标题：Mobile phone banking: A comparative analysis of e-service quality and customer loyalty of banking applications and Unstructured Supplementary Service Data services
摘要：Orientation: Mobile devices are becoming a popular means to access the Internet and conduct e-banking activities. Banks are marketing e-banking solutions to increase their customer base.Research purpose: This study contrasts how the service quality of mobile phone applications and Unstructured Supplementary Service Data banking influence customer loyalty. The study examined e-service quality to validate and determine the nature of the relationship of the proposed model.Motivation for the study: The study was conducted in a mobile banking (MB) setting in South Africa, with a technologically savvy young adult population. To win customer loyalty, banks need to provide innovative solutions to this group of clients.Research approach/design and method: A positivistic paradigm with a quantitative approach and descriptive design was adopted for this study. A convenience sampling method was used to distribute a questionnaire to 300 students, with a response rate of 73%.Main findings: The findings showed that fulfilment, privacy and efficiency were all significantly related to overall service quality and customer loyalty for both banking models. Based on the findings, privacy, fulfilment and efficiency are critical facets to both MB applications and Unstructured Supplementary Service Data banking.Practical/managerial implications: Banks need to target ‘unbanked’ customers to register for a bank account via Unstructured Supplementary Service Data banking or MB applications.Contribution/value-add: However, there is still a lack of knowledge about these services among the population. Therefore, banks need to educate potential and existing customers on these products and services to fully exploit the market segments.
关键词：mobile banking service quality; mobile banking applications; mobile banking USSD services
