Effects of Self-service Technologies’ Attributes on Bank Customers’ Experience, Relationship Quality and Re-use Intention: Insights from a Developing Economy

Abstract

Services providers’ recent inclusion of technology-enabled mechanisms in services delivery especially in banking sector in developing economies are significantly replacing earlier human-to-human dominated pattern of bank–customer relationships. Notwithstanding glaring penetration of self-service technology applications in bank service delivery, how its attributes influence customer experience, relationship quality and reuse intention has been largely eluding research attention. Therefore, this article investigates influence of self-service technology applications’ attributes on customer experience, relationship quality and reuse intention among customers in deposit money banks. Data was collected from 310 respondents using online-based questionnaire. Structural Equation Modelling approach with the aid of SmartPLS serve as the analytical tool in the examination of hypothesized paths in the research schema. Findings reveal that perceived ease of use and perceived usefulness were positively related with cognitive and affective experience. Also, cognitive and affective experience had positive-significant influence on customer satisfaction; however, cognitive and affective experiences demonstrate statistically insignificant relationships with trust. Furthermore, satisfaction and trust positively and significantly correlate with reuse intention. Implication for theory and practice were put forward as well as suggestions for future research.