Customer Satisfaction with Electronic Banking Services in the Iraqi Banking Sector: a case of Duhok city banks
DOI:
https://doi.org/10.25007/ajnu.v11n3a826Abstract
This paper looks at the effect of electronic banking on customer satisfaction of three bank customers in Duhok city including: Kurdistan International Bank, RT bank and Cihan Bank. In the latest time because of development of international economy there has been a significant increase in the using electronic banking. Questionnaire is used for this paper to get the data and descriptive statistics used for analyzing data. The project has found that there is an important association between electronic banking and customers’ satisfaction and it can be concluded that there is a strong and positive impact of e-banking on customer satisfactions especially in crisis times like Corona virus. It is highly suggested that these banks should add other e-banking services behind current services like internet banking, mobile banking, and ATM. Moreover, these banks should also ensure that their staffs acquire basic information communication technologies skills to use e-banking services correctly. Finally, the findings from this paper suggest that these banks should provide e-banking services during all 24 hours and in all days to satisfy their customer.
Downloads
References
2. Afshan, A., Sharif, A., Waseem, N., and Frooghi, R. (2018). Internet banking in Pakistan: an extended technology acceptance perspective. Int. J. Business Information Systems, 27 (3): 383- 410. DOI: 10.1504/IJBIS.2018.089863
3. Ahmad, A.E.M.K., and Al-Zu’bi, H.A. (2011). E-banking functionality and outcomes of customer satisfaction: an empirical investigation. International Journal of Marketing Studies, 3 (1): 50-65. DOI:10.5539/ijms.v3n1p50
4. Ahmed, A. M. (2020). The Influence of Electronic Banking Service Quality on Customer Satisfaction of Banks in Tripoli City, Libya. International Journal of Innovation, Creativity and Change, 13(1):518-530. www.ijicc.net
5. Alabboodi, A.S. (2019). The effect of customer satisfaction on service quality: The case of Iraqi banks. International Journal of Applied Research, 5(1): 146-152. http://www.allresearchjournal.com/archives/?year=2019&vol=5&issue=1&part=C&ArticleId=5471
6. AlHaliq, H.A., and AlMuhirat,A.A. (2016). Customer Satisfaction with Electronic Banking Services in the Saudi Banking Sector. Asian Social Science, 12(5): 139-146. doi:10.5539/ass.v12n5p139
7. Al-Hawary, S.I.Sh., and Hussien, A.J.A. (2017). The Impact of Electronic Banking Services on the Customers Loyalty of Commercial Banks in Jordan. International Journal of Academic Research in Accounting, Finance and Management, 7(1): 50-63. DOI: 10.6007/IJARAFMS/v7-i1/2539.
8. Aliyu, A., Rosmain, T., & Takala, J. (2014). Online Banking and Customer Service Delivery in Malaysia: Data Screening and Preliminary Findings. Procedia - Social and Behavioral Sciences, 129, 562-570. doi: 10.1016/j.sbspro.2014.03.714
9. Beheshtifar, M. and Nezhad, N.A.R. (2015). Impact of electronic banking on customer loyalty. Indian Journal of Fundamental and Applied Life Sciences, 5 (1): 194-199. https://www.cibtech.org/sp.ed/jls/2015/01/jls.htm
10. Chen, R.F., Hsia, J. and Hwang H.G. (2012) Measuring customer satisfaction of Internet banking in Taiwan: scale development and validation. Total Quality Management & Business Excellence, 23(7): 749-767. DOI: 10.1080/14783363.2012.704284
11. Darvish, H., Moayeri, M.R., Faradonbe, M.M and Naderifar, A.R. (2013). A survey on relationship between customer satisfaction and electronic banking features: A case study of Tejarat bank in Iran. Management Science Letters, 3:425-430. doi: 10.5267/j.msl.2013.01.006
12. Elias, H.S., and Azhar,N.M. (2019). Effects of customer service quality dimension on customer satisfaction in Iraqi Banking Sector. World Wide Journal of Multidisciplinary Research and Development, 5(7): 21-28. http://wwjmrd.com/archive/2019/8/1232/effects-of-customer-service-quality-dimension-on-customer-satisfaction-in-iraqi-banking-sector
13. Hadid, K.I., Soon, N. and Amreeghah, A.E. (2020). The Effect of Digital Banking Service Quality on Customer Satisfaction: A Case Study on the Malaysian Banks. Asian Journal of Applied Science and Technology (AJAST), 4(1): 6-29.
14. Hamad, H.A. (2018). Customer satisfaction in banking sector: The case in north Iraq, city of Erbil (master thesis). Available at: http://docs.neu.edu.tr/library/6718740949.pdf
15. Hamid, A.A.M., Alabsy, N.M.A., and Mukhtar, M.A. (2018). The Impact of Electronic Banking Services on Customer Satisfaction in the Sudanese Banking Sector. International Business Research, 11(6):102-109. doi:10.5539/ibr.v11n6p102
16. Hassan, SH.U. Mamman, A., and Farouk, M.A. (2013). Electronic banking products and performance of Nigerian listed deposit money banks. American Journal of Computer Technology and Application, 1(10): 138-148.
17. Hosseini, T. Hosseini, M.H. and Meymand, M.M. (2016). The Effect of Performance of Electronic Customer Relationship Management (e-CRM) System on Accepting Electronic Banking. Journal of Administrative Management, Education and Training, 12(3: 357-367. http://www.jamet-my.org/
18. Ibrahim, A.H.S.I, and Kumar, S. (2018). Customer Satisfaction towards Electronic Banking Services of Selected Public Sector Banks in Maduri City. International Journal of Research and Analytical Reviews, special issue; 50-52. http://ijrar.com
19. Ibrahim, S.S. (2017). The Impacts of Liquidity on Profitability in Banking Sectors of Iraq. International Journal of Finance & Banking Studies (2147-4486), 6(1): 113-121. https://doi.org/10.20525/ijfbs.v6i1.650
20. Ibrahim, S.S. (2019). The Impacts of Capital Structure on Bank Performance. Koya University Journal of Humanities and Social Sciences, 2(1): 118-123. doi:10.14500/kujhss.v2n1y2019.pp118-123
21. Ibrahim, S.S., and Olarewaju, O.M. (2019). Why is Higher Institution Students Un-banked in Duhok City? Evidence from a Survey Analysis. International Journal of Finance & Banking Studies (2147-4486), 8(3): 13-20. https://doi.org/10.20525/ijfbs.v8i3.832
22. John, O. A. and Rotimi, O. (2014). Analysis of electronic banking and customer satisfaction in Nigeria. European Journal of Business and Social Sciences, 3(3): 14-27. https://pdfs.semanticscholar.org/8d53/5dff92b4be15e06a4abf190f2e5df2740890.pdf
23. Lawrence U. O., Alexander E. O., Johnson I. O. and Isibor, A. A. (2018). Technology-Based Financial Services Delivery and Customer Satisfaction: a Study of the Nigerian Banking Sector. International Journal of Civil Engineering and Technology, 9(13): 214–223 http://www.iaeme.com/IJCIET/issues.asp?JType=IJCIET&VType=9&IType=13
24. Mahmoud A. M. (2019). Gender, E-Banking, and Customer Retention, Journal of Global Marketing, 1-19. DOI: 10.1080/08911762.2018.1513108
25. Makttoof, N., and Khalid, H. (2018). A Review of Mobile Banking Adoption Factors by Customers for Iraqi Banks. International Journal of Engineering & Technology, 7(3.20): 629-637. DOI: 10.14419/ijet.v7i3.20.22958
26. Mohan, M.R., and John. S.F. (2016). E-Banking Services and Customer Satisfaction in Dindugal District - An Empirical Study. Journal of Exclusive Management Science, 5(1): 1-5.
27. Nasri, W. (2011). Factors Influencing the Adoption of Internet Banking in Tunisia. International Journal of Business and Management, 6(8):143-160. doi: 10.5539/ijbm.v6n8p143
28. Nwekpa, K.Ch. Djobissie, I.C., Chukwuma, N.N., and Ezezue. (2020). Influence of Electronic Banking on Customer Satisfaction in a Fidelity Bank Plc. in Nigeria. Journal of Business and Management, 22(4): 49-58. DOI: 10.9790/487X-2204024958.
29. Nyoni, S., Chiguvi, D., and Nhlane, P. (2017). The impact of electronic service quality on Customer satisfaction in the Botswana Commercial banking sector. International Journal of Economics, Commerce and Management, V (4): 390-400.
30. Ojokuku, R.M and Mukundan, A.S. (2012). The Impact of Electronic Banking on Human Resources Performance in the Nigerian Banking Industry. International Journal of Economic Development Research and Investment, 3(2): 61-69.
31. Sadeghi, T. and Farokhian, S. (2010). Electronic Banking Acceptance Model (EBAM) in Iran. World Applied Sciences Journal, 11 (5): 513-525. http://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.390.2894
32. Sakhaei, S.F., Afshari, A.J, and Esmaili, E. (2014). The Impact of Service Quality on Customer Satisfaction in Internet Banking. Journal of mathematics and computer science, 9(1): 33-40. http://dx.doi.org/10.22436/jmcs.09.01.04
33. Sleimi, M.T., Karam, A.A. and Qubbaj, I.S. (2018). The Impact of E-Banking Services Quality on Customers Satisfaction Moderated by Customer Trust: Survey on Arab Bank in Amman, Jordan. Journal of Al-Quds Open University for Administrative & Economic Research, 3(9): 24–37. http://doi.org/10.5281/zenodo.1405450
34. Toor, A., Hunain, M., Hussain, T., Ali, S., and Shahid, A. (2016). The Impact of E-Banking on Customer Satisfaction: Evidence from Banking Sector of Pakistan. Journal of Business Administration Research, 5(2): 27-40. doi:10.5430/jbar.v5n2p27
35. Tweneboah-Koduah, E.Y., and Farley, A.Y. (2015). Relationship between Customer Satisfaction and Customer Loyalty in the Retail Banking Sector of Ghana. International Journal of Business and Management, 11(1), 249-262. doi: 10.5539/ijbm.v11n1p249
36. Uchechukwu, N. M., and Stella, M. (2019). Impact of Electronic Banking on Customer Satisfaction. International Digital Organization for Scientific Research, 4(1): 23-35.
37. Varma, A.J., Ashwini J., Ranjith P. V., and Jayan V. K. (2020). An Analysis of Factors Affecting the Adoption of E-Banking Services in Small Finance Banks in Karnataka. International Journal of Recent Technology and Engineering (IJRTE), 8(6): 3519-3523. DOI:10.35940/ijrte.F8597.038620
38. Wang, Y., & Lo, H. (2002). Service quality, customer satisfaction and behavior intentions. Info, 4(6), 50-60. Doi: 10.1108/14636690210453406
39. Worku,G., Tiahun, A. and Tafa, MA.(2016). The impact of electronic banking on customer’s satisfaction in Ethiopian banking industries (the case of customers of Dashen and Wogagen banks in Gondar city). Journal of Business and Financial Affairs, 5:2.1-18. DOI: 10.4172/2167-0234.1000174
40. Zahid, M., Jehangir, M., and Shahzad, N. (2012). Towards Digital Economy: The Impact of Electronic Banking on Customer Satisfaction among the Pakistan Banking Industry. International Journal of E-Entrepreneurship and Innovation, 3(4), 34-46.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2022 Sardar Shaker Ibrahim

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Authors retain copyright
The use of a Creative Commons License enables authors/editors to retain copyright to their work. Publications can be reused and redistributed as long as the original author is correctly attributed.
- Copyright
- The researcher(s), whether a single or joint research paper, must sell and transfer to the publisher (the Academic Journal of Nawroz University) through all the duration of the publication which starts from the date of entering this Agreement into force, the exclusive rights of the research paper/article. These rights include the translation, reuse of papers/articles, transmit or distribute, or use the material or parts(s) contained therein to be published in scientific, academic, technical, professional journals or any other periodicals including any other works derived from them, all over the world, in English and Arabic, whether in print or in electronic edition of such journals and periodicals in all types of media or formats now or that may exist in the future. Rights also include giving license (or granting permission) to a third party to use the materials and any other works derived from them and publish them in such journals and periodicals all over the world. Transfer right under this Agreement includes the right to modify such materials to be used with computer systems and software, or to reproduce or publish it in e-formats and also to incorporate them into retrieval systems.
- Reproduction, reference, transmission, distribution or any other use of the content, or any parts of the subjects included in that content in any manner permitted by this Agreement, must be accompanied by mentioning the source which is (the Academic Journal of Nawroz University) and the publisher in addition to the title of the article, the name of the author (or co-authors), journal’s name, volume or issue, publisher's copyright, and publication year.
- The Academic Journal of Nawroz University reserves all rights to publish research papers/articles issued under a “Creative Commons License (CC BY-NC-ND 4.0) which permits unrestricted use, distribution, and reproduction of the paper/article by any means, provided that the original work is correctly cited.
- Reservation of Rights
The researcher(s) preserves all intellectual property rights (except for the one transferred to the publisher under this Agreement).
- Researcher’s guarantee
The researcher(s) hereby guarantees that the content of the paper/article is original. It has been submitted only to the Academic Journal of Nawroz University and has not been previously published by any other party.
In the event that the paper/article is written jointly with other researchers, the researcher guarantees that he/she has informed the other co-authors about the terms of this agreement, as well as obtaining their signature or written permission to sign on their behalf.
The author further guarantees:
- The research paper/article does not contain any defamatory statements or illegal comments.
- The research paper/article does not violate other's rights (including but not limited to copyright, patent, and trademark rights).
This research paper/article does not contain any facts or instructions that could cause damages or harm to others, and publishing it does not lead to disclosure of any confidential information.