PurposeThis paper aims to present a conceptual model that highlights the complexities associated with foreign banks wishing to operate with the Indonesian marketplace.Design/methodology/approachThe paper is conceptual in nature and draws upon the marketing literature and theory to present a number of propositions.FindingsThe paper melds key international marketing constructs by positing that Indonesian consumers using foreign banks yield utilitarian, hedonistic and symbolic benefits. These underlying consumer outcomes are modeled into variables likely to impact purchase intentions.Research limitations/implicationsThis paper represents the first attempt to conceptualize the many challenges facing foreign banks operating within an Indonesian setting. As Indonesia has a diverse range of cultures and values systems the model highlights the considerations associated with operating in such a diverse country.Practical implicationsA number of important implications are presented for bank decision makers operating within Indonesia.Originality/valueA conceptual model is presented and the paper suggests a future research agenda applicable to both the Indonesian and wider banking context.
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