STUDENTS’ PERCEPTION OF DIGITAL BANKING WITH SPECIAL REFERENCE TO HIGHER EDUCATION INSTITUTIONS IN AHMEDABAD

Authors

DOI:

https://doi.org/10.55829/ijmpr.v1i4.55

Keywords:

Digital banking, customers’ satisfaction, Service charges, waiting time, higher institutions

Abstract

The fast growth of the digital banking sector needs a higher level of customer satisfaction. This study sample data was taken as a convenient sampling technique with a standardized questionnaire. The digital banking dimension had (0.908) reliability, customers’ satisfaction had (0.845), reducing waiting time variable had (0.729) reliability. The sample consisted (of 254) students of Ahmedabad city of both genders. The quantitative data was analyzed with SPSS by applying Pearson correlation and t-test to understand the relationship and difference between the gender levels of satisfaction. The result statistically proved that the gender of the participants did not have any significant difference in digital banking satisfaction levels. Moreover, the Person correlations proved that there was a significant association between the levels of customers’ satisfaction with service charges, reducing waiting time, and overall digital banking. 

References

Agur, I., Peria, S. M., & Rochon, C. (2020). Digital Financial Services and the Pandemic: Opportunities and Risks for Emerging and Developing Economies (pp. 1–13) [IMF Research]. International Monetary Fund.

Ahmed, S., & Sur, S. (2021). Change in the uses pattern of digital banking services by Indian rural MSMEs during demonetization and Covid-19 pandemic-related restrictions. Vilakshan - XIMB Journal of Management, 1–27. https://doi.org/10.1108/XJM-09-2020-0138

Allada, V. K., & Dubey, R. (2014). Investigating the online banking customer satisfaction model under the controlled effect of demographic variables. International Journal of Services and Operations Management, 18(3), 281–304. https://doi.org/10.1504/IJSOM.2014.062232

Anane, M., & Asamoah, F. O. (2015). Customers’ Satisfaction and Attitude towards Electronic Banking Services in Ghana: A Case Study of Selected Banks in Kumasi Metropolis. European Journal of Business and Management, 7(32), 93–100.

Deraz, H., & Iddris, F. (2019). CUSTOMERS SATISFACTION IN INTERNET BANKING: A REVIEW (2008–2017). International Conference E-Society, 3–13. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-40374

Hayelom, T. (2020). EFFECT OF ATM SERVICE ON CUSTOMER SATISFACTION: THE CASE OF COMMERCIAL BANK OF ETHIOPIA MEKELLE CITY BRANCHES. RIFT VALLEY.

Huda, S. N., Aktar, S., & Islam, M. S. (2020). IMPACT OF E-BANKING ON SERVICE QUALITY AND CUSTOMER SATISFACTION IN SELECTED PRIVATE COMMERCIAL BANKS IN BANGLADESH. Globus An International Journal of Management & IT, 11(2), 21–27. https://doi.org/10.46360/globus.mgt.120201005

Khalaf Ahmad, A. M., & Ali Al-Zu’bi, H. (2011). E-banking Functionality and Outcomes of Customer Satisfaction: An Empirical Investigation. International Journal of Marketing Studies, 3(1), 50–65. https://doi.org/10.5539/ijms.v3n1p50

Khan, F. R., Al-balushi, H. Y., Algaithi, A. D., & Al-shihi, A. A. (2017). IMPACT OF SOCIAL MEDIA ON CUSTOMERS SATISFACTION: BANK MUSCAT – A CASE STUDY. Ahead International Journal of Recent Research Review, 1(11), 154–164.

Khrais, L. T. (2012). The Adoption of Online Banking: A Jordanian Perspective. European Journal of Business and Management, 4(16), 163–172.

Kumar, P., Kalwani, M. U., & Dada, M. (1997). The Impact of Waiting Time Guarantees on Customers’ Waiting Experiences. Marketing Science, 16(4), 295–314. https://doi.org/10.1287/mksc.16.4.295

Mbama, C. I., Ezepue, P., Alboul, L., & Beer, M. (2018). Digital banking, customer experience and financial performance: UK bank managers’ perceptions. Journal of Research in Interactive Marketing, 12(4), 432–451. https://doi.org/10.1108/JRIM-01-2018-0026

Modgil, S., Dwivedi, Y. K., Rana, N. P., Gupta, S., & Kamble, S. (2022). Has Covid-19 accelerated opportunities for digital entrepreneurship? An Indian perspective. Technological Forecasting and Social Change, 175, 121415. https://doi.org/10.1016/j.techfore.2021.121415

Rao, V. V. (2021). EXPLORATION OF BANKING SECTOR QUALITY OF SERVICES AND CUSTOMERS SATISFACTION-A STUDY ON BANKS IN PRAKASAM DISTRICT OF ANDHRA PRADESH- INDIA. ICTACT JOURNAL ON MANAGEMENT STUDIES, 07(04), 1466–1470.

Riquelme, H. E., & Rios, R. E. (2010). The moderating effect of gender in the adoption of mobile banking. International Journal of Bank Marketing, 28(5), 328–341. https://doi.org/10.1108/02652321011064872

Sini, A. A., Almansour, Y., & Almansour, B. (2015). THE EFFECT OF E-BANKING ON CUSTOMERS’ SATISFACTION IN FINANCIAL SERVICES: AN EMPIRICAL INVESTIGATION ON FINANCIAL SECTOR IN SAUDI ARABIA. Journal of Arts, Science &Commerce, 6(3), 2–12.

Sulaiman, M. S., & AbdelKarim, N. (2019). Electronic Banking Strategies and Their Impact on Customers’ Satisfaction: Empirical Evidence from Palestine. Asian Social Science, 15(10), 20–35. https://doi.org/10.5539/ass.v15n10p20

Worku, G., Tilahun, A., & Tafa, M. (2016). The Impact of Electronic Banking on Customers ’ Satisfaction in Ethiopian Banking Industry (The Case of Customers of Dashen and Wogagen Banks in Gondar City). Journal of Business & Financial Affairs, 5(2), 1–18. https://doi.org/10.4172/2167-0234.1000174

Downloads

Published

30-12-2022

How to Cite

Khawrin, M., Tolossa, D., & Japee, G. (2022). STUDENTS’ PERCEPTION OF DIGITAL BANKING WITH SPECIAL REFERENCE TO HIGHER EDUCATION INSTITUTIONS IN AHMEDABAD. International Journal of Management, Public Policy and Research, 1(4), 50–56. https://doi.org/10.55829/ijmpr.v1i4.55

Issue

Section

Articles