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  <front>
    <journal-meta>
      <journal-id journal-id-type="publisher">AJA</journal-id>
      <journal-id journal-id-type="nlm-ta">Arab J. Admin.</journal-id>
      <issn pub-type="ppub">1110-5453</issn>
      <issn pub-type="epub">2663-4473</issn>
      <journal-title-group>
        <journal-title>The Arab Journal of Administration</journal-title>
      </journal-title-group>
      <publisher>
        <publisher-name>Arab Administrative Development Organization, League of Arab States</publisher-name>
        <publisher-loc>Cairo, Egypt</publisher-loc>
      </publisher>
    </journal-meta>
    <article-meta>
      <article-id pub-id-type="doi">10.21608/aja.2023.208530.1435</article-id>
      <article-id pub-id-type="publisher-id">875</article-id>
      <self-uri content-type="html" xlink:href="https://ajajournal.org/aja/article/view/875"/>
      <article-categories>
        <subj-group subj-group-type="heading">
          <subject>Research Article</subject>
        </subj-group>
      </article-categories>
      <title-group>
        <article-title>Evaluation of E-service Quality and its Impact on Customer Satisfactions for Mobile Commerce Applications in Egypt</article-title>
      </title-group>
      <contrib-group>
        <contrib contrib-type="author">
          <name>
            <surname>Morsi</surname>
            <given-names>Shereen</given-names>
          </name>
          <aff xlink:href="#aff1"/>
          <email>shereen_morsi@aast.edu</email>
        </contrib>
      </contrib-group>
      <aff id="aff1">
        <institution>Business Information Systems Department</institution>
        <institution>College of Management &amp; Technology</institution>
        <institution>Arab Academy for Science, Technology &amp; Maritime Transport</institution>
        <addr-line>
          <country country="EG">Egypt</country>
        </addr-line>
      </aff>
      <pub-date pub-type="epub">
        <month>07</month>
        <year>2023</year>
      </pub-date>
      <pub-date pub-type="ppub">
        <month>02</month>
        <year>2026</year>
      </pub-date>
      <pub-date pub-type="collection">
        <month>02</month>
        <year>2026</year>
      </pub-date>
      <history>
        <date date-type="received">
          <month>05</month>
          <year>2023</year>
        </date>
        <date date-type="accepted">
          <month>06</month>
          <year>2023</year>
        </date>
        <date date-type="rev-recd">
          <day>26</day>
          <month>01</month>
          <year>2026</year>
        </date>
      </history>
      <volume>46</volume>
      <issue>1</issue>
      <fpage>311</fpage>
      <lpage>328</lpage>
      <permissions>
        <license license-type="open-access" xlink:href="https://creativecommons.org/licenses/by-nc/4.0/">
          <license-p>This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License (CC BY-NC 4.0).</license-p>
        </license>
      </permissions>
      <abstract>
        <p>Since the COVID-19 pandemic, mobile commerce (m-commerce) is increasing as a global phenomenon, and Egypt is no exception. The implementation of quality management practices in m-commerce applications is crucial for enhancing user satisfaction and increasing customer loyalty. However, little work introduced for evaluating the quality of e-service for m-commerce provided to consumers. In addition, the adoption of such practices is a new and emerging area that requires further research and investigation, where finding and determining the factors that should be considered for implementing quality management practices in m-commerce applications is necessary. Therefore, in this study, a proposed model to e-service quality (e-SERVQ) in m-commerce applications by using the modified SERVQUAL model has been introduced. The proposed model included six dimensions, and was empirically evaluated using online survey data collected from 421 online consumers responding about their perceptions of e-service quality provided through m-commerce applications, and the data tested by using structural equation modelling (PLS). The analytical results showed that the six dimensions namely, information quality, responsiveness, reliability, personalization, usability, and security were found to have significant influence on e-SERVQ, leading to significant influence on customer satisfaction. These findings contribute to the current insights of the existing literature on e-service quality in the m-commerce field. Besides, the results can be used by online businesses in Egypt to develop their strategies for improving e-SERVQ that meet customer expectations across multiple dimensions and enhance the satisfaction and loyalty of customers.</p>
      </abstract>
      <kwd-group kwd-group-type="author">
        <kwd>E-service Quality</kwd>
        <kwd>SERVQUAL Model</kwd>
        <kwd>Mobile Commerce Applications</kwd>
        <kwd>E-satisfaction</kwd>
        <kwd>E-loyalty</kwd>
      </kwd-group>
    </article-meta>
  </front>
  <body>
    <sec id="sec-intro">
      <title>Introduction</title>
      <p>M-commerce businesses worldwide, including those in Egypt, have been significantly affected by the COVID-19 pandemic. Social distancing and restrictions increased demand for online shopping and m-commerce applications. Consumers have shifted from physical stores to mobile applications, with smartphones becoming the primary internet device. M-commerce applications let retailers present their brand and create shopping experiences even when users are not in physical stores. The rapid adoption of mobile shopping has transformed markets, supplanting traditional online shopping. Smartphones now include many apps and mobile internet features, simplifying online shopping; wearable devices (e.g., smartwatches) also enable m-commerce.</p>
      <p>M-commerce refers to buying, selling, advertising, and conducting business while on the move. In Egypt, common m-commerce apps include Amazon, OLX, noon, Mazadat, Almowafir, B.TECH, Raneen, RayaShop, Sharwa, among others. Convenience in search, evaluation, purchase, and post-purchase makes mobile devices efficient shopping platforms. Users are migrating from electronic to mobile channels for more satisfying experiences; merchants integrate mobile shopping with physical stores to compete in multichannel retail.</p>
      <p>Rising customer use of m-commerce apps intensifies competition, challenging firms to attract and retain customers. Both offline and online businesses must deliver value and excellent experiences. Many retailers moved online during the pandemic, facing global e-competitors; strong value propositions and personalization are critical. M-commerce apps identify users and deliver solutions to improve satisfaction and loyalty, with features for accessibility and user-friendliness. Yet virtual channels pose risks: security, responsiveness, transparency, and information protection are key concerns. Retailers must clearly communicate policies and ensure data protection. Strategic, well-documented plans are needed to deliver high e-service quality.</p>
      <p>Few studies examined how e-SERVQ factors relate to overall e-SERVQ, satisfaction, and loyalty in m-commerce. Not all e-SERVQ scales suit m-commerce; inappropriate scales add complexity and mis-evaluation. A comprehensive framework for e-SERVQ in m-commerce is lacking, and research on e-SERVQ evaluation, especially in Egypt, is scarce. This study addresses these gaps.</p>
    </sec>
    <sec id="sec-lit">
      <title>Literature Review</title>
      <sec id="sec-service-quality">
        <title>Service Quality</title>
        <p>Service quality is the customer’s evaluation of the overall excellence of received service. Improving service quality yields competitive advantage and affects satisfaction and behavior. In IS adoption, service quality is critical to success and has been extended to e-services. The SERVQUAL model (Parasuraman et al., 1988) measures service quality via gaps between expectations and perceptions; originally ten dimensions, reduced to five, widely applied to identify improvement areas.</p>
      </sec>
      <sec id="sec-e-servq">
        <title>E-Service Quality (e-SERVQ)</title>
        <p>E-SERVQ adapts traditional service quality to online contexts, defined as how well a website enables effective browsing, buying, and receiving goods/services while enhancing consumer trust and commitment. It is key to IS success in e-service channels. Early work (Dabholkar et al., 1996) identified six dimensions; later models adapted SERVQUAL to e-services (e.g., Zeithaml et al., 2002; E-S-QUAL/E-RecS-QUAL). Critics note e-services differ: less physicality and human interaction, self-service, two-way digital interaction, and virtual marketplaces. Thus, measuring e-SERVQ differs from physical service quality, and generic SERVQUAL may be unsuitable without adaptation.</p>
      </sec>
      <sec id="sec-significance">
        <title>Significance of e-SERVQ to Customer Satisfaction and Loyalty</title>
        <p>Customer satisfaction is a post-use evaluation of fulfillment and enjoyment. Most studies find perceived e-SERVQ significantly affects satisfaction; some find no effect. Better e-SERVQ increases satisfaction and fosters loyalty. Loyalty is the desire to revisit and recommend; satisfaction–loyalty links are well-established. Frameworks show overall e-SERVQ drives satisfaction and repurchase intentions; satisfaction also drives repurchase. In m-commerce, loyalty is vital due to intense competition and acquisition cost. Loyalty comprises behavioral (repeat purchase) and attitudinal (emotional commitment, recommendation) aspects. Measures include repurchase intention and willingness to recommend.</p>
      </sec>
      <sec id="sec-research-questions">
        <title>Research Questions and Hypotheses</title>
        <p>Given differences between m-commerce and traditional e-commerce, e-SERVQ measurement requires context-specific factors. Prior work links e-SERVQ to satisfaction and loyalty in e-commerce; m-commerce needs further examination. This study aims to develop an e-SERVQ framework for m-commerce apps and test effects on satisfaction and loyalty.</p>
        <p>Research questions: Q1: What is the impact of m-commerce apps’ e-SERVQ dimensions on users’ satisfaction? Q2: What impact does users’ satisfaction have on customer loyalty?</p>
        <p>The proposed model (adapted from SERVQUAL) includes six dimensions: information quality, usability, reliability, responsiveness, security, personalization. Hypotheses:</p>
        <list list-type="order">
          <list-item><p>H1: Information quality positively impacts e-SERVQ.</p></list-item>
          <list-item><p>H2: Usability significantly impacts e-SERVQ.</p></list-item>
          <list-item><p>H3: Responsiveness significantly impacts e-SERVQ.</p></list-item>
          <list-item><p>H4: Reliability positively associates with e-SERVQ.</p></list-item>
          <list-item><p>H5: Personalization significantly impacts e-SERVQ.</p></list-item>
          <list-item><p>H6: Security positively impacts e-SERVQ.</p></list-item>
          <list-item><p>H7: e-SERVQ significantly impacts customer satisfaction.</p></list-item>
          <list-item><p>H8: Customer satisfaction positively impacts customer loyalty.</p></list-item>
        </list>
        <fig id="fig1">
          <label>Figure 1.</label>
          <caption>Structural model</caption>
          <graphic xlink:href="https://aradorganization-my.sharepoint.com/:i:/g/personal/rsamir_arado_org/IQDhP1A4vZuKT5QL6ymKAFL_Ab4XUrneAKxuPcxySNfJFGU?e=Fq25v5"/>
        </fig>
        <table-wrap id="tab1">
          <label>Table 1.</label>
          <caption>Attributes of e-SERVQ</caption>
          <table frame="hsides" rules="rows">
            <thead>
              <tr><th>Construct</th><th>Definition</th><th>References</th></tr>
            </thead>
            <tbody>
              <tr><td>Information Quality</td><td>Extent to which m-commerce apps provide excellent quality content</td><td>Blut et al. (2015); Holloway &amp; Beatty (2008)</td></tr>
              <tr><td>Usability</td><td>How well-organized and effortless navigation is in m-commerce apps</td><td>Thakur (2018)</td></tr>
              <tr><td>Responsiveness</td><td>Efficient management of issues and returns via m-commerce apps</td><td>Zemblyte (2015)</td></tr>
              <tr><td>Reliability</td><td>Degree to which m-commerce apps deliver services as pledged and operate accurately</td><td>Zhang et al. (2021)</td></tr>
              <tr><td>Personalization</td><td>Degree to which the app can be customized to individual preferences and histories</td><td>Zhang et al. (2021); Blut et al. (2015)</td></tr>
              <tr><td>Security</td><td>Customer confidence that the app safeguards personal information and prevents unauthorized access</td><td>Blut et al. (2015); Holloway &amp; Beatty (2008)</td></tr>
              <tr><td>Customer Satisfaction</td><td>User sentiment/perception toward a good or service after use</td><td>Fornell (1992)</td></tr>
              <tr><td>Customer Loyalty</td><td>Connection and dedication motivating repeat purchase and reduced switching</td><td>Oliver (1997); Ahmad et al. (2017)</td></tr>
            </tbody>
          </table>
        </table-wrap>
      </sec>
    </sec>
    <sec id="sec-method">
      <title>Methodology</title>
      <sec id="sec-data">
        <title>Data Collection</title>
        <p>Target population: Egyptian internet users (male/female, age &gt;17) with experience using mobile apps and having purchased products/services via mobile apps. An online questionnaire (Google Forms) was distributed via Facebook and WhatsApp from 15 Sep 2022 to 22 Oct 2022. Respondents answered based on their most recent m-commerce app experience. Total responses: 451; 30 without relevant experience removed; final sample: 421.</p>
        <p>Power analysis (G*Power; effect size 0.15, α=0.05, power 0.95, 8 variables) indicated minimum N=170; the obtained N=421 exceeds this.</p>
      </sec>
      <sec id="sec-measurement">
        <title>Measurement</title>
        <p>Eight constructs measured with 5-point Likert (1=strongly disagree, 5=strongly agree). Items adapted from prior validated scales:</p>
        <list list-type="bullet">
          <list-item><p>Information quality (3 items; Blut et al., 2015; Holloway &amp; Beatty, 2008)</p></list-item>
          <list-item><p>Usability (4 items; Thakur, 2018)</p></list-item>
          <list-item><p>Responsiveness (3 items; Zemblyte, 2015)</p></list-item>
          <list-item><p>Reliability (5 items; Zhang et al., 2021)</p></list-item>
          <list-item><p>Personalization (3 items; Zhang et al., 2021; Blut et al., 2015)</p></list-item>
          <list-item><p>Security (3 items; Blut et al., 2015; Holloway &amp; Beatty, 2008)</p></list-item>
          <list-item><p>Customer satisfaction (3 items; Fornell, 1997)</p></list-item>
          <list-item><p>Customer loyalty (3 items; Hsu &amp; Lin, 2010; Oliver, 1997)</p></list-item>
        </list>
      </sec>
      <sec id="sec-analysis">
        <title>Data Analysis</title>
        <p>SPSS used for data cleaning, descriptives, normality. PLS-SEM (SmartPLS) used to assess measurement and structural models, chosen for prediction focus, handling complex models, and modest sample size requirements.</p>
      </sec>
    </sec>
    <sec id="sec-results">
      <title>Results</title>
      <sec id="sec-sample">
        <title>Sample Characteristics</title>
        <p>Gender: 68.1% female, 31.8% male. Age: 18–25 (11.8%), 26–35 (36.3%), 36–45 (31.1%), &gt;45 (20.6%). Education: High school (22.5%), Bachelor’s (68.8%), Post-graduate (8.5%). Preferred m-commerce app: OLX Egypt (52.9%), Amazon (21.6%), Noon (8.7%), Alibaba (6.4%), Defacto (5.4%), Others (4.7%).</p>
        <table-wrap id="tab2">
          <label>Table 2.</label>
          <caption>Sample Demographics Analysis (N = 421)</caption>
          <table frame="hsides" rules="rows">
            <thead>
              <tr><th>Characteristics</th><th>Categories</th><th>Frequency</th><th>Percent (%)</th></tr>
            </thead>
            <tbody>
              <tr><td>Gender</td><td>Male</td><td>134</td><td>31.8</td></tr>
              <tr><td>Gender</td><td>Female</td><td>287</td><td>68.1</td></tr>
              <tr><td>Age</td><td>18–25</td><td>50</td><td>11.8</td></tr>
              <tr><td>Age</td><td>26–35</td><td>153</td><td>36.3</td></tr>
              <tr><td>Age</td><td>36–45</td><td>131</td><td>31.1</td></tr>
              <tr><td>Age</td><td>&gt;45</td><td>87</td><td>20.6</td></tr>
              <tr><td>Education</td><td>High school</td><td>95</td><td>22.5</td></tr>
              <tr><td>Education</td><td>Bachelor’s degree</td><td>290</td><td>68.8</td></tr>
              <tr><td>Education</td><td>Post-graduate</td><td>36</td><td>8.5</td></tr>
              <tr><td>Preferred mobile app</td><td>OLX Egypt</td><td>223</td><td>52.9</td></tr>
              <tr><td>Preferred mobile app</td><td>Amazon</td><td>91</td><td>21.6</td></tr>
              <tr><td>Preferred mobile app</td><td>Noon</td><td>37</td><td>8.7</td></tr>
              <tr><td>Preferred mobile app</td><td>Alibaba</td><td>27</td><td>6.4</td></tr>
              <tr><td>Preferred mobile app</td><td>Defacto</td><td>23</td><td>5.4</td></tr>
              <tr><td>Preferred mobile app</td><td>Others</td><td>20</td><td>4.7</td></tr>
            </tbody>
          </table>
        </table-wrap>
      </sec>
      <sec id="sec-measure">
        <title>Measurement Model</title>
        <p>Convergent validity: factor loadings 0.729–0.928 (&gt;0.70), CR 0.770–0.896 (&gt;0.70), AVE 0.517–0.751 (&gt;0.50). VIF 1.436–2.935 (&lt;10) indicates no multicollinearity. Discriminant validity: HTMT values &lt;0.90.</p>
        <table-wrap id="tab3">
          <label>Table 3.</label>
          <caption>Measurement Model Validity (N = 421)</caption>
          <table frame="hsides" rules="rows">
            <thead>
              <tr><th>Construct</th><th>Item</th><th>Factor loading</th><th>VIF</th><th>Cronbach alpha</th><th>CR</th><th>AVE</th></tr>
            </thead>
            <tbody>
              <tr><td>Information Quality</td><td>INFQ1</td><td>0.888</td><td>2.179</td><td rowspan="3">0.829</td><td rowspan="3">0.830</td><td rowspan="3">0.618</td></tr>
              <tr><td>Information Quality</td><td>INFQ2</td><td>0.858</td><td>1.951</td></tr>
              <tr><td>Information Quality</td><td>INFQ3</td><td>0.844</td><td>1.723</td></tr>
              <tr><td>Usability</td><td>USB1</td><td>0.863</td><td>2.206</td><td rowspan="4">0.856</td><td rowspan="4">0.860</td><td rowspan="4">0.600</td></tr>
              <tr><td>Usability</td><td>USB2</td><td>0.840</td><td>2.002</td></tr>
              <tr><td>Usability</td><td>USB3</td><td>0.851</td><td>2.195</td></tr>
              <tr><td>Usability</td><td>USB4</td><td>0.787</td><td>1.664</td></tr>
              <tr><td>Responsiveness</td><td>RES1</td><td>0.830</td><td>1.596</td><td rowspan="3">0.758</td><td rowspan="3">0.770</td><td rowspan="3">0.517</td></tr>
              <tr><td>Responsiveness</td><td>RES2</td><td>0.780</td><td>1.436</td></tr>
              <tr><td>Responsiveness</td><td>RES3</td><td>0.851</td><td>1.599</td></tr>
              <tr><td>Reliability</td><td>RLB1</td><td>0.844</td><td>2.336</td><td rowspan="5">0.893</td><td rowspan="5">0.896</td><td rowspan="5">0.628</td></tr>
              <tr><td>Reliability</td><td>RLB2</td><td>0.791</td><td>1.982</td></tr>
              <tr><td>Reliability</td><td>RLB3</td><td>0.869</td><td>2.730</td></tr>
              <tr><td>Reliability</td><td>RLB4</td><td>0.888</td><td>2.935</td></tr>
              <tr><td>Reliability</td><td>RLB5</td><td>0.797</td><td>1.918</td></tr>
              <tr><td>Personalization</td><td>PER1</td><td>0.861</td><td>1.925</td><td rowspan="3">0.866</td><td rowspan="3">0.867</td><td rowspan="3">0.684</td></tr>
              <tr><td>Personalization</td><td>PER2</td><td>0.901</td><td>2.553</td></tr>
              <tr><td>Personalization</td><td>PER3</td><td>0.902</td><td>2.562</td></tr>
              <tr><td>Security</td><td>SEC1</td><td>0.909</td><td>2.289</td><td rowspan="3">0.857</td><td rowspan="3">0.861</td><td rowspan="3">0.751</td></tr>
              <tr><td>Security</td><td>SEC2</td><td>0.928</td><td>2.176</td></tr>
              <tr><td>Security</td><td>SEC3</td><td>0.729</td><td>1.942</td></tr>
              <tr><td>Customer Satisfaction</td><td>CSF1</td><td>0.753</td><td>1.984</td><td rowspan="3">0.856</td><td rowspan="3">0.861</td><td rowspan="3">0.668</td></tr>
              <tr><td>Customer Satisfaction</td><td>CSF2</td><td>0.836</td><td>2.167</td></tr>
              <tr><td>Customer Satisfaction</td><td>CSF3</td><td>0.859</td><td>2.345</td></tr>
              <tr><td>Customer Loyalty</td><td>LOY1</td><td>0.839</td><td>2.242</td><td rowspan="3">0.860</td><td rowspan="3">0.863</td><td rowspan="3">0.673</td></tr>
              <tr><td>Customer Loyalty</td><td>LOY2</td><td>0.850</td><td>2.146</td></tr>
              <tr><td>Customer Loyalty</td><td>LOY3</td><td>0.770</td><td>2.154</td></tr>
            </tbody>
          </table>
        </table-wrap>
        <table-wrap id="tab4">
          <label>Table 4.</label>
          <caption>Fornell–Larcker Criterion and Heterotrait–Monotrait (HTMT)</caption>
          <table frame="hsides" rules="rows">
            <thead>
              <tr><th></th><th>Cust_Loy</th><th>Cust_Sat</th><th>E_Serv_Q</th><th>Info_Qual</th><th>PER</th><th>REL</th><th>RES</th><th>SEC</th><th>USB</th></tr>
            </thead>
            <tbody>
              <tr><td>Cust_Loy</td><td>—</td><td>0.891</td><td>0.766</td><td>0.658</td><td>0.650</td><td>0.684</td><td>0.775</td><td>0.675</td><td>0.575</td></tr>
              <tr><td>Cust_Sat</td><td>0.891</td><td>—</td><td>0.834</td><td>0.723</td><td>0.711</td><td>0.781</td><td>0.801</td><td>0.730</td><td>0.605</td></tr>
              <tr><td>E_Serv_Q</td><td>0.766</td><td>0.834</td><td>—</td><td>0.843</td><td>0.887</td><td>0.841</td><td>0.803</td><td>0.794</td><td>0.895</td></tr>
              <tr><td>Info_Qual</td><td>0.658</td><td>0.723</td><td>0.843</td><td>—</td><td>0.650</td><td>0.713</td><td>0.827</td><td>0.583</td><td>0.887</td></tr>
              <tr><td>PER</td><td>0.650</td><td>0.711</td><td>0.887</td><td>0.650</td><td>—</td><td>0.823</td><td>0.781</td><td>0.617</td><td>0.590</td></tr>
              <tr><td>REL</td><td>0.684</td><td>0.781</td><td>0.841</td><td>0.713</td><td>0.823</td><td>—</td><td>0.854</td><td>0.588</td><td>0.642</td></tr>
              <tr><td>RES</td><td>0.775</td><td>0.801</td><td>0.803</td><td>0.827</td><td>0.781</td><td>0.854</td><td>—</td><td>0.705</td><td>0.879</td></tr>
              <tr><td>SEC</td><td>0.675</td><td>0.730</td><td>0.794</td><td>0.583</td><td>0.617</td><td>0.588</td><td>0.705</td><td>—</td><td>0.526</td></tr>
              <tr><td>USB</td><td>0.575</td><td>0.605</td><td>0.895</td><td>0.887</td><td>0.590</td><td>0.642</td><td>0.879</td><td>0.526</td><td>—</td></tr>
            </tbody>
          </table>
          <p>Notes: Info_Qual = Information Quality; PER = Personalization; REL = Reliability; RES = Responsiveness; SEC = Security; USB = Usability; Cust_Sat = Customer Satisfaction; Cust_Loy = Customer Loyalty.</p>
        </table-wrap>
      </sec>
      <sec id="sec-struct">
        <title>Structural Model</title>
        <p>Bootstrapping (5,000 subsamples) shows all hypothesized paths significant (p&lt;0.05). e-SERVQ predicts customer satisfaction (β=0.750, p&lt;0.001); satisfaction predicts loyalty (β=0.790, p&lt;0.001). R²: Satisfaction 0.562; Loyalty 0.624.</p>
        <fig id="fig2">
          <label>Figure 2.</label>
          <caption>Total model (PLS results)</caption>
          <graphic xlink:href="https://aradorganization-my.sharepoint.com/:i:/g/personal/rsamir_arado_org/IQCs2HocBQ6gS4tuhwACGBByAWwxsKFxjm5qYoALTBrQei0?e=9fVfor"/>
        </fig>
        <table-wrap id="tab5">
          <label>Table 5.</label>
          <caption>Hypothesis testing</caption>
          <table frame="hsides" rules="rows">
            <thead>
              <tr><th>Hypothesis</th><th>Relationship</th><th>Beta</th><th>STDEV</th><th>t</th><th>p-value</th><th>Supported</th></tr>
            </thead>
            <tbody>
              <tr><td>H1</td><td>Info_Qual → e-SERVQ</td><td>0.181</td><td>0.006</td><td>29.529</td><td>0.000</td><td>Yes</td></tr>
              <tr><td>H2</td><td>USB → e-SERVQ</td><td>0.210</td><td>0.008</td><td>26.323</td><td>0.000</td><td>Yes</td></tr>
              <tr><td>H3</td><td>RES → e-SERVQ</td><td>0.173</td><td>0.006</td><td>28.892</td><td>0.000</td><td>Yes</td></tr>
              <tr><td>H4</td><td>REL → e-SERVQ</td><td>0.306</td><td>0.010</td><td>30.339</td><td>0.000</td><td>Yes</td></tr>
              <tr><td>H5</td><td>PER → e-SERVQ</td><td>0.189</td><td>0.008</td><td>23.632</td><td>0.000</td><td>Yes</td></tr>
              <tr><td>H6</td><td>Security → e-SERVQ</td><td>0.151</td><td>0.008</td><td>19.677</td><td>0.000</td><td>Yes</td></tr>
              <tr><td>H7</td><td>e-SERVQ → Cust_Sat</td><td>0.750</td><td>0.029</td><td>26.157</td><td>0.000</td><td>Yes</td></tr>
              <tr><td>H8</td><td>Cust_Sat → Cust_Loy</td><td>0.790</td><td>0.026</td><td>30.488</td><td>0.000</td><td>Yes</td></tr>
            </tbody>
          </table>
          <table frame="hsides" rules="rows">
            <thead>
              <tr><th>Dependent variable</th><th>R-square</th><th>R-square adjusted</th></tr>
            </thead>
            <tbody>
              <tr><td>Customer_Loyalty</td><td>0.624</td><td>0.623</td></tr>
              <tr><td>Customer_Satisfaction</td><td>0.562</td><td>0.561</td></tr>
            </tbody>
          </table>
        </table-wrap>
      </sec>
    </sec>
    <sec id="sec-discussion">
      <title>Discussion</title>
      <p>Reliability is the strongest predictor of e-SERVQ and satisfaction, aligning with prior online settings research. Usability, personalization, information quality, responsiveness, and security also positively affect satisfaction. Information quality significantly shapes e-SERVQ, supporting the need for rich product/service descriptions. Satisfaction positively affects loyalty; satisfied users intend to repurchase and recommend, consistent with prior studies.</p>
    </sec>
    <sec id="sec-implications">
      <title>Implications</title>
      <p><bold>Theoretical</bold>: Extends m-commerce and service research by evidencing predictive power of e-SERVQ dimensions (reliability, usability, responsiveness, personalization, security, information quality) on satisfaction and loyalty, and by showing satisfaction mediates effects on loyalty.</p>
      <p><bold>Practical</bold>: M-commerce providers should enhance information quality, responsiveness, and personalization; ensure reliability, usability, and security; and design value-added services (e.g., sign-up discounts, birthday coupons, free shipping, exclusive pricing) to boost satisfaction and loyalty.</p>
    </sec>
    <sec id="sec-conclusion">
      <title>Conclusion</title>
      <p>This study develops and tests an e-SERVQ framework for m-commerce apps in Egypt. All six e-SERVQ dimensions significantly influence e-SERVQ, which drives satisfaction, which in turn drives loyalty. Findings guide app providers and online retailers to prioritize reliability, usability, security, responsiveness, personalization, and information quality, and to craft value-added offerings to sustain loyalty and long-term success.</p>
    </sec>
  </body>
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