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Customer satisfaction in the digital era: evidence from Islamic banking

机译:数字时代的客户满意度:来自伊斯兰银行的证据

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Purpose Based upon an extended SERVQUAL model, this paper attempts to contribute to the Islamic banking literature by examining the impact of digitalization, as a service quality dimension, on customer satisfaction. Design/methodology/approach Two dimensions, i.e., digitalization and compliance, are added to the existing SERVQUAL model of five dimensions. Results are drawn from a self-completed survey of a convenience sample of 145 Tunisian Islamic bank customers for the year 2018. Factor analysis and regression analysis are used to determine factor structure and determine the impact of service quality dimensions, especially digitalization, on customer satisfaction in Islamic banking. Findings The factor analysis extracted five dimensions of service quality, i.e., confidence, compliance, digitalization, tangibles, and human skills. The paper demonstrates a positive and significant relationship between the main dimensions of customer service quality and customer satisfaction, except for tangibles. Research limitations/implications Although the outcomes lend support to the extended SERVQUAL model, the results are derived based on a relatively average sample size in one country (Tunisia). It might also be useful to enlarge the study sample for better generalization of the findings in other countries and include a comparison between Islamic versus conventional banking about service quality and customer satisfaction. Moreover, we can applicate another original method for the Measuring and Implementing Service Quality like the multicriteria method dubbed (MUSA). Managerial implications To remain competitive, Tunisian Islamic banks need to pay attention to the way the services are delivered and not take it for granted that customers are only focusing on compliance. Dealing henceforth with Generation Y customers, they must persevere in bringing their customer service into the digital era. Originality/value This study is one of the few which tries to investigate the drivers of customer satisfaction for Islamic banks in a Digital Era. It reveals that although customers pay special attention to Sharia laws, the way services are delivered matters to them too. From now on, digital banking must appear among the Islamic bank features to stay relevant in the Digital Era.
机译:目的基于扩展的ServQual模型,本文试图通过检查数字化的影响,作为服务质量维度,根据客户满意度的影响促进伊斯兰银行文献。设计/方法/方法两个维度,即数字化和合规性,添加到现有的五个维度的ServQual模型中。结果是从2018年145个突尼斯伊斯兰银行客户的便利样本进行了自我完成的调查。因素分析和回归分析用于确定因子结构,并确定服务质量维度,尤其是数字化对客户满意度的影响在伊斯兰银行。结果发现因子分析提取了五个维度的服务质量,即信心,遵守,数字化,切屑和人类技能。本文展示了客户服务质量和客户满意度的主要维度与贴手的主要关系。研究限制/影响虽然结果借给扩展的ServQual模型的支持,结果是基于一个国家(突尼斯)中相对平均的样本大小来源的结果。扩大研究样本可能还有用的是为了更好地概括其他国家的调查结果,并包括伊斯兰与常规银行之间的比较关于服务质量和客户满意度。此外,我们可以为测量和实施服务质量的方式应用另一种原始方法,如被称为多轨道方法(Musa)。管理的影响保持竞争力,突尼斯伊斯兰银行需要注意服务的交付方式,而不是认为客户只关注遵守。从此以来为y客户发放,他们必须坚持不懈地将客户服务带入数字时代。本研究的原创性/值是少数人试图调查数字时代伊斯兰银行客户满意度的驱动因素之一。它揭示了虽然客户特别关注伊斯兰教法,但服务的方式也向他们提供了问题。从现在开始,数字银行必须出现在伊斯兰银行功能中,以便在数字时代保持相关。

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