The Multilevel Model of Customer Experience Management in E-Banking Services

In the digital age, customer experience management (CEM) has become an important strategy in e-banking services, and customer experience is clearly focused on achieving customer loyalty and long-term growth. Therefore, the main purpose of this research is to provide a customer experience management multilevel model for e-banking services in the retial-banking industry. In this regard, using the qualitative research method, first the customer experience management literature was analyzed and then an in-depth interview was conducted with 15 experts in the banking industry and the data was analyzed using the theme analysis method. In this study, 8 main dimensions, 21 categories and 58 sub-categories for the final model were identified. Of the 8 recognized dimensions of this model, six dimensions of banking devices and portals, marketing, technical infrastructure, organization, industry and macro environment of e-banking services were determined as levels affecting the dimension of customer experience type and one dimension including customer experience management strategy. This study provides a broad conceptualization on customer experience management, provides a new contribution on customer experience management, and provides a framework for creating positive experiences for e-banking service business.