RM2

“Adoptability of E-banking in Haryana state of India”
Student name: Pooja
Course: MBA
Module:B9RS106 Research MethodsII
Lecturer: Dr. P.J Paul
Word count: 4619

Contents
Abstract:......................................................................................................................................2
Introduction:................................................................................................................................ 3
Rationale:.................................................................................................................................4
Hypotheses:............................................................................................................................. 5
Literature Review ......................................................................................................................... 5
Introduction:............................................................................................................................ 5
Literature review 1:................................................................................................................... 5
Conclusion:............................................................................................................................. 10
Methodology.............................................................................................................................. 10
Introduction:.......................................................................................................................... 10
Primary research method .................................................................................................... 10
Research design:..................................................................................................................... 10
Source: Kaushi, no date) ...................................................................................................... 11
Research philosophy:.............................................................................................................. 11
Research Approach:................................................................................................................ 12
Research strategy:.................................................................................................................. 12
Sampling.................................................................................................................................... 12
Selecting Respondents:........................................................................................................... 12
Data collection instruments:........................................................................................................ 13
Data Analysis Procedure:............................................................................................................. 13
Research ethic:........................................................................................................................... 13
Limitations:................................................................................................................................ 14
Bibliography:.............................................................................................................................. 15
Appendices:............................................................................................................................... 17
Research Time Plan..................................................................................................................... 21
7. Satisfaction level of customers:

Abstract:
The purpose of this research is about low adoptability of e-banking in the villages of Haryana
state in India. Here researcher consider the seven basic reason of low adoptability of internet
banking such as 1) high rate of illiteracy, 2) fear of fraud, 3) unable to afford cost of internet,
4) lack of awareness about e-banking, 5) languages barriers, 6) unavailability of internet
network connection and 7) unbanked villages. For understanding the e-banking appropriately,
all factors effecting e-banking in India are studied well such as social factor, legal factor,
economical factor, knowledge level etc. For this study survey is choose as primary method
for collecting data and random sampling. The research also present the several research about
the customer perception towards the use of E-banking and factors effecting e-banking. With
the help of survey three main reasons will be find out from seven general reasons in all over
India.
Abstract: What is online banking? Internet banking is a subject receiving great attention in the
banking industry and the regulatory community. As with other areas of e-commerce, discussions
about Internet banking often proceed without reference to the actual state of market developments. If
you're like most people, you've heard a lot about online banking but probably haven't tried it yourself.
You still pay your bills by mail and deposit checks at your bank branch, much the way your parents
did. Instead, it uses today's computer technology to give you the option of bypassing the time-
consuming, paper-based aspects of traditional banking in order to manage your finances more quickly
and efficiently. The advent of the Internet and the popularity of personal computers presented both an
opportunity and a challenge for the banking industry. Banks view online banking as a powerful ‘value
added’ tool to attract and retain new customers while helping to eliminate costly paper handling and
teller interactions in an increasingly competitive banking environment. Bank of Ireland as the leading
banks now offer fully secure, fully functional online banking for free or for a small fee. Bank of Ireland
Securities Services (BOISS) is the custody and fund administration arm of the Bank of Ireland Group
to satisfy all the needs of the majority of Bank of Ireland's customers. The internet is changing the way
banks work and I see the future of the internet banking getting wider and wider - See more at:
http://esource.dbs.ie/handle/10788/1982#sthash.cWCIMpY2.dpuf
Introduction:
1) Nowadays, e-banking becoming very popular due to lots of benefits in the India. Narender
Modi Prime Minster of India also wants to make new India called Digital India (Digital India
to transform the way India will live, work: Modi - Times of India, no date). This research is
about the low adaptability of e-banking in Haryana state of India. This research will support
the mission of making India digital pledged by the PM of India. For the achievement of this
mission India needs to find out which state has low adoptability of e-banking because of
tremendous causes.
2) Furthermore, if it will be identified that which is the most affective reason of low
adaptability then the Government can start their research on reforms for the problem of low
adoptability of e-banking faced by the customers. (member of deloitte touche tohmatsu ltd,
2015)

3) Nowadays, Haryana government planning to establish new branches in rural areas because
as villages has less number of banking institution as compare to the cities. Even in some
villages there is not a single bank so the people of those villages needs to go to another
village or district for the account opening (Singh, 2014). Apart from that, banks in villages
are not able to provide all internet banking facilities because these banks are small banks. In
the recent SLBC meet in Chandigarh it was decided to cover all the unbanked villages in
Punjab and Haryana by March 2015 to apply financial Inclusion plan (Bankers to extend
services to unbanked villages in Haryana and Punjab | Business Standard News, no date).
After reading above three researches it is observed that this research would be helpful for
these researches. And it is fresh or new research because in previous research it is not
mentioned that which is most effective reason of low adoptability of e-banking. List of
previous relevant research about e-banking in India research from 2012 to 2015 mentioned
below:
 E-banking in services quality and customer loyalty, changing Dynamic of public,
private and foreign bank consumer in India. (Kaur, 2015)
 Customer’s perception towards Internet banking: A study of Sirsa city, Haryana
(India) (Insan, 2010).
 Electronic Banking Challenges in India: An Empirical Investigation. this research is
almost similar to my research but it is done in Uttar Pradesh different state of India
and I choose Haryana state for research) (Karimzadeh, 2012)
 Mobile Banking in India: Practices, Challenges and Security issues. (Mobile banking
is a part of Internet banking for understand the all reasons of low adoptability of e-
banking it is important to consider mobile banking in this research) (Goyal, 2012)
Rationale:
According to the previous research there are seven causes of low adoptability of e-banking
which include: 1) high rate of illiteracy, 2) fear of fraud, 3) unable to afford cost of internet,
4) lack of awareness about e-banking, 5) languages barriers, 6) unavailability of internet
network connection and 7) unbanked villages. In this research it will identified that which is
main reason of low adoptability e-banking in villages of Haryana state of India.
Other objective of research:
 To identify three the main reason of low adoptability of e-banking

 To identify which are the useful e-banking services, as per the requirement of
customers of villages in Haryana
 How many customers are satisfied from the e-banking in the Haryana’s villages?
Hypotheses:
 According to previous research done on what are reasons of low adaptability of e-
banking in Utter Pradesh. It is assumed that Haryana a different state of India also
have the same reasons.
 Some services are completely useless for the customers of villages of Haryana state in
India. As the literacy level of rural areas is lower than the urban areas in the India. As
well as number of banks are also lesser in rural areas than the urban areas. On the top
of it, there is big problem of internet connections.
Literature Review Introduction:
Literature review considers the some previous up to date research for gathering complete
information of all aspect of topic. In this study, to identify three main reason of low-
adoptability of e-banking in villages of Haryana has to consider all relevant factors for the
proper research. For understanding the reason of low adoptability of e-banking it is very
important to understand what is e-banking, Why e-banking, benefits and limitation of e-
banking, evolution of e-banking and when it began?. There is a list of some literature review
themes mentioned below consider the all relevant factor of e-banking. On the basis of these
researches it is find out that even with so many benefits of e-banking in the villages of India
still have low adoptability of e-banking. But all different state have different main problem
out of several common reasons.
Literature review 1:
E-banking revolution effect on Indian banks
E-banking revolution proved very effective as compare to other previous inventions. It
changed the banking system activities completely. E-banking offered lot many opportunities
to the banks in all over the world. E-banking facilitates the banks to scale borders, change
strategic behaviour and as a result it passes new possibilities. E-banking moved the real
banking market functioning theories to resembling economic theories. (Gnanasambandam,
2012). But there is a lack of transparency due to putting incomplete information on internet
websites by the bank. Banks only present positive side about the bank image and services.
Due to that customer get confuse in choosing a right bank which provide best services. On
the other hand, there some advantages of e-banking such customer can contact anytime to the

banking services just in one click (Nagabhushanam, 2011). If customers are not happy with
the products, prices and services provided by a particular bank, then the bank can change its
banking partner much more easily than in the physical or real bank-client relationship. On the
banks point of view, e-banking decreased the cost of banking operations.
According to the Turner, invention of e-banking technology has reduced the cost of
processing the information. With the help of e-banking customers are enabling to ask for any
queries anytime. In the recent years, e-banking become very popular in all over the world due
to smooth functioning of banks. Now banks no need to keep records on paper which required
huge maintenance cost. (CHAVAN, 2013)
Beginning of Computerization in Indian banks
As per the various recommendations of the committees and working groups RBI tie bank
computerization was introduced to enhance the technology in the Indian commercial banks.
In 1983-84 the first blue print for bank computerization in India was emerged as a phased
plan for the mechanization of banking industry (1985-89). Even, the Reserve Bank of India
(RBI) installed the first computer in 1968 and then in 1979 a larger one. (Personal Website of
R.Kannan, no date)
On the other hand, some other banks had installed accounting and other machines before
1966 those banks are United Commercial Bank (UCO), the Standard Chartered Bank,
Lloyds’ Bank, Grindlays and some other. A large scale of computerization was constituted by
the Dr. C. Rangrajan in 1985 in the Indian public sector banks which were undertaken by the
Phased plan of computerization. And now, most of the pubic banks are fully computerized.
Banks in India had installed 4776 ALOMs at the branch level, during the first phase of
computerization spanning the five years ending 1989. It included 233 mini computers at
Regional/Controlling office levels and provided the training to the personals over 2000
programmers/systems and 1200 Data Entry Terminal Operators. It was proved by the RBI
Annual Report of 2008-09 that 100% computerization in the SBI group and 97.60 % in the
some other nationalized banks.
Invention of e-banking and its effect on customers
In 1983 according to the Roger’s Innovation Diffusion Theory (IDT), it is proved that
innovation is an uncertainty reduction process. For reducing the uncertainty from the new

technology innovation, people will collect and combine the information about the technology.
It is realized that there are five main attributes affecting the adoptability of innovation as per
the three decades of innovation study. These five attributes are relative advantage,
compatibility, trial ability, operability and complexity. The first four attributes are showing
positivity and last one is a reason of low adoptability. Superficial relative benefit refers to the
level to which an innovation is supposed as being better than its originator. Trial ability
defines a degree through that an innovation perceived as being trialable before adoption of
any decision on a limited basis. And observability of an innovation is the degree through that
an innovation is shown to other member of social system. And in last, complexity is the
degree which an innovation is as a relatively difficult to understand. (Roger, 1980)
In 2011 according to the Shukla and Shukla, it is define that e-banking provides higher level
of convenience such as a person can manage all finances even from the bedroom. It is
recognized through analyzing problems and prospects of e-banking. Nevertheless, still people
have issues regarding financial security and personal privacy (Shukla, 2011). Banks always
suggest to the customers that do not share personal information like PIN number, passwords
etc with any other person, even not to the bank employee. Make sure if a person is using
ATM and doing online transaction through login user ID on a regular basis, signed out
properly. Because there is high security threat if do not logged out properly, some fraud
people can hack account harm the person (Jamaluddin, 2013).
Current status of e-banking adoption in India
In India there are 205 million people are internet users, India has third rank after China and
US the percentage of Indian internet user is 12.6%. In India large number of internet users are
from the urban area around 137 million, where as in the rural area the percentage of internet
users are lesser as compare to urban area. Nevertheless, most of the people in India use
internet only for the purpose of communication (90%) and only 10% do online transaction
out of total population. This indicates the great opportunities for the internet banking in the
India (Rao, 2013).
On the basis of statistics of 2014, it was assumed that the internet baking user would increase
in the India and reached at 213 million. It is calculated that India beaten the US in the number
of users and got the second place by replacing US. As per the record of current scenario, it is
shows that out of 205 million internet user in India prefer mobile banking. It is become
possible due to the fast growth in IT development in the banking system in the big cities,
where as in the suburban and rural areas in the India adoptability of e-banking is low.
Furthermore, other than ATM e-banking service still does not have any increase out of total
transaction in the suburban area and rural area. It is happening because of lack of awareness

about the all e-banking services facilitate by the bank for the customers comfort (Singh,
2013).
According to the BCG (The Bostion Consulting group) research, there are three effective
solutions for the growth in adoptability of e-banking. The solutions are reaching semi-rural
area/ rural area versus metro cities, increasing affordable access and enhanced awareness.
Indian government planning to provide low cost internet instruments like cell phone, laptop
etc for the people who have low income. Furthermore, reducing internet data plan cost and
providing free wi.fi services in rural areas is also a best way to connecting those people to the
internet who has low income level. And organising internet awareness programmes for
enhancing knowledge about the benefit and use of e-banking (The Rise in Internet
Penetration and the Changing Face of Digital India, no date).
The development of e-banking decline the importance of branches of banks it means number
of branch establishment is limited. The development in the information technology allows the
customers to access the all services through internet banking without visiting to the bank. The
Automated Teller Machines (ATM) is a suitable example for explaining the growth of e-
banking. It is expected that within the short period of time ATMS will be extensively used by
the customers of semi-urban and rural areas (Flathers, 2013)
The technology-led procedure is describing us to what has been described as virtual
banking. The virtual banking services have multiple benefits. It is realized by the many banks
that there is a significant number of customers like to use e-banking facilities. On the basis of
existing 24-hours telephone banking system positive result, so many banks have developed
and applied the various vital e-banking applications so that now their customer the can pay
the bills, transfer money among account, check account history, download statements
information and computerize their check book online very easily (J. Parmar, 2013).
Reasons of low adoptability e-banking in India
According to the 2012 Institute of Inter Disciplinary Business Research, there are four main
reason of low adoptability of e-banking such as:
 Knowledge barrier: it is categorised into four types such as limited trained human,
lack of technological knowledge, improper use of technology and language barrier.
India has 22 official languages so it creates language barriers for e-banking because it
is very difficult to provide e-banking services in 22 different languages.
 Legal & security barrier: due to lack of limited, increased potential of fraud, lack of
trust and denial of e-documents by the court creates the hurdle in the growth of e-
banking.
 Social: due to lack of awareness, high rate of illiteracy customer are away from the e-
banking services benefits.

 Economic: as compare to urban area income of rural area people have lesser. So they
have problem in affording cost of internet.(Insan, 2010)
 Unbanked villages are also the most effective reason for the low adoptability of e-
banking in the villages of Haryana state in India. As per the recent news article (C
Roy, 2014) in the Haryana state of India there 4077 villages are consider as a
unbanked village so the group of 2 or 3 unbanked villages choose a particular
village’s bank for banking services. It is economic issue of low adoptability of e-
banking so it is necessary to find out answer of this question.
Different perception of different customers toward e-banking services
According to the Internet and Mobile Association of India (IAMAI), it is find out that out of
100% online users 23% prefer internet banking as a banking channel in India, ATM services
are preferred by 53% users. Most of the people in India do not prefer to use internet based
bank websites for implementing financial truncation in India. Furthermore, the affective
reasons are security reasons that is 43%, 39% customers prefers face-to-face transactions, due
to lack of knowledge about online 22% people hesitate to use e-banking, some people are not
aware about all services of e-banking (10%) and some area such as rural areas due to lack of
internet facilities do not use e-banking (2%). E-banking is become very popular in all other
countries even in India but not equitant to things are change developed countries. In India
things are changing rapidly (Saha, 2015). In 2002 at the time of invention of e-banking only
few banks were able to provide e-banking services. In the beginning India banks were far
away from the internet banking in comparison of international banks. In reality, it is difficult
increase e-banking adoptability without creating proper sufficient infrastructure or visibility
for the sufficient number of users. According to the reports of two very old and experienced
private bank named ICICI Bank and HDFC Bank which adopted the e-banking just in the
beginning, it is shows that still number of transactions are not carried out on the internet.
(Vyas, 2010)
Nowadays, general banking customer enjoying so many benefits due to advent of internet
banking revolution. Benefits of e-banking include 1) a banking customer’s account is
particularly accessible with an online account, 2) with the help of e-banking customers can
operate their account from any location any time such as from office and home, 3) Internet
banking provide an added benefit towards payment of utility bills. It avoids the standing in
long queues for just for the purpose of bill payment, 4) banks facilitate that now customers
can get all services from a single website of local banks. 5) There is clear growth shows in
the service of credit card/debit card usage provided by e-banking. E-banking also facilitate
online shopping through that service, customers can do shopping from any country sitting
from home. Now customers do not need to carry cash with him for the shopping. 6) Last but

not least benefit of e-banking is that banks provide 24x7 facilities just in a one click. (Sikdar,
2013)
Methodology Conclusion:
It can be conclude that e-banking has so many issues from beginning to now according to the
above research such as people have fear from the fraud which normally happen through
online purchase, internet connection charges consider huge cost which not affordable by the
poor people, language problem, sometime bank customer care executive don’t provide proper
solution to the customer. Furthermore, according to a BCG article it also cleared that rural
areas have less internet usability than urban areas in India. In last the seven reason of low
adoptability of e-banking are find out mentioned in literature theme 4 and researcher will
elect the three main reason of low adoptability of e-banking.
Methodology
Introduction:
The researcher has chosen quantitative methodology based on the survey through a
systematic questionnaire. In this research three main reason of low adoptability of e-banking
will be identified in the villages of Haryana state of India. This is one of kind research which
will take place in Haryana adding to the literature review for on e-banking to support digital
India mission of prime minster. Questions are related to the reasons of low adoptability of e-
banking, there are seven reasons includes: 1) high rate of illiteracy, 2) fear of fraud, 3) unable
to afford cost of internet, 4) lack of awareness about e-banking, 5) languages barriers, 6)
unavailability of internet network connection and 7) unbanked villages.
According to the Hussey and Hussey, a research method is a selected frame work which
provides the guidance to the researchers to reach at the final conclusions. The main object of
this section is to discuss and justify that which type of methodology will be used for research
Primaryresearchmethod is survey because it is a quantitative research. The frame of
questionnaire will be in proper order to understand the reason of low adoptability of e-
banking. Secondary research method will be books, articles, journals and government website
on previous research done relevant to this research to frame a proper literature review.
Researchdesign:
This research is designed in a proper structure according to the each layer of the research
onion. The study is designed to prove or disprove the hypothesis of the topic with the use of
statistical tools like graph, pie chart and tables. The research is designed to identify the
customers’ perception toward the e-banking and what are the reasons of low adoptability of

e-banking. A proper design is very important to confirm that whether, method and technique
are chosen for the research is going in the direction of expected result or not. Benefits of
quantitative research design are cost effectiveness, flexible sources, realistic data etc.
Source: Kaushi, no date)
Researchphilosophy:
A positivism philosophy is chose for the research. It is belongs to the epistemology which is
specified for the approach of knowing through observation. This philosophy will be
implemented for collecting data from the people of rural area about reasons of low
adoptability of e-banking. According to the positivism philosophy role of researcher is
limited to data collection and after that data will be interpreted on the basis of hypothesis.
Finding will be observable and quantifiable as it is defined in the introduction and hypothesis.
So the because all above reasons researcher chose the positivism philosophy for achieving the
quantitative result that which are the main three reason of lo adoptability of e-banking.

ResearchApproach:
There are two type of research deductive and inductive. Inductive is relevant to the
qualitative research and use research question to narrow the scope of research. Deductive is
for the quantitative research and often begins with hypothesis.
As this research is quantitative research and also have assumption that seven reasons of low
adoptability of e-banking of Uttar Pradesh state are same reason of Haryana state in India. So
that for proving the assumption wrong or right deductive approach is suitable for this
research.
Researchstrategy:
As it is clear from the statement of research topic that researcher need data for analysing,
which three reasons are affecting more out of seven?
So, in this research quantitative method will be used for data collection and the source of data
collection will be survey. Because it very important to chose a right tool for the getting true
data from the people such as questionnaire, articles etc. For the literature review researcher
will use some articles, journals, books and government websites for statistical data relevant to
internet banking.
Researcher will do face-to-face survey in the 10 villages of Haryana for finding the three
main reasons of low adoptability of e-banking. Researcher will give adequate time to people
for fill up questionnaire. Researcher will do paper survey and filled-up the questionnaire by
personal visit in each village. Time of visits in each location and data collection is described
in the time plan mentioned in the appendices.
Sampling
Selecting Respondents:
It is very important to do proper sampling because whole research is based on it. In this
research researcher selected 500 people as a sample from 10 villages of Haryana state. 50
people will be chose from each village and divided into three different age group a) below 20,
b) between ‘21’ to ‘35’ and c) between ‘36’ to ‘45’. Name of 10 villages are listed below:
1) Bound,2) Sirsa, 3) Phogat, 4) Bawani Khera, 5) Bamla, 6) Devsar, 7) Ranila, 8) Bass, 9)
Dinod and 10) Takri.
Research primary method is survey decided for data collection, researcher will distribute
questionnaire on the bus stop, outside of colleges and banks because bus stop is a location
where researcher can meet all type of people like different age group, different education
level etc. And outside of colleges researcher can meet to the large group of people. Outside of

bank researcher can distribute questionnaires and will get most effective data because people
who are coming into the bank would more efficient in choosing main three reason of low
adoptability of e-banking.
Data collection instruments:
As this is a quantitative research so researcher selected the survey as a tool of data collection.
To be filled out the questionnaire researcher will meet directly to the respondent and instantly
get the data. For the survey respondent will be chose from 10 different villages of Haryana
because it will be beneficial to find out the different perception of different location people.
In Haryana there are approximately 4000 villages it is difficult to do research on whole
Haryana in 12 week limited time and it is very large in size. So researcher selected 10 mix
villages banked and non-banked. Furthermore, all these villages are located in the small
distance. It will facilitate comfortable visit and also reduce the time of travelling.
There are some possibilities of emerging problem during the data collection process such as
due to a busy schedule people don’t give response; sometime without reading properly people
tick the answer randomly, language can also be the reason of problem because researcher
makes the questionnaire in the English language and India’s language is Hindi. These are
some problem which may affect the data collection process.
Method of implementation will be direct contact to the respondent face to face is a best way
to collect data. It facilitate quick response because researcher can convince the people
through request and researcher also decided to give a small gift to all respondent like a pen,
friendship band, chocolate etc.
Data Analysis Procedure:
Data collection method is paper based questionnaire in this research. The research topic is
already based on the less usage of internet. Except physical data collection there is no option
such as e-mail, phone etc and phone will be difficult to contact 500 people. So to gather
correct data, researcher has to do survey on paper with direct contact. This paper based data
will need to convert it into the computer data and then researcher can upload it into the data
analysis software.
This research is quantitative study researcher need any software to coding the questionnaire
such as SPSS would be used for the coding of questionnaire data.
Research ethic:

Researcher will collect the data by directly interaction with the respondent. It is very
necessary to keep in mind about the ethical norms. There is list of ethical principals which
will be followed by the researcher at time of doing contact with respondent directly:
 Honesty: researcher should present real report data, results, methods and procedure.
Never show the falsie or misrepresent data.
 Researcher should avoid bias or self-deception. Do not disclose personal or financial
interests.
 Avoid careless errors and negligence; carefully and critically examine own work.
Maintain proper records of research activities such as data collection, research design
etc.
 Researcher should share data, results, ideas, and resources. Keep open all things for
criticism and new ideas.
 Do not use unpublished data, methods without permission. Never plagiarize.
 At the time of research conduct with the respondent always keep in mind about the
human privacy, confidentiality, anonymity, care of vulnerable groups, etc.
Limitations:
 Limited time: researcher took a large sample group of 500 people and also need to
visit 10 different villages. It will consume lots of time approximately 4 weeks which
a long time.
 Only paper based data collection: due to the paper based survey it will create some
difficulties such as need to convert it into a form in which researcher would be able to
upload on the computer for using SPSS software to analyse data. Another issue is that
paper based survey is much costlier than other tools.
 Big sample size may create the problem in data collection.
 Nowadays, due to busy schedule people don’t have time for such type activities like
survey, take leaflet and talk to sales person. So there are some chances of getting
difficulties in the data collection. Some people give response randomly without
proper reading that type of information create problem in gathering fair data.

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services of State Bank of India. Available at:
http://worldwidejournals.com/paripex/file.php?val=February_2013_1360930479_80d34_15.p
df.
Roger (1980) Innovation Diffusion Theory.
Saha, A. (2015) INDIA@ DIGITAL BHART.
Shukla (2011) ‘E-Banking: Problems and Prospects’.
Sikdar, P. (2013) ‘INTERNET BANKING in INDIA – A PERSPECTIVE on BENEFITS
and CHALLENGES INVOLVED’.
Singh, A. (2013) ‘E-BANKING IN SUBURBAN INDIA’.
Singh, C. (2014) ‘Financial Inclusion in India: Select Issues’.
The Rise in Internet Penetration and the Changing Face of Digital India (no date) iamwire.
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Vyas, S. (2010) ‘Impact of E-Banking on Traditional Banking Services’.
(2012) ‘Indians using internet prefer e-banking to online shopping’, 6 April.

Appendices:
Questionnaire: to identifying the three main reason of low adoptability of internet
banking in villages of Haryana state.
1. What is your age group?
a) Below 20
b) Between 21 to 35
c) Between 36 to 45
2. What is your occupation?
a) Student
b) Business
c) Employee
3. Have you ever used any E-banking service?
a) Yes b) No
If yes, which service have you used?
a) Bills payment
b) Order check book
c) Fund transfer
d) Make any account enquiry
e) Process Payroll
f) Other

4. Choose three reasons out of the following seven reasons of low adoptability of e-
banking in your village?
a) High rate of illiteracy,
b) Fear of fraud,
c) Unable to afford cost of internet,
d) Lack of awareness about e-banking,
e) Languages barriers,
f) Unavailability of internet network connection
g) Unbanked villages.
5. Give rank to the above selectedreasons?
a) High rate of illiteracy,
b) Fear of fraud,
c) Unable to afford cost of internet,
d) Lack of awareness about e-banking,
e) Languages barriers,
g) Unbanked villages.
6. Out of three selected reasons of low adoptability of e-banking which one need to solve
first?
a) High rate of illiteracy
b) Fear of fraud
c) Unable to afford cost of internet
d) Lack of awareness about e-banking
e) Languages barriers

g) Unbanked villages
Other relevant question to the usage of e-banking in villages of Haryana
7. Which type e-banking service you are using currently?
a) Bills payment
b) Order check book
c) Fund transfer
d) Make any account enquiry
e) Process Payroll
f) Other
8. Are you satisfied with services, chosen in above question?
a) Satisfied
b) Very satisfied
c) Unsatisfied
d) Neutral
9. How often do you use e-banking?
a) Daily
b) Weekly
c) Monthly
d) Never
10. How long are you using e-banking?
a) 1-2 year

b) 1 year -6 month
c) 6 month-1 month

ResearchTime Plan
ResearchTime Plan
DD/M
M
DD/MM DD/M
M
DD/M
M
DD/MM DD/
MM
DD/M
M
DD/M
M
DD/M
M
DD/M
M
DD/MM DD/MM
Task
Week 1 Week 2 Week
3
Week
4
Week 5 Week
6
Week
7
Week
8
Week
9
Week
10
Week 11 Week 12
Formulation of questionnaires
and other research related
enquires
In
college
First Location
Second location
In
Baund,
Sirsa,
Haryana
(India)
In
Phogat,
Bawani
,haryan
a
(India)
In
Bamala
In
Ranila,

Third Location
Fourth Location
,Devsar
,Harya
na,
(India)
Bass,
Haryana
(India)
Fifth Location
Sixth Location
In
Dinod
Takri,
Harya
na
(India
)

Collection and Verification
of data
In
India
Survey at new location in
case of insufficient data
In
Haryan
a
Completion of data with
aspects to research and
writing theory -1
Verific
ation
with
supervi
or
Skype
Completion of data with
aspects to research and
Verific
ation
with
supervi

writing theory -2 or on
|Skype
Conclusion and Submission Submi
sion

RM2

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