Smart Cards Enhance Service Quality in Iraqi Banks A Quantitative Analysis
Keywords:
Smart cards, Perceived service qualityAbstract
This research examines the role of smart card banking services in enhancing the perceived quality of service in Iraqi commercial banks. Despite the global advancement in electronic banking, Iraqi banks lag in effectively utilizing smart card services. This study aims to identify the relationships between smart card banking services and perceived service quality, uncovering deficiencies such as inadequate ATM and POS availability, limited ATM functionalities, and weaknesses in technical and marketing aspects. Using a quantitative research method, the findings highlight the need for developing and redesigning smart card services to better meet customer needs. The study recommends that bank management allocate funds to increase ATMs and POS systems, expand ATM services, and establish technical units focused on developing high-quality electronic services. These measures are essential for improving customer satisfaction and achieving higher service quality.
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