Articles
| Open Access | Optimizing Customer Satisfaction Through Business Process Reengineering: A Strategic Approach for Deposit-Taking SACCO Organizations
Dr. Aarav Sharma , Department of Interdisciplinary Studies National Institute of Advanced Research and Innovation Pune, Maharashtra, India Dr. Meera Nair , Centre for Multidisciplinary Research and Development Institute of Emerging Sciences and Technology Kochi, Kerala, IndiaAbstract
Deposit-taking Savings and Credit Cooperative Organizations (SACCOs) operate within an increasingly competitive financial environment characterized by technological advancement, changing customer expectations, and heightened demand for service efficiency. Traditional operational procedures often create delays, increase costs, and reduce customer satisfaction, thereby affecting organizational competitiveness. Business Process Reengineering (BPR) has emerged as a strategic management approach capable of fundamentally redesigning organizational processes to achieve significant improvements in performance, quality, speed, and customer value. This study reviews the relationship between business process reengineering and customer satisfaction within deposit-taking SACCO organizations. Drawing upon existing literature relating to process redesign, service quality, information technology adoption, organizational performance, and customer satisfaction, the paper develops a conceptual framework illustrating how BPR influences customer experience through operational efficiency, technological integration, service quality enhancement, and organizational responsiveness. The study adopts a qualitative review methodology based on existing scholarly literature. Findings indicate that successful implementation of BPR significantly improves customer satisfaction through reduced transaction time, improved service accessibility, enhanced reliability, and increased organizational flexibility. The study further highlights the critical role of leadership commitment, technological infrastructure, employee participation, and customer-centered process design in achieving successful reengineering outcomes. The paper contributes to strategic management and cooperative finance literature by providing an integrated perspective on how SACCOs can leverage process transformation to improve customer experiences and sustain competitive advantage.
Keywords
Business Process Reengineering, Customer Satisfaction, Deposit-Taking SACCOs, Service Quality
References
Anand, S. V., & Selvaraj, M. (2013). Evaluation of Service Quality and its Impact on Customer Satisfaction in Indian Banking Sector: A Comparative study using SERVPERF. Life Science Journal, PP.3267-3274.
Anyasi, F. I., & Otubu, P. A. (2009). Mobile Phone Technology in Banking System: Its Economic Effect. Reserch Journal of Informtion Technology 1(1), 1-5.
Arbore, A., & Busacca, B. (2009). Customer Satisfaction and Dissatisfaction in Retail Banking: Exploring the Asymmetric Impact of Attribute Performances. Journal of Retailing and Consumer Services, PP. 271-280.
Aremu, M. A., & Saka, H. T. (2014). The impact of information technology on library management: a marketing perspective. Arabian Journal of Business and Management Review (Oman Chapter), 4(4), p.1.
Asiyanbi, H., & Ishola, A. (2018). E-Banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria. Accounting, 4(4), PP. 153-160.
Balasubramanian, S. (2010). Successful reengineering implementation strategy.
Bryman, A., & Bell , E. (2015). Business Research Methods. London: Oxford University Press.
Circuar, R. (2006). Reserve Bank of India.
Cox, J. W., & Hassard, J. (2005). Triangulation in organizational research representation of Organizational Science. Management Science, 12, PP. 109-133.
Davenport, T. H., & Short, J. E. (2009). The new industrial engineering: information technology and business process redesign.
Disii, F. (2011). Implementation of BPR and benchmarking at Kenya Ports Authority. University of Nairobi: School of Business.
Doyle, M. (2014). Business Process Re-engineering for the Improvement of Bank Credit Operations. The University of Johannesburg.
Epetimehin, F. M., & Ekundayo, O. (2011). Organizational knowledge management: Survival strategy for Nigeria insurance industry. Interdisciplinary Review of Economics and Management, PP. 9-15.
Evans, J. R., & Berman, B. (2009). Marketing, 4 edition. London: Collier MacMillan Publishers.
Fraenkel, J. R., & Wallen, N. E. (2011). How to Design and Evaluate Research in Education. New York: McGrawHill Higher Education.
Graham, R. S. (2010). Business process reengineering: strategies for occupational health and safety.
Grönroos, C. (2008). Marketing services: The case of a missing product. Journal of Business & Industrial Marketing, 13, pp. 322-338.
Group, B. C. (2009). BCG Innovation.
Habib, M., & Wazir, J. (2012). Reengineering the Corporations. London: MacMillan Publishers.
Hagos, S. (2012). Assessment of business process reengineering implementation and result within Ethiopian ministry of health and Gambelle regional health bureau context. Blekinge Institute of Technology.
Hammer, M. (2009). Reengineering Work: Don’t automate, elaborate. Harvard Business Review, July-August, PP. 104-112.
Jack, W., & Suri, T. (2010). The Economics of M-PESA. Unpublished paper on M-PESA Georgetown University.
Janson, R. (2010). How Reengineering Transforms Organizations to Satisfy Customers. National Productivity Review, p. 45.
Kalimang‟asi, N., Bundala, D. M., & Mlowosa, T. P. (2014). Measuring Contributions of Information Technology on Bank‟s Service Offering: The Case of National Microfinance Bank (NMB) Ltd Tanzania. International Journal of Scientific and Research Publications, Volume 4, Issue 11, November 2014 1 ISSN 2250-3153.
Khuzaimah, A. L. (2011). The impact of business process reengineering on organizational Performance. (Doctoral dissertation, Universiti Utara Malaysia).
Download and View Statistics
Copyright License
Copyright (c) 2026 Dr. Aarav Sharma, Dr. Meera Nair

This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.
