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Technology enabled banking services like ATM, internet" /> <meta property="article:author" content="https://stadiumroadpomarianidistrict.academia.edu/RanjuBharali" /> <meta name="description" content="The information and communication technology has a profound impact on the working of banking sector. The success of banking depends upon the customer base and the satisfaction of consumer. Technology enabled banking services like ATM, internet" /> <title>(PDF) Evolving Technology in Indian Banking Sector: An Overview | Ranju K U M A R Bharali - Academia.edu</title> <link rel="canonical" href="https://www.academia.edu/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview" /> <script async src="https://www.googletagmanager.com/gtag/js?id=G-5VKX33P2DS"></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'G-5VKX33P2DS', { cookie_domain: 'academia.edu', send_page_view: false, }); gtag('event', 'page_view', { 'controller': "single_work", 'action': "show", 'controller_action': 'single_work#show', 'logged_in': 'false', 'edge': 'unknown', // Send nil if there is no A/B test bucket, in case some records get logged // with missing data - that way we can distinguish between the two cases. // ab_test_bucket should be of the form <ab_test_name>:<bucket> 'ab_test_bucket': null, }) </script> <script> var $controller_name = 'single_work'; var $action_name = "show"; var $rails_env = 'production'; var $app_rev = '49879c2402910372f4abc62630a427bbe033d190'; var $domain = 'academia.edu'; var $app_host = "academia.edu"; var $asset_host = "academia-assets.com"; var $start_time = new Date().getTime(); var $recaptcha_key = "6LdxlRMTAAAAADnu_zyLhLg0YF9uACwz78shpjJB"; var $recaptcha_invisible_key = "6Lf3KHUUAAAAACggoMpmGJdQDtiyrjVlvGJ6BbAj"; var $disableClientRecordHit = false; </script> <script> window.require = { config: function() { return function() {} } } </script> <script> window.Aedu = window.Aedu || {}; window.Aedu.hit_data = null; window.Aedu.serverRenderTime = new Date(1732513893000); window.Aedu.timeDifference = new Date().getTime() - 1732513893000; </script> <script type="application/ld+json">{"@context":"https://schema.org","@type":"ScholarlyArticle","abstract":"The information and communication technology has a profound impact on the working of banking sector. The success of banking depends upon the customer base and the satisfaction of consumer. Technology enabled banking services like ATM, internet banking and mobile banking not only enlarges customer base but also increases satisfaction of the consumer. Technology is important to build a strong banking system and a strong banking system is the need for inclusive growth. Against this background this paper discusses historical development of Indian banking and the progress of technology in Indian banking with emphasis on Automated teller Machine, internet banking and mobile banking. Key words: Evolving, Technology, Indian banking, ATM, Internet banking, Mobile banking","author":[{"@context":"https://schema.org","@type":"Person","name":"Ranju K U M A R Bharali"}],"contributor":[],"dateCreated":"2024-09-03","dateModified":"2024-09-03","datePublished":"2023-01-01","headline":"Evolving Technology in Indian Banking Sector: An Overview","inLanguage":"en","keywords":["Agricultural Economics","Economy of Rural Development","Financial Economy"],"locationCreated":null,"publication":"International Journal of Creative Research Thoughts","publisher":{"@context":"https://schema.org","@type":"Organization","name":null},"image":null,"thumbnailUrl":null,"url":"https://www.academia.edu/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview","sourceOrganization":[{"@context":"https://schema.org","@type":"EducationalOrganization","name":"stadiumroadpomarianidistrict"}]}</script><link rel="stylesheet" media="all" 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"https://www.academia.edu/login?post_login_redirect_url=https%3A%2F%2Fwww.academia.edu%2F123534018%2FEvolving_Technology_in_Indian_Banking_Sector_An_Overview%3Fauto%3Ddownload"; window.loswp.translateUrl = "https://www.academia.edu/login?post_login_redirect_url=https%3A%2F%2Fwww.academia.edu%2F123534018%2FEvolving_Technology_in_Indian_Banking_Sector_An_Overview%3Fshow_translation%3Dtrue"; window.loswp.previewableAttachments = [{"id":117943433,"identifier":"Attachment_117943433","shouldShowBulkDownload":false}]; window.loswp.shouldDetectTimezone = true; window.loswp.shouldShowBulkDownload = true; window.loswp.showSignupCaptcha = false window.loswp.willEdgeCache = false; window.loswp.work = {"work":{"id":123534018,"created_at":"2024-09-03T21:44:16.488-07:00","from_world_paper_id":null,"updated_at":"2024-10-04T09:39:02.236-07:00","_data":{"abstract":"The information and communication technology has a profound impact on the working of banking sector. The success of banking depends upon the customer base and the satisfaction of consumer. Technology enabled banking services like ATM, internet banking and mobile banking not only enlarges customer base but also increases satisfaction of the consumer. Technology is important to build a strong banking system and a strong banking system is the need for inclusive growth. Against this background this paper discusses historical development of Indian banking and the progress of technology in Indian banking with emphasis on Automated teller Machine, internet banking and mobile banking.\nKey words: Evolving, Technology, Indian banking, ATM, Internet banking, Mobile banking\n","publication_date":"2023,,","publication_name":"International Journal of Creative Research Thoughts"},"document_type":"paper","pre_hit_view_count_baseline":null,"quality":"high","language":"en","title":"Evolving Technology in Indian Banking Sector: An Overview","broadcastable":true,"draft":null,"has_indexable_attachment":true,"indexable":true}}["work"]; window.loswp.workCoauthors = [277319724]; window.loswp.locale = "en"; window.loswp.countryCode = "SG"; window.loswp.cwvAbTestBucket = ""; window.loswp.designVariant = "ds_vanilla"; window.loswp.fullPageMobileSutdModalVariant = "full_page_mobile_sutd_modal"; window.loswp.useOptimizedScribd4genScript = false; window.loswp.appleClientId = 'edu.academia.applesignon';</script><script defer="" src="https://accounts.google.com/gsi/client"></script><div class="ds-loswp-container"><div class="ds-work-card--grid-container"><div class="ds-work-card--container js-loswp-work-card"><div class="ds-work-card--cover"><div class="ds-work-cover--wrapper"><div class="ds-work-cover--container"><button class="ds-work-cover--clickable js-swp-download-button" data-signup-modal="{"location":"swp-splash-paper-cover","attachmentId":117943433,"attachmentType":"pdf"}"><img alt="First page of “Evolving Technology in Indian Banking Sector: An Overview”" class="ds-work-cover--cover-thumbnail" src="https://0.academia-photos.com/attachment_thumbnails/117943433/mini_magick20240904-1-b2gxou.png?1725425051" /><img alt="PDF Icon" class="ds-work-cover--file-icon" src="//a.academia-assets.com/assets/single_work_splash/adobe.icon-574afd46eb6b03a77a153a647fb47e30546f9215c0ee6a25df597a779717f9ef.svg" /><div class="ds-work-cover--hover-container"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span><p>Download Free PDF</p></div><div class="ds-work-cover--ribbon-container">Download Free PDF</div><div class="ds-work-cover--ribbon-triangle"></div></button></div></div></div><div class="ds-work-card--work-information"><h1 class="ds-work-card--work-title">Evolving Technology in Indian Banking Sector: An Overview</h1><div class="ds-work-card--work-authors ds-work-card--detail"><a class="ds-work-card--author js-wsj-grid-card-author ds2-5-body-md ds2-5-body-link" data-author-id="277319724" href="https://stadiumroadpomarianidistrict.academia.edu/RanjuBharali"><img alt="Profile image of Ranju K U M A R Bharali" class="ds-work-card--author-avatar" src="https://0.academia-photos.com/277319724/126275924/155258601/s65_ranju.bharali.jpg" />Ranju K U M A R Bharali</a></div><p class="ds-work-card--detail ds2-5-body-sm">2023, International Journal of Creative Research Thoughts</p><p class="ds-work-card--work-abstract ds-work-card--detail ds2-5-body-md">The information and communication technology has a profound impact on the working of banking sector. The success of banking depends upon the customer base and the satisfaction of consumer. Technology enabled banking services like ATM, internet banking and mobile banking not only enlarges customer base but also increases satisfaction of the consumer. Technology is important to build a strong banking system and a strong banking system is the need for inclusive growth. Against this background this paper discusses historical development of Indian banking and the progress of technology in Indian banking with emphasis on Automated teller Machine, internet banking and mobile banking. Key words: Evolving, Technology, Indian banking, ATM, Internet banking, Mobile banking </p><div class="ds-work-card--button-container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--work-card","attachmentId":117943433,"attachmentType":"pdf","workUrl":"https://www.academia.edu/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview"}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--work-card","attachmentId":117943433,"attachmentType":"pdf","workUrl":"https://www.academia.edu/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview"}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div></div></div><div data-auto_select="false" data-client_id="331998490334-rsn3chp12mbkiqhl6e7lu2q0mlbu0f1b" data-doc_id="117943433" data-landing_url="https://www.academia.edu/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview" data-login_uri="https://www.academia.edu/registrations/google_one_tap" data-moment_callback="onGoogleOneTapEvent" id="g_id_onload"></div><div class="ds-top-related-works--grid-container"><div class="ds-related-content--container ds-top-related-works--container"><h2 class="ds-related-content--heading">Related papers</h2><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="0" data-entity-id="21808113" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/21808113/Journal_of_Internet_Banking_and_Commerce_Prospects_and_Challenges_of_Technological_Innovation_in_Banking_Industry_of_North_East_India">Journal of Internet Banking and Commerce Prospects and Challenges of Technological Innovation in Banking Industry of North East India</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="15739592" href="https://tezu.academia.edu/KamleshwarBoro">Kamleshwar Boro</a></div><p class="ds-related-work--abstract ds2-5-body-sm">The objective of this paper is to study the prospects and challenges of technological innovations of banks like ATMS, credits cards, debit cards, internet banking, mobile-banking, ECS, RTGS and Mobile Wallet in North East India. The increasing internet penetration and mobile subscribers in rural as well as urban areas have created a huge opportunity for banking institutions to look beyond traditional form of brick and mortar branch banking. The North East India comprising of 8 states is an important jurisdiction for study agreeing the fact that the region has been neglected and cut from the rest of mainland India due to political, geographical, cultural and socio economic differences. This paper aims to broaden studies related to technological innovation within banking industry in the North East India. Indepth interview was conducted with 50 bank respondents regarding issues, prospects and challenges of technological innovation within banks. Views received in line with research objectives were analyzed and group together through simple frequency table and percentage. The results showed that most customers availing technological mediums for banking purpose are young customers and ATM is the most basic form of technological medium which consumers are highly aware and using it, against comparison with other technological mediums such as credit cards, PC banking, mobile banking, internet banking, NEFT, RTGS and Mobile Wallets.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Journal of Internet Banking and Commerce Prospects and Challenges of Technological Innovation in Banking Industry of North East India","attachmentId":42568276,"attachmentType":"pdf","work_url":"https://www.academia.edu/21808113/Journal_of_Internet_Banking_and_Commerce_Prospects_and_Challenges_of_Technological_Innovation_in_Banking_Industry_of_North_East_India","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/21808113/Journal_of_Internet_Banking_and_Commerce_Prospects_and_Challenges_of_Technological_Innovation_in_Banking_Industry_of_North_East_India"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="1" data-entity-id="52931427" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/52931427/A_Study_on_Effective_Role_of_Technology_in_Improving_Banking_System_in_India">A Study on Effective Role of Technology in Improving Banking System in India</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="12031266" href="https://amity.academia.edu/AmrishChoubey">Amrish Choubey</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Management Studies</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"A Study on Effective Role of Technology in Improving Banking System in India","attachmentId":69955247,"attachmentType":"pdf","work_url":"https://www.academia.edu/52931427/A_Study_on_Effective_Role_of_Technology_in_Improving_Banking_System_in_India","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/52931427/A_Study_on_Effective_Role_of_Technology_in_Improving_Banking_System_in_India"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="2" data-entity-id="35678482" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/35678482/Study_on_the_Changing_landscape_of_financial_Services_in_Indian_Banking_System_Opportunities_and_Challenges">Study on the Changing landscape of financial Services in Indian Banking System- Opportunities and Challenges</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="55046815" href="https://allianceu.academia.edu/PRADEEPMULLEKYALDEVADASAN">PRADEEP MULLEKYAL DEVADASAN</a></div><p class="ds-related-work--abstract ds2-5-body-sm">Financial institutions are the backbone of the Indian economy. Since economic liberalization after 1990, the Indian banking sector has witnessed growth along with remarkable improvement in its quality of assets and efficiency. Information Technology has become one's way of life in today's world that, it is difficult to imagine a world without IT. Technology which facilitates handling increased volumes at higher levels of efficiency. Hence, there is an imperative need for not mere technology up gradation but also integration of technology with the general way of functioning of banks. The Banking sector is no exception to this changing scenario which is sweeping across the world. Technology has given birth to a new era in banking. Indian banks are continuously encouraging the investment in information technology through ATMs, Net-banking, Mobile and Tele-banking, Automation of the banks, increasing use of plastic money, and the establishment of call centers. Nowadays banks are moving from disbursed operations to a centralized environment, powered by Information Technology. Banks are using new tools and techniques to reach better to its customers by offering tailor made products and Services. The changes in the banking landscape facilitated banks to compete in the new environment. Banks of the future will be a user friendly enterprise with technology aiming to achieve sustainable and valued business status. Information Technology has been imbibed in the banking operations with a vision to provide “Anytime Anywhere Banking” with customized services. In this paper we have discussed and analyzed the Changing landscape of financial Services in Indian Banking System in terms opportunities and challenges of technological developments, legal regulatory framework, and risk management.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Study on the Changing landscape of financial Services in Indian Banking System- Opportunities and Challenges","attachmentId":55549188,"attachmentType":"pdf","work_url":"https://www.academia.edu/35678482/Study_on_the_Changing_landscape_of_financial_Services_in_Indian_Banking_System_Opportunities_and_Challenges","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/35678482/Study_on_the_Changing_landscape_of_financial_Services_in_Indian_Banking_System_Opportunities_and_Challenges"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="3" data-entity-id="31198273" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/31198273/Impact_of_Technology_on_Banking_Sector_in_India">Impact of Technology on Banking Sector in India</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="59611458" href="https://independent.academia.edu/jayashitut">jaya shitut</a></div><p class="ds-related-work--abstract ds2-5-body-sm">In the world of banking and finance nothing stands still. The biggest change of all is in the, scope of the business of banking. Banking in its traditional from is concerned with the acceptance of deposits from the customers , the lending of surplus of deposited money to suitable customers who wish to borrow and transmission of funds. Apart from traditional business, banks now days provide a wide range of services to satisfy the financial and non financial needs of all types of customers from the smallest account holder to the largest company and in some cases of non customers. The range of services offered differs from bank to bank depending mainly on the type and size of the bank. Technology has been one of the most important factors for the development of mankind. Information and communication technology is the major advent in the field of technology which is used for access, process, storage and dissemination of information electronically. Banking industry is fast growing with the use of technology in the from of ATMs, on-line banking, Telephone banking, Mobile banking etc., plastic card is one of the banking products that cater to the needs of retail segment has seen its number grow in geometric progression in recent years. This growth has been strongly supported by the development of in the field of technology, without which this could not have been possible of course it will change our lifestyle in coming years.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Impact of Technology on Banking Sector in India","attachmentId":51618011,"attachmentType":"pdf","work_url":"https://www.academia.edu/31198273/Impact_of_Technology_on_Banking_Sector_in_India","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/31198273/Impact_of_Technology_on_Banking_Sector_in_India"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="4" data-entity-id="99546352" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/99546352/A_Study_on_Recent_Trends_and_Development_in_the_Indian_Banking_Industry">A Study on Recent Trends and Development in the Indian Banking Industry</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="6079060" href="https://independent.academia.edu/IJRASETPublication">IJRASET Publication</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal for Research in Applied Science & Engineering Technology (IJRASET), 2023</p><p class="ds-related-work--abstract ds2-5-body-sm">Banks are essential for converting citizen savings into investments. A solid banking system is essential for establishing sustainable growth of a nation. Banks conduct a variety of agency tasks, including providing financial advice, selling insurance and investment goods, and more, in addition to accepting deposits and disbursing loans. Technology is essential to the effective operation of banks and other financial organisations. These institutions' online and mobile banking platforms have greatly improved. The application of artificial intelligence and the digitalization of financial services have changed the entire banking experience, enabling institutions to reduce risks and expenses while increasing client happiness. The paper looks at the trends and development in the banking environment of India. I.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"A Study on Recent Trends and Development in the Indian Banking Industry","attachmentId":100605891,"attachmentType":"pdf","work_url":"https://www.academia.edu/99546352/A_Study_on_Recent_Trends_and_Development_in_the_Indian_Banking_Industry","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/99546352/A_Study_on_Recent_Trends_and_Development_in_the_Indian_Banking_Industry"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="5" data-entity-id="2284979" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/2284979/Impact_of_information_technology_on_Indian_banking_services">Impact of information technology on Indian banking services</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="2886637" href="https://uniben.academia.edu/azeeztijani">azeez tijani</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2012</p><p class="ds-related-work--abstract ds2-5-body-sm">Technological innovations witnessed by the banking sector during the nineties have changed the way business needs to be conducted. IT has introduced new business paradigms and is increasingly playing a significant role in improving the services in the ban king industry. The paper aims to explore some important and popular IT enabled services of banking institutions, its benefits and issues at present.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Impact of information technology on Indian banking services","attachmentId":50686490,"attachmentType":"pdf","work_url":"https://www.academia.edu/2284979/Impact_of_information_technology_on_Indian_banking_services","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/2284979/Impact_of_information_technology_on_Indian_banking_services"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="6" data-entity-id="77282089" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/77282089/Indian_Banking_A_Long_Journey_of_Incredible_Transformation_from_Traditional_Branch_Banking_to_Digital_Banking">Indian Banking-A Long Journey of Incredible Transformation from Traditional Branch Banking to Digital Banking</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="113211414" href="https://independent.academia.edu/UpendraSastryS">Upendra Sastry S</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2021</p><p class="ds-related-work--abstract ds2-5-body-sm">Existence of a sound financial system with Banks constituting an integral part of it is a pre-requisite for any country to prosper, without India being an exception to this. As repositories of deposits and purveyors of credit, Banks play a strategic role in the sustainable socioeconomic development of our country. Though , the Banks in our country have initially started their journey by choosing the path of serving the banking needs of only the affordable and affluent sections and continued such system during the PreIndependence Period, like other sectors of our economy, even Banking Sector is also expected to be responsive to the needs of the disadvantaged sections, to enable the Union Government to accomplish the goals of the socialistic pattern of societythe path chosen by the Government after the attainment of Independence. As the Social Banking and Mass Banking have become the crying needs for the Government, to make weaker sections and vulnerable groups enjoy access to the for...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Indian Banking-A Long Journey of Incredible Transformation from Traditional Branch Banking to Digital Banking","attachmentId":84685193,"attachmentType":"pdf","work_url":"https://www.academia.edu/77282089/Indian_Banking_A_Long_Journey_of_Incredible_Transformation_from_Traditional_Branch_Banking_to_Digital_Banking","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/77282089/Indian_Banking_A_Long_Journey_of_Incredible_Transformation_from_Traditional_Branch_Banking_to_Digital_Banking"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="7" data-entity-id="69431936" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/69431936/Recent_Technologies_in_Banking_Sector_in_India_and_Their_Impact">Recent Technologies in Banking Sector in India and Their Impact</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="133993482" href="https://independent.academia.edu/PriyaJhajharia">Priya Jhajharia</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of Natural Remedies, 2020</p><p class="ds-related-work--abstract ds2-5-body-sm">The technological metamorphosis witnessed by the banking field in the nineties has transformed the way business demands to be accomplished. The introduction of the IT sector has been increasing playing an important role by introducing new business standards to be maintained while also improving the services in the banking sector. The change that has taken place since the economic liberalization and globalization process began in 1991 has had a massive effect on the financial institution. The IT revolution has impressively broadened the goods&#39; reach and is transforming how budgetary business is carried out. This has further led to the expansion in the normal requests of the clients. Reforms of the banking system and reforms of the financial sector strengthen economic reforms as they are central. In June 1999, when the IT globe seems quite accessible with the implementation of Indian Financial Net, the IT transformation took place in Indian financial institutions, particularly the...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Recent Technologies in Banking Sector in India and Their Impact","attachmentId":79533097,"attachmentType":"pdf","work_url":"https://www.academia.edu/69431936/Recent_Technologies_in_Banking_Sector_in_India_and_Their_Impact","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/69431936/Recent_Technologies_in_Banking_Sector_in_India_and_Their_Impact"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="8" data-entity-id="74770633" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/74770633/Role_of_Information_Technology_in_Banking_Sector_with_Special_Reference_to_State_Bank_of_India">Role of Information Technology in Banking Sector with Special Reference to State Bank of India</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="25624914" href="https://jainuniversity.academia.edu/PallaviDR">Dr. Pallavi D R</a><span>, </span><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="10625682" href="https://restlabs.academia.edu/RamachandranManickam">Dr. Ramachandran Manickam</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Recent Trends in Management and Commerce, 2022</p><p class="ds-related-work--abstract ds2-5-body-sm">Liberalization and information technology have attracted many foreign banks to India, Opening up new markets, new products, and efficient delivery avenues for the banking sector. The banking sector plays an important role in the growth of the Indian economy. Increased penetration, productivity, and efficiency through the use of technology. This not only increased the cost-effectiveness but also helped to process small value transactions. It improves choices and creates new markets and improves productivity and efficiency. It is observed that financial markets in India have become a market for buyers. Commercial banks in India are now becoming supermarkets in one place with the introduction of value-added and customized products, the focus shifts from mass banking to class banking. Technology Banks do not hire people for manual operations Allows you to create a branch in the lobby of the commercial building. Tele Banking, ATMs, Internet Banking, Mobile Banking, and branches through e-banking operate on a 24 X 7 operating principle. These technology-based delivery channels at a low cost are used to reach maximum customers very efficiently. The beauty of these banking innovations is that they put both the banker and the customer in a successful environment. Efficient use of technology has many times the effect on growth and development.</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Role of Information Technology in Banking Sector with Special Reference to State Bank of India","attachmentId":82799918,"attachmentType":"pdf","work_url":"https://www.academia.edu/74770633/Role_of_Information_Technology_in_Banking_Sector_with_Special_Reference_to_State_Bank_of_India","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/74770633/Role_of_Information_Technology_in_Banking_Sector_with_Special_Reference_to_State_Bank_of_India"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div><div class="ds-related-work--container js-wsj-grid-card" data-collection-position="9" data-entity-id="103436992" data-sort-order="default"><a class="ds-related-work--title js-wsj-grid-card-title ds2-5-body-md ds2-5-body-link" href="https://www.academia.edu/103436992/Recent_innovations_in_indian_banking_sector">Recent innovations in indian banking sector</a><div class="ds-related-work--metadata"><a class="js-wsj-grid-card-author ds2-5-body-sm ds2-5-body-link" data-author-id="149541514" href="https://independent.academia.edu/MbaHod6">Mba Hod</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of Management and Science</p><p class="ds-related-work--abstract ds2-5-body-sm">The banking sector plays asignificant role in the development of a country&#39;s economy. The development of the banking sector depends on the services they provide to customers from different angles. New competitors into the market, new business models, changing customer expectations and the breakdown of traditional services are all pushing traditional banks to launch new technology in their operations. The revolution in the banking sector led to the introduction of Automated Teller Machines (ATM’s), Cash Deposit Machines (CDM), Debit cards and Credit cards, Cheque Truncation System (CTS), NEFT (National Electronic Fund Transfers), RTGS (Real Time Gross Settlement), Mobile banking, Internet banking etc. However technological advances around the world have created pressure to use better technology in the banking sector. This paper highlights the diverse innovative products and services offered by Indian banks. The quoted figures are taken from secondary sources.Finally, this paper m...</p><div class="ds-related-work--ctas"><button class="ds2-5-text-link ds2-5-text-link--inline js-swp-download-button" data-signup-modal="{"location":"wsj-grid-card-download-pdf-modal","work_title":"Recent innovations in indian banking sector","attachmentId":103444228,"attachmentType":"pdf","work_url":"https://www.academia.edu/103436992/Recent_innovations_in_indian_banking_sector","alternativeTracking":true}"><span class="material-symbols-outlined" style="font-size: 18px" translate="no">download</span><span class="ds2-5-text-link__content">Download free PDF</span></button><a class="ds2-5-text-link ds2-5-text-link--inline js-wsj-grid-card-view-pdf" href="https://www.academia.edu/103436992/Recent_innovations_in_indian_banking_sector"><span class="ds2-5-text-link__content">View PDF</span><span class="material-symbols-outlined" style="font-size: 18px" translate="no">chevron_right</span></a></div></div></div></div><div class="ds-sticky-ctas--wrapper js-loswp-sticky-ctas hidden"><div class="ds-sticky-ctas--grid-container"><div class="ds-sticky-ctas--container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--sticky-ctas","attachmentId":117943433,"attachmentType":"pdf","workUrl":null}">See full PDF</button><button class="ds2-5-button ds2-5-button--secondary js-swp-download-button" data-signup-modal="{"location":"download-pdf-button--sticky-ctas","attachmentId":117943433,"attachmentType":"pdf","workUrl":null}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div></div></div><div class="ds-below-fold--grid-container"><div class="ds-work--container js-loswp-embedded-document"><div class="attachment_preview" data-attachment="Attachment_117943433" style="display: none"><div class="js-scribd-document-container"><div class="scribd--document-loading js-scribd-document-loader" style="display: block;"><img alt="Loading..." src="//a.academia-assets.com/images/loaders/paper-load.gif" /><p>Loading Preview</p></div></div><div style="text-align: center;"><div class="scribd--no-preview-alert js-preview-unavailable"><p>Sorry, preview is currently unavailable. 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