The Importance of Relationship Officers in Banks’ Service Marketing
International Journal of Finance and Banking Research
Volume 4, Issue 1, February 2018, Pages: 1-12
Received: Jan. 19, 2018; Accepted: Feb. 1, 2018; Published: Mar. 2, 2018
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Henry Ajagbawa, International Business Management, International School of Management, Paris, France
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AI and intelligent machines are fast substituting the human element in production and delivery of goods and services in all sectors of the economy. In banking, the human factor played by relationship officers is challenged as most relationship management functions are being migrated to alternative channels and platforms. Is this the end of relationship officers in the delivery platform mix? This research asked customers in a Nigerian bank, their perceptions concerning the extent of satisfaction they received from the bank’s engrained service culture relative to the satisfaction they derived from the individual style and quality of the relationship officers that work for the bank. Using averages and structural equation modelling, this research provided, with reliability and validity, evidence that the customers placed more premium on the relationship officers than the entire bank’s platform of systems and processes. The significance of this result is that banks must evaluate critically the pace, mix and timing, of their migration strategy of relationship management roles from relationship officers to alternative channels and platforms.
Relationship Officers, Relationship Quality, Culture, Alternative Channels and Platforms, Customer Satisfaction
To cite this article
Henry Ajagbawa, The Importance of Relationship Officers in Banks’ Service Marketing, International Journal of Finance and Banking Research. Vol. 4, No. 1, 2018, pp. 1-12. doi: 10.11648/j.ijfbr.20180401.11
Copyright © 2018 Authors retain the copyright of this article.
This article is an open access article distributed under the Creative Commons Attribution License ( which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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