A Customer-Oriented Approach for Determining Market Structures
提出基于顾客对使用替代性感知的市场分析框架，在金融服务业中验证了消费情境对产品偏好的影响，并指出层级聚类可能产生误导。
A framework for market analysis based on customer perceptions of substitutability-in-use is presented. An empirical application in the financial/banking services market is used to illustrate that when product preferences are dependent on the use/consumption context (especially relevant when products have multiple uses), situational variables can help predictive ability, and hierarchical clusters (requiring exclusive group membership) may be misleading. Additionally, it is shown that interactions among situation, product, and person factors may be more managerially meaningful than the main effects.