As the digital landscape continues to reshape the banking industry, understanding the factors influencing customer loyalty in online banking becomes paramount. This study investigates the intricate relationships between e-satisfaction, e-loyalty, and the moderating effects of consumer perceived risk and skill. Drawing on a sample of 168 customers from selected branches of Bank Mellat in Mashhad, statistical analyses were conducted using SPSS and Smart-PLS. The results reveal a direct and positive impact of e-satisfaction on e-loyalty, elucidating the fundamental role of customer contentment in fostering loyalty in the online banking domain. Moreover, the study uncovers a nuanced interplay, demonstrating that the relationship between e-satisfaction and e-loyalty is contingent on the levels of consumer perceived risk and skill. High perceived risk and low skill levels diminish the impact of e-satisfaction on e-loyalty, highlighting the need for tailored strategies for these customer segments. This research contributes to the evolving understanding of e-loyalty dynamics, emphasizing the significance of customization, security, convenience, delivery, communication, and website aesthetics in shaping customers' e-loyalty. The findings provide actionable insights for banking institutions to refine their online platforms, fostering a more personalized, secure, and engaging digital banking experience to enhance customer loyalty. پرونده مقاله