International Students

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The present study was an investigation into student banking arrangements at four major banks- HSBC, Lloyd’s plc, Barclays and NatWest- in the Newcastle area, and recommendations as to which provided the best services to international students. A sample of 200 subjects, ranging from the ages of 16 to 29 years, was drawn from different areas in Newcastle, United Kingdom. All the subjects were international students belonging to the different areas in Newcastle.

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Another sample of 50 subjects was drawn from bank personnel of HSBC, Lloyd’s plc, Barclays and NatWest. Further information was gathered regarding age, education and accommodation.

Sampling Strategy

The sampling strategy employed in the research was Stratified Random Sampling. Stratified Random Sampling also referred as proportionalorquotarandom sampling, is separating the population into uniform subgroups and then drawing a simple random sample from each subgroup (Trochim, 2006).

Primary Research

Questionnaire for Students

A questionnaire was distributed among international students of Newcastle to find out which of the bank accounts was used most by the students. The questionnaire also had questions concerned with why the students chose a certain bank among HSBC, Lloyd’s plc, Barclays and NatWest and what features of that bank attracted them the most. There were questions designed to investigate the geographic locations and ease of access to these banks within the region designated to students and their life styles.

Questionnaire for Bank Personnel

Another questionnaire was designed to gather data from the bank personnel of HSBC, Lloyd’s plc, Barclays and NatWest. These questions were related to how important potential student customers were to their organization. Furthermore, the questions also investigated the management and marketing strategies these banks used.

Consent Letter

All the participants in the study were given a consent letter,

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