Evaluating the redundancy of banking services (Case study: Melli Bank branches in Tehran Metropolis)
Subject Areas :
babak jarrahi
1
,
hakimeh niki
2
,
farzad torabian
3
1 -
2 - Assistant Professor, Department of Managment, Jolfa Islamic Azad University
3 - Master of Information Technology Management
Keywords: redundancy of services, redundancy of service behaviors, redundancy of service regulations, redundancy of service environments, National Bank of Tehran Metropolis branches,
Abstract :
The aim of this research is to evaluate the redundancy of banking services. The current research is descriptive in terms of method, field type in terms of data collection method, and applied research in terms of purpose. The statistical population of this research is all the customers of National Bank of Tehran Metropolis branches, which was assumed to be unlimited due to the uncertainty and large number of customers. In this research, available sampling method was used for sampling from the statistical population of the research. And since the desired community is unlimited, the number of statistical sample is 267 people. In order to collect data, the standard questionnaires of service redundancy by Yen et al. (2023) were used, which have acceptable validity and reliability. To analyze the data in order to check the appropriateness of the questionnaire from Cronbach's alpha, to check the type of data distribution from skewness and skewness, to check the research questions according to the normality of the data distribution from the sample t-test and Friedman's ranking test by spss26 software was used, the results of the research showed that the status of the three dimensions of service redundancy including service behavior redundancy, service regulations redundancy and service environment redundancy of National Bank of Tehran metropolitan branches is less than the average level.
بادپا، مهدی(1398). بررسی مقایسهای عوامل مؤثر بر رضایت مشتریان بانکها و مؤسسات مالی دولتی و خصوصی (مطالعه موردی: بانک ملی و اقتصاد نوین). مدیریت بازاریابی،14(43):89-103.
پیغامی، صفر(1400). بررسی عوامل موثر بر رضایت مشتریان بانک انصار شهر مراغه، فصلنامه مطالعات مدیریت و کارآفرینی، دوره: 7، شماره: 1
حسنی، محمود،سالار، جمشید (1391). بررسی تأثیر بازارمداری و نوآوری بر عملکرد شرکتهای غذایی بورس، تحقیقات بازاریابی نوین، 2(3)،120-107
عباسی فرزانه، نادری مارالانی نادر، نامآور علی، میردار هریجانی فاطمه(1401). بررسی تأثیر بازاریابی دیجیتال بر تصویر شرکت از طریق میانجیگری رضایت مشتری در بانک شهر تهران. فصلنامه علمی-پژوهشی اقتصاد و مدیریت شهری،۱۱ (۴۱) :۴۱-۶۰
محمدی، فائزه و شمس خامنه، بهزاد(1401). بررسی تاثیر کیفیت خدمات بانکداری تلفن همراه بر رضایت مشتریان (مطالعه موردی: مشتریان بانک تجارت)، فصلنامه کنکاش مدیریت و حسابداری، دوره: 2، شماره: 2
مدنیان، سیدمحمد، شکرچی زاده، احمدرضا(1398). بررسی و واکاوی مفاهیم و ابعاد مدیریت کیفیت خدمات، فصلنامه علمی مدیریت استاندارد و کیفیت، سال نهم،شماره 2 ، پیاپی 32
Abrate, G., Quinton, S., Pera, R., 2021. The relationship between price paid and hotel review ratings: expectancy-disconfirmation or placebo effect? Tour. Manag. 85, 104314.
Albayrak, T., Caber, M., 2015. Prioritisation of the hotel attributes according to their influence on satisfaction: a comparison of two techniques. Tour. Manag. 46, 43–50.
Andreeva, E., Magnusson Hanson, L. L., Westerlund, H., Theorell, T., & Brenner, M. H. (2015). Depressive symptoms as a cause and effect of job loss in men and women: evidence in the context of organisational downsizing from the Swedish Longitudinal Occupational Survey of Health. BMC public health, 15, 1-11.
Brown, R., & Chen, H. (2019). Understanding the Impact of Service Redundancy on User
Chiang, C.F., Chen, W.Y., Hsu, C.Y., 2019. Classifying technological innovation attributes for hotels: an application of the Kano model. J. Travel Tour. Mark. 36 (7), 796–807.
Dixon, M., Freeman, K., Toman, N., 2010. Stop trying to delight your customers. Harv. Bus. Rev. 86 (7/8), 116–122.
Driver, M.J., Mock, T.J., 1975. Human information processing, decision style theory, and accounting information systems. Account. Rev. 50 (3), 490–508.
Dwivedi, Y. K., Kshetri, N., Hughes, L., Slade, E. L., Jeyaraj, A., Kar, A. K., ... & Wright, R. (2023). “So what if ChatGPT wrote it?” Multidisciplinary perspectives on opportunities, challenges and implications of generative conversational AI for research, practice and policy. International Journal of Information Management, 71, 102642.
Evans, S.H., 1967. Redundancy as a variable in pattern perception. Psychol. Bull. 67 (2), 104–113.
Fowler, A., Pryke, J., 2003. Knowledge management in public service provision: the child support agency. Int. J. Serv. Ind. Manag. 14 (3), 254–283.
Gouthier, M., Giese, A., Bartl, C., 2012. Service excellence models: a critical discussion and comparison. Manag. Serv. Qual. 22 (5), 447–464.
Gursoy, D., Uysal, M., Sirakaya-Turk, E., Ekinci, Y., Baloglu, S., 2015. Handbook of Scales in Tourism and Hospitality Research. CABI Publishing, London.
Ho, S.P.S., Chow, M.Y.C. (2023). The role of artificial intelligence in consumers’ brand preference for retail banks in Hong Kong. J Financ Serv Mark -022(13):2237-2256.
Johnson, R. (2022). Customer Experience and Redundancy in Banking: A Comprehensive Overview. Journal of Customer Experience in Financial Services.
Johnson, R. (2022). Optimizing Service Portfolios to Enhance Customer Satisfaction. Journal of Applied Financial Studies.
Jones, P. (2018). Strategic Service Management: Avoiding Redundancy in Competitive Banking. Financial Services Review.
Jung, J., Han, H., Oh, M., 2017. Travelers’ switching behavior in the airline industry from the perspective of the push-pull-mooring framework. Tour. Manag. 59, 139–153.
Kahn, B. E. (1995). "Consumer variety-seeking and the role of the choice process: Some new findings and future directions". Journal of Consumer Research.
Kim, J.H., 2019. Animosity and switching intention: moderating factors in the decision making of Chinese ethnic diners. Cornell Hosp. Q. 60 (2), 174–188.
Kim, S., Lee, J.S., 2013. Is satisfaction enough to ensure reciprocity with upscale restaurants? The role of gratitude relative to satisfaction. Int. J. Hosp. Manag. 33, 118–128.
Klimkeit, D., Tang, C.M., Thirumaran, K., 2021. Introduction: service excellence in Asian tourism and hospitality. In: Thirumaran, K., Klimkeit, D., Tang, C.M. (Eds.), Service Excellence in Tourism and Hospitality. Springer, Cham, pp. 1–7.
Lee, S., Park, M., & Brown, T. (2020). Complexity and Customer Confusion: Challenges in Digital Banking. Journal of Digital Financial Management.
Manhas, P.S., Tukamushaba, E.K., 2015. Understanding service experience and its impact on brand image in hospitality sector. Int. J. Hosp. Manag. 45, 77–87.
Miranda, R., Lerner, A., 1995. Bureaucracy, organizational redundancy, and the privatization of public services. Public Adm. Rev. 55 (2), 193–200.
Moon, Y., 2005. Break free from the product life cycle. Harv. Bus. Rev. 83 (5), 86–94.
Pryor, M.G., Toombs, L.A., Cooke, J., Humphreys, J.H., 2011. Strategic quality management: the role of process ownership, management and improvement. Int. J. Bus. Excell. 4 (4), 420–439.
Schwartz, B. (2004). "The Paradox of Choice: Why More Is Less". HarperCollins.
Shostack, L. (1984). "Designing Services That Deliver". Harvard Business Review.
Smith, J., & Brown, K. (2019). The Effects of Redundant Services on Customer Satisfaction in Financial Institutions. Journal of Financial Services Research.
Smith, J., & Johnson, L. (2021). The Paradox of Service Redundancy in Banking: Impacts and Solutions. Journal of Financial Services.
Srivastava, A., Kumar, V., 2021. Hotel attributes and overall customer satisfaction: what did COVID-19 change? Tour. Manag. Perspect. 40, 100867.
Stone, M., (2012). The death of personal service: Will financially services customers who serve themselves do better than if they are served? J. Database Mark. Cust. Strategy Manag. 19 (2), 107–119.
Tsaur, S.H., Yen, C.H., 2019. Service redundancy in fine dining: evidence from Taiwan. Int. J. Contemp. Hosp. Manag. 31 (2), 830–854.
Williams, D., & Chen, H. (2019). Analyzing the Effectiveness of Banking Services: A Case Study of Redundant Features. Banking Technology Insights.
Williams, D., & Park, Y. (2018). Analyzing Redundant Features in Banking Services and Their Impact on Customer Trust. Journal of Banking and Customer Experience.
Wu, X., Gursoy, D., Zhang, M., 2021. Effects of social interaction flow on experiential quality, service quality and satisfaction: moderating effects of self-service technologies to reduce employee interruptions. J. Hosp. Mark. Manag. 30 (5), 571–591.
Yang, Z., Fang, X., 2004. Online service quality dimensions and their relationships with satisfaction: a content analysis of customer reviews of securities brokerage services. Int. J. Serv. Ind. Manag. 15 (3), 302–326
Yen, C. H., Tsaur, S. H., & Tsai, C. H. (2023). Service redundancy: Scale development and validation. International Journal of Hospitality Management, 110, 103430.
Zyad Alzaydi (2023). Examining the mediating effect of multi-channel integration quality in the relationship with service quality, customer satisfaction and customer loyalty in the Saudi banking sector, The current issue and full text archive of this journal is available on Emerald Insight at: https://www.emerald.com/insight/2752-9819.htm.
