메뉴 건너뛰기




Volumn 2, Issue 3, 2011, Pages 203-224

Service quality and customer satisfaction in the banking sector: A comparative study of conventional and Islamic banks in Pakistan

Author keywords

AHP; Customer satisfaction; Islamic banking; Islamic financial services marketing; Pakistan; Service quality

Indexed keywords


EID: 84866028025     PISSN: 17590833     EISSN: 17590841     Source Type: Journal    
DOI: 10.1108/17590831111164750     Document Type: Article
Times cited : (72)

References (55)
  • 2
    • 78449273013 scopus 로고    scopus 로고
    • Islamic banking experience of Pakistan: comparison of Islamic and conventional banks
    • Ahmad, A., Rehman, K. and Saif, M.I. (2010), “Islamic banking experience of Pakistan: comparison of Islamic and conventional banks”, International Journal of Business and Management, Vol. 5 No. 2, pp. 137-44.
    • (2010) International Journal of Business and Management , vol.5 , Issue.2 , pp. 137-144
    • Ahmad, A.1    Rehman, K.2    Saif, M.I.3
  • 3
    • 84993099515 scopus 로고
    • The antecedents and consequences of customer satisfaction for firms
    • Anderson, E.A. and Sullivan, M.W. (1993), “The antecedents and consequences of customer satisfaction for firms”, Marketing Science, Vol. 12, Spring, pp. 125-43.
    • (1993) Marketing Science , vol.12 , pp. 125-143
    • Anderson, E.A.1    Sullivan, M.W.2
  • 4
    • 0002726461 scopus 로고
    • Consumer dissatisfaction, the effect of disconfirmed expectancy on perceived product performance
    • Anderson, R.E. (1973), “Consumer dissatisfaction, the effect of disconfirmed expectancy on perceived product performance”, Journal of Marketing Research, Vol. 10, February, pp. 38-44.
    • (1973) Journal of Marketing Research , vol.10 , pp. 38-44
    • Anderson, R.E.1
  • 5
    • 84986078184 scopus 로고    scopus 로고
    • SERVQUAL revisited: a critical review of service quality
    • Asubonteng, P., McCleary, K.J. and Swan, J.E. (1996), “SERVQUAL revisited: a critical review of service quality”, Journal of Services Marketing, Vol. 10 No. 6, pp. 62-81.
    • (1996) Journal of Services Marketing , vol.10 , Issue.6 , pp. 62-81
    • Asubonteng, P.1    McCleary, K.J.2    Swan, J.E.3
  • 6
    • 0002131825 scopus 로고
    • Adapting the SERVQUAL scale to health care environment: an empirical assessment
    • in Bloom, P., Weitz, B., Winer, R., Spekman, R.E., Kassarjian, H.H., Mahajan, V., Scammon, D.L. and Leay, M. (Eds) American Marketing Association, Chicago, IL
    • Babakus, E. and Mangold, W.G. (1989), “Adapting the SERVQUAL scale to health care environment: an empirical assessment”, in Bloom, P., Weitz, B., Winer, R., Spekman, R.E., Kassarjian, H.H., Mahajan, V., Scammon, D.L. and Leay, M. (Eds), AMA Summer Educators' Proceedings: Enhancing Knowledge Development in Marketing, American Marketing Association, Chicago, IL.
    • (1989) AMA Summer Educators' Proceedings: Enhancing Knowledge Development in Marketing
    • Babakus, E.1    Mangold, W.G.2
  • 7
    • 0005494979 scopus 로고
    • Relationship banking: the art of turning customers into clients
    • Berry, L.L. and Thompson, T.W. (1982), “Relationship banking: the art of turning customers into clients”, Journal of Retail Banking, June, pp. 64-73.
    • (1982) Journal of Retail Banking , pp. 64-73
    • Berry, L.L.1    Thompson, T.W.2
  • 8
    • 0002866667 scopus 로고
    • Evaluating service encounters: the effects of physical surroundings and employee response
    • Bitner, M.J. (1990), “Evaluating service encounters: the effects of physical surroundings and employee response”, Journal of Marketing, Vol. 54, April, pp. 69-82.
    • (1990) Journal of Marketing , vol.54 , pp. 69-82
    • Bitner, M.J.1
  • 9
    • 70350295705 scopus 로고
    • Encounter satisfaction versus overall satisfaction versus quality
    • in Rust, R.T. and Oliver, R.L. (Eds) Sage, Thousand Oaks, CA
    • Bitner, M.J. and Hubbert, A.R. (1994), “Encounter satisfaction versus overall satisfaction versus quality”, in Rust, R.T. and Oliver, R.L. (Eds), Service Quality: New Directions in Theory and Practice, Sage, Thousand Oaks, CA, pp. 72-94.
    • (1994) Service Quality: New Directions in Theory and Practice , pp. 72-94
    • Bitner, M.J.1    Hubbert, A.R.2
  • 10
    • 0041356003 scopus 로고
    • A generic framework for managing quality improvement: theory and practice
    • Boaden, R.J. and Dale, B.G. (1994), “A generic framework for managing quality improvement: theory and practice”, Quality Management Journal, Vol. 1 No. 4, pp. 11-29.
    • (1994) Quality Management Journal , vol.1 , Issue.4 , pp. 11-29
    • Boaden, R.J.1    Dale, B.G.2
  • 11
    • 84993078610 scopus 로고
    • A dynamic model of service quality: from expectations to behavioral intentions
    • Boulding, W., Kalra, A., Staelin, R. and Zeithaml, V. (1993), “A dynamic model of service quality: from expectations to behavioral intentions”, Journal of Marketing Research, Vol. 30 No. 2, pp. 7-27.
    • (1993) Journal of Marketing Research , vol.30 , Issue.2 , pp. 7-27
    • Boulding, W.1    Kalra, A.2    Staelin, R.3    Zeithaml, V.4
  • 12
    • 84993099532 scopus 로고
    • Consumer perceptions of service quality: an assessment of the SERVQUAL dimensions
    • Carman, J.M. (1990), “Consumer perceptions of service quality: an assessment of the SERVQUAL dimensions”, Journal of Retailing, Vol. 66 No. 1, pp. 33-5.
    • (1990) Journal of Retailing , vol.66 , Issue.1 , pp. 33-35
    • Carman, J.M.1
  • 13
    • 0031493548 scopus 로고    scopus 로고
    • Service encounter dimensions - a dyadic perspective: measuring the dimensions of service encounters as perceived by customers and personnel
    • Chandon, J.-L., Leo, P.Y. and Philippe, J. (1997), “Service encounter dimensions - a dyadic perspective: measuring the dimensions of service encounters as perceived by customers and personnel”, International Journal of Service Industry Management, Vol. 8 No. 1, pp. 65-86.
    • (1997) International Journal of Service Industry Management , vol.8 , Issue.1 , pp. 65-86
    • Chandon, J.-L.1    Leo, P.Y.2    Philippe, J.3
  • 14
    • 0000375425 scopus 로고
    • An investigation into the determinants of consumer satisfaction
    • Churchill, G. Jr and Carol, S. (1982), “An investigation into the determinants of consumer satisfaction”, Journal of Marketing Research, Vol. 19, pp. 491-504.
    • (1982) Journal of Marketing Research , vol.19 , pp. 491-504
    • Churchill, G.1    Carol, S.2
  • 15
    • 0002381637 scopus 로고
    • Measuring service quality: a reexamination and extension
    • Cronin, J.J. and Taylor, S.A. (1992), “Measuring service quality: a reexamination and extension”, Journal of Marketing, Vol. 56, July, pp. 55-68.
    • (1992) Journal of Marketing , vol.56 , pp. 55-68
    • Cronin, J.J.1    Taylor, S.A.2
  • 16
    • 0030527488 scopus 로고    scopus 로고
    • A measure of service quality for retail stores: scale development and validation
    • Dabholkar, P.A., Dayle, I.T. and Joseph, O.R. (1996), “A measure of service quality for retail stores: scale development and validation”, Journal of the Academy of Marketing Science, Vol. 24, pp. 3-16.
    • (1996) Journal of the Academy of Marketing Science , vol.24 , pp. 3-16
    • Dabholkar, P.A.1    Dayle, I.T.2    Joseph, O.R.3
  • 17
    • 0001549659 scopus 로고    scopus 로고
    • A comprehensive framework for service quality: an investigation of critical conceptual and measurement issues through a longitudinal study
    • Dabholkar, P.A., Shepherd, C.D. and Thorpe, D.I. (2000), “A comprehensive framework for service quality: an investigation of critical conceptual and measurement issues through a longitudinal study”, Journal of Retailing, Vol. 76 No. 2, pp. 139-73.
    • (2000) Journal of Retailing , vol.76 , Issue.2 , pp. 139-173
    • Dabholkar, P.A.1    Shepherd, C.D.2    Thorpe, D.I.3
  • 18
    • 0032327411 scopus 로고    scopus 로고
    • How disconfirmation, perception and actual waiting times impact customer satisfaction
    • Davis, M.M. and Heineke, J. (1998), “How disconfirmation, perception and actual waiting times impact customer satisfaction”, International Journal of Service Industry Management, Vol. 9, pp. 64-73.
    • (1998) International Journal of Service Industry Management , vol.9 , pp. 64-73
    • Davis, M.M.1    Heineke, J.2
  • 19
    • 84986149529 scopus 로고    scopus 로고
    • Enhancing service personnel effectiveness through the use of behavioral repertoires
    • Dobni, D., Zerbe, W. and Ritchie, J.R.B. (1997), “Enhancing service personnel effectiveness through the use of behavioral repertoires”, Journal of Services Marketing, Vol. 11 No. 6, pp. 427-45.
    • (1997) Journal of Services Marketing , vol.11 , Issue.6 , pp. 427-445
    • Dobni, D.1    Zerbe, W.2    Ritchie, J.R.B.3
  • 20
    • 0001649133 scopus 로고
    • An evaluation of the SERVQUAL scales in a retailing setting
    • in Holman, R. and Soloman, M.R. (Eds) Association for Consumer Research, Provo, UT
    • Finn, D.W. and Lamb, C.W. (1991), “An evaluation of the SERVQUAL scales in a retailing setting”, in Holman, R. and Soloman, M.R. (Eds), Advances in Consumer Research, Association for Consumer Research, Provo, UT, pp. 483-90.
    • (1991) Advances in Consumer Research , pp. 483-490
    • Finn, D.W.1    Lamb, C.W.2
  • 21
    • 84869571048 scopus 로고
    • A service quality model and its marketing implications
    • Grönroos, C. (1984), “A service quality model and its marketing implications”, European Journal of Marketing, Vol. 18 No. 4, pp. 36-44.
    • (1984) European Journal of Marketing , vol.18 , Issue.4 , pp. 36-44
    • Grönroos, C.1
  • 23
    • 0040372707 scopus 로고
    • Branch networks and alternative distribution channels: threats and opportunities
    • Howcroft, B. (1993), “Branch networks and alternative distribution channels: threats and opportunities”, International Journal of Bank Marketing, Vol. 11 No. 6, pp. 26-31.
    • (1993) International Journal of Bank Marketing , vol.11 , Issue.6 , pp. 26-31
    • Howcroft, B.1
  • 24
    • 11344267373 scopus 로고    scopus 로고
    • The role of followers in the charismatic leadership process: relationships and their consequences
    • Howell, J.M. and Shamir, B. (2005), “The role of followers in the charismatic leadership process: relationships and their consequences”, Academy of Management Review, Vol. 30 No. 1, pp. 96-112.
    • (2005) Academy of Management Review , vol.30 , Issue.1 , pp. 96-112
    • Howell, J.M.1    Shamir, B.2
  • 25
    • 0041938040 scopus 로고
    • Measuring service quality in Singapore retail banking: a gap analysis and segmentation approach
    • Kwan, W. and Hee, T.J. (1994), “Measuring service quality in Singapore retail banking: a gap analysis and segmentation approach”, Singapore Management Review, Vol. 16 No. 2, pp. 1-24.
    • (1994) Singapore Management Review , vol.16 , Issue.2 , pp. 1-24
    • Kwan, W.1    Hee, T.J.2
  • 26
    • 0009070952 scopus 로고
    • An empirical study of major segmentation issues in retail banking?
    • Laroche, M. and Taylor, T. (1988), “An empirical study of major segmentation issues in retail banking?”, International Journal of Bank Marketing, Vol. 6 No. 1, pp. 31-48.
    • (1988) International Journal of Bank Marketing , vol.6 , Issue.1 , pp. 31-48
    • Laroche, M.1    Taylor, T.2
  • 27
    • 84970869593 scopus 로고
    • Customers' perceptions of service quality in financial institutions
    • LeBlanc, G. and Nguyen, N. (1988), “Customers' perceptions of service quality in financial institutions”, International Journal of Bank Marketing, Vol. 6 No. 4, pp. 7-18.
    • (1988) International Journal of Bank Marketing , vol.6 , Issue.4 , pp. 7-18
    • LeBlanc, G.1    Nguyen, N.2
  • 28
    • 79953704639 scopus 로고
    • Service quality: a study of quality dimensions
    • Service Management Institute, Helsinki
    • Lehtinen, U. and Lehtinen, J.R. (1982), “Service quality: a study of quality dimensions”, working paper, Service Management Institute, Helsinki.
    • (1982) working paper
    • Lehtinen, U.1    Lehtinen, J.R.2
  • 29
    • 0002531011 scopus 로고
    • Quality in the service sector: a review
    • Lewis, B.R. (1989), “Quality in the service sector: a review”, International Journal of Bank Marketing, Vol. 7 No. 5, pp. 4-12.
    • (1989) International Journal of Bank Marketing , vol.7 , Issue.5 , pp. 4-12
    • Lewis, B.R.1
  • 30
    • 0041678390 scopus 로고
    • Service quality: an international comparison of bank customers' expectations and perceptions
    • Lewis, B.R. (1991), “Service quality: an international comparison of bank customers' expectations and perceptions”, Journal of Marketing Management, Vol. 7, pp. 47-62.
    • (1991) Journal of Marketing Management , vol.7 , pp. 47-62
    • Lewis, B.R.1
  • 32
    • 84967594952 scopus 로고
    • International services marketing: a comparative evaluation of the dimensions of service quality between developed and developing countries
    • Malhotra, N.K., Francis, M., Ugaldo, J.A. and Imad, B. (1994), “International services marketing: a comparative evaluation of the dimensions of service quality between developed and developing countries”, International Marketing Review, Vol. 11 No. 2, pp. 5-15.
    • (1994) International Marketing Review , vol.11 , Issue.2 , pp. 5-15
    • Malhotra, N.K.1    Francis, M.2    Ugaldo, J.A.3    Imad, B.4
  • 33
    • 3242863825 scopus 로고    scopus 로고
    • Managers should optimize rather than maximize performance to enhance patient satisfaction
    • Mittal, V. and Baldasare, P. (1996), “Managers should optimize rather than maximize performance to enhance patient satisfaction”, Journal of Health Care Marketing, Vol. 16 No. 4, pp. 24-37.
    • (1996) Journal of Health Care Marketing , vol.16 , Issue.4 , pp. 24-37
    • Mittal, V.1    Baldasare, P.2
  • 34
    • 84986172349 scopus 로고    scopus 로고
    • Islamic banking: a study of customer satisfaction and preferences in Jordan
    • Naser, K., Jamal, A. and Al-Khatib, K. (1999), “Islamic banking: a study of customer satisfaction and preferences in Jordan”, International Journal of Bank Marketing, Vol. 17 No. 3, pp. 135-50.
    • (1999) International Journal of Bank Marketing , vol.17 , Issue.3 , pp. 135-150
    • Naser, K.1    Jamal, A.2    Al-Khatib, K.3
  • 36
    • 0002091787 scopus 로고
    • Consumer expectations, product performance, and perceived product quality
    • Olshavsky, R.W. and Miller, J.A. (1972), “Consumer expectations, product performance, and perceived product quality”, Journal of Marketing Research, Vol. 9, pp. 19-21.
    • (1972) Journal of Marketing Research , vol.9 , pp. 19-21
    • Olshavsky, R.W.1    Miller, J.A.2
  • 37
    • 0442325777 scopus 로고    scopus 로고
    • Customer service in business-to-business markets: an agenda for research
    • Parasuraman, A. (1998), “Customer service in business-to-business markets: an agenda for research”, The Journal of Business & Industrial Marketing, Vol. 13 No. 4, p. 309.
    • (1998) The Journal of Business & Industrial Marketing , vol.13 , Issue.4 , pp. 309
    • Parasuraman, A.1
  • 38
    • 84993037522 scopus 로고
    • A conceptual model of service quality in its implications for future research
    • Parasuraman, A., Zeithaml, V.A. and Berry, L.L. (1985), “A conceptual model of service quality in its implications for future research”, Journal of Marketing, Vol. 49, Fall, pp. 41-50.
    • (1985) Journal of Marketing , vol.49 , pp. 41-50
    • Parasuraman, A.1    Zeithaml, V.A.2    Berry, L.L.3
  • 39
    • 0002345345 scopus 로고
    • Service quality: insights and managerial implications from the frontier
    • in Rust, R.T. and Oliver, R.L. (Eds) Sage, New York, NY
    • Rust, R.T. and Oliver, R.L. (1994), “Service quality: insights and managerial implications from the frontier”, in Rust, R.T. and Oliver, R.L. (Eds), Service Quality: New Directions in Theory and Practice, Sage, New York, NY, pp. 1-19.
    • (1994) Service Quality: New Directions in Theory and Practice , pp. 1-19
    • Rust, R.T.1    Oliver, R.L.2
  • 43
    • 20444404186 scopus 로고
    • Customer care in financial service organizations
    • Smith, A.M. and Lewis, B.R. (1989), “Customer care in financial service organizations”, International Journal of Bank Marketing, Vol. 7 No. 5, pp. 13-22.
    • (1989) International Journal of Bank Marketing , vol.7 , Issue.5 , pp. 13-22
    • Smith, A.M.1    Lewis, B.R.2
  • 44
    • 0030161598 scopus 로고    scopus 로고
    • An empirical examination of a model of perceived service quality and satisfaction
    • Spreng, R.A. and MacKoy, R.D. (1996), “An empirical examination of a model of perceived service quality and satisfaction”, Journal of Retailing, Vol. 72 No. 2, pp. 201-14.
    • (1996) Journal of Retailing , vol.72 , Issue.2 , pp. 201-214
    • Spreng, R.A.1    MacKoy, R.D.2
  • 45
    • 0003186215 scopus 로고
    • An empirical assessment of the SERVQUAL scale and the relationship between service quality and satisfaction
    • Michigan State University, Tennessee, TN
    • Spreng, R.A. and Singh, A.K. (1993), “An empirical assessment of the SERVQUAL scale and the relationship between service quality and satisfaction”, unpublished manuscript, Michigan State University, Tennessee, TN.
    • (1993) unpublished manuscript
    • Spreng, R.A.1    Singh, A.K.2
  • 46
    • 23044524820 scopus 로고    scopus 로고
    • Customer satisfaction: a meta-analysis of the empirical evidence
    • Szymanski, D.M. and Henard, D.H. (2001), “Customer satisfaction: a meta-analysis of the empirical evidence”, Journal of Academy of Marketing Science, Vol. 29, pp. 16-35.
    • (2001) Journal of Academy of Marketing Science , vol.29 , pp. 16-35
    • Szymanski, D.M.1    Henard, D.H.2
  • 47
    • 43949153571 scopus 로고
    • An assessment of the relationship between service quality and customer satisfaction in the formation of consumers' purchase intentions
    • Taylor, S.A. and Baker, T.L. (1994), “An assessment of the relationship between service quality and customer satisfaction in the formation of consumers' purchase intentions”, Journal of Retailing, Vol. 70 No. 2, pp. 163-78.
    • (1994) Journal of Retailing , vol.70 , Issue.2 , pp. 163-178
    • Taylor, S.A.1    Baker, T.L.2
  • 48
    • 17244375174 scopus 로고
    • Expectations, performance evaluation, and consumers' perceptions of quality
    • Teas, R.K. (1993), “Expectations, performance evaluation, and consumers' perceptions of quality”, Journal of Marketing, Vol. 57, October, pp. 18-34.
    • (1993) Journal of Marketing , vol.57 , pp. 18-34
    • Teas, R.K.1
  • 49
    • 1842535651 scopus 로고
    • Measurement of customer perceptions of the retail bank service delivery system
    • Teas, R.K. and Wong, J. (1991), “Measurement of customer perceptions of the retail bank service delivery system”, Journal of Marketing, Management, Vol. 7, pp. 147-67.
    • (1991) Journal of Marketing, Management , vol.7 , pp. 147-167
    • Teas, R.K.1    Wong, J.2
  • 52
    • 0003124651 scopus 로고
    • Developing better measures of consumer satisfaction: some preliminary results
    • in Monrow, K.B. (Ed.) Association for Consumer Research, Ann Arbor, MI
    • Westbrook, R.A. and Oliver, R.L. (1981), “Developing better measures of consumer satisfaction: some preliminary results”, in Monrow, K.B. (Ed.), Advances in Consumer Research, Association for Consumer Research, Ann Arbor, MI, pp. 94-9.
    • (1981) Advances in Consumer Research , pp. 94-99
    • Westbrook, R.A.1    Oliver, R.L.2
  • 53
    • 0001639013 scopus 로고
    • Value-percept disparity: an alternative to the disconfirmation of expectation theory of consumer satisfaction
    • Westbrook, R.A. and Reilly, M.D. (1983), “Value-percept disparity: an alternative to the disconfirmation of expectation theory of consumer satisfaction”, Advances in Consumer Research, Vol. 10, pp. 256-61.
    • (1983) Advances in Consumer Research , vol.10 , pp. 256-261
    • Westbrook, R.A.1    Reilly, M.D.2
  • 54
    • 84949401986 scopus 로고
    • TQM and the management of labour
    • Wilkinson, A., Allen, P. and Snape, E. (1991), “TQM and the management of labour”, Employee Relations, Vol. 13 No. 1, pp. 24-31.
    • (1991) Employee Relations , vol.13 , Issue.1 , pp. 24-31
    • Wilkinson, A.1    Allen, P.2    Snape, E.3


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.