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Chapter 16
DOI: 10.4018/978-1-5225-4831-7.ch016
ABSTRACT
Evidence exists that delivering superior e-service quality is a vital strategy to success. With the growth
in businesses ofering internet-based transactions, measuring e-service quality becomes an imperative
subject to understand what customers expect and perceive in online banking transactions. It recognizes
customers’ priority and enhances the long-term relationship with them. This study proposes a conceptual
model for measuring internet banking service quality and concentrates on evaluating customers’ percep-
tions and their attitude. For empirical estimation, the data was collected from customers who regularly
use online banking facilities. Respondents were asked to fll the standardized questionnaire based on their
experience with the online services provided by their banks. The results of this study may help the banks
to understand the customers’ attitude, which may assist to maintain and improve the service delivery.
INTRODUCTION
The usage of internet has been expanding over the past few years. The latest statistics revealed that almost
3.6 billion people in the world access the internet (www.internetworldstats.com/stats.htm, accessed June
2016), which imply that around 46 per cent of the world population use the internet medium. Customers
are adopting internet to shop because it enables them to purchase goods and services in a more conve-
nient way (Chen and Chang, 2003).
The internet had a profound impact on almost all the financial institutions, including the banks.
Many banks have improved their functions by adopting various technologies. Internet banking is one
of the innovations among all the information technologies (Guraău, 2002). It is leading the world into
A Measure of E-Service
Quality for Banks:
Customers’ Perceptions and Attitudes
Gazal Punyani
Mody University, India
Sourabh Sharma
International Management Institute, India