This is a study on the users of mobile banking in Bantwal Taluk, Dakshina Kannada.

1. Mobile Banking An Initiative Towards Green
Banking
A Study With Reference To Customers of Bantwal
Taluk
By:
Ms. Yashaswini P Ms. Shruthi Rao
Lecturer, Lecturer,
SVS College, Bantwal SVS College, Bantwal

2. Mobile banking has become inevitable in India due to
demonetization, the bold step taken by the Government of
India to curb black money. The mobile banking helps the
people in rural areas to have an access to the banking services
easily. This has become possible with high reach of mobile
devices in rural areas. The revolution in mobile technology
and operating system used play a major role in mobile
banking.

3. Objectives of the study:
The aim of the study is to investigate the market status for M-
Banking in Bantwal Taluk.
 To identify different services, the consumers make use of
through M-Banking app.
 To identify growth and scope of mobile banking.
 To identify the usefulness of the service.
 To study the problems in M-Banking.

4.  Primary data:
Collected from the respondents from Bantwal Taluk.
 Secondary data:
Through websites, journals and newspapers

5.  Account balance enquiry
 Account statement enquiry
 Cheque status enquiry
 Cheque book request
 Fund transfer between accounts
 Credit/debit alerts
 Minimum balance alerts
 Bill payment
 Bill payment alerts
 Recent transaction history request
 Mobile/DTH top up

6.  It provides various banking services at customer’s finger
tips.
 It is convenient, no matter where you are.
 It keeps the control of the finances. One can monitor the
balances and its financial standing.
 It is secure. Some banks even offer security guarantee to
make use of M-banking truly worry free.
 The time taken to complete the transaction is very less when
compared to internet banking.
 It encourages the customer to stay green as it is paperless.

7.  In the process of study we noted down the following points.
 Globally India is in the 5th place in using M-Banking
 78% of the users are satisfied with the services provided by the M-
Banking.
 Some respondents feel that it leads to impulse buying.
 Even though it is very helpful unless it is made compulsory people
will not accept it.
 The users of this service belong to less than 35years old.
 Of the total respondents contacted 90% of them have smart phone and
they are aware of mobile banking.
 Nearly 50% of the people are very much interested in M-Banking and
15% of them said that they would consider M-Banking in the coming
days.

8.  60% of the respondents are of the opinion that it may save
their money whereas 30% of the people told that it will
definitely save their money.
 50% of the respondents agreed that it is very much convenient
for them.
 40% of them feel that this is highly secured.
 75% of the respondents using this service for less than one
year.
 More than 60% of the respondents said that they often make
transactions in M-Banking.
 Even though the customers are making use of all the services
available, they use it for transferring their funds, mobile/DTH
recharge and account mini statement.
 More than 40% of the respondents find problem in login
where more than 30% of them find difficulty in maintaining
secrecy.

9.  From the study we would like to give some suggestions to increase
the usage of mobile banking:
 Rural people are not aware of this service. So some training
programme should be conducted to educate in this regard.
 There is some limit to transfer the fund. The banks need to remove
that limit.
 Improvement in technology for High security against hacking is
required.
 Banks should encourage the customers to adopt M-Banking.
 Better connectivity (high speed internet or free Wi-Fi) and anti-
phising software required.

10. New technology has rapidly changed the traditional
ways of doing banking business. By adopting mobile
banking, customers can save the time of visiting the branch.
Banking apps provide wide range of services at one’s finger
tips, but the risk of identity theft is a major downside.
Fortunately, it’s easy to avoid with solutions like strong
password protection and secure connections. By keeping
security tips in mind, you can enjoy a safer mobile banking
experience.

11. Thank You