Paper presented at IBS, Hyderabad on 1st Banking Research Conference

1. On
An Empirical Study on Perception of International
Students on Indian Banking System
Dwaipayan Regmi
Kathmandu, Nepal
dwaipayan.regmi@gmail.com
Scholar of Indian Council for Cultural Relations
IBS, Hyderabad
Jan 30, 2016
At
Banking Research Conference 2016

2. Contents
Introduction1
Methodology2
Hypothesis and Key Findings3
Suggestions / Recommendations4
Limitations5
An Empirical Study on Perception of International Students on Indian Banking System

3. Introduction
Perception
International Students
Banks in India
1
2
3
An Empirical Study on Perception of International Students on Indian Banking System

4. Perception
 the way you think about or understand someone or something
can be defined as our recognition and interpretation of sensory
information. Perception also includes how we respond to the
information
International Students
Scholarship
Self Funding
Factors:• Attitudes
•Motives•Interests•Experience
•Expectations

5. Indian Banks
 The term bank is either derived from Old Italian word banca or from a French word banque
both mean a Bench or money exchange table
 A bank can be explained as an institution which keeps public money and grant advances
loan and in turn advances loans by creating credit
Collecting Money
Debit Card Swap Savings
Online Shopping
USES

6. Objectives of Study
•To determine the perception of international students on Indian Banking System.
•To detect the lagging part in Service offered by the Indian Banks.
•To highlight the strong and weak sector of Indian Banks from the vision of
International Students.
•To analyze the quality expected and perceived by International Students towards
Indian Banking services.
•To make suggestions on the basis of findings.

7. Methodology
Secondary Data
•Websites
•Articles
Primary Data
•Surveys
•Google Docs
•Hard Copy
IBM SPSS 20.0
•ANOVA Tests
•Chi Square Tests
•Cross Tabulation Test
•Correlation Matrix

8. Demographic Figures
No of respondents: 100

9. Key Findings
Hypothesis Test 1
Null hypothesis (Ho): There is no significant difference between satisfaction level on overall
quality between various groups based on nationality.
Alternative hypothesis(H1): At least one of the groups has different satisfaction level.
Hypothesis Test 2
Null hypothesis (Ho): There is no significant difference between responsiveness
perceived between various age groups.
Alternative hypothesis (H1): At least one of the groups has different satisfaction
level.
.
Hypothesis Test 3
Null Hypothesis (Ho): There is no significant relationship between Empathy perceived and
gender.
Alternative Hypothesis (H1): There is significant relationship between Empathy perceived
and gender.

10. Key Findings
Dimensions Mean Expectations Mean Perception Gap SQ Score
Tangibility 4.33 3.58 -0.75 3
Empathy 4.15 2.98 -1.17 6
Accessibility 4.49 3.98 -0.51 1
Assurance 4.81 4.15 -0.66 2
Reliability 4.56 3.5 -1.06 4
Responsiveness 4.43 3.31 -1.12 5
Comparison of Descriptive

11. Key Findings
Correlation MatrixDIMENSIONS Tangibility Empathy Accessibility Assurance Reliability Responsiveness
Tangibility 1 0.320** 0.389** 0.191* 0.343** 0.147
Empathy 0.320** 1 0.144 0.139 0.326** 0.168*
Accessibility 0.389** 0.144 1 0.393** 0.339** 0.260**
Assurance 0.191* 0.139 0.393** 1 0.583** 0.662**
Reliability 0.343** 0.326** 0.339** 0.583** 1 0.465**
Responsiveness 0.147 0.168* 0.260** 0.662** 0.465** 1

12. Suggestions and Recommendations
Employee trainings on ‘Understanding Psychology’, ‘Sociology’ could develop
proper customer understanding capability within employees.
Installation of Money Deposit Machine and Automated Teller Machine necessary
spots.
Addressing errors quickly.
Understanding tastes of customer and bringing menu as per their taste.
English language as a must.
Feedback mechanism should be efficiently brought into existence with efficiency.

13. Limitations
• Studies undergone of only seven states of India.
•Studies undergone of only 12 Universities of India.
•Limitation in sample size.
•Satisfaction is an abstract term.

14. Conclusion
It’s already good,
But can be lot better!!