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Measuring User-Perceived Characteristics for Banking Services: Proposing a Methodology

Author

Listed:
  • Olga Vl. Bitkina

    (Department of Industrial and Management Engineering, Incheon National University (INU), Academy-ro 119, Incheon 22012, Korea)

  • Jaehyun Park

    (Department of Industrial and Management Engineering, Incheon National University (INU), Academy-ro 119, Incheon 22012, Korea)

  • Hyun K. Kim

    (School of Information Convergence, Kwangwoon University, Kwangwoon-ro 20, Seoul 01897, Korea)

Abstract

With the continuous technological enhancement of banking services, customers can avail of better, more secure services which present improved opportunities and convenience. Of the many methods available to perform banking operations, customers commonly use traditional banking, online banking, and mobile banking. Each of these existing methods has advantages and limitations that affect customer experience, trust, satisfaction, and continued intention to use such services. In this study, an attempt was made to develop and fit a model to evaluate and measure the effect of perceived characteristics on banking services. To this end, a questionnaire was administered to 91 participants in Korea to investigate their experiences in the three types of services: offline banking (traditional banking), online banking, and automated teller machines (ATM). The factor design for evaluating the user experience through the perceived characteristics of the banking system was performed by conducting exploratory and confirmatory factor analyses. The proposed model exhibited validity and reliability to evaluate the user experience in the banking system. The results obtained can help banking specialists and professionals increase the level of customers’ trust, loyalty, and intention to use their services.

Suggested Citation

  • Olga Vl. Bitkina & Jaehyun Park & Hyun K. Kim, 2022. "Measuring User-Perceived Characteristics for Banking Services: Proposing a Methodology," IJERPH, MDPI, vol. 19(4), pages 1-15, February.
    • Handle: RePEc:gam:jijerp:v:19:y:2022:i:4:p:2358-:d:752647
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    References listed on IDEAS

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    Cited by:

    1. Md. Abdul Bashir & Md. Alaul Haque & Aidin Salamzadeh & Md. Mizanur Rahman, 2023. "Customers’ Satisfaction of E-Banking in Bangladesh: Do Service Quality and Customers’ Experiences Matter?," FinTech, MDPI, vol. 2(3), pages 1-11, September.
    2. Tengku Ikmal Hakimi & Johanna Abdullah Jaafar & Nor Azah Abdul Aziz, 2023. "What factors influence the usage of mobile banking among digital natives?," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(4), pages 763-778, December.
    3. Juan-Gabriel Martínez-Navalón & María Fernández-Fernández & Fernanda Pedrosa Alberto, 2023. "Does privacy and ease of use influence user trust in digital banking applications in Spain and Portugal?," International Entrepreneurship and Management Journal, Springer, vol. 19(2), pages 781-803, June.

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