This study examines customer perceptions of internet banking in India. The researchers conducted a survey of 61 respondents to identify major factors influencing perceptions. Through factor analysis, they identified 5 key factors that explained 74.1% of the variance in customer perceptions: 1) utility requests, 2) security, 3) utility transactions, 4) ticket booking, and 5) fund transfers. The study provides insight into how Indian customers view internet banking services and what service attributes most impact their perceptions.
A Study on Factors of E Banking Challenges in Indiaijtsrd
The customer uses the banking services through online banking, mobile phone banking and automated teller machine these were are called as 'E Banking. This study aimed to describe the customer view about the banking services through E banking. Customer service is also a part of the banking, this paper will tell about the customer satisfaction level about the e banking will explain through the pilot study. Dr. S. Saravanan | M. Dharani "A Study on Factors of E-Banking Challenges in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-4 , June 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31147.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31147/a-study-on-factors-of-ebanking-challenges-in-india/dr-s-saravanan
Risks and Trust in Internet Banking: Sample Evidence from Pathanamthitta Dist...IOSR Journals
The marvelous kinds of innovation in technology and hard line blend of it with information technology made a paradigm shift in the banking industry. Technology itself created its world in the globe of human beings. The beginning of E- banking created a phenomenal system- Internet banking. Internet banking is a kind of systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through the Internet. The main objectives of the paper are: 1.to understand the profile of Internet banking users in Pathanamthitta District. 2 .to identify the most widely used application of Internet banking. 3. to understand the influence of gender on various dimensions of risk in the usage of Internet banking. 4. to understand the influence of gender on various dimensions of trust in the usage of Internet banking. It is found that the popular internet banking services are; balance enquiry, followed by recharging mobile phones, banking service information and payment to other account. Most of the users are in the age group of 20-30 either employed or student with a monthly income of below 40,000 with educated with an average or advanced level of computer knowledge. The Chi-square test revealed that there is no statistically significant difference between the opinion of males and females towards risk are found. There is significant difference between males and females towards trust is found.
Customer Adoption of Internet Banking in MauritiusWaqas Tariq
Internet banking offers many benefits but little research has been done about its acceptance in Mauritius. This paper aims at assessing the factors that contribute to the adoption of internet banking in Mauritius. To support our arguments, we use a logistic regression model based on a sample survey to analyze the factors that influence internet banking in Mauritius. We conclude that factors such as age, income, service usefulness, risk factor, checking account frequency and internet location are the main determinants for a person to opt for online banking
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
A Study on Factors of E Banking Challenges in Indiaijtsrd
The customer uses the banking services through online banking, mobile phone banking and automated teller machine these were are called as 'E Banking. This study aimed to describe the customer view about the banking services through E banking. Customer service is also a part of the banking, this paper will tell about the customer satisfaction level about the e banking will explain through the pilot study. Dr. S. Saravanan | M. Dharani "A Study on Factors of E-Banking Challenges in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-4 , June 2020, URL: https://www.ijtsrd.com/papers/ijtsrd31147.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/31147/a-study-on-factors-of-ebanking-challenges-in-india/dr-s-saravanan
Risks and Trust in Internet Banking: Sample Evidence from Pathanamthitta Dist...IOSR Journals
The marvelous kinds of innovation in technology and hard line blend of it with information technology made a paradigm shift in the banking industry. Technology itself created its world in the globe of human beings. The beginning of E- banking created a phenomenal system- Internet banking. Internet banking is a kind of systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through the Internet. The main objectives of the paper are: 1.to understand the profile of Internet banking users in Pathanamthitta District. 2 .to identify the most widely used application of Internet banking. 3. to understand the influence of gender on various dimensions of risk in the usage of Internet banking. 4. to understand the influence of gender on various dimensions of trust in the usage of Internet banking. It is found that the popular internet banking services are; balance enquiry, followed by recharging mobile phones, banking service information and payment to other account. Most of the users are in the age group of 20-30 either employed or student with a monthly income of below 40,000 with educated with an average or advanced level of computer knowledge. The Chi-square test revealed that there is no statistically significant difference between the opinion of males and females towards risk are found. There is significant difference between males and females towards trust is found.
Customer Adoption of Internet Banking in MauritiusWaqas Tariq
Internet banking offers many benefits but little research has been done about its acceptance in Mauritius. This paper aims at assessing the factors that contribute to the adoption of internet banking in Mauritius. To support our arguments, we use a logistic regression model based on a sample survey to analyze the factors that influence internet banking in Mauritius. We conclude that factors such as age, income, service usefulness, risk factor, checking account frequency and internet location are the main determinants for a person to opt for online banking
DIGITAL BANKING MADE TRANSACTION MORE TRUSTED AND SECURED?IAEME Publication
This research was conducted to find out customer's response in digital banking
era using TAM and UTAUT model. Questionnaires filled bank account owner who
have often used digital banking. Results based previous research most customers have
been able to adjust to the digital banking. There is short comings facilities in digital
banking i.e. small banks still use digital banking as window dressing to attract
customers, the front-page display is too confusing, often broken, security is not
guaranteed. Recommendations have been given to the bank's management, as input
for improvement in the future.
Assessing the Impact of Relationship Quality on Online Adoption ijbiss
Relationships are strongly embedded in Indian culture due to its high-context nature. Because of this, the role of relationship marketing has been advanced in a variety of services viz., banking, retailing, telecom, etc and hence the competition amongst various service providers has increased. Traditionally, relationship management used to be personal interaction based phenomenon but with IT as an enabler for online channels, the need for creating and growing relationships have transpired in a big way. With the advent of technological changes in the business environment, customers are seeking better alternatives to reduce the frequency of visiting the bank branch physically and are relying more on the virtual mode for transacting. Hence, banks and other service organizations are strongly focussing on the digital (online) channels for facilitating monetary transactions and hence gaining competitive advantage. In the virtual mode, the concept of relationships appears to be unrealistic due to the absence of human interface. However, significant studies have been conducted in this regard which focus on the influence of relationship quality factors viz., trust, commitment, satisfaction, etc. towards adopting the online channel for carrying out financial transactions. Relationship quality focuses on evaluating the strength of relationships, which affects customer loyalty. There exists a dearth of such significant studies in the Indian context. The present research will focus on bridging this gap in the literature. This paper will follow a causal research design for empirically analysing the impact of RQ factors towards adopting online mode for banking transactions. It will also investigate the future intentions of the customers toward using the online channels for carrying out financial transactions.
A Study on Role of Technology in Banking Sectorijtsrd
The purpose of this study is to examine the relationship between new technology implementation in banking sector and customers How they are aware about the technologies and how they are using it Data for this study was collected from the customers of various Banking Sectors under the Reserve Bank of India A simple percentage analysis and pie chart will be done According to questioners 30 samples are collected and interpretations are given Findings suggest that most of the customers of bank using ATM facility So the banks need to give awareness about the E-banking services Lastly, the paper is of few papers that focus on technology development in banking industry Aswin Raj. T | Mr. Bala Nageshwara Rao "A Study on Role of Technology in Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-6 , October 2018, URL: http://www.ijtsrd.com/papers/ijtsrd18357.pdf
A comparative study on e–banking services at bangalore cityIJARIIT
Technology in Indian banking has evolved substantially from the days of back-office automation to today's online,
centralized and integrated solutions. Banking is now no longer confined to the branches where one has to approach the
branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. With the expansion of internet
usage, e-banking has become one of the most revolutionized components of today’s economic growth. E-banking is powerful
value added tool to attract new customers and retain the existing ones. With the proliferation of internet and computer usage, the electronic delivery of e-banking service has become ideal for banks to meet customer expectations.
Predicting customer's intentions to use internet banking: the role of technol...Samar Rahi
Information and communication technology (ICT) developments and trends in recent years have
had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology
has accelerated changes in the way of banking business. The purpose of this paper is to explore the
factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample
used in this empirical study includes 265 responses of internet banking users collected through
structured questionnaire. For statistical analysis, structural equation model (SEM) approach was
used. The present study suggests that internet banking use increases as long as customer perceives
it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude
were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance
performance matrix analysis has shown that attitude was the most important factor. Thus,
banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect
customers.
Electronic Customer Relationship Management and Consumer Behaviour (A Study o...IJRTEMJOURNAL
The study focuses on electronic customer relationship management and consumer behavior with
special emphasis on diamond bank Plc. Retail financial services in all markets, including emerging markets, are
undergoing major transformation that is driven by change, deregulation and customer sophistication. Electronic
Customer service and specifically online customer relationship management in particular is crucial to attaining
a sustainable competitive advantage, in the market place. The main objective of the study is to examine the effect
of electronic customer relationship management on customer patronage. A survey design was adopted for the
study and one hundred and ninety copies of structured questionnaire were used as primary data collection
instrument which was distributed to customers of diamond bank in the study area. However, the postulated
hypotheses were tested by employing the Pearson product moment Correlation Coefficient (PPMCC) statistical
tool which was facilitated by the statistical packages for social sciences (SPSS). The study however showed that
a significant relationship exists between e-CRM and consumer behavior. Furthermore, it was found that amongst
the dimensions of e-CRM, e-commitment and e-satisfaction impacts more significantly on customer patronage.
The study therefore concludes that Nigerian money deposit banks should increase their electronic platform
strategies since they commensurably impact on their level of customer patronage. However, the study
recommended that the key to efficient performance of Nigeria banking industry is hinged on their ability to
identify, attract, retain and develop their customers better than competitors and could be achieved by improved
e-trust, e-commitment and e-satisfaction. Limitation and suggestion for further studies was given.
IOSR Journal of Business and Management (IOSR-JBM) is an open access international journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
ELECTRONIC PAYMENT SYSTEMS - TECHNICAL AND STRATEGIC ISSUESIAEME Publication
E-banking which is also known as online banking, internet banking or virtual
banking is defined as the automated delivery of new and the regular products and
services of a bank directly to customers through electronic, interactive communication
channels and permits the customer to conduct range of financial transactions through
the financial institution’s website. Customers access e-banking services through
personal computer (PC), personal digital assistant (PDA), automated teller machine
(ATM), kiosk, or touch tone telephone. The e-banking is a part of the core banking
system operated by a bank and is in contrast to branch banking, the way customers
accessed all the banking services traditionally.
The purpose of the study is to analyze the e-payment system in the banks, to
determine the effectiveness and usage by the customers. The study adopted the
descriptive research method by choosing 200 as its sample for the study using
structured questionnaire. The primary data was collected through the survey method
from the bank customers. The major findings of the study revealed that the customer
feels safe, comfortable in using the e-payment services of the bank. The important
finding was that the most of the customers of the study banks are salaried accounts.
E-BANKING IMPLEMENTATION AND TECHNOLOGY ACCEPTANCE IN THE RAFIDAIN AND RASHEE...Hosam alden
n the third millennium, e-banking system has been adopted globally in the banking industry. On the other hand, Iraq as a nation with less developed IT adoption has not integrated this system in its banking services, instead of its current acknowledgement on the advantages of ebanking technology in competition among banking service providers. In
contrast, Iraqi banks still keep on adopting traditional banking system to
deliver the majority of their services which in this case are paper-based
work system. This is greatly resulted from the hesitation of bank
employees to adopt new banking technologies. This study aims to
identify the impact of hypothesis between e-banking system and Iraqi
banks employee perspective. This study was conducted by taking sample
of employee from two biggest public banks in Iraq which are ALRAFIDAIN and AL-RASHEED. A survey through questionnaires on the
website was used as the instrument to collect the data were analyzed
using PLS software. Technology Acceptance model(TAM) as a basic
foundation with independent variables Perceived Usefulness, Perceived
Ease of Use, Perceived IT Beliefs and Task–Technology Fit, Attitude as
Intervening and Intention to Use as dependent variable. The result of
hypothesis analysis reveals that there is a significant impact among all
variables to attitude, but Perceived Ease of Use, it does not apply variable
from those analysis it is depicted that Perceived Ease of Use does not impact to the perception of the implementation of e-banking system in Iraqi banks.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
An Analysis of Services Provided By the Banks through E-Banking in Rajasthan ...paperpublications3
Abstract: Today, banks seem to be jumping on the bandwagon of Internet banking. Why is there a sudden increase of bank interests in the Internet? The first major reason is because of the improved security and encryption methods developed on the Internet. The second reason is that banks did not want to lose a potential market share to banks that were quick to offer their services on the internet. Another trend in e-banking is a shift of focus of banks from being product-centric to customer-centric. Access to the Internet has put wealth management decisions and demand side technology in customers’ hands, and they can dictate the types of products and services they require, while the internet has enabled banks to deliver desired product/services more quickly.
Effects of Satisfaction and Adoption on Online Bankingijtsrd
Despite the importance of online banking in many financial institutions, less research has focused on satisfaction and adoption, especially in Asia. Due to the introduction of technology, a new phenomenon in the banking sector of Mongolia, and many customers have not yet accepted it, this study was carried out to determine the factors affecting the adoption of online banking services by customers, as well as to examine the relationship between online banking services, satisfaction and adoption, the main tool for collecting data was a questionnaire that was developed on a 5 point Likert scale to be able to collect good quantitative data. In the course of the work, it was found that there was a positive relationship between online banking and satisfaction, which is consistent with the data obtained Al hawari and Ward, 2005 . In the work, it is recommended to pay more attention and focus efforts to individual clients. In addition, online banking service providers should look for indicators of innovative ways to raise awareness of the service through participation in trade organizations, exhibitions, and the introduction of new online banking technologies. Chuluudai Delgerzaya | Anar Badral | Yondon Badarch "Effects of Satisfaction and Adoption on Online Banking" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29715.pdf Paper URL: https://www.ijtsrd.com/management/management-development/29715/effects-of-satisfaction-and-adoption-on-online-banking/chuluudai-delgerzaya
Assessing the Impact of Relationship Quality on Online Adoption ijbiss
Relationships are strongly embedded in Indian culture due to its high-context nature. Because of this, the role of relationship marketing has been advanced in a variety of services viz., banking, retailing, telecom, etc and hence the competition amongst various service providers has increased. Traditionally, relationship management used to be personal interaction based phenomenon but with IT as an enabler for online channels, the need for creating and growing relationships have transpired in a big way. With the advent of technological changes in the business environment, customers are seeking better alternatives to reduce the frequency of visiting the bank branch physically and are relying more on the virtual mode for transacting. Hence, banks and other service organizations are strongly focussing on the digital (online) channels for facilitating monetary transactions and hence gaining competitive advantage. In the virtual mode, the concept of relationships appears to be unrealistic due to the absence of human interface. However, significant studies have been conducted in this regard which focus on the influence of relationship quality factors viz., trust, commitment, satisfaction, etc. towards adopting the online channel for carrying out financial transactions. Relationship quality focuses on evaluating the strength of relationships, which affects customer loyalty. There exists a dearth of such significant studies in the Indian context. The present research will focus on bridging this gap in the literature. This paper will follow a causal research design for empirically analysing the impact of RQ factors towards adopting online mode for banking transactions. It will also investigate the future intentions of the customers toward using the online channels for carrying out financial transactions.
A Study on Role of Technology in Banking Sectorijtsrd
The purpose of this study is to examine the relationship between new technology implementation in banking sector and customers How they are aware about the technologies and how they are using it Data for this study was collected from the customers of various Banking Sectors under the Reserve Bank of India A simple percentage analysis and pie chart will be done According to questioners 30 samples are collected and interpretations are given Findings suggest that most of the customers of bank using ATM facility So the banks need to give awareness about the E-banking services Lastly, the paper is of few papers that focus on technology development in banking industry Aswin Raj. T | Mr. Bala Nageshwara Rao "A Study on Role of Technology in Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-6 , October 2018, URL: http://www.ijtsrd.com/papers/ijtsrd18357.pdf
A comparative study on e–banking services at bangalore cityIJARIIT
Technology in Indian banking has evolved substantially from the days of back-office automation to today's online,
centralized and integrated solutions. Banking is now no longer confined to the branches where one has to approach the
branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. With the expansion of internet
usage, e-banking has become one of the most revolutionized components of today’s economic growth. E-banking is powerful
value added tool to attract new customers and retain the existing ones. With the proliferation of internet and computer usage, the electronic delivery of e-banking service has become ideal for banks to meet customer expectations.
Predicting customer's intentions to use internet banking: the role of technol...Samar Rahi
Information and communication technology (ICT) developments and trends in recent years have
had great impacts on banking sector worldwide. Therefore, the disruptive innovative technology
has accelerated changes in the way of banking business. The purpose of this paper is to explore the
factors that influence on Pakistani customer’s intentions to adopt internet banking. The sample
used in this empirical study includes 265 responses of internet banking users collected through
structured questionnaire. For statistical analysis, structural equation model (SEM) approach was
used. The present study suggests that internet banking use increases as long as customer perceives
it as useful tool. Findings confirmed that perceived usefulness, perceived ease of use and attitude
were the key constructs for promoting internet banking usage in Pakistan. Furthermore, the importance
performance matrix analysis has shown that attitude was the most important factor. Thus,
banks can focus on cultivation of positive attitudinal beliefs about internet banking among prospect
customers.
Electronic Customer Relationship Management and Consumer Behaviour (A Study o...IJRTEMJOURNAL
The study focuses on electronic customer relationship management and consumer behavior with
special emphasis on diamond bank Plc. Retail financial services in all markets, including emerging markets, are
undergoing major transformation that is driven by change, deregulation and customer sophistication. Electronic
Customer service and specifically online customer relationship management in particular is crucial to attaining
a sustainable competitive advantage, in the market place. The main objective of the study is to examine the effect
of electronic customer relationship management on customer patronage. A survey design was adopted for the
study and one hundred and ninety copies of structured questionnaire were used as primary data collection
instrument which was distributed to customers of diamond bank in the study area. However, the postulated
hypotheses were tested by employing the Pearson product moment Correlation Coefficient (PPMCC) statistical
tool which was facilitated by the statistical packages for social sciences (SPSS). The study however showed that
a significant relationship exists between e-CRM and consumer behavior. Furthermore, it was found that amongst
the dimensions of e-CRM, e-commitment and e-satisfaction impacts more significantly on customer patronage.
The study therefore concludes that Nigerian money deposit banks should increase their electronic platform
strategies since they commensurably impact on their level of customer patronage. However, the study
recommended that the key to efficient performance of Nigeria banking industry is hinged on their ability to
identify, attract, retain and develop their customers better than competitors and could be achieved by improved
e-trust, e-commitment and e-satisfaction. Limitation and suggestion for further studies was given.
IOSR Journal of Business and Management (IOSR-JBM) is an open access international journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
ELECTRONIC PAYMENT SYSTEMS - TECHNICAL AND STRATEGIC ISSUESIAEME Publication
E-banking which is also known as online banking, internet banking or virtual
banking is defined as the automated delivery of new and the regular products and
services of a bank directly to customers through electronic, interactive communication
channels and permits the customer to conduct range of financial transactions through
the financial institution’s website. Customers access e-banking services through
personal computer (PC), personal digital assistant (PDA), automated teller machine
(ATM), kiosk, or touch tone telephone. The e-banking is a part of the core banking
system operated by a bank and is in contrast to branch banking, the way customers
accessed all the banking services traditionally.
The purpose of the study is to analyze the e-payment system in the banks, to
determine the effectiveness and usage by the customers. The study adopted the
descriptive research method by choosing 200 as its sample for the study using
structured questionnaire. The primary data was collected through the survey method
from the bank customers. The major findings of the study revealed that the customer
feels safe, comfortable in using the e-payment services of the bank. The important
finding was that the most of the customers of the study banks are salaried accounts.
E-BANKING IMPLEMENTATION AND TECHNOLOGY ACCEPTANCE IN THE RAFIDAIN AND RASHEE...Hosam alden
n the third millennium, e-banking system has been adopted globally in the banking industry. On the other hand, Iraq as a nation with less developed IT adoption has not integrated this system in its banking services, instead of its current acknowledgement on the advantages of ebanking technology in competition among banking service providers. In
contrast, Iraqi banks still keep on adopting traditional banking system to
deliver the majority of their services which in this case are paper-based
work system. This is greatly resulted from the hesitation of bank
employees to adopt new banking technologies. This study aims to
identify the impact of hypothesis between e-banking system and Iraqi
banks employee perspective. This study was conducted by taking sample
of employee from two biggest public banks in Iraq which are ALRAFIDAIN and AL-RASHEED. A survey through questionnaires on the
website was used as the instrument to collect the data were analyzed
using PLS software. Technology Acceptance model(TAM) as a basic
foundation with independent variables Perceived Usefulness, Perceived
Ease of Use, Perceived IT Beliefs and Task–Technology Fit, Attitude as
Intervening and Intention to Use as dependent variable. The result of
hypothesis analysis reveals that there is a significant impact among all
variables to attitude, but Perceived Ease of Use, it does not apply variable
from those analysis it is depicted that Perceived Ease of Use does not impact to the perception of the implementation of e-banking system in Iraqi banks.
Conceptualizing a Model for Online Shopping Intension: A Literature ReviewIJLT EMAS
- Internet marketing and online shopping have opened
the gates not only for big, small and medium enterprises (SMEs),
it has created immense opportunities for startups of India, to
market their products (both goods and services) globally. But
though there is significant development of the internet
technologies, internet facilities and services, still the online sale is
not significant compared to the sale through retail. Hence, this
study is undertaken to find the factors that will improve online
sales. The literature available in the internet is reviewed to
understand and find the influencing factors for online shopping.
The findings are that there are two major categories of
influencing factors, namely motivating and restricting factors,
which affects the customers’ intension to use online shopping for
purchase. Based on these findings a model has been
conceptualized. In the proposed model, the construct variables
are motivating factors and restricting factors and the dependent
variable is intension to buy online.
An Analysis of Services Provided By the Banks through E-Banking in Rajasthan ...paperpublications3
Abstract: Today, banks seem to be jumping on the bandwagon of Internet banking. Why is there a sudden increase of bank interests in the Internet? The first major reason is because of the improved security and encryption methods developed on the Internet. The second reason is that banks did not want to lose a potential market share to banks that were quick to offer their services on the internet. Another trend in e-banking is a shift of focus of banks from being product-centric to customer-centric. Access to the Internet has put wealth management decisions and demand side technology in customers’ hands, and they can dictate the types of products and services they require, while the internet has enabled banks to deliver desired product/services more quickly.
Effects of Satisfaction and Adoption on Online Bankingijtsrd
Despite the importance of online banking in many financial institutions, less research has focused on satisfaction and adoption, especially in Asia. Due to the introduction of technology, a new phenomenon in the banking sector of Mongolia, and many customers have not yet accepted it, this study was carried out to determine the factors affecting the adoption of online banking services by customers, as well as to examine the relationship between online banking services, satisfaction and adoption, the main tool for collecting data was a questionnaire that was developed on a 5 point Likert scale to be able to collect good quantitative data. In the course of the work, it was found that there was a positive relationship between online banking and satisfaction, which is consistent with the data obtained Al hawari and Ward, 2005 . In the work, it is recommended to pay more attention and focus efforts to individual clients. In addition, online banking service providers should look for indicators of innovative ways to raise awareness of the service through participation in trade organizations, exhibitions, and the introduction of new online banking technologies. Chuluudai Delgerzaya | Anar Badral | Yondon Badarch "Effects of Satisfaction and Adoption on Online Banking" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-1 , December 2019, URL: https://www.ijtsrd.com/papers/ijtsrd29715.pdf Paper URL: https://www.ijtsrd.com/management/management-development/29715/effects-of-satisfaction-and-adoption-on-online-banking/chuluudai-delgerzaya
Benefits and Challenges of Digital Banking among the Elderly in the Bolgatang...ijtsrd
This paper explores the experiences and perceptions of elderly individuals in the Bolgatanga municipality with regards to digital banking. The study employed qualitative research methods such as interviews and focus group discussions to gather data from participants. The collected data was analyzed to identify key themes, including the benefits and challenges of digital banking among the elderly population in the study area. The study found that digital banking can provide a number of benefits for the elderly, including convenience, ease of use, and cost savings. For example, many participants reported that digital banking made it easier for them to check their account balances, pay bills, and transfer money without having to physically visit a bank. Additionally, some participants noted that digital banking helped them to save money on transportation costs to and from the bank. However, the study also identified several challenges faced by the elderly in using digital banking. For instance, many participants expressed a lack of trust in technology, which hindered their adoption of digital banking. Additionally, a significant number of participants reported that they did not have access to digital devices or were not digitally literate enough to use them. Overall, the study found that while digital banking can offer many benefits for the elderly, it is important to address these challenges in order to ensure that they can fully take advantage of its benefits. The study suggests that targeted education and training programs, as well as outreach to the elderly population could be implemented to increase digital literacy and help to overcome mistrust and lack of access to digital devices. In conclusion, this study provides valuable insights into the experiences and perceptions of the elderly population in the Bolgatanga municipality with regard to digital banking. It highlights the importance of addressing the challenges faced by this population in order to ensure that they are able to fully benefit from the convenience and cost savings that digital banking can provide. Dzikunu Andrews Dodzi Kobla | Asanga Arnold Amasiya "Benefits and Challenges of Digital Banking among the Elderly in the Bolgatanga Municipality of the Republic of Ghana" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-3 , June 2023, URL: https://www.ijtsrd.com.com/papers/ijtsrd57383.pdf Paper URL: https://www.ijtsrd.com.com/computer-science/data-processing/57383/benefits-and-challenges-of-digital-banking-among-the-elderly-in-the-bolgatanga-municipality-of-the-republic-of-ghana/dzikunu-andrews-dodzi-kobla
A Study On Customer’s Perception And Satisfaction Towards Electronic Banking ...iosrjce
IOSR Journal of Business and Management (IOSR-JBM) is a double blind peer reviewed International Journal that provides rapid publication (within a month) of articles in all areas of business and managemant and its applications. The journal welcomes publications of high quality papers on theoretical developments and practical applications inbusiness and management. Original research papers, state-of-the-art reviews, and high quality technical notes are invited for publications.
“DIGITAL PAYMENT AND ITS INFLUENCE TO CUSTOMER CONVENIENCE”AJHSSR Journal
ABSTRACT: Digital Payment technologies have transformed the way we perform financial transactions over
the last decade. With the introduction of digital payment system, the landscape of business and consumer
behavior has radically changed. This change has not only given various benefits to business but has also a huge
influence on customer convenience. This research study investigated the perception of customers towards digital
payment as to E-Wallet, Mobile Banking and Debit/Credit card in relation to level of their convenience. This
study utilized a descriptive correlational research design with researcher made questionnaire used in gathering
data and information from the two hundred (200) respondents who were randomly selected from Zambales. The
researchers made use of Analysis of Variance (ANOVA) and Pearson Correlation Coefficient in measuring the
significant differences and relationship of the variables.Analyzed data revealed that the customer respondents
assessed “Strongly Agreed” on E-Wallet and Mobile Banking while “Agreed” on the Debit/Credit Card digital
payment. The customer respondents assessed “Strongly Agreed” on the level of customer convenience. There is
a positive moderate relationship between customer convenience and digital payment of E-wallet, Mobile
Banking and Debit/Credit Card respectively. There is significant difference on the perception towards
dimensions of digital payment as to E-wallet, Mobile Banking and Debit/Credit Card. Based on the results of the
study, the researchers strongly recommends the use of digital payment as a method of payment; conduct a
feasibility study on the attainment of full satisfaction and convenience of the customers; with the present
proliferation of various internet hacking and scam, the digital payment companies are encourage to continuously
provide high level of security to assure customer safety from fraud and deception.
KEY WORDS:digital payment, e-wallet, mobile banking, debit/credit card, customer convenience
A study on banker's perception of electronic bankingRAVICHANDIRANG
Information and communication technologies have changed the working of the banking industry in the last few years. The
transformation is expected to quicken their pace in the coming years. The trend towards electronic delivery of products and
services is dramatically changing in the financial service industry, where the shift is partly as a result of consumer demand
but also a ruthless competitive environment. The present paper is an attempt to understand the use and benefits of e-Banking
from Bankers’ perspectives. This paper is the outcome of an empirical study with the objective of investigating bankers’
views regarding e-banking. It covers bankers’ perspectives on e-banking activities of respondents, impact of e-banking and
promotional measures used by banks to promote e-banking. The customers generally use e-Banking services on persuasion of
bankers. The bankers are convinced that e-banking helps in improving the relationship between bankers and customers and
that it will bring patent improvement in the overall performance of banks. So far as promotional avenues are concerned,
print media is at the top. The sources used from secondary level of data.
Banking system occupies an important place in Indian economy.
It provides various services to its customer. The nature of its services has evolved as the advancement of technology. It has become most challengeable to understand the customer satisfaction with quality of services. The present investigation was planned with the objective to analyse the customer choice towards the services provided by the bank. The research data was collected by the various bank customers for analysing the service quality from the ratings provided by the customer. In this regard, this research paper focuses with a purpose to report the findings of selected banking services which are used by the customers in India.
The Role of Brand Trust Mediates the Effect of Perceived Risk and Brand Image...AJHSSR Journal
ABSTRACT:The development of information technology has changed the business strategy of the business
world including banking by placing information technology as the main element in the process of providing
services. Adoption of digital banking services is very much needed in the banking business due to increasing
digital access, banking business competition is getting tougher with Digital Banks and Fintech (financial
technology). Banking solutions make operational cost efficiencies and implement an integrated cashless society.
BRI's digital sector performance faces challenges from competing banks and rampant digital sector banking
crimes. This study aims to explain the role of brand trust in mediating the effect of perceived risk and brand
image on the intention to use BRI digital banking. The sampling method used is non-probability sampling. The
data collection technique was carried out by filling out a questionnaire. The analysis technique used in this study
is Partial Least Square (PLS). The results of the study show that perceived risk has a negative effect on brand
trust and intention to use digital banking services. This study also shows that brand image has a positive effect
on brand trust and intentions to use digital banking services. This study shows the role of brand trust in a
positive mediating effect of perceived risk and brand image on the intention to use digital banking services.
KEYWORDS : brand trust, perceived risk, brand image, intention to use digital banking
MODERN BANKING SERVICES IN RURAL AREA - AWARENESS AND ADOPTION LEVELIAEME Publication
The adoption of information and communication technology by the banks has altered how banking is conducted globally. New private sector and international banks started these developments in India so they could reach a larger customer base because they only had a small number of branches. However, the public sector and the older private sector, which up until a few years ago used the traditional banking approach, have also grasped the benefits that can be obtained by integrating technology into their daily operations.
MODERN BANKING SERVICES IN RURAL AREA - AWARENESS AND ADOPTION LEVEL
2088 7284-1-pb
1. The Journal of Nepalese Business Studies A Study on Customer Perception Towards Internet2008
Vol. V No. 1 Dec. ……
A Study on Customer Perception Towards Internet Banking:
Identifying Major Contributing Factors
Divya Singhal and V. Padhmanabhan
Internet banking is becoming is increasingly becoming popular because of convenience and
flexibility. The present paper explores the major factors responsible for internet banking based on
respondents’ perception on various internet applications. It also provides a framework of the factors
which are taken to assess the internet banking perception.
Key words: Internet banking, online, Bank, perception, e-banking
Introduction
Internet banking is the term used for new age banking system. Internet banking is
also called as online banking and it is an outgrowth of PC banking. Internet banking uses
the internet as the delivery channel by which to conduct banking activity, for example,
transferring funds, paying bills, viewing checking and savings account balances, paying
mortgages and purchasing financial instruments and certificates of deposits (Haque et al,
2009). Internet banking is a result of explored possibility to use internet application in one
of the various domains of commerce. It is difficult to infer whether the internet tool has
been applied for convenience of bankers or for the customers’ convenience. But ultimately
it contributes in increasing the efficiency of the banking operation as well providing more
convenience to customers. Without even interacting with the bankers, customers transact
from one corner of the country to another corner.
There are many advantages of online Banking. It is convenient, it isn’t bound by
operational timings, there are no geographical barriers and the services can be offered at a
minuscule cost (IAMAI’s, 2006). Electronic banking has experienced explosive growth and
has transformed traditional practices in banking (Gonzalez et al., 2008).
Private Banks in India were the first to implement internet banking services in the
banking industry. Private Banks, due to late entry into the industry, understood that the
establishing network in remote corners of the country is a very difficult task. It was clear
to them that the only way to stay connected to the customers at any place and at anytime is
through internet applications. They took the internet applications as a weapon of competitive
advantage to corner the great monoliths like State Bank of India, Indian Bank etc. Private
Banks are pioneer in India to explore the versatility of internet applications in delivering
services to customers.
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2. The Journal of Nepalese Business Studies
As per prediction of Broadie et al(2007)the e- banking is leading to a paradigm shift
in marketing practices resulting in high performance in the banking industry. Delivery of
service in banking can be provided efficiently only when the back ground operations are
efficient. An efficient back ground operation can be conducted only when it is integrated by
an electronic system. The components like data, hardware, software, network and people
are the essential elements of the system. Banking customers get satisfied with the system
when it provides them maximum convenience and comfort while transacting with the bank.
Internet enabled electronic system facilitate the operation to fetch these result.
An in-depth analysis would help to understand that internet enabled electronic
bank system differentiates from traditional banking operation through faster delivery of
information from the customer and service provider. Additionally, it has to be noted that the
banking operations does not transfer physical currencies instead it transfer the information
about the value for currencies. I-banks enable transfer of information more swiftly on-
line. (Salawu et.al, 2007). In service organizations like banks, information flows more
than physical items. In the commercial world, especially in most advanced societies today,
money is rather carried in information storage medium such as cheques, credit cards and
electronic means that in its pure cash form. According to christopher et al (2006), E banking
has become an important channel to sell the products and services and is perceived to be
necessity in order to stay profitable in successful.
The perception is the formed as a result of interpreting the experience. There is
a growing interest in understanding the users’ experience (Hiltunen et al., 2002 .); as it is
observed as a larger concept than user satisfaction. From this perspective, assessing the
user experience is essential for many technology products and services (Wilson & Sasse,
2004)
Customers have started perceiving the services of bank through internet as a prime
attractive feature than any other prime product features of the bank. Customers have started
evaluating the banks based on the convenience and comforts it provides to them. Bankers
have started developing various product features and services using internet applications.
Objective
The present study aims to explore the major factors responsible for internet banking
based on respondents’ perception on various internet applications.
Study also tries to examine whether there is any relation with the demographic
variable (e.g. gender) and respondents’ perception about internet banking; and, whether the
user and non-user perception differs.
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3. A Study on Customer Perception Towards Internet ……
Methodology
The study employs primary data as well as secondary data. Secondary data was
collected from different published sources. Primary data was collected by structured survey.
The survey was created online and link sent to the respondents from India using convenience
sampling. The respondents, who were approached through email, were 80. Of these, 61
responses were received, giving a response rate of 76.0 percent.
In the questionnaire, various internet banking applications were included from
previous research. Later, structured questionnaire containing 32 items was developed (18 for
general perception and 15 for internet banking features) for the purpose of data collection.
All items were measured by responses on a five-point Likert scale in agreement/ relevance
with statements, ranging from 1= Strongly Disagree/ Completely Irrelevant to 5= Strongly
Agree/ Completely Relevant. The analysis of primary data was carried out using Statistical
Package for the Social Sciences (SPSS) 16.0 for windows.
Sample Profile
From the total respondents’ 64% were males and 36% were females.
G ender
36%
64%
Male Female
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4. The Journal of Nepalese Business Studies
The chart below depicts the respondents classification based on user and non user criteria. Out
of total respondents’ 44 respondents were internet banking users’ and 14 were non users.
U s er-N onus er
28%
72%
User Non user
Most of the respondents belongs to the age group of 24-30, while 18-23 and 31-39 age group
respondents were almost equal in number.
Oc c upation wis e dis tribution
3%
18%
2%
77%
Proseesional Self Employed Student Homemaker
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5. A Study on Customer Perception Towards Internet ……
Out of total respondents’ 77% were professional and 18% respondents were studying.
Age
35
30
25
20
15
10
5
0
18-23 24-30 31-39 Aove 40
A ge of R e sponde nts'
Framework of the factors
As mentioned that survey focuses on the finding the customers’ perception on various
internet application related with internet banking. Various factors which contribute to the
customers’ perception such as convenience, flexible virtual banking system, reliability, time
factor, real time access to information, saving transaction cost, on-line bill payments, digital
signature for security, faster transfer, easy to use, user friendly, low transaction fees, any
time and anywhere banking facility, access to current and historical transaction data, facility
of fund transfer to third party are taken for this study. These factors came from different
studies.
The Framework of the factors which are taken to assess the perception is as follows:
1. Convenience way of operating banking transactions: Online banking is a highly
profitable channel for financial institutions. It provides customers convenience
and flexibility and can be provided at a lower cost than traditional branch banking
(Williamson, 2006). The convenience of online banking is helping people gain greater
control of their finances and contributing to changing patterns in cash withdrawal
and day to day money management. (Beer, 2006)
2. Flexible virtual banking system: Financial institutions have spent a great deal of time
and money developing online banking functionality to allow customers an easy and
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convenient way to manage their money (Williamson, 2006). A customer can check
balance by logging into banks website through a user name and password. In this
way he can enquire balance, status of cheques, perform funds transfers, order drafts,
request issue of cheque books etc ( Srivastava,2008)
3. Reliability: Jun and cai (2001) identified one of the very important service quality
dimensions of i-banking service quality is reliability. The online banking environment
has grown tremendously over the past several years and will continue to grow as
financial institutions continue to strive to allow customers to complete money transfers,
pay bills, and access critical information online. During this same time, online banking
has been plagued by Internet criminals and fraudsters attempting to steal customer
information. Phishing, pharming, and other types of attacks have become well known
and are widely used as a means for fraudsters to obtain information from customers
and access online banking accounts. As a result, authenticating customers logging
onto their online banking service has become a crucial concern of financial institutions
(Gregory D. Williamson, 2006)
4. Time factor: Liu and Arnett in their study identified time factor as one of the prime
factor that in Internet banking service quality feature for the customers. Saving time is
an importance factor which influences the customers prefers to use i-banking. (Beer,
2006 ). Banks can make the information of products and services available on their
site, which is, an advantageous proposition. Prospective customer can gather all the
information from the website and thus if he comes to the branch with queries it will
be very specific and will take less time of employee (Srivastava, 2006).
5. Real time access to information: The banks started i-banking initially with simple
functions such as real time access to information about interest rates, checking account
balances and computing loan eligibility. Then, the services are extended to online
bill payment, transfer of funds between accounts and cash management services for
corporate. (Sadique et al, 2009)
6. Saving transaction cost: Improving customer service, increasing market reach and
reducing costs are now basic expectations of Internet banking services. If consumers
are to use new technologies, the technologies must be reasonably priced relative to
alternatives. Otherwise, the acceptance of the new technology may not be viable from
the standpoint of the consumer (Suganthi et. al, 2001). Internet banking model offers
advantages for both banks and customers. The Internet provides the banks with the
ability to deliver products and services to customers at a cost that is lower than any
existing mode of delivery.
7. On-line bill payments: The most popular online transaction through internet banking
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7. A Study on Customer Perception Towards Internet ……
is funds transfer/bill payment (Beer, 2006). Of the twenty-two million users in US,
twenty percent or 4.6 million people regularly used online bill payment services
offered by the top ten financial institutions. This report also highlighted that the
usage of online bill payment services increased by thirty-seven percent at the end of
the first quarter 2004 (Strasburg, 2005).
8. Digital signature for security: In a survey conducted by the Online Banking
Association, member institutions rated security as the most important issue of online
banking. There is a dual requirement to protect customers’ privacy and protect against
fraud (Mishra). Digital signature is a precautionary measure to prevent malpractices
and tampering the information. It is a form of enhanced authentication (Williamson,
2006). Nearly one in 5 customers were victims of identity theft and fraud (TriCipher,
2007)
9. Faster transfer: Another important factor that contributes the framework of the
perception is the faster transfer of fund. The fundamental advantage of the internet
banking is the transfer of the information about the money’s worth to any place at
any time with a mouse click’s distance.
10. Easy to use and user friendliness: Ease of use is another important determinant for
the customer preferring the internet banking (Beer, 2006). In a study conducted by
Cooper (1997); reported that ease of use of innovative product or service as one of
the three important characteristics for adoption from the customer’s perspective. The
user friendliness of domain names as well as the navigation tools available in the
web-sites is an important determinant for ease of use. The design of the web-sites
with appropriate use of graphical user interface is also considered as an important
determinant. (Cooper, 1997) It is also worth noting that proper navigation attributes
and search facility will also certainly be helpful to consumers when they surf the
Internet. In addition, the level of interactivity of the site will certainly have an effect
on the consumers’ perception of the user friendliness of the Internet (Suganthi et. al,
2001)
11. Low transaction fees: Another factor that would stand in the way of consumer adoption
of Internet banking is the cost factor. In Internet banking, two types of costs are
involved. First, the normal costs associated with Internet access fees and connection
charges and secondly the bank fees and charges (Suganthi et. al, 2001). These two
types of costs shape the perception of the customers.
12. Any time and anywhere banking facility: Online banking users say that convenience
is the most important factor, online banking lets them access their accounts from
anywhere and at any time (IAMAI’s, 2006)
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13. Access to current and historical transaction data: According to IAMAI report’s – online
banking ‘2006’, customers prefer to view account balances, transaction history and
updates get e-statements, credit card and debit card transaction history and updates,
checking the status of their credit card accounts, viewing information regarding their
demat account, information on their fixed deposits.
14. Facility of fund transfer to third party: According to IAMAI report’s – online banking
2006, majority of the customers prefer on-line banking channels to transfer funds to
third party.
15. Queue management: One among the important dimensions of e-banking service
quality is queue management (Joseph et al.. 1999).
Data Analysis and Results
Factor Analysis was performed with 15 statements related with internet banking
features. The Kaiser-Meyar-Olkin(KMO) for was .658 and significant Barlett’s Test of
Sphericity supported the use of factor analysis in order to extract independent variables
associated with the internet baking. The degree of common variance among the fifteen
variables is “mediocre” which reflects if a factor analysis is conducted, the factors extracted
will account for fare amount of variance but not a substantial amount.
An exploratory principal component factor analysis was done using SPSS 16.0.
Varimax rotation was used to identify the underlying factors for internet banking features.
Items with eigen values greater than one were extracted and all factor loading greater than
0.5 were retained. Fifteen items yielded 5 factors explaining 74.10 percent of variance as
shown in table 1.
Table-1: Rotated Component Matrix
Factors Items Factor Variance Reliability
Loadings Explained (Cronbach’s Alpha)
1. Utility request
18.848 .799 / .801
2. Security
15.850 .846
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9. A Study on Customer Perception Towards Internet ……
3. Utility Transac-
tion
15.055 .786
4. Ticket booking
14.205 .920
5. Fund Transfer
15.850 .570
74.105
The major five independent set of factors associated with the internet banking
features are extracted from the factor analysis and explained in brief:
Utility Request: Three out of four items loadings on this factor relate to ‘utility request’
dimension of internet banking. The respondents felt that these requests through online
banking are important ones.
Security: security as the most important issue of online banking. The items loadings on this
factor relate to security aspect.
Utility Transaction: Past researches indicates that online bill payment service is very
important feature of online banking and people are effectively using this service. Researches
also indicate that users for bill payments are increasing. People are also making online
deposits and account opening through this.
Ticket Booking: Ticket booking is another important feature of internet banking. Now, people
need not visit booking reservation centers any more, they can buy air and train tickets online
using Internet Banking Facility.
Fund Transfer: Fund transfer and account statement is clubbed together as one factor and
they are explaining 15.85 percent of variance.
General perception about internet banking was gauged by 18 items. Out of
which seven items were related with convenience and flexibility and 8 items were related
with transaction related benefits. All items were measured on a scale of 1to 5. From the
questionnaire convenience and flexibility related items clubbed together and average score
taken to gauge the respondents’ perception about convenience factor. Out of total respondents
81 % respondents felt that internet banking is very convenient and flexible banking. And
same percentage i.e. 81% from total users agrees or strongly agrees that internet banking is
convenient. They felt that it gives benefits like no queuing in bank and one can do anytime
and anywhere banking. Approx 69 percent of total respondent agreed that internet banking
has transaction related benefits. These benefits include efficient and speedy transfer of funds
with lower transaction cost. And, with internet banking one can check transaction details
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10. The Journal of Nepalese Business Studies
regularly without any hassle.
Factors Items Cronbach Alpha
Convenient and • Convenient way of operating banking 0.760
transactions
flexibility • A very flexible virtual banking system
• Saves time as compared to conventional bank-
ing
• No queuing in bank branches
• Easy to use
• User friendly
• Anytime and anywhere banking facility
Transaction re- • Saves a lot transaction cost 0.819
• Transaction is efficient
lated benefits • It has lower transaction fees
• It allows speedy transfer
• It allows easy access to transaction data
both recent and historical
• I can check my transaction details and
statement regularly
• It gives facility of fund transfer to third
party
When asked ‘Digital signature is best way to have security’, 36% of total respondents
agrees while only 22% strongly agrees with this. However, 63% of internet banking users
either agrees or strongly agrees that digital signature is best way to have security. Out of total
Male respondents 64% while 50% of total female respondents either agrees or strongly agrees
that digital security is best way to have security and When asked that internet banking is most
reliable only 9 % users strongly agrees with this and 26% users agrees with the statement.
Out of total respondents only 11 % strongly agrees about the reliability of internet banking.
ANOVA results for assessing perception about internet banking with age and gender showed
no difference.
Limitations and Future Research
Although this research is primarily based on the primary data from the users and non
users of Internet banking, the findings cannot be generalized, as the research is based on non
probability sampling. This study has successfully examined the major factors responsible for
internet banking based on respondents’ perception on various internet applications; future
research may include examining the factors importance. Future research may also consider
the impact of other demographic variable like education.
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Conclusions
Thus, the analysis done with the help of statistical tools clearly indicate the factors
responsible for internet banking. Factor analysis results indicate that ‘utility request’,
‘security’, ‘utility transaction’, ‘ticket booking’ and ‘fund transfer’ are major factors. Out
of total respondents’ more than 50 % agreed that internet banking is convenient and flexible
ways of banking and it also have various transaction related benefits. Thus, Providing
Internet banking is increasingly becoming a “need to have” than a “nice to have” service.
(http://www.banknetindia.com)
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