جستجوی مقالات مرتبط با کلیدواژه « E-Banking Services » در نشریات گروه « مدیریت »

In the field of e-banking services, banks and service providers have identified and focused on customer experience management as a strategic transition, and applying this approach has led to the promotion of profitable customer behaviors and the achievement of competitive advantage. Therefore, the purpose of this study is to test the customer experience management model in electronic banking services in the Iranian banking and electronic payment services industry.

This applied development research was conducted based on collecting data via field-survey research. The study population included managers and experts in the field of electronic banking services. Due to insufficient access to individuals, the available method was used for the sampling method and 170 questionnaires were collected. Data analysis was performed using the structural equation method and PLS software was used.

In this study, the research model was tested by exploring the dimensions of customer experience management in the field of electronic banking services and refining it by analyzing quantitative data in the target community. This model included 8 dimensions of customer experience, e-banking service provider tools, marketing factors, technological infrastructure factors, structure factors, customer factors, electronic banking services industry factors, and macro environment in electronic banking services. Also, these dimensions included 22 main categories and 58 sub-categories as the characteristics of the model components. In evaluating the structural part of the model, there was a strong relationship between endogenous and exogenous structures, and the overall research model has a good fit. The determination coefficient (R2) of endogenous structures of the model with its exogenous structures with a value of more than 0.729, indicated the strength of the structural part of the model. According to the path coefficients determined in the reflective model, the factors of technological infrastructure (0.723), customer factors (0.502), structural factors (0.397), marketing factors (0.123), and provider tools Electronic banking services (0.119) had the most effect on the independent variables, and had the greatest impact on creating the customer experience, too.

The research results were presented in the form of a customer experience management model for electronic banking services. The results of data analysis while confirming the hypotheses showed that the dimensions and components of the model are confirmed. In the research model, improving customer experience was the centralized goal of customer experience management, which depended on internal and external dimensions, and in this regard, customer experience management strategies in e-banking services were presented. Finally, suggestions for future implementation and research were provided.

In the digital age, customer experience management (CEM) has become an important strategy in e-banking services, and customer experience is clearly focused on achieving customer loyalty and long-term growth. Therefore, the main purpose of this research is to provide a customer experience management multilevel model for e-banking services in the retial-banking industry. In this regard, using the qualitative research method, first the customer experience management literature was analyzed and then an in-depth interview was conducted with 15 experts in the banking industry and the data was analyzed using the theme analysis method. In this study, 8 main dimensions, 21 categories and 58 sub-categories for the final model were identified. Of the 8 recognized dimensions of this model, six dimensions of banking devices and portals, marketing, technical infrastructure, organization, industry and macro environment of e-banking services were determined as levels affecting the dimension of customer experience type and one dimension including customer experience management strategy. This study provides a broad conceptualization on customer experience management, provides a new contribution on customer experience management, and provides a framework for creating positive experiences for e-banking service business.

Nowadays, the banking industry has been forced to change from traditional banking to e-banking due to the developments in information and communication technologies. Therefore, recognizing its needs and behaviors and predicting them to respond in a timely manner can help strengthen and maintain the customer relationship (to become a competitive advantage). But creating customer acceptance of e-banking services is still a challenge for the banking system (which has a direct impact on the profitability of banking activities). Accordingly, the main purpose of this study is to present a model of customer behavior in the acceptance and use of e-banking services. In this cross-sectional study, first, in the qualitative part of the researchers in an exploratory manner, based on a comprehensive model of technology adoption, the experts tried to identify the factors of technology acceptance and its dimensions. After applying the content analysis technique to identify the dimensions and concepts, the relationships between them and the conceptual model were extracted using Maxqda software. In this section, "trust in the bank", "perceived security", "ease of use" as affecting dimensions of "perceived risk" and "perceived desirability", "impact on society", "prior knowledge " as affecting dimensions. Then, in the quantitative part of the model, it was evaluated using the e-banking customer feedback. The results of structural equation modeling analysis through PLS software showed that among the relationships defined, "knowledge" had the least effect and "perceived utility" had the highest effect on "behavioral intentions". "Perceived risk" was defined as an independent variable in this model.