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\def\makelabel##1{\upshape ##1}}% } {\end{list}\end{raggedright}} \newenvironment{specHead}[2]% {\vspace{20pt}\hrule\vspace{10pt}% \phantomsection\label{#1}\markright{#2}% \pdfbookmark[2]{#2}{#1}% \hspace{-0.75in}{\bfseries\fontsize{16pt}{18pt}\selectfont#2}% }{} \def\TheFullDate{1970-01-01 (revised: 01 January 1970)} \def\TheID{\makeatother } \def\TheDate{1970-01-01} \title{Influence of Service Quality Dimensions in Commercial Banks of Bangladesh: Existing vs Expected} \author{}\makeatletter \makeatletter \newcommand*{\cleartoleftpage}{% \clearpage \if@twoside \ifodd\c@page \hbox{}\newpage \if@twocolumn \hbox{}\newpage \fi \fi \fi } \makeatother \makeatletter \thispagestyle{empty} \markright{\@title}\markboth{\@title}{\@author} \renewcommand\small{\@setfontsize\small{9pt}{11pt}\abovedisplayskip 8.5\p@ plus3\p@ minus4\p@ \belowdisplayskip \abovedisplayskip \abovedisplayshortskip \z@ plus2\p@ \belowdisplayshortskip 4\p@ plus2\p@ minus2\p@ \def\@listi{\leftmargin\leftmargini \topsep 2\p@ plus1\p@ minus1\p@ \parsep 2\p@ plus\p@ minus\p@ \itemsep 1pt} } \makeatother \fvset{frame=single,numberblanklines=false,xleftmargin=5mm,xrightmargin=5mm} \fancyhf{} \setlength{\headheight}{14pt} \fancyhead[LE]{\bfseries\leftmark} \fancyhead[RO]{\bfseries\rightmark} \fancyfoot[RO]{} \fancyfoot[CO]{\thepage} \fancyfoot[LO]{\TheID} \fancyfoot[LE]{} \fancyfoot[CE]{\thepage} \fancyfoot[RE]{\TheID} \hypersetup{citebordercolor=0.75 0.75 0.75,linkbordercolor=0.75 0.75 0.75,urlbordercolor=0.75 0.75 0.75,bookmarksnumbered=true} \fancypagestyle{plain}{\fancyhead{}\renewcommand{\headrulewidth}{0pt}} \date{} \usepackage{authblk} \providecommand{\keywords}[1] { \footnotesize \textbf{\textit{Index terms---}} #1 } \usepackage{graphicx,xcolor} \definecolor{GJBlue}{HTML}{273B81} \definecolor{GJLightBlue}{HTML}{0A9DD9} \definecolor{GJMediumGrey}{HTML}{6D6E70} \definecolor{GJLightGrey}{HTML}{929497} \renewenvironment{abstract}{% \setlength{\parindent}{0pt}\raggedright \textcolor{GJMediumGrey}{\rule{\textwidth}{2pt}} \vskip16pt \textcolor{GJBlue}{\large\bfseries\abstractname\space} }{% \vskip8pt \textcolor{GJMediumGrey}{\rule{\textwidth}{2pt}} \vskip16pt } \usepackage[absolute,overlay]{textpos} \makeatother \usepackage{lineno} \linenumbers \begin{document} \author[1]{Md. Asfaqur Rahman} \author[2]{Ela Saha} \renewcommand\Authands{ and } \date{\small \em Received: 1 January 1970 Accepted: 1 January 1970 Published: 1 January 1970} \maketitle \begin{abstract} The economy of a country is largely dependent on banking sector. In this case, Bangladesh is not exceptional. Commercial banks of Bangladesh play a vital role in the economy, making up one of the biggest providers of services in the economy. In the current banking environment, service quality is one of the main weapons, which enables the banks to differentiate from each other. Hence, providing a better service quality is vital, as banks have to compete for customers. The primary focus of the study is to identify the gap between existing and expected service quality in terms of basic services, advanced services, cost and prestige, customer satisfaction and customer loyalty issues. Upon carrying out the study, a total of 120 (200 successful surveys) samples were surveyed in different commercial banks of Bangladesh. A questionnaire for such purpose was designed and different statistical methods were applied to analyse the collected data. From the study of descriptive statistics it is found that the overall service quality in commercial banks in Bangladesh is moderate. Whereas the sample t-statistics of the study shows that there is no significance difference between the existing and expected services of commercial banks of Bangladesh because the customer?s demographic characteristics. \end{abstract} \keywords{bank, customer, existing and expected, loyalty, quality, satisfaction, serive.} \begin{textblock*}{18cm}(1cm,1cm) % {block width} (coords) \textcolor{GJBlue}{\LARGE Global Journals \LaTeX\ JournalKaleidoscope\texttrademark} \end{textblock*} \begin{textblock*}{18cm}(1.4cm,1.5cm) % {block width} (coords) \textcolor{GJBlue}{\footnotesize \\ Artificial Intelligence formulated this projection for compatibility purposes from the original article published at Global Journals. However, this technology is currently in beta. \emph{Therefore, kindly ignore odd layouts, missed formulae, text, tables, or figures.}} \end{textblock*} \begin{textblock*}{10cm}(1.05cm,3cm) {{\textit{CrossRef DOI of original article:}} \underline{}} \end{textblock*}\let\tabcellsep& \section[{I. Introduction}]{I. Introduction}\par anking is one of the most sensitive businesses all over the world. A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. According to \hyperref[b14]{Islam \& Ahmed (2005)} bank is a service selling institution, plays a significant role in a contemporary world of money and economy. It influences and facilitates many different but integrated economic activities such as resource mobilization, poverty elimination, production, and distribution of public finance \hyperref[b7]{(Chowdhury \& Ahmed, 2009)}. Bangladesh has a well-developed banking system, which consists of a wide variety of institutions ranging from a central bank to commercial banks and to specialized agencies to cater special requirements of specific sectors.\par After deregulation and privatization policy was implemented by the government, private banks have got enormous benefits to set up facilities. As a result, numbers of private commercial and investment banks have been established. This results significant development of banking industry in Bangladesh during recent past years. The banking system of Bangladesh is dominated by the 4 Nationalized Commercial Banks in which 3 are totally controlled by government and 1 (Rupali Bank) bank is controlled by both government and private sector. Private banks are the highest growth sector due to the dismal performances of government banks. They tend to offer better service and products. Now 36 private commercial banks are operating in Bangladesh. There are also 10 specialized development banks and 10 Foreign commercial banks are operating in Bangladesh (Bangladesh \hyperref[b4]{Bank, 2017)}.\par Banks nowadays have to be of world-class standard, committed to excellence in customer's satisfaction and to play a major role in the growing and diversifying financial sector. Banks have recognized the need to meet customer's aspirations. The customer is the focus and customer service is the differentiating factors {\ref (Ahmed \& Khondoker, 2003)}. A bank can differentiate itself from competitors by providing high quality customer services. Organizations operating in service industries should consider service quality a key strategic issue for the business success. Service quality issue is equally important for commercial banks. The problem with service failure is that it may lead to a destroyed relationship between the customer and the organization. The importance of customer satisfaction in today's dynamic corporate environment is obvious as it greatly influences customer's repurchase intensions whereas dissatisfaction has been seen as a primary reason for customer's intentions to switch. Satisfied customers are most likely to share their experiences with other five or six people around them \hyperref[b17]{(Jahiruddin \& Haque, 2009)}. Equally, dissatisfied customers are more likely to tell another ten people about their unfortunate experiences with a particular organization. In order to achieve customer satisfaction, organizations must be B able to build and maintain long lasting relationships with customers through satisfying various customers needs and demands. {\ref Kumar et al (2009)} stated that high quality of service will result in high customer satisfaction and increases customer loyalty. {\ref Ndubisi \& Pfeifer (2005)} pointed out that the cost of serving a loyal customer is five or six times less than a new customer. Loyal customers are more likely to give information to the service provider (because they trust the service provider and expect from the service provider to use the information with discretion and to their benefits). \section[{a) Objectives of the Study}]{a) Objectives of the Study}\par The objectives of the study are:\par ? To measure the influence of service quality dimensions in commercial banks of Bangladesh. ? To identify the interrelationships between existing and expected service quality of commercial banks in Bangladesh. ? To provide suitable policy recommendations to close the gaps between existing and expected service quality of commercial banks in Bangladesh. \section[{II. Review of Literature and Hypotheses Development}]{II. Review of Literature and Hypotheses Development}\par In Bangladesh, customers in the banking sector are in a strong bargaining position due to the significant growth of banks. Therefore, banks have to provide service carefully because of the availability of banks. Service quality has been a vital issue of discussion and research over the past three decades. Research on service quality has well established that the customer perception of the quality of a service depends on customer's pre-service expectations. \section[{a) Services of Commercial Banks-basic and Advanced}]{a) Services of Commercial Banks-basic and Advanced}\par The service sector is expanding at an increasing rate and is becoming intensely competitive. Service can be defined as any activity or benefit that one party offers to another that is essentially intangible and does not result in the ownership of anything. Its production may or may not be tied to a physical product \hyperref[b2]{(Akhter, 2012)}. In the changing banking scenario of 21st century, banks had to have a vital identity to provide excellent services. \hyperref[b13]{Islam \& Niaz (2014)} opined that banks nowadays have to be of world-class standard, committed to excellence in customer's satisfaction and to play a major role in the growing and diversifying financial sector. There has been a remarkable change in the way of banking in the last few years. In Bangladesh, commercial banks also provide global quality services to their clients. According to \hyperref[b33]{Uddin \& Akhter (2012)} bank provide services into two categories as basic and advanced services. Basic services include opening bank account, safety and security of deposits, locker service and loans and advances. They also offer corporate banking, loan syndication, real-time online banking for corporate clients as basic service for the commercial banks of Bangladesh. Whereas, the commercial banks of Bangladesh provide mobile banking, SME banking, internet banking, SMS banking, credit card, ATM services, foreign currency account, overtime banking facility, specialized help desk, customer complain box and professionalism falls under advanced services. In Bangladesh, customers in the banking sector are in a strong bargaining position due to the significant growth of banks. Therefore, banks have to design and provide service carefully because of the availability of banks. Zeithmal {\ref (2000)} noted that the key strategy for the success and survival of any business institution is the deliverance of quality services to customers. Accordingly, \hyperref[b21]{Karim \& Chowdhury (2014)} deemed that excellent service quality is vital to business success and survival. Hence, delivering quality service to clients is a necessity for success and survival in today's competitive world \hyperref[b22]{(Kheng et al., 2010)}. \section[{b) Service Quality}]{b) Service Quality}\par Service quality has received a great deal of attention from both academicians and practitioners \hyperref[b27]{(Negi, 2009)} and service marketing literature defined service quality as the overall assessment of a service by the customer \hyperref[b9]{(Eshghi et al., 2007)}. \hyperref[b3]{Akroush (2008)} pointed out that service quality is the result of the comparison made by customers about what they feel service firms should offer, and perceptions of the performance of firms providing the services. Service quality has a strong correlation with customer satisfaction, financial performance, manufacturing costs, customer retention, customer loyalty, and the success of marketing strategy \hyperref[b37]{(Wong et al., 2008)}. \hyperref[b29]{Parasuraman et al (1985)} undertook a qualitative research to investigate the concept of service quality. They arranged an indepth interview with the executives and focus group interviews with customers to develop a model of service quality as SERVQUAL which can help the service and retailing organizations in assessing the expectations of customers and service quality perceptions. Parasuraman identified ten key determinants of service quality. They are: reliability, responsiveness, competence, access, courtesy, communication, credibility, security, understanding, tangibles. Though there was complaint through another analysts to help SERVQUAL model \hyperref[b18]{(Johnston, 1997)}, but SERVQUAL is the tool most used to its confirmatory issue examines in most cases. So, up to date, SERVQUAL model shown to be any parsimonious style which has been employed in numerous service organizations and also industries to help calculate service quality as well as banking institutions \hyperref[b15]{(Islam, 2015)}. \section[{c) Service Quality in Banking Sector}]{c) Service Quality in Banking Sector}\par Service quality is a focused evaluation that reflects the customer's perception of reliability, assurance, responsiveness, empathy and tangibility, while satisfaction is more inclusive and it is influenced by perceptions of service quality, product price and quality as well as situational factors and personal factors \hyperref[b36]{(Wilson et al, 2012)}. In the banking sector, service quality has become more and more significant aspect for achievement and endurance. The stipulation of high quality service helps in achieving numerous requirements like customer satisfaction and its outcome loyalty, profitability, market share and financial performance \hyperref[b35]{(Vera \& Trujillo, 2013)}. Leisen (2009) opined that once the customer has chosen a commercial bank, they have developed expectations of what constitutes service as ideal service level. Further, researchers identified various service quality dimensions and these are used as independent variables in several service quality studies. \hyperref[b10]{Flavian et al. (2004)} identified factors like access to service, service offered, security, and reputation for measuring service quality. Islam \& Ali (2011) have followed \hyperref[b29]{Parasuraman et al. (1985)} and compared service quality of public and private banks in a conceptual study. They found private bank providing better service than public banks. However, no model was proposed and client's satisfaction and loyalty were not measured in their study. \hyperref[b19]{Joseph et al. (1999)} used service quality indicators in banking sector. They measured the impact of technology on service delivery. However, the study overlooked quality dimensions for measuring the role of technology. \hyperref[b14]{Islam \& Ahmed (2005)} believe that the good behavior of the employees of the bank is the key aspect of customer service but surprisingly, most of the literature ignores customer satisfaction and loyalty as vital to success in banking services. The relationship between service quality and customer satisfaction and customer loyalty are becoming crucial with the increased level of awareness among bank customer's demographic characteristics should be considered by the bank managers to understand their customers. \section[{d) Relationship between Service Quality and Customer Satisfaction}]{d) Relationship between Service Quality and Customer Satisfaction}\par According to \hyperref[b12]{Hutchinson et al. (2009)} customer satisfaction is influenced by service quality. When customers get expected service quality, it leads to higher satisfaction. Service quality is the determinant of customer satisfaction and by ensuring good service quality; service providers can enrich customer satisfaction \hyperref[b33]{(Uddin \& Akhter, 2012)}. According to Zielke (2008) customer satisfaction is affected by the price/service charge awareness. Price level, value for money and special offers may result in both satisfaction and dissatisfaction and price fairness, price perceptibility and price processibility may result in dissatisfaction for customers The search done by Zeilke (2008) found that "cleanliness, security, value for money and courtesy of staff determine customer satisfaction". \hyperref[b23]{Knutson (1988)} revealed that cleanliness and comfort, convenience of location, prompt service, safety and security, and friendliness of employees are key determinants of customer satisfaction. A study conducted by \hyperref[b1]{Akan (1995)} claimed that the vital factors are the behaviour of employees, cleanliness and timeliness. On the other hand the study by \hyperref[b6]{Choi \& Chu (2001)} concluded that staff quality, property qualities, and value are the top three factors that determine customers' satisfaction but it is duty of the managers to focus on the core areas and need to take attention and action where to improve service quality. \section[{e) Relationship between Service Quality and Customer Loyalty}]{e) Relationship between Service Quality and Customer Loyalty}\par Singh \& Sirdeshmukh (2000) suggested the customer loyalty as "the market place currency of the twenty-first century". Most customer loyalty experts would agree that loyalty is best defined as a state of mind, a set of attitudes, beliefs, desires etc. Loyalty is developed by approaches which reinforce and develop a positive state of mind and the associated behaviours. The exchange of information is one of the keys of loyalty, and provides a critical bridge between state of mind and behavior \hyperref[b30]{(Siddiqi, 2011)}. \hyperref[b28]{Palmer et al (2007)} suggested that the willingness to recommend an organization's product or service to another customer can be seen as a measure of the level of attitudinal customer loyalty. Loyal customers are more likely to give information to the service provider (because they trust the service provider and expect from the service provider to use the information with discretion and to their benefits). Managing loyalty is important because it means not only managing behavior but also managing a state of mind. Several researchers attempt to find the interrelationships between service quality, customer satisfaction and customer loyalty in the retail banking sector. Researchers argue that service quality and customer satisfaction are the predictors of customer loyalty \hyperref[b32]{(Tariq and Moussaoui, 2009)}. \hyperref[b11]{Garland \& Gendall (2004)} mentioned that a loyal customer uses few banks, the highest likelihood of increasing business with the main bank, and the lowest probability of defection from that bank. The findings from the regression analysis disclosed that attitude and behaviour were the most important determinants of the number of banks used. \section[{f) Conceptualization of Hypotheses}]{f) Conceptualization of Hypotheses}\par On the basis of these extensive review of literature following hypotheses have been developed to test the empirical investigation for the purpose of assessing existing and expected perceived service quality gap of commercial banks in Bangladesh. \section[{III. Materials and Methods}]{III. Materials and Methods}\par This study is descriptive and designed to test hypotheses. Therefore, this study is aimed to examine the existing and expected service gap between quality factors leading to the customer satisfaction and loyalty to the commercial banks in Bangladesh. The hypotheses have been drawn based on the literature review and the empirical tests have been deployed for explaining the relationship among variables. The structured questionnaire sampling procedure has been applied to collect data. The survey is conducted during March 2023 to May 2023 and total 120 number of bank customers from different areas of Bangladesh have been taken for this study.\par This study is based on primary data originating from a survey. For this purpose a constructed questionnaire has been developed. Excepting the questions regarding demographic characteristics and user's value added service interface of the respondents and the issues relating to basic services, advanced services, costs and prestiges, customer satisfaction and customer loyalty of commercial banks of Bangladesh measured and investigated through 5 point scale \hyperref[b5]{(Brayfield \& Rothe, 1951)}. The scale consists of 50 statements, for each statement has five options/ points such as strongly disagree (1), disagree (2), undecided (3), agree (4), and strongly agree \hyperref[b4]{(5)}. SPSS Statistics software package version 22 is used for statistical analysis. Reliability of data has been measured by using the Cronbach Alpha \hyperref[b8]{(Cronbach, 1951)}. Cronbach Alpha was 0.913. Alpha is higher than that is suggested by {\ref Nunnally (1978)} and therefore data collected can be considered reliable. Descriptive statistical techniques such as mean and standard deviation were used to measure the mean scores and their variability. Pair sample mean difference tests has been deployed to find out the mean differences of paired variables and used to test the hypotheses. Paired sample Pearson Correlation is used to indicate correlations among the variables. \section[{IV. Results}]{IV. Results} \section[{a) Paired Samples Statistics}]{a) Paired Samples Statistics}\par Descriptive statistics such as mean is used to measure the average value of the variables and standard deviation is used to test the variability of the mean value. Five point scales is used to collect perception regarding the variables. Therefore, mean value of variables ranges 1 to 5. A mean value below 2.5 is below average, mean value 2.5 to 2.9 is above average, mean value 3 to 3.9 is moderate and mean value 4 to 5 is high. \section[{b) Paired Sample Correlations}]{b) Paired Sample Correlations}\par A correlation is a single number that describes the strength of the linear relationship between two or more interrelated quantitative variables. A mathematical measure between two set of variables is called the Correlation Coefficient. It is most commonly symbolized by the letter r. The value of correlation coefficient (r) lies between -1 to +1. In universal, r > 0 indicates positive relationship, r < 0 indicates negative relationship while r is = 0 indicates no relationship. Here r = +1.0 describes a perfect positive linear relationship and r = -1.0 describes a perfect negative linear relationship. Closer the coefficients of +1.0 and -1.0, greater the strength of positive/negative the relationship between the variables. The following general guidelines indicate a quick way of interpreting the value of correlation coefficient: -.9 to -1.0 or +1.0 to +0.9 very strong; -0.9 to -0.7 or +0.7 to +0.9 strong high; -0.7 to -0.4 or +0.4 to +0.7 moderate; -0.4 to -0.2 or +0.2 to +0.4 weak/low correlation and -0.2 to 0.0 or 0.0 to +0.2 very weak to negligible negative/positive correlation \hyperref[b34]{(Ullah \& Rahman, 2015)}. \section[{V. Discussion on Results}]{V. Discussion on Results}\par Paired sample t-statistics of the study shows that there is no significance difference between the existing and expected services of commercial banks of Bangladesh in terms of basic service, advanced service, cost and prestige, customer satisfaction and customer loyalty. The results of the paired difference t-test showed that the quality of services offered to the customers of commercial banks do not vary between existing and expected services i.e. the hypotheses designed to find out significant differences between the existing and expected service factors in terms of basic service, advanced service, cost and prestige, customer satisfaction and customer loyalty have been rejected. Although the banking sector needs has become more diverse and exotic than ever before, the choice between existing and expected service quality does not vary and has positive effect on customer satisfaction and customer loyalty. \section[{VI. Conclusions and Recommendations}]{VI. Conclusions and Recommendations}\par For retaining existing customers and to convert them as loyal customers, the banking industry offers the most attractive and unique service features which are better than competitors do for maximizing the perceived customer satisfaction in a highly competitive marketplace. From the customers' perspective, service quality significantly influences customer satisfaction and customer satisfaction has direct influences on loyalty. Research findings indicate that service quality influences existing services than focusing on expected services as change is dynamic and need not to focus on closing the gap because service nature is frequently changing. It is therefore imperative on the part of bankers to stress upon both service quality and customer satisfaction, in order to raise the retention intentions of customers.\par Organization's success is associated with concentration to customer and provide better service to the customers that leads to higher customer satisfaction and ultimately to gain the corporate objective. While, quality service is essential in today's competitive market. The objective of this study was to identify the gap between existing and expected service quality of commercial banks in Bangladesh. Although there is no significant differences in existing and expected services, the researcher also tried to recommend some issues for improving service quality of the commercial banks of Bangladesh. \begin{figure}[htbp] \noindent\textbf{1} \par \begin{longtable}{P{0.6375\textwidth}P{0.2125\textwidth}} \multicolumn{2}{l}{Reliability Statistics}\\ Cronbach's Alpha\tabcellsep No. of Items\\ .913\tabcellsep 50\end{longtable} \par \caption{\label{tab_0}Table 1 :}\end{figure} \begin{figure}[htbp] \noindent\textbf{2} \par \begin{longtable}{P{0.16014492753623188\textwidth}P{0.0533816425120773\textwidth}P{0.6364734299516908\textwidth}} Year 2023\tabcellsep \tabcellsep \\ Volume XXIII Issue II Version I\tabcellsep \tabcellsep \\ ( ) E\tabcellsep \tabcellsep \\ Global Journal of Management and Business Research\tabcellsep Pair Pair 1 Pair 2 Pair 3 Pair 4 Pair 5\tabcellsep Paired Samples Statistics Factors Mean N Std. Deviation Existing Basic Service 3.59 120 .561 Expected Basic Service 3.70 120 .822 Existing Advanced Service 3.26 120 .614 Expected Advanced Service 3.47 120 1.040 Existing Cost and Prestige 3.41 120 .594 Expected Cost and Prestige 3.51 120 1.034 Existing Customer Satisfaction 3.49 120 .636 Expected Customer Satisfaction 3.53 120 1.045 Expected Customer Loyalty 3.50 120 1.005 Existing Customer Loyalty 3.60 120 .591\\ © 2023 Global Journals\tabcellsep \tabcellsep \end{longtable} \par \caption{\label{tab_1}Table 2 :}\end{figure} \begin{figure}[htbp] \noindent\textbf{3} \par \begin{longtable}{P{0.5645949107926294\textwidth}P{0.261787072243346\textwidth}P{0.02361801696402457\textwidth}} \tabcellsep \tabcellsep Year 2023\\ \multicolumn{2}{l}{Paired Samples Correlations Factors Existing Basic Service \& Expected Basic Service Existing Advanced Service \& Expected Advanced Service Existing Cost and Prestige \& Expected Cost and Prestige Existing Customer Satisfaction \& Expected Customer Satisfaction Existing Customer Loyalty \& Expected Customer Loyalty Table 3 shows the Pearson's correlation Pair Pair 1 Pair 2 Pair 3 Pair 4 Pair 5 coefficient of the variables of the study. The results show that there is a very weak, significant positive correlation between the Existing Basic Service \& Expected Basic Service with coefficient correlation r = .003 at p < 0.971 is -1.86 with 119 degrees of freedom. The N R Sig. 120 .003 .971 120 -.126 .169 120 .024 .796 120 -.199 .029 120 -.174 .057 corresponding two tailed p-value is 0.065, which is greater than 0.05. Therefore, we conclude that the mean difference of Existing \& Expected Advanced Services of commercial banks is not different from 0.}\tabcellsep Volume XXIII Issue II Version I\\ level. There is a very weak, low significant negative correlation between the Existing Advanced Service \&\tabcellsep In paired sample 3, Existing \& Expected Cost and Prestige of commercial banks, the t-statistic is -.87\tabcellsep ( ) E\\ Expected Advanced Service with coefficient correlation r = -.126 at p < 0.169 level. There is a very weak, significant positive correlation between the Existing Cost and Prestige \& Expected Cost and Prestige with coefficient correlation r = .024 at p < 0.796 level. There is a very weak, significant negative correlation between the Existing Customer Satisfaction \& Expected Customer Satisfaction with coefficient correlation r = -.199 at p < 0.029 level. There is a very weak, significant negative correlation between the Existing Customer Loyalty \& Expected Customer Loyalty with coefficient correlation r = -.174 at p < 0.057 level. c) Paired Difference t-test A paired t-test has been used to test a mean difference between paired samples (Existing \& Expected). In table 4, paired sample 1, Existing \& Expected Basic Services of commercial banks, the t-statistic is -1.23 with 119 degrees of freedom. The corresponding two tailed p-value is 0.221, which is\tabcellsep with 119 degrees of freedom. The corresponding two tailed p-value is 0.384, which is greater than 0.05. Therefore, we conclude that the mean difference of Existing \& Expected Cost and Prestige of commercial banks is not different from 0. In paired sample 4, Existing \& Expected Customer Satisfaction of commercial banks, the t-statistic is -.31 with 119 degrees of freedom. The corresponding two tailed p-value is 0.752, which is greater than 0.05. Therefore, we conclude that the mean difference of Existing \& Expected Customer Satisfation of commercial banks is not different from 0. In paired sample 5, Existing \& Expected Customer Loyalty of commercial banks, the t-statistic is .88 with 119 degrees of freedom. The corresponding two tailed p-value is 0.376, which is greater than 0.05. Therefore, we conclude that the mean difference of Existing \& Expected Customer Loyalty of commercial banks is not different from 0.\tabcellsep Global Journal of Management and Business Research\\ greater than 0.05. Therefore, we conclude that the mean\tabcellsep \tabcellsep \\ difference of Existing \& Expected Basic Services of\tabcellsep \tabcellsep \\ commercial banks is not different from 0.\tabcellsep \tabcellsep \\ In paired sample 2, Existing \& Expected\tabcellsep \tabcellsep \\ Advanced Services of commercial banks, the t-statistic\tabcellsep \tabcellsep \\ \tabcellsep © 2023 Global Journals\tabcellsep \end{longtable} \par \caption{\label{tab_2}Table 3 :}\end{figure} \begin{figure}[htbp] \noindent\textbf{4} \par \begin{longtable}{P{0.6906249999999999\textwidth}P{0.008854166666666666\textwidth}P{0.017708333333333333\textwidth}P{0.1328125\textwidth}} Paired Samples Test\tabcellsep \tabcellsep \tabcellsep \\ Paired Differences\tabcellsep \tabcellsep \tabcellsep \\ 95\% Confidence\tabcellsep \tabcellsep \tabcellsep \\ Interval of the Difference\tabcellsep T\tabcellsep Df\tabcellsep Sig. 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