<?xml version="1.0" encoding="UTF-8"?><!DOCTYPE article PUBLIC "-//NLM//DTD Journal Publishing DTD v2.0 20040830//EN" "journalpublishing.dtd"><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" dtd-version="2.0" xml:lang="en" article-type="research-article"><front><journal-meta><journal-id journal-id-type="nlm-ta">JMIR Hum Factors</journal-id><journal-id journal-id-type="publisher-id">humanfactors</journal-id><journal-id journal-id-type="index">6</journal-id><journal-title>JMIR Human Factors</journal-title><abbrev-journal-title>JMIR Hum Factors</abbrev-journal-title><issn pub-type="epub">2292-9495</issn><publisher><publisher-name>JMIR Publications</publisher-name><publisher-loc>Toronto, Canada</publisher-loc></publisher></journal-meta><article-meta><article-id pub-id-type="publisher-id">v11i1e46566</article-id><article-id pub-id-type="doi">10.2196/46566</article-id><article-categories><subj-group subj-group-type="heading"><subject>Original Paper</subject></subj-group></article-categories><title-group><article-title>Users&#x2019; Perceived Service Quality of National Telemedicine Services During the COVID-19 Pandemic in Bangladesh: Cross-Sectional Study</article-title></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name name-style="western"><surname>Khatun</surname><given-names>Fatema</given-names></name><degrees>MBBS, MSc, PhD</degrees><xref ref-type="aff" rid="aff1">1</xref></contrib><contrib contrib-type="author"><name name-style="western"><surname>Das</surname><given-names>Novel Chandra</given-names></name><degrees>MSc</degrees><xref ref-type="aff" rid="aff1">1</xref></contrib><contrib contrib-type="author"><name name-style="western"><surname>Hoque</surname><given-names>Md Rakibul</given-names></name><degrees>BBA, MBA, MSc, PhD</degrees><xref ref-type="aff" rid="aff2">2</xref></contrib><contrib contrib-type="author"><name name-style="western"><surname>Saqeeb</surname><given-names>Kazi Nazmus</given-names></name><degrees>MBBS</degrees><xref ref-type="aff" rid="aff3">3</xref></contrib><contrib contrib-type="author"><name name-style="western"><surname>Rahman</surname><given-names>Monjur</given-names></name><degrees>MSc</degrees><xref ref-type="aff" rid="aff4">4</xref></contrib><contrib contrib-type="author"><name name-style="western"><surname>Park</surname><given-names>Kyung Ryul</given-names></name><degrees>BA, BSc, MA, PhD</degrees><xref ref-type="aff" rid="aff5">5</xref></contrib><contrib contrib-type="author"><name name-style="western"><surname>Rasheed</surname><given-names>Sabrina</given-names></name><degrees>BSc, PGDip, PhD</degrees><xref ref-type="aff" rid="aff1">1</xref></contrib><contrib contrib-type="author"><name name-style="western"><surname>Reidpath</surname><given-names>Daniel D</given-names></name><degrees>BA, DipEd, PhD</degrees><xref ref-type="aff" rid="aff6">6</xref></contrib></contrib-group><aff id="aff1"><institution>Health Systems and Population Studies Division, International Centre for Diarrheal Disease Research, Bangladesh (icddr,b)</institution><addr-line>68, Shaheed Tajuddin Ahmed Sharani, Mohakhali</addr-line><addr-line>Dhaka</addr-line><country>Bangladesh</country></aff><aff id="aff2"><institution>Department of Management Information Systems, University of Dhaka</institution><addr-line>Dhaka</addr-line><country>Bangladesh</country></aff><aff id="aff3"><institution>Nutrition Research Division, International Centre for Diarrheal Disease Research, Bangladesh (icddr,b)</institution><addr-line>Dhaka</addr-line><country>Bangladesh</country><country>Bangladesh</country></aff><aff id="aff4"><institution>Maternal and Child Health Division, International Centre for Diarrheal Disease Research, Bangladesh (icddr,b)</institution><addr-line>Dhaka</addr-line><country>Bangladesh</country><country>Bangladesh</country></aff><aff id="aff5"><institution>Graduate School of Science and Technology Policy, Korea Advanced Institute of Science and Technology</institution><addr-line>Daejeon</addr-line><country>Republic of Korea</country></aff><aff id="aff6"><institution>The Institute for Global Health and Development, Queen Margaret University</institution><addr-line>Edinburgh</addr-line><country>United Kingdom</country></aff><contrib-group><contrib contrib-type="editor"><name name-style="western"><surname>Jacob</surname><given-names>Christine</given-names></name></contrib></contrib-group><contrib-group><contrib contrib-type="reviewer"><name name-style="western"><surname>Liliana</surname><given-names>Hawrysz</given-names></name></contrib><contrib contrib-type="reviewer"><name name-style="western"><surname>Walczak</surname><given-names>Renata</given-names></name></contrib></contrib-group><author-notes><corresp>Correspondence to Fatema Khatun, MBBS, MSc, PhD, Health Systems and Population Studies Division, International Centre for Diarrheal Disease Research, Bangladesh (icddr,b), 68, Shaheed Tajuddin Ahmed Sharani, Mohakhali, Dhaka, 1212, Bangladesh, 880 1715287117; <email>kfatema@icddrb.org</email></corresp></author-notes><pub-date pub-type="collection"><year>2024</year></pub-date><pub-date pub-type="epub"><day>23</day><month>12</month><year>2024</year></pub-date><volume>11</volume><elocation-id>e46566</elocation-id><history><date date-type="received"><day>25</day><month>02</month><year>2023</year></date><date date-type="rev-recd"><day>22</day><month>08</month><year>2024</year></date><date date-type="accepted"><day>26</day><month>08</month><year>2024</year></date></history><copyright-statement>&#x00A9; Fatema Khatun, Novel Chandra Das, Md Rakibul Hoque, Kazi Nazmus Saqeeb, Monjur Rahman, Kyung Ryul Park, Sabrina Rasheed, Daniel D Reidpath. Originally published in JMIR Human Factors (<ext-link ext-link-type="uri" xlink:href="https://humanfactors.jmir.org">https://humanfactors.jmir.org</ext-link>), 23.12.2024. </copyright-statement><copyright-year>2024</copyright-year><license license-type="open-access" xlink:href="https://creativecommons.org/licenses/by/4.0/"><p>This is an open-access article distributed under the terms of the Creative Commons Attribution License (<ext-link ext-link-type="uri" xlink:href="https://creativecommons.org/licenses/by/4.0/">https://creativecommons.org/licenses/by/4.0/</ext-link>), which permits unrestricted use, distribution, and reproduction in any medium, provided the original work, first published in JMIR Human Factors, is properly cited. The complete bibliographic information, a link to the original publication on <ext-link ext-link-type="uri" xlink:href="https://humanfactors.jmir.org">https://humanfactors.jmir.org</ext-link>, as well as this copyright and license information must be included.</p></license><self-uri xlink:type="simple" xlink:href="https://humanfactors.jmir.org/2024/1/e46566"/><abstract><sec><title>Background</title><p>COVID-19 created an opportunity for using teleconsultation as an alternative way of accessing expert medical advice. Bangladesh has seen a 20-fold increase in the use of teleconsultation during the pandemic.</p></sec><sec><title>Objective</title><p>The aim of our study was to assess the influence of service quality and user satisfaction on the intention to use teleconsultation in the future among users of national teleconsultation services during the pandemic.</p></sec><sec sec-type="methods"><title>Methods</title><p>A cross-sectional survey was conducted in 2020 among users of the national teleconsultation service&#x2014;Shastho Batayon for acute respiratory infection. A validated mobile health service quality model based on structural equation modeling and confirmatory factor analysis was used to analyze the data with SmartPLS (version 3.0).</p></sec><sec sec-type="results"><title>Results</title><p>Among the 2097 study participants, 1646 (78.5%) were male, 1416 (67.5%) were aged 18&#x2010;39 years, 1588 (75.7%) were urban residents, 1348 (64.2%) had more than 10 years of schooling, and 1657 (79%) were from middle-income households. From a consumer perspective, the quality of the service platform (&#x03B2;=.946), service interaction (&#x03B2;=.974), and outcome (&#x03B2;=.955) contributed to service quality. Service quality was positively associated with user satisfaction (&#x03B2;=.327; <italic>P</italic>&#x003C;.001) and intention to use teleconsultation services (&#x03B2;=.102; <italic>P</italic>&#x003C;.001). User satisfaction was positively associated with the intention to use teleconsultation services (&#x03B2;=.311; <italic>P</italic>&#x003C;.001).</p></sec><sec sec-type="conclusions"><title>Conclusions</title><p>The increase in the use of teleconsultation during the pandemic indicated that such services were potentially used for emergencies. However, the future use of teleconsultation will be dependent on the quality of service and user satisfaction. Our findings are relevant for low-income contexts where teleconsultation services are used to address gaps in service delivery.</p></sec></abstract><kwd-group><kwd>telemedicine</kwd><kwd>COVID-19</kwd><kwd>LMIC</kwd><kwd>low- and middle-income countries</kwd><kwd>Bangladesh</kwd><kwd>service quality</kwd><kwd>user satisfaction</kwd><kwd>structural equation modeling</kwd><kwd>digital health</kwd></kwd-group></article-meta></front><body><sec id="s1" sec-type="intro"><title>Introduction</title><sec id="s1-1"><title>Background</title><p>Globally, 58% of countries have adopted telemedicine to address the disruption of health care services during the COVID-19 pandemic [<xref ref-type="bibr" rid="ref1">1</xref>]. Telemedicine facilitates the delivery of remote health care services at low cost [<xref ref-type="bibr" rid="ref2">2</xref>] and has shown to enable quick and equitable access to health care for patients in hard-to-reach areas [<xref ref-type="bibr" rid="ref3">3</xref>]. Telemedicine has been effectively used to provide health services during previous SARS-CoV-2 and Middle East respiratory syndrome outbreaks [<xref ref-type="bibr" rid="ref4">4</xref>], and during the COVID-19 pandemic, the use of telemedicine has increased globally to minimize the risks of viral transmission [<xref ref-type="bibr" rid="ref5">5</xref>,<xref ref-type="bibr" rid="ref6">6</xref>]. Researchers around the world reported widespread use of telemedicine in many low- and middle-income countries (LMICs) where the provision of protective gear, vaccines, and hospital facilities was inadequate during the pandemic [<xref ref-type="bibr" rid="ref7">7</xref>-<xref ref-type="bibr" rid="ref13">13</xref>].</p><p>In Bangladesh, there was severe disruption of primary health care provision during the early stage of the pandemic, as health systems responded to lockdown measures, deaths among health care providers, and the need to mitigate and limit the spread of COVID-19 [<xref ref-type="bibr" rid="ref14">14</xref>]. One of the response measures by the government of Bangladesh was to make the existing national teleconsultation platform &#x201C;Shastho Batayon 16263&#x201D; toll-free [<xref ref-type="bibr" rid="ref15">15</xref>]. As travel restriction was in place and access to face-to-face consultation was limited, calls to the national teleconsultation platform increased 20-fold during the pandemic [<xref ref-type="bibr" rid="ref16">16</xref>]. However, there were concerns about the negative impact of the sudden increase in demand for teleconsultation services on the existing infrastructure and human resources of Shastho Batayon (SB) [<xref ref-type="bibr" rid="ref17">17</xref>] and whether any compromise in terms of service quality of the platform would negatively impact patient satisfaction and intention to avail teleconsultation services in the future [<xref ref-type="bibr" rid="ref18">18</xref>].</p><p>Although the promises are offered by telemedicine in low-resource settings, ensuring the quality of telemedicine services is a major challenge [<xref ref-type="bibr" rid="ref19">19</xref>]. Despite the challenges of quality, however, there are benefits of using telemedicine during a pandemic such as COVID-19 [<xref ref-type="bibr" rid="ref20">20</xref>], and it is likely that many patients and providers will continue to use this service in the postpandemic period [<xref ref-type="bibr" rid="ref21">21</xref>]. Hence, it is important to understand how the service quality of telemedicine affects patient satisfaction and intention to use the service in the future [<xref ref-type="bibr" rid="ref22">22</xref>].</p><p>The World Health Organization&#x2019;s guiding principles for implementing telemedicine services during COVID-19 listed &#x201C;user satisfaction&#x201D; as one of the key components for evaluation [<xref ref-type="bibr" rid="ref23">23</xref>]. In health care, service quality is a major indicator of patient satisfaction [<xref ref-type="bibr" rid="ref24">24</xref>-<xref ref-type="bibr" rid="ref27">27</xref>]. Satisfaction is associated with increased user retention and intention to use the service in the future [<xref ref-type="bibr" rid="ref24">24</xref>,<xref ref-type="bibr" rid="ref25">25</xref>,<xref ref-type="bibr" rid="ref28">28</xref>].</p><p>There are a number of theories and models that address quality dimensions of information and communication technology&#x2013;based services. A systematic review of the service quality models identified 30 models, which described that the most common dimensions were tangibles, reliability, responsiveness, empathy, and assurance [<xref ref-type="bibr" rid="ref29">29</xref>]. In a developing country context, the mobile health (mHealth) service quality model tested by Akter et al [<xref ref-type="bibr" rid="ref30">30</xref>] measures the association between service quality and satisfaction on the intention to use the service in the future. This conceptual model describes platform quality, interaction quality, and outcome quality as primary dimensions of service quality for mHealth and proposes a direct association between service quality and patient satisfaction and an indirect association between service quality and intention to continue to use the service through patient satisfaction [<xref ref-type="bibr" rid="ref30">30</xref>]. The conceptual model has been previously validated for Bangladesh. Using the model for mHealth service quality, we aimed to assess the influence of service quality and satisfaction on the intention to use SB services in the future among the users who availed the service during the pandemic. The insights from this study will significantly contribute to the sustainability of national teleconsultation services during future health emergency situations and beyond.</p></sec><sec id="s1-2"><title>Theoretical Framework</title><p>For this study, we used the mHealth service quality model [<xref ref-type="bibr" rid="ref30">30</xref>] to design the study. A number of empirical studies have used the mHealth service quality model to describe the association between service quality and users&#x2019; intention to continue using eHealth services [<xref ref-type="bibr" rid="ref24">24</xref>,<xref ref-type="bibr" rid="ref30">30</xref>-<xref ref-type="bibr" rid="ref32">32</xref>], but the model by Akter et al [<xref ref-type="bibr" rid="ref30">30</xref>] is chosen, as it was used to teleconsultation in the context of LMICs. The conceptual framework and the hypotheses are detailed in the following subsections.</p></sec><sec id="s1-3"><title>Conceptual Model: A Hierarchical, Multidimensional Service Quality Model</title><p>The conceptual model (<xref ref-type="fig" rid="figure1">Figure 1</xref>) of service quality used in this study postulates a direct relationship between service quality and satisfaction and that service quality indirectly works on intention to use, mediated by satisfaction [<xref ref-type="bibr" rid="ref33">33</xref>-<xref ref-type="bibr" rid="ref36">36</xref>]. In the service quality model, service quality comprises 3 primary dimensions (platform quality, interaction quality, and outcome quality) and 9 subdimensions. The dimension platform quality has systems reliability, systems availability, systems efficiency, and systems privacy as subdimensions; the interaction quality dimension has responsiveness, assurance, and empathy as subdimensions; and the outcome quality dimension has functional benefit and emotional benefit as subdimensions.</p><fig position="float" id="figure1"><label>Figure 1.</label><caption><p>Conceptual framework of service quality conceptual model for national teleconsultation services users during the COVID-19 pandemic in Bangladesh, October-December 2020 (N=2097). AS: assurance; EB: emotional benefit; EM: empathy; FB: functional benefit; IC: intension; IQ: interaction quality; OQ: outcome quality; PQ: platform quality; RE: responsiveness; SA: systems availability; SAT: satisfaction; SE: systems efficiency; SP: systems privacy; SQ: service quality; SR: systems reliability.</p></caption><graphic alt-version="no" mimetype="image" position="float" xlink:type="simple" xlink:href="humanfactors_v11i1e46566_fig01.png"/></fig></sec><sec id="s1-4"><title>Definition of the Constructs</title><p>The definitions of constructs such as platform quality, interaction quality, outcome quality, user satisfaction, and intention to continue are detailed in <xref ref-type="supplementary-material" rid="app1">Multimedia Appendix 1</xref>.</p></sec><sec id="s1-5"><title>Hypotheses</title><p>In this study, we tested 3 hypotheses:</p><list list-type="bullet"><list-item><p>Hypothesis 1: SB service quality has a positive impact on user satisfaction.</p></list-item><list-item><p>Hypothesis 2: User satisfaction with SB is positively associated with the intention to use the services in the future.</p></list-item><list-item><p>Hypothesis 3: SB service quality is positively associated with the intention to use the service in the future.</p></list-item></list></sec></sec><sec id="s2" sec-type="methods"><title>Methods</title><sec id="s2-1"><title>Study Settings and Participants: SB</title><p>The Ministry of Family and Welfare of Bangladesh, in an effort to facilitate access to health services, runs a national health helpline with SB through its Management Information System division. The service is available 24/7, and callers can consult doctors and get limited prescriptions and referrals. During the COVID-19 pandemic, the SB number was made toll-free.</p><p>We conducted this study among the users of SB from October 19, 2020, to December 31, 2020. Our study participants were those who called SB with their flu-like syndromes and were provided a provisional diagnosis of suspected or confirmed COVID-19. We approached the participants from the random list collected from the Management Information System database who sought teleconsultation services from any geographical area of Bangladesh and were interested to join the study, and those participants were enrolled as study participants. We were provided with a total list of 7400 people, with batches of 100 participants sent out each day from SB, and finally, 2097 participants were enrolled in the study. All the interviews were conducted over the phone.</p></sec><sec id="s2-2"><title>Sample Size</title><p>To use structural equation modeling (SEM), the number of constructs (latent variables), number of observed variables, and effect size of the loading coefficient with a 95% confidence level and 80% power were considered with a view to calculating the required sample size through Enrico multivariate software [<xref ref-type="bibr" rid="ref37">37</xref>]. To identify the effect size of the loading coefficient of 0.15, 35 observed variables, and 15 latent variables with 95% confidence level and 80% power, the minimum required sample size was 378. Thus, the study fulfills the requirement of the necessary sample size to apply SEM by collecting information from 2097 participants.</p></sec><sec id="s2-3"><title>Data Collection</title><p>Within 2 weeks of seeking care from SB by the selected caller, we administered this satisfaction survey about their call to SB. We collected a list of 100 callers (randomly selected) every day based on our selection criteria (suspected or confirmed COVID-19 cases) from October 19, 2020, to December 31, 2020.</p><p>The list was then divided and distributed among the data collectors for conducting a telephone survey. Data were collected using a questionnaire previously validated in Bangladesh [<xref ref-type="bibr" rid="ref32">32</xref>]. All the data were collected through a web-based Android-based data collection app or tool by trained data collectors. In total, 5% of the interviews were randomly rechecked by the supervisor to ensure the data quality and validity of the interviews.</p></sec><sec id="s2-4"><title>Ethical Considerations</title><p>The study was approved by the institutional review board of the International Centre for Diarrheal Disease Research, Bangladesh (protocol: PR#19091). Informed verbal consent was taken from all the study participants over the phone. In total, 31 study participants&#x2019; age was below 18 years so we took informed assent from their guardians over the phone to participate in the study. The privacy, anonymity, and confidentiality of the research data and information were strictly maintained.</p></sec><sec id="s2-5"><title>Variables</title><p>The questionnaire included questions on user demographics (age, sex, socioeconomic status, and place of residence). To understand users&#x2019; perception of service quality, the questionnaire included questions related to systems reliability, availability, efficiency, privacy, responsiveness, assurance, empathy, functional, emotional benefit, and satisfaction along with the intention to continue using the service in the future. A 5-point Likert scale with a range from 1=strongly disagree to 5=strongly agree was used to measure the responses. The statements used in the questionnaire were previously validated in Bangladesh [<xref ref-type="bibr" rid="ref32">32</xref>]. The questionnaire is available in <xref ref-type="supplementary-material" rid="app2">Multimedia Appendix 2</xref>.</p></sec><sec id="s2-6"><title>Normality Check</title><p>The assessment of data normality was conducted through the estimation of skewness and kurtosis for each measurement item. The skewness values ranged from &#x2212;0.319 to 0.069, while kurtosis values ranged from &#x2212;0.543 to 0.671, where values within the range of &#x00B1;2 for skewness and &#x00B1;5 for kurtosis are deemed acceptable indicators of normal distribution [<xref ref-type="bibr" rid="ref38">38</xref>], our dataset exhibited no substantive issues with skewness or kurtosis.</p></sec><sec id="s2-7"><title>Data Analysis</title><p>From the list of 7400 individual users of SB, we were able to reach only 2163 due to incorrect numbers, switched off phones, unavailable networks, use of neighbors&#x2019; or relatives&#x2019; phone numbers for SB services, and because callers did not receive our calls. The initial response rate was 29.2%. Of those we were able to reach, 3.9% (n=66) of respondents refused to participate in the study so our final sample was 2097.</p><p>SmartPLS (version 3.0) was used to analyze the data. Component-based SEM or partial least squares (PLS) path modeling was used to understand the direct effect between service quality and satisfaction and satisfaction and intention and the indirect effect between service quality and intention. Confirmatory factor analysis (CFA) was used to test the hypotheses. First-order CFA was used to test the validity and reliability of measurement items of the constructs. Second- and third-order CFA were used in the measurement model because there are latent variables that were constructed as dimensions of another variable. To assess the second-order reflective model of service quality, this study used PLS Graph (version 3.0; SmartPLS GmbH) [<xref ref-type="bibr" rid="ref39">39</xref>] and PLS path modeling with a path weighing scheme for the inside approximation [<xref ref-type="bibr" rid="ref40">40</xref>-<xref ref-type="bibr" rid="ref42">42</xref>].</p></sec></sec><sec id="s3" sec-type="results"><title>Results</title><sec id="s3-1"><title>Sociodemographic Characteristics of Study Participants</title><p>Among the 2097 study participants, the majority were from urban areas (n=1588, 75.7%), had more than 10 years of schooling (n=1348, 64.3%), and were from middle-income households (n=1657, 79%; <xref ref-type="table" rid="table1">Table 1</xref>). Most of the service recipients were male (n=1646, 78.5%), 67.5% (n=1416) were between 18 and 39 years of age, 63.2% (n=1325) were married, and 37.3% (n=782) had more than 4 members in their household (<xref ref-type="table" rid="table1">Table 1</xref>).</p><table-wrap id="t1" position="float"><label>Table 1.</label><caption><p>Sociodemographic characteristics of the study participants of Shastho Batayon teleconsultation services users during the COVID-19 pandemic in Bangladesh, October-December 2020 (N=2097).</p></caption><table id="table1" frame="hsides" rules="groups"><thead><tr><td align="left" valign="bottom" colspan="2">Characteristics</td><td align="left" valign="bottom">Values, n (%)</td></tr></thead><tbody><tr><td align="left" valign="top" colspan="3"><bold>Age (years)</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x003C;18</td><td align="left" valign="top">31 (1.5)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">18&#x2010;39</td><td align="left" valign="top">1416 (67.5)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">40&#x2010;59</td><td align="left" valign="top">579 (27.6)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x2265;60</td><td align="left" valign="top">71 (3.4)</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Sex</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Male</td><td align="left" valign="top">1646 (78.5)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Female</td><td align="left" valign="top">451 (21.5)</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Residence</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Village</td><td align="left" valign="top">290 (13.8)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Semiurban</td><td align="left" valign="top">219 (10.4)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Urban</td><td align="left" valign="top">1588 (75.7)</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Education (years)</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x2264;5</td><td align="left" valign="top">331 (15.8)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">6&#x2010;10</td><td align="left" valign="top">418 (19.9)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x003E;10</td><td align="left" valign="top">1348 (64.3)</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Marital status</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Unmarried</td><td align="left" valign="top">732 (34.5)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Married</td><td align="left" valign="top">1325 (63.2)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Widowed</td><td align="left" valign="top">37 (1.7)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Divorced</td><td align="left" valign="top">3 (0.1)</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Occupation</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Business</td><td align="left" valign="top">263 (12.5)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Unskilled labor</td><td align="left" valign="top">18 (0.86)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Skilled labor</td><td align="left" valign="top">30 (1.4)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Service holder</td><td align="left" valign="top">1035 (49.3)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Agriculture worker</td><td align="left" valign="top">33 (1.6)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Student</td><td align="left" valign="top">252 (12)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Housewife</td><td align="left" valign="top">255 (12.2)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Unemployed</td><td align="left" valign="top">118 (5.6)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">Others</td><td align="left" valign="top">93 (4.4)</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Family member</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x2264;4</td><td align="left" valign="top">1315 (62.7)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x003E;4</td><td align="left" valign="top">782 (37.3)</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Monthly household expenditure (US $)</bold></td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x003E;500</td><td align="left" valign="top">182 (8.7)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">50&#x2010;500</td><td align="left" valign="top">1657 (79)</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">&#x003C;50</td><td align="left" valign="top">258 (12.3)</td></tr></tbody></table></table-wrap></sec><sec id="s3-2"><title>Assessment of the Measurement Model</title><p>The study assesses the psychometric properties of the first-order measurement model by examining reliability, convergent validity (<xref ref-type="table" rid="table2">Table 2</xref>), and discriminant validity (<xref ref-type="table" rid="table3">Table 3</xref>). Cronbach &#x03B1;, composite reliabilities, and average variance extracted from the data exceeded the cutoff values of 0.5, 0.7, and 0.5, respectively (<xref ref-type="table" rid="table2">Table 2</xref>), which indicate adequate scale reliability and validity [<xref ref-type="bibr" rid="ref40">40</xref>,<xref ref-type="bibr" rid="ref43">43</xref>]. The model was considered satisfactory in terms of reliability, convergent validity, and discriminant validity. The result showed that the composite reliabilities and average variance extracted from the second- and third-order scales were greater than 0.8 and 0.5, respectively, which indicated that the higher-order measures were reliable (<xref ref-type="table" rid="table2">Table 2</xref>).</p><table-wrap id="t2" position="float"><label>Table 2.</label><caption><p>Confirmatory factor analysis and psychometric properties of the hierarchical service quality scale<sup><xref ref-type="table-fn" rid="table2fn1">a</xref></sup>.</p></caption><table id="table2" frame="hsides" rules="groups"><thead><tr><td align="left" valign="bottom" colspan="2">Factor and items</td><td align="left" valign="bottom">Loadings</td><td align="left" valign="bottom">Cronbach &#x03B1;</td><td align="left" valign="bottom" colspan="2">First-order constructs</td><td align="left" valign="bottom" colspan="3">Second-order constructs</td><td align="left" valign="bottom" colspan="3">Third-order constructs</td></tr><tr><td align="left" valign="bottom" colspan="2"/><td align="left" valign="bottom"/><td align="left" valign="bottom"/><td align="left" valign="bottom">CR<sup><xref ref-type="table-fn" rid="table2fn2">b</xref></sup></td><td align="left" valign="bottom">AVE<sup><xref ref-type="table-fn" rid="table2fn3">c</xref></sup></td><td align="left" valign="bottom">Constructs</td><td align="left" valign="bottom">CR</td><td align="left" valign="bottom">AVE</td><td align="left" valign="bottom">Constructs</td><td align="left" valign="bottom">CR</td><td align="left" valign="bottom">AVE</td></tr></thead><tbody><tr><td align="left" valign="top" colspan="3"><bold>Systems reliability (SR)</bold></td><td align="left" valign="top">0.950</td><td align="left" valign="top">0.969</td><td align="left" valign="top">0.911</td><td align="left" valign="top">Platform quality</td><td align="left" valign="top">0.956</td><td align="left" valign="top">0.647</td><td align="left" valign="top">Service quality</td><td align="left" valign="top">0.985</td><td align="left" valign="top">0.685</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SR1</td><td align="left" valign="top">0.942</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SR2</td><td align="left" valign="top">0.971</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SR3</td><td align="left" valign="top">0.951</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Systems availability (SA)</bold></td><td align="left" valign="top">0.872</td><td align="left" valign="top">0.922</td><td align="left" valign="top">0.797</td><td align="left" valign="top">&#x2014;<sup><xref ref-type="table-fn" rid="table2fn4">d</xref></sup></td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SA1</td><td align="left" valign="top">0.908</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SA2</td><td align="left" valign="top">0.927</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SA3</td><td align="left" valign="top">0.841</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Systems efficiency (SE)</bold></td><td align="left" valign="top">0.90</td><td align="left" valign="top">0.938</td><td align="left" valign="top">0.834</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SE1</td><td align="left" valign="top">0.901</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SE2</td><td align="left" valign="top">0.932</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SE3</td><td align="left" valign="top">0.906</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Systems privacy (SP)</bold></td><td align="left" valign="top">0.923</td><td align="left" valign="top">0.951</td><td align="left" valign="top">0.867</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SP1</td><td align="left" valign="top">0.946</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SP2</td><td align="left" valign="top">0.943</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">SP3</td><td align="left" valign="top">0.903</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Responsiveness (RE)</bold></td><td align="left" valign="top">0.920</td><td align="left" valign="top">0.943</td><td align="left" valign="top">0.806</td><td align="left" valign="top">Interaction quality</td><td align="left" valign="top">0.975</td><td align="left" valign="top">0.768</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">RE1</td><td align="left" valign="top">0.901</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">RE2</td><td align="left" valign="top">0.909</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">RE3</td><td align="left" valign="top">0.892</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">RE4</td><td align="left" valign="top">0.890</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Assurance (AS)</bold></td><td align="left" valign="top">0.936</td><td align="left" valign="top">0.954</td><td align="left" valign="top">0.839</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">AS1</td><td align="left" valign="top">0.903</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">AS2</td><td align="left" valign="top">0.916</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">AS3</td><td align="left" valign="top">0.926</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">AS4</td><td align="left" valign="top">0.918</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Empathy (EM)</bold></td><td align="left" valign="top">0.952</td><td align="left" valign="top">0.966</td><td align="left" valign="top">0.875</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">EM1</td><td align="left" valign="top">0.946</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">EM2</td><td align="left" valign="top">0.957</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">EM3</td><td align="left" valign="top">0.940</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">EM4</td><td align="left" valign="top">0.899</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Functional benefit (FB)</bold></td><td align="left" valign="top">0.953</td><td align="left" valign="top">0.966</td><td align="left" valign="top">0.876</td><td align="left" valign="top">Outcome quality</td><td align="left" valign="top">0.979</td><td align="left" valign="top">0.869</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">FB1</td><td align="left" valign="top">0.926</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">FB2</td><td align="left" valign="top">0.933</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">FB3</td><td align="left" valign="top">0.942</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">FB4</td><td align="left" valign="top">0.943</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top" colspan="3"><bold>Emotional benefit (EB)</bold></td><td align="left" valign="top">0.961</td><td align="left" valign="top">0.975</td><td align="left" valign="top">0.928</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">EB1</td><td align="left" valign="top">0.958</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">EB2</td><td align="left" valign="top">0.965</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">EB3</td><td align="left" valign="top">0.966</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top">Satisfaction</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">1</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">1</td><td align="left" valign="top">1</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top" colspan="3"><bold>Intention to continue (IC)</bold></td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">0.951</td><td align="left" valign="top">0.866</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top"/><td align="left" valign="top">IC1</td><td align="left" valign="top">0.935</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">IC2</td><td align="left" valign="top">0.934</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr><tr><td align="left" valign="top"/><td align="left" valign="top">IC3</td><td align="left" valign="top">0.922</td><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/><td align="left" valign="top"/></tr></tbody></table><table-wrap-foot><fn id="table2fn1"><p><sup>a</sup>Convergent validity: loadings &#x003E;0.70. Scale reliability: CR&#x003E;0.80, AVE&#x003E;0.50.</p></fn><fn id="table2fn2"><p><sup>b</sup>CR: composite reliability.</p></fn><fn id="table2fn3"><p><sup>c</sup>AVE: average variance extracted.</p></fn><fn id="table2fn4"><p><sup>d</sup>Not applicable.</p></fn></table-wrap-foot></table-wrap><table-wrap id="t3" position="float"><label>Table 3.</label><caption><p>Correlation of first-order constructs<sup><xref ref-type="table-fn" rid="table3fn1">a</xref></sup>.</p></caption><table id="table3" frame="hsides" rules="groups"><thead><tr><td align="left" valign="bottom"/><td align="left" valign="bottom">AS<sup><xref ref-type="table-fn" rid="table3fn2">b</xref></sup></td><td align="left" valign="bottom">EB<sup><xref ref-type="table-fn" rid="table3fn3">c</xref></sup></td><td align="left" valign="bottom">EM<sup><xref ref-type="table-fn" rid="table3fn4">d</xref></sup></td><td align="left" valign="bottom">FB<sup><xref ref-type="table-fn" rid="table3fn5">e</xref></sup></td><td align="left" valign="bottom">IC<sup><xref ref-type="table-fn" rid="table3fn6">f</xref></sup></td><td align="left" valign="bottom">RE<sup><xref ref-type="table-fn" rid="table3fn7">g</xref></sup></td><td align="left" valign="bottom">SA<sup><xref ref-type="table-fn" rid="table3fn8">h</xref></sup></td><td align="left" valign="bottom">SAT<sup><xref ref-type="table-fn" rid="table3fn9">i</xref></sup></td><td align="left" valign="bottom">SE<sup><xref ref-type="table-fn" rid="table3fn10">j</xref></sup></td><td align="left" valign="bottom">SP<sup><xref ref-type="table-fn" rid="table3fn11">k</xref></sup></td><td align="left" valign="bottom">SR<sup><xref ref-type="table-fn" rid="table3fn12">l</xref></sup></td></tr></thead><tbody><tr><td align="left" valign="top">AS</td><td align="left" valign="top">0.916</td><td align="left" valign="top">&#x2014;<sup><xref ref-type="table-fn" rid="table3fn13">m</xref></sup></td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">EB</td><td align="left" valign="top">0.852</td><td align="left" valign="top">0.963</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">EM</td><td align="left" valign="top">0.899</td><td align="left" valign="top">0.858</td><td align="left" valign="top">0.936</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">FB</td><td align="left" valign="top">0.895</td><td align="left" valign="top">0.935</td><td align="left" valign="top">0.907</td><td align="left" valign="top">0.936</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">IC</td><td align="left" valign="top">0.761</td><td align="left" valign="top">0.824</td><td align="left" valign="top">0.753</td><td align="left" valign="top">0.795</td><td align="left" valign="top">0.930</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">RE</td><td align="left" valign="top">0.860</td><td align="left" valign="top">0.793</td><td align="left" valign="top">0.856</td><td align="left" valign="top">0.834</td><td align="left" valign="top">0.709</td><td align="left" valign="top">0.898</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">SA</td><td align="left" valign="top">0.637</td><td align="left" valign="top">0.635</td><td align="left" valign="top">0.628</td><td align="left" valign="top">0.657</td><td align="left" valign="top">0.562</td><td align="left" valign="top">0.697</td><td align="left" valign="top">0.893</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">SAT</td><td align="left" valign="top">0.324</td><td align="left" valign="top">0.308</td><td align="left" valign="top">0.323</td><td align="left" valign="top">0.333</td><td align="left" valign="top">0.311</td><td align="left" valign="top">0.269</td><td align="left" valign="top">0.173</td><td align="left" valign="top">1.000</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">SE</td><td align="left" valign="top">0.817</td><td align="left" valign="top">0.786</td><td align="left" valign="top">0.795</td><td align="left" valign="top">0.827</td><td align="left" valign="top">0.712</td><td align="left" valign="top">0.786</td><td align="left" valign="top">0.669</td><td align="left" valign="top">0.304</td><td align="left" valign="top">0.913</td><td align="left" valign="top">&#x2014;</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">SP</td><td align="left" valign="top">0.682</td><td align="left" valign="top">0.621</td><td align="left" valign="top">0.670</td><td align="left" valign="top">0.682</td><td align="left" valign="top">0.567</td><td align="left" valign="top">0.662</td><td align="left" valign="top">0.568</td><td align="left" valign="top">0.230</td><td align="left" valign="top">0.755</td><td align="left" valign="top">0.931</td><td align="left" valign="top">&#x2014;</td></tr><tr><td align="left" valign="top">SR</td><td align="left" valign="top">0.773</td><td align="left" valign="top">0.783</td><td align="left" valign="top">0.766</td><td align="left" valign="top">0.798</td><td align="left" valign="top">0.689</td><td align="left" valign="top">0.751</td><td align="left" valign="top">0.659</td><td align="left" valign="top">0.301</td><td align="left" valign="top">0.801</td><td align="left" valign="top">0.603</td><td align="left" valign="top">0.955</td></tr></tbody></table><table-wrap-foot><fn id="table3fn1"><p><sup>a</sup>Discriminant validity: square root of average variance extracted on the diagonal&#x003E;correlation coefficients.</p></fn><fn id="table3fn2"><p><sup>b</sup>AS: assurance.</p></fn><fn id="table3fn3"><p><sup>c</sup>EB: emotional benefit.</p></fn><fn id="table3fn4"><p><sup>d</sup>EM: empathy.</p></fn><fn id="table3fn5"><p><sup>e</sup>FB: functional benefit.</p></fn><fn id="table3fn6"><p><sup>f</sup>IC: intension.</p></fn><fn id="table3fn7"><p><sup>g</sup>RE: responsiveness.</p></fn><fn id="table3fn8"><p><sup>h</sup>SA: systems availability.</p></fn><fn id="table3fn9"><p><sup>i</sup>SAT: satisfaction.</p></fn><fn id="table3fn10"><p><sup>j</sup>SE: systems efficiency.</p></fn><fn id="table3fn11"><p><sup>k</sup>SP: systems privacy.</p></fn><fn id="table3fn12"><p><sup>l</sup>SR: systems reliability.</p></fn><fn id="table3fn13"><p><sup>m</sup>Not applicable.</p></fn></table-wrap-foot></table-wrap></sec><sec id="s3-3"><title>Structural Equation Modeling</title><p>Our results showed that the third-order construct, service quality, was associated with the second-order constructs&#x2014;platform quality (&#x03B2;=.946), interaction quality (&#x03B2;=.974), and outcome quality (&#x03B2;=.955), which explained 90%, 95%, and 91% of the overall quality variance, respectively (<xref ref-type="fig" rid="figure2">Figure 2</xref>). The second-order construct, outcome quality, was significantly associated with their first-order constructs&#x2014;functional benefit (&#x03B2;=.987) and emotional benefit (&#x03B2;=.979; <xref ref-type="fig" rid="figure2">Figure 2</xref>). All the path coefficients from service quality to second-order and third-order components were significant at <italic>P</italic>&#x003C;.001 (<xref ref-type="fig" rid="figure3">Figure 3</xref>). Therefore, we found that the 31 items, grouped into 9 factors, can be used to measure the overall service quality of SB teleconsultation services.</p><fig position="float" id="figure2"><label>Figure 2.</label><caption><p>Path coefficients of the research model for national teleconsultation services users during the COVID-19 pandemic in Bangladesh, October-December 2020 (N=2097). AS: assurance; EB: emotional benefit; EM: empathy; FB: functional benefit; IC: intension; IQ: interaction quality; OQ: outcome quality; PQ: platform quality; RE: responsiveness; SA: systems availability; SAT: satisfaction; SE: systems efficiency; SP: systems privacy; SQ: service quality; SR: systems reliability.</p></caption><graphic alt-version="no" mimetype="image" position="float" xlink:type="simple" xlink:href="humanfactors_v11i1e46566_fig02.png"/></fig><fig position="float" id="figure3"><label>Figure 3.</label><caption><p>Testing hypotheses regarding the association between Shastho Batayon service quality, user satisfaction, and continuance intention, October-December 2020 (N=2097). H: hypothesis. *<italic>P</italic>&#x003C;.001.</p></caption><graphic alt-version="no" mimetype="image" position="float" xlink:type="simple" xlink:href="humanfactors_v11i1e46566_fig03.png"/></fig></sec><sec id="s3-4"><title>Hypotheses Testing</title><list list-type="bullet"><list-item><p>Hypothesis 1: The &#x03B2; from service quality to satisfaction was .327, indicating that SB service quality was positively associated with user satisfaction.</p></list-item><list-item><p>Hypothesis 2: The &#x03B2; from satisfaction to intention to continue use was .311, indicating that user satisfaction with SB was positively associated with the intention to use the services in the future.</p></list-item><list-item><p>Hypothesis 3: The &#x03B2; from service quality to continuance intention was .102, indicating that SB service quality was associated with the intention to use the service in the future.</p></list-item></list></sec></sec><sec id="s4" sec-type="discussion"><title>Discussion</title><sec id="s4-1"><title>Principal Findings</title><p>Our study describes the use of toll-free national teleconsultation services (SB) during the COVID-19 pandemic using a service quality model validated in Bangladesh [<xref ref-type="bibr" rid="ref16">16</xref>]. In our analysis, we assessed the impact of service quality on user satisfaction and intention to use SB services in the future. During the pandemic, with the rapid increase in the number of calls to SB, the service provision had to be scaled up rapidly to cater to the needs of the population. However, our study indicates that teleconsultation services such as SB have to pay attention to service quality if they want the service recipients to continue to avail the services beyond the pandemic. In the context of Bangladesh, researchers have described [<xref ref-type="bibr" rid="ref44">44</xref>,<xref ref-type="bibr" rid="ref45">45</xref>] factors such as usefulness, perceived reliability, price value, technology anxiety, expectations, performance, disconfirmation, and enjoyment influencing the adoption, satisfaction, and continuance of mHealth and telemedicine services in Bangladesh [<xref ref-type="bibr" rid="ref44">44</xref>,<xref ref-type="bibr" rid="ref46">46</xref>-<xref ref-type="bibr" rid="ref49">49</xref>], although in most cases, the studies did not use validated scales for service quality. In most cases, the mHealth interventions studied were small-scale or were being piloted among both rural and urban populations. Only 1 study was conducted to conceptualize and validate service quality scales [<xref ref-type="bibr" rid="ref31">31</xref>]. To our knowledge, this is the first study to assess the association between service quality and both user satisfaction and intention to use the service in the future for national teleconsultation service.</p><p>The service quality of SB was positively associated with user satisfaction. This finding emphasizes the importance of looking at the SB service from the viewpoint of &#x201C;systems as service&#x201D; as described by earlier researchers [<xref ref-type="bibr" rid="ref30">30</xref>]. In terms of the 3 subdomains of service quality, such as platform quality, interaction quality, and outcome quality, SB services were perceived to provide the needed health care during the COVID-19 pandemic. Although in other studies, the price of the service was an important determinant of user satisfaction along with service quality [<xref ref-type="bibr" rid="ref50">50</xref>], calls to SB were made toll-free during the pandemic period, which could have contributed to both increase in the number of calls [<xref ref-type="bibr" rid="ref51">51</xref>] and user satisfaction. It is important that the insights related to the rapid scaling up of the SB services while maintaining service quality during emergencies are systematically recorded and included in the standard operating procedures in the future.</p><p>We found that service quality and user satisfaction were important determinants of the intention to use SB services in the future. Similar findings about the association between telemedicine service quality and user satisfaction on intention to use the services have been reported from both developed and developing countries [<xref ref-type="bibr" rid="ref52">52</xref>,<xref ref-type="bibr" rid="ref53">53</xref>]. Whether users will continue to use SB services for their future health care needs after the COVID-19 pandemic will depend on both service quality and user satisfaction. A sound technological platform is a necessity for providing reliable teleconsultation services. However, service quality also depends on the quality of interaction between the service providers and the users. Interaction quality could be improved by adequately training the service providers to respond to users&#x2019; needs with empathy and assurance [<xref ref-type="bibr" rid="ref31">31</xref>]. Another issue to consider is the specific nature of the COVID-19 pandemic, where normal health care delivery was disrupted [<xref ref-type="bibr" rid="ref54">54</xref>], and it was not easy to reach trained medical professionals [<xref ref-type="bibr" rid="ref55">55</xref>]. During the pandemic, a protocolized management of COVID-19 was approved nationally [<xref ref-type="bibr" rid="ref56">56</xref>] and was implemented through SB. However, in normal circumstances, people might prefer reaching out to trusted health facilities and doctors, as trust between provider and patient has been shown to be a crucial component of adherence to treatment [<xref ref-type="bibr" rid="ref57">57</xref>,<xref ref-type="bibr" rid="ref58">58</xref>]. In Bangladesh, previous studies have shown that preference for trusted health care professionals and lack of trust on telemedicine doctors created a significant barrier in the use of teleconsultation.</p><p>Though telemedicine services have improved and technological development has risen in recent years, SB services are only limited to teleconsultation and e-prescription [<xref ref-type="bibr" rid="ref51">51</xref>]. In addition, prescriptions provided by telemedicine are limited to adhere with health regulations [<xref ref-type="bibr" rid="ref59">59</xref>]. Despite its limitations, SB has proven to be an important source of health information during emergency situations where normal health care delivery is disrupted [<xref ref-type="bibr" rid="ref60">60</xref>]. The low-cost access to professional medical advice provided has the potential to bolster health care provision in the future. It is important, therefore, that the SB services are monitored to ensure the quality of service provision and address the gaps. It is also important to think through how best to optimally use SB services to enhance health care access and use during nonpandemic times. In this regard, it is important to address the existing digital divide that is apparent in the use of SB. Most of the callers of SB were better educated, young, male, and urban residents. It will be important to address the barriers faced by population groups that do not use SB services.</p><p>Overall, the findings of our study suggest that decision makers should consider &#x201C;service quality&#x201D; as an important strategic objective to ensure positive satisfaction and continuance intentions. Good-quality teleconsultation services can help health providers enhance health care coverage during pandemics. Policy makers can develop a tailored regulatory framework to ensure the quality of SB services. In this regard, investments in robust telecommunication infrastructure, especially in rural and hard-to-reach areas, are important to enhance technology accessibility and connectivity. Although teleconsultation services such as SB cannot be an alternative to regular health care, there are important lessons to be learnt from SB. The SB physicians were trained thoroughly in dealing with patients with professionalism and empathy, which led to increased patient satisfaction. As patient satisfaction was an important determinant of intention to use the service in the future, there should be constant efforts made to train health care providers to prioritize patient-centered care, incorporate patient feedback, and ensure user-friendly and accessible telemedicine platforms. Finally, a commitment to research and development, including resource allocation for studies on telemedicine&#x2019;s impact on user satisfaction, needs to be made to foster innovation and improvement of teleconsultation services.</p><p>The strength of the study is the use of a validated service quality model to understand the impact of service quality on patient satisfaction and intention to continue using the service [<xref ref-type="bibr" rid="ref30">30</xref>]. Another strength of this study is its focus on pandemic health care needs. The study had a few limitations: first, the context of the study is a single provider, and the study applies to the pandemic context. The findings regarding SB&#x2019;s acceptability may not be generalizable to a nonpandemic context. In the study, we were only able to measure the intention to continue to use the SB services rather than the actual continuance. In the future, longitudinal studies could be conducted to follow up and measure service quality and satisfaction in relationship to the actual continued use of the application.</p></sec><sec id="s4-2"><title>Conclusions</title><p>This study used a validated framework to evaluate national teleconsultation services in Bangladesh during the COVID-19 pandemic. The findings of this study imply that service quality in health care is an important factor to improve user satisfaction. This study is significant in the context of Bangladesh and other LMICs, where there are human resource constraints in health care, which can be addressed through teleconsultation services [<xref ref-type="bibr" rid="ref61">61</xref>]. The key to improving service quality and users&#x2019; satisfaction is a combination of an enabling environment and infrastructure that includes a robust platform, trained workforce, data privacy and confidentiality, and proper policies and legislations [<xref ref-type="bibr" rid="ref30">30</xref>,<xref ref-type="bibr" rid="ref32">32</xref>]. Additionally, our study findings imply that any teleconsultation service must have a guideline for service providers to ensure that good quality service is provided through teleconsultation. While the advances in telemedicine hold immense promise for improving health services, optimal benefits can be availed if service quality is adequately evaluated and monitored.</p></sec></sec></body><back><ack><p>The authors are thankful to all the participants who took part in the study. The authors thank the Synesis IT team and the Management Information System team of the Directorate General of Health Services. The authors would like to thank Dr Sifat Parveen Sheikh for all her support in the project. The Swedish International Development Cooperation Agency and Global Affairs Canada gratified the authors by providing funds for the project. The authors also thank the governments of Bangladesh, Canada, Sweden, and the United Kingdom for providing core or unrestricted support.</p></ack><notes><sec><title>Data Availability</title><p>The dataset is not publicly available due to the data privacy policy of the organization. Our institutional review board has required that the personal information of the participants is not disclosed. Data related to this manuscript are available upon request to those who meet the criteria of the organization's policy from Ms Shiblee Sayeed (shiblee_s@icddrb.org) at the research administration of the International Centre for Diarrheal Disease Research, Bangladesh.</p></sec></notes><fn-group><fn fn-type="conflict"><p>None declared.</p></fn></fn-group><glossary><title>Abbreviations</title><def-list><def-item><term id="abb1">CFA</term><def><p>confirmatory factor analysis</p></def></def-item><def-item><term id="abb2">LMIC</term><def><p>low- and middle-income country</p></def></def-item><def-item><term id="abb3">mHealth</term><def><p>mobile health</p></def></def-item><def-item><term id="abb4">PLS</term><def><p>partial least squares</p></def></def-item><def-item><term id="abb5">SEM</term><def><p>structural equation modeling</p></def></def-item></def-list></glossary><ref-list><title>References</title><ref id="ref1"><label>1</label><nlm-citation citation-type="web"><article-title>COVID-19 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