A THE INFLUENCE OF CUSTOMER EXPECTATIONS ON BANK SERVICE PERFORMANCE AND BANK CUSTOMER SATISFACTION AND ITS EFFECT ON CUSTOMER TRUST

Authors

  • Zaenal Aripin Universitas Sangga Buana Bandung Author
  • kosasih Universitas Sangga Buana Bandung Author
  • vip Paramarta Universitas Sangga Buana Bandung Author

Keywords:

customer , expectations, bank , service, performance, bank customer satisfaction, customer trust, literature , study

Abstract

Beckground: The banking industry has experienced rapid development in recent years. Competition among banks has intensified, and to maintain a competitive advantage, it is important for banks to understand customer expectations, improve their service performance, and gain high customer satisfaction and customer trust.

Aims: This study aims to analyze the influence of customer expectations on bank service performance, bank customer satisfaction, and how this influence impacts customer trust. The background of this study is based on the importance of improving customer satisfaction and customer trust in today's highly competitive banking industry.

Research Method: The research method used in this study is a literature study. Various relevant literature sources, including scientific journals, books, and related research reports, were analyzed. This study analyzes and synthesizes the findings in the literature to identify the relationship between customer expectations, bank service performance, bank customer satisfaction, and customer trust.

Results and Conclussion: The results show that customer expectations have a significant influence on bank service performance. When customer expectations are met, bank service performance tends to be better. In addition, bank service performance also has a significant influence on bank customer satisfaction. When bank service performance increases, bank customer satisfaction also increases. Furthermore, bank customer satisfaction also has a positive impact on customer trust in banks.

Contribution: The contribution of this research is to provide a better understanding of the relationship between customer expectations, bank service performance, bank customer satisfaction, and customer trust. This research can serve as a reference for companies in the banking industry to improve their bank service performance, so as to meet customer expectations, increase customer satisfaction, and strengthen customer trust in the long run.

Downloads

Download data is not yet available.

References

Aldaihani, F. M. F., & Ali, N. A. Bin. (2019). Impact of relationship marketing on customers loyalty of islamic banks in the state of Kuwait. International Journal of Scientific and Technology Research, 8(11), 788–802.

Ali, B. J., Saleh, P. F., Akoi, S., Abdulrahman, A. A., Muhamed, A. S., Noori, H. N., & Anwar, G. (2021). Impact of Service Quality on the Customer Satisfaction: Case study at Online Meeting Platforms. International Journal of Engineering, Business and Management, 5(2), 65–77. https://doi.org/10.22161/ijebm.5.2.6

Ali, H., Rivai Zainal, V., & Rafqi Ilhamalimy, R. (2022). Determination of Purchase Decisions and Customer Satisfaction: Analysis of Brand Image and Service Quality (Review Literature of Marketing Management). Dinasti International Journal of Digital Business Management, 3(1), 141–153. https://doi.org/10.31933/dijdbm.v3i1.1100

Alketbi, S., Alshurideh, M., & Al Kurdi, B. (2020). The Influence of Service Quality on Customers ’ Retention and Loyalty in the UAE Hotel Sector with Respect to the Impact of Customer ’ Satisfaction , Trust , and Commitment : A Qualitative Study. PalArch’s Journal of Archaeology of Egypt/Egyptology, 17(4), 541–561. https://www.researchgate.net/publication/344671131_The_Influence_of_Service_Quality_on_Customers%27_Retention_and_Loyalty_in_the_UAE_Hotel_Sector_with_Respect_to_the_Impact_of_Customer%27_satisfaction_Trust_and_Commitment_A_Qualitative_Study

Arielp, Z. (2021). Analysis olf Thel Usel olf Prolmoltioln In Solcial Meldia oln Thel Pelrfolrmancel olf El-Colmmelrcel Markelting. El-Bisnis : Jurnal Ilmiah Elkolnolmi Dan Bisnis, 14(2), 136–144. https://doli.olrg/10.51903/el-bisnis.v14i2.488

Aripin, Z., Suganda, U. K., & Kusumah, A. Z. (2022). Markelting intellligelncel: Innolvatioln ability tol anticipatel glolbal colmpeltitioln. Intelrnatiolnal Jolurnal olf Relselarch in Businelss and Solcial Scielncel (2147- 4478), 11(1), 328–339. https://doli.olrg/10.20525/ijrbs.v11i1.1589

Dam, S. M., & Dam, T. C. (2021). Relationships between Service Quality, Brand Image, Customer Satisfaction, and Customer Loyalty. Journal of Asian Finance, Economics and Business, 8(3), 585–593. https://doi.org/10.13106/jafeb.2021.vol8.no3.0585

Diputra, I. G. A. W., & Yasa, N. N. (2021). The Influence of Product Quality, Brand Image, Brand Trust on Customer Satisfaction and Loyalty. American International Journal of Business Management (AIJBM), 4(1), 25–34. http://118.97.187.12/pustaka/files/17726/jurnal/the-impact-of-service-quality-product-quality-and-price-on-customer-satisfaction.pdf

Esmaeili, A., Haghgoo, I., Davidaviciene, V., & Meidute-Kavaliauskiene, I. (2021). Customer loyalty in mobile banking: Evaluation of perceived risk, relative advantages, and usability factors. Engineering Economics, 32(1), 70–81. https://doi.org/10.5755/j01.ee.32.1.25286

Fida, B. A., Ahmed, U., Al-Balushi, Y., & Singh, D. (2020). Impact of Service Quality on Customer Loyalty and Customer Satisfaction in Islamic Banks in the Sultanate of Oman. SAGE Open, 10(2). https://doi.org/10.1177/2158244020919517

Hayati, S., Suroso, A., Suliyanto, & Elfan Kaukab, M. (2020). Customer satisfaction as a mediation between micro banking image, customer relationship and customer loyalty. Management Science Letters, 10(11), 2561–2570. https://doi.org/10.5267/j.msl.2020.3.039

Herath, S., Hmak, H., Hmsp, H., Lanka, S., & Sri Lanka Corresponding Author, K. (2019). Impact of Green banking initiatives on customer satisfaction: A conceptual model of customer satisfaction on green banking. Researchgate.Net, 21(February), 24–35. https://doi.org/10.9790/487X-2101032435

Khairawati, S. (2019). Effect of customer loyalty program on customer satisfaction and its impact on customer loyalty. International Journal of Research in Business and Social Science (2147- 4478), 9(1), 15–23. https://doi.org/10.20525/ijrbs.v9i1.603

Khatab, J. J., Esmaeel, E. S., & Othman, B. (2019). The influence of service quality on customer satisfaction: Evidence from public sector and private sector banks in kurdistan/iraq. International Journal of Advanced Science and Technology, 28(20), 865–872.

Khatoon, S., Zhengliang, X., & Hussain, H. (2020). The Mediating Effect of Customer Satisfaction on the Relationship Between Electronic Banking Service Quality and Customer Purchase Intention: Evidence From the Qatar Banking Sector. SAGE Open, 10(2). https://doi.org/10.1177/2158244020935887

Kristanti, F. T., Salim, D. F., Indrasari, A., & Aripin, Z. (2022). a Stolck Polrtfolliol Stratelgy in thel Midst olf thel Colvid-19: Casel olf Indolnelsia. Jolurnal olf Elastelrn Elurolpelan and Celntral Asian Relselarch, 9(3), 422–433. https://doli.olrg/10.15549/jelelcar.v9i3.822

Kristanti, F. T., Syafia, N. M. N., & Aripin, Z. (2021). An elarly warning systelm olf lifel insurancel colmpaniels distrelss in Indolnelsia. Multicultural Elducatioln, 7(7), 237–245. https://doli.olrg/10.5281/zelnoldol.5097501

Lie, D., Sudirman, A., Efendi, E., & Butarbutar, M. (2019). Analysis of mediation effect of consumer satisfaction on the effect of service quality, price and consumer trust on consumer loyalty. International Journal of Scientific and Technology Research, 8(8), 421–428.

Naveed, R. T., Irfan, M., Aslam, H. D., Anwar, B., & Ayub, A. (2019). THE EFFECT OF GENERAL BANKING INFORMATION TECHNOLOGY SYSTEM ON CUSTOMERS’ SATISFACTION WITH THE MODERATING EFFECT OF CUSTOMER TRUST: AN EMPIRICAL STUDY FROM PAKISTANI COMMERCIAL (ISLAMIC) BANKS. The Effect of General Banking Information Technology System, April 2020.

Nguyen, D. T., Pham, V. T., Tran, D. M., & Pham, D. B. T. (2020). Impact of service quality, customer satisfaction and switching costs on customer loyalty. Journal of Asian Finance, Economics and Business, 7(8), 395–405. https://doi.org/10.13106/JAFEB.2020.VOL7.NO8.395

Pakurár, M., Haddad, H., Nagy, J., Popp, J., & Oláh, J. (2019). The service quality dimensions that affect customer satisfaction in the Jordanian banking sector. Sustainability (Switzerland), 11(4), 1–24. https://doi.org/10.3390/su11041113

Priyo, J. S., Mohamad, B., & Adetunji, R. R. (2019). An examination of the effects of service quality and customer satisfaction on customer loyalty in the hotel industry. International Journal of Supply Chain Management, 8(1), 654–663.

Ramya, N. (2019). SERVICE QUALITY AND ITS DIMENSIONS. EPRA International Journal of Research and Development (IJRD), February.

Rashid, M. H. U., Nurunnabi, M., Rahman, M., & Masud, M. A. K. (2020). Exploring the relationship between customer loyalty and financial performance of banks: Customer open innovation perspective. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 1–19. https://doi.org/10.3390/joitmc6040108

Sanny, L., Susastra, A. C., Roberts, C., & Yusramdaleni, R. (2020). The analysis of customer satisfaction factors which influence chatbot acceptance in Indonesia. Management Science Letters, 10(6), 1225–1232. https://doi.org/10.5267/j.msl.2019.11.036

Sasono, I., Jubaedi, A. D., Novitasari, D., Wiyono, N., Riyanto, R., Oktabrianto, O., Jainuri, J., & Waruwu, H. (2021). The Impact of E-Service Quality and Satisfaction on Customer Loyalty: Empirical Evidence from Internet Banking Users in Indonesia. Journal of Asian Finance, Economics and Business, 8(4), 465–473. https://doi.org/10.13106/jafeb.2021.vol8.no4.0465

Simanjuntak, M., Putri, N. E., Yuliati, L. N., & Sabri, M. F. (2020). Enhancing customer retention using customer relationship management approach in car loan bussiness. Cogent Business and Management, 7(1). https://doi.org/10.1080/23311975.2020.1738200

Supriyanto, A., Wiyono, B. B., & Burhanuddin, B. (2021). Effects of service quality and customer satisfaction on loyalty of bank customers. Cogent Business and Management, 8(1). https://doi.org/10.1080/23311975.2021.1937847

Surahman, I. G. N., Yasa, P. N. S., & Wahyuni, N. M. (2020). The Effect of Service Quality on Customer Loyalty Mediated by Customer Satisfaction in Tourism Villages in Badung Regency. Jurnal Ekonomi & Bisnis JAGADITHA, 7(1), 46–52. https://doi.org/10.22225/jj.7.1.1626.46-52

Syafarudin, A. (2021). The Effect of Product Quality on Customer Satisfaction Implications on Customer Loyalty in the Era Covid-19. Ilomata International Journal of Tax and Accounting, 2(1), 71–83. https://doi.org/10.52728/ijtc.v2i1.204

Tantri. (2020). Service Quality, Customer Satisfaction, Customer Trust, and Customer Loyalty in Service of Paediatric Polyclinic Over Private H Hospital of East Jakarta, Indonesia. Journal of Multidisciplinary Academic, 4(2), 105–111.

Tien, N. H., Ba, D., Anh, H., Dung, H. T., On, P. Van, Anh, V. T., & Dat, N. Van. (2021). R esearch Article Factors impacting customer satisfaction at Vietcombank in. Himalayan Journals, 4, 44–53. https://doi.org/10.47310/Hjebm.2021.v02i04.006

Tran, V. D., & Vu, Q. H. (2019). Inspecting the relationship among e-service quality, e-trust, e-customer satisfaction and behavioral intentions of online shopping customers. Global Business and Finance Review, 24(3), 29–42. https://doi.org/10.17549/gbfr.2019.24.3.29

Yullya Ramadonna, Nasfi, Z. A. (2019). the Effect of Customer Relationship Management and Customer Value on Customer Satisfaction of Services and Its Impact on Customer Loyaltyin Pt. Bpr Rangkiang Aur. Ttps://Jurnal.Umsb.Ac.Id/Index.Php/Menaraekonomi/Article/View/1277/1116, 5(1), 103–115.

Z Aripin, V Paramarta, Kosasih. (2023) . Utilizing Internet of Things (IOT)-based Design for Consumer Loyalty: A Digital System Integration. Jurnal Penelitian Pendidikan IPA 9 (10), 8650-8655, 2023.

DOI: 10.29303/jppipa.v9i10.4490

Dikson Silitonga, Siti Alfia Ayu Rohmayanti, Zaenal Aripin, Dadi Kuswandi, Arif Budi Sulistyo.(2023). Edge Computing in E-commerce Business: Economic Impacts and Advantages of Scalable Information Systems.EAI Endorsed Transactions on Scalable Information Systems.V.1.11.

DOI: https://doi.org/10.4108/eetsis.4375

Downloads

Published

2023-12-06

How to Cite

A THE INFLUENCE OF CUSTOMER EXPECTATIONS ON BANK SERVICE PERFORMANCE AND BANK CUSTOMER SATISFACTION AND ITS EFFECT ON CUSTOMER TRUST. (2023). KRIEZ ACADEMY : Journal of Development and Community Service, 1(1), 1-14. https://kriezacademy.com/index.php/kriezacademy/article/view/2