Assessing the Impact of Service Quality on Consumers Satisfaction: a Comparative Study of Commercial Vs Islamic Banks in Pakistan

This study aims to show the path that Islamic banking follows of Sharia' h while on the other hand commercial banks obeys commercial regulations and rules for the purpose of banking. The main objective of the Islamic banking is to offer interest free services and products which obeys the path of Sharia' h and Islamic banking system makes transaction on the foundation of profit and loss, while on the other hand commercial banks are business oriented banks. The sampling method used in this research was convenience sampling with a sample size of 200 which were the customers of the banks and the research design of the questionnaire used was exploratory The questionnaire was distributed in 4 banks 2 commercial and 2 Islamic banks respectively. Dependent variables are ‘customer expectation and perception' while on the other hand independent variable that are used this research are ‘reliability, assurance, tangibles, empathy and responsiveness. The results which are derived from this research shows a negative or less impact of two service quality dimensions on both banks which are Assurance and Empathy. The highest perceived service dimension is “Reliability,” that refers to the reliability of their products and promise to provide the best service quality to their customers. While the lowest perceived service was observed towards “Empathy,” the other two dimension with highest value are tangibility and responsiveness which means that customers' of both commercial and Islamic banks like tangible service and the quick responsiveness towards providing them the best service

Exploiting rules and processes for increasing flexibility in service composition

Recent trends in the use of service oriented architecture for designing, developing, managing, and using distributed applications have resulted in an increasing number of independently developed and physically distributed services. These services can be discovered, selected and composed to develop new applications and to meet emerging user requirements. Service composition is generally defined on the basis of business processes in which the underlying composition logic is guided by specifying control and data flows through Web service interfaces. User demands as well as the services themselves may change over time, which leads to replacing or adjusting the composition logic of previously defined processes. Coping with change is still one of the fundamental problems in current process based composition approaches. In this paper, we exploit declarative and imperative design styles to achieve better flexibility in service composition

Semantic-based policy engineering for autonomic systems

This paper presents some important directions in the use of ontology-based semantics in achieving the vision of Autonomic Communications. We examine the requirements of Autonomic Communication with a focus on the demanding needs of ubiquitous computing environments, with an emphasis on the requirements shared with Autonomic Computing. We observe that ontologies provide a strong mechanism for addressing the heterogeneity in user task requirements, managed resources, services and context. We then present two complimentary approaches that exploit ontology-based knowledge in support of autonomic communications: service-oriented models for policy engineering and dynamic semantic queries using content-based networks. The paper concludes with a discussion of the major research challenges such approaches raise