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Providing high-quality e-banking services is considered a basic strategy for attracting and retaining customers with electronic-banking platforms. The purpose of this paper is to empirically investigate a comprehensive moderated mediated mechanism for enhancing customer loyalty toward e-banking platforms via e-banking service quality (EBSQ) practices. Reliability, website design, privacy and security and customer service and support are the dimensions of EBSQ.

Data were collected through structured questionnaires from a sample of 1,028 e-banking users in India. To test the hypotheses, a structural equation modeling approach was used.

The findings showed that of the EBSQ dimensions, reliability along with privacy and security enhanced customer loyalty to e-banking. The initial trust in e-banking mediates the effects of EBSQ dimensions on customer loyalty except for website design. The mediation effects of initial trust varied between high and low-involved consumers.

This study was conducted with e-banking users in one country using cross-sectional data. Hence, the model should be replicated among e-banking users in other countries and with the longitudinal data.

Establishing a loyal customer base is an important goal for banks. This study demonstrates which specific EBSQ dimensions banks should emphasize to enhance consumers’ initial trust and loyalty toward e-banking services.

This study suggests a moderated mediated mechanism for enhancing customer loyalty to e-banking, which incorporates initial trust as a mediator and consumer involvement as a moderator. It applies cognitive-motivation-relational theory to link EBSQ dimensions with customer loyalty. Thus, this study enables a better understanding of this theory in the e-banking context.

With the development of information technology, there is a growing trend for internet enterprises in China to launch internet-only banks. This paper aims to explore how the brand trust in an internet enterprise is transferred to the initial trust in its affiliated internet-only bank and how such transfer affects adoption behavior of potential internet-only banking users.

Data were obtained from online questionnaires via a well-known Chinese survey website and a popular Chinese social platform, which yielded 486 usable responses for the analysis. Partial least squares was used for testing hypotheses.

The results show that brand trust in the internet enterprise increases initial trust in its affiliated internet-only bank. This, in turn, enhances the adoption of internet-only banking. More importantly, these results show that brand trust in the internet enterprise transfers to initial trust in internet-only banking through performance expectancy and perceived risk. Further, the need for interaction moderates the relationship between brand trust and performance expectancy as well as the relationship between brand trust and perceived risk.

This study provides new insights into the mechanism by which trust is transferred between two affiliated business entities. The results of the study suggest several useful managerial implications for managing the internet-only banks.

The purpose of this paper is to examine the role of situation normality cues (online attributes of the e‐banking web site) and structural assurance cues (size and reputation of the bank, and quality of traditional service at the branch) in a consumer's evaluation of the trustworthiness of e‐banking and subsequent adoption behaviour.

Data were collected from a survey and a usable sample of 202 was obtained. Hierarchical moderated regression analysis was used to test the model.

Traditional service quality builds customer trust in the e‐banking service. The size and reputation of the bank were found to provide structural assurance to the customer but not in the absence of traditional service quality. Web site features that give customers confidence are significant situation normality cues.

Bank managers have to realise that good service at the branch is a necessary condition for the promotion of e‐banking. They cannot rely on bank size and reputation to “sell” e‐banking.

This is the first study that examines how traditional service quality and a bank's size and reputation influences trust in e‐banking.

The purpose of this paper is to understand the connection among trust’s antecedents, dimensions and consequences in the context of e-banking.

A survey of 510 and 122 respondents in Taiwan and New Zealand (NZ), respectively, was conducted.

The empirical results indicate that, first, not all trusts’ precursors the authors considered have significant influence on generating consumers’ trust and, second, that influential weights of these precursors on building consumer trust vary across consumers and cultures. Meanwhile, all factors on the e-banking side hold greatly significant influence on consumers’ trust in both NZ and Taiwan cases.

Practical and academic implications culled from the empirical results are discussed, and these implications may also be applicable to other information and communication technology (ICT) solutions and innovation banking services.

Before banks shift their focus on to trust resources of consumer side, banks are advised to create clients’ trust from e-banking side, such as situational normality and structural assurance.

This paper takes a holistic view to investigate the links between trust’s dimensions, antecedents and consequences in a single research structure, and the implications may also be applicable to other ICT solutions and innovative banking services.

This paper presents a decision-making framework for e-banking operations, based on the Quality Function Deployment and the Analytic Hierarchy Process. The main research question is the development of a framework and its potential contributions in supporting decision makers in implementing quality strategies that will encourage the usage of e-banking services (EBS).

The introduced framework comprises four distinct stages which include criteria determination, field surveys and EFA, QFD application including AHP and finally sensitivity analysis investigating the dynamic nature of the environment. AHP determines the intensity of the relationship between e-banking quality criteria and customer banking activities. A novel House of Quality (HoQ) is proposed, based on a market mix founded on key e-banking activities, and sensitivity analysis is used to investigate alternative scenarios. To illustrate the steps of applying this framework, the authors use a convenience sample from the Greek e-banking sector.

Through the illustrated example is supported that the proposed approach can reveal valuable information when contemplating strategies to improve e-banking usage and expand its acceptance. In addition, sensitivity analysis leads to purposeful insights regarding the effects of market segmentation and/or target settings on the ranking of e-banking quality/selection criteria provided by the HoQ. In the specific numerical example, the most critical quality factors were “Security and Reliability”, “Convenience”, “Design”, “Pricing” and “Skills,” although different rankings night well appear in different contexts or geographical regions. Moreover, sensitivity analysis showed that these results depend on the specific market mix and targets. As mentioned above, the implementation of the framework in different geographical regions or e-service sectors might certainly reveal different critical factors.

Discussed in the paper body.

Discussed in the paper body.

The paper presents a well-defined four stage framework for improving EBS penetration. It utilizes a structured qualitative and quantitative approach and outlines and ranks e-banking quality factors stemming from the market mix and allows assessment of alternative scenarios through sensitivity analysis.

The intangible nature of banking services enables financial institutions to deliver them through electronic channels. In addition, the interactive and continuous nature of banking services is conducive to relationship development. It would, therefore, be beneficial for the dyad to build exchange relationships online. This exploratory research investigates the effect of e‐banking on the development of retail relationships in Cyprus.

The perspective of both sides of the dyad is incorporated through face‐to‐face in‐depth interviews. The empirical base used is the Cypriot retail banking sector.

The findings suggest that in the specific context, e‐banking has a significant impact on relationship development, especially at the first stages of the developmental process, but it cannot substitute the other delivery channels.

In view of the contextuality of exchange relationships, it is recognised that the results may be context‐specific and as such, future research should investigate the impact of online delivery systems in alternative cultures and service settings.

The findings create a number of managerial implications, including the need for banks to invest both in e‐platforms and in the development of their employees, as well as the need to systematically appraise customer relationships.

The paper is of value to both academics and practitioners as it addresses the pressing need to investigate exchange relationships using a processual perspective and offers insights into the developmental process of Cypriot retail bank‐client relationships.

The purpose of this paper is to determine factors influencing customers’ usage of electronic banking (e-banking) services.

A survey was conducted to collect information from bank customers regarding their perceptions about e-banking services and their demographics. Multiple regression analysis is used to test the hypothesised relationships.

E-banking usage is found to be high for female, more educated, younger, and middle income customers. Among the 11 perceptual variables studied, only six variables, namely: information, performance, self-interest, service quality, satisfaction, and experience are found to be significantly and positively associated with e-banking usage.

This study identifies factors which may be focussed on by bankers during the formulation of their operations and marketing strategies to provide the best e-banking experience to their customers, enabling bankers to augment bank profitability through the strategic use of technologies.

Past studies have seldom examined the combined influence of demographics and other factors on e-banking services usage in the context of developing countries. Most of the earlier studies have considered single service or examined the adoption as only a binary variable.

This study aims to empirically explore e-banking service quality and its impact on the e-banking loyalty through a mediating impact of e-banking satisfaction. The account holders of three domestic systemically important banks of Pakistan were surveyed during COVID-19 to examine the electronic services provided by these banks.

The data was collected through an adapted questionnaire by using emails and messaging applications. The database of a local marketing company in Pakistan was used, and 976 responses were included in the analysis. The structured equation modeling was used to test the propositions of study.

The findings delineate that reliability and website design proved to increase e-banking loyalty, particularly during COVID-19. The link between e-banking privacy and security and e-banking loyalty was proved as fully mediated by e-banking satisfaction; however, indirect effect of the reliability and website design with e-banking loyalty was partially mediated.

In strategic planning of e-banking mechanisms and the associated consumer behavior, the results of this study can be helpful for policymakers. In case of similar epidemics and natural calamities, consumers may depict similar behavior as shown during the lockdown and social distancing during COVID-19; hence, the study can help regulatory bodies in preparing their safety roadmap.

The mediating effect of e-banking satisfaction between privacy & Security and e-banking loyalty implies that customer give importance to secure e-banking platforms. There can be a variation in their loyalty because of privacy concerns. The application of cognitive–motivational–relational (CMR) theory in a relationship between e-banking service quality and e-banking loyalty with a mediating role of satisfaction is an emotional response to capture the behavioral changes during COVID-19. It enables researchers to understand the CMR theory concerning COVID-19 and e-banking perspective.

Banks and financial services providers are increasingly delivering their services via electronic banking, also known as e-banking. Yet even though this type of delivery is now common, the degree of personalization in the services provided via this channel exhibit considerable variation. The purpose of this paper is to examine the impact of service personalization on consumer reaction to the e-banking service. Based on research of information and communication technology (ICT) service innovation and the Unified Theory of Acceptance and Use of Technology (UTAUT) model, this study further examines one contingent factor, compatibility with previous experience with e-banking. This study focuses on the interactions effect of personalization and technology compatibility on customer e-banking service usage.

A survey was conducted to investigate the impacts of personalization on e-banking usage decision process and the interactions between personalization and compatibility with past e-banking experience. Quota sampling was applied and different type of customers were approached in 30 branches of the commercial bank. Data were collected from a sample of 181 banking customers in a metropolitan region in southern China.

The results indicated that personalization leads to increased performance expectancy and decreased effort expectancy, which in turn lead to increasing intention to continue to use e-banking services. In addition, compatibility with previous e-banking experience and personalization produces an interaction effect on both performance expectancy and effort expectancy.

The theoretical contribution of this study is to demonstrate how the contingent factor of compatibility moderates the impact of personalization, thus extending the UTAUT model in the area of e-banking service adoption. Implications are twofold: personalization influences evaluations of both utility and ease of use, and the effect is magnified when compatibility with prior e-banking experience is factored into the model. This is an important extension and future research should examine whether the same relationship holds in other industries using new technologies to deliver services. The UTAUT model, after extension by including the moderating impact of compatibility, works well in demonstrating the impact of various factors on the adoption of a new technological delivery system for a service.

This study has two significant implications for managerial practices. First, the study sheds lights on the segmentation of e-banking customers. Modern marketers know that the best way to engage with consumers is through personal messaging strategies and should make great efforts to identify customers before trying to reach them. In the e-banking realm, consumer banking preferences keep changing. With a clear understanding of the different consumer banker segments, financial institutions can identify which channels appeal to them. For example, some users are more likely than average to use e-banking. Second, this study helps e-banking service provider design different personalized e-banking service for different customers.

This study sheds light on social value of personalization, particularly among those new to a delivery platform.

This study provides evidence demonstrating that personalization increases customer perceptions of performance expectancy and decreases effort expectancy, and that the effect is most profound for customers with limited level of perceived compatibility with past experience with e-banking. This paper extended the UTAUT model and research on ICT service innovation by providing more insights on the impacts of e-banking service personalization and the contingency impact of user’s background in e-banking context.

In the internet economy, the business model of web portals has spread rapidly over the last few years. Despite this, there have been very few scholarly investigations into the services and characteristics that transform a web site into a portal as well as into the dimensions that determine the customer's evaluation of the portal's service quality.

Based on an empirical study in the field of e‐banking, the authors validate a measurement model for the construct of web portal quality based on the following dimensions: security and trust, basic services quality, cross‐buying services quality, added value, transaction support and responsiveness.

The identified dimensions can reasonably be classified into three service categories: core services, additional services, and problem‐solving services.

The knowledge of these dimensions as major determinants of consumer's quality perception in the internet provides banks a promising starting point for establishing an effective quality management for their e‐businesses.