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Citation

Joseph M, Sekhon Y, Stone G & Tinson J (2005) An exploratory study on the use of banking technology in the UK: A ranking of importance of selected technology on consumer perception of service delivery performance. International Journal of Bank Marketing, 23 (5), pp. 397-413. https://doi.org/10.1108/02652320510612474

Abstract
Purpose - The current exploratory study is an attempt to discover the underlying areas of dissatisfaction associated with the banking experience in the UK, particularly as it relates to the implementation of new service delivery technology in the banking industry. Design/methodology/approach - The data for this study was collected in two stages. In stage one, three focus groups were conducted using bank customers from the southern part of the USA to generate items important to users of financial services in the USA. These items were then considered by a number of bank customers in the UK (Bristol and Bournemouth area) to insure equivalence of constructs and measurements. Stage two involved distributing 300 surveys to a convenience sample of electronic banking customers from the sampling area of interest in the UK. In order to qualify, respondents had to have used one of the available electronic banking services offered by the bank at least once during the previous month. Findings - The importance-performance grid demonstrates that two of the factors and their underlying attributes fall into the "Keep up the good work" quadrant and the other two factors fall into the "Low priority" quadrant. The first two are areas the organization needs to allocate resources in order to maintain the level of service they provide their clients. From a strategic point of view, this grid provides a tool for strategy development as it gives a clear picture of the factors that are critical for resource allocation. Research limitations/implications - The primary limitation of this study is the scope and size of its sample. Nonetheless, the study does provide evidence for the development and use of the I-P grid for preliminary identification and assessment of customer measures of service quality. Originality/value - By demonstrating the feasibility of the approach taken by the study, it should be possible for financial institutions to utilize similar procedures when evaluating the overall satisfaction levels of their customers' banking experience. It also allows service providers to consider the changing needs and wants of customers' in the financial sector.

Keywords
Banking; Consumer behaviour; Electronic commerce; Financial services; Service delivery; United Kingdom

Journal
International Journal of Bank Marketing: Volume 23, Issue 5