Performance of online banking and direct effect of service quality on consumer retention and credibility of consumer and mediation effect of consumer satisfaction

The purpose of this study is to assess the present status of online banking in India. This research paper is an attempt to identify the effect of online banking service quality on consumer retention and the credibility of consumers in India. The data was collected using Google Forms via an online questionnaire with a sample size of 176 respondents. A quota sampling technique was used; structure equation modelling (SEM), convergent and discriminant validity, and model fitness were achieved through Smart PLS 3. The findings reveal that service quality has a significant direct effect on consumer retention, credibility of consumers, and consumer satisfaction, with a significant mediation effect of consumer satisfaction on consumer retention and credibility of consumers.