Exploring Customer Dissatisfaction/Satisfaction and Complaining Responses among Bank Customers in Ghana
Bibliographic record
Abstract
The paper explores the relationship between customer dissatisfaction/satisfaction and complaining responses among bank customers in Ghana banking industry. The study was a cross-sectional survey that used a self-administered structured questionnaire to collect primary data from 448 customers from ten selected banks in Ghana. The findings are that, though dissatisfaction causes customer complaining, dissatisfaction was more prevalent among non-complainers than complainers. Again, frequency of complaining is more likely to increase overall satisfaction if managed effectively. The most likely to be used complaining responses are complaining in person and refraining from using the bank’s services, while the least likely to be used complaining responses are complaining to the mass media and consumer associations. Moreover, public bank customers are more likely to complain by refraining from using the bank’s services and warning family and friends than private bank customers do. There was significant correlation between complaining responses and frequency of complaining, and between complaining responses and overall satisfaction. Theoretical and managerial implications are discussed. In spite of its limitations, the paper contributes to the body of knowledge in the area of consumer complaining behaviour in banking industry in emerging economies.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.004 | 0.003 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.002 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".