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A Conceptual Framework For Understanding Customer Satisfaction in Banking Sector: The Mediating in Uence of Service Quality and Organisational Oath
A Conceptual Framework For Understanding Customer Satisfaction in Banking Sector: The Mediating in Uence of Service Quality and Organisational Oath
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ABSTRACT
With the economic intensification of a country is on accelerating mode, role of banking industry is also
important in this growth. In a hyper-competitive market all commercial banks in Bangladesh are faced
with challenges of retaining the existing and attracting new customers. The aim of the research is to
take the opinions of different peoples in Rajshahi city, Bangladesh about the service quality in different
commercial banks. Samples of 51 customers who have their bank account with different commercial
banks having operations in Rajshahi city are selected on convenience basis. This paper presents an
original survey in the banking sector of Rajshahi City, Bangladesh. To achieve the main goal of the
research, the authors of the paper developed questionnaire designed for bank clients. After going for
long analysis we have found that five factors playing important role in order to make customer happy
regarding the banking services. Therefore, customer satisfaction is the key for many banks to stay alive
in competition.
the cost of attracting a new customer is much higher than the and asymmetry relationship among the characteristics of
cost of keeping existing one. Thus, customer satisfaction and performances and customers‟ overall satisfaction. In
loyalty are essential to bank’s success. Customer loyalty is a essence, their finding shows disparity between the results
major contribution to sustainable profit growth. obtained using the tradition and revised
methodology.Prabhakaran and Satya (2003) mentioned
SIGNIFICANCE OF THE STUDY that the customer is the king. Heskett et al. (1997) argued
Convalescing service quality has being the most important that profit and growth are stimulated primarily by
goal of service industries for the past three decades, most customer loyalty. Ndubisi (2005), Gee et al. (2008) and
especially when studies have linked customer satisfaction Pfeifer (2005) pointed out that the cost of serving a loyal
with good service quality. This is true, on the whole, in customer is five or six times less than a new customer.
commercial banking where there is petite or no segregation Several researchers including Tariq and Moussaoui
of the products offered. The alternative means of retaining- (2009), Han et al. (2008) and Ehigie (2006) found that
expanding the customer base is to enlarge the quality of loyalty is a direct outcome of customer satisfaction.
services provided to uphold customer satisfaction. Generally speaking, if the customers are satisfied with the
Sustaining customer satisfaction is very crucial to banks provided goods or services, the probability that they use
incessant existence since no bank can linger in business the services again increases (East, 1997). Also, satisfied
without loyal customers. Researchers have enumerated the customers will most probably talk enthusiastically about
benefits of customer loyalty as a result of their satisfaction their buying or the use of a particular service; this will
in the quality of services obtained from their service lead to positive advertising (File and Prince, 1992;
providers. These include augmented profit, decrease in Richens, 1983). On the other hand, dissatisfied customers
service cost, better perceptive of financial affairs and needs will most probably switch to a different brand; this will
of their clients and the chance to cross-sell the old and new lead to negative advertising (Nasserzadeh et al., 2008).
products. Some other benefits are positive words of mouth, The significance of satisfying and keeping a customer in
inclination to pay charged price and proclivity to see one’s establishing strategies for a market and customer oriented
bank as a “relationship” bank. organization cannot be ignored (Kohli and Jaworski,
1990).Levesque and McDougall (1996) studied the
LITERATURE REVIEW determinants of customer satisfaction in retail bank in
Canada. Data was obtained from a survey of 325 church
Customer satisfaction has been considered the essence of
goers. They used 17 items to measure service quality and
success in today’s highly competitive banking industry.
service features on a 7-point Likert scale, ranging from 1,
Different researchers have found the factors which might
strongly disagree to 7, strongly agree.
affect customer satisfaction with respect to commercial
Considering the above literature it is evident that there are
banking in the world.
very few studies conducted in banking sector relating to
Kumar (2013) in his research paper found that a customer
the influence of service quality and organisational oath for
gives highest impotence to reliability dimension. Within
understanding customer satisfaction. Majority of the
that reliability dimension they give more focus on how
previous research point towards that customer satisfaction
banks fulfil their promise and how they show interest to do
can be found by qualitative analysis using critical incidents,
work. From Analysis it was found that a customer gives
focus groups and depth interviews, thus in this regard
second importance to responsiveness of bank employees. It
researcher assume that item generation barely through
includes various criteria like, promptness in giving service,
literature review or responses throughout structured
willingness to help customers etc. Customer gives third
questionnaire would not be adequate. And, furthermore
preference to assurance factor, it include criteria like safety
none of the previous studies performed to determine the
of transaction, consistency in service etc. Abdullah, et al
factors leading to customer satisfaction in commercial
(2011) tested the relationship among the three dimensions
banking speciality in Rajshahi city and this indicates a
of service quality and customer satisfaction in New
research gap in the existing literature regarding the
Zealand. All the three factors, reliability, assurance and
determination of factors for customer satisfaction in
enabling are significant predictors of customer satisfaction
Bangladeshi Banking sector. The phenomenon of customer
in retail banking in New Zealand. Therefore, any policy to
satisfaction in commercial banks, and finding the factors
improve customer satisfaction in retail banking in New
for customer satisfaction in Rajshahi city in particular, has
Zealand will know what to target and according to what
not yet been studied with the application of extensive
priority, either from the government or the managers of
quantitative analysis. This indicates a research gap in the
these industries. Arbore and Busacca (2009) conducted an
existing literature regarding the influence of service quality
broad study on the determinants of customer satisfaction in
and organisational oath for understanding customer
retail banks by obtaining data from a well-known retail
satisfaction in commercial banking sectors in Bangladesh.
bank in Italy. Using a survey data from 5000 customers,
This leads us to the major objective of the study.
and a revised methodology that deviate from the
traditional approach, they were able to confirm non-linear
those working for less than 5 years; 7.8% for those working (r=0). Bartlett’s Test of Sphericity indicates that
for more than 10 years. According to the above percentages, approximate chi-square value is 390.924 with 105 (df) for
one would conclude (assume) that majority of the sample .000 levels of significance. Hence, the factor analysis is
respondent have got 5-10 years working experience. considers as an appropriate technique.
Table 5: Output of frequency analysis of the Marital Status Table 8: Output of Communalities Extraction Method:
Marital Status Principal Component Analysis
Valid Cumulative Communalities
Frequency Percent
Percent Percent Initial Extraction
Valid Married 48 94.1 94.1 94.1 Bank safety and guarantees 1.000 .896
Single 3 5.9 5.9 100.0 Emotional aspect of service (kindliness and
1.000 .891
Total 51 100.0 100.0 courtesy of bank staff)
From Table 5, it is observed that With regard to marital Service costs 1.000 .796
status, 94.1% is married and 5.9% respondents are single. Qualification of bank employees 1.000 .649
Level of ATM’s network development; Use of
1.000 .626
Table 6: Output of frequency analysis of the Salary innovations; Usability of bank products
Salary Service speed 1.000 .688
Valid Cumulative The level of branch network development 1.000 .768
Frequency Percent
Percent Percent
Spent waiting time in queue 1.000 .700
Valid Below
5 9.8 9.8 9.8 Bank opening hours; Request fulfilment time;
Tk 15000 1.000 .659
Bank reputation
Below
25 49.0 49.0 58.8 Simplicity of information acquisition 1.000 .715
Tk 30,000
Variety of bank offered products and services 1.000 .809
Over
21 41.2 41.2 100.0 Branch environment (technical facilities, interior
40000 1.000 .879
decoration etc.)
Total 51 100.0 100.0
Professional appearance of front office
From the table 6, with regards to the salary, it is evident employees
1.000 .773
that most of the responses received were from employees
Bank participation in social projects 1.000 .678
that have salary level below 15000 Tk, 21% respondent are
between salary level over 40000 Tk, and only 25% Quality of bank 1.000 .767
respondents belongs salary less than 30,000Tk. The above output is a table of communalities which shows
how much of the variance in the variables has been accounted
INFERENTIAL STATISTICAL ANALYSIS for by the extracted factors. For instance over 89% of the
variance in safety and guarantees in Banks is accounted for
Table 7: Output of KMO and Bartlett’s Test
while 79.0% of the variance in service cost is accounted for.
KMO and Bartlett's Test
The next item shows all the factors extractable from the
Kaiser-Meyer-Olkin Measure
of Sampling Adequacy
.676 analysis along with their Eigen values, the percent of
variance attributable to each factor, and the cumulative
Bartlett's Test Approx. Chi-Square 390.924
of Sphericity variance of the factor and the previous factors. It is observed
Df 105
that the first factor accounts for 25.922% of the variance, the
Sig. .000 second 21.328% and the third 11.378%. Excepting the first 5
This table shows the results of Kaiser-Meyer-Olkin components all the remaining factors are not significant.
(KMO) and Bartlett’s test of factors based on the
information collected on selected variables. High values Table 9: Output of Total Variance Explained Extraction
(between 0.50 to 1.0) indicate that factor analysis is Method: Principal Component Analysis
appropriate. Values below 0.50 imply that factor analysis Total Variance Explained
may not be appropriate. KMO measures the Sphericity of Initial Eigenvalues
Extraction Sums
sampling adequacy as an index used to examine the of Squared Loadings
Component
appropriateness of factor analysis. In this case, KMO Total
% of Cumula
Total
% of Cumula
reveals the sampling adequacy indicating (value of 0.50< Variance tive % Variance tive %
KMO<1.0) i.e. 0.676 for selected customer’s using banks 1 3.888 25.922 25.922 3.888 25.922 25.922
facilities in Rajshahi city is appropriate for the same. 2 3.199 21.328 47.249 3.199 21.328 47.249
Bartlett’s Test of Sphericity is a test of statistic used to test 3 1.708 11.387 58.637 1.708 11.387 58.637
the hypothesis that the variables are uncorrelated in the 4 1.451 9.670 68.307 1.451 9.670 68.307
population. The population correlation matrix is an
5 1.049 6.995 75.302 1.049 6.995 75.302
identity Matrix, each variable correlates perfectly with
6 .975 6.502 81.805
itself(r=1) but no correlation with the other variables
Copyright © CC-BY-NC 2014, Asian Business Consortium 42 | P a g e
American Journal of Trade and Policy, Volume 1, Number 3/2014 (Issue 3)
ISSN 2313-4747 (Print); ISSN 2313-4755 (Online) )
Table 13: Model summery of analysis variance variable. And, the beta is measured in units of standard
ANOVA(b) deviation. In this case, Bank safety, guarantees has got
Sum of Mean highest beta value (.794) that means a change of one
Model Squares Df Square F Sig. standard deviation in case of Bank safety; guarantees will
1 Regression 7.520 5 1.504 22.212 .000a result in a change of .794 standard deviations in the
Residual 2.980 44 .068 satisfaction level of customers of commercial banks in
Total 10.500 49 Rajshahi city. Thus the higher the beta value the greater the
a. Predictors: (Constant), Branch environment (technical impact of the predictor variable on the criterion variable.
facilities, interior decoration etc.), Bank safety, guarantees, Table 15: Model summery of Residuals Statistics
Bank opening hours; Request fulfillment time; Bank
Residuals Statistics (a)
reputation, Service speed, Service costs
Std.
b. Dependent Variable: Quality of bank products Minimum Maximum Mean Deviation N
What we do see here from the above table is the F-test Predicted Value 2.91 4.10 3.70 .392 50
outcome that we mentioned earlier as giving a measure of Residual -.897 .819 .000 .247 50
the absolute fit of the model to the data. Here, the F-test Std. Predicted Value -2.020 1.014 .000 1.000 50
outcome is highly significant, so the model does fit the Std. Residual -3.449 3.148 .000 .948 50
data. A straight line, depicting a linear relationship,
a. Dependent Variable: Quality of bank products
described the relationship between these selected variables.
Bank reputation N 50 50 50 50 50 50
Service speed Pearson Correlation .277 .292* .199 .381** 1 .137
Sig. (2-tailed) .051 .040 .166 .006 .342
N 50 50 50 50 50 50
Branch environment Pearson Correlation -.089 -.116 -.017 .099 .137 1
(technical facilities, Sig. (2-tailed) .538 .421 .905 .494 .342
interior decoration etc.)
N 50 50 50 50 50 50
**. Correlation is significant at the 0.01 level (2-tailed)
*. Correlation is significant at the 0.05 level (2-tailed)
The results of this study demonstrates all service quality Staff should be effectively skilled to persuade face to
dimensions are positively correlated with customer face dealing.
satisfaction indicating quality banking service as a Staff should be friendly and amicable.
prerequisite for having a satisfied customers. According Clearly defined customer policy should be espoused
to the correlation result, Bank safety and guarantees are by the banks
the dominant determinants of customer satisfaction. This Customer’s needs have to be anticipated in advance
point out that commercial banks should compulsory so that they can be helped out in a better way.
initialize condition of caring, individualized concentration Treat your customers like your acquaintances and
given to the customers. Moreover, administrator should they'll always come back.
persuade service recovery and problem solving attitude
prevailing in their banks. CONCLUSION
The positive significant coefficient for customer satisfaction
The main objective of this work is to get an insight into
and Service costs relationship suggests higher customers
the quantitative parameters of customer satisfaction by
have significant concern over the increasing service cost in
assessing the service quality dimensions that determine
private commercial banks. Therefore organizations should
customer satisfaction in selected commercial banks in
always strive to ensure that their customers are very
Rajshahi city. We have selected 15 influencing variables
satisfied regarding different service cost. Moreover, Bank
initially. After going for long analysis we have found that
opening hours, request fulfilment time and Bank
five factors playing important role in order to make
reputation is potentially one of the most powerful weapons
customer happy regarding the banking services. From the
that financial institutions to gain a strategic advantage and
findings, all the indicators used to measure the constructs
survive in today’s ever-increasing competitive
are all statistically significant based on the survey
environment. Moreover, banks need to develop strategies
responses. Thus, we conclude that the indicators are good
that enhance loyalty of their customers.
measure of the constructs.
Basically, this study has done three things. The first was the
POLICY IMPLICATIONS AND SUGGESTION
profiling of the socio-economic characteristics of the
This study has a number of repercussions for the commercial respondents, using descriptive statistics. Our findings
banks in Rajshahi city. It has not only acknowledged the show that males are the majority of the respondents; they
proportions of service quality that include customer are of average age of between 30-40 years, highly educated
satisfaction, but also how significant each of these indicators with various types of occupations. Most of them (64.7%)
is to their dimensions according to the customers‟ insight”. have more than 5 years experience with their profession.
Therefore, any policy to advance customer satisfaction in The second achievement of this study is the establishment
Commercial banking in Bangladesh will know what to of measurement model for customer satisfaction in
target and according to what priority, either from the commercial banks. All the items included in the
government or the managers of these industries. However, it measurement scale with the exception of one were good
should be noted that more studies need to be done to measures of their corresponding constructs.
authenticate this findings, in particular with a larger sample Finally, the study tested the relationship among the five
size. Further studies that will assess this finding across the dimensions of satisfaction and banks quality. All the five
demographic variables and bank ownership are also factors, Service costs, Bank safety, guarantees, Bank
recommended for the good of commercial banks in opening hours; Request fulfilment time; Bank reputation,
Bangladesh. Thus researcher recommend following issues: Service speed, Branch environment (technical facilities,
The staff should be effectively trained and skilled to interior decoration etc.) are significant predictors of
deal with the customer on one to one basis. customer satisfaction in commercial banking in Rajshahi
Banks need to perk up their infrastructure to have city. However, the finding of this study should be taken
speed with the challenging environment. with caution and more studies are needed to validate the
Many of the services desires upgrading e.g., ATM finding especially with large samples.
amenities.
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