The reasons of bank preferences in the process of consumers' credit use: A study in Süleymanpaşa district of Tekirdağ province

Bank's service marketing activities are constantly changing according to the conditions and demands of the day. The reason for this is that in an intense competitive environment, banks have to consider the changing living conditions and desires of consumers. Credit marketing activities are also part of the bank's market activities. Maturity, interest, etc. in retail loans, apart from monetary factors, there are other factors that affect the decision of consumers. Especially with the change in technology, bank branches have reached consumers' pockets with smart phones. Many banking transactions, up to using credit, can be performed with a single click. Consumers care that banks follow these technologies closely and want to perform their transactions quickly and without error. Apart from these, consumers trust the bank, the image of the bank, etc. Many factors such as, affect the bank preferences of consumers in using credit. Briefly, banks should consider many factors while marketing their loans to consumers. In this study, it has been tried to determine which factors are more important in the choice of banks in the use of credit by the consumers through the questionnaires. As a results, it was concluded that factors such as the consumers' ability to take the loan easily while taking out loans from the bank, interest, maturity and expenses are of great importance in the choice of banks. The least influential factors in consumer credit utilization are the internal and external appearance of the bank, the bank's advertisements, and the recommendations of friends, family and relatives. Keywords:Consumer, bank, consumer credit, Tekirdağ