Consumer perceived ethicality of banks in the era of digitalisation: The case of Poland

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2022-04-01 DOI:10.18559/ebr.2022.1.

D. Piotrowski

引用次数: 2

Abstract

Abstract Ethically conducted business has a positive impact on consumer trust, satisfaction and loyalty. The aim of this paper is to identify the bank activities that customers perceive as ethical and to what extent they affect consumer perceived ethicality. The binomial logit model applied in this study demonstrates that the honesty of financial advice, use of e-banking services and use of artificial intelligence technology to improve the quality of banking services have a significantly positive impact on consumers’ perception of banks in Poland as ethical institutions. Significant variables that negatively influence consumer perceived ethicality include gender, education, use of financial advisory services, banks’ manipulation of information about financial products and use of personal data against the will of customers.

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数字化时代消费者对银行道德的感知:以波兰为例

道德经营对消费者信任、满意度和忠诚度有积极的影响。本文的目的是确定客户认为合乎道德的银行活动，以及它们在多大程度上影响消费者的道德认知。本研究中应用的二项逻辑模型表明，金融建议的诚实性、电子银行服务的使用以及使用人工智能技术来提高银行服务质量对波兰消费者对银行作为道德机构的看法产生了显著的积极影响。对消费者感知的道德产生负面影响的重要变量包括性别、教育、金融咨询服务的使用、银行对金融产品信息的操纵以及违背客户意愿使用个人数据。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.