Service quality in the banking industry: an assessment in a developing economy

Madhukar G. Angur (Associate Professor of Marketing, School of Management, The University of Michigan‐Flint, Flint, Michigan, USA)
Rajan Nataraajan (Associate Professor of Marketing, Auburn University, Auburn, Alabama, USA)
John S. Jahera Jr (Colonial Bank Professor of Finance, Auburn University, Auburn, Alabama, USA)

International Journal of Bank Marketing

ISSN: 0265-2323

Publication date: 1 June 1999


Examines the applicability of alternative measures of service quality in the developing economy of India and assesses related issues in that context. Based on data gathered from customers of two major banks, overall results support a multidimensional construct of service quality and suggest that the SERVQUAL scale provides greater diagnostic information than the SERVPERF scale. However, the five‐factor conceptualization of SERVQUAL does not seem to be totally applicable, and no significant difference was found in the predictive ability of the two measures. Further, although SERVQUAL and SERVPERF have identical convergent validity, SERVPERF appears to have higher discriminant validity than SERVQUAL.



Angur, M.G., Nataraajan, R. and Jahera, J.S. (1999), "Service quality in the banking industry: an assessment in a developing economy", International Journal of Bank Marketing, Vol. 17 No. 3, pp. 116-125.

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Copyright © 1999, MCB UP Limited

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