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App Service: How do consumers perceive the quality of financial Service Apps on smart devices?
KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Industrial marketing.ORCID iD: 0000-0001-9942-5890
(English)In: Journal of Financial Services Marketing, ISSN 1363-0539, E-ISSN 1479-1846Article in journal (Refereed) Accepted
Abstract [en]

Apps on smart devices such as phones and tablets have enabled financial services firms to not only provide greater convenience and flexibility to customers, but also to get them to do a lot of the work entailed in these services. This has changed the character of service in many ways, including the nature of service quality where service is no longer delivered by people, but by means of technology. The study reported here used an amended version of the SERVQUAL instrument to assess consumers’ perception of the quality of the service delivered by the apps of their financial services providers. Three dimensions of app service quality emerge: reliability, personal and visibles. Generally, consumers are reasonably satisfied with the quality of service provided by their financial apps, and prefer them to visits to service providers physical locations, and rate them as highly as online service provision on PCs or laptops. Limitations are acknowledged, managerial implications drawn and avenues for future research are identified.

Place, publisher, year, edition, pages
Palgrave Macmillan.
Keyword [en]
Smart mobile devices, Mobile Applications, SERVQUAL
National Category
Economics and Business
Research subject
Business Studies
Identifiers
URN: urn:nbn:se:kth:diva-186301OAI: oai:DiVA.org:kth-186301DiVA: diva2:926797
Note

QS 2016

Available from: 2016-05-09 Created: 2016-05-09 Last updated: 2017-11-30Bibliographically approved
In thesis
1. Apps in the U-space: From mobile to ubiquitous marketing
Open this publication in new window or tab >>Apps in the U-space: From mobile to ubiquitous marketing
2016 (English)Doctoral thesis, comprehensive summary (Other academic)
Abstract [en]

Smart mobile devices are becoming increasingly essential daily companions. Applications (apps) are the interface through which the consumer can leverage unique capabilities of smart mobile devices to interact with people, other devices and firms via the supporting mobile ecosystem.

Smart mobile devices and apps are influencing how competition is defined and changing how firms do business by improving internal processes and increasing flexibility and convenience for customers. Mobile apps and devices enable users to move from a portable and mobile communication and computing environment to that of a ubiquitous communication and computing environment [u-space]. Discussion in terms of ‘mobile marketing’ is therefore too limiting, our understanding should be ‘ubiquitous marketing’. Six papers explore ubiquitous marketing further.

The retail sector provides a contextual setting for paper one and finds that mobile marketing increases value for retailers and consumers. Integration of all retailer / consumer interfaces with mobile marketing to maximise exposure and connectivity between both parties is recommended.

Paper two investigates the sources for mobile app ideas in companies and finds that apps developed externally or within the firm with some outside help, were perceived to be more effective. Apps that leverage the mobile devices unique features is central to the methodology proposed for developing an app in paper three.

The next three papers examine the impact that mobile apps and devices have on business activities and customer relationships. Paper four finds increased operational efficiency in a Dental 

Practice, while paper five identified the opportunity for increased firm-customer interaction in a medical context. Paper six determines that rather than five dimensions of SERVQUAL, financial service quality of apps consists of three dimensions: Reliability, personal and visibles; and that service success can be derived from providing less service.

This thesis contributes to a fuller understanding of U-commerce theory. It advances understanding in how apps are making significant changes in how information technology is managed and controlled from an organisational perspective, and how these technology advances can influence consumer interaction. 

Place, publisher, year, edition, pages
KTH Royal Institute of Technology, 2016. 157 p.
Keyword
Mobile applications, smart mobile devices, U- commerce, mobile value creation
National Category
Economics and Business
Research subject
Business Studies
Identifiers
urn:nbn:se:kth:diva-186305 (URN)
Public defence
2016-06-08, F3, Lindstedtsvägen 26, Stockholm, 15:00 (English)
Opponent
Supervisors
Note

QC 20160516

Available from: 2016-05-16 Created: 2016-05-09 Last updated: 2016-05-16Bibliographically approved

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Type fulltextMimetype application/pdf

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Bredican, John

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