ASSESSING THE E-SERVICES OF THE BANKING SECTOR BY USING E-SERVQUAL MODEL: A COMPARATIVE STUDY OF LOCAL COMMERCIAL BANKS AND FOREIGN BANKS IN PAKISTAN

Sara Javed (sarawarraich@outlook.com), Md.salamun Rashidin and Bin Li
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Sara Javed: University of International Business and Economics (UIBE) Beijing, China
Md.salamun Rashidin: University of International Business and Economics (UIBE) Beijing, China
Bin Li: University of International Business and Economics (UIBE) Beijing, China

Journal of Internet Banking and Commerce, 2018, vol. 23, issue 01, 01-12

Abstract: The aim of the present study is twofold; firstly, to measure the differences in e-services of foreign and local commercial banks and secondly, to find out the critical dimension of e-SERVQUAL for online banking. The study used comparative approach; local commercial and foreign banks in Pakistan. For this purpose, the study targeted local (MCB and HBL) and foreign (Standard Charted and Alfalah) banks. A total of 195 responses were received through a mean of questionnaire based on a five - point Likert scale from Sahiwal. The study performed reliability analysis, regression and Pearson chi-square. The reliability of all dimensions was tested with a Cronbach alpha that was greater than.7. The results of the chi-square showed that no difference is found with respect to any dimension in e-services of both local and foreign banks in Pakistan. The findings of the regression analysis showed that e-service quality was affected by 66.2% due to dimensions of e-SERVQUAL. The "reliability" and "privacy" have highest impact on e-service quality than all other dimensions, so banks should pay more attention on these dimensions because that is critical to online banking.

Keywords: Online Banking; Customer Satisfaction; e-Service Quality (search for similar items in EconPapers)
JEL-codes: A11 (search for similar items in EconPapers)
Date: 2018
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