App service: How do consumers perceive the quality of financial service apps on smart devices?
Emily Treen (),
John Bredican and
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Emily Treen: Simon Fraser University
Leyland Pitt: Simon Fraser University
John Bredican: Royal Institute of Technology (KTH)
Mana Farshid: Luleå University of Technology
Journal of Financial Services Marketing, 2017, vol. 22, issue 3, 119-125
Abstract Apps on smart devices such as phones and tablets have enabled financial services firms not only to provide greater convenience and flexibility to customers, but also to get them to do a lot of the work entailed in these services. This has changed the character of service in many ways, including the nature of service quality where service is no longer delivered by people, but by means of technology. The study reported here used an amended version of the SERVQUAL instrument to assess consumers’ perception of the quality of the service delivered by the apps of their financial services providers. Three dimensions of app service quality emerge: reliability, personal and visibles. Generally, consumers are reasonable satisfied with the quality of service provided by their financial apps and prefer them to visits to service providers physical locations and rate them as highly as online service provision on PCs or laptops. Limitations are acknowledged, managerial implications drawn and avenues for future research are identified.
Keywords: Service quality; SERVQUAL; Application service quality; Financial application; Banking app; Banking services (search for similar items in EconPapers)
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