The issue of service quality has been at the center of the ongoing academic and business interest since the late 1970s. Of course buyers have always been concerned about quality, but increasing competition in the current markets of many services has made consumers more selective in the service they choose.
The study focuses on banking services, their quality and customer satisfaction in the banking system: as a case study, services provided by banks in Shkodra have been taken. For the realization of the study a complete analysis was used based on the data collected from the questionnaire with the clients of the commercial banks operating in Shkodra. The data provided by the questionnaire analyzed the real level of banking services in Shkodra. These services are seen in terms of their diversity as well as the level of quality of services they offer to attract the customer. The study also highlights the gaps that these banks have in their services under contemporary conditions.
The purpose of this study is to confirm the theory that banks should do more to perceive the customer about the quality of services. Banks try to provide modern services, but the most important is to identify and perceive customer needs about services because what may be good for the bank may not be the good for the customer.
TABLE OF CONTENTS
CHAPTER I
Introduction
Literature Review
Methodology
CHAPTER II
Banking System in Albania
2.1 Banking System Developments in Albania
2.2 Banking System in Terms of Definition
2.3 The Role of Banks in the Economy and Their Functions
2.4 General Features of the Banking System in 2016
2.5 Bank Notions and Services
2.6 The Services That Banks Offer to the Customers
2.7 Characteristics of Banking Services
2.7.1. Tangibles
2.7.2. Indivisibility
2.7.3. Variability
2.7.4. Non-inventory
2.7.5. Financial responsibility
2.7.6. Double information
2.8 What Do We Mean by Quality of Service?
2.9 SERVQUAL Model: Service Quality Dimensions
2.10 Information Technology
2.11 Commitment by Management in Implementing Quality Banking Services
2.11.1 Information Quality Systems Services
2.12 Importance of Quality in Financial Terms
2.12.1. Benefits from Quality Improvements
2.12.2 Quality Improvement Model and Profitability
2.12.3. Quality on Return (ROQ)
2.12.4 Customer Satisfaction and Quality of Service
2.13 Total Quality Perceived by Gronroos
2.14 Characteristics of the Quality of Banking Services Today
2.14.1 Changing Customer Needs and Expectations
2.14.2 Increasing Integration in Quality of Service
2.15 Competition, the Quality of Services and Their Role in Economic Development
CHAPTER III
Discussion: Banking Sector, Crediting to economy and Their Impact on Economic Development
3.1 The role of lending to the economy
3.2 Crediting to the economy during 2006 - 2016
CHAPTER IV
Research Results
4.1 Empirical Analysis
4.2 General Information for Respondents
4.3 Characteristics of Service Quality Offered by Banks
4.4 What do Customers Expect from the Service Offered?
4.5 Improving the Quality of Services
4.6 What do Banks Expect in the Future from their Customers?
4.7 Conclusions of the Questionnaire
CHAPTER V
Conclusions and Recommendations
References
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