İNTERNET BANKACILIĞI HİZMET KALİTESİNİN MÜŞTERİ MEMNUNİYETİ ÜZERİNE ETKİSİNDE BULUT HİZMETLERİNİN, SİSTEM GÜVENLİĞİNİN VE EÖĞRENMENİN ARACILIK ROLÜ
THE MEDIATING ROLE OF CLOUD SERVICES, SYSTEM SECURITY AND ELEARNING IN THE EFFECT OF INTERNET BANKING SERVICE QUALITY ON CUSTOMER SATISFACTION

Summary/Abstract: Today, the widespread use of internet applications due to the development of technology has had a significant impact on the service sector. Due to the banks' efforts to provide high quality service through internet applications and the unique features of the new environment, both bank employees and consumers are faced with new challenges. Every application developed in terms of service quality, security and ergonomics should support all communication processes between the customer and the bank. In this context, the aim of the research is to determine the effect of internet banking's service quality on customer satisfaction and to determine whether cloud services, system security and e-learning have a mediating role. The research was designed quantitatively and a survey technique was used. The survey form was prepared online and “Ethics Committee Permission” was obtained before it was implemented. With the data set created from the 569 survey forms obtained, demographic characteristics of the participants, their responses regarding bank usage, regression analysis, Bootstrap method and VAF (Variance Accounted For) values were calculated in order to test the hypotheses created. As a result, it was determined that e-learning had a mediating effect on the effect of internet banking service quality on customer satisfaction, while cloud services and system security did not have a mediating effect. The findings were compared with the results of the studies in the literature and suggestions were created.

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