Does The Banking Information System Affect Customer Satisfaction and Loyalty?
DOI:
https://doi.org/10.14421/EkBis.2020.4.1.1244Keywords:
Banking Information System, Islamic Banking, Internet Banking, Satisfaction, Loyality.Abstract
This research examines customer satisfaction and loyalty in Islamic banking in the use of internet banking. The research was conducted based on the increase in e-banking users in Islamic banking in Indonesia. E-banking is one of the banking information system services needed today. The research method was carried out using the method of Structural Equation Modeling (SEM) through AMOS and SPSS software. Meanwhile, data collection is carried out through an online survey via a google form. The online survey found 154 respondents of which 27% were from Central Java Province and 47% from the Special Region of Yogyakarta with simple random analysis sample analysis. This study shows that internet banking adoption has a significant effect on customers in Islamic banking, while satisfaction is very large in mediating the relationship between internet banking use and customer loyalty in Islamic banking. Theoretically, this study implies that the banking information system, especially in internet banking, plays an important role in providing service and satisfaction and has a significant effect on customer loyalty.
Downloads
References
Aghdaie, S. F. A., Karimi, R., & Abasaltian, A. (2015). The Evaluation of Effect Electronic Banking in Customer Satisfaction and Loyalty. International Journal of Marketing Studies, 7(2).
Al-alak, B. A. (2014). Impact of marketing activities on relationship quality in the Malaysian banking sector. Journal of Retailing and Consumer Services, 21(3), 347–356.
Amin, M. (2016). Internet banking service quality and its implication on e-customer satisfaction and e-customer loyalty. International Journal of Bank Marketing, 34(3), 280–306.
Anderson, R. E., & Srinivasan, S. S. (2003). E-Satisfaction and E-Loyalty: A Contingency Framework. Psychology and Marketing, 20(2), 123–138.
Bentler, P. M. (1990). Comparative fit indexes in structural models. Psychological Bulletin, 107(2), 238–246.
Black, H. G., Childers, C. Y., & Vincent, L. H. (2014). Service characteristics’ impact on key service quality relationships: a meta-analysis. Journal of Services Marketing, 28(4), 276–291.
Dahlstrom, R., Nygaard, A., Kimasheva, M., & Ulvnes, A. M. (2014). How to recover trust in the banking industry? A game theory approach to empirical analyses of bank and corporate customer relationships. International Journal of Bank Marketing, 32(4), 268–278.
DeYoung, R., Lang, W. W., & Nolle, D. L. (2007). How the Internet affects output and performance at community banks. Journal of Banking and Finance, 31(4), 1033–1060.
Furst, K., Nolle, D. E., & Robertson, D. (1998). InternetTechnological Innovation in Banking and Payments: Industry Trends and Implications for Banks. Quarterly Journal, Office of the Comptroller of the Currency, 17(4), 25–30.
George, A., & Kumar, G. S. G. (2014). Impact of service quality dimensions in internet banking on customer satisfaction. Decision, 41(1), 73–85.
George, D., & Mallery, P. (2010). SPSS for Windows Step by Step: A Simple Guide and Reference 17.0 Update (10th Editi). Pearson.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis. In Vectors (p. 816).
Hair, J. F., Hult, T., Ringle, C., & Sarstedt, M. (2014). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Thousand Oaks, CA: Sage Publications, Inc.
Hu, L., & Bentler, P. M. (1999). Cutoff criteria for fit indexes in covariance structure analysis: Conventional criteria versus new alternatives. Structural Equation Modeling: A Multidisciplinary Journal, 6(1), 1–55.
Jonker, J., & Pennink, B. (2009). The Essence of Research Methodology. Springer Berlin Heidelberg.
Jöreskog, K. G. (1969). A general approach to confirmatory maximum likelihood factor analysis. Psychometrika, 34(2), 183–202.
Malik, S. A., Akhtar, F., Raziq, M. M., & Ahmad, M. (2020). Measuring service quality perceptions of customers in the hotel industry of Pakistan. Total Quality Management and Business Excellence, 31(3–4), 263–278.
Mols, N. P. (2000). The Internet and services marketing - The case of Danish retail banking. Internet Research, 10(1), 7–18.
Musiime, A., & Ramadhan, M. (2011). Internet banking, consumer adoption and customer satisfaction. African Journal of Marketing Management, 3(10), 261–269.
Nunnally, C, J., & Bernstein, H, I. (1994). Psychometric Theory. McGraw-Hill.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: An extension of the technology acceptance model. Internet Research, 14(3), 224–235.
QIRICI, E., THEODHORI, O., & ELMAZI, L. (2014). E- Marketing and Ict- Supported Tourist Destination Management. Implications for Tourism Industry in Global Recession. International Journal of Management Cases, 13(3), 152–158.
Rust, R. T., & Oliver, R. W. (1994). Notes and comments: The death of advertising. Journal of Advertising, 23(4), 71–77.
Shankar, V., Smith, A. K., & Rangaswamy, A. (2003). Customer satisfaction and loyalty in online and offline environments. International Journal of Research in Marketing, 20(2), 153–175.
Tanaka, J. (1993). Multifaceted Conceptions of Fit in Structural Equation Models. Sage Focus Editions.
Ul Haq, I., & Awan, T. M. (2020). Impact of e-banking service quality on e-loyalty in pandemic times through interplay of e-satisfaction. Vilakshan – XIMB Journal of Management, ahead-of-print(ahead-of-print).
Versteeg, G., & Bouwman, H. (2006). Business architecture: A new paradigm to relate business strategy to ICT. Information Systems Frontiers, 8(2), 91–102.
Vilaseca-Requena, J., Torrent-Sellens, J., & Jiménez-Zarco, A. I. (2007). ICT use in marketing as innovation success factor: Enhancing cooperation in new product development processes. European Journal of Innovation Management, 10(2), 268–288.
Yi, L., & Thomas, H. R. (2007). A review of research on the environmental impact of e-business and ICT. Environment International, 33(6), 841–849.
Zachman, J. A. (1999). Framework for information systems architecture. IBM Systems Journal, 38(2), 454–470.