1. PRESENTATION
ON
ROLE OF INTERNET IN VALUE CREATION ON
BANKING SERVICES AT PCBs: A SURVEY STUDY
Course No: BAN-200
Course Title: Seminar and Viva Voce
2nd Year 2nd Semester
Session: 2012-13
Department of Business Administration
Shahjalal University of Science and Technology, Sylhet
2. Submitted To:
Chairman
Examination Committee
2nd Year 2nd Semester (2012-13)
Department of Business Administration
Shahjalal University of Science and Technology, Sylhet
Submitted By:
Name Registration No
Md. Ilias Miah 2011731019
Md. Rezaul Islam Chowdhury 2011731080
Md. Jayed Husain 2012731011
A. B. M. Atiqur Rahman 2012731023
Md. Mamun Ahmed 2012731027
Prishuti Chakma 2012731073
3. Background of the Study
Internet banking is one of the most popular electronic channels for
delivering banking services. Now the private commercial banking
industry is adopting and properly utilizing the internet for drawing
more customer’s attention and for delivering all banking services to
them. Internet banking is opened a new window in banking services
and creating values for the customers. It has been regarded as the most
important way to reduce cost and maintain or enhance services for
consumers. The development of internet in banking services has made
it possible to create new kinds of values for customers.
4. Problem Statement of the Study
Internet banking is introduced in Bangladesh lately.
Some PCBs have internet banking service but their users are not at
the satisfactory level.
General people are not interested in using internet banking.
Therefore, we conducted our study on why people are not interested
in internet banking and how internet banking should be introduced to
the common people for creating greater values for them.
5. Objectives of the Study
To measure level of value creation through internet banking services
in Bangladesh.
To identify satisfaction level of the internet banking users.
To find out gap between satisfaction level and expectation level and
recommend minimizing such gaps.
6. Methodology of the Study
The study followed quantitative approach as a research method. The
steps of methodology are as follows:
Population
Sample size and sampling method
Questionnaire design
Data collection
Data analysis
7. Data Analysis of the Study
20-24
21%
25-29
33%
30-34
36%
35-39
6%
40-44
2%
45-above
2%
AGE OF RESPONDENTS
Frequency
Percent
0
20
40
60
Teaching Private
service
Banker Student others
5
21
12 8 2
10.4
43.8
25
16.7
4.2
PROFESSION OF RESPONDENTS
Frequency Percent
8. Reasons of using I-Banking ƒ %
Easy to use 12 25.0
Saves time 10 20.8
24 hours availability 13 27.1
low cost 6 12.5
Secured transaction 6 12.5
10. Findings of the Study
Most of the clients are not aware of the benefits of I-
Banking.
Misconception about I-Banking
Limited sectors of implementation
Fear of unknown
11. Recommendations of the Study
Promotion of I-Banking
Implementation of easy and client friendly interface
Continuously updating I-Banking services
Providing secured client information
Conducting more research on I-Banking
12. Conclusion
Internet banking is gradually increasing value to the banking
services in Bangladesh. If the banks plan to expand the
customer base of internet banking they should focus more
on service quality, responsiveness, privacy and security
assurance and reliability factors of internet banking.
Attention should also be given in the encryption of the
information which is exchanged between the users and the
bank.