بررسی تأثیر کیفیت خدمات سنتی و الکترونیک بر رقابت پذیری در نظام بانکداری (مورد مطالعه: مشتریان شعب بانک صادرات شهر خرم آباد)

نوع مقاله: مقاله پژوهشی

نویسندگان

1 استادیار، گروه مدیریت بازرگانی، دانشکده علوم اقتصادی و اداری، دانشگاه لرستان

2 کارشناس ارشد مدیریت بازرگانی، دانشکده علوم اقتصادی و اداری، دانشگاه لرستان

چکیده

هدف پژوهش حاضر، بررسی تأثیر کیفیت خدمات سنتی و الکترونیک بر رقابت‌پذیری شعب بانک صادرات شهر خرم آباد است. این پژوهش به لحاظ هدف، در قالب تحقیقات کاربردی و به لحاظ شیوه اجرای پژوهش در زمره تحقیقات توصیفی– علّی است. جامعه آماری پژوهش مشتریان شعب بانک صادرات شهر خرم آباد است. با توجه به اینکه جامعه مشتریان بانک نامحدود بوده، با استفاده از فرمول کوکران 384 نفر به روش نمونه‌گیری در دسترس به عنوان نمونه انتخاب گردید. ابزار گردآوری داده‌ها، پرسشنامه بوده که روایی پرسشنامه‌ها با بکارگیری روش اعتبار محتوا و پایایی آنها با محاسبه آلفای کرونباخ تأیید شد. در این پژوهش، داده‌های به دست آمده به کمک نرم افزار SPSS مورد تجزیه و تحلیل قرار گرفت و نتایج نشان داد که کیفیت خدمات سنتی و الکترونیک بر رقابت پذیری تأثیر مثبت و معناداری دارند و از میان این دو، کیفیت خدمات الکترونیک تأثیر مثبت و معنادار بیشتری بر رقابت پذیری دارد. از طرف دیگر بُعد قابلیت اطمینان کیفیت خدمات سنتی و بُعد حریم شخصی کیفیت خدمات الکترونیک تأثیر مثبت و معنادار بیش تری بر رقابت پذیری دارند. بنابراین با توجه به نتایج بدست آمده بانک صادرات لازم است که توجه ویژه‌ای بر روی کیفیت خدمات الکترونیک خود داشته باشد.

کلیدواژه‌ها


عنوان مقاله [English]

A Survey of the Effect of Electronic and Traditional Services Quality on Banking System Competitiveness: A Case Study of Saderat Bank Customers in the City of Khorramabad

نویسندگان [English]

  • Sayed Najmodin Mousavi 1
  • Hojat Vahdati 1
  • Soleiman Jafari 2
1 Assistant Professor, Department of Business Administration, Faculty of Economics and Administration, Lorestan University
2 Master of Business Administration, Faculty of Economics and Administration, Lorestan University
چکیده [English]

This study aims at the effect of traditional service quality and electronic service quality on the competitiveness of Saderat banks in the city of Khorramabad. In terms of purpose, the research is an applied one, and, in terms of method, it is of a descriptive causal type. The study population consisted of Saderat bank customers selected in a sample of 384 people. The data collection instrument was a questionnaire whose content validity and reliability was confirmed by Cronbach's alpha. In this study, to investigate and test the hypotheses, the data was analyzed using the SPSS software. The results showed that the quality of traditional and electronic services has a significant positive impact on competitiveness. Of these two types of services, electronic services proved to have a significantly greater impact than traditional services on the competitiveness of Saderat banks. On the other hand, it was found that the reliability of traditional service quality, components privacy, and quality of service more significantly and positively impact competitiveness of the banks, as compared to other dimensions. Thus, according to the results, it is necessary to pay special attention to the quality of electronic services.

کلیدواژه‌ها [English]

  • Traditional service quality
  • Electronic services quality
  • Competitiveness
  • Saderat bank
  • Khorramabad
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