The final step of developing a market segmentation strategy is positioning. This is arguably the
most challenging marketing strategy since it is based on the consumer's perception. TD focuses on
always finding a better way, adapting, and reinventing themselves to add value for their customers. It
follows an Omni strategy, which is an approach in sales that provides customers with a fully integrated
shopping experience by uniting user experiences from brick-and-mortar to mobile browsing and
everything in between. (cite)
The TD credit card market positions based on benefits and symbolism.
The first step is to
identify their competition (RBC) and offer more. Second step is to focus on the larger markets.
Working
adults are more likely to use credit cards than students.
The third step would be to identify the
competitor's position, for example RBC's slogan is to "make somebody happy". One of the strongest
strategies that banks use, is always putting its customers first
. Although this is something expected
from any company, TD goes the extra mile to ensure that its customers are satisfied. They go as far as
providing their customers with the best-trusted advisor to guide them through life's important financial
decisions. (cite) Besides already being a well-known bank, their ability to provide for their customers
results in many loyal customers and goes to show how they do things differently.
The fourth step is to determine consumers preferences. TD provides credit cards for everyone.
The benefits that come with TD credit cards include automatically paying bills, adding additional
cardholders, fraud alerts, being able to manage on the TD app, and TD's "unexpectedly human"
approach to providing for their customers. (cite)
This means in terms of consumer preferences TD has
an upper hand. This brings us to our fifth step, selecting a position. In terms of credit card market, it's
safe to say an adult who works full time is more likely to have a good credit score compared to a
student who works part time. TD credit card market positions to fulfill adult needs rather than
student, this means offering low interests and travel rewards. The final step is motoring the position.
It's dangerous for company's to just stick to their position without being open to reposition since
competitors are always innovating. Therefore, TD must always add newer ways for customers to feel
secure since that is their strongest suit and if they fail to do so, they will lose their loyal customers.
The fourth step is to determine consumers' preferences. TD provides credit cards for
everyone.
The benefits that come with TD credit cards include automatically paying bills, adding
additional cardholders, fraud alerts, being able to manage on the TD app, and TD's "unexpectedly
human" approach to providing for their customers. (cite)
This means in terms of consumer preferences
TD has an upper hand. This brings us to our fifth step, selecting a position. In terms of the credit card
market, it's safe to say an adult who works full time is more likely to have a good credit score
compared to a student who works part-time. TD credit card market positions to fulfill adult needs
rather than students, this means offering low interests and travel rewards. The final step is motoring
the position. It's dangerous for companies to just stick to their position without being open to
repositioning since competitors are always innovating. Therefore, TD must always add newer ways for
customers to feel secure since that is their strongest suit and if they fail to do so, they will lose their
loyal customers.