The Effects of Self-Service Web Portals on Online Banking Service Quality: A Theoretical Model

Abstract

Advances in the capabilities of information technologies and the desire for accelerated business innovations are motivating services firms, such as banks, to reengineer their existing business processes and activities and develop newer business models. The implementation of self-service through a web-based portal is one of the significant business models being implemented by banks. These portals are expected to facilitate improvements in the quality of customer services. Yet, there is a need to develop research models to examine how and why these portals could enhance customer perceptions of quality and satisfaction. This paper draws upon theories and ideas from information systems and services marketing literatures to develop a rich model and proposition linking the features of web portals and customer satisfaction with banking services. These propositions could form the basis for future empirical research and have significant managerial implications.