بررسی عوامل فردی و سازمانی مؤثر بر وفاداری الکترونیکی با نقش متغیر میانجی رضایت الکترونیکی

نوع مقاله: مقاله پژوهشی

نویسندگان

1 استادیار گروه مدیریت، دانشکده علوم اداری و اقتصاد، دانشگاه اصفهان

2 کارشناس ارشد مدیریت بازرگانی

چکیده

ارائه‌ی خدمات بانکداری الکترونیکی، موضوعی قابل تأمل جهت ادامه‌ی رقابت در بازار جهانی است. انتظارات روزافزون مشتریان جهت دریافت خدمات ایده‌آل در زمینه‌ی بانکداری الکترونیکی و همچنین وجود رقبای تجاری نشان از اهمیت این حوزه دارد. راضی نگه داشتن مشتریان الکترونیکی مستلزم شناسایی و تحلیل عواملی است که خود تا حد زیادی تعیین‌کننده‌ی وفاداری مشتریان می‌باشد. از این‌رو، مطالعه‌ی حاضر به بررسی عوامل فردی و سازمانی مؤثر بر روی وفاداری الکترونیکی با نقش متغیر میانجی رضایت الکترونیکی می‌پردازد. برای این هدف، بر پایه مطالعات انجام شده و بررسی محیط بانکی در ایران مدلی طراحی گردید که به طور خاص، بر روی عوامل فردی از جمله: سودمندی درک شده، سهولت استفاده درک شده و نگرش نسبت به استفاده و عوامل سازمانی از جمله: فناوری، ساختار سازمانی، استراتژی سازمانی، فرهنگ سازمانی و فرایندهای کاری تمرکز می‎‌نماید. جهت جمع‌آوری داده‌های موردنیاز و آزمون مدل،  پرسشنامه‌ای الکترونیکی طراحی و در میان کاربرانی که تجربه‌ی استفاده از خدمات بانکداری الکترونیکی در ایران را داشتند توزیع گردید و 352 پرسشنامه قابل قبول جهت تجزیه تحلیل مورد استفاده قرار گرفت. نتایج تحلیل داده‌ها با استفاده از مدل معادلات ساختاری حاکی از آن است که عوامل فردی و سازمانی منتخب به استثنا استراتژی سازمانی، منجر به ایجاد رضایت الکترونیکی می‌گردند و رضایت الکترونیکی نیز به نوبه‌ی خود بر روی وفاداری الکترونیکی مشتریان تأثیرگذار می‌باشد.

کلیدواژه‌ها


عنوان مقاله [English]

Investigating the Individual and Organizational Factors Affecting E-loyalty with the Mediating Role of E-satisfaction

نویسندگان [English]

  • Hadi Teimouri 1
  • Maryam Goodarzvand Chegini 2
1 Assistant Professor, Department of Management, Faculty of Economic and Administrative Sciences, University of Isfahan, Isfahan
2 M. A, Business Management, Isfahan
چکیده [English]

Providing electronic banking (E-banking) services is of a noteworthy role in continuing the competition in the market. Increasing expectations of customers for ideal services in the field of E-banking and the presence of rival trades show the importance of this issue. Satisfying electronic customers requires identifying and analyzing of the factors that largely determine the loyalty of customers. Hence, the current study examines the individual and organizational factors that affect electronic loyalty (E-loyalty) with the role of electronic satisfaction (E-satisfaction) mediation. To this end, based on the already performed studies and considering the banking conditions in Iran, a model was designed to specially focus on factors such as perceived usefulness, perceived ease of use, attitudes toward use, and organizational factors including technology, organizational structure, organizational strategy, organizational culture and business processes. In order to gather the data and test the model, an electronic questionnaire was designed and delivered to the users who had an experience of E-banking services. As many as 352 acceptable questionnaires (with the acceptable reliability of 0.94) were used for the analysis. The results of the data analysis by the method of route analysis suggested that the chosen individual and organizational factors, except the organizational strategy variable, lead to
E-satisfaction, which, in turn, influences the E-loyalty of customers.

کلیدواژه‌ها [English]

  • E-banking
  • E-loyalty
  • E-satisfaction
  • Individual factor
  • Organizational factor
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