Retail Banking Service Quality and Customer Loyalty: The Role of Trust and Commitment as Mediators

Abstract views: 29 / PDF downloads: 25


  • Ephrem Habtemichael Redda North-West University, South Africa
  • Marko Van Deventer North-West University, South Africa.



Service Quality, Trust, Commitment, Loyalty, Mediation Analysis


This research examines how service quality, trust, commitment, and loyalty are related in retail banking. The study proposes a model that includes trust and commitment as mediating factors between service quality, and bank loyalty. The researchers collected data from 271 participants and used a descriptive design and quantitative approach to analyse the data. The study utilized the PROCESS macro-Version 3.5 to conduct the mediation analysis. The results indicate that service quality in retail banking has a positive impact on customer trust and commitment, which, in turn, predict customer loyalty. The mediation analysis reveals that trust and commitment play a significant role in mediating the relationship between service quality and customer loyalty. Since the direct effect of service quality on loyalty remained significant after the intervention/mediation of trust and commitment in the model, the mediation is interpreted as partial mediation. Findings of the study do provide a marketing guide to banking professionals who design and implement banking solutions in the retail banking environment.


Download data is not yet available.




How to Cite

Redda, E. H., & Van Deventer, M. (2023). Retail Banking Service Quality and Customer Loyalty: The Role of Trust and Commitment as Mediators. International Review of Management and Marketing, 13(5), 18–25.