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A boutique cooperative bank – is it possible?

Kura Michał, Płonka Aleksandra

Zeszyty Naukowe. Organizacja i Zarządzanie / Politechnika Śląska

2023

z. 173

375--388

Purpose: The purpose of the research was to collect customers' opinions about the need and possibility of the operation of a boutique cooperative bank. While reviewing examples of the operation of boutique financial institutions, which served as an inspiration for developing the model of a boutique cooperative bank, an attempt was made to answer the question of whether there is space for a boutique cooperative bank as an alternative to consolidation in the cooperative banking sector. Design/methodology/approach: The research was conducted on a group of anonymous and randomly selected 100 people who were customers of cooperative banks. The research tool used in the paper was a survey questionnaire. Findings: The concept of building a hybrid structure of small, specialised banks has been confirmed by the literature and the research conducted. It has been confirmed that unless small cooperative banks find a new business model and take advantage of market niches, they will face inevitable consolidation. The findings have confirmed that direct relationships with customers that cooperative banks can leverage constitute one of key capabilities in building a boutique bank. Further, it has been confirmed that for a certain group of customers, there is space for banks providing consierge services. Practical implications: application of gathered knowledge and experience in creation of the boutique model of a cooperative bank. Originality/value: presentation of solutions in the area of the operation of boutique banks and highlighting the significance of the new model of a cooperative bank as a counterbalance to the processes of consolidation in cooperative banking.