Service quality and its effect on customer satisfaction in online-banking
: A quantitative study about the relationship between service quality and customer satisfaction

  • Oliver Bacetic
  • Adam Persson

    Student thesis: Bachelor

    Abstract

    The continuous development and expansion of online-banking have significantly changed the way of conducting banking errands. The traditional bank is gradually perishing as online-banking takes over, leading customers and banks to acquire new ways of communicating. Self-service technology and customer needs have changed the relationship between banks and their customers from physical to digital. Online-banking relationships were established to create interest for long-term relations to avoid the cost of acquiring new customers.

    How service quality factors within online-banking affect customer satisfaction have become relevant to study as it contributes to a bank’s performance. Where the performance increases the chances of competitive advantages such as a bigger market share and long-term success in the banking industry.

    The purpose of this thesis is to explain how service quality within online-banking affects customer satisfaction, using service quality factors from the e-SERVQUAL, SSTs and TAM. A quantitative method based on relevant theories were used through a positivistic and a deductive research approach in order to test the study hypotheses. The result of this study is based on 110 respondents. The result presents a positive relationship between service quality and customer satisfaction, as Technology and Fulfilment contributed the most and Reliability the least to customer satisfaction.

    Date of Award2018-Dec-05
    Original languageEnglish
    SupervisorHeléne Tjärnemo (Supervisor), Christian Koch (Examiner) & Marina Jogmark (Examiner)

    Educational program

    • Degree of Bachelor of Science in Business and Economics

    Courses and Subjects

    • International business and marketing

    University credits

    • 15 HE credits

    Swedish Standard Keywords

    • Economics and Business (502)

    Keywords

    • customer satisfaction
    • service quality
    • e-servqual
    • ssts
    • tam

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