Developing a new assessment fuzzy model by focusing on improving the reliability of customers’ individual verbal judgment (An Internet Banking case study)

Today, the use of survey-based fuzzy assessment models is very common. Most developed methods, had rarely attended to the reliability of survey participants’ opinions. This paper proposed a new fuzzy multi-criteria evaluation model for improving the reliability of individual’s opinion (verbal judgment). For this, first, SWARA and COPRAS methods are developed in a fuzzy environment. Then, Z-number concept is used to increase data reliability and accuracy of final results, while differentiating between the weight of the evaluators (people participating in the survey). To illustrate the implementation process of the proposed model, a practical case study of Internet Banking is done. This case evaluated the quality of Internet banking services of the Kosar Credit Institute based on customer satisfaction criteria. Finally, while interpreting the numerical results and describing the prominent features of the proposed fuzzy model, management results and suggestions are also discussed. The proposed approach in this paper is a new fuzzy multi-criteria decision making model that improves the reliability of individual’s verbal judgment of, while reducing the inherent uncertainty in evaluation issues. This model will improve the reliability of decision-making data and increase the accuracy of final results.