Customer Satisfaction towards the Quality of Offered E-Banking Services Features: Quantitative Study on Mobile Banking Service in Egypt

Author(s)

Mohamed Omaia Hosseiny Abou Elseoud ,

Download Full PDF Pages: 19-29 | Views: 5 | Downloads: 1 | DOI: 10.5281/zenodo.14765844

Volume 14 - January 2025 (01)

Abstract

this quantitative research explores customer satisfaction with the quality of the mobile banking services offered in Egypt. The study evaluates the performance of the mobile banking service regarding five dimensions: reliability, usability, security, inclusivity, and responsiveness.  The data was collected through an electronic five-point Likert scale questionnaire from current customers of the National Bank of Egypt (NBE), Commercial International Bank (CIB), and Banque Misr, with an age limit between 20 and 75 years old, excluding the bank’s employees and manager who have active mobile banking account. A sample size of (N=385) was calculated using Cochran’s formula for the current undetermined population. The data from the collected valid responses were then analyzed to test the research proposed hypotheses and validate the research questions. The research analysis indicated that, at a 0.05 significance level, each independent dimension of mobile banking positively influences customer satisfaction; consequently, all tested hypotheses were accepted, demonstrating that customer satisfaction is significantly affected by the quality of the mobile banking service offered.

Keywords

mobile banking dimensions, reliability, usability, security, inclusivity, responsiveness, customer satisfaction, SERVQUAL.

References

Text Books:

Kamel, S., & Hassan, A. (2003). Assessing the Introduction of Electronic Banking in Egypt Using the Technology Acceptance Model. In Cases on Electronic Commerce Technologies and Applications (pp. 297–320). essay, Idea Group.

Thesis and Dissertations:

Mahfouz, M., & Khourshed, N. (2016). The Impact of e-Banking on Service Quality in the Egyp-tian Banking Sector. JRL of the Faculty of Commerce for Scientific Research, 53(1).

Journals and Articles

Aghdaie, S. F., & Faghani, F. (2012). Mobile Banking Service Quality and customer satisfaction (application of SERVQUAL model). International Journal of Management and Business Research, 2, 351-361.

Al-Azzam, A. F. M. (2015). The Impact of Service Quality Dimensions on Customer Satisfaction: A Field Study of Arab Bank in Irbid City, Jordan. European Journal of Business and Management, 7(15), 45–53.

El Badrawy, R., Abd El Aziz, R., & Fady, R. (2012). The state off mobile banking in the Egyptian industry. European, Mediterranean & Middle Eastern Conference on Information Systems (EMCIS2012). Munich, Germany.

El Badrawy, R., Abd El Aziz, R., & Hamza, M. (2012). Towards an Egyptian Mobile Banking Era. Computer Technology and Application, 3, 765–773.

Hussein, A., & Saad, M. (2016). Perceived Risk and Behavioral Determinants of Using Internet Banking in Egypt. Journal of Behavioral Economics, Finance, Entrepreneurship, Accounting and Transport, 4(3), 40–48.

Hussien, M. I., & Abd El Aziz, R. (2013). Investigating e-banking service quality in one of Egypt’s banks: A stakeholder analysis. The TQM Journal, 25(5), 557–576. https://doi.org/10.1108/tqm-11-2012-0086

Moraru, A.-D., & Duhnea, C. (2018). E-banking and customer satisfaction with banking services. Strategic Management, 23(3), 3–9. https://doi.org/10.5937/straman1803003m

Morsi, S. (2023). Evaluation of E-service quality and its impact on customer satisfactions for Mobile Commerce Applications in Egypt. Arab Journal of Administration, 46(01), 1–18. https://doi.org/10.21608/aja.2023.208530.1435

Nafei, W. A. (2016). The Moderating Effects of Customer Satisfaction on the Relationship between Service Quality and Customer Loyalty: Evidence from the Banking Sector of Egypt. Case Studies Journal, 5(9).

Parasurman, A., Zeithaml, V. A., & Berry, L. L. (1985). A conceptual model of service quality and its implications for future research. Journal of Marketing, 49, 41–50.

Parasurman, A., Zeithaml, V. A., & Berry, L. L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12–40.

Parasuraman, A., Zeithaml, V. A., & Malhotra, A. (2005). E-S-QUAL A multiple-item sake for assessing electronic service quality. Journal of Service Research, 7(3), 213–233. https://doi.org/10.1177/1094670504271156

Shared, H. A. (2019). The relationship between E-service quality and E-Customer Satisfaction: An empirical study in Egyptian banks. International Journal of Business and Management, 14(5), 171–182. https://doi.org/10.5539/ijbm.v14n5p171

Websites:

First Bank. (2024, February 27). NBE, Banque Misr, QNB Alahli, and CIB, top banks in the market shares of loans in the banking sector. FirstBank. https://en.firstbankeg.com/6247

Cite this Article: