This document summarizes a study on bankers' perceptions of electronic banking in India. The study had the following objectives: 1) To understand bankers' views on e-banking activities, 2) To analyze the impact of e-banking on banks, 3) To examine promotional measures used to promote e-banking, and 4) To assess bankers' views on how e-banking impacts relationships with customers and bank performance. The study reviewed previous literature which found that education, age, and gender influence e-banking adoption. It then described the research methodology which included collecting primary and secondary data from 220 bankers across public and private sector banks in India through questionnaires.
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 Study On Customer Perception Towards Internet Banking In Kadi Area Bhavik Parmar
This document summarizes a study on customer perception of internet banking in Kadi, India. The study collected data through questionnaires from 150 respondents, including both internet banking users and non-users. Key findings include: (1) 43% of respondents use internet banking, while 57% do not; (2) the most preferred method for transactions is cash, followed by checks and debit/credit cards, with internet banking least preferred; (3) convenience is the most important reason for opening an internet banking account. The study uses statistical analysis like chi-square to understand the relationship between internet banking usage and demographic factors.
An analysis of mobile banking acceptance by pakistani customersAlexander Decker
This document analyzes factors affecting the acceptance of mobile banking by customers in Pakistan. It discusses a study conducted on 200 account holders at MCB Bank in Pakistan to analyze how variables like speed, self-efficacy, mobility access, advertising, and quality of service influence users' perceptions and intentions to use mobile banking. The study uses the Technology Acceptance Model (TAM) as its theoretical framework. The results found that these context-specific variables as well as perceived usefulness and perceived ease of use significantly impacted users' intentions to adopt mobile banking according to the TAM model. The document also provides background on the growth of mobile technology and banking in Pakistan to contextualize the study.
This document summarizes a research paper on perceptions of UK customers toward internet banking. The paper was published in the Journal of Internet Banking and Commerce in April 2015. It conducted a study using a sample of 100 UK banking customers to evaluate perceptions on dimensions like security, privacy, convenience and time savings. The study found that customers generally perceive internet banking as reliable and secure, though some older respondents were less comfortable with it and had higher security concerns. The research aims to provide implications for attracting more online customers by enhancing security and privacy measures.
Problems encountered in e-banking in selected bank in Quezon CityLily Monilla
This document discusses electronic banking (e-banking) in the Philippines, including its history and development. It provides background on the introduction of ATMs and more recent innovations like internet and mobile banking. It then discusses some challenges faced by e-banking, including security issues. The document outlines a study that aims to determine problems encountered with e-banking in selected banks in Quezon City. It discusses the study's scope, significance and definitions of key terms.
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.
11.problems and prospects of mobile banking in bangladeshAlexander Decker
This document summarizes research on mobile banking in Bangladesh and around the world. It discusses the problems and prospects of mobile banking in Bangladesh, including findings that 61% of respondents felt it saves time compared to traditional banking. It also reviews literature on mobile banking adoption factors, security issues, regulations, and the growth of mobile banking globally as a way to provide financial access. Key factors influencing mobile banking use and adoption are discussed, such as perceived usefulness, ease of use, costs, trust and technical barriers.
This study examined customers' usage of digital banking in Gobichettipalayam, Erode District, Tamil Nadu. A survey was conducted of 100 banking customers to understand their perceptions and factors influencing adoption of digital banking. Results showed that income, education, and age significantly impacted digital banking usage. Customers were motivated by the convenience of 24/7 access, time savings, and ease of use. However, some concerns around security of personal information and safe transactions remained. Overall, customers seemed to be adapting to digital banking despite challenges, with convenience factors being key drivers of popularity and satisfaction.
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 Study On Customer Perception Towards Internet Banking In Kadi Area Bhavik Parmar
This document summarizes a study on customer perception of internet banking in Kadi, India. The study collected data through questionnaires from 150 respondents, including both internet banking users and non-users. Key findings include: (1) 43% of respondents use internet banking, while 57% do not; (2) the most preferred method for transactions is cash, followed by checks and debit/credit cards, with internet banking least preferred; (3) convenience is the most important reason for opening an internet banking account. The study uses statistical analysis like chi-square to understand the relationship between internet banking usage and demographic factors.
An analysis of mobile banking acceptance by pakistani customersAlexander Decker
This document analyzes factors affecting the acceptance of mobile banking by customers in Pakistan. It discusses a study conducted on 200 account holders at MCB Bank in Pakistan to analyze how variables like speed, self-efficacy, mobility access, advertising, and quality of service influence users' perceptions and intentions to use mobile banking. The study uses the Technology Acceptance Model (TAM) as its theoretical framework. The results found that these context-specific variables as well as perceived usefulness and perceived ease of use significantly impacted users' intentions to adopt mobile banking according to the TAM model. The document also provides background on the growth of mobile technology and banking in Pakistan to contextualize the study.
This document summarizes a research paper on perceptions of UK customers toward internet banking. The paper was published in the Journal of Internet Banking and Commerce in April 2015. It conducted a study using a sample of 100 UK banking customers to evaluate perceptions on dimensions like security, privacy, convenience and time savings. The study found that customers generally perceive internet banking as reliable and secure, though some older respondents were less comfortable with it and had higher security concerns. The research aims to provide implications for attracting more online customers by enhancing security and privacy measures.
Problems encountered in e-banking in selected bank in Quezon CityLily Monilla
This document discusses electronic banking (e-banking) in the Philippines, including its history and development. It provides background on the introduction of ATMs and more recent innovations like internet and mobile banking. It then discusses some challenges faced by e-banking, including security issues. The document outlines a study that aims to determine problems encountered with e-banking in selected banks in Quezon City. It discusses the study's scope, significance and definitions of key terms.
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.
11.problems and prospects of mobile banking in bangladeshAlexander Decker
This document summarizes research on mobile banking in Bangladesh and around the world. It discusses the problems and prospects of mobile banking in Bangladesh, including findings that 61% of respondents felt it saves time compared to traditional banking. It also reviews literature on mobile banking adoption factors, security issues, regulations, and the growth of mobile banking globally as a way to provide financial access. Key factors influencing mobile banking use and adoption are discussed, such as perceived usefulness, ease of use, costs, trust and technical barriers.
This study examined customers' usage of digital banking in Gobichettipalayam, Erode District, Tamil Nadu. A survey was conducted of 100 banking customers to understand their perceptions and factors influencing adoption of digital banking. Results showed that income, education, and age significantly impacted digital banking usage. Customers were motivated by the convenience of 24/7 access, time savings, and ease of use. However, some concerns around security of personal information and safe transactions remained. Overall, customers seemed to be adapting to digital banking despite challenges, with convenience factors being key drivers of popularity and satisfaction.
This document summarizes a research paper that investigates the problems and opportunities of electronic banking in Sudan. The paper begins with an introduction that defines electronic banking and outlines its benefits. It then reviews previous literature on the topic, particularly as it relates to developing countries and the Arab world. The paper discusses the current state of information and communication technology infrastructure in Sudan and identifies deficiencies in areas like skilled human resources, security, and infrastructure that constrain electronic banking. It concludes that while Sudan has made some progress with laws and regulations, many challenges remain that limit the applicability of electronic banking.
empirical analysis on internet banking adoption in manilaAnthny Garc
This document discusses internet banking adoption in the Philippines. It provides background on the evolution of internet banking and reviews previous studies showing benefits for both banks and customers. Key factors influencing adoption are discussed, such as lack of internet access and security concerns. The Philippines banking system and history of electronic banking are overviewed. Challenges to widespread adoption in the Philippines include low internet penetration, with most users in urban areas.
The document analyzes e-banking services provided by nationalized banks in India. It provides an overview of concepts like ATM, net banking and mobile banking. It also presents results of a comparative study of 5 nationalized banks in the Satara region of India from 2008-2011. The study found that Bank of Maharashtra had the largest branch network and highest number of ATM and net banking users, indicating it had the most developed e-banking services compared to other banks in the region like Central Bank of India and Union Bank of India.
11.bankers perceptions of electronic banking in nigeriaAlexander Decker
This document summarizes a research journal article about bankers' perceptions of electronic banking in Nigeria following the consolidation of Nigerian banks. The article reviews literature on electronic banking and examines bankers' attitudes and perceptions. It finds that bankers perceive benefits like reducing transaction costs and saving customer time, but also risks like increased fraud potential and lack of security. The consolidation era saw growth in electronic banking adoption. The study aims to understand bankers' views of electronic banking's benefits and risks, and Nigeria's transition to a less cash-based economy through increased digital payment options.
Bankers perceptions of electronic banking in nigeriaAlexander Decker
This document summarizes a research journal article about bankers' perceptions of electronic banking in Nigeria following the consolidation of Nigerian banks. The article reviews literature on electronic banking and examines bankers' attitudes and perceptions. It finds that bankers perceive benefits like reducing transaction costs and saving customer time, but also risks like increased fraud potential and lack of security. The consolidation era saw growth in electronic banking adoption. The study aims to understand bankers' views of electronic banking's benefits and risks, and Nigeria's transition to a less cash-based economy through increased digital payment options.
THE INFLUENCE OF MOBILE BANKING SERVICES ON CUSTOMER SATISFACTIONNzabirinda Etienne
This document discusses a study on the influence of mobile banking services on customer satisfaction. It provides background on the shift from traditional to digital banking and the growth of mobile banking. The study aims to analyze customer perceptions of mobile banking services and satisfaction at a bank in Rwanda. A literature review covers concepts of mobile banking services and customer satisfaction. The methodology included a survey of 61 bank customers to assess flexibility, credibility, accessibility, privacy and customer loyalty, commitment, trust and retention. The results showed positive customer perceptions of mobile banking services and satisfaction. A relationship was found between mobile banking services and customer satisfaction.
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
This document summarizes a study that analyzed factors influencing the use of e-money in Indonesia. The study examined how perceived usefulness, perceived ease of use, subjective norm, technological innovativeness, and perceived credibility impact e-money usage. A literature review covered relevant theories and prior studies. Hypotheses were developed that perceived usefulness, ease of use, technological innovativeness, and credibility would positively influence e-money use, while subjective norm would negatively influence it. Data was collected through surveys in Semarang, Indonesia and analyzed using regression. The study found perceived credibility significantly impacts e-money use but the other factors do not.
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.
Effect of Electronic Banking on Financial Performance of Deposit Taking Micro...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
Impact of Information Technology on Performance of Banks in NigeriaAJHSSR Journal
Over the last two decades, the Nigerian banking sector has witnessed some upsurge in the use
of technology for service delivery. However, concerns have been expressed as to whether cost and other
challenges of adopting information technology can be justified by performance. Accordingly, this study sought
to examine the relationship between different e-banking channels and the profitability of organisations in
Nigeria. Four e-banking channels,(automatic teller machines, point of sales, internet banking transactions and
electronic mobile banking) were identified and regressed against return on equity (ROE) of Deposit Money
Banks operating in Nigeria between 2006 and 2016. A panel data regression model was formulated and tested
using the generalized method of moment approach. The result revealed that the overall impact of electronic
banking on profitability of Deposit Money Banks operating in Nigeria was significant and positive. The study
recommends that critical stakeholders and beneficiaries of electronic banking – the government, regulatory
authorities and the banks should collaborate to put in place an enabling operating environment and an effective
regulatory framework to bring about optimal deployment of these services to customers
Effect of Mobile Banking on Customer Satisfaction in Selected Banks in Trans-...paperpublications3
Abstract: The purpose of the study was to investigate the effect of mobile banking on customer satisfaction in selected banks in Trans-Nzoia County. The study was guided by the following objectives: -to establish the effect of reliability of mobile banking on customer satisfaction, to determine the effect of responsiveness of mobile banking on customer satisfaction , and to evaluate the effect of accessibility of mobile banking services on customer satisfaction in Trans-Nzoia County. A descriptive survey research design was adopted. The target population was ten selected banks in Trans-Nzoia County. The study was guided by the; innovation diffusion theory, technology acceptance model (TAM), and theory of reasoned action (TRA). The study adopted the descriptive survey research design with the target population being the selected commercial banks personnel in Trans Nzoia County, totaling to 41 respondents. Census method was adopted since the target population was less than the minimum a hundred for sampling to be used for research. A structured questionnaire was used as a data collection instrument that was designed in a Likert scale format. Data analysis was carried out by use of regression and ANOVA using the Statistical Package for Social Sciences (SPSS) version 23 in order to statistically produce the relationship between the independent variables and dependent variable. From the findings, the researcher concluded that the regression effect was statistically significant indicating a reliable prediction of the dependent variable. The F calculated (F =39.96) greater than 5% level of significance thereby showing that the model was significant where the independent variables explained 85% of the mobile banking customer satisfaction. The study was significant to the banking sector since mobile banking is a phenomenon that has taken off and can’t be washed away.
Impacts of Information Technology on Banking Industry A Case Study of Akure B...ijtsrd
As information technology is the modern trend on banking today, its very imperative for banks to access its impact operational performance so as to justify if the capital invested on it is Justifiable or not, analyze their problem and profit possible solutions. The objective of this research is to examine how the adoption of information technology affects the operations of commercial banks and the impact of information technology on banks and customer relationship. The main research instruments used are questionnaire from staffs and customers of the bank,156 questionnaire were distributed and 150 questionnaire were administered. The simple frequency percentage was adopted as the statistical measure and hypothesis testing was analyzed using chi square statistical tool, at 0.05 level of significance to show whether they should be upheld or rejected. The results of this research affirmed that there is significant relationship between management disposition and the utilization of information technology by banks in Nigeria. In conclusion, the study reward that information technology has tremendously improved growth and performance of the Nigeria commercial banks. Information technology has lead to increase customer satisfaction, improved operational efficiency, reduced transaction time, and gives the bank a competitive edge. The study recommends that every bank in Nigeria should not only invest heavily on IT especially the point of sales POS , but should distribute same to business outlets where business owners and customers will have access to smooth and hassle free transactions. It is therefore necessary for the government to emphasize the need for more policies that will boost the efficiency in utilization of IT equipment by reducing the cost of acquiring them so as to reduce cost and boost the growth of the economy. Consequently, it is hereby suggested that further studies be carried out on the impact of Information Technology on development finance institutions. Olaitan S. K | Arijeniwa O. C "Impacts of Information Technology on Banking Industry (A Case Study of Akure Bank Area)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45242.pdf Paper URL: https://www.ijtsrd.com/management/management-development/45242/impacts-of-information-technology-on-banking-industry-a-case-study-of-akure-bank-area/olaitan-s-k
The Impact of Customers Perception on Cost of Internet Banking on Its Usage i...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers have perception that have an effect on usage of internet banking, Customer still feel that internet access fees and internet banking transaction charges are high. Costly internet access and unreasonable pricing of internet banking transactions, hinders usage of the internet and by extension technological solutions offered by commercial banks such as internet banking. Commercial banks can relook into the issue of subsidizing the monthly internet banking maintenance fee so as to attract more users and continued usage.
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.
Customers Perception on Prior Knowledge of Technology and Its Effect on Usage...paperpublications3
This document summarizes a research study that investigated the effect of customers' perceptions on the usage of internet banking in commercial banks in Kenya. Specifically, it examined how prior knowledge of technology affects use of internet banking. The study used a descriptive research design and surveyed 272 customers across 12 commercial banks in Nairobi County. The findings showed that customers' perceptions, including their level of prior technological knowledge, influenced their use of internet banking. Those with less knowledge and experience using computers and the internet were less likely to use internet banking services. The study concluded that customers' perceptions, particularly regarding their familiarity with technology, have an impact on the adoption and continued use of internet banking.
India is a fast becoming country of mobile and internet. Government of India initiative such as “Digital India”, in future our country will become cashless economy. Due to advancement of technology, man becomes more convenient and comfortable. Mobile Wallet is a platform for making payment through mobile. There are various
applications available like google pay, paytm citrus, etc. by using of such platforms payment can become more easy for online shopping, money transfer, utility bill payment, etc. Through mobile payment is very convenient and more secure to the public. Here, is an attempt to make a study on how the mobile wallet used by the consumers and their perception and satisfaction level towards using of such m-wallet payment gateways.
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.
This document provides a summary of a research paper that compares the public and private life insurance companies in India. It begins with an abstract that outlines the objectives of comparing customer perceptions of service quality and analyzing the financial performance of public versus private insurers. The introduction provides background on the growth of the insurance sector in India. It then examines the performance of the public insurer LIC and private insurers based on financial ratios like liquidity, solvency, and leverage. The study found that LIC has stronger financial performance and stability compared to private insurers.
Οι υπηρεσίες γαμήλιας δεξίωσης της EKDILOSIS event production δημιουργήθηκαν για να εξυπηρετήσουν κάθε ιδιαίτερη ανάγκη και επιθυμίας σας σε μια διοργάνωση δεξίωσης γάμου με κατάλληλες προτάσεις και προϊόντα,έχοντας πάντα την υποστήριξη εξειδικευμένου προσωπικού,επιτυγχάνοντας ένα αποτέλεσμα άψογο αισθητικά αλλά και μία ολοκληρωμένη παροχή γαμήλιας εκδήλωσης που ξεχωρίζει για τις δυνατότητες της.
This document summarizes a research paper that investigates the problems and opportunities of electronic banking in Sudan. The paper begins with an introduction that defines electronic banking and outlines its benefits. It then reviews previous literature on the topic, particularly as it relates to developing countries and the Arab world. The paper discusses the current state of information and communication technology infrastructure in Sudan and identifies deficiencies in areas like skilled human resources, security, and infrastructure that constrain electronic banking. It concludes that while Sudan has made some progress with laws and regulations, many challenges remain that limit the applicability of electronic banking.
empirical analysis on internet banking adoption in manilaAnthny Garc
This document discusses internet banking adoption in the Philippines. It provides background on the evolution of internet banking and reviews previous studies showing benefits for both banks and customers. Key factors influencing adoption are discussed, such as lack of internet access and security concerns. The Philippines banking system and history of electronic banking are overviewed. Challenges to widespread adoption in the Philippines include low internet penetration, with most users in urban areas.
The document analyzes e-banking services provided by nationalized banks in India. It provides an overview of concepts like ATM, net banking and mobile banking. It also presents results of a comparative study of 5 nationalized banks in the Satara region of India from 2008-2011. The study found that Bank of Maharashtra had the largest branch network and highest number of ATM and net banking users, indicating it had the most developed e-banking services compared to other banks in the region like Central Bank of India and Union Bank of India.
11.bankers perceptions of electronic banking in nigeriaAlexander Decker
This document summarizes a research journal article about bankers' perceptions of electronic banking in Nigeria following the consolidation of Nigerian banks. The article reviews literature on electronic banking and examines bankers' attitudes and perceptions. It finds that bankers perceive benefits like reducing transaction costs and saving customer time, but also risks like increased fraud potential and lack of security. The consolidation era saw growth in electronic banking adoption. The study aims to understand bankers' views of electronic banking's benefits and risks, and Nigeria's transition to a less cash-based economy through increased digital payment options.
Bankers perceptions of electronic banking in nigeriaAlexander Decker
This document summarizes a research journal article about bankers' perceptions of electronic banking in Nigeria following the consolidation of Nigerian banks. The article reviews literature on electronic banking and examines bankers' attitudes and perceptions. It finds that bankers perceive benefits like reducing transaction costs and saving customer time, but also risks like increased fraud potential and lack of security. The consolidation era saw growth in electronic banking adoption. The study aims to understand bankers' views of electronic banking's benefits and risks, and Nigeria's transition to a less cash-based economy through increased digital payment options.
THE INFLUENCE OF MOBILE BANKING SERVICES ON CUSTOMER SATISFACTIONNzabirinda Etienne
This document discusses a study on the influence of mobile banking services on customer satisfaction. It provides background on the shift from traditional to digital banking and the growth of mobile banking. The study aims to analyze customer perceptions of mobile banking services and satisfaction at a bank in Rwanda. A literature review covers concepts of mobile banking services and customer satisfaction. The methodology included a survey of 61 bank customers to assess flexibility, credibility, accessibility, privacy and customer loyalty, commitment, trust and retention. The results showed positive customer perceptions of mobile banking services and satisfaction. A relationship was found between mobile banking services and customer satisfaction.
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
This document summarizes a study that analyzed factors influencing the use of e-money in Indonesia. The study examined how perceived usefulness, perceived ease of use, subjective norm, technological innovativeness, and perceived credibility impact e-money usage. A literature review covered relevant theories and prior studies. Hypotheses were developed that perceived usefulness, ease of use, technological innovativeness, and credibility would positively influence e-money use, while subjective norm would negatively influence it. Data was collected through surveys in Semarang, Indonesia and analyzed using regression. The study found perceived credibility significantly impacts e-money use but the other factors do not.
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.
Effect of Electronic Banking on Financial Performance of Deposit Taking Micro...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
Impact of Information Technology on Performance of Banks in NigeriaAJHSSR Journal
Over the last two decades, the Nigerian banking sector has witnessed some upsurge in the use
of technology for service delivery. However, concerns have been expressed as to whether cost and other
challenges of adopting information technology can be justified by performance. Accordingly, this study sought
to examine the relationship between different e-banking channels and the profitability of organisations in
Nigeria. Four e-banking channels,(automatic teller machines, point of sales, internet banking transactions and
electronic mobile banking) were identified and regressed against return on equity (ROE) of Deposit Money
Banks operating in Nigeria between 2006 and 2016. A panel data regression model was formulated and tested
using the generalized method of moment approach. The result revealed that the overall impact of electronic
banking on profitability of Deposit Money Banks operating in Nigeria was significant and positive. The study
recommends that critical stakeholders and beneficiaries of electronic banking – the government, regulatory
authorities and the banks should collaborate to put in place an enabling operating environment and an effective
regulatory framework to bring about optimal deployment of these services to customers
Effect of Mobile Banking on Customer Satisfaction in Selected Banks in Trans-...paperpublications3
Abstract: The purpose of the study was to investigate the effect of mobile banking on customer satisfaction in selected banks in Trans-Nzoia County. The study was guided by the following objectives: -to establish the effect of reliability of mobile banking on customer satisfaction, to determine the effect of responsiveness of mobile banking on customer satisfaction , and to evaluate the effect of accessibility of mobile banking services on customer satisfaction in Trans-Nzoia County. A descriptive survey research design was adopted. The target population was ten selected banks in Trans-Nzoia County. The study was guided by the; innovation diffusion theory, technology acceptance model (TAM), and theory of reasoned action (TRA). The study adopted the descriptive survey research design with the target population being the selected commercial banks personnel in Trans Nzoia County, totaling to 41 respondents. Census method was adopted since the target population was less than the minimum a hundred for sampling to be used for research. A structured questionnaire was used as a data collection instrument that was designed in a Likert scale format. Data analysis was carried out by use of regression and ANOVA using the Statistical Package for Social Sciences (SPSS) version 23 in order to statistically produce the relationship between the independent variables and dependent variable. From the findings, the researcher concluded that the regression effect was statistically significant indicating a reliable prediction of the dependent variable. The F calculated (F =39.96) greater than 5% level of significance thereby showing that the model was significant where the independent variables explained 85% of the mobile banking customer satisfaction. The study was significant to the banking sector since mobile banking is a phenomenon that has taken off and can’t be washed away.
Impacts of Information Technology on Banking Industry A Case Study of Akure B...ijtsrd
As information technology is the modern trend on banking today, its very imperative for banks to access its impact operational performance so as to justify if the capital invested on it is Justifiable or not, analyze their problem and profit possible solutions. The objective of this research is to examine how the adoption of information technology affects the operations of commercial banks and the impact of information technology on banks and customer relationship. The main research instruments used are questionnaire from staffs and customers of the bank,156 questionnaire were distributed and 150 questionnaire were administered. The simple frequency percentage was adopted as the statistical measure and hypothesis testing was analyzed using chi square statistical tool, at 0.05 level of significance to show whether they should be upheld or rejected. The results of this research affirmed that there is significant relationship between management disposition and the utilization of information technology by banks in Nigeria. In conclusion, the study reward that information technology has tremendously improved growth and performance of the Nigeria commercial banks. Information technology has lead to increase customer satisfaction, improved operational efficiency, reduced transaction time, and gives the bank a competitive edge. The study recommends that every bank in Nigeria should not only invest heavily on IT especially the point of sales POS , but should distribute same to business outlets where business owners and customers will have access to smooth and hassle free transactions. It is therefore necessary for the government to emphasize the need for more policies that will boost the efficiency in utilization of IT equipment by reducing the cost of acquiring them so as to reduce cost and boost the growth of the economy. Consequently, it is hereby suggested that further studies be carried out on the impact of Information Technology on development finance institutions. Olaitan S. K | Arijeniwa O. C "Impacts of Information Technology on Banking Industry (A Case Study of Akure Bank Area)" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45242.pdf Paper URL: https://www.ijtsrd.com/management/management-development/45242/impacts-of-information-technology-on-banking-industry-a-case-study-of-akure-bank-area/olaitan-s-k
The Impact of Customers Perception on Cost of Internet Banking on Its Usage i...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers have perception that have an effect on usage of internet banking, Customer still feel that internet access fees and internet banking transaction charges are high. Costly internet access and unreasonable pricing of internet banking transactions, hinders usage of the internet and by extension technological solutions offered by commercial banks such as internet banking. Commercial banks can relook into the issue of subsidizing the monthly internet banking maintenance fee so as to attract more users and continued usage.
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.
Customers Perception on Prior Knowledge of Technology and Its Effect on Usage...paperpublications3
This document summarizes a research study that investigated the effect of customers' perceptions on the usage of internet banking in commercial banks in Kenya. Specifically, it examined how prior knowledge of technology affects use of internet banking. The study used a descriptive research design and surveyed 272 customers across 12 commercial banks in Nairobi County. The findings showed that customers' perceptions, including their level of prior technological knowledge, influenced their use of internet banking. Those with less knowledge and experience using computers and the internet were less likely to use internet banking services. The study concluded that customers' perceptions, particularly regarding their familiarity with technology, have an impact on the adoption and continued use of internet banking.
India is a fast becoming country of mobile and internet. Government of India initiative such as “Digital India”, in future our country will become cashless economy. Due to advancement of technology, man becomes more convenient and comfortable. Mobile Wallet is a platform for making payment through mobile. There are various
applications available like google pay, paytm citrus, etc. by using of such platforms payment can become more easy for online shopping, money transfer, utility bill payment, etc. Through mobile payment is very convenient and more secure to the public. Here, is an attempt to make a study on how the mobile wallet used by the consumers and their perception and satisfaction level towards using of such m-wallet payment gateways.
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.
This document provides a summary of a research paper that compares the public and private life insurance companies in India. It begins with an abstract that outlines the objectives of comparing customer perceptions of service quality and analyzing the financial performance of public versus private insurers. The introduction provides background on the growth of the insurance sector in India. It then examines the performance of the public insurer LIC and private insurers based on financial ratios like liquidity, solvency, and leverage. The study found that LIC has stronger financial performance and stability compared to private insurers.
Οι υπηρεσίες γαμήλιας δεξίωσης της EKDILOSIS event production δημιουργήθηκαν για να εξυπηρετήσουν κάθε ιδιαίτερη ανάγκη και επιθυμίας σας σε μια διοργάνωση δεξίωσης γάμου με κατάλληλες προτάσεις και προϊόντα,έχοντας πάντα την υποστήριξη εξειδικευμένου προσωπικού,επιτυγχάνοντας ένα αποτέλεσμα άψογο αισθητικά αλλά και μία ολοκληρωμένη παροχή γαμήλιας εκδήλωσης που ξεχωρίζει για τις δυνατότητες της.
The document summarizes the education and work experience of Lucas Lim. He earned a Bachelor of Science degree in Informatics from Indiana University Bloomington, graduating with a 3.96 GPA. His experience includes roles in UX design, web design, photography, teaching, restaurant management, real estate, and magazine publishing. He has technical skills in programming languages, web development, design software, and Chinese and English languages.
Homophones are words that sound alike but have different meanings and spellings, such as won/one and there/their/too. Homographs are words that have the same spelling but different meanings, like read, tire, and bow. The document provides examples of homophones like sea/see and meat/meet, and homographs like tear and row. It asks the reader to identify which examples provided are homophones and which are homographs.
mapa conceptual arq. carlos ivan contramaestremagudos
El documento describe la evolución de la web desde la Web 1.0 hasta la Web 7.0, donde la Web 1.0 es estática y unidireccional, la Web 2.0 permite la interacción del usuario, y la Web 3.0 introduce programas inteligentes y datos semánticos.
This document summarizes the services provided by Endurance Consultancy, an expert firm in instrumentation and process control for oil, gas, refinery, and petrochemical industries. They provide extensive engineering services including loop diagrams, I/O configuration, alarm analysis, safety studies, and training. They have over 33 years of experience in major oil and gas companies. Their services include consultancy for DCS systems, advanced process control, alarm management, cybersecurity implementation, and real-time information systems. They provide onsite, offsite, and remote support and consulting services.
Στην συνολική οργάνωση,τα μουσικά σύνολα κλασικής μουσικής της εταιρείας EKDILOSIS event production είναι ιδιαίτερα,κλασικά και την ίδια στιγμή απόλυτα σύγχρονα,αποτελώντας άριστες επιλογές επίσημων εκδηλώσεων,ενώ αναβαθμίζουν και ένα απλό event προσδίδοντας την κατάλληλη επισημότητα,με μουσικές που ξεχωρίζουν για την λεπτότητα,παίζοντας με τον συνδιασμό κλασικό-σύγχρονο,επιλογές κατάλληλες πάντα στο ύφος της κάθε εκδήλωσης.
Σας χαρίζουν αυτό που προσδοκάτε μουσικά να ακούσετε από μια ορχήστρα κλασικής μουσικής,τόσο για την προσωπική σας ικανοποίηση όσο και για τους καλεσμένους σας.
Los datos de los últimos años señalan a España como uno de los países que gozan de una mayor esperanza de vida.
Sin embargo, este hecho, sumado al bajo índice de natalidad que registra nuestro país, ha provocado un fenómeno evidente y, en cierta manera, preocupante para las próximas generaciones: el envejecimiento de la población.
Genei.es es un portal para comparar y contratar servicios de envío de paquetes. Los usuarios pueden enviar mercancía a cualquier lugar del mundo seleccionando la empresa de transporte más adecuada a sus necesidades. Genei.es trabaja con las principales empresas del sector y ofrece un proceso sencillo de tres pasos para realizar envíos, que incluye la búsqueda de servicios, rellenar datos y realizar el pago de forma segura.
Este gráfico muestra cuatro categorías en el eje x y tres series en el eje y. Los valores numéricos van de 0 a 6 en el eje y. Cada serie contiene valores para las cuatro categorías representadas en el gráfico.
Este documento presenta información sobre el cor pulmonale. Define el cor pulmonale como la hipertrofia y/o dilatación del ventrículo derecho resultado de la hipertensión pulmonar causada por enfermedades pulmonares. Describe la clasificación, epidemiología, fisiopatogenia, cuadro clínico, signos físicos, diagnóstico y tratamiento del cor pulmonale. Explica que la enfermedad pulmonar obstructiva crónica es responsable de más del 60% de los casos y que el cor pulmonale puede ser agudo
This document summarizes an article from the International Journal of Management (IJM) about factors influencing the adoption of e-banking in India. The article discusses how e-banking has changed the banking industry and provided customers with more convenient access. It then reviews past literature on factors like trust, demographics, service quality that affect e-banking usage. The research aims to understand factors influencing customers' choice of e-banking, critical success factors for users, and obstacles preventing non-users from adopting e-banking. A mixed methods approach including questionnaires was used to understand users and non-users.
This document summarizes a research paper on e-banking in Iran. The paper finds that e-banking provides several advantages to Iranian banks by reducing costs compared to traditional banking. However, Iranian customers still lack knowledge about e-banking services available. The document defines e-banking as the automated delivery of banking services through electronic channels like the internet and mobile phones. It provides examples of benefits of e-banking for both banks and customers, such as lower costs, increased convenience and 24/7 access to accounts and services. However, adoption of e-banking remains low in Iran compared to other developed countries.
A STUDY ON CUSTOMERS AWARENESS ABOUT BANKING TECHNOLOGYAKHIL KP
This document provides an introduction and overview of modern banking technologies and customer awareness of them in India. It discusses how technology is changing the banking sector through innovations like ATMs, internet banking, mobile banking, etc. The study aims to understand customer awareness and adoption of these technologies in both urban and rural areas of Kannur district in India. It outlines the objectives, hypotheses, methodology, and limitations of the study. The literature review discusses previous research on the impact of technology on banking and factors influencing customer adoption of electronic banking services.
customer perception towards internet banking final reportjay prakash tyagi
The document discusses customer perception towards internet banking. It first defines internet banking as conducting banking transactions electronically from any location via the internet. It then discusses how banks offer internet banking and the benefits it provides customers in terms of convenience and reduced time and costs. The objectives of the study are then outlined as understanding the factors influencing customer perception, designing a measure to evaluate perception, and suggesting implications for banks.
Problems encountered in e-banking in selected bank Lily Monilla
This document discusses problems encountered with e-banking in selected banks in Quezon City, Philippines. It provides background on the introduction and growth of e-banking in the Philippines. Security issues are one of the main problems discussed, including security flaws that have allowed access to other customers' accounts. Regulatory approaches by the Bangko Sentral ng Pilipinas and security controls implemented by banks are also mentioned. The document aims to determine problems encountered with e-banking and provide recommendations.
Effect of Digital Banking on Customer Satisfaction: A case of National Bank o...paperpublications3
Abstract: This study purposed to investigate the effect of digital banking on customer satisfaction case of National Bank of Kenya. The objective that guided the study: To determine the effect of speed of transactions on Customer Satisfaction case of National Bank of Kenya, Bungoma County. The target population for the study was bank customers and banking staff from National Bank in Bungoma County. The study utilized a sample size of 417. Descriptive survey design was undertaken and data was collected using a triangulation of methods including questionnaires, interview schedules and document reviews. Analysis was undertaken with the aid of Statistical Package for Social Sciences where both descriptive and correlation analysis were performed. The findings of the study established that there was a significant relationship between speed of transaction and customers satisfaction, χ2 (6, N=350) = 221.45. The study recommends that there is need by banks to invest more on robust reliable systems to reduce incidents of failed transactions and transactional errors in ATMs.
Financial services industry is developing due to the introduction of internet, rapid technological evolutions, deregulation, globalization as well as the impact of changing competitive and regulatory forces. So Financial system plays an important role in the economic development of the country. Because of the advent of information technology there is a change in the banking sector which has paved way for the introduction of retail electronic payment system and has progressed in the recent years in various countries and India has left no way behind. The objective of the paper is to examine and analyze the progress made by the internet banking in India. Bhawna Bhelly | Dr Sunil "Growth of E-Banking in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-5 , August 2019, URL: https://www.ijtsrd.com/papers/ijtsrd25082.pdfPaper URL: https://www.ijtsrd.com/management/accounting-and-finance/25082/growth-of-e-banking-in-india/bhawna-bhelly
This document is a project submitted by Oluwatosin Ayo Awofodu to the Department of Economics at the University of Ibadan in partial fulfillment of the requirements for a Masters of Banking and Finance degree. The project examines the influence of mobile banking services on customers' choice of banks in Nigeria, using Guaranty Trust Bank as a case study. It includes an introduction outlining problems in the Nigerian banking system and the development of electronic banking. The document also includes chapters on literature review, methodology, empirical analysis, summary and conclusions.
Perceived benefits of E-Banking and its Relationship on Banking Performance i...AI Publications
Not so long ago, numerous banks in Tanzania have commenced using of digital technologies to influence business transactions; however, there is little understanding on the perceived benefits of these products on the performance of the banks. The study scrutinized the perceived benefits from using E-Banking and its relationship on banking performance in Tanzania taking CRDB and NMB banks as the case study. The specific objectives of the research were three and they include;(i) look on benefits of internet banking and its effect on banking performance, (ii) to assess the perceived benefits of mobile banking and how it impacts the banking performance and (iii) to determine the perceived benefits of ATM services and how it impacts on banking performance. The study adopted a quantitative research design whereby a questionnaire was distributed to 352 banks customers in Mwanza region in an attempt to arrive to a larger sample of respondents. A simple random sampling technique was used in this study so as to allow an equal chance of participants to fill up in the questionnaire and to reduce the elements of bias. The regression results on the overall model showed that the model accounted for adjusted R2 value of 51.3% of the variance explained by the indicator; and the F-statistic of 124.391 which was significant as p = .000. With respect to individual variables, the results of the study brought out forward that the benefits of internet banking were positively related to banks performance although the effect was moderate. Similarly, ATM teller machines and mobile banking had positive and significant effects on the banking performance. In the end it was recommended for commercial banks to improve awareness to customers on some of the e-banking product like internet banking, in addition the commercial banks are supposed to maximize the number of e-banking product so as to minimize congestion on banking premises, and to place banking facilities to various locations to ease access by customers.
The Effect of Customers Perception on Security and Privacy of Internet Bankin...paperpublications3
Abstract: Internet banking allows banks to provide information and offer services to their customers conveniently using the internet technology. However, studies have shown that customers have perceptions that impact on the uptake and continuous usage of the platform. The purpose of this study is to understand the effect of customer perceptions on usage of internet banking in commercial banks in Kenya. This study used descriptive research design while a stratified random sampling technique was used to select subjects to represent the target population which was made up of 1,837,312 customers of commercial banks within Nairobi County. An estimated 384 respondents were targeted to participate in the study. 272 questionnaires representing a 71% response rate were received and analysed. Based on the findings of the research it was concluded that customers have perception that have an effect on usage of internet banking. Customers both users and potential, are still apprehensive about the security of internet banking transactions and privacy of their sessions while online. Due to increased phishing, on online scams and frauds perpetrated online customers are reluctant to adopt or continue using internet banking. It is the responsibility of commercial banks to sensitize their customers and assure them that it is safe to access internet banking from both a private and public network. They should provide customers with guidelines on how to safe guard their information and secure their log on credential while using both private and public networkKeywords:Internet banking, commercial bank, Technology Acceptance Model, customer perceptions.
Title:The Effect of Customers Perception on Security and Privacy of Internet Banking On Its Usage in Commercial Banks in Kenya
Author:Dr. Stephen Titus Waithaka, Kilembwa Muthengi Joseph Nzeveka
ISSN 2350-1022
International Journal of Recent Research in Mathematics Computer Science and Information Technology
Paper Publications
ASSESSMENT OF OPPORTUNITIES AND CHALLENGES OF ETHIOPIAN BANKING IN ADOPTING E...Ashley Carter
This document discusses a study on the opportunities and challenges of adopting e-services in Commercial Bank of Ethiopia. The study found opportunities like government support, competitive pressure, legal frameworks, ICT infrastructure development, and awareness programs. Technological factors were also opportunities. Challenges included high illiteracy, low internet penetration, underdeveloped ICT infrastructure, high internet costs, lack of financial networks, power outages, and technical issues. The document recommends the bank utilize opportunities and inform customers of e-banking benefits, while the government develops ICT infrastructure and regulations to support e-banking services.
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.
This document provides a literature review and background on a study evaluating internet banking security among customers of Indian Bank in Coimbatore, India. It reviews previous studies on topics like internet banking adoption, security, and customer perceptions. It then outlines the objectives, scope, methodology, and hypotheses of the current study. Preliminary results are presented including the demographic profile of respondents and their awareness levels of various internet banking security measures offered by the bank. Tables show the modes through which customers became aware of internet banking and their perceptions of the benefits of traditional banking versus internet banking.
This study examines the impact of e-banking service quality on customer loyalty through customer satisfaction during the COVID-19 pandemic. Specifically, it analyzes how the dimensions of e-banking service quality (reliability, privacy/security, website design, customer service) influence both customer satisfaction and loyalty. Data was collected through an online survey of 976 bank customers in Pakistan during lockdowns. The findings show that reliability and website design increased loyalty directly, while privacy/security's impact on loyalty was fully mediated by satisfaction. The impacts of reliability and website design on loyalty were partially mediated by satisfaction. This provides insights for banks on improving digital services and customer retention during pandemics.
This document discusses a research study that investigated key factors that influence online customer satisfaction with banking services. The study focuses on customer satisfaction with online banking in terms of bank website quality and overall bank quality. Bank website quality is assessed based on variables like interactivity, customization, and perceived security risk. Bank quality is assessed based on responsiveness and brand image. The study aims to help banks improve customer satisfaction, trust, and strengthen relationships with customers to expand their customer base.
Indian growing new financial establishments, notably banks, square measure one among the most important investors within the domains of knowledge systems, and there square measure quite clear signs that these trends to spread within the future. The arrival and enlargement of globalization and also the development of Advanced technologies knowledge pushed the banks to adopt advanced technology to launch new services. Banks have applied remote enabled service victimization the net to achieve competitive advantage, increase potency, scale back prices and provide a range of latest services. On-line systems create banking transactions straightforward and convenient, notably for disabled people that could need special services. the most purpose of this current study is to look at the most keys to live the advantage perception of victimization net banking technology, as this advanced technology is taken into account together of the principal motivations underlying the inclinations of people to adopt such a convenient technology in India. The model developed associated developed during this analysis study is an extension to the Technology Acceptance Model (TAM). The model was tested with a survey sample of four hundred folks chosen arbitrarily. The findings of the study indicate that everyone mentioned factors within the projected model (CNV, SE, QI, AW, PEU, PU) have important impact at intervals prompting the employment of net banking systems. The information analysis relies on the applied mathematics Package for scientific discipline (SPSS).
This study examines the adoption of electronic banking (e-banking) by customers in Ghana, using EcoBank Ghana as a case study. E-banking provides benefits to both banks and customers by reducing costs, improving efficiency and increasing convenience. However, adoption of e-banking in developing countries has lagged behind due to lack of infrastructure. The objectives are to identify the benefits and challenges of e-banking adoption in Ghana, as well as critical success factors. Questionnaires were administered to EcoBank staff and customers. Results found that e-banking was adopted to meet customer needs and market trends. Benefits included increased revenues, productivity and cost savings. The major challenge was Ghana's technology infrastructure. Overall, the
This document is a project report submitted by Neha Shaw to the University of Calcutta for a B.Com Honours degree in Finance. The report examines online banking with a case study on Axis Bank. The introduction provides background on the growth of online banking and its benefits over traditional banking. The objectives are to better understand customer satisfaction dimensions in e-banking and Axis Bank's online banking services. The methodology involves collecting primary data through surveys as well as secondary data from sources like the internet, journals and articles.
Accessibility of Digital Banking on Customer Satisfaction: National bank of K...iosrjce
Banks have been forced to deleverage and identify alternative sources of value as a result of increased
regulations and competitive challenges. This has led to the introduction of digital banking where technology is
mostly embraced while carrying transactions. However, customers are still waiting for this new banking
experience, touted as a revolutionary transformation that will bring many new features, including anytime and
anywhere banking, ultra-fast response times, and omnipresent advisors. The objective that guided the study: To
establisheffect of accessibility of digital banking on Customer Satisfaction case of National Bank of Kenya,
Bungoma County. The target population for the study was bank customers and banking staff from National Bank
in Bungoma County and a sample size of 417. Descriptive survey design was undertaken. Data was collected
using questionnaires, interview schedules and document reviews. Analysis was done with the aid of Statistical
Package for Social Sciences where both descriptive and correlation analysis were performed. The findings of
the study established there was a significant relationship between accessibility of digital banking and
customer’s satisfaction, χ2
(6, N=350) =390.74, P= 0.00. The study recommends that Mobile banking and POS
terminals, need to come up with an application that can be used to enhance digital banking.
Similar to EMERGENCE AND GROWTH OF ONLINE LIFE INSURANCE IN INDIA (20)
The document discusses the sustainability and success of MSMEs in India. Some key points:
- MSMEs are the backbone of India's socio-economic development, contributing about 30% of GDP and 40% of exports. They provide large employment opportunities.
- Recently, the government revised the classification criteria for MSMEs to include both investment levels and turnover.
- Studies have found that MSMEs have consistently contributed to the country's growth despite challenges. However, they need more support like access to finance, technology, and skills to improve competitiveness.
- Data shows that the number of MSME units and people employed has increased over time, but their contribution to GDP and exports has slowly
This document discusses a study on factors affecting customer satisfaction in e-banking. It begins with an introduction on how banks are adopting information and communication technologies to provide e-banking services and increase customer satisfaction. It then reviews literature on models for measuring service quality and factors influencing customer satisfaction. The objectives and hypotheses of the study are to assess the impact of service quality, brand perception, and perceived value on customer satisfaction in e-banking. The study uses a survey to collect data from 200 customers on their perceptions of these factors. Preliminary findings indicate most respondents are male, between 25-50 years old, educated to the graduate level or higher, and are employees or businessmen.
The document discusses e-payment systems in rural India and associated issues and challenges. It notes that while e-payment has developed rapidly in cities, adoption in rural areas still lags behind due to several factors. These include low literacy rates, a lack of technological skills, slow internet speeds, low financial literacy, a lack of trust in cashless transactions, and lack of awareness about e-payment methods. Addressing these challenges through improved education and awareness efforts will be important to expanding digital payments across India.
14 a study on women empowerment through self help groups in indiachelliah paramasivan
This document discusses women empowerment through self-help groups (SHGs) in India. It provides background on the concept of women empowerment and defines it as a process of awareness and capacity building leading to greater participation and decision-making power. SHGs have emerged as an effective instrument for alleviating poverty and empowering women in rural India. They provide economic benefits like income generation opportunities and help women gain social empowerment by improving their status and decision-making role in society. The document examines how SHGs promote both economic and social empowerment of women members.
13 growth of e banking challenges and opportunities in indiachelliah paramasivan
This document summarizes a journal article about the growth of e-banking in India, including the challenges and opportunities. It begins with an introduction to e-banking and the benefits it provides over traditional banking. It then discusses some of the key challenges to e-banking adoption in India, such as low broadband penetration, banks' ambivalent commitment, and customers' preferences for traditional branches. The document also outlines opportunities for e-banking growth in India, including initiatives to improve financial literacy. It concludes that while e-banking faces challenges in India, it has potential for growth, especially as internet penetration increases.
This document summarizes the performance of the Life Insurance Corporation of India (LIC) from 1999-2000 to 2008-2009. It discusses that LIC saw fluctuating growth in policies issued, premiums collected, and number of agents. While some years saw high growth rates, others saw declines. Overall, the compound growth rate for policies was 9.25% and premiums was 13.64%, showing good performance. It also discusses how LIC competes in the private insurance market in India and the changes to the insurance sector since privatization.
This document summarizes a study on the problems and prospects of women entrepreneurs in Sivagangai District, India. It provides background on women's entrepreneurship development efforts in India. The study aims to analyze the socioeconomic profiles, challenges, and government support systems for women entrepreneurs in Sivagangai District. It finds that most women entrepreneurs are over 40, married, Hindu, and from nuclear families. Their businesses are typically local, cash-based, and they spend long hours on them. Earning an income was found to be the main motivation to start a business. The study helps identify problems faced by women entrepreneurs to improve government support programs.
7 corporate social responsibility perspectives and challenges in rural indiachelliah paramasivan
This document discusses corporate social responsibility (CSR) perspectives and challenges in rural India. It begins with defining CSR and noting its importance in India given that most of the population lives in rural areas. The document then reviews literature on CSR practices and initiatives in India. It outlines the objectives and methodology of the study, which examines CSR programs and their impact in rural areas by analyzing 6 companies. The results and discussion section describes the CSR policies and initiatives of these companies in areas like education, healthcare, infrastructure, and livelihood generation. It finds that while companies are actively engaging in rural CSR, there are still challenges to be addressed like lack of coordination and monitoring of projects.
1. Financial inclusion aims to provide banking services to low-income groups so that more people can access banking, while Digital India aims to provide government services electronically.
2. Digital India can help achieve financial inclusion goals by easily connecting different groups through digital banking and payment systems.
3. Initiatives under Digital India like internet connectivity, e-services, IT training, and digital lockers make the path to financial inclusion easier by allowing electronic access for all citizens.
This document discusses problems faced by farmers in India. It notes that over 58% of rural households depend on agriculture as their primary livelihood. Some key challenges include small land holdings, lack of technical knowledge, weather-dependent farming, low incomes, underdeveloped infrastructure, and inefficient bureaucracy. Farmers also face issues with seeds, fertilizers, irrigation and undeveloped infrastructure policies that slow agricultural growth. Addressing these problems could help improve conditions for farmers and support continued development of India's agricultural sector.
This document discusses the Digital India program and its implications for the education sector in India. Some key points:
- Digital India is a flagship program launched in 2015 to connect rural areas to high-speed internet and improve digital literacy.
- It aims to transform India into a digitally empowered society and knowledge economy.
- In education, it is leading to more interactive teaching methods using technology like laptops, tablets, and smartphones.
- Both K-12 schools and universities are being affected, with improved connectivity, online learning materials, and digital portfolios.
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This document discusses community-based entrepreneurial activities. It defines community-based enterprises as entrepreneurial initiatives that enhance the quality of life and economic development of a particular region. The key characteristic of community-based enterprises is that assets belong or are dedicated to the community, ensuring the enterprise is accountable to the community and profits are reinvested for community benefit. Several studies discussed find that community-based entrepreneurship can empower marginalized groups and lift communities out of poverty by promoting collective action. However, challenges include a lack of community orientation in modern societies and difficulties providing support to local small and medium-sized enterprises.
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EMERGENCE AND GROWTH OF ONLINE LIFE INSURANCE IN INDIA
1. IJMDRR
E- ISSN –2395-1885
ISSN -2395-1877
International Journal of Multidisciplinary Research Review, Vol.1, Issue – 7, Sep -2015. Page- 5
Research Paper
Impact Factor - 2.262
Peer Reviewed Journal
A STUDY ON BANKER’S PERCEPTION OF ELECTRONIC BANKING
V Kanchana Naidu* Dr. C Paramasivan**
*Research Scholar, Bharathiar University, Coimbatore & Assistant Professor of Commerce, Women’s Christian College,
Chennai.
**Assistant Professor & Research Supervisor, Department of Commerce, Periyar EVR College, Tiruchirappalli.
Abstract
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.
Keywords - Banking, Information Technology, Banking Industries, Perception.
INTRODUCTION
Information and communication technologies have changed the working of the banking industry in the last few years.
Tremendous progress in the field of information technology has reduced the world to a global village and it has caused
unprecedented change in the banking industry. Huge developments in the technology of telecommunications and electronic
data processing have further stimulated these changes. Automation has revolutionized financial and banking sectors globally.
Apart from branch banking in the brick and mortar mode, click and order channels like internet banking, ATMs, tele-banking
and mobile banking are now in vogue. Customers can view the accounts, get account statements, transfer funds, purchase
drafts by just making a few key punches. Availability of ATMs and plastic cards to a large extent make it necessary for
customers going to branch premises. Smart Cards with an embedded micro-processor chip have brought about revolutionary
changes.
Today, e-banking is used as a strategic tool by the global banking sector to attract and retain customers. E-banking is a
generic term for delivery of banking services and products through electronic channels, such as the telephone, the internet,
the cell phone, etc. The concept and scope of E-banking is still evolving. It facilitates an effective payment and accounting
system thereby enhancing the speed of delivery of banking services considerably. It increases efficiency in the sphere of
effective payment and accounting system thereby enhancing the pace of delivery of banking services considerably. It allows
customers to access banking services electronically such as to pay bills, transfer funds, view accounts or to obtain any
banking information and advice. E-banking also facilitates new relationships with customers, regulatory authorities, suppliers
and banking partners with digital-age tools. For example, customers and bank relationships will become more personalized,
resulting in new modes of transaction processing and service delivery. Now, banks are faced with a number of important
issues, for example how to take full advantage of new technology, how e-banking change the ways customers relate with the
service provider, etc. The banking industry has been considerably influenced by expansion of technology.
The World Bank defined inclusive development, as that equals economic growth plus sharing the benefits of growth to
reduce poverty. Inclusive growth as a development strategy has been quite successful in East Asia, where economic
development has benefited the poor and the non-poor. The lack of financial services has impact on economic conditions of
the people and also on the economic growth of the country. Financial inclusion is the delivery of banking services to the
common man at an affordable cost to the vast sections of disadvantaged and low-income groups.
REVIEW OF LITERATURE
This section presents research work done on bankers’ viewpoints on e-banking.
Sathye (1997) reviewed the status of internet banking in Australia. The study found that only two of the 52 banks started
internet banking services. He opined that education would be a crucial factor for expanding internet banking in Australia. If
2. IJMDRR
E- ISSN –2395-1885
ISSN -2395-1877
International Journal of Multidisciplinary Research Review, Vol.1, Issue – 7, Sep -2015. Page- 6
Research Paper
Impact Factor - 2.262
Peer Reviewed Journal
customers are convinced about the various advantages of internet banking they will start asking for this service from their
banks, and will put pressure on the banks to go ahead with internet banking.
Filotto et al. (1997) illustrated that the adoption rates of ATM were higher among young users. In addition, Barnett (1998)
findings proved that younger consumers are more comfortable in using e-banking. Katz and Aspden (1997) findings
explained that males were more likely to adopt e-banking than females.
Mookerji (1998) explored that internet banking is fast becoming popular in India. Nevertheless, it is still in its evolutionary
stage. They expect that a large sophisticated and highly competitive internet banking market will develop in future.
Joseph et al. (1999) examined the influence of internet on the delivery of banking services. They found six primary
dimensions of e-banking service quality such as convenience and accuracy, feedback and complaint management, efficiency,
queue management, accessibility and customization.
Mols (1999) acknowledged that the internet banking is an innovative distribution channel that offers less waiting time and a
higher spatial convenience than traditional branch banking with significantly lower cost structure than traditional delivery
channels. Internet banking reduces not only operational cost to the bank but also leads to higher levels of customer
satisfaction and retention. As a result internet banking is very attractive to banks and consumers, who now have higher
acceptance to new technology. (Polatoglu and Ekin, 2001, Mols, 2000, Sathye, 1999, Wisner and Corney, 2001)
Jeevan (2000) observed that the internet banking enables banks to offer low cost and high value added financial services.
US web-corporation argues that finally banks are finding that a comprehensive online banking strategy is indispensable for
success in the increasingly competitive financial services market. Changes in technology, competition and lifestyles have
changed the face of banking and banks in the present environment are looking for alternative ways to provide differentiated
services.
Hasan (2002) found that online home banking has came out as a significant strategy for banks to attract and retain customers.
About 75 percent of the Italian banks have adopted some form of internet banking during the period 1993-2000. The study
also found that the higher likelihood of adopting active .
Rueangthanakiet Pairot ( 2008) defined Customer‘s satisfaction as the company's ability to fulfill the business, emotional,
and psychological needs of its customers. However, customers have different levels of satisfaction as they have different
attitudes and experiences as perceived from the company. Customer’s satisfaction is affected by the importance placed by the
customers on each of the attitudes of the product/ service. Customer satisfaction measurement allows an organization to
understand the key drivers that create satisfaction or dissatisfaction; and what is really driving their satisfaction during a
service experience.
Nyangosi et al. (2009) collected customers' opinions regarding the importance of e-Banking and the adoption levels of
different e-Banking technologies in India and Kenya. The study highlighted the trends of e-banking indicators in both
countries. The overall result indicates that customers in both countries have developed a positive attitude and they give much
importance to the emergence of e-banking.
From the review of literature, we found that education is one of the crucial factors for expanding e-banking. Younger
consumers and males are more comfortable in using e-banking. Convenience and accuracy, feedback and complaint
management, efficiency, queue management, accessibility and customization were found to be primary dimensions of e-
banking service quality. However, most of the studies are carried out in foreign countries. In light of the above findings, the
present study is undertaken in Indian context to find out bankers perspectives on e-banking.
OBJECTIVES OF THE STUDY
1. To study bankers’ perspectives on e-banking activities of respondents
2. Impact of e-banking on banks.
3. Promotional measures used by banks to promote e-banking.
4. Impact of e-banking on relationship between bankers and customers and on overall performance of banks.
5. Bankers’ viewpoints on promotional media used by them to promote e-banking are covered in the last objective.
3. IJMDRR
E- ISSN –2395-1885
ISSN -2395-1877
International Journal of Multidisciplinary Research Review, Vol.1, Issue – 7, Sep -2015. Page- 7
Research Paper
Impact Factor - 2.262
Peer Reviewed Journal
RESEARCH METHODOLY
This study includes both primary as well as secondary data collected from 220 bankers equally representing public sector
banks, private sector banks in Kancheepuram district with the help of well-drafted and pre-tested structured questionnaire.
Eleven public sector banks, six old private sector banks and five new private sector banks have been included in the study.
Totally 190 responses were received from the branch managers and finally used in the study by following convenience
sampling technique.
The secondary information has been obtained from the reports of RBI, different banks, websites, magazines, journals and
newspapers to study the relevant aspects. The data was analyzed using frequency distribution.
RESULTS AND DISCUSSIONS
This section encompasses bankers’ perspectives on e-banking activities of respondents, impact of e-banking and promotional
measures used by banks to promote e-banking.
BANKERS’ PERSPECTIVES ON E-BANKING ACTIVITIES OF CUSTOMERS
This section highlights e-banking activities of customers as perceived by bankers. It includes:
Table -1, Comparison of E-banking Adoption Frequency by Customers on Bankers’ Persuasion or by Own Initiative.
On comparison of e-banking adoption frequency by customers on persuasion of bankers or on their own it is noticed that 20
to 40 percent customers use e-banking services more frequently under the guidance of the bankers. On the other hand, 54.74
percent bankers opine that only less than 20 percent customers resort to e-banking on their own. It comes forth from the
analysis that there is not enough of awareness in Indian customers regarding use of e-banking services and the guidance and
persuasion by bankers help promote the use of such services amongst the customers.
Table- 2Age-wise Preference of e-Banking Services
review of different age groups of customers availing ebanking services, exhibits that 45.26 percent bankers are of the view
that middle age men (30 to 50 years of age) make the greatest use, followed by 37.89 percent of bankers, who hold that the
next in order is young age men (up to 30 years). It is noteworthy that women customers use such services relatively much
less frequently.
Customers’ Frequency Bankers’ Persuasion (Respondents) Own Initiatives (Respondents)
Less than 20% 24 (12.63) 104(54.74)
20% to 40% 85 (44.74) 54 (28.42)
40% to 80% 65 (34.21) 22 (11.58)
80% to 100% 16 (8.42) 10 (5.26)
Total 190 (100) 190(100)
Age Groups Respondents
Young Age Men 72 (37.89)
Middle Age Men 86 (45.26)
Young Age Women 8 (4.21)
Young Age Men And Women 13 (6.84)
Middle Age Men And Young Age Women 4 (2.11)
Middle Age Men And Women 4 (2.11)
Young Age Men And Middle Age Women 3 (1.58)
Total 190 (100.0)
4. IJMDRR
E- ISSN –2395-1885
ISSN -2395-1877
International Journal of Multidisciplinary Research Review, Vol.1, Issue – 7, Sep -2015. Page- 8
Research Paper
Impact Factor - 2.262
Peer Reviewed Journal
Table 3, Occupation-wise Preference of e-Banking Services
Occupations Respondents
Service Class 20 (10.53)
Business Class 56 (29.47)
Professionals 62 (32.63)
Service Class and Business Class 14 7.37)
Service Class and Professionals 22 (11.58)
Business Class and Professionals 16(8.42)
Total 190(100.0)
Coming to the bankers’ views regarding preference in the use of e-banking services on the basis of occupations , the study
reveals that professionals are at the top according to 32.63 percent bankers, 29.47 percent bankers consider business class
makes the greatest use. Only 11.58 percent bankers believe that e-banking is used more by service class and professionals
both. Very small percentage of respondents holds the opinion that e-banking services are used by both service and business
class and business class and professionals.
Table- 4, Retention Rate of E-banking Customers
On analyzing the satisfaction level with regard to retention rate of e-banking customers the study clearly suggests that of the
majority of the bankers interviewed, (60.53 %) feel satisfied with the retention rate, followed by 16.84 percent who are
highly satisfied. Only 2.63 percent stated that they are not satisfied, while 20 percent refrains from giving any opinion on this
issue.
Table- 5, Increase in Customers Accessing E-banking Services
Extent Respondents
To Large Extent 98 (51.58)
To Some Extent 62 (32.63)
A Little 24 (12.63)
Very Little 6 (3.16)
Total 190 (100.0)
The study shows that in the perception of most of the bankers (84.21 percent, taking to large extent and some extent
categories together), the number of customers making use of e-banking services is definitely on the increase. Only a very
small proportion of respondents (15.79 % bankers, taking a little and very little categories together) hold the contrary view.
Table- 6, Velocity of Bank Customers Switching from Traditional to e-Banking
Switch Over Rate Respondents
Very High 26 (13.68)
High 86 (45.26)
Undecided 30 (15.79)
Low 38 (20)
Very Low 10(5.27)
Total 190(100)
Satisfaction Level Respondents
Highly Satisfied 32 (16.84)
Satisfied 115 (60.53)
Neutral 38 (20)
Unsatisfied 5 (2.63)
Total 190 (100.0)
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ISSN -2395-1877
International Journal of Multidisciplinary Research Review, Vol.1, Issue – 7, Sep -2015. Page- 9
Research Paper
Impact Factor - 2.262
Peer Reviewed Journal
The study reveals switch over rate of bank customers from traditional banking to e-banking. Maximum number of sampled
bankers (58.94 percent, taking very high and high categories together) is of the view that customers are increasingly
switching over from traditional banking to e-banking. While, 15.79 percent of the bankers have no clear opinion in the
matter, 25.27 percent of them (taking low and very low categories together) hold that the rate of switch over is quite low.
IMPACT OF E-BANKING
This section throws light on impact of e-banking on the relationship between bankers and customers and on overall
performance of banks. These are described as follows:
Table -7, Impact of E-banking on Bankers-Customers Relationship
Improvement in Relations Respondents
Very Much 86 (45.26)
Somewhat 76 (40)
A Little 13 (6.84)
Very Little 11 (5.79)
Not at all 4 (2.11)
Total 190 (100.0)
Regarding improvement in relations due to e-banking, it is obvious that responses are almost equally split between very much
and somewhat categories, 45.26 percent bankers agree that bankers and customers relations have recorded very much
improvement, 40 percent of respondents expressed ‘somewhat improvement’. On the other hand, almost 12.63 percent of
bankers are of the view that use of e-banking services has contributed ‘a little or very little’ to the betterment of relations
between the bankers and the customers.
Table -8, Impact of E-banking on Overall Performance of Banks
Extent of Improvement Respondents
To Large Extent 80 (42.11)
To Some Extent 100 (52.63)
A Little 6 (3.15)
Very Little 4 (2.11)
Total 190 (100.0)
The study reveals that majority (52.63 %) clearly believe that e-banking services have brought about some improvement in
the overall performance of banks, followed by 42.11 percent who are of the view that working has improved a lot, whereas,
only 5.26 percent (taking a little and very little categories together) bankers hold the view that almost no improvement in the
overall performance of banks has taken place.
PROMOTIONAL MEASURES USED BY BANKS TO PROMOTE E-BANKING
Here bankers’ point of views are gathered with regard to promotional measures used by banks to promote e-banking viz.
print, internet, SMS, outdoor advertisement, television and radio. Responses regarding extent of knowledge provided by
banks to customers for using e-banking services are also collected and analyzed.
Table -9, Choice of Promotional Media
Extent
SMS on Outdoor Television
Print Media Internet Mobile Advertisement and Radio
Respondents Respondents Respondents Respondents Respondents
To Large Extent
144 23 4 41 35
6. IJMDRR
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ISSN -2395-1877
International Journal of Multidisciplinary Research Review, Vol.1, Issue – 7, Sep -2015. Page- 10
Research Paper
Impact Factor - 2.262
Peer Reviewed Journal
(75.79) (12.11) (2.10) (21.58) (18.42)
To Some Extent
29 43 13 63 70
(15.26) (22.63) (6.84) (33.16) (36.84)
A Little
7
(3.68)
24
(12.63)
9
(4.74)
26
(13.68)
16
(8.42)
Very Little
6
(3.17)
63
(33.16)
14
(7.37)
36
(18.95)
31
(16.32)
Not At All
4
(2.10)
37
(19.47)
150
(78.95)
24
(12.63)
38
(20)
Total
190
(100)
190
(100)
190
(100)
190
(100)
190
(100)
The study reveals that of the different sources used by banks to promote e-banking like print media, internet, SMS on mobile,
outdoor advertisements and television and radio a majority(75.79 %) of the bankers responded that print media is used by the
banks to a large extent for the purpose. Regarding internet, highest percentage (33.16 %) of the bankers said that internet is
used very little. Regarding the use of SMS, 78.95 percent of bankers reported that it is not at all used. Outdoor advertisements
are also used to some extent. In the opinion of 36.84 percent bankers, television and radio are also used by the banks to some
extent. It signifies that banks mostly rely on print media to promote e-banking services.
Table- 10,Banks Providing Knowledge to Customers for Using E-banking Services
Extent Respondents
To Large Extent
80
(42.11)
To Some Extent
100
(52.63)
A Little
5
(2.63)
Very Little
5
(2.63)
Total 190 (100.0)
It was noted from the study that 52.63 percent of respondents said that banks do provide knowledge but only to some extent,
followed by 42.11 percent who believed that sufficient guidance is supplied by the banks in this field. That the banks extend
a little or very little knowledge is expressed by a small percentage (5.26 %) of the respondents.
CONCLUSION
The study reveals that there is not much awareness in Indian customers regarding use of ebanking services but, the guidance
and persuasion by bankers does promote the use of such services amongst the customers. Age wise ,there is greater incidence
of ebanking usage among the middle age men and women customers use such services much less frequently. Occupation-
wise, the professionals, followed by business class, make more use of e-banking services. Bankers are satisfied regarding the
retention rate and access rate of e-banking customers and they are also satisfied with switch over rate of customers from
traditional banking to e-banking. The study also indicates that e-banking helps in improving the relationship between bankers
and customers as well as it enhances the overall performance of banks. About different promotional measures adopted by
banks to promote e-banking, the study discloses that banks mostly resort to the use of print media followed by internet, SMS
on mobile, outdoor advertisements and television. Majority of the bankers believe that banks are wanting in providing
sufficient guidance to customers for using e-banking services. In order to make e-Banking more popular, banks must separate
their customers based on demographic priority (i.e., age, gender, occupation etc.) and customize e-Banking services as per
their needs and requirements. Banks should supplement print media with other modes like hoardings, SMS, e-mail etc. to
7. IJMDRR
E- ISSN –2395-1885
ISSN -2395-1877
International Journal of Multidisciplinary Research Review, Vol.1, Issue – 7, Sep -2015. Page- 11
Research Paper
Impact Factor - 2.262
Peer Reviewed Journal
stimulate e-banking usage and create greater awareness. Given the increased competition pressures to cut expenses, banks
need to attract and retain their customers by creating, maintaining and highlighting such attractive features of e-Banking.
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