ARTICLE ON E- BANKING (original) (raw)
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International Journal of Management and Social Sciences (IJMSS), 2013
The aim of this research article is to study the satisfaction levels in using of Internet Banking Services and to analyze the causes for not using of Internet Banking Services and also to determine the perceived importance of diverse Internet Banking Services in Tirupati area of Andhra Pradesh. As for the methodology of the present investigation, it is based on both primary and the secondary data had to be
Customer Satisfaction on e-banking; A study with special reference to Mayiladuthurai
2011
Electronic banking or e-banking is automated delivery of new and traditional banking products and services directly to the customer through electronic communication like computer, ATMs, and internet websites. The customer satisfaction level based on the analysis of data relating to 200 respondents indicates that there is significant correlation between age and occupation with other factors. In the analysis it was observed that particular age group have used these services, the satisfaction of the customer majorly influenced the convenience, awareness, and responsiveness. In the present technology society, most of the banking customer prefer and switch to e-banking facilities. So the banker may improve their services, loyalty to customers and their retention by increasing awareness of other age groups and concentrating on the factors contributing customer satisfaction.
In Today's scenario role of e-banking is very valuable. Without e-banking no banks can work. In this study we analyse, how much e-banking used in Public and Private sectors bank? (in reference to SBI and HDFC bank) Objective of the study is to find the consumer satisfaction in respect of e-banking and the perception of employees for using e-banking in Public and Private sectors banks. The method of the study is Primary and Secondary both. Study showed perception of customer regarding service quality and satisfaction of employee in internet banking services. As well as this study analyze the working style as a comparison between Public and Private sectors banks in respect of SBI and HDFC bank.
International Journal of Scientific & Technology Research, 2019
Banking segments in India have been on the up of late due to high liquidity, changing demographic profiles, changing interest rates, and increasing demand for the consumer. Brief scrutiny of the Indian banking industry would extract the reasons behind the current scenario governed by the Banking Regulation Act of India, 1949. The Indian banking industry can be broadly classified into two major categories: Non-scheduled banks and Scheduled banks. This research paper aims to study the impact of internet banking services on customer satisfaction at public and private sector banks. Questionnaires were designed by the researchers. The primary data have been collected by using a structured questionnaire from 525 selected respondents as random bases. Research Tools for Data Analysis, collected has been analyzed using SPSS. Statistical tools such as percentage, Chi-square, and independent Sample Test (Z Test) have been used for data analysis. The study attempted to explain the various means of internet banking services that might lead to customer satisfaction. This paper showed that banking service over the internet has a positive impact on customer satisfaction. This study recommended that both sector banks should focus on spreading the knowledge of electronic banking services to the customers. This study highlighted that electronic banking services highly recommend and should spread technical awareness among current and potential customers, and develop the suitable groundwork for electronic banking services for customer satisfaction.
Customer Perception and Emergence of Electronic Banking: A Case Study on Kolkata
transformation. Competition is compelling the banks to make radical internal and external changes in their dayto-day functioning. Information technology is a crucial parameter for transformation in structure, work-culture, functioning, and business re-engineering. E-banking services are replacing traditional services and creating a new scale in transformation. In the initial stage, e-channels were introduced in metropolitan cities and urban areas, but recently some banks have started focusing on rural and semi-urban areas. The different e-channels such as ATMs, credit and debit cards, tele-banking, mobilebanking, online banking and smart cards are changing the face of the Indian banks. New private sector banks and foreign banks are attracting customers in a big way. The potential customers and big companies are shifting their accounts from traditional banks (not fully computerised) to e-banks (fully computerised and provide different e-channels). New private sector banks are taking the lead in capturing rural and semi-urban sector. If traditional banks, mostly public sector banks, do not transform their business by introducing IT, their survival will become difficult. Therefore, e-banking services are a potent factor for transformation in this e-age.
Customers' Demographic Profile and Satisfaction in E-Banking Services: A Study of Indian Banks
International Journal for Business, Strategy and Management, 2011
The present study focuses on demographic profile of the customers and its relationship with perception of service quality, service value and overall satisfaction in e-banking. Required data was collected through survey of the customer (N= 190) of Indian public and private sector banks in Satara city. Collected data was analyzed using SPSS 19.0, descriptive statistics, Mann-Whitney U and Kruskal Wallis Test was used to test hypothesis under study. A statistical result of empirical study shows that, demographic characteristics (except gender) were influencing perceived service quality, perceived value and satisfaction in e-baking. The present study indicates that, perceived service quality, perceived value from e-banking service and overall satisfaction in e-banking were differ by age group, level of education, profession of the customers and income level of the customers. However, there was no difference in perception of service quality, perceived value and overall satisfaction in e-banking by gender. Therefore, author recommends to the bankers and service designers to develop their service and features of e-banking service according to the special needs of the customers belonging to various age groups, level of education, profession and income level. Basically, young customers (below 25) expect more features in e-banking because they have good idea about using modern services. Therefore, banks should enhance their services according to their expectations also, but don't ignore expectations of elder customers. Customers belongs to more than 35 years expects easiness in the using e-banking services. Highly educated peoples have skill of using IT based service but semi literate and low educated peoples have not right idea about using IT based service. Therefore, e-banking services should design with considering needs and difficulties in using e-banking services for low educated peoples. Every profession and peoples from various income groups needs some different service features from e-banking. Expected service features would create positive environment to getting more perceived value and satisfaction. Therefore, banks should develop their e-banking services according to expectations of various business and professions and income groups.
International Journal of Management and Social Science Research Review, 2015
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 facilitates an effective payment and accounting system thereby enhancing the speed of delivery of banking services considerably. The present paper is concerned with the various ways of doing banking electronically. The present article throws light on the customer aspect of e banking services and the customer satisfaction level. It also gives a comparative study of customer’s perception of e banking services offered from Public sector and Private sector banks. Key Words: E-Banking, Customer Satisfaction, Banking Services, Customer’s Perception.
A JOURNAL OF COMPOSITION THEORY, 2019
E-banking is the system that provides the facility to the customer to conduct the financial and non-financial transactions from his net banking account. The user can transfer funds from his account to other accounts of the same bank/different bank using a website or an online application. The customer uses a resource and a medium to conduct financial transactions. The resource that a customer uses might be an electronic device like a computer, a laptop, or a mobile phone. The internet is the medium that makes the technology possible. The facility of internet banking is provided through banks and the customer must be an account holder with any bank to get the facility available for him/her.
International Journal of Management Studies, 2018
The banks in India and also across the globe have contributed to the evolution of electronic banking as one of the most innovative services. The mutation through the traditional banking initiated by the application of Automatic Teller Machines (ATMs), Electronic Fund Transfer (EFT), direct bill payment etc. With the scope of development in the field of education along with the rising awareness among users, there has been a generation of a revolution in the process of online banking. Customers are voluntarily accepting the application of e-banking services that further allowed them to maintain their accounts at a minimum cost from anywhere at any time. This paper mainly reviews the researchers conducted by various researchers on the evolution of e-banking in India with the significant pros and cons related to it and how the online banking facilities have been affected as well as customer's satisfaction and quality of e banking services in South Goa. It would also discuss the influencing criterion for online customers satisfaction with the overall service quality of their banks.