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ZENODO
Article . 2025
License: CC BY
Data sources: ZENODO
ZENODO
Article . 2025
License: CC BY
Data sources: Datacite
ZENODO
Article . 2025
License: CC BY
Data sources: Datacite
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EFFECT OF ELECTRONIC BANKING SERVICES ON CUSTOMER SATISFACTION OF SELECTED DEPOSIT MONEY BANKS: EMPIRICAL EVIDENCE FROM GUSAU METROPOLIS

Authors: SALAWU AMINU MOHAMMED; PROF. M. S. UMAR; PROF. ABUBAKAR SABO; PROF. SANUSI AHMAD;

EFFECT OF ELECTRONIC BANKING SERVICES ON CUSTOMER SATISFACTION OF SELECTED DEPOSIT MONEY BANKS: EMPIRICAL EVIDENCE FROM GUSAU METROPOLIS

Abstract

Abstract: This study investigates the influence of electronic banking services on customer satisfaction in Gusau metropolis, Nigeria focusing on three core digital banking channels: mobile banking, point of sale (POS), and automated teller machine (ATM) services. Guided by a quantitative research approach, the study adopted a cross-sectional survey design. The target population comprised of customers of United Bank for Africa (UBA), Guaranty Trust Bank (GTB), and Access Bank who actively use electronic banking services. A sample size of 384 respondents was determined using the Krejcie and Morgan Sample Determinant Table and purposive sampling was also employed to select participants. Data were collected using a structured, self-administered questionnaire designed around a five-point Likert scale. Instrument validity was ensured through expert review and pilot testing, while reliability was confirmed via Cronbach’s alpha coefficients. The data collected were analysed using multiple linear regression with the help of SPSS version 27. The findings reveal that mobile banking, POS, and ATM services each have a significant positive influence on customer satisfaction, with mobile banking exerting the strongest influence. The results underscores the importance of robust, reliable, and user-friendly electronic banking infrastructure in meeting customers’ expectations and driving satisfaction. Based on these insights, the study recommends that banks should enhance mobile banking performance, improve POS network coverage and transaction stability, and ensure consistent ATM service availability and maintenance to sustain high levels of customer satisfaction. Keywords: Electronic Banking, Customer Satisfaction, Mobile Banking, POS, ATM. Title: EFFECT OF ELECTRONIC BANKING SERVICES ON CUSTOMER SATISFACTION OF SELECTED DEPOSIT MONEY BANKS: EMPIRICAL EVIDENCE FROM GUSAU METROPOLIS Author: SALAWU AMINU MOHAMMED, PROF. M. S. UMAR, PROF. ABUBAKAR SABO, PROF. SANUSI AHMAD International Journal of Novel Research in Marketing Management and Economics ISSN 2394-7322 Vol. 12, Issue 2, May 2025 - August 2025 Page No: 65-77 Novelty Journals Website: www.noveltyjournals.com Published Date: 29-August-2025 DOI: https://doi.org/10.5281/zenodo.16992526 Paper Download Link (Source) https://www.noveltyjournals.com/upload/paper/EFFECT%20OF%20ELECTRONIC%20BANKING-29082025-2.pdf

Keywords

Electronic Banking, ATM, Customer Satisfaction, Mobile Banking, POS

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selected citations
These citations are derived from selected sources.
This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Citations provided by BIP!
popularity
This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
BIP!Popularity provided by BIP!
influence
This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Influence provided by BIP!
impulse
This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network.
BIP!Impulse provided by BIP!
0
Average
Average
Average
Green