Digital Happiness in Smart Banking: Personalised Service Quality, Customer Experience, and Loyalty Insights

Authors

  • Mounir El Khatib Hamdan bin Mohamad Smart University
  • Fatima Al Derei Hamdan bin Mohamad Smart University
  • Latifa Al Mutaiwei Hamdan bin Mohamad Smart University
  • Maryam Al Hmoudi Hamdan bin Mohamad Smart University

DOI:

https://doi.org/10.54489/c1j6m172

Keywords:

Keywords: SMART services, Service quality, Happiness indicators, Finance, Banking

Abstract

The aim of the research study is to identify the level of happiness of the customers with the smart service quality of the banks. To measure the level of happiness, the study has focused on identifying the determinants of customers’ happiness. The study is based on the banking sector organizations of UAE that’s why a total of three banks were selected to conduct the study. The study has measured the personalized smart services of the banks and their influence on the indicators of the happiness. The study collected the data from both primary and secondary methods. Both surveys and interviews were conducted to know the current situation. The findings of the study indicated that personalized services of the banks influence the satisfaction level of the customers and this is an indicator of happiness and loyalty.

References

Al-Hawari, M. and Ward, T. (2006), “The effect of automated service quality on Australian banks’ financial performance and the mediating role of customer satisfaction”, Marketing Intelligence and Planning, Vol. 24 No. 2, pp. 127-47. DOI: https://doi.org/10.1108/02634500610653991

Caruana, A. (2002), “Service loyalty: the effect of service quality and the mediating role of customer satisfaction”, European Journal of Marketing, Vol. 36 Nos 7/8, pp. 811-28. DOI: https://doi.org/10.1108/03090560210430818

Chang, H.H., Wang, Y. and Yanga, W. (2009), “The impact of e-service quality, customer satisfaction and loyalty on e-marketing: moderating effect of perceived value”, Total Quality Management, Vol. 20 No. 4, pp. 423-443. DOI: https://doi.org/10.1080/14783360902781923

Chu, P., Lee, G. and Chao, C.H. (2012), “Service quality, customer satisfaction, customer trust, and loyalty in an e-banking context”, Social Behavior and Personality, Vol. 40 No. 8, pp. 1271-1284. DOI: https://doi.org/10.2224/sbp.2012.40.8.1271

Coner, A. (2003), “Personalization and customization in financial portals”, Journal of American Academy of Business, Vol. 2 No. 2, pp. 498-504.

Cronin, J.J. Jr and Taylor, S.A. (1992), “Measuring service quality: a re-examination and extension”, Journal of Marketing, Vol. 56, pp. 55-68. DOI: https://doi.org/10.1177/002224299205600304

Davis, F.D., Bagozzi, R.P. and Warshaw, P.R. (1989), “User acceptance of computer technology: a comparison of two theoretical models”, Management Science, Vol. 35 No. 8, pp. 982-1003. DOI: https://doi.org/10.1287/mnsc.35.8.982

Davis, F.D. (1989), “Perceived usefulness, perceived ease of use, and user acceptance of information technology”, MIS Quarterly, Vol. 13 No. 3, pp. 319-340. DOI: https://doi.org/10.2307/249008

Dib.ae. (n.d.). Smart Bank - Ways to Bank | DUBAI ISLAMIC BANK. [online] Available at: http://www.dib.ae/ways-to-bank/smart-bank [Accessed 16 Jul. 2017].

Dib.ae. (n.d.). Vision and Mission - About DIB | DUBAI ISLAMIC BANK. [online] Available at: http://www.dib.ae/about-dib/vision-and-mission [Accessed 14 Jul. 2017].

Dwayne Ball, Pedro S. Coelho, Manuel J. Vilares, (2006) "Service personalization and loyalty", Journal of Services Marketing, Vol. 20 Issue: 6, pp.391-403. DOI: https://doi.org/10.1108/08876040610691284

El-Kasheir, D., Ashour, A.S. and Yacout, O.M. (2009), “Factors affecting continued usage of Internet banking among Egyptian customers”, Communications of the IBIMA, Vol. 9 No. 29, pp. 252-263.

Emirates 24|7. (2016). Emirates NBD announces Dh500 million digital transformation plan. [online] Available at: http://www.emirates247.com/business/emirates-nbd-announces-dh500-million-digital-transformation-plan-2016-06-02-1.631808 [Accessed 12 Jul. 2017].

Emiratesnbd.com. (n.d.). Emirates NBD Bank | Our Vision, Mission & Values. [online] Available at: http://www.emiratesnbd.com/en/about-emirates-nbd/our-vision-mission-values/ [Accessed 9 Jul. 2017].

Gronroos, C. (1982), Strategic Management and Marketing in Service Sector, Marketing Science Institute, Cambridge, MA.

Hackett, S., B. Parmanto and X. Zeng. (2004). Accessibility of Internet Websites through Time. Association for Computing Machenary, Atlanta, USA. DOI: https://doi.org/10.1145/1028630.1028638

Hanson, W. (2000), Principals of Internet Marketing, South Western, Cincinnati, OH.

Joseph, M., McClure, C. and Joseph, B. (1999), “Service quality in the banking sector: the impact of technology n service delivery”, The International Journal of Bank Marketing, Vol. 17 No. 4, pp. 182-91. DOI: https://doi.org/10.1108/02652329910278879

Jun, M., Peterson, R., Zsidisin, G. and Daily, B. (1999), “Service quality perceptions in the banking industry: major dimensions”, Journal of Business Strategies, Vol. 16 No. 2, pp. 170-88. DOI: https://doi.org/10.54155/jbs.16.2.170-188

Keaveney, S. (1995), “Customer switching behaviour in service industries: an exploratory study”, Journal of Marketing, Vol. 59 No. 2, pp. 71-82. DOI: https://doi.org/10.1177/002224299505900206

Kim, W.C., & Mauborgne, R. (2005). Blue Ocean Strategy. Boston: Harvard Business School Press.

Kumbhar, V.M. (2011), “Factors affecting the customer satisfaction in e-banking: some evidences from Indian banks”, Management Research and Practice, Vol. 3 No. 4.

Leverin, A., & Liljander, V. (2006). Does relationship marketing improve customer relationship satisfaction andloyalty? The International Journal of Bank Marketing, 24(4). 232-251. DOI: https://doi.org/10.1108/02652320610671333

Ma, Z. and Zhao, J. (2012), “Evidence on e-banking customer satisfaction in the China commercial bank sector”, Journal of Software, Vol. 7 No. 4, pp. 927-933. DOI: https://doi.org/10.4304/jsw.7.4.927-933

Magemhe S, Shemi AP (2002) Challenges and opportunities for adapting electronic commerce in developing country: The Botswana perspective. IAABD Conference proceedings, Port Elizabeth.

Marous, J. (2016). Personalization in Banking: From Novelty to Necessity. [online] The Financial Brand. Available at: https://thefinancialbrand.com/58063/personalization-in-banking-digital-research-study/ [Accessed 11 Jul. 2017].

Methlie, L.B., & Nysveen, H. (1999). Loyalty of on-line bank customers. Journal of Information Technology, 14.375-386. DOI: https://doi.org/10.1177/026839629901400406

Nbad.com. (n.d.). About FAB. [online] Available at: https://www.nbad.com/en-ae/about-nbad/overview.html [Accessed 7 Jul. 2017].

Oliver, R.L. (1997), Behavioral Perspective on the Customer, McGraw-Hill, New York.

Oliver, R. (1999), “Whence consumer loyalty?”, Journal of Marketing, Vol. 63, special issue, pp. 33-44. DOI: https://doi.org/10.2307/1252099

Ping, C.T.Y., Suki, N.M. and Suki, N.M. (2012), “Service quality dimension effects on customer satisfaction towards e-banking”, Interdisciplinary Journal of Contemporary Research Business, Vol. 4 No. 2, pp. 741-751.

Parasuraman A., Zeithaml V.A., & Berry L.L. (1985): A conceptual model of service quality and its implications for future research, Journal of marketing, 49, pp. 41-50. DOI: https://doi.org/10.1177/002224298504900403

Parasuraman, A. (1998). Customer service in business-to-business markets an agenda for research. Journal of Business and Industrial Marketing, 13(4/5), 309-321. DOI: https://doi.org/10.1108/08858629810226636

Parasuraman, A., Zeithaml, V., Malhorta, A., 2005. E-S-QUAL: a multiple-item scale for assessing electronic service quality. Journal of Retailing 64 (1), 12-40.

Peppers, D. and Rogers, M. (1993), The One to One Future: Building Relationships One Customer at a Time, Currency/ Doubleday, New York, NY.

Prahalad, C. K. & Ramaswamy, V. 2004a. The future of competition: co-creating unique value with customers, Harvard Business School Press,Boston, Massachusetts.

Quyet, T. V., Vinh, N. Q., & Chang, T. (2015). Service Quality and Its Effects on Customer Satisfaction with Deposit Services in the Banking Industry. Advanced Science and Technology Letters, 102, 18-23. DOI: https://doi.org/10.14257/astl.2015.102.05

Ribbink, D., Riel, A., Liljander, V. and Streukens, S. (2004), “Comfort your online customer: quality, trust, and loyalty on the internet”, Managing Service Quality, Vol. 14 No. 6, pp. 446-56. DOI: https://doi.org/10.1108/09604520410569784

Rizvi M., (2015), “Mobile banking on the rise in UAE." Khaleej Times Web. 15 July 2017. Available:http://www.khaleejtimes.com/business/banking-finance/money-goes-mobile-in-uae (Accessed: 14 July 2017).

Rust, R.T., Zeithaml, V.A. and Lemon, K.N. (2000), Driving Customer Equity: How Customer Lifetime Value Is Reshaping Corporate Strategy, Free Press, New York, NY.

Sambidge A., (2014), "UAE Launches Project To Improve 'Smart' Banking Services." Arabian Business. Web. 15 July 2017. Available http://www.arabianbusiness.com/uae-launches-project-improve smart-banking-services-552951.html (Accessed: 14 July 2017).

Santos, J. (2003), “E-service quality: a model of virtual service quality dimensions”, Managing Service Quality, Vol. 13 No. 3, pp. 233-46. DOI: https://doi.org/10.1108/09604520310476490

Shen, A. A., & Ball, D. (2009). Is personalization of services always a good thing? Exploring the role of technology mediated personalization (TMP) in service relationships. Journal of Services Marketing, 23(2), 79-91. DOI: https://doi.org/10.1108/08876040910946341

Singh A., (2017), “25% of UAE respondents would recommend their bank." Souq Almal. Web. 15 July 2017. Available https://www.souqalmal.com/financial-education/ae-en/uae-residents-not-satisfied-bank/ (Accessed: 14 July 2017).

Szymanski, D.M. and Hise, R.T. (2000), “E-satisfaction: an initial examination”, Journal of Retailing, Vol. 76 No. 3, pp. 309-322. DOI: https://doi.org/10.1016/S0022-4359(00)00035-X

Tiwari R, Buse S (2007) The Mobile Commerce Prospects: A Strategic analysis of opportunities in the banking sector. Hamburg University Press pp: 1-236.

Wang, M., Cho, S. & Denton, T. 2017, "The impact of personalization and compatibility with past experience on e-banking usage", The International Journal of Bank Marketing, vol. 35, no. 1, pp. 45-55. DOI: https://doi.org/10.1108/IJBM-04-2015-0046

Worku G, Tilahun A, Tafa MA (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). J Bus Fin Aff 5: 174. DOI: https://doi.org/10.4172/2167-0234.1000174

Yang, Z. and Fang, X. (2004), “Online service quality dimensions and their relationships with satisfaction”, International Journal of Service Industry Management, Vol. 15 No. 3, pp. 302-326. DOI: https://doi.org/10.1108/09564230410540953

Downloads

Published

2025-12-28

How to Cite

Digital Happiness in Smart Banking: Personalised Service Quality, Customer Experience, and Loyalty Insights. (2025). International Journal of Business Analytics and Security (IJBAS), 5(1), 82-104. https://doi.org/10.54489/c1j6m172

Similar Articles

61-70 of 71

You may also start an advanced similarity search for this article.

Most read articles by the same author(s)

1 2 3 4 5 6 > >>