IDEAS home Printed from https://ideas.repec.org/a/aif/journl/v34y2024i1p117-131.html
   My bibliography  Save this article

Customer Trust and Satisfaction: Insights from Mobile Banking Sector in Bangladesh

Author

Listed:
  • Md. Abdur Rouf

    (Department of Marketing, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur-5200, Bangladesh.)

  • Humaira Begum

    (Department of Finance and Banking, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur-5200, Bangladesh.)

  • Md. Asaduzzaman Babu

    (Department of Marketing, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur-5200, Bangladesh.)

Abstract

The major objective of this study was to assess the level of customer satisfaction, with a specific focus on mediating role of trust on customer satisfaction. The study obtained its findings through the application of a structured equation model (SEM) using Amos version 24, based on the responses provided by a sample of 384 users of mobile banking. The research conducted revealed that there is a notable and affirmative correlation between System Quality, Information Quality, and Service Quality, and the level of trust. Trust is a mediating factor that exerts positive and significant effects on customer satisfaction. The independent variable exerts an indirect influence on customer satisfaction by means of trust. Mobile banking system has the potential to significantly contribute to the provision of financial services to individuals who lack access to traditional banking or have limited access, hence promoting financial inclusion and mitigating economic inequalities. Further research could be conducted in the same field by incorporating various mediating variables such as age, gender, occupation, and educational qualification, among others.

Suggested Citation

  • Md. Abdur Rouf & Humaira Begum & Md. Asaduzzaman Babu, 2024. "Customer Trust and Satisfaction: Insights from Mobile Banking Sector in Bangladesh," International Journal of Science and Business, IJSAB International, vol. 34(1), pages 117-131.
    • Handle: RePEc:aif:journl:v:34:y:2024:i:1:p:117-131
    as

    Download full text from publisher

    File URL: https://ijsab.com/wp-content/uploads/2339.pdf
    Download Restriction: no
    File URL: https://ijsab.com/volume-34-issue-1/6749
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Peter B. Seddon, 1997. "A Respecification and Extension of the DeLone and McLean Model of IS Success," Information Systems Research, INFORMS, vol. 8(3), pages 240-253, September.
    2. Motiwalla, Luvai F. & Albashrawi, Mousa & Kartal, Hasan B., 2019. "Uncovering unobserved heterogeneity bias: Measuring mobile banking system success," International Journal of Information Management, Elsevier, vol. 49(C), pages 439-451.
    3. Humaira Begum & Mouri Mehtaj & Md. Asaduzzaman Babu & Mst. Shamima Khatun, 2023. "Determinants of Employee Job Satisfaction: An Empirical Analysis of the Banking Sector in Bangladesh," International Journal of Science and Business, IJSAB International, vol. 25(1), pages 229-244.
    4. Lingling Gao & Kerem Aksel Waechter, 2017. "Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation," Information Systems Frontiers, Springer, vol. 19(3), pages 525-548, June.
    5. Alzaidi, Maram Saeed & Agag, Gomaa, 2022. "The role of trust and privacy concerns in using social media for e-retail services: The moderating role of COVID-19," Journal of Retailing and Consumer Services, Elsevier, vol. 68(C).
    6. Ghazal Shams & Mohsin Abdur Rehman & Sarminah Samad & Eeva-Liisa Oikarinen, 2020. "Exploring customer’s mobile banking experiences and expectations among generations X, Y and Z," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 25(1), pages 1-13, June.
    7. Pal, Abhipsa & Herath, Tejaswini & De', Rahul & Raghav Rao, H., 2021. "Why do people use mobile payment technologies and why would they continue? An examination and implications from India," Research Policy, Elsevier, vol. 50(6).
    8. Ciunova-Shuleska, Anita & Palamidovska-Sterjadovska, Nikolina & Prodanova, Jana, 2022. "What drives m-banking clients to continue using m-banking services?," Journal of Business Research, Elsevier, vol. 139(C), pages 731-739.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Sharma, Manisha & Banerjee, Subhojit & Paul, Justin, 2022. "Role of social media on mobile banking adoption among consumers," Technological Forecasting and Social Change, Elsevier, vol. 180(C).
    2. Allicia Deana Santosa & Nuryanti Taufik & Faizal Haris Eko Prabowo & Mira Rahmawati, 2021. "Continuance intention of baby boomer and X generation as new users of digital payment during COVID-19 pandemic using UTAUT2," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 26(4), pages 259-273, December.
    3. Zhong, Junying & Chen, Tiao, 2023. "Antecedents of mobile payment loyalty: An extended perspective of perceived value and information system success model," Journal of Retailing and Consumer Services, Elsevier, vol. 72(C).
    4. Cheng, Junjun & Chen, Bo & Huang, Zihang, 2023. "Collective-based ad transparency in targeted hotel advertising: Consumers’ regulatory focus underlying the crowd safety effect," Journal of Retailing and Consumer Services, Elsevier, vol. 72(C).
    5. Olayinka David-West & Oluwasola Oni & Folajimi Ashiru, 2022. "Diffusion of Innovations: Mobile Money Utility and Financial Inclusion in Nigeria. Insights from Agents and Unbanked Poor End Users," Information Systems Frontiers, Springer, vol. 24(6), pages 1753-1773, December.
    6. Tsung Teng Chen, 2012. "The development and empirical study of a literature review aiding system," Scientometrics, Springer;Akadémiai Kiadó, vol. 92(1), pages 105-116, July.
    7. Abdesamad Zouine & Pierre Fenies, 2014. "The Critical Success Factors Of The ERP System Project: A Meta-Analysis Methodology," Post-Print hal-01419785, HAL.
    8. Dwiza Riana & Achmad Nizar Hidayanto & Sri Hadianti & Darmawan Napitupulu, 2021. "Integrative Factors of E-Health Laboratory Adoption: A Case of Indonesia," Future Internet, MDPI, vol. 13(2), pages 1-27, January.
    9. Park, JungKun & Ahn, Jiseon & Thavisay, Toulany & Ren, Tianbao, 2019. "Examining the role of anxiety and social influence in multi-benefits of mobile payment service," Journal of Retailing and Consumer Services, Elsevier, vol. 47(C), pages 140-149.
    10. Alalwan, Ali Abdallah & Baabdullah, Abdullah M. & Rana, Nripendra P. & Tamilmani, Kuttimani & Dwivedi, Yogesh K., 2018. "Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust," Technology in Society, Elsevier, vol. 55(C), pages 100-110.
    11. Landrum, Hollis & Prybutok, Victor R., 2004. "A service quality and success model for the information service industry," European Journal of Operational Research, Elsevier, vol. 156(3), pages 628-642, August.
    12. Song, Lianlian & Hu, Baixue & Mou, Jian, 2021. "Investigating consumer binge-watching behavior: A valence framework perspective," Journal of Retailing and Consumer Services, Elsevier, vol. 62(C).
    13. Abhipsa Pal & Tejaswini Herath & Rahul De’ & H. Raghav Rao, 2021. "Is the Convenience Worth the Risk? An Investigation of Mobile Payment Usage," Information Systems Frontiers, Springer, vol. 23(4), pages 941-961, August.
    14. Sanduni I. Senaratne & Samantha M. Samarasinghe, 2019. "Factors Affecting the Intention to Adopt M-Learning," International Business Research, Canadian Center of Science and Education, vol. 12(2), pages 150-164, February.
    15. Masoner, Michael M. & Lang, Sandra S. & Melcher, Arlyn J., 2011. "A meta-analysis of information system success: A reconsideration of its dimensionality," International Journal of Accounting Information Systems, Elsevier, vol. 12(2), pages 136-141.
    16. Lawrence, Michael & Goodwin, Paul & Fildes, Robert, 2002. "Influence of user participation on DSS use and decision accuracy," Omega, Elsevier, vol. 30(5), pages 381-392, October.
    17. Un-Kon Lee, 2017. "International Tourism Advertisements on Social Media: Impact of Argument Quality and Source," Sustainability, MDPI, vol. 9(9), pages 1-18, August.
    18. Jung-Yu Lai & Juite Wang, 2018. "Exploring the impacts of perceived e-collaboration service convenience on new product development in Taiwanese IC design companies," Information Technology and Management, Springer, vol. 19(2), pages 107-120, June.
    19. repec:thr:techub:1009:y:2020:i:1:p:397-404 is not listed on IDEAS
    20. Byrd, Terry Anthony & Thrasher, Evelyn H. & Lang, Teresa & Davidson, Nancy W., 2006. "A process-oriented perspective of IS success: Examining the impact of IS on operational cost," Omega, Elsevier, vol. 34(5), pages 448-460, October.
    21. Chi-Yo Huang & Hui-Ya Wang & Chia-Lee Yang & Steven J. H. Shiau, 2020. "A Derivation of Factors Influencing the Diffusion and Adoption of an Open Source Learning Platform," Sustainability, MDPI, vol. 12(18), pages 1-27, September.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:aif:journl:v:34:y:2024:i:1:p:117-131. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Farjana Rahman (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.