Dissertations / Theses: 'Financial satisfaction'

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Hysmith, Ryan Thomas. "Impact of Student-managed Investment Fund Participation on Financial Knowledge, Financial Satisfaction and Financial Behavior." Thesis, Northcentral University, 2017. http://pqdtopen.proquest.com/#viewpdf?dispub=10287703.

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The purpose of this quantitative, nonexperimental study was to examine the effect of student-managed investment fund participation on financial knowledge, financial satisfaction, and the occurrence of best practice financial behaviors. Student-managed investment funds are experiential learning opportunities where student-led investing occurs in an academic setting. Households in the United States headed by millennials age 25-34 are exhibiting declines in retirement plan participation, financial knowledge, best practice financial behaviors and household net worth. The specific business problem addressed is the lack of financial knowledge necessary to make best practice financial behavior decisions at an early age. Participants for the study consisted of three groups of alumni who graduated between 2007 and 2016 from a selected Tennessee university: finance majors within the College of Business, College of Business students who participated in a student-managed investment fund, and all other College of Business students. An online survey was distributed to 301 College of Business graduates and 131 complete responses were received (N=131). The two methods used for statistical analysis for this study were one-away ANOVA and an analysis of two independent group means. The findings provided statistical support for the impact of student-managed investment fund participation on financial knowledge, but did not provide statistical support for the relationship between student-managed investment fund participation and financial behaviors or financial satisfaction. As such, educators and policymakers should utilize experiential learning opportunities in financial education initiatives to increase financial knowledge. Recommendations for future research include a longitudinal study of student-managed investment fund participant financial knowledge, satisfaction, and behaviors.

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Sundin, Klas, and Fredrik Nordin. "Customer satisfaction in the Swedish financial sector." Thesis, Umeå universitet, Företagsekonomi, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-82001.

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Customer satisfaction has become an increasingly important factor over the years and companies are starting to realize how important it is to satisfy their customers. This study aims to investigate which the most influential factors behind customer satisfaction are. This led to the creation of the following research question: Which are the most influential factors that affect customer satisfaction in Swedish banks? The research question was answered by the statistical testing of nine hypothesizes. The statistical analysis was done using multiple regression analysis as well as an independent t- test. The data for the analysis was collected through the distribution of 175 surveys, which were handed out to students at Umeå University in Sweden. The result of the data analysis showed that 59.7 % of the variance in customer satisfaction was explained by four variables. These variables were: appearance, competence, trust and word of mouth. These four variables were found to significantly affect customer satisfaction. The study also showed that there were no differences between genders regarding customer satisfaction. This study contributes to the area of research by identifying the variables that are the most influential on customer satisfaction in Swedish banking. The methodology and the results of this study could also be of help to other researchers who wants replicate the study in order to identify the factors behind customer satisfaction in their own respective countries.

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Dale, Anita Kaye. "The association of culture with financial satisfaction." Diss., Kansas State University, 2014. http://hdl.handle.net/2097/18805.

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Doctor of Philosophy
Department of Family Studies and Human Services
Kristy Archuleta
This dissertation explores the association of culture with financial satisfaction. Social identity theory, a successor of symbolic interaction framework (Mead, 1930) serves as the theoretical framework for this study, conceptualizing the impact of culture on identity formation through the values, norms, and beliefs of cultures adopted by individuals. Social identity theory also provides an understanding of the power and influence of reference groups supplied by culture through the context provided for the internal determination of satisfaction. The cultures examined (e.g., geography, socioeconomic status, religiosity), each had associations with life domains which influence satisfaction according to well-being research. The associations of cultures with financial satisfaction is a largely unexplored area of research, perhaps due to the difficulty in defining and measuring culture, as well as the challenges associated with influencing financial satisfaction. Data for this study was obtained from the 2012 General Social Survey, conducted by the National Opinion Research Center. This study found the geographic characteristics of home ownership and living in a single family home were associated with financial satisfaction and individuals living in the same state as they did when age 16 had more points of association with financial satisfaction than those not living in the same state. Further, of the SES measures in the study, income was found to be consistently associated with financial satisfaction. Religiosity, including religiosity by religious text (e.g., Bible, Torah, Quran) and prayer were not found to be associated with financial satisfaction. However, frequency of attendance at religious services had a statistically significant association with financial satisfaction and was found to be a moderator of the financial satisfaction of those living in the Eastern and Western U.S. Regions. Understanding the association of culture with financial satisfaction may provide planners with insights into factors which contribute to a client’s values, beliefs and attitudes about their finances. An awareness of the power of cultural values, beliefs and values to influence satisfaction may make a positive contribution to the quality of conversation between planners and clients as they work toward establishing authentic goals and objectives for the client and develop plans to achieve those goals.

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Dean, Lukas R. "Materialism, Perceived Financial Problems, and Marital Satisfaction." BYU ScholarsArchive, 2005. https://scholarsarchive.byu.edu/etd/464.

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While there has been a relatively large number of studies conducted to investigate associations between financial problems and marital outcomes, little research has been done to examine possible relationships between materialistic attitudes, perceived financial problems, and marital outcomes. This study has been designed to examine a conceptual model linking materialism, perceived financial problems, and relationship satisfaction among married couples. Data obtained from 600 married heterosexual couples who took the RELATE test fit the model well. Findings indicate that wives' materialism is negatively related to husbands' marital satisfaction. Husbands' and wives' materialism is positively related with increased perception of financial problems which is in turn negatively associated with marital satisfaction. As expected, income was positively related to marital satisfaction, however, income had no relation to perception of financial problems. Materialism had a stronger impact on perception of financial problems than income. Distinct gender findings indicate that although husbands' variables had no significant relation with wives' outcomes, wives' variables were significantly related to husbands' outcomes. Specifically, wives' materialism is positively related with husbands' increased perception of financial problems, and wives' perceived financial problems is negatively associated with husbands' marital satisfaction. These findings support the notion that materialism is indirectly related to marital satisfaction, and in some ways directly related to marital satisfaction.

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Tharp, Derek T. "Three essays on personality characteristics and financial satisfaction." Diss., Kansas State University, 2017. http://hdl.handle.net/2097/38235.

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Doctor of Philosophy
Department of Human Ecology-Personal Financial Planning
Martin Seay
Little is known about the relationships between personality characteristics and financial satisfaction. This dissertation examines three questions. First, what are the relationships between personality characteristics and financial satisfaction at the American state level? Second, what are the relationships between personality characteristics and financial satisfaction at the individual level? Third, what are the relationships between personality characteristics and financial satisfaction among financially strained households? Essay one utilizes data aggregated at the state level from two nationally representative datasets in order to examine the relationships between Big Five personality traits (openness to experience, conscientiousness, extraversion, agreeableness, and neuroticism) and financial satisfaction at the American state level. Results from bivariate analyses and a two-block hierarchical regression model indicate that conscientiousness is negatively associated with financial satisfaction and extraversion is positively associated with financial satisfaction at the American state level. Essay two utilizes data from the 2012 wave of the Health and Retirement Study (HRS) to examine relationships between personality characteristics (Big Five personality traits and positive/negative affect) and financial satisfaction at the individual level. Results from a three-block ordinal logistic regression model indicate that personality characteristics are important predictors of financial satisfaction. Extraversion is positively associated with financial satisfaction while neuroticism and agreeableness are negatively associated with financial satisfaction when Big Five personality traits were the only personality characteristics incorporated into the model. However, when positive affect and negative affect were added to the model, only agreeableness remained negatively associated with financial satisfaction, while both positive and negative affect were positively and negatively associated with financial satisfaction, respectively. Essay three utilizes data from the 2012 wave of the HRS to examine relationships between personality characteristics (Big Five personality traits and positive/negative affect) and financial satisfaction among individuals in households exhibiting both objective and subjective indicators of financial strain. Results from a series of ordinal logistic regressions indicate that individual level associations between personality characteristics and financial satisfaction remained largely the same among households exhibiting financial strain, though evidence suggests that interventions aimed at influencing positive affect may be an effective means to enhancing well-being among financially strained populations. Overall, personality characteristics were found to be important predictors of financial satisfaction which have been largely overlooked in prior models of financial satisfaction. Going forward, a better understanding of the relationships between personality characteristics and subjective measures of economic well-being will be needed in order to determine how consumer well-being can be most effectively promoted.

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Kerkmann, Barbara C. "Financial Management and Financial Problems As They Relate to Marital Satisfaction in Early Marriage." DigitalCommons@USU, 1998. https://digitalcommons.usu.edu/etd/2601.

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The financial management habits and perceptions of young married couples were examined, as well as their financial problems and perceptions of their problems' magnitude in an attempt to assess the relationship of these financial factors to marital satisfaction. A survey was delivered to 604 residents of family student housing at Utah State University. The spouse who predominantly handled family finances was asked to complete the survey. By using an incentive for completing the survey, a response of 51.32% was obtained. It was hypothesized that both financial management practices and problems would be related to a couple's reported satisfaction with their marriage. It was further hypothesized that there would be a difference in how husbands and wives would report the relationship between financial management, financial problems, and marital satisfaction. As hypothesized, financial management behaviors as well as perceptions of how well finances were managed were found to be significantly correlated with the respondents' marital satisfaction. Likewise, financial problems and perceived magnitude of financial problems were found to be significantly related to marital satisfaction. According to a regression analysis, perceptions may be more predictive of marital satisfaction than actual financial management practices. Contrary to the hypothesis, there were no consistent, clear differences between husbands and wives in the effect of financial variables on marital satisfaction for this sample. In general, these findings support the widely accepted, but rarely studied, assumption that finances can affect a marital or committed couple relationship. These effects involve actual behaviors as well a s perceptions of behaviors.

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Dotson, Jeffrey P. "Measuring the Effects of Satisfaction: Linking Customers, Employees, and Firm Financial Performance." Columbus, Ohio : Ohio State University, 2009. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1242745594.

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Morris, Shana R. "Completion of a Personal Financial Management Course in Relation to Financial Satisfaction, Confidence and Practices." DigitalCommons@USU, 1989. https://digitalcommons.usu.edu/etd/2500.

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This study was conducted to examine the relationship between completion of a personal financial management course and financial satisfaction, confidence, and practices. The relationship between the use of recommended financial management practices and financial satisfaction and confidence was also examined. Data for this study were collected through a questionnaire mailed to a sample of Utah State University graduates who had taken a personal financial management course at the university and those who had not. The survey investigated financial satisfaction, confidence in financial management skills, and use of recommended financial management techniques. Mean financial satisfaction scores were computed by averaging responses to the multi-question six-point Likert scale. Confidence was measured by computing the mean score on a single-question six-point Likert scale. The measurement of use of recommended financial management practices was computed by summing the points assigned for use of recommended practices and the extent to which each was implemented. The recommended financial management practices scores were then divided into three groups: poor, average, and good. One-way analysis of variance and the Scheffe multiple range test were used to determine if differences existed in the mean scores on financial satisfaction, confidence , and practices between respondents who had completed a college level personal financial management course and those who had not. These tests revealed that there is no significant difference in financial satisfaction, confidence, and practices between subjects who had completed a financial management course and those who had not. There was a significant difference between the groups in the mean number of recommended financial practices used and financial satisfaction and confidence, although mean scores were only separated by one point.

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Matthews, Gregory A. "Gender, Sexuality, and Status Foundations of Inequality: Effects of Earnings, Financial Satisfaction, and Perceived Financial Status." The Ohio State University, 2013. http://rave.ohiolink.edu/etdc/view?acc_num=osu1357156865.

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Dippenaar, Hendrik. "Factors influencing customer retention in the financial planning industry." Thesis, Nelson Mandela Metropolitan University, 2013. http://hdl.handle.net/10948/d1020809.

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As financial planners operate in a competitive business environment, it is important to identify how financial planners can apply relevant industry aspects to positively influence their customer satisfaction and customer retention levels. Although models of customer satisfaction and subsequently customer retention have been well researched for consumer products and services, there has been limited research in regards to financial planning. Previous research in the financial planning industry focussed on specific elements of financial planner-client relationships, for example trust, integrity and ethics. This research study reviews existing literature on customer satisfaction and customer retention, as relevant to the financial planning industry. Thus the primary objective of this study is to investigate the extent to which the four predetermined independent variables; namely, two-way communication, ethical responsibility, clients’ financial knowledge and commission fees can possibly influence the intervening variable customer satisfaction and ultimately the dependent variable customer retention in the financial planning industry. An empirical investigation was undertaken to establish whether the independent variables; namely, two-way communication, ethical responsibility, clients’ financial knowledge and commission fees can possibly influence customer satisfaction and ultimately customer retention in the financial planning industry. A positivistic research paradigm was followed for this study. Quantitative data was gathered by distributing questionnaires to a sample of financial planning clients. The sample size consisted of 250 financial planning clients in the Nelson Mandela Metropolitan area. A response rate of 76.40 percent was achieved. The usable questionnaires were statistically analysed using the computer programmes Microsoft Excel and Statistica Version 10. The validity of the study was confirmed by utilising EFA. Cronbach’s alpha coefficients were calculated to confirm the reliability and the internal consistency of the measurement instrument of this study. Data was analysed in four phases. Descriptive statistics were calculated for this study. The validity of the measuring instrument was tested by performing EFA to consider construct validity. Thereafter the internal reliability of the data was assessed using Cronbach’s alpha coefficients. Pearson’s product moment correlation coefficients and multiple regression calculations were calculated and discussed. Through multiple regression calculations, the factors that emerged were used to analyse the relationships predicted by the five hypotheses. Finally t-tests and analysis of variance (ANOVA) tests were conducted and discussed. The empirical investigation revealed that significant relationships exist between the independent variables two-way communication, ethical responsibility, commission fees and the intervening variable customer satisfaction as well as the dependent variable customer retention. The empirical investigation revealed that if a financial planner communicates financial information accurately and understandably to clients while acting in an ethical manner, clients are likely to be satisfied with the products/services of the financial planner and be retained by the financial planner. This study established and confirmed the significant positive relationship that exists between customer satisfaction and customer retention in the financial planning industry. Recommendations have been provided based on the main empirical findings. All financial planners in South Africa, including all the regulatory bodies, will benefit from the empirical findings as well as the recommendations of this study on how to improve customer satisfaction and customer retention which will ultimately increase service delivery of financial planners in the financial planning industry.

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Koochel, Emily. "Financial transparency: a scale development study." Thesis, Kansas State University, 2017. http://hdl.handle.net/2097/36200.

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Master of Science
School of Family Studies and Human Services
Melinda S. Markham
Interpersonal aspects of a relationship (i.e., equality, trust, disclosure, etc.) as they relate to finances have important implications for marital satisfaction; however, emphasis on financial transparency, “the open and honest disclosure of one’s finances,” has yet to be researched. To increase our capacity to study the role of finances in the marital relationship, the purpose of this study was to develop the Financial Transparency Scale (FTS) to assess financial transparency between married partners. A sample of 183 married individuals in their first 5 years of their first marriage completed an online survey, consisting of the FTS and four related scales. Principal components analysis (PCA) was conducted to determine the FTS is comprised of three components: financial partnership, financial secrecy, and financial trust and disclosure of the individual partner. The first component, financial partnership (eigenvalue = 10.909), consisted of 18 items and accounted for 41.96% of the variance and had a high internal reliability of (α = .95). Component 2, financial secrecy (eigenvalue = 2.845), consisted of three items and accounted for 10.94% of variance with an internal reliability of (α = .93). Component 3, financial trust and disclosure of the individual partner (eigenvalue = 1.76), consisted of five items and accounted for 6.77% of total variance with an internal reliability (α = .83). The FTS was positively correlated with four related scales: the Kansas Marital Satisfaction Scale, the Shared Goals and Values Scale, the Frequency of Financial Management Scale, and the Communication Patterns Questionnaire – Short Form, each of which are key behaviors of financial and marital satisfaction. The FTS will benefit financial practitioners as they can use the scale to determine the level of financial transparency between married individuals, drawing attention to areas of concern such as financial secrecy between partners. For researchers, this scale provides a measurement for a sophisticated perspective on the interpersonal factors that mediate financial transparency between married individuals.

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Ju, In-Sook. "Credit Use and Financial Satisfaction Among USU Community Credit Union Members." DigitalCommons@USU, 1989. https://digitalcommons.usu.edu/etd/2501.

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This study investigated the level of financial satisfaction of the family money manager in relation to socioeconomic characteristics, attitudes towards credit, and credit practices. The population was members of the USU Community Credit Union. Data were collected with a mail survey questionnaire from a random sample of 500 subjects. After multiple follow-up attempts, the response rate was 55.2 percent. The dependent variable was financial satisfaction; the independent variables were categorized into three groups: socioeconomic characteristics, credit attitudes, and credit practices. The conceptual model of this study hypothesized that there is a relationship between the dependent and independent variables. Age, education, home value, household income, and savings were positively related to financial satisfaction. Those who felt comfortable with larger amounts of credit payment were associated with higher income levels and higher satisfaction levels. People with favorable attitudes toward borrowing money to pay for houses were more likely to be satisfied with their financial conditions. Convenience credit card users were more satisfied than installment users. Higher debt repayment-to-income ratios were associated with lower levels of financial satisfaction. Respondents' feeling about their credit obligations was the most powerful predictor of financial satisfaction; people who were concerned about their credit obligations were likely to be less satisfied with their financial situations that those who were not. Concern over credit obligations was not highly related to socioeconomic characteristics or debt repayment-to- income ratio. Accordingly, the subjective assessment of credit obligations was more important in explaining financial satisfaction than the objective measurement of family debt burden such as debt repayment-to-income ratio. Fifty-two percent of the variation in financial satisfaction was accounted for by socioeconomic characteristics, credit attitudes, and credit practices. Credit practices were more powerful predictors of financial satisfaction than socioeconomic characteristics. This result illustrates the importance of credit management as a contributing factor in financial satisfaction.

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Smith, Dr Lydia. "The Dimensions of Customer Satisfaction in the Jamaican Financial Service Industry." ScholarWorks, 2016. https://scholarworks.waldenu.edu/dissertations/2890.

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Bank leaders spend an average of $727 to acquire a new customer and $287 to retain current customers. Grounded in customer relationship management and adaptation level theories, the purpose of this correlational study was to examine the relationship between service quality and customers' intention to switch banking service. An online survey was administered to 203 Jamaican banking customers. The target population was selected to identify if the Jamaican banks' customer service adhered to the customer satisfaction principles developed by Parasuraman. The independent variables were the 10 dimensions of service quality. Competence, courtesy, credibility, and access were removed because of multicollinearity issues. The dependent variable was the customers' intention. The results indicated a statistically significant relationship, F(6, 196) = 15.074, p < .001, between service quality and customer intent to switch banking services. The six predictors: tangibles (r = -.303, p < .005), reliability (r = -.253, p < .008), responsiveness (r = .35, p < .001), safety (r = -.433, p < .001), communication (r = -.184, p < .028), and empathy (r = -.357, p < .001), accounted the largest variance for (Î² = -.316) of the customers' intention of the Jamaican banking service. The implications for positive social change include the potential for bank leaders to develop customer-focused banking policy, increase customer satisfaction, and decrease costs related to losing customers, thus increasing profitability.

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Ihekwoaba, Kingsley Chigbo. "Veterans Affairs Employees’ Perceptions of Financial Incentives, Organizational Justice, Satisfaction, and Performance." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/7664.

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Veterans Affairs (VA) inconsistently distributes financial incentives, which might affect how VA employees perceived organizational justice, affecting employees’ job satisfaction and performance. The purpose of this qualitative transcendental phenomenological study was to explore the lived experiences of VA employees that informed their perceptions of their workplaces’ levels of organizational justice, their job satisfaction, and their performances due to inconsistent distribution of financial incentives by gathering data through interviews with 13 VA employees from the Southeastern United States. The research question concentrated on the lived experiences of VA employees with respect to the inconsistent distribution of financial incentives, and how these experiences shaped their perception of the level of organizational justice in their workplaces. The study was guided by the conceptual framework of social exchange theory, and data was analyzed per Moustakas 7-steps of data analysis. Four major themes emerged from the analysis of interview transcripts: financial incentives, fairness of financial incentives, organizational justice at the VA, and perceptions at VA. The study findings indicated that the allocation of financial incentives by the VA, based on performance appraisals—a product of supervisors, is skewed by supervisor’s relationship with employees, and negatively affects VA employees job satisfaction and commitment. The results of this study could contribute to positive social change by assisting managers and employees in rectifying the perception of the unfair distribution of financial incentives at the VA.

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Maier, William E. "A descriptive study of demographic financial factors and the perceived financial life satisfaction of retired Oregon public school administrators." PDXScholar, 1985. https://pdxscholar.library.pdx.edu/open_access_etds/783.

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The main purpose of this study was to develop a demographic/financial profile of retired Oregon public school administrators and to determine the relationship between these profile factors and the degree to which financial needs are met, the level of perceived financial satisfaction, and the level of perceived life satisfaction. Another purpose was to define those financial issues which impact the retired administrator and would be helpful in developing guidelines useful for pre-retirement planning and education. The subjects selected for the study were the 295 retired Oregon public school administrators known to the Confederation of Oregon School Administrators who had retired prior to September 1984. Thirty-two questions were asked in an attempt to gather data regarding three major areas: biographical information, financial information, and perceptions of financial/life satisfaction. A total of 198 or 67% of the retired administrators surveyed returned a completed survey instrument. Based upon the results, a demographic/financial profile evolved for the sample population. Moreover, a significant relationship was found to exist between sex, health rating, the ability to keep pace with inflation and the degree to which financial needs are met. Sex, health rating, the level of pre-retirement income, the ability to keep pace with inflation and the point at which retirement planning began were found to relate significantly with the perception of financial satisfaction. A significant relationship was also found to exist between health rating, the level of pre-retirement income, the ability to keep pace with inflation and the perception of life satisfaction. The degree to which financial needs are met related significantly with the perception of financial satisfaction and perception of life satisfaction. Finally, a significant relationship was also found to exist between the perception of financial satisfaction and the perception of life satisfaction.

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Bleske, Adrian. "The antecedents of customer satisfaction in a financial institution : a qualitative study." Thesis, Rhodes University, 2008. http://hdl.handle.net/10962/d1015482.

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The following is a case study report on the Cape Town business unit of Standard Bank Properties. The research project falls within the ambit of services marketing which introduces several unique management challenges for service businesses that sell services as a core offering. The principal aim of the case study is to gain an understanding of why customers bank at the business unit and to discover what aspects are critical to customer satisfaction. A further goal of the research is to examine how the business unit could improve customer satisfaction and to highlight any impediments to further improving customer satisfaction at the business unit. It is generally regarded that quality customer service is essential to building customer relationships and hence the research project emphasis on services marketing and customer satisfaction within a financial services context. The paper commences with an overview of the South African Banking Sector and its unique challenges such as the Financial Service Charter and newly introduced legislation such as Financial Intelligence Centre Act. The case study will specifically investigate the property finance industry and a detailed analysis of the business unit's operations and process flow will also be undertaken. The reason for this background information is to assist the reader to understand how the business unit operates. The research project will investigate four unique differences between goods marketing and services marketing whereafter three theoretical propositions are introduced, namely the dyadic interaction and service encounter, the Service Profit Chain and finally Relationship Marketing. Evidence in the form of a narrative will be led from insights obtained from interviews conducted with customers and staff at the business unit against these propositions with support (or otherwise) from independent surveys and documents from the business unit. The result of this analysis is the identification of several areas of concern specifically: New employees and the service encounter, Problems with FICA, Lack of a customer complaint handling system, Empowerment issues, Turnaround times, Reliance on key staff These insights together with the evidence from the literature review will be analysed and several recommendations made to improve customer service and ultimately customer satisfaction at the business unit. Several recommendations for further research are offered as well as the identification of limitations including but not limited to the specificity of the case study report.

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McConnell, Daniel Matthys. "Employee happiness at a financial institution." Thesis, Nelson Mandela Metropolitan University, 2017. http://hdl.handle.net/10948/19026.

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Happiness, or the concept of well-being can be traced back to the era of Aristotle (384 to 322 BC), Epicuruss (341 to 270 BC), John Locke (1632 to 1704) and more recently Ed Diener (DOB 1946), who played an integral part in the well-being revolution. People have very different ways in seeking happiness, whether it is closely associated to their personal life, the work environment or in society, they are constantly striving towards a goal of experiencing happiness at its purist form. Bursts of absolute joy and the purist form of immediate gratification cannot provide a path to finding happiness and well-being. The process is intricate and requires a variety of variables integrated into a combination of events and lifestyle experiences to culminate into an existence which produces a feeling of inner peace and fulfillment. Current research suggests that this is not an attainable state of existence, but human nature drives every individual to seek out a path to finding true happiness. The advent of the modern day economic crisis has changed the global environment to the extent where society is attempting to find a new norm to operate in. As a consequence, individuals are presented with new challenges which have forced them to re-evaluate their path to finding a balance in their lives. These changes have added new challenges to deal with and adapt to as new forces in the global environment start to shape a new tomorrow. People spend a large portion of their existence working to earn an income and to provide a means of supporting themselves and their dependents. The challenges they face are enhanced by the strains of working in stressful and pressurised working environments as their employers are also adapting to the changing global environment. Economic pressure is passed on to employees, as they are pushed to achieve the financial results demanded by shareholders. The last ten years has seen a wealth of research being conducted in the space of well-being and how it relates to business has gained popularity. The study of epidemiology refers to the study of components of human behaviour, which have a negative impact on individual functioning, like stress and anxiety disorders. Well-being in the workplace can counter these ailments and create a working environment absent of these negative afflictions which damage the productivity of a workforce. Employers who understand the positive aspects associated with well-being are in a position to effectively deploy their employees to produce improved financial results. The starting point for many organisations is to determine the current level of happiness in their businesses and to establish what variables are responsible for the current state of well-being. The main objective of the empirical study was to determine the level of happiness at a financial institution. The target population (354 potential respondents) is the regional office the financial institution based in Port Elizabeth, South Africa. Potential respondents received electronic requests by email, requesting their participation in the study. A total of 164 completed questionnaires were returned (46.33%) and analysed. Literature was reviewed to develop a conceptual model. Seven variables were identified as having an influence on employee happiness and have the potential to change employee well-being levels to aid organisations in their quest to adapt to the prevailing economic conditions and stress people have to deal with on a daily basis. The results from the study show that Work-life, Safety and Security, Growth and Development, Health, Recognition and Reward, Autonomy and Social Connectedness are all closely associate with employee well-being. Safety and security, Autonomy and Recognition and Reward have direct positive associations with the concept of well-being and have a significant relationship and potential to enhance well-being. The end result is that with the correct interventions by an employer, well-being can be measured and applied in the working environment. The correct combination of variables can have a positive impact in the work environment. A happy workforce can be an advantage to an organisation, their interventions can add great value to employees by increasing their commitment to the organisation and ultimately the business can benefit from their Interventions by seeing their efforts being realised in their financial results.

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Bell, Hilary Lauren. "Funding the Golden Age : The Effect of Financial Planning Choices on Anticipated Retirement Satisfaction, Retirement Adjustment and Overall Retirement Satisfaction." Thesis, University of Canterbury. Psychology, 2009. http://hdl.handle.net/10092/6231.

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Retirement planning has been shown to affect transition into retirement, and satisfaction with it. The current study was designed to investigate the effect that financial planning choices have on an individuals anticipated level of retirement satisfaction, their adjustment to retirement and their overall satisfaction with retirement. Retirement was defined as an exit from an organisation or career path of considerable duration, taken with intention of reduced psychological commitment to work thereafter (Feldman, 1994) therefore some retirees in the current study were working in retirement. To incorporate this into the current research, the relationship between working in retirement and planning was explored; looking at whether the previously discussed effects of financial planning (on anticipated retirement satisfaction, adjustment to retirement and overall retirement satisfaction) are affected by work in retirement. The Retirement Satisfaction Index (RSI; (Floyd et al., 1992)) was used to measure anticipated retirement satisfaction, adjustment to retirement and overall retirement satisfaction. Financial planning choices and demographic details were recorded from questionnaires. Participants were 98 retired persons living in New Zealand. Factor analysis was used to explore the factor structure of the RSI (Floyd et al., 1992) on a New Zealand sample, the factor struture was similar to structure repeorted by Floyd et.al (1992) and Fouqueraeu, Fenandez and Mullet (1999). Some changes were noted in the ‘retirement satisafaction’ factor. The implication of these are discussed. Individual financial planning had a positive effect on overall retirement. There were no significant effects found for anticipated satisfaction and adjustment to retirement. Further working in retirement had no significant effects on individual planning or the previously discussed effects of individual planning on the retirement experience.

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Lint, Milan D. "An investigation of the relationship between perceived financial need and pay level satisfaction." Connect to resource, 1993. http://rave.ohiolink.edu/etdc/view.cgi?acc%5Fnum=osu1262711832.

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Midkiff, Judith Lynn. "Financial attitudes, behaviors, and satisfaction of limited and middle income households in Virginia." Thesis, This resource online, 1994. http://scholar.lib.vt.edu/theses/available/etd-06112009-063214/.

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Rothner, Elizabeth. "Psychological well-being and job satisfaction of employees in a financial institution / Elizabeth Rothner." Thesis, North-West University, 2005. http://hdl.handle.net/10394/912.

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Companies, also financial institutions, realign, redesign, restructure and downsize on an ongoing basis, increasing tension in employees to survive in the work environment. Besides coping with the impact of recessions and layoffs, employees also have to cope with increased workloads and the pressures of modem life. Employment is not only a means of financial viability, but also defines individuals' identities. Job loss - or even the threat of it - can be psychologically devastating and may influence the psychological well-being of employees. This may impact their perceived job satisfaction as well. The current trend within organisations is to move towards a model that focuses on strengths, where individuals take charge of their own lives and have effective working conditions where they successfully cope and perform optimally. The objective of this research was to determine the relationship between psychological wellbeing (i.e. self-efficacy, positive and negative affect, and sense of coherence) and job satisfaction of employees in a financial institution. The research method for this article consisted of a brief literature review and an empirical study using a cross-sectional survey design to collect data. An availability sample (N = 117) was taken from employees from different levels in a financial institution. The Minnesota Satisfaction Questionnaire (MSQ), Generalised Self-Efficacy Scale (GSES), Affectometer 2 (AFM), Orientation to Life Questionnaire (OLQ) and a Biographical questionnaire were administered. The statistical analysis was carried out with the help of the SPSS-programme. The statistical methods utilised in the article consisted of descriptive statistics, Cronbach alpha coefficients, Pearson product-moment correlation coefficients, Regression analysis and Manovas. The results showed acceptable internal consistencies for all the constructs. Product-moment correlation coefficients showed significant positive correlations between self-efficacy, positive affect, sense of coherence and job satisfaction and significantly negative correlations between negative affect, self-efficacy, positive affect and sense of coherence. Self-efficacy, positive and negative affect, and sense of coherence predicted 19% of the variance in job satisfaction with sense of coherence the only significant predictor of Job Satisfaction. No differences in terms of biographical characteristics in the experience of self-efficacy, positive affect, negative affect, sense of coherence and job satisfaction could be found. Recommendations for future research were made.
Thesis (M.Com. (Industrial Psychology))--North-West University, Potchefstroom Campus, 2006.

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Boyle, Jeremy. "Shared money, less conflict, stronger marriages: The relationship between money ownership perceptions, negative communication, financial satisfaction, marital satisfaction and marital instability." Diss., Kansas State University, 2012. http://hdl.handle.net/2097/13638.

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Doctor of Philosophy
Department of Family Studies and Human Services
Kristy Archuleta
Jared Anderson
The current study tests a conceptual model exploring the relationship between perceived money ownership (PMO) in marriage, negative communication, financial satisfaction, marital satisfaction and marital instability. Relying on a cross-sectional, convenience sample (N=345) of social media users, structural equation modeling was used to analyze the relationship between these variables. The results indicate that individuals who perceive money as shared in their relationship experience greater marital satisfaction and financial satisfaction and less marital instability, and that the relationship between PMO and these outcome variables are mediated by negative communication. Thus, having a shared money ownership perception is associated with lower levels of negative communication which in turn is associated with higher levels of financial satisfaction and marital satisfaction and lower levels of marital instability. These findings add to the literature on couples, finances, and relationships by showing that PMO is a potentially important variable in understanding relationship processes and outcomes in marriage.

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Zmyslinski-Seelig, Anne Nicole. ""To each their own"| Comparing satisfaction, money management, and financial communication across couple types." Thesis, The University of Wisconsin - Milwaukee, 2016. http://pqdtopen.proquest.com/#viewpdf?dispub=10119530.

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Negative outcomes associated with poor money management and financial communication prompt research that provides fresh theoretical perspectives with the ultimate goal of providing concrete advice to both couples and practitioners. Contributing to scholarship regarding finances in committed relationships, the current study examined connections among relationship satisfaction, financial management, and financial communication. Results demonstrated positive associations between: (a) relationship satisfaction and financial management as well as (b) relationship satisfaction and financial communication. Further, utilizing Fitzpatrick’s (1988) couple types, the investigation tested whether or not the typology explained differences in individuals’ and dyads’ relationship satisfaction, financial management, and financial communication. Regarding differences based on dyads’ types, Independent couples reported lower levels of relationship satisfaction than Traditional/Independent, Independent/Separate, and Traditional couples. As far as financial communication, Independent couples reported lower levels of communication than Traditional and Traditional/Separate couples. Second, concerning differences based on individuals’ couple types, Traditionals reported higher levels of satisfaction (low conflict and high stability) than Separates as well as higher levels of financial communication than Independents. Separates also reported higher levels of financial communication than Independents. Overall, findings of the study highlight the importance of productive financial management and communication in sustaining satisfying relationships. Finally, results indicate that couple types account for some differences in relationship satisfaction and financial communication; however, future research should continue to explore this phenomenon, particularly because of the profound impact of money on committed relationships.

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Archuleta, Kristy L. "The impact of dyadic processes and financial management roles on farm couples." Diss., Manhattan, Kan. : Kansas State University, 2008. http://hdl.handle.net/2097/929.

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Silwana, Hlumela Zukiswa. "The influence of people-centred leadership styles on owners's job satisfation and perceived financial performance : an SME perspective." Thesis, Nelson Mandela Metropolitan University, 2015. http://hdl.handle.net/10948/d1018511.

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It is well supported in the literature that a positive relationship exists between effective leadership and business success. Given the importance of SMEs in South Africa, their large numbers, and the extent to which they positively influence the economy of the country, it is important to study leadership behaviour in the context of small and medium-sized businesses in an attempt to reduce their high failure rates. More specifically a need has been identified to research, develop, and implement more ethical and relational leadership styles among business owners. The focus of this study is therefore on several people-centred leadership styles, and their influence on selected outcomes among the owners of small and medium-sized businesses. Against this background, the primary objective is to assess the level of Servant, Authentic, Ethical and Participative leadership exhibited by SME owners in the Eastern Cape, and to establish whether exhibiting these people-centred leadership styles influences their Job satisfaction and the Perceived financial performance of their businesses. A quantitative research paradigm was adopted for this study. More specifically, an explanatory and descriptive study of a cross-sectional nature was undertaken. A comprehensive literature study was conducted using existing secondary sources. The primary data collection procedures involved selecting the population, the sample, and the sampling method, as well as the sample size for the study. For the purpose of this study, the population consisted of all small and medium-sized business owners operating businesses within the boundaries of the Eastern Cape Province. A sample of 500 of these businesses was selected by means of convenience sampling. In total 246 usable questionnaires were returned, on which to undertake the statistical analyses. A survey was undertaken, and a structured, self-administered questionnaire was used to gather the necessary data. The scales for measuring the constructs under investigation were developed based on previous research. To assess the validity of the scales measuring the constructs in this study, an exploratory factor analysis was undertaken, and its reliability was tested by calculating Cronbach’s alpha coefficients. Statistical analysis included descriptive statistics, Pearson’s product moment correlation, regression analyses (simple and multiple) and analyses of variance. Five usable factors were extracted from the exploratory factor analysis; these corresponded with the theoretical dimensions of Participative leadership, Perceived financial performance, Ethical leadership, Servant leadership, and Job satisfaction. The items measuring Authentic leadership did not load as expected, and this construct was thus no longer included in empirical testing in this study. Satisfactory evidence of validity and reliability were provided for the other factors extracted. The independent variables reported mean scores of between 3.760 and 4.548, with the majority of respondents agreeing with the statements measuring these leadership styles. The dependent variables Job satisfaction and Perceived financial performance returned mean scores of 4.508 and 3.962 respectively, with the majority of the respondents agreeing with the statements measuring these factors. All the independent variables (Servant leadership, Ethical leadership and Participative leadership) reported significant and positive relationships with each another. The correlation between the dependent variables (Perceived financial performance and Job satisfaction) was found to reflect a moderate positive association. Job satisfaction and Perceived financial performance both reported significantly positive associations with all the independent variables. The simple regression analyses undertaken revealed a significant positive linear relationship between Perceived financial performance and Job satisfaction, as well as between Perceived financial performance and the Job satisfaction of SME owners. The multiple regression analysis undertaken revealed that significant positive linear relationships existed between two independent variables, Servant leadership and Ethical leadership, and the dependent variable Job satisfaction. A significant positive linear relationship was also reported between Ethical leadership and Perceived financial performance. No relationships were found between the independent variables Servant leadership and Participative leadership and the dependent variable Perceived financial performance. No relationship was found between the independent variable Participative leadership and the dependent variable Job satisfaction. The analysis of variance results revealed that Gender, Qualification and the Nature of the business exerted a significant influence on Servant leadership. The results also showed that Generation exerted a significant influence on the perceived level of Ethical leadership displayed by the SME owner. In addition, the findings of the present study showed that the demographic variable Nature of the business exerted a significant influence on Participative leadership. Investigating leadership styles among SMEs is a topic of significance and growing interest among researchers. Given the importance of SMEs to the economies of countries, investigating factors that influence their success is vital. The findings of this study showed that by adopting more people-centred leadership styles, the job satisfaction of SME owners was increased, and the financial performance of their businesses improved. It is hoped that the findings of this study will provide SME owners with practical suggestions on how to increase their levels of job satisfaction and the financial performance of their businesses, and that the suggestions for future research will inspire future researchers to further investigate the issue of leadership among SMEs.

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Dadzie, Joyce Esther. "An Evaluation of Customer Satisfaction Dimensions in the Ghanaian Banking Industry." ScholarWorks, 2017. https://scholarworks.waldenu.edu/dissertations/4613.

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The banking industry in Ghana has seen tremendous growth in recent times. This exponential growth has led to high levels of competition and necessitated that all banks devise strategies to improve customer satisfaction to gain competitive advantage. The growing demands of customers have a significant impact on bank management's ability to attract and retain them. The ability to retain customers depends on the strategy in place to exceed customer expectations and satisfaction. Grounded in relationship marketing theory, the purpose of this qualitative multiple case study was to explore strategies banking leaders use to increase customer satisfaction. Data were collected through semistructured interviews from 6 bank leaders in 3 banks in Accra. Member checking confirmed the interpretation of participant data. Three themes emerged from the data analysis. The themes were customer centricity, customer relationship management, and service quality standards. Adopting customer-centric strategies, building strong relations with customers, and implementing quality service standards might increase customer satisfaction, retention, and profitability. The social change outcomes include the opportunity for the banks to give back to the community through corporate social responsibility and extending credit to improve the quality and standards of living of the people. Improved standards of living could result in the people in the Ghanaian community doing more business with banks, resulting in a ripple effect of profitability and giving back to society.

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Waugh, Geoffrey William. "A study exploring the relationship between employee happiness and financial performance within a South African financial institution." Thesis, Rhodes University, 2014. http://hdl.handle.net/10962/d1012080.

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This research is an investigation of the relationship between employees 'happiness' and the financial performance of a financial services organisation in South Africa. As a component of the financial services industry the banking sector contributes greatly to the economic growth of the country. The South African Banking sector is concentrated and highly competitive. It is vital for banks to maintain competitiveness and ever increasing global competition adds further pressure on organisations to financially perform so as to meet the demands of their shareholders. The literature that has been reviewed and previous research suggest that employee 'happiness' is a vital variable influencing the performance and success of individuals. Organisational performance will be measured in terms of financial performance for the purposes of this research. The concept of financial performance and 'happiness' are discussed and a questionnaire based on the Satisfaction With Life Scale (Diener et al,1985) is used to determine the levels of 'happiness' at selected branches within the institution. The individual branches financial performance is determined via calculating selected ratios, namely cumulative leverage, cost to income ratio and net yield. An analysis of correlation was conducted to establish whether or not a relationship of statistical significance exists between employee 'happiness' and financial performance. It was concluded that there is no relationship of statistical significance between employee 'happiness' and the financial performance of branches within the organisation, it was suggested that other factors exert a much greater influence over financial performance. Some of these factors influencing financial performance are discussed and recommendations for further research are made.

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Gray, JImmie V. "Organizational Growth: The Impact of Lean Six Sigma on Financial and Non-Financial Performance for Nonprofits." Ashland University / OhioLINK, 2021. http://rave.ohiolink.edu/etdc/view?acc_num=ashland1620348674324962.

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Solomon, Solayla. "Enhancing the consumers' satisfaction using social media analytics within the financial industry of South Africa." University of the Western Cape, 2017. http://hdl.handle.net/11394/6154.

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Magister Commercii - MCom (IM) (Information Management)
Due to the pressures of increased competition from different banks, both globally and internationally, financial institutions have made a strategic decision to incorporate Social Media (SM) and subsequently Social Media Analytics (SMA) in the daily operations of their business. In recent years Social Media and especially SMA gained an immense amount of credibility and, as studies suggested, thousands of organisations were transformed, allowing them to become more client centric and to further increase their profits. There is currently not a clear and specific framework providing evidence that SMA can assist in enhancing consumer satisfaction; this study aims to create a framework detailing the consumer satisfaction factors and linking these factors to SMA, specifically in a financial institution within South Africa. Additionally, since SMA has not been given the acknowledgement it well deserves, this thesis will be investigating the impact of SMA on the financial industry, as well as how SMA transformed a South African bank and allowed it to enhance its consumer satisfaction and fundamentally change the manner in which the organisation operates.

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Arendse, Bianca. "Work motivation and satisfaction amongst employees in a financial services organisation in the Western Cape." University of Western Cape, 2013. http://hdl.handle.net/11394/3929.

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Magister Commercii (Industrial Psychology) - MCom(IPS)
In any field of Human Resource Management and in any organisation, the human being is seen as an asset and remains the most valuable and also the most difficult to understand. The past decade has seen an increased focus on employees, their level of motivation and their satisfaction at work. Theorists have been endeavouring to compartmentalise and comprehend those aspects which are of most importance in certain jobs. Tremendous pressure is put on organisations to improve their performance and increase their competitiveness in the continuously changing world of work. This is no different to the challenges financial institutions face such as globalisation, economic shocks, technological changes and downsizing. The aim of the research was to explore the motivation and job satisfaction levels of employees of a financial services organisation within the Western Cape, with particular focus on gender differences. Motivating employees is one of the most important managerial functions. According to Nel, Werner, Poisat, Sono, Du Plessis and Ngalo (2011) success in this endeavour is essential in the quest to utilise the full potential of people so as to ensure quality products and service. The population for this study was a financial services organisation within the Western Cape. A non-probability sampling based on the method of convenience was used of which 95 employees were drawn from the employee pool. Statistical analyses will involve both descriptive (measures of central tendency and dispersion) and inferential statistics (correlation, t-test and analysis of variance).

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Redelinghuys, Maruschka. "The Effect of Compensation Structures on the Well-being of Financial Advisors." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/60518.

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Orientation: The financial sector comprises of the biggest part of South African economy. Organisations are growing fast and changes also happen rapidly which leave employees uncertain. Without the necessary perceived organisational support employees can suffer from several psychological illnesses such as burnout, over-/under committed or feeling unsatisfied with their lives. Research purpose: The purpose of this study was to investigate whether different compensation structures, namely (i) fixed salary; (ii) fixed salary and commission; and (iii) commission only, will influence employees' perceived organisational support, organisational commitment, burnout and satisfaction with life of financial advisors within South Africa. Research design, approach and method: The present study used a quantitative research approach, with a non-experimental, explanatory and cross-sectional survey design, with a population in the financial industry (n=105). The statistical analyses that were conducted include descriptive statistics, exploratory factor analyses (EFA), and multivariate analysis of co-variance (MANCOVA). Main findings: This study brought new insights in how the different outcomes of wellness may be related to perceived organisational support, and how they differ for different types of compensation structures. Specifically, it was found persons receiving fixed salaries experienced higher levels of affective commitment, but they may also be more prone to burnout. Practical/managerial implications: The present study sheds light on the effect of different compensation structures on employees' wellness in terms of Perceived organisational support, organisational commitment, burnout and satisfaction with life. The results can be used by organisations to introduce more suitable compensation structures for a healthier workforce, which could result in higher levels of commitment, and would reduce burnout. In this study it was found that financial advisors who receive a fixed salary are more prone to burnout. Perceived organisational support was significant with all the constructs except for continuous commitment.
Mini Dissertation (MCom)--University of Pretoria, 2017.
Human Resource Management
MCom
Unrestricted

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Le, Roux Karle. "The relationship between corporate communication efforts, client communication satisfaction and –relationship satisfaction, and client economic contribution within a financial services organisation / K. le Roux." Thesis, North-West University, 2011. http://hdl.handle.net/10394/4856.

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After facing the economic recession, the South–African and global business sectors started revaluating their human capital and the positions they represent within an organisation. Each individual now had to prove that they contributed towards the organisation’s bottom line, as each and every cent had to be counted and accounted for. Some functions within organisations could easily prove their contribution towards the bottom line by providing production or sales outputs. The public relations practitioners and the corporate communication efforts they offered, however, faced a bleak future, as their contribution towards the tangible assets was very rarely recognised (Kim, 2000:276). The financial services sector however, in which an advisor’s contribution towards the organisational bottom line is easily quantified, started to acknowledge the need for this sector to improve upon its ‘softer’ intangible assets such as client communication and client relationships. The sector believes that communication establishes relationships, and sound client relationships is the only way to sell financial products and services, as people seldom entrust their life earnings or financial dreams to strangers (Christiansen & DeVaney, 1998:7). Public relations practitioners know how to use communication optimally in the quest for building client relationships, and financial services need those skills in order to sell their products and contribute towards the bottom line. These two functions could thus work together towards the achievement of their goals - public relations to prove their bottom line contribution, and the financial services sector towards improving client relationships. These statements led to the general Research Question of this study: “What is the nature of the relationship between (i) corporate communication efforts, (ii) client communication satisfaction and (iii) client relationship satisfaction, and these concepts’ relationship to (iv) client economic contribution, within a financial services organisation?” This Research Question is answered from the systems theory as meta–theory with the support of the strategic communication, excellence and relationship management theories, and Futurum Financial Group (FFG) services as the financial services organisation for this study. A qualitative and quantitative research approach was followed to establish the constructs, and the relationships between the constructs. The Financial Advisors and public relations practitioner in FFG have a good understanding of the need for strategic communication efforts, and a relationship between their efforts and the client communication satisfaction and client relationship satisfaction could therefore be indicated. A further relationship between the client communication satisfaction and client relationship satisfaction and the client economic contribution was also established. Recommendations to improve the situation within FFG included a better focus on database administration, corporate communication consistency, Financial Advisor diligence, and providing clients with more frequent updates regarding their financial situation. The greatest strengths were client–advisor trust and corporate communication professionalism. This study thus contributes to the argument that communication efforts add tangibly, by means of client economic contribution, to the organisation’s bottom line, within the financial services industry. The study furthermore provides some recommendations for the financial services industry to improve their communication skills in order to build client relationships.
Thesis (M.A. (Communication Studies))--North-West University, Potchefstroom Campus, 2011.

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Hsu, Ming-Shan, and 許銘珊. "A Study of Financial Literacy, Financial Behavior and Financial Satisfaction of Hospitality Management Students." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/26897568067302571410.

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博士
國立彰化師範大學
商業教育學系
100
This study was to understand the perspectives of students of Hospitality Management Department (HMD) toward financial literacy, financial behavior and financial satisfaction. The relationships among financial literacy, financial behavior and financial satisfaction were also investigated. Fifty-four colleges and universities were divided into northern, central, southern and eastern area by stratified random cluster sampling using questionnaires. A total of 164 pre-test questionnaires and 1,919 formal questionnaires were collected and analyzed by structural equation model analysis and multiple regression analysis to obtain the relationship among variables. The results indicated that (1) there were significant differences among demographic variables and financial literacy; (2) there were significant differences among demographic variables and financial behavior; (3) there were significant differences among demographic variables and financial satisfaction; (4) financial literacy of HMD students has a positive influence on financial behavior; (5) financial behavior of HMD students has a positive influence on financial satisfaction; (6) financial literacy of HMD students has a positive influence on financial satisfaction; and (7) financial literacy effects mediated by financial behavior on financial satisfaction. The findings indicated that financial literacy (54.3%) of the HMD students is much lower than American college students (62.2%). Also, the students in Taiwan do not have a budget plan for consuming. Hopefully, this study may help to sensitize educators and students to finance-related courses and provide an effective feedback for institutions of education and future researches.

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YEN, SHU-TUNG, and 顏淑冬. "The Relationship between the Financial Perception and Behavior and Financial Satisfaction." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/8e8d5x.

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碩士
國立高雄應用科技大學
金融系金融資訊碩士在職專班
104
The aim of this paper is to investigate the influence and relationship among three factors in different population classifications, which are, financial literacy awareness, financial behavior, and financial satisfaction. Our main questionnaire falls into four categories: First, we use demographics (population statistics) to be the control variable. Next two parts are independent variables, financial awareness and financial behavior. In the end, we use financial satisfaction to be the dependent variable. 　　Our main findings are as follows: Being base on the results of One-Way ANOVA, shows that there have significant difference in different income level and educational background. Secondly, in the results of regression analysis indicate that financial literacy awareness and financial behavior have a significant high causality relationship with financial satisfaction. We infer that the financial literacy awareness is more correct, the suitable financial behavior will be more reliable, that is, the financial satisfaction will be higher. In order to promote financial satisfaction, what investor can do is to enrich their own financial knowledge and financial management.

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Parotta, Jodi Lynne McFarlane. "The impact of financial attitudes and knowledge on financial management and satisfaction." Thesis, 1996. http://hdl.handle.net/2429/4636.

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Using a model of financial management derived from the Deacon and Firebaugh (1988) Family Resource Management Model, this study examined the impact of financial attitudes and financial knowledge on financial management behaviours in a sample of recently married individuals. Attitudes and knowledge were examined both individually and conjointly. The moderating effect of financial knowledge on the relationship between financial attitudes and financial management behaviours was also investigated. In addition, the impact of financial management on satisfaction with financial status was assessed. In this assessment, two measures of financial management were compared on their relationship to satisfaction. The sample was recruited through a marriage preparation facility in Burnaby, British Columbia. Questionnaires were mailed to 565 past participants who took the course in 1992. The respondents were 194 recently married individuals, a response rate of 41%. When tested separately, both financial knowledge and financial attitudes were significantly related to financial management behaviours. When tested together, however, the effect financial knowledge had was lost, and only financial attitudes remained significantly related to financial management behaviours. Although it was expected that financial knowledge would moderate the relationship between financial attitudes and financial management behaviours, the results of this study did not provide support for this prediction. Results also showed that financial management behaviours were strongly related to satisfaction with financial status, and that the relationship between satisfaction with financial status and financial management behaviours was a function of the instrument used to measure the behaviours.

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Lin, Li-Chun, and 林麗純. "The Path Analysis of Financial Attitudes, Financial Behavior and Financial Satisfaction of senior high school teachers." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/16596062024552649444.

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碩士
國立臺灣師範大學
公民教育與活動領導學系
104
In order to find whether financial satisfaction is affected by an individual's attitude to financial management and his/her financial management behavior, a theoretical framework system is needed for the educators in financial management and the financial management practitioners to better understand the relationship between the behavior and attitudes of those engaged in financial management, as well as to providing appropriate financial management knowledge and financial information. This study used the Conceptual Model of Financial Well-being developed by Shim, Xiao, Barber and Lyons (2009) to construct a three-way relational model covering the attitudes, behavior, and satisfaction with financial management of senior high school teachers. The study used questionnaires to gather data for empirical analysis.. 　　The findings of this study confirmed that the satisfaction level of financial management among senior high school teachers was consistent with Shim et al (2009)that financial satisfaction is impacted by both . Findings of this study also revealed that through analysis of background factors, gender, education level, the number of financial management courses taken, and discrepancies between urban and country areas impact attitudes, behavior, and satisfaction with financial management. The results of this study revealed that out of four observational indices for attitudes to financial management, the variables of "safety" and "autonomy" were significant; for financial management behavior, the variables of "financial planning", "savings and investments", "break-even" and "credit loans" were significant. On the other hand, the effectiveness of the "insurance and risk" variable for the senior high school teachers was not significant indicating a symmetrical relation between attitudes to financial management and financial behavior. According to SEM path analysis, attitudes to financial management have a direct and positive effect on financial management behavior, with 82% of the financial behavior being explainable by the attitudes in financial management Financial management behavior also has a direct and positive effect on satisfaction with financial management, with an explanatory effectiveness reaching 60%. Furthermore, the impact of attitudes to financial management on satisfaction with financial management was achieved through the practice of financial management behavior, with an effectiveness of 50%. Financial management behavior bears the most direct impact on satisfaction with financial management

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Vosloo, Wilmie. "The relationship between financial efficacy, satisfaction with remuneration and personal financial well-being / Wilmie Vosloo." Thesis, 2014. http://hdl.handle.net/10394/13455.

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Financial stress is a condition that is becoming more prevalent in today’s society. Factors such as high debt levels, low savings and economic recessions all contribute to the financial stress experienced by people across all nations. Research has found that financial stress negatively affects employees’ performance at work. Quality employees play a vital role in the success of a business. As a result, employers should strive to ensure employees’ well-being. With these increasing pressures on personal finance and its interference on work, should management attempt to improve employees’ financial well-being? Management needs to be convinced that their actions can improve their employees’ financial well-being. This study established and measured the relationship that the subjective measures financial efficacy and satisfaction with remuneration have on personal financial well-being. A sample size of 9 057 employees from different sectors in South Africa was used. Data was analysed using Pearson correlation coefficients and multiple regression analysis. Three hypotheses were tested. Hypothesis 1: There is a relationship between satisfaction with remuneration and personal financial well-being. Hypothesis 2: There is a relationship between personal financial well-being and personal financial efficacy. Hypothesis 3: Personal financial efficacy moderates the relationship between satisfaction with remuneration and personal financial wellbeing. The study found that all three hypotheses were supported. Personal financial efficacy and satisfaction with remuneration were found to have a large positive relationship with personal financial well-being. The study also established that the relationship between satisfaction with remuneration and financial well-being was stronger in people with higher personal financial efficacy. It is argued that management can intervene with employees’ financial well-being by improving financial efficacy through financial literacy education and by improving their satisfaction with remuneration.
MCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014

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Chen, Wen-ying, and 陳彣穎. "Determinants of Multichannel Users' Satisfaction in Financial Services." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/04059274273898075618.

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碩士
東吳大學
企業管理學系
95
Multiple channels such as branch, ATM, call center, Internet, kiosks are the choices that bank clients nowadays could make the contact with the financial services. Researchers agree that multichannel could provide customers with more options and benefits, which could contribute to satisfaction and in turn, the ultimate success of business. Related literature and discussion could be categorized as two sorts. One is from suppliers’ side: Which characteristics of multichannel could lead to customer satisfaction? The other consideration is from customers’ side: Which traits of customers could impact their usage of multichannel? Hence, the purpose of this study is to examine how multichannel customers value the overall satisfaction across channel in the financial services. The outcomes of our study indicate that in the multiple channel level, satisfaction is still a critical determinant of retention and participation. In addition, the positive relationship between perceived quality and satisfaction is confirmed in the multi-channel environment, while channel switching difficulties is a negative driver to satisfaction. As for the multichannel characteristics: information consistency and personal data integration have significant impacts on multichannel users’ perceived quality, whereas channel accessibility negatively affects on channel switching difficulties. On the other hand, the results of the study support the relationship between customers’ need for interaction and channel switching difficulties, which would lead to a lower level of the overall satisfaction.

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Lo, Wen-Cheng, and 羅文政. "The Influence of Financial Knowledge, Financial preference on Financial Satisfaction- A study of the Military officer in Taiwan." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/s2w6f9.

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碩士
健行科技大學
經營管理研究所
102
The purpose of this study was aimed to discover the relationship among Financial Knowledge, Financial preference and Financial Satisfaction; Close-ended Questionnaire with high reliability and validity was adopted, convenience sampling was used, and 384 effective questionnaires were received. Besides, the results were discovered by descriptive statistics, multiple stepwise regression analysis. The main discoveries of this study were: First, Financial Knowledge had positive relationship on Financial preference. Second, Financial preference had positive influence on Financial Satisfaction. Third, Financial Knowledge had positive influence on Financial Satisfaction.

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Chuang, Min-Hui, and 莊敏惠. "Effects of financial planner’s service behavior on service satisfaction." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/51781754524229275418.

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碩士
國立高雄應用科技大學
商務經營研究所
99
This study investigates the impact of service behavior of financial planner of bank industry on customer satisfaction and customer loyalty. Accordingly, this study devises a theoretical model for examining the links among contextual variables and uses regression analysis to examine two hypotheses. Research data is collected using surveys of 191 customers of bank industry, the regression analysis results clearly indicate that image expression and expertise have a positive impact on customer satisfaction and customer satisfaction has a positive impact on customer loyalty. Finally, the findings of this study and their implications are discussed.

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HUA, CHIN CHUN, and 陳錦華. "The Research on the Relationships among Financial Perception, Financial Planning for Retirement and Financial Satisfaction of Elementary School Teachers." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/89698270963210768058.

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碩士
正修科技大學
經營管理研究所
103
The retirement system of teachers is facing a momentous reformation due to the stagnant growth of salary and the bankruptcy crisis of pension funds in recent years. Elementary school teachers in the relatively simple educational environment are not really proactive in managing finances because of the regular monthly paid pension. Nevertheless, the system is altering, the interest rates are cutting, a secure and enjoyable retirement is not inevitable anymore if the teachers do not change their mentality. This study aims to probe into the connections between the perception, pension plan after retirement and satisfaction on financial management for the elementary school teachers. Adopting “Questionnaire Survey” and the data were analyzed by using SPSS 18.0 for Windows, including Cross-analysis, T-test, one-way ANOVA, and regression analysis. The conclusions were shown as follows: 1. Elementary school teachers are based on the qualifications of female, married, monthly family income over 120K and expenditure less than 40K, with seniority of 11 – 15 years, aware of total amount of pension received after retirement, ore than 16 years to come of retired age, taking monthly paid pension after retirement, and time deposit being the most favorable way of managing finance. 2. Elementary school teachers have the correct perception of entire financial management, the most positive is on perception of “planning”,and nevertheless, most of them are less of interest on financial management. In regards to financial investment and management after retirement, mostly rely on the pension, the choice of the way for financial management towards to be conservative; the first priority of concern is “breakeven”. The subjects show acceptable degree on the satisfaction oftheir own financial management. 3. Elementary school teachers in different genders are with obvious diversity in subjective perception, financial management interest, choice of financial management and investment and planning of financial management after retirement. 4. Elementary school teachers in different marital statuses are with obvious diversity in subjective perception, risk perception and entire financial management perception. 5. Elementary school teachers in different retirement ways are with obvious diversity in subjective perception, risk perception and entire financial management perception. 6. Elementary school teachers with different monthly family income are with obvious diversity in the perception of planning. 7. Elementary school teachers with differentseniorityare with obvious diversity in the financial management after retirement and entire financial management and investment. 8. Elementary school teachers with different understanding about pension are with obvious diversity in the perception of entire financial management, entire financial management and investment after retirement and entire satisfaction on financial management and investment. 9. The better perception of entire financial management, the more superior planning of entire financial management after retirement. 10. Perception of entire financial management and entire financial planning after retirement are in direct proportion. To sum up, the person who has more perception of financial management, the better planning for the retirement is, as well the satisfaction on financial management is higher. The three aspects influence one another obviously. At the end,synthesizing the study to raise concrete proposals for teachers, official authorities and banking institutions.

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42

Wei, Hsiu-Chen, and 魏秀珍. "A Study of Money Management and Financial Satisfaction of amilies." Thesis, 1995. http://ndltd.ncl.edu.tw/handle/01902333020240680621.

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碩士
國立師範大學
家政教育學系
83
The purpose of this study was to examine the money management & financial satisfaction of families and evaluated the importance related factors. The important findings are that(a)most families had more than one money manage program. (b)money managementms had been related positively to their education, family income, money management type, money management attitude, andunication betweeen couples. (c) preictive variables of moneyement program are communication betweem couples, familyd money management attitude. (d) most families and satisfied with their finance. (e)financial satisfaction had beenelated postively to family income, communication, and moneyement program. (f)preictive variables of financial satisfacare family income, communication, and money managementesearch implications and recommendation are providedt.

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Hsu, Midas, and 許俊雄. "The Analysis of the Customer Satisfaction Model for Financial Institutions." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/53394164502690023942.

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碩士
銘傳大學
金融研究所
89
As the economy changes, banking management must change, too. In a near future, Taiwan will participate in the World Trade Organization（WTO）, there will be more chaos and keenly competitive circumstances in the banking market . At that situation, Fornell and Wernerfelt（1987, 1988）suggest banks may adopt defense strategy. By rising customer satisfaction may lead to raise customer royalty, then banks would remain good customers and earn more profit. The main purpose of this article is to provide a more substantial and accurate model of the relationships among expectation, performance, disconfirmation, satisfaction, and the complaints and loyalty of customers. This research estimates that the model for the commercial banks located in Taipei city for which data are collected. This paper uses Principle Component Analysis and Gray Theory to develop an index-Normalization Customer Satisfaction Index（NCSI）. NCSI is a measure for the customers’ overall satisfaction scores. This paper uses Factor Analysis to find the factors that affect the banking service quality. After checking the data of validity and reliability, using Linear Structural Relationships（LISREL）to analysis the relationships between each constructs. Highlights of the findings include that（1）there are no significant differences between the overall satisfaction of “ Former Banks” and “ New Banks”（2）the most significant antecedent of the customer satisfaction is the service performance; the most significant consequence of the customer satisfaction is the loyalty.

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44

Wei, Kuan Fu, and 魏寬甫. "Customer Levels Effects on the Job Satisfaction of Financial Consultant." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/20811829616486686512.

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碩士
大葉大學
事業經營研究所碩士在職專班
96
As Taiwan's accession to the WTO, liberalisation of financial markets and liber-alization in recent years, banking customers are increasingly recognize the urgency of the financial planning needs, the industry faces intense competition environment, have set up wealth management and financial management commissioner, to provide good customer Professional services and financial information. Wealth management of all the hot topic of discussion in recent years, the financial sector to set up financial management is the most popular financial services, and their quality financial products, financial management and most consumers lack of knowl-edge of the cautious attitude of wealth management, it is worthy of being research on the subject. This study investigated the customer level, according to the current financial holding company of AUM deposits of classification, financial management and finan-cial holding companies from the classification, also based on the size of AUM. By Robert Kaplan and David Noreon and 1992 by the Balanced Scorecard dimensions in-tercept and to improve service quality, satisfaction with staff to learn and grow, so do for job satisfaction study. This study investigated the customer level, according to the current financial holding company of AUM deposits of classification, financial management and finan-cial holding companies from the classification, also based on the size of AUM. By Robert Kaplan and David Noreon and 1992 by the Balanced Scorecard dimensions in-tercept and to improve service quality, satisfaction with staff to learn and grow, so do for job satisfaction study. The purpose of this study different characteristics of the study of financial man-agement, the proposed fiscal Commissioner should re-examine its objectives, and un-derstand the real needs of customers, to improve the financial management job satisfac-tion.

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Smith, Lisa. "Relationship of Proactive Personality, Financial Planning Behavior and Life Satisfaction." 2017. http://scholarworks.gsu.edu/bus_admin_diss/89.

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The present study examines relationships among differences in personality, financial planning behaviors, and retirement life satisfaction. The hypothesized sequence of relationships is: PersonalityàFinancial Planning BehavioràRetirement Life Satisfaction. The study adds to prior research by clarifying the hypothesized role that proactive personality (as opposed to other personality variables such as the Big Five) has as a predictor, and also by showing how differences in discrete types of financial planning behavior influence retirement life satisfaction and mediate effects of proactive personality on satisfaction. This study tests these linkages while also addressing limitations and ambiguity in prior research regarding these potentially important effects among disposition, financial planning and a satisfactory retirement.

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Hung, Pin, and 洪蘋. "A Study of Investor's Customer Satisfaction Module for Financial Products : A Case of Financial Company in Kaoshiung." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/22944462735093203190.

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碩士
國立高雄應用科技大學
企業管理系碩士在職專班
99
The personal finance market has already been the crucial battlefield in the competitive financial industry for a long time. The best policies for bank operators to keep customers are to place customer needs as a guideline, gain customers’ trust, desire to maintain long-term and stable relationships with customers, explore customer needs as well as provide services beyond customers’ expectations. Based on the above thinking, this study was carried out by focusing on the financial commodities offered by a bank. The author mainly discussed the customer satisfaction model of the investors buying financial commodities so as to find out the effect and correlation between the aspects such as relationship quality, perceived risk, customer satisfaction and customer loyalty. This study was designed for the bank operators to get a clearer picture about the investors’ needs while making their investments in the financial commodities and to actively gain customers’ trust and support. Bank operators can refer to the results of this study as they are mapping out the strategies to operate the financial commodities. This study, conducted at a regional level, adopted a questionnaire survey. The subjects covered by this study were sampled from the customers buying financial commodities from Commercial Institute X’s branches located in Kaohsiung. 298 valid questionnaires were collected. The software, SPSS 18.0, was used as the calculation tool. The analysis on differentiation of demographic variables versus each aspect was made. In addition, the analysis on the interactiveness between aspects and hypothesis testing were carried out. After the empirical analysis, the following conclusions were made by this study: (1) the effect of relationship quality on customers’ perceived risk was significantly negative; (2) the effect of relationship quality on customer satisfaction and customer loyalty was significantly positive; (3) the effect of perceived risk on customer satisfaction and customer loyalty was significantly negative; (4) customer satisfaction had partial mediating effect on relationship quality and customer loyalty; and (5) customer satisfaction had partial mediating effect on perceived risk and customer loyalty.

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Pan, Ya-Hui, and 潘雅惠. "The Study of The Consumer's Satisfaction in Purchasing Banking Financial Products." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/81044732835683464143.

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碩士
國立東華大學
企業管理學系
95
In recent years, Taiwan’s financial industry has adversely affected by the increasing amount of bad debt. In order to raise the non-risk fee income, banks have paid a lot of attention on the Wealth Management market and have endeavored on this business. While wealth management is becoming more and more prevalent in Taiwan, banks’ products have trended to be diversified and innovative. Various products are introduced to the market such as derivatives, insurance policies, mutual funds, and structured notes. Meanwhile, in order to create a win-win situation, banks must have the ability to be the gatekeepers for the introduction of appropriate and high quality products to their clients. Therefore, investors’ satisfaction with the implementation of the wealth management business is directly related to the banks’ future development. The purpose of this study is to explore the relationship among the characteristics of sales personnel, brand equity, relationship quality, perceived risk, and clients’ satisfaction when the local banks’ clients purchase financial products. The method is to use the statistic analysis with utilizing a questionnaire survey and structural equation model to analyze the impact on the relationships among the characteristics of sales personnel, brand equity, relationship quality, perceived risk, and clients’ satisfaction. In addition, this method also takes personality traits and demographic variables into consideration and tries to explore the possibilities of different patterns. The results of the study are as follow: (1) Bank’s brand equity has a significant positive impact on the relationship quality; (2) Bank’s brand equity has a significant negative impact on the client’s perceived risk; (3) Bank’s brand equity has a significant positive impact on the client’s satisfaction; (4) Good salesperson characteristic has a significant positive impact on the relationship quality; (5) Good salesperson characteristic has a significant negative impact on the client’s perceived risk; (6) Good salesperson characteristic has a significant positive impact on the client’s satisfaction; (7) Relationship quality has a significant negative impact on the client’s perceived risk; (8) Relationship quality has no significant positive impact on the client’s satisfaction; (9) Client’s perceived risk has a significant negative impact on the client’s satisfaction, (10) The different personality trait significantly affects the five variances of the model; (11) The different demographic variable significantly affects the five variances of the model.

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48

Huang, Jui-Han, and 黃瑞漢. "The Customer Satisfaction and Dissatisfaction ofService Encounter with Bank Financial Consultant." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/96623295497957572482.

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碩士
國立雲林科技大學
企業管理系碩士班
94
Abstract In the intense competition of wealth management market, the service of the financial consultant is more and more important, this paper use the critical incident technique to explore the factor of satisfaction and dissatisfaction of the finance consultant’s service to the customer, as the basis of the banking industry service improvement to raise the advantage of competition. This paper used the interview with person to collect the critical incident of the customer who had been serviced by the financial consultant. We got 152 data of the interview, there are 160 satisfaction events and 144 dissatisfaction events, altogether obtains effective event is 304. Next, carry on the classification, compare, and analysis of the satisfaction and dissatisfaction event that customer encounters with the service of the financial consultant, to explore the critical factor of customer to be satisfied and dissatisfied. Provide the reference to the financial consultant and let them to provide more perfect service, satisfied the finance customer’s real need and create the biggest mutually benefits. After the classification, compare, and analysis of this paper, we found that： 1. The customer thought financial consultant “performance of professional ability”, “integral assessment”, and “benefit of wealth management”, these three items are the critical factors of service encounter. Although, financial consultant got many positive appreciations from customer of these three items, but there are still many customers felt dissatisfy of these three items and have complains. This is the customer’s expect result of the financial consultant role, and also it’s the critical factor to influence the financial consultant’s service quality. 2. The customer thought “response to customer preferences” is the dissatisfied item to influence the service encounter, financial consultant can not satisfy the customer need of finance goods and provide customization service is the most let the customer feel dissatisfy and would have complains. 3. The customer thought “ response to unreasonably slow service” is the dissatisfied item to influence the service encounter, when the bank was very busy or had a lot of customers, it will let the customers have complains. Although, customer had response to the bank or financial consultants, but they still feel very dissatisfy. . 4. The customer thought “response to special needs customers” is the dissatisfied item to influence the service encounter, customer hopes to get the non-financial affair service from financial consultant, but they do not get the response from financial consultant, therefore, customer feel dissatisfy. 5. “Attention paid to customer” is the satisfied item to influence the service encounter. Because of the financial consultant pay attention and respect on the customer that will let customer feel surprised and they like it, let them feel they are unique, so the customer will feel very satisfy. Keywords：wealth management, financial consultant, service encounter, Critical Incident Technique ; CIT

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Ha, Hoang Thi Thuy, and 黃氏翠霞. "Staffs’ job satisfaction at Thanh Ha financial department, Hai Duong province." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/48780150633641846775.

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碩士
樹德科技大學
經營管理研究所
103
ABSTRACT The purpose of the study is to investigate the level of job satisfaction of staffs in Thanh Ha financial department. The findings indicated that staffs were satisfied with their job and statistically positive relationships existed between the dependent variable and the 3 aspects of job satisfaction. The generalization of the results of this study should be cautiously interpreted since the scope of the study is Thanh Ha district and five variables chosen. Future studies are recommended so that additional variables can be incorporated in the research instrument to understand their influences on job satisfaction. The main aim of the current thesis was to investigate the relationship between the chosen variables from the Job Satisfaction Survey and job satisfaction of staffs in Thanh Ha financial department. The motivation to serve the specific users as measured by the variable user orientation and the motivation that springs from receiving a higher salary for one’s work also have positive impacts on job satisfaction. The objectives of this thesis are orient towards helping the individual user thus increases job satisfaction, yet the same is true for higher salaries, more comfortable, and more effective. Key words: Job Satisfaction, Financial department

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50

Linh, Nguyen Thi Mai, and 阮氏梅玲. "A Study on Customer Satisfaction toward Quality of Financial Inspection Jorunal." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/9ce43r.

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碩士
美和科技大學
企業管理系經營管理碩士班
105
Nowaday, it is obvious that readers are important stakeholders of a publishing firm due to the increasing competition of the business environment. Reader’s satisfaction has been an important factor of publishing firm’s interest. Defining factors that affect readers’ satisfaction is more important to a journal like Financial Inspection Journal as this helps them to understand readers’ needs to fulfill and maximize its reputation and profit. The main objectives of this study are to test the applicability of new model in Financial Inspection Journal context, and to identify the relationship among readers’ satisfaction and journalism quality dimensions. To achieve these objectives, a survey questionnaire is designed base on paradigm of SERVPERF model proposed by Cronin & Taylor (1992) which measure readers’ satisfaction by their perceives about quality and three journalism quality dimensions are based on theories of Lacy and Rosenstial (2015), Borgal (1989) and Meyer and Kim (2003). The surveys were distributed to 95 Financial Inspection Journal’s readers by online and hard copy vesions and 60 surveys were valid. The findings reveal that among three dimensions of journalism quality which are content quality, appearance quality, interactivity quality, readers perceive the quality of appearance dimension at highest level and the three dimensions have positive impact on readers’ satisfaction. Base on the research result, author suggested some solutions that help Financial Inspection Journal to improve the quality ty of content, quality of appearance and quality of interactivity.

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