Investigating the Effect of Customer Service Quality and Customer's Knowledge of the Bank on Customer Loyalty (with an Emphasis on Subjective Image, Customer Relationship Quality and Satisfaction as Mediator Variables)

In the ultracompetitive environment of today world, customers are considered as the core and primary formation of market activities and success and survival of any industry is expressed as the preparation and provision of high quality services to customers so the opportunity to attract new customers and growth of profitability can be provided by increasing loyalty. This paper with the purpose of designing the structural equations model, attempts to provide a model by analyzing the intermediate variables in the statistical population of Tejarat bank branches. To achieve this, the required data were collected using a survey method and questionnaires after Confirmatory factor Analysis (CFA) for determining constructional validity and Cronbach alpha for reliability among Tejarat bank branches in Ardabil by the simple random sampling method on 400 customers in 2014 and the obtained results were analyzed by some soft wares such as LISLER 9.2, Minitab 18 and SPSS 22. The results from analyze of hypothesis in the structural equations model show that there is a significant relationship among the research variables. In this research, quality of banking services and Knowledge of bank about customers directly and also through the intermediate variables of mental image, quality of communication with customers and satisfaction has had a significant positive effect on loyalty.