scholarly journals The perception of quality of banking services in the northern part of the Autonomous Province of Kosovo and Metohija

2020 ◽  
pp. 373-389
Author(s):  
Isidora Ljumovic ◽  
Krsto Jaksic
Keyword(s):  
Factor Analysis ◽  
Financial Resources ◽  
Quality Of Services ◽  
Banking Services ◽  
Five Dimensions ◽  
Service Companies ◽  
Basic Model ◽  
Perception Of Quality ◽  
Autonomous Province

The research on the perception of the quality of services is of crucial importance for the growth and development of service companies. However, the problem arises in the analysis and measurement of the level of quality of services, bearing in mind their intangibility, simultaneous production and consumption and homogeneity. This paper examines the perception of service quality of banks in northern Kosovo and Metohija, in respect to the specificities of the region. The survey was conducted using a questionnaire based on original SERVQUAL model that contains 22 questions grouped in five dimensions. To identify additional indicators of quality perception, we have expanded the basic model and added additional questions related to the price and the availability of financial resources. The average result on the perception of the quality of banking services was between 3.72 and 5.61, similar to results obtained in the region, using same methodology. The results show that the lowest assessed dimensions are empathy, availability and price of banking services, while tangibles are the ones customers are satisfied the most. To confirm that the added questions relate to the defined quality dimensions and to identify the factors that are most suitable in explaining the level of satisfaction with banking services, we have conducted factor analysis. Factor analysis results reduced the number of dimensions to six but showed that added questions were grouped around the dimensions that were added - prices and availability of financial resources.

scholarly journals Digital Banking in Northern India: The Risks on Customer Satisfaction

Risks ◽  
2021 ◽  
Vol 9 (11) ◽  
pp. 209
Author(s):  
Balijinder Kaur ◽  
Sood Kiran ◽  
Simon Grima ◽  
Ramona Rupeika-Apoga
Keyword(s):  
Customer Satisfaction ◽  
Structural Equation ◽  
Banking Sector ◽  
Service Providers ◽  
Quality Of Services ◽  
Banking Services ◽  
Five Dimensions ◽  
Customer Expectations ◽  
Northern India

The widespread use of digital technologies and the current pandemic (COVID) have fueled the need and call for digital transformation in the banking sector. Although this has various benefits, it is a disruption to the norm to which a bank customer has to become accustomed. This variance means that customers would have to make some changes to their routine. This can constitute risks in terms of maintaining customer satisfaction at previous levels. These risks are associated with customer retention because a service or product needs to be aligned with customer expectations to avoid them switching to other service providers. Moreover, it can also have an effect on reputation. Offering digital account opening or remote deposits may not satisfy customers; competitive advantage depends on many aspects such as providing a hassle-free, personalized and cyber-secure experience, economic aspects and the needs of the society at large. Therefore, there is a need to understand the intensity of the risk factors that influence customer satisfaction for digitalized banking services and products. To do this, we carried out a structured survey, framed on the five dimensions of the SERVQUAL model, which was sent out to Northern Indian banking customers, to which we received 222 valid responses. We subjected the data received to Structural Equation Modelling using the SmartPLS version 3 application software. Results reveal that digital banking customers in Northern India are genuinely satisfied with the quality of services provided by digital banking. Moreover, ‘reliability’ has the strongest risk factor impact on customer satisfaction, followed by ‘tangibility’ and ‘responsiveness’.

Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

2020 ◽  
Vol 3 (2) ◽  
pp. 170
Author(s):  
Herdian Ayu Andreana Beru Tarigan ◽  
Darminto Hartono Paulus
Keyword(s):  
Information Technology ◽  
Financial Services ◽  
Banking Industry ◽  
Service Innovation ◽  
Quality Of Services ◽  
Legal Research ◽  
Banking Services ◽  
Services Sector ◽  
Financial Services Sector

<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>

Allocation and Use of Financial Resources in Health Care in Kyrgyzstan

2017 ◽  
Author(s):  
Damira Japarova
Keyword(s):  
Current Method ◽  
Poor Quality ◽  
Financial Resources ◽  
Quality Of Services ◽  
Healthcare Organizations ◽  
State Hospitals ◽  
Hospitalization Rates ◽  
Single Payer ◽  
Distribution Of Resources

TThe distribution of the limited financial resources in the state hospitals in Kyrgyzstan is uneven. The problems associated with the current method of distribution of resources: the poor quality of services at the level of polyclinics and high hospitalization rates that require an evaluation of the budget allocation of healthcare organizations operating in the Single Payer system. In order to improve the efficiency of resource use it is suggested to review the principles of allocation of resources to the primary level of patient care.

scholarly journals USE OF INVESTMENT INSTRUMENTS FOR DEVELOPMENT OF WATER SUPPLY AND WASTEWATER SPHERE IN UKRAINE

World Science ◽  
2019 ◽  
Vol 2 (6(46)) ◽  
pp. 30-38
Author(s):  
Oleksandr Ignatenko ◽  
Iryna Krylova
Keyword(s):  
Water Supply ◽  
Statistical Data ◽  
Local Communities ◽  
The State ◽  
Financial Resources ◽  
Quality Of Services ◽  
General Context ◽  
Investment Activity ◽  
Fixed Assets

The article is devoted to the clarification of the peculiarities of the use of investment instruments for the development of the water supply and wastewater sector in Ukraine. The sphere of water supply and wastewater of Ukraine requires significant investments for the renewal of fixed assets of water supply and wastewater enterprises, reconstruction and development of engineering infrastructure, introduction of the latest technologies, improvement of the quality of services, etc. The authors consider the concept of investment, investment activity, investment program in the general context and in the field of water supply and wastewater. The structure of planned volumes of financing of measures of investment programs of water supply and wastewater enterprises in 2018 is being analyzed. Issues of application of other modern financial and economic mechanisms in the field of water supply and wastewater are considered. The article analyzes the state of realization of public-private partnership in the field of water supply and wastewater on the basis of statistical data. Investment approaches based on participative financing, which involves the use of financial resources not only of the state but also of local communities, business and civil society institutions, and financing through the use of opportunities of the market of debt obligations, including at the expense of the issue of municipal securities in the form of bonds of a local loan.

The Evaluation of the Service and Its Impact on Brand Value

2021 ◽  
pp. 175-195
Author(s):  
Danny C. Barbery-Montoya ◽  
Carlos Bautista-Nuques ◽  
Jeaneth P. Wiesner-Mora
Keyword(s):  
English Language ◽  
Language Teaching ◽  
English Language Teaching ◽  
Consumer Perception ◽  
Quality Of Services ◽  
Brand Value ◽  
Initial Model ◽  
High Importance ◽  
Service Companies

For service companies, one of the most difficult challenges to measure is brand value, considering the subjectivity of the service, given by consumer perception. In this way, the objective of this chapter is to know the elements that provide value to the service company's brand. To carry out the study, the authors deepen the concepts of service and brand considering the SERVQUAL and CSI questionnaires, which allow them to obtain indexes of measurement of the quality of services and brand valuation and apply them in the English language teaching institutes in Guayaquil (Ecuador). The results show that five high-importance schools have valuation elements that build their brand with characteristics that differentiate them, but also with others that resemble them. Understanding each of the brands and variables, they propose an initial model that allows analyzing this industry in which elements relevant to the consumer are observed.

scholarly journals Monitoring the Quality of Services in Electronic Banking

2016 ◽  
Vol 5 (3) ◽  
pp. 99-119 ◽  
Author(s):  
Radislav Jovovic ◽  
Elvis Lekic ◽  
Miroslav Jovovic
Keyword(s):  
Theoretical Model ◽  
Quantitative Research ◽  
Theoretical Models ◽  
Quality Of Services ◽  
Electronic Banking ◽  
Significant Information ◽  
Time Activity ◽  
Banking Services ◽  
Quantitative Research Methods

Abstract Successful development of electronic banking is in direct correlation with the quality of services in electronic banking. Therefore, it is necessary that the banks are familiar with the attributes of electronic services on which clients assess the bank’s quality and client’s satisfaction with them, in order to be able to monitor, correct and improve the performance of electronic banking. We start from the hypothesis that there are already developed theoretical models for measuring the quality of e-banking services but they must be adjusted to the specific environment that is analysed in order to obtain reliable and quality information. The qualitative and quantitative research methods are applied in this paper in order to a get adjusted theoretical model (instrument) for measuring the quality of electronic banking services. As a result of the conducted analysis, the initial theoretical model has been modified, so that the final version of the model (instrument) for measuring quality of online banking allows obtaining reliable data, and information in the particular environment. And the results are: significant information about the quality of e-banking, modified theoretical model, information about the dimensions of quality of e-banking, customer satisfaction, and pathways and guidelines for the improvement of e-banking. The measuring of quality of electronic banking services in not one time activity but repeated one, as permanent monitoring strategy. This research is widely applicable even though it was conducted in the context of Montenegrin e-banking, since most of the banks in Montenegro are owned by well-known European banks, and it is expected that the obtained knowledge and information can be generalized.

scholarly journals Analiza kakovosti strokovnih usposabljanj na področju digitalizacije poslovanja v izbranem javnem zavodu [Analysis of Professional Training in Business Digitalisation at a Selected Public Institute]

2017 ◽  
Vol 15 (2) ◽  
Author(s):  
Dobruša Lipovž ◽  
Melita Moretti
Keyword(s):  
Quantitative Analysis ◽  
Human Resources ◽  
Professional Training ◽  
Measurement Instrument ◽  
Perceived Quality ◽  
Additional Research ◽  
Five Dimensions ◽  
Perception Of Quality

Kvantitativno analizo kakovosti strokovnih usposabljanj na področju digitalizacije poslovanja v izbranem javnem zavodu smo izvedli s pomočjo merskega instrumenta SERVQUAL, s katerim smo merili udeleženčeva pričakovanja in njihove zaznave kakovosti strokovnih usposabljanj na področju digitalizacije poslovanja, in sicer s pomočjo petih razsežnosti: zunanje podobe, zanesljivosti, odzivnosti, zaupanja in pozornosti. Analiza je pokazala, da se pričakovana kakovost usposabljanja na področju digitalizacije poslovanja v izbranem javnem zavodu statistično značilno razlikuje od dejanske zaznane kakovosti ter da je dejavnik zaznane kakovosti usposabljanj »zanesljivost izvajalca in predavatelja« pozitivno povezan z zadovoljstvom udeležencev teh usposabljanj. Rezultati analize bodo lahko v pomoč upravljalcem človeških virov in managementu v izbranem javnem zavodu in v drugih organizacijah, kakor tudi raziskovalcem, saj lahko ti na osnovi ugotovitev te raziskave ter dodatno zbranih podatkov izpeljejo dodatne analize.A quantitative analysis was performed about the quality of professional training in business digitalisation at a selected public institute with the SERVQUAL measurement instrument that measured the expectations of the participants and perception of quality of professional training in business digitalisation by measuring the following five dimensions: tangibles, reliability, responsiveness, assurance and attentiveness. The analysis has shown that the expected quality of training in business digitalisation at the selected public institute statistically significantly differs from the actual perceived quality, and that the factor of perceived quality of training ‘the reliability of the provider and the lecturer’ positively corresponded with the satisfaction of the participants in these trainings. The results of the analysis will be of practical assistance for managers of human resources and the management of the selected public institute, other organisations, as well as researchers, who can carry out additional research on the basis of the findings of this research and additional selected data.

scholarly journals BANKING SERVICES AND CUSTOMER PERCEPTION IN SOME SELECTED COMMERCIAL BANKS IN BANGLADESH: A COMPARATIVE PERSPECTIVE

2014 ◽  
Vol 13 (1) ◽  
pp. 1
Author(s):  
Md. Mahi Uddin ◽  
Mohammad Aktaruzzaman Khan ◽  
Nadia Farhana
Keyword(s):  
Customer Satisfaction ◽  
Commercial Banks ◽  
Service Providers ◽  
Banking System ◽  
Simple Random Sampling ◽  
Capital City ◽  
Quality Of Services ◽  
It Adoption ◽  
Banking Services

The banking system is facing challenges with stiff competition and advancement of technology. It becomes imperative for service providers to meet or exceed the target customers' satisfaction with quality of services expected by them. Hence, the present study attempted to study customers' perception of quality of services (both transactions-based and IT-enabled) in terms of its constituent factors and IT adoption in public, private, and foreign commercial banks in this E-age. The present investigation was planned with the objective to assess the extent of use of services especially the IT-enabled services in these banks and to analyze the constituent factors affecting customer satisfaction with the quality of services. The study area was Dhaka, the capital city of Bangladesh. Simple random sampling was used for selection of sample branches. The study reveals that check deposition and check clearance are the most popular banking <p>services among the customers of all sample banks. The customers of nationalized banks were not satisfied with the employee behavior and infrastructure while respondents of private and foreign commercial banks were not satisfied with high charges, accessibility and communication. A small number of respondents were using IT-enabled services other than ATM, and a few respondents made complain against their respective banks. Keywords : Transaction-based banking services, IT-enabled banking services, Customer satisfaction, Service quality</p>

scholarly journals Effect of Dimensions of Service Quality on the Brand Equity in the Fast Food Industry

2016 ◽  
Vol 11 (3) ◽  
pp. 30-46 ◽  
Author(s):  
Majid Esmaeilpour ◽  
Zahra Mohamadi ◽  
Azade Rajabi
Keyword(s):  
Service Quality ◽  
Brand Equity ◽  
Fast Food ◽  
Food Industry ◽  
Structural Equations ◽  
Quality Of Services ◽  
Fast Food Industry ◽  
Statistical Population ◽  
Five Dimensions

AbstractDue to the increasing competition in the industry and service sectors, creating the powerful brands has great importance in these industries. One of the main factors that help to create a powerful brand is investment and improving the quality of services. Nowadays, the competition for improving the quality of services is raised as a key strategic issue for organizations that operate in the services sector. The aim of this research is to investigate how the dimensions of service quality affect the brand equity in the fast food industry. The customers of fast food industry (Restaurant Raphael) in Boushehr constitute the statistical population of this research. Given that the statistical population is unlimited, through sampling 390 questionnaires were distributed, collected and analyzed. For analyzing the data, the structural equations modelling was used by help of the software smart PLS. The results show that the entire dimensions of service quality of model SERVQUAL (tangible factors of services, reliability, responsiveness, assurance and empathy) have a positive and significant impact on the brand equity. It also became clear that among the five dimensions of quality of services, the tangible factors of services have the most impact on the brand equity in the fast food industry. So implementing the programs to enhance the quality of services will have to a very large extent a positive effect on increasing the brand equity in the fast food industry.

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