
doi: 10.2139/ssrn.886486
The perceived quality has been described as a major determinant of the consumer satisfaction, but only a few works have been applied to eBank. In this work we have integrated the perceived utility construct from Technology Acceptance Models (TAM) with perceived quality from SERVQUAL literature. A specific scale has been developed and applied to an online survey at a major Portuguese eBank. 754 valid observations had been collected and structural equation modelling methodology was used. Perceived quality has been formalized as a second order construct and the results shows that it is composed by products and services, convenience and trust in the information. The majority of clients are young men, who have experience with this kind of service and that the perceived quality has a relevant positive impact on satisfaction.
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