Objective - This study was conducted to propose and test a conceptual model to resolve research gaps on customer satisfaction factors in the public sector of service companies, through the variable of corporate social responsibility (CSR), service experience, and customer company identification. Methodology/Technique - This study adopts the expectation theory of disconfirmation of customer satisfaction as a basis for resolving the research gap. Data was collected from 250 customers at a local enterprise water service in West Kalimantan, Indonesia, using a purposive sampling method. The analytical tool used is partial least square (PLS). Findings - The model is confirmed by the data collected and shows that customer satisfaction in local enterprise water services is influenced by services experiences and customer company identification, while CSR activities carried out by the company do not affect customer satisfaction, but CSR affects customer company identification.
Due to the rise and rapid growth in e-commerce in recent years, the use of payment cards for online purchases has dramatically increased the credit and debit cards market. This situation has led to an explosion in payment card fraud and it is causing billions of euros and dollars in losses in the card payment industry.
In addition to direct losses, the brand may be affected by fraud-induced decrease in consumer confidence. It is therefore important to know the opinion and consumer approach to security and payment card fraud. As a result of rising losses, financial institutions and card issuers are constantly searching for new technologies and innovations in payment card fraud detection and prevention.
This article provides several views on personal safety and quality of security that banks devote to payment cards and payment systems and the related research was carried out in an electronic form by means of selective examination in Slovakia in 2015. The study group consisted of 287 respondents, of whom 164 were men and 123 were women. The respondents were categorised by their age, education and job.
The study results can help the issuers of payment cards and banks as well as clients using payment cards, especially in order to increase the prevention of misusage of payment cards and fraud.
The issues of techniques and technology are frequently discussed in economic literature. A variety of professional terminology, language phrases and sometimes neologisms functioning in practice and professional literature of the subject indicate the importance of techniques and technology for the banking activities. One of the aspects of techniques and technology are information technology (IT) systems supporting human resource (HR) management and operation information technology systems. The purpose of this article is to present, analyze and evaluate the impact of information technology systems on the level and structure of employment in the Polish banks. The author’s intention is to support the thesis that application of information technology systems in the Polish banking systems has caused a significant change in the level and structure of employment. In the analysis, the usage of the IT systems supporting human resource management has been depicted in order to finally be able to evaluate the impact of the IT systems on the level and structure of employment in banks.