Service quality evaluation in internet banking: an empirical study in India

Mohammed Sadique Khan, Siba Sankar Mahapatra and Sreekumar

International Journal of Indian Culture and Business Management, 2009, vol. 2, issue 1, 30-46

Abstract: This study aims at evaluating the service quality of internet banking (i-banking) services in India from customer's perspective. A structured questionnaire containing 44 quality items is administered to various target groups. Seven quality dimensions, viz. reliability, accessibility, user-friendliness, privacy/security, efficiency, responsiveness and fulfilment, are identified based on principal component factor analysis. Demographic analysis of data reveals that gender is hardly a bias for use and evaluation of service quality of i-banking in most of the cases across various categories of customers. A valid mathematical model is proposed to assess the overall service quality using regression analysis. The results show that customers are satisfied with quality of service on four dimensions such as reliability, accessibility, privacy/security, responsiveness and fulfilment, but least satisfied with the 'user-friendliness' dimension. The empirical findings not only prioritise different parameters but also provide guidelines to bankers to focus on the parameters on which they need to improve.

Keywords: e-banking; internet banking; i-banking; customer perspective; service quality; online banking; India; mathematical modelling; reliability; accessibility; user-friendliness; privacy; security; efficiency; responsiveness; fulfilment; principal component analysis; PCA. (search for similar items in EconPapers)
Date: 2009
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Citations: View citations in EconPapers (12)

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