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Unit 7: Service Segmentation and Targeting
more control and improved security, mobile banking also delivers an alternative Notes
mechanism for the Power User to pay. Transactions not usually available can now be
performed. Some of the transactions that the Power User requires and now becomes
available are person to person payments, proximity payments, enhanced security for
card-not-present transactions to name a few. All of these features are available in some
format or another.
It is clear that different market segments would require vastly different mobile banking
offerings.
Source: www.mbanking.blogspot.com
Self Assessment
State whether the following statements are true or false:
1. The consumers in a segment have similar preferences and lifestyles.
2. Market should be segmented in a way that each segment is accessible and measurable.
3. More intense the competition, more attractive will be the segment.
7.2 Bases for Segmenting the Service Consumer
A service marketer can segment the market on the basis of demographics, geography,
psychographics and behaviour.
7.2.1 Demographic Segmentation
Demographic segmentation can be done on the basis of age, gender, family, income and education.
Age
It is generally believed that people belonging to the same age group act or behave in similar
manner and they have specific needs and desires. Service marketers believe that as a person
grows up in age, his needs and wants also change. Along with this, their ability and capacity to
process information also changes.
Notes Illustration of Age Segmentation
Infants marketfrom newly born - up to 1 year: Nursing, full-time nursemaid,
Child market1 year to 12 years: babysitting, crèche, play-schools, day-care centres, tuitions,
Sesame Street, schools, Kids Kemp
Adolescents market13 years to 16 years: counselling, dental care,
Teens market13 years to 19 years: MTV, discotheques, sports, tuition, and entertainment
Youth market20 years to 35 years: MTV, nightclubs, sports clubs, package tours, Barista,
pubs
Middle-aged market36 years to 50 years: Health and holiday spa, clinics, hospitals, resorts,
leisure, marriage counselling,
Elders/seniors market51 years +: Healthcare, pension funds, housing, recreation,
physiotherapy.
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