Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction
Purpose – This study aims to empirically explore e-banking service quality and its impact on the e-banking loyalty through a mediating impact of e-banking satisfaction. The account holders of three domestic systemically important banks of Pakistan were surveyed during COVID-19 to examine the electro...
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| Format: | Article |
| Language: | English |
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Emerald Publishing
2020-12-01
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| Series: | Vilakshan (XIMB Journal of Management) |
| Subjects: | |
| Online Access: | https://www.emerald.com/insight/content/doi/10.1108/XJM-07-2020-0039/full/pdf?title=impact-of-e-banking-service-quality-on-e-loyalty-in-pandemic-times-through-interplay-of-e-satisfaction |
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| author | Inzamam Ul Haq Tahir Mumtaz Awan |
| author_facet | Inzamam Ul Haq Tahir Mumtaz Awan |
| author_sort | Inzamam Ul Haq |
| collection | DOAJ |
| description | Purpose – This study aims to empirically explore e-banking service quality and its impact on the e-banking loyalty through a mediating impact of e-banking satisfaction. The account holders of three domestic systemically important banks of Pakistan were surveyed during COVID-19 to examine the electronic services provided by these banks. Design/methodology/approach – The data was collected through an adapted questionnaire by using emails and messaging applications. The database of a local marketing company in Pakistan was used, and 976 responses were included in the analysis. The structured equation modeling was used to test the propositions of study. Findings – The findings delineate that reliability and website design proved to increase e-banking loyalty, particularly during COVID-19. The link between e-banking privacy and security and e-banking loyalty was proved as fully mediated by e-banking satisfaction; however, indirect effect of the reliability and website design with e-banking loyalty was partially mediated. Practical implications – In strategic planning of e-banking mechanisms and the associated consumer behavior, the results of this study can be helpful for policymakers. In case of similar epidemics and natural calamities, consumers may depict similar behavior as shown during the lockdown and social distancing during COVID-19; hence, the study can help regulatory bodies in preparing their safety roadmap. Originality/value – The mediating effect of e-banking satisfaction between privacy & Security and e-banking loyalty implies that customer give importance to secure e-banking platforms. There can be a variation in their loyalty because of privacy concerns. The application of cognitive–motivational–relational (CMR) theory in a relationship between e-banking service quality and e-banking loyalty with a mediating role of satisfaction is an emotional response to capture the behavioral changes during COVID-19. It enables researchers to understand the CMR theory concerning COVID-19 and e-banking perspective. |
| format | Article |
| id | doaj-art-a54a6b201b774efdae6e7c2b2cff8802 |
| institution | Kabale University |
| issn | 0973-1954 |
| language | English |
| publishDate | 2020-12-01 |
| publisher | Emerald Publishing |
| record_format | Article |
| series | Vilakshan (XIMB Journal of Management) |
| spelling | doaj-art-a54a6b201b774efdae6e7c2b2cff88022025-01-02T17:41:17ZengEmerald PublishingVilakshan (XIMB Journal of Management)0973-19542020-12-01171/2395510.1108/XJM-07-2020-0039652958Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfactionInzamam Ul Haq0Tahir Mumtaz Awan1Department of Management Sciences, COMSATS University Islamabad, Islamabad, PakistanDepartment of Management Sciences, COMSATS University Islamabad, Islamabad, PakistanPurpose – This study aims to empirically explore e-banking service quality and its impact on the e-banking loyalty through a mediating impact of e-banking satisfaction. The account holders of three domestic systemically important banks of Pakistan were surveyed during COVID-19 to examine the electronic services provided by these banks. Design/methodology/approach – The data was collected through an adapted questionnaire by using emails and messaging applications. The database of a local marketing company in Pakistan was used, and 976 responses were included in the analysis. The structured equation modeling was used to test the propositions of study. Findings – The findings delineate that reliability and website design proved to increase e-banking loyalty, particularly during COVID-19. The link between e-banking privacy and security and e-banking loyalty was proved as fully mediated by e-banking satisfaction; however, indirect effect of the reliability and website design with e-banking loyalty was partially mediated. Practical implications – In strategic planning of e-banking mechanisms and the associated consumer behavior, the results of this study can be helpful for policymakers. In case of similar epidemics and natural calamities, consumers may depict similar behavior as shown during the lockdown and social distancing during COVID-19; hence, the study can help regulatory bodies in preparing their safety roadmap. Originality/value – The mediating effect of e-banking satisfaction between privacy & Security and e-banking loyalty implies that customer give importance to secure e-banking platforms. There can be a variation in their loyalty because of privacy concerns. The application of cognitive–motivational–relational (CMR) theory in a relationship between e-banking service quality and e-banking loyalty with a mediating role of satisfaction is an emotional response to capture the behavioral changes during COVID-19. It enables researchers to understand the CMR theory concerning COVID-19 and e-banking perspective.https://www.emerald.com/insight/content/doi/10.1108/XJM-07-2020-0039/full/pdf?title=impact-of-e-banking-service-quality-on-e-loyalty-in-pandemic-times-through-interplay-of-e-satisfactione-banking service qualitye-banking satisfactione-banking loyaltycmr theorycovid-19domestic-systemically important banksdomestic systemically important bankse-banking loyaltye-banking satisfactione-banking service quality |
| spellingShingle | Inzamam Ul Haq Tahir Mumtaz Awan Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction Vilakshan (XIMB Journal of Management) e-banking service quality e-banking satisfaction e-banking loyalty cmr theory covid-19 domestic-systemically important banks domestic systemically important banks e-banking loyalty e-banking satisfaction e-banking service quality |
| title | Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction |
| title_full | Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction |
| title_fullStr | Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction |
| title_full_unstemmed | Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction |
| title_short | Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction |
| title_sort | impact of e banking service quality on e loyalty in pandemic times through interplay of e satisfaction |
| topic | e-banking service quality e-banking satisfaction e-banking loyalty cmr theory covid-19 domestic-systemically important banks domestic systemically important banks e-banking loyalty e-banking satisfaction e-banking service quality |
| url | https://www.emerald.com/insight/content/doi/10.1108/XJM-07-2020-0039/full/pdf?title=impact-of-e-banking-service-quality-on-e-loyalty-in-pandemic-times-through-interplay-of-e-satisfaction |
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