“…The financial service institutions are one of those sectors where WOM is reported to have a tremendous potential to reach out to customers (Choudhury, 2014). Various factors including customer satisfaction and service quality have been researched to identify their relationship with WOM (Alrwashdeh et al, 2020;Anderson, 1998;Ashtiani & Iranmanesh, 2012;Choudhury, 2014;Salehnia et al, 2014;Rajaobelina et al, 2021). Literature suggests that WOM is a two-tiered phenomenon; in the presence of superior quality service it ensures the positive WOM from the customers; however, in the case of low service quality, research suggests, it is likely that customers will engage in negative word of mouth (Chaniotakis & Lymperopoulos, 2009).…”