 15-23. https://doi.org/10.1108/02652329410052946
McQueen, J. M. (1998). Segmentation of continuous speech using phonotactics. Journal of Memory and Language, 39(1), 21-46. https://doi.org/10.1006/jmla.1998.2568
Minhas, R. S., & Jacobs, E. M. (1996). Benefit segmentation by factor analysis: An improved method of targeting customers for financial services. International Journal of Bank Marketing, 14(3), 3-13. https://doi.org/10.1108/02652329610113126
Mir Mohammadi, S. M., NejhandFard, M. S., & Izadkhah, M. M. (2016). Segmentation of chain stores based on expected customer benefits (case study: Adan chain store). Iranian Journal of Strategic Management Research, 22(61), 9-28.
Mokhlis, S., Salleh, H. S., & Mat, N. H. N. (2009). Commercial bank selection: Comparison between single and multiple bank users in Malaysia. International Journal of Economics and Finance, 1(2), 263-273. https://doi.org/10.5539/ijef.v1n2p263
Mortazavi, S., Kaffashpour, A., Habibirad, A., & Aseman Darreh, y. (2009). Mashhad bank market segmentation based on expected customer benefits. Iranian Journal of Financial Economics Research, 16(29), 126-162. https://doi.org/10.22067/pm.v16i29.27198
Osei-Poku, M. (2012). Assessing service quality in commercial banks: A case study of Merchant Bank Ghana Limited [Unpulished doctoral dissertation]. Kwame Nkrumah University of Science and Technology.
Piercy, N., Campbell, C., & Heinrich, D. (2011). Suboptimal segmentation: Assessing the use of demographics in financial services advertising. Journal of Financial Services Marketing, 16(3-4), 173-182. https://doi.org/10.1057/fsm.2011.21
Rashid, M. (2012). Bank selection criteria in developing country: Evidence from Bangladesh. Asian Journal of Scientific Research, 5(2), 58-69. https://doi.org/10.3923/ajsr.2012
Sayani, H., & Miniaoui, H. (2013). Determinants of bank selection in the United Arab Emirates. International Journal of Bank Marketing, 31(3), 206-228. https://doi.org/10.1108/02652321311315302
Seyyedhashemi, M., & Mamduhi, A. R. (2010). A cluster analysis of marketing strategies implementation barriers in the car manufacturing industry (Case study: Iran Khodro company). Iranian Journal of Business Management, 2(6), 165-186.
Shashidhar, H. V., & Varadarajan, S. (2011). Customer segmentation of bank based on data mining–security value based heuristic approach as a replacement to K-means segmentation. International Journal of Computer Applications, 19(8), 13-18. https://doi.org/10.5120/2383-3145
Souza, L. L. F., Bassi, F., & de Freitas, A. A. F. (2019). Multilevel latent class modeling to segment the microfinance market. International Journal of Bank Marketing, 37(5), 1103-1118. https://doi.org/10.1108/IJBM-05-2018-0132
Wind, Y. (1978). Issues and advances in segmentation research. Journal of Marketing Research, 15(3), 317-337. https://doi.org/10.1177/002224377801500302
Zakrzewska, D., & Murlewski, J. (2005, September). Clustering algorithms for bank customer segmentation. In 5th International Conference on Intelligent Systems Design and Applications (ISDA'05) (pp. 197-202). IEEE. https://doi.org/10.1109/ISDA.2005.33