This study investigates the key determinants of customer satisfaction in the post-merger context ofNIC Asia Bank and Kumari Bank, with a focus on technological innovation, employee competence, andcommunication strategies. Drawing on theoretical frameworks such as Expectancy Disconfirmation Theoryand Post-Merger Integration Theory, the study integrates cultural integration as a moderating variable. Usinga stratified random sampling method, data were collected from 500 respondents representing diversecustomer segments. Quantitative analyses, including descriptive statistics, correlation, and regression models,reveal that employee competence (β = 0.50) is the most significant driver of satisfaction, followed bycommunication strategies (β = 0.40) and technological innovation (β = 0.35). Cultural integration (β = 0.20)amplifies these relationships, enhancing the customer experience during organizational transitions. Findingshighlight significant urban-rural disparities, with urban customers favoring digital banking and ruralcustomers relying on traditional services. Accessibility challenges were particularly pronounced in rural areas.This study provides actionable recommendations for banks navigating mergers, emphasizing the need forimproved digital infrastructure, tailored communication, workforce training, and cultural alignment to ensuresustained customer satisfaction and loyalty. These insights contribute to academic discourse and offer practicalstrategies for the financial sector.
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