research paper on banking
Volume : 1 | Issue : 9 | September 2012
ISSN - 2250-1991
Finance
Research Paper
A Study on Customers’perception towards
Internet Banking at Ahmedabad City
*Ms. Varsha Kuchara
*Assistant Professor, K.P.Patel School of Management & Computer Studies, Kapadwanj
ABSTRACT
Internet banking is a new delivery channel for banks in India. The Internet banking channel is both an informative and a transactional medium. Internet Banking and Mobile Banking made it convenient for customers to do their banking from geographically diverse places. However, Internet banking has not been popularly adopted in India as expected. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users’ outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. The objective of this paper is to find the perception of Internet banking users. The profiles may be used to target and attract potential customers to adopt Internet banking.
Keywords: Internet Banking, ATM, Perception, Online
1. INTRODUCTION: INTERNET BANKING IN INDIA
The Traditional Functions of Banking were limited to accept deposits and to give loans and advances. Today banking is known as Innovative Banking. Information technology has given rise to new innovations in the product designing and their delivery in the banking and finance industries, customer services and customer satisfaction are their prime work.
Customers access e-banking services using an intelligent electronic device such as personal computer, Automated teller machine etc. There are five basic services associated with online banking: view account balances and transaction histories; paying bills; transferring funds between accounts; requesting credit card advances; and ordering
ISSN - 2250-1991
Finance
Research Paper
A Study on Customers’perception towards
Internet Banking at Ahmedabad City
*Ms. Varsha Kuchara
*Assistant Professor, K.P.Patel School of Management & Computer Studies, Kapadwanj
ABSTRACT
Internet banking is a new delivery channel for banks in India. The Internet banking channel is both an informative and a transactional medium. Internet Banking and Mobile Banking made it convenient for customers to do their banking from geographically diverse places. However, Internet banking has not been popularly adopted in India as expected. Being a savings based culture still, Indian consumers are cautious about their financial assets. They are also relatively recent entrants to internet based services. Design of these systems must therefore be based on an understanding of these users’ outlook and priorities through task centric, security assured and service oriented solutions minus the technological challenges. The objective of this paper is to find the perception of Internet banking users. The profiles may be used to target and attract potential customers to adopt Internet banking.
Keywords: Internet Banking, ATM, Perception, Online
1. INTRODUCTION: INTERNET BANKING IN INDIA
The Traditional Functions of Banking were limited to accept deposits and to give loans and advances. Today banking is known as Innovative Banking. Information technology has given rise to new innovations in the product designing and their delivery in the banking and finance industries, customer services and customer satisfaction are their prime work.
Customers access e-banking services using an intelligent electronic device such as personal computer, Automated teller machine etc. There are five basic services associated with online banking: view account balances and transaction histories; paying bills; transferring funds between accounts; requesting credit card advances; and ordering