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Re-examining traditional service quality in an e-banking era
Journal article   Peer reviewed

Re-examining traditional service quality in an e-banking era

D.H. Wong, N. Rexha and I. Phau
International Journal of Bank Marketing, Vol.26(7), pp.526-545
2008
DOI: https://doi.org/10.1108/02652320810913873
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Abstract

Customer services quality Marketing strategy Financial services Virtual banking Electronic commerce Banking
Purpose This paper aims to re‐examine the role of traditional service quality in an e‐banking environment by providing a review of how traditional service quality perceptions have evolved through the current and continuing stream of change in banking technology and the corresponding changes in the nature of how banks interact with their customers. Design/methodology/approach Data were collected from a mail survey sent out to a commercially purchased mailing list of 2,500 business names and addresses. The overall usable response rate was 30.6 per cent. Quadrant analysis was performed on the service quality dimensions from the SERVQUAL scale. Findings While the importance ranking of the five SERVQUAL dimensions has not changed dramatically over the years, large discrepancies were found between customer expectations and their perceived performance of traditional banking services. Practical implications Quadrant analysis produced specific recommendations on how banks should prioritise the allocation of their resources to maintain high perceived service quality in their human interactions. Originality/value This is the first study which revisits and re‐examines traditional service quality in the e‐banking era. It highlights how high levels of traditional service quality may lead to increased customer trust and thus more successful cross‐selling of e‐banking products to customers.

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