.Alfansi, L. & Sargeant, A. (2000). Market segmentation in the Indonesian banking sector: the relationship between demographics and desired customer benefits .International Journal of Bank Marketing,18(2), 64-74
Anderson, W., Cox, E., & Flucher, D. (1976). Bank selection decisions and market segmentation. Journal of Marketing, 40(January), 40-45.
Beane, T.P. and Ennis, D.M. (1987), “Market segmentation: a review”, European Journal of Marketing, Vol. 21 No. 5, pp. 20-42.
Cermak, Dianne S.P., Karen Maru File and Russ Alan Prince (1994) “A Benefit Segmentation of the Major Donor Market,” Journal of Business Research, Vol. 29, pp.121-130.
Griffin, Abbie and Hauser, John R. (1993) “The Voice of the Customer,” Marketing Science, Vol. 12, No. 1, pp.1-27.
Hyejune Park, Chae-Mi Lim, Vertica Bhardwaj, Youn-Kyung Kim, (2011),"Benefit segmentation of TV home shoppers", International Journal of Retail & Distribution Management, Vol. 39 Iss: 1 pp. 7 – 24.
Hyun-Hee p. & Sullivan p. (2009), “Market segmentation with respect to university students clothing benefits sought: shopping orientation clothing attribute evaluation and brand repatronage”, International journal of Retail & Distribution Management, Vol. 37, Issue 2.
Johnson, R., & Sullivan, A. (1981). Segmentation of the Consumer Loan Market. Journal of Retail Banking (September), 1-7.
Lautman, Martin R. (1991) “End-Benefit Segmentation and Prototypical Bonding,” Journal of Advertising Research, Vol. 31, No. 3, pp.9-18.
Maloney, John C. (1961) “Marketing Decisions and Attitude Research,” in Effective Marketing, George L. Baker Jr. ed. Chicago IL: American Marketing Association.
McDougall, G., & Levesqu, T. J. (1994). Benefit Segmentation Using Service Quality Dimensions: An Investigation in Retail Banking. The International Journal of Bank Marketing, 12, 15-23.
Minhas, R. S., & Jacobs, E. M. (1996). Benefit segmentation by factor analysis: an improved method of targeting customers for financial services The International Journal of Bank Marketing, 14, 3-13.
Park, H. and Lim, C. and Bhardwaj, V. and Kim, Y. (2011), “Benefit Segmentation of TV Home Shoppers”,International Journal of retail & Distribution Management, Vo. 39, No.1,2011,pp.7-24.
Peltier, J.W. and Schribrowsky, J.A. (1992), “The use of need-based segmentation for developing segment-specific direct marketing strategies”, Journal of Direct Marketing, Vol. 7 No. 3, pp. 44-53.
Segal, N.M. &Giacobbe W.R. (1994), “Market segmentation and competitive analysis for supermarket retailing”, International Journal of Retailing & Distribution Management, Vol. 22, No. 1, 1994, pp. 38-48.
Speed, R., & Smith, G. (1992). Retail Financial Services Segmentation. The Service Industries Journal, 12(3), 368-383.
Stafford, M. (1996). Demographic discriminators of service quality in the banking industry. Journal of Services Marketing, 10, 6-22.
Weinstein, Art (1987) Market Segmentation, Chicago, Illinois, p.124-126.
Wilkie, W. (1994), Consumer Behavior, 2nd ed, Wiley, New York, NY. Yang, L. and Duan, Y. (2010), “Research on culture-based model of TV home shopping development”, Information Technology Journal, Vol. 9 No. 4, pp. 698-703.
Wind, Y. (1978).Issues and advances in segmentation research. Journal of Marketing Research, 15,317-337.
Wu, S.I. (2001), “Benefit Segmentation: An Empirical Study for On-Line Marketing”, Asia Pacific Journal of Marketing and Logistics, Vo. 13, No. 4, 2001