The theoretical implications of this research are manifold. First, the support for and
importance placed upon all service quality dimensions suggests that Ribbink et al.
(2004) and Parasuraman et al. (2005) previously captured different aspects of e-service
quality. We integrate these to provide an updated representation of E-ServQual for the
e-retailing banking context. In an attempt to address Santos’s (2003) call for
context-specific service quality research, we recommend that this updated E-ServQual
measure be applied in the context of high and low e-service quality providers in other
financial services firms (for example brokerages) and other online service industries.
Second, it is possible that some as yet unknown factor is negatively impacting
customer satisfaction. Qualitative interviews with e-retail bank customers should be
conducted to reveal the issues influencing positive customer satisfaction outcomes.