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Theoretical Definition: Service quality is perceived by customers as “the degree and direction of discrepancy between customers’ service perceptions and expectations” (Parasuraman, Zeithaml, & Berry, 1985, Abstract section, Para 1).
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Operational Definition: In this study, service quality factors include five dimensions of the 22-item, SERVQUAL instrument (Assurance, Empathy, Reliability, Responsiveness, and Tangibles) developed by Parasuraman et al. in 1988 (p. 23). Part 2 of the survey questionnaire contains the SERVQUAL instrument (Appendix D)
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Assurance as a SERVQUAL Dimension: The “knowledge and courtesy of employees and their ability to inspire trust and confidence” (Parasuraman et al., 1988, p. 23). In this study, assurance is the understanding and politeness of the specific commercial bank’s service providers and their capability to encourage trust and confidence as perceived by banking customers. Assurance is measured using 4 items of the assurance dimension of the 22-item SERVQUAL.
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Empathy as a SERVQUAL Dimension: “The ability to tune into others’ feeling[s]” (Cook, Macaulay, & Coldicott, 2004, p. 198). It is an emotional intelligence competency. Emotional intelligence is “a set of skills hypothesized to contribute the accurate appraisal and expression of emotion in oneself and in others, the effective regulation in self and others, and the use of feeling to motivate, plan, and achieve in one’s life” (Salovey & Mayer, 1990, p. 185). The emotional intelligence competence model consists of 20 emotional intelligence competencies categorized into four groups. These groups are self-awareness, self-management, social awareness, and social skills (Boyatzis, Goleman, & Rhee, 2000). Empathy is a mandatory competence of the social awareness cluster, which is one of four emotional intelligence competencies (Boyatzis et al., 2000). In this study, empathy, as one of the emotional intelligence competencies, is measured using the 5 items of the empathy dimension of the SERVQUAL.
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Reliability as a SERVQUAL Dimension: The “ability to perform the promised service dependably and accurately” (Parasuraman et al., 1988, p. 23). In this study, reliability is the ability of banking service providers at a specific commercial bank headquarters to execute the promised service as perceived by the specific commercial bank headquarters’ banking customers. This is measured using 5 items of the reliability dimension of the 22-item SERVQUAL.
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Responsiveness as a SERVQUAL Dimension: The “willingness to help customers and provide prompt service” (Parasuraman et al., 1988, p. 23). In this study, responsiveness is the readiness of banking service providers at a specific commercial bank headquarters to provide punctual services as perceived by a specific commercial bank headquarters’ banking customers. This is measured using 4 items of the responsiveness dimension of the 22-item SERVQUAL.
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Tangibles as a SERVQUAL Dimension: The “physical facilities, equipment, and appearance of personnel” (Parasuraman et al., 1988, p. 23). In this study, tangibles are facilities of the specific bank headquarters and the appearance of banking service providers at the specific commercial bank headquarters as perceived by the specific commercial banking customers. This is measured using 4 items of the tangible dimension of the 22-item SERVQUAL.