Literature Review Thomas Foscht, Judith Schloffer, Cesar Maloles III, Swee L. Chia (2009) foundthe differences among the three age groups contained in Generation Y in terms of theirsources of information, financial services used, likelihood of switching, and number ofbanks utilized. In addition, determinants of satisfaction, loyalty, and behavioral intentionare primarily affected by satisfaction with employees and services rendered. There resultsindicated that as young people reach certain milestones, their needs become moremultifaceted. Consequently, the determinants of satisfaction have also changed. A studyconducted by Mamunur Rashid, M. Kabir Hassan (2009) in Bangladesh in six fullfledged Islamic banks found non-Islamic factors such as Corporal efficiency, CoreBankingServices, Confidence, etc. were given higher weights by majority of therespondents. The report recommends introducing complete E-Banking solution, toincrease advanced marketing efforts and to hire experienced human resources for betterIslamic Banking activities in Bangladesh.Charles Blankson , Ogenyi Ejye Omar , Julian Ming-Sung Cheng (2009)identified four key factors - convenience, competence, recommendation by parents, andfree banking and/or no bank charges - to be consistent across the two economies. Therecommendation of the study is that in the context of an open and liberalized marketenvironment, retail bank marketing strategies should be standardized irrespective of thenational development stage. It concludes that retail bank managers particularly indeveloping countries should learn to provide consistent and good customer care.Omar Masood, Jamel E. Chichti, Walid Mansour , Muzafar Iqbal (2009) researchattempt is made to assess the degree of customer awareness, satisfaction as well asselection criteria. A sample of 200 respondents took part in this study. The responseswhere shows a certain degree of satisfaction, there few respondents also have expressedtheir dissatisfaction with some of the Islamic bank's services.Dominic Celestine Fernandez (2008) conducted a survey and results indicated noattribute obtained was an outright determinant of bank selection choices. This wasattributed to the diverse needs of respondents as revealed by this survey. While somedeterminants such as location was of prime importance when selecting a bank, otherfactors that emphasize of better social interaction between banker and client, is gainingprominence partly due to the influence of Asian culture. It also revealed the use of theconsumer decision making model when selecting bank choices. As a whole, this studywas able to achieve its objective in understanding and providing a snapshot of theimportant determinants in bank selection based on the feedback from survey respondents.How a larger sample over a greater length of time is deemed to provide a betterunderstanding of trends in Malaysia.Charles Blankson, Julian Ming-Sung Cheng, Nancy Spears (2007) study revealsthree key dimensions, factors, strategies that are consistent across all three economies.The paper concludes that open and liberalized business climate appear to explainconsumers' decisions. This research is based on the college student cohort and thus theresults do not represent the public. This poses generalizability questions without furtherreplications and validations. This study did not examine whether there were consumers'switching behaviors involving banks.
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