Title: Customer complaining behaviour and its consequences in the credit card industry: an empirical investigation in the developing Indian economy

Authors: Shivendra Kumar Pandey

Addresses: Indian Institute of Management Rohtak, M D University Rohtak, Haryana, 124001, India

Abstract: Understanding complaining behaviour in Indian credit card industry was the objective of this research. A foreign bank operating in India had collected customer complaint data in a natural environment and data on 957 such customers were provided by the bank. The antecedents of the complaint process were objectively measured with variables such as the number of times contacted and time taken for resolution of the complaint. The analysis revealed that customers are willing to wait a bit more for a resolution of the complaint provided they are not required to do follow ups. The bank's service quality mediates between the satisfaction from the complaint process and recommendation to a friend. Implications for managers and researchers are discussed.

Keywords: complaining behaviour; complaint resolution; resolution time; customer satisfaction; service rating; customer recommendation; structural equation modelling; SEM; credit cards; India; customer behaviour; customer complaints; foreign banks; banking industry; bank services; service quality.

DOI: 10.1504/IJICBM.2015.070256

International Journal of Indian Culture and Business Management, 2015 Vol.11 No.1, pp.112 - 127

Received: 09 May 2014
Accepted: 11 Jun 2014

Published online: 29 Apr 2015 *

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