This paper seeks to identify the priority of factors affecting the quality of banking services in Bank Saderat Iran for better allocation of resources to enhance the quality of its banking services. The study develops a fuzzy method to handle uncertainty associated with the data and using analytical network process (ANP) ranks different factors influencing on service quality. The results have indicated that the quality of e-services (ESQ) is the most important factor followed by the quality of banking services agility (ASQ), the service system quality (SSQ), and the behavioral service qualities (BSQ). Moreover, the employees' competence and skills, the reliability of the electronic system and the reliability of the service system, an impeccability banking system integrity and accountability instruments are among other effective factors influencing on the quality of banking services.
Studies have shown that in service organizations, quality can have a growth in customer satisfaction as its consequence, and when it regards the banking services, factors are brought up with regard to the quality of banking services, which include the speed in responding, providing products proportionate to the customer needs, and gaining competence. These concepts are shared by the issue of organizational agility; hence, the qualities as well as the bank's agility of the banking system embrace these concepts in common. Therefore, the study aims at studying the effect of the quality of electronic banking services on the bank's agility, and assesses the role of two mediator variables of the quality of service system and personnel behavior quality. Using a questionnaire comprised of 76 items about the above components and asking the line personnel in Bank Saderat Iran (BSI) in the branches both inside and outside of Iran, the research data was collected, and stratified random sampling was used. To analyze the data, the Structural Equation Model (SEM) was used and the PLS software was employed to perform the computations. Results indicated that the model of the study has a high Goodness of Fit, and the quality of the electronic banking services had a significant effect on the bank's agility. In addition, the quality of electronic banking services affects the service system quality. The system service quality, also affects the employees' behavior. Therefore, it can be said that the electronic services quality and the bank's agility affect the personnel behavior quality through the mediated effect of the service system quality. The results of the present study can help the bank's executives to promote their bank's agility and the personnel behavior quality.
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