Main Article Content
Abstract
Customer service is a core competitive edge in any service industry, including the retail banking sector. However, retail bank customers, especially in Angola, often complained of standing in long queues waiting to be served and difficulty handling technology while transitioning to online banking. This qualitative single-case study used competency-based theory to develop a framework for the customer service training competencies of a selected retail bank in Angola. Purposeful sampling was employed to select eight participants, including bank employees and customers who voluntarily participated in this study. Data was collected through semi-structured interviews using WhatsApp calls and audio recordings. It was thematically analyzed using the HyperResearch software. The emerging themes included change, customer service, responsiveness, human resource process improvement, managerial competency, customer relationship management, and online banking. The findings have implications for bank employees’ training and development of the identified competencies needed to redefine the future of customer relationship management and different dimensions of managing customer satisfaction for proactive business recovery.
Keywords
Article Details
References
- Agha, S., Alrubaiee, L., & Jamhour, M. (2012). Effect of core competence on competitive advantage and organizational performance. International Journal of Business and Management, 7(1), 192. https://doi.org/10.5539/ijbm.v7n1p192
- Anjum, S., & Ali, T. (2018). Role of effective training and development programs in achieving high professional performance in the Asian banking industry. Journal of Finance, Accounting, and Management, 9(2), 1-10. https://shorturl.at/dkYGV
- Armstrong, M., & Taylor, S. (2020). Armstrong’s Handbook of Human Resource Management Practice (15th ed). Kogan Page.
- Baicu, C. G., Gârdan, I. P., Gârdan, D. A., & Epuran, G. (2020). The impact of COVID-19 on consumer behavior in retail banking. Evidence from Romania. Management & Marketing, 15(s1), 534-556. https://doi.org/10.2478/mmcks-2020-0031
- Barodiya, P., & Chauhan, A. S. (2015). Impact of Retail Banking on Indian Economy. International Journal of Scientific Research, 6, 3295-3299. https://shorturl.at/JcGtG
- BBC Africa. (November 2016). Why Zimbabweans are spending the night outside banks. Retrieved from https://shorturl.at/agyA1
- Bhat, S. A., Darzi, M. A., & Parrey, S. H. (2018). Antecedents of customer loyalty in banking sector: a mediational study. Vikalpa, 43(2), 92-105. https://doi.org/10.1177/0256090918774697
- Bick, G., Abratt, R., Möller, D. (2010). Customer service expectations in retail banking in Africa. South African Journal of Business Management, 41(2), 13-28. https://doi.org/10.4102/sajbm.v41i2.515
- Bin Atan, J., Raghavan, S., & Mahmood, N. H. N. (2015). Impact of training on employees’ job performance: A case study of Malaysian small medium enterprise. Review of Management, 5(1/2), 40. https://shorturl.at/UQjK9
- Biswas, S., Carson, B., Chung, V., Singh, S., & Thomas, R. (2020). AI-bank of the future: Can banks meet the AI challenge? McKinsey & Company.
- Bloomberg, L. D., & Volpe, M. (2018). Completing your qualitative dissertation. A road map from beginning to end. Sage.
- Creswell, J. W., & Creswell, D. J. (2018). Qualitative, quantitative, and mixed methods approaches (5th ed). Sage.
- Darjana, D., Wiryono, S. K., & Koesrindartoto, D. P. (2022). The COVID-19 pandemic impact on the banking sector. Asian Economics Letters, 3(Early View), 29955. https://doi.org/10.46557/001c.29955
- Das, J., & Jain, P. K. (2018). Level of job satisfaction in private sector banks: a comparative study of various private sector banks of Guwahati. SUMEDHA Journal of Management, 7(3), 29-39. https://shorturl.at/nwURD
- Deshpande, S., & Munshi, M. M. (2020). The impact of soft skills training on the behavior and work performance of employees in service organizations. IUP Journal of Soft Skills, 14(1). https://shorturl.at/HTeGY
- Dessler, G. (2020). Human resource management (16th ed). Pearson.
- Dikshit, A., & Jain, T. K. (2017). Employee Retention, Training and Development in Banking Sector: A Review Paper. Training and Development in Banking Sector: A Review Paper (May 18, 2017). http://dx.doi.org/10.2139/ssrn.2970490
- Dong, Y. (2021). The impact of the COVID-19 pandemic on the banking sector: Evidence from China and the US. (Publication No. [Master thesis, Jönköping University]. https://shorturl.at/PFUFl
- Elnahass, M., Trinh, V. Q., & Li, T. (2021). Global banking stability in the shadow of Covid-19 outbreak. Journal of International Financial Markets, Institutions and Money, 72, 101322. https://doi.org/10.1016/j.intfin.2021.101322
- Fuller, R. P., & Rice, R. E. (2022). Nonprofit organization communication, crisis planning, and strategic responses to the COVID‐19 pandemic. Journal of Philanthropy and Marketing, 27(3), e1750. https://doi.org/10.1002/nvsm.1750
- Ganesh, A. (2012). A Study on training and employee development in commercial Banks. Journal of Commerce & Accounting Research, 1(2), 1-13. https://shorturl.at/XN7Ww
- Gangrade, S., & Jain, R. K. (2018). Factors affecting customer retention in banks: an empirical study. Prestige International Journal of Management and Research, 10(4), 124-130. https://shorturl.at/oMdII
- George, E., & Zakkariya, K. A. (2015). Job-related stress and job satisfaction: A comparative study among bank employees. Journal of Management Development, 34(3), 316-329. https://shorturl.at/qfwvy
- Gioia, D. A., & Pitre, E. (1990). Multiparadigm perspectives on theory building. Academy of Management Review, 15(4), 584-602. https://shorturl.at/6xe5A
- Groth, M., Wu, Y., Nguyen, H., & Johnson, A. (2019). The moment of truth: A review, synthesis, and research agenda for the customer service experience. Annual Review of Organizational Psychology and Organizational Behavior, 6, 89-113. https://doi.org/10.1146/annurev-orgpsych-012218-015056
- Jayanthi, D. V., & Anupama, R. (2020). The impact of customer knowledge management and customer satisfaction on customer trust and loyalty in the banking sector. Our Heritage, 68(10), 50-56. https://shorturl.at/DMbgE
- Haapio, H., Mero, J., Karjaluoto, H. (2021). Implications of the COVID-19 pandemic on market orientation in retail banking. Journal of Financial Services Marketing, 26(4), 205-214. https://doi.org/10.1057/s41264-021-00099-9
- Heyes, J., & Stuart, M. (1996). Does training matter? Employee experiences and attitudes. Human Resource Management Journal, 6(3), 7-21. https://shorturl.at/PaY2y
- Hinson, R. E., Adeola, O., Nkrumah, K. O., Agyinasare, C., Adom, K., & Amartey, A. F. O. (2019). Customer service essentials: lessons for Africa and beyond. IAP. https://shorturl.at/WW827
- Islam, R., Ahmed, S., Rahman, M., & Al Asheq, A. (2020). Determinants of service quality and its effect on customer satisfaction and loyalty: an empirical study of the private banking sector. The TQM Journal, 33(6), 1163-1182. https://doi.org/10.1108/TQM-05-2020-0119
- Kazira, A. E. (2014). The relationship between Human Resource Management Practices and employee commitment in retail banking of Standard Chartered Bank of Kenya (Doctoral dissertation). University of Nairobi, Kenya. https://shorturl.at/mLyV9
- Lewis, B. R., & Mitchell, V. W. (1990). Defining and measuring the quality of customer service. Marketing intelligence & planning. https://shorturl.at/Fp06L
- Lincoln, Y. S., & Guba, E. G. (1985). Naturalistic inquiry. Sage.
- Lincoln, Y. S., & Guba, E. G. (2013). The constructivist credo. Left Coast.
- Loke, S. P., Taiwo, A. A., Salim, H. M., Downe, A. G., & Petronas, U. T. (2011). Service quality and customer satisfaction in a telecommunication service provider. In International Conference on Financial Management and Economics. IPEDR, 11(2), 23-29. https://shorturl.at/leW9c
- Ludin, I. H. B. H., & Cheng, B. L. (2014). Factors influencing customer satisfaction and e-loyalty: Online shopping environment among the young adults. Management Dynamics in the Knowledge Economy, 2(3), 462. https://shorturl.at/wlVBg
- Luo, C. C., Wang, Y. C., & Tai, Y. F. (2019). Effective training methods for fostering exceptional service employees. Journal of Hospitality and Tourism Insights, 2(4), 469-488. https://doi.org/10.1108/JHTI-01-2019-0013
- Masanja, N. M. (2019). Human resource manual: A practical guide for human resource practitioners. Retrieved from https://shorturl.at/gO9F9
- Maggon, M., & Chaudhry, H. (2018). Exploring relationships between customer satisfaction and customer attitude from customer relationship management viewpoint: An empirical study of leisure travelers. FIIB Business Review, 7(1), 57-65. https://doi.org/10.1177/2319714518766118
- Marcu, M. R. (2021). The impact of the COVID-19 pandemic on the banking sector. Management Dynamics in the Knowledge Economy. https://tinyurl.com/4uyw3hn2
- McClelland, D. C. (1973). Testing for competence rather than for “intelligence.” American Psychologist, 28(1), 1. https://doi.org/10.1037/h0034092
- McClelland, D. C. (1998). Identifying competencies with behavioral-event interviews. Psychological Science, 9(5), 331-339. https://www.jstor.org/stable/40063317
- Merriam, S. (1998). Qualitative research and case study applications in education. Jossey-Bass.
- Merriam, S. B., Tisdell, E. J. (2016). Qualitative research is a guide to design and implementation. Wiley.
- Milan, G. S., Slongo, L. A., Eberle, L., De Toni, D., & Bebber, S. (2018). Determinants of customer loyalty: a study with customers of a Brazilian bank. Benchmarking: An International Journal, 25(9), 3935-3950. https://doi.org/10.1108/BIJ-08-2017-0231
- Miles, D. A. (2017, August). A taxonomy of research gaps: Identifying and defining the seven research gaps. In Doctoral student workshop: finding research gaps-research methods and strategies, Dallas, Texas (pp. 1-15). https://shorturl.at/9AkkM
- Mirabile, R. J. (1997). Everything you wanted to know about competency modeling. Training & Development, 51(8), 73-78.
- Muchemi, L. W. (2017). Factors contributing to the adoption of Internet banking in Commercial Bank of Africa, Kenya (Doctoral dissertation). Maseno University. https://shorturl.at/oQDAP
- Mutsonziwa, K. (2015). What matters to South African bank customers? A case study of four main South African banks. PRIMA: Practices & Research in Marketing, 6. http://www.publishingindia.com/
- Naude, P., & Rudansky-Kloppers, S. (2016). Perceptions of customers regarding their expectations of service quality in South African full-service restaurants. The International Business & Economics Research Journal (Online), 15(2), 55. https://shorturl.at/gsDFN
- Odoardi, C., Cangialosi, N., & Battistelli, A. (2022). HR training practices and innovative work behavior: a moderated mediation model. International Journal of Human Resources Development and Management, 22(1-2), 1-18. https://shorturl.at/hPNGq
- Okharedia, A. A. (2014). Level of customer satisfaction: an analysis of Vodacom services in Gauteng province of South Africa. Journal of Business and Retail Management Research, 8(1). https://doi.org/10.24052/JBRMR/159
- Rahman, Z. (2006). Customer experience management—A case study of an Indian bank. Journal of Database Marketing & Customer Strategy Management, 13(3), 203-221. https://doi.org/10.1057/palgrave.dbm.3240298
- Ravitch, S. M., & Carl, N. M. (2016). Qualitative research: Bridging the conceptual, theoretical, and Methodological. Sage.
- Rensleigh, C. (2010). Customer perceptions on Internet banking information protection. South African Journal of Information Management, 12(1), 1-6. https://shorturl.at/krnVI
- Sahinidis, A. G., & Bouris. J. (2008). Employees perceived training effectiveness relationship to employee attitudes. Journal of European Industrial Training, 32(1), 63-76. https://doi.org/10.1108/03090590810846575
- Saunders, M. K. N., Lewis, P., & Thornhill, A. (2019). Research methods for business studies (8th ed.). United Kingdom: Pearson Education Limited.
- Seetharaman, P. (2020). Business models shift: Impact of Covid-19. International Journal of Information Management, 54, 102173. https://doi.org/10.1016/j.ijinfomgt.2020.102173
- Soltani, E., & Liao, Y. Y. (2010). Training interventions: Fulfilling managerial ends or proliferating invaluable means for employees? Some evidence from Iran. European Business Review, 22(2), 128-152. https://doi.org/10.1108/09555341011023498
- Surve, A. A. (2020). Impact of artificial intelligence in human resource management [Doctoral dissertation, Doctoral Dissertation]. University of Mumbai). https://shorturl.at/KLy8f
- Ukonu, I. O., & Dialoke, I. (2016). An assessment of training as a tool for developing human resources in Federal Radio Corporation of Nigeria. Journal of Management and Training for Industries, 3(1), 1-18. https://doi.org/10.12792/JMTI.3.1.1
- Vijayalakshmi, B., & Sailaja, M. (2016). A study on contemporary challenges and opportunities of retail banking in India. Global Journal of Finance and Management, 8(2), 131-141. https://shorturl.at/MdU6T
- Vives, X. (2017). The impact of FinTech on banking. European Economy, (2), 97-105. https://shorturl.at/K39jf
- WHO. (2020). Coronavirus disease (COVID 19). https://www.who.int/emergencies/diseases/novel-coronavirus-2019
- Woods, S. A., Patterson, F. C., Koczwara, A., & Sofat, J. A. (2016). The value of being a conscientious learner: Examining the effects of the big five personality traits on self-reported learning from training. Journal of Workplace Learning, 28(7), 424-434. https://doi.org/10.1108/JWL-10-2015-0073
- Yin, R. K. (2016). Qualitative research from start to finish (2nd ed.). The Guilford.
- Zeithaml, V. A., Berry, L. L., & Parasuraman, A. (1988). Communication and control processes in the delivery of service quality. Journal of Marketing, 52(2), 35-48. https://www.jstor.org/stable/1251263
References
Agha, S., Alrubaiee, L., & Jamhour, M. (2012). Effect of core competence on competitive advantage and organizational performance. International Journal of Business and Management, 7(1), 192. https://doi.org/10.5539/ijbm.v7n1p192
Anjum, S., & Ali, T. (2018). Role of effective training and development programs in achieving high professional performance in the Asian banking industry. Journal of Finance, Accounting, and Management, 9(2), 1-10. https://shorturl.at/dkYGV
Armstrong, M., & Taylor, S. (2020). Armstrong’s Handbook of Human Resource Management Practice (15th ed). Kogan Page.
Baicu, C. G., Gârdan, I. P., Gârdan, D. A., & Epuran, G. (2020). The impact of COVID-19 on consumer behavior in retail banking. Evidence from Romania. Management & Marketing, 15(s1), 534-556. https://doi.org/10.2478/mmcks-2020-0031
Barodiya, P., & Chauhan, A. S. (2015). Impact of Retail Banking on Indian Economy. International Journal of Scientific Research, 6, 3295-3299. https://shorturl.at/JcGtG
BBC Africa. (November 2016). Why Zimbabweans are spending the night outside banks. Retrieved from https://shorturl.at/agyA1
Bhat, S. A., Darzi, M. A., & Parrey, S. H. (2018). Antecedents of customer loyalty in banking sector: a mediational study. Vikalpa, 43(2), 92-105. https://doi.org/10.1177/0256090918774697
Bick, G., Abratt, R., Möller, D. (2010). Customer service expectations in retail banking in Africa. South African Journal of Business Management, 41(2), 13-28. https://doi.org/10.4102/sajbm.v41i2.515
Bin Atan, J., Raghavan, S., & Mahmood, N. H. N. (2015). Impact of training on employees’ job performance: A case study of Malaysian small medium enterprise. Review of Management, 5(1/2), 40. https://shorturl.at/UQjK9
Biswas, S., Carson, B., Chung, V., Singh, S., & Thomas, R. (2020). AI-bank of the future: Can banks meet the AI challenge? McKinsey & Company.
Bloomberg, L. D., & Volpe, M. (2018). Completing your qualitative dissertation. A road map from beginning to end. Sage.
Creswell, J. W., & Creswell, D. J. (2018). Qualitative, quantitative, and mixed methods approaches (5th ed). Sage.
Darjana, D., Wiryono, S. K., & Koesrindartoto, D. P. (2022). The COVID-19 pandemic impact on the banking sector. Asian Economics Letters, 3(Early View), 29955. https://doi.org/10.46557/001c.29955
Das, J., & Jain, P. K. (2018). Level of job satisfaction in private sector banks: a comparative study of various private sector banks of Guwahati. SUMEDHA Journal of Management, 7(3), 29-39. https://shorturl.at/nwURD
Deshpande, S., & Munshi, M. M. (2020). The impact of soft skills training on the behavior and work performance of employees in service organizations. IUP Journal of Soft Skills, 14(1). https://shorturl.at/HTeGY
Dessler, G. (2020). Human resource management (16th ed). Pearson.
Dikshit, A., & Jain, T. K. (2017). Employee Retention, Training and Development in Banking Sector: A Review Paper. Training and Development in Banking Sector: A Review Paper (May 18, 2017). http://dx.doi.org/10.2139/ssrn.2970490
Dong, Y. (2021). The impact of the COVID-19 pandemic on the banking sector: Evidence from China and the US. (Publication No. [Master thesis, Jönköping University]. https://shorturl.at/PFUFl
Elnahass, M., Trinh, V. Q., & Li, T. (2021). Global banking stability in the shadow of Covid-19 outbreak. Journal of International Financial Markets, Institutions and Money, 72, 101322. https://doi.org/10.1016/j.intfin.2021.101322
Fuller, R. P., & Rice, R. E. (2022). Nonprofit organization communication, crisis planning, and strategic responses to the COVID‐19 pandemic. Journal of Philanthropy and Marketing, 27(3), e1750. https://doi.org/10.1002/nvsm.1750
Ganesh, A. (2012). A Study on training and employee development in commercial Banks. Journal of Commerce & Accounting Research, 1(2), 1-13. https://shorturl.at/XN7Ww
Gangrade, S., & Jain, R. K. (2018). Factors affecting customer retention in banks: an empirical study. Prestige International Journal of Management and Research, 10(4), 124-130. https://shorturl.at/oMdII
George, E., & Zakkariya, K. A. (2015). Job-related stress and job satisfaction: A comparative study among bank employees. Journal of Management Development, 34(3), 316-329. https://shorturl.at/qfwvy
Gioia, D. A., & Pitre, E. (1990). Multiparadigm perspectives on theory building. Academy of Management Review, 15(4), 584-602. https://shorturl.at/6xe5A
Groth, M., Wu, Y., Nguyen, H., & Johnson, A. (2019). The moment of truth: A review, synthesis, and research agenda for the customer service experience. Annual Review of Organizational Psychology and Organizational Behavior, 6, 89-113. https://doi.org/10.1146/annurev-orgpsych-012218-015056
Jayanthi, D. V., & Anupama, R. (2020). The impact of customer knowledge management and customer satisfaction on customer trust and loyalty in the banking sector. Our Heritage, 68(10), 50-56. https://shorturl.at/DMbgE
Haapio, H., Mero, J., Karjaluoto, H. (2021). Implications of the COVID-19 pandemic on market orientation in retail banking. Journal of Financial Services Marketing, 26(4), 205-214. https://doi.org/10.1057/s41264-021-00099-9
Heyes, J., & Stuart, M. (1996). Does training matter? Employee experiences and attitudes. Human Resource Management Journal, 6(3), 7-21. https://shorturl.at/PaY2y
Hinson, R. E., Adeola, O., Nkrumah, K. O., Agyinasare, C., Adom, K., & Amartey, A. F. O. (2019). Customer service essentials: lessons for Africa and beyond. IAP. https://shorturl.at/WW827
Islam, R., Ahmed, S., Rahman, M., & Al Asheq, A. (2020). Determinants of service quality and its effect on customer satisfaction and loyalty: an empirical study of the private banking sector. The TQM Journal, 33(6), 1163-1182. https://doi.org/10.1108/TQM-05-2020-0119
Kazira, A. E. (2014). The relationship between Human Resource Management Practices and employee commitment in retail banking of Standard Chartered Bank of Kenya (Doctoral dissertation). University of Nairobi, Kenya. https://shorturl.at/mLyV9
Lewis, B. R., & Mitchell, V. W. (1990). Defining and measuring the quality of customer service. Marketing intelligence & planning. https://shorturl.at/Fp06L
Lincoln, Y. S., & Guba, E. G. (1985). Naturalistic inquiry. Sage.
Lincoln, Y. S., & Guba, E. G. (2013). The constructivist credo. Left Coast.
Loke, S. P., Taiwo, A. A., Salim, H. M., Downe, A. G., & Petronas, U. T. (2011). Service quality and customer satisfaction in a telecommunication service provider. In International Conference on Financial Management and Economics. IPEDR, 11(2), 23-29. https://shorturl.at/leW9c
Ludin, I. H. B. H., & Cheng, B. L. (2014). Factors influencing customer satisfaction and e-loyalty: Online shopping environment among the young adults. Management Dynamics in the Knowledge Economy, 2(3), 462. https://shorturl.at/wlVBg
Luo, C. C., Wang, Y. C., & Tai, Y. F. (2019). Effective training methods for fostering exceptional service employees. Journal of Hospitality and Tourism Insights, 2(4), 469-488. https://doi.org/10.1108/JHTI-01-2019-0013
Masanja, N. M. (2019). Human resource manual: A practical guide for human resource practitioners. Retrieved from https://shorturl.at/gO9F9
Maggon, M., & Chaudhry, H. (2018). Exploring relationships between customer satisfaction and customer attitude from customer relationship management viewpoint: An empirical study of leisure travelers. FIIB Business Review, 7(1), 57-65. https://doi.org/10.1177/2319714518766118
Marcu, M. R. (2021). The impact of the COVID-19 pandemic on the banking sector. Management Dynamics in the Knowledge Economy. https://tinyurl.com/4uyw3hn2
McClelland, D. C. (1973). Testing for competence rather than for “intelligence.” American Psychologist, 28(1), 1. https://doi.org/10.1037/h0034092
McClelland, D. C. (1998). Identifying competencies with behavioral-event interviews. Psychological Science, 9(5), 331-339. https://www.jstor.org/stable/40063317
Merriam, S. (1998). Qualitative research and case study applications in education. Jossey-Bass.
Merriam, S. B., Tisdell, E. J. (2016). Qualitative research is a guide to design and implementation. Wiley.
Milan, G. S., Slongo, L. A., Eberle, L., De Toni, D., & Bebber, S. (2018). Determinants of customer loyalty: a study with customers of a Brazilian bank. Benchmarking: An International Journal, 25(9), 3935-3950. https://doi.org/10.1108/BIJ-08-2017-0231
Miles, D. A. (2017, August). A taxonomy of research gaps: Identifying and defining the seven research gaps. In Doctoral student workshop: finding research gaps-research methods and strategies, Dallas, Texas (pp. 1-15). https://shorturl.at/9AkkM
Mirabile, R. J. (1997). Everything you wanted to know about competency modeling. Training & Development, 51(8), 73-78.
Muchemi, L. W. (2017). Factors contributing to the adoption of Internet banking in Commercial Bank of Africa, Kenya (Doctoral dissertation). Maseno University. https://shorturl.at/oQDAP
Mutsonziwa, K. (2015). What matters to South African bank customers? A case study of four main South African banks. PRIMA: Practices & Research in Marketing, 6. http://www.publishingindia.com/
Naude, P., & Rudansky-Kloppers, S. (2016). Perceptions of customers regarding their expectations of service quality in South African full-service restaurants. The International Business & Economics Research Journal (Online), 15(2), 55. https://shorturl.at/gsDFN
Odoardi, C., Cangialosi, N., & Battistelli, A. (2022). HR training practices and innovative work behavior: a moderated mediation model. International Journal of Human Resources Development and Management, 22(1-2), 1-18. https://shorturl.at/hPNGq
Okharedia, A. A. (2014). Level of customer satisfaction: an analysis of Vodacom services in Gauteng province of South Africa. Journal of Business and Retail Management Research, 8(1). https://doi.org/10.24052/JBRMR/159
Rahman, Z. (2006). Customer experience management—A case study of an Indian bank. Journal of Database Marketing & Customer Strategy Management, 13(3), 203-221. https://doi.org/10.1057/palgrave.dbm.3240298
Ravitch, S. M., & Carl, N. M. (2016). Qualitative research: Bridging the conceptual, theoretical, and Methodological. Sage.
Rensleigh, C. (2010). Customer perceptions on Internet banking information protection. South African Journal of Information Management, 12(1), 1-6. https://shorturl.at/krnVI
Sahinidis, A. G., & Bouris. J. (2008). Employees perceived training effectiveness relationship to employee attitudes. Journal of European Industrial Training, 32(1), 63-76. https://doi.org/10.1108/03090590810846575
Saunders, M. K. N., Lewis, P., & Thornhill, A. (2019). Research methods for business studies (8th ed.). United Kingdom: Pearson Education Limited.
Seetharaman, P. (2020). Business models shift: Impact of Covid-19. International Journal of Information Management, 54, 102173. https://doi.org/10.1016/j.ijinfomgt.2020.102173
Soltani, E., & Liao, Y. Y. (2010). Training interventions: Fulfilling managerial ends or proliferating invaluable means for employees? Some evidence from Iran. European Business Review, 22(2), 128-152. https://doi.org/10.1108/09555341011023498
Surve, A. A. (2020). Impact of artificial intelligence in human resource management [Doctoral dissertation, Doctoral Dissertation]. University of Mumbai). https://shorturl.at/KLy8f
Ukonu, I. O., & Dialoke, I. (2016). An assessment of training as a tool for developing human resources in Federal Radio Corporation of Nigeria. Journal of Management and Training for Industries, 3(1), 1-18. https://doi.org/10.12792/JMTI.3.1.1
Vijayalakshmi, B., & Sailaja, M. (2016). A study on contemporary challenges and opportunities of retail banking in India. Global Journal of Finance and Management, 8(2), 131-141. https://shorturl.at/MdU6T
Vives, X. (2017). The impact of FinTech on banking. European Economy, (2), 97-105. https://shorturl.at/K39jf
WHO. (2020). Coronavirus disease (COVID 19). https://www.who.int/emergencies/diseases/novel-coronavirus-2019
Woods, S. A., Patterson, F. C., Koczwara, A., & Sofat, J. A. (2016). The value of being a conscientious learner: Examining the effects of the big five personality traits on self-reported learning from training. Journal of Workplace Learning, 28(7), 424-434. https://doi.org/10.1108/JWL-10-2015-0073
Yin, R. K. (2016). Qualitative research from start to finish (2nd ed.). The Guilford.
Zeithaml, V. A., Berry, L. L., & Parasuraman, A. (1988). Communication and control processes in the delivery of service quality. Journal of Marketing, 52(2), 35-48. https://www.jstor.org/stable/1251263