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(PDF) Information Technology plays a vital role in banking sector: Future Banking Services
<!DOCTYPE html> <html > <head> <meta charset="utf-8"> <meta rel="search" type="application/opensearchdescription+xml" href="/open_search.xml" title="Academia.edu"> <meta content="width=device-width, initial-scale=1" name="viewport"> <meta name="google-site-verification" content="bKJMBZA7E43xhDOopFZkssMMkBRjvYERV-NaN4R6mrs"> <meta name="csrf-param" content="authenticity_token" /> <meta name="csrf-token" content="r_CpRw8foVKp9GaYTNDni97Sq5u0ruitTVOr7oOW6FrnQQhBpOmFx2qlMPLOwYoRAR59GdpSn1tSDpCqr-563A" /> <meta name="citation_title" content="Information Technology plays a vital role in banking sector: Future Banking Services" /> <meta name="citation_publication_date" content="2018/01/01" /> <meta name="citation_journal_title" content="Journal of emerging technologies and innovative research" /> <meta name="citation_author" content="D. 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Technology in Indian" /> <title>(PDF) Information Technology plays a vital role in banking sector: Future Banking Services</title> <link rel="canonical" href="https://www.academia.edu/116067040/Information_Technology_plays_a_vital_role_in_banking_sector_Future_Banking_Services" /> <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 = 'b092bf3a3df71cf13feee7c143e83a57eb6b94fb'; 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(1739845960000); window.Aedu.timeDifference = new Date().getTime() - 1739845960000; </script> <script type="application/ld+json">{"@context":"https://schema.org","@type":"ScholarlyArticle","abstract":"Retail banks across the globe are expected to undergo a digital transformation in the coming three to five years as customers increasingly prefer using digital channels such as online and mobile to interact with their banks. Technology in Indian banking has evolved substantially from the days of back office automation to today\u0026amp;amp;#39;s online, centralized and integrated solutions. Today’s demand of banking is anytime anywhere banking. This requires innovative, robust, secure, optimized and ready to meet the expectations of empowered and tech-savvy customers. A study analyse the future banking service channels based on the preference and expectation of customer with special reference to Tiruchirappalli city. This paper discusses introduction about this research, review of literature to lead this research, research methodology to applied this research, data analysis to achieve objectives of the research and findings and suggestions with conclusion. IndexTerms-Digital Banking, Mobile Bank...","author":[{"@context":"https://schema.org","@type":"Person","name":"D. Allen rose shamini","url":"https://independent.academia.edu/DAllenroseshamini"}],"contributor":[],"dateCreated":"2024-03-10","dateModified":"2024-03-10","datePublished":"2018-01-01","headline":"Information Technology plays a vital role in banking sector: Future Banking Services","image":"https://attachments.academia-assets.com/112300530/thumbnails/1.jpg","inLanguage":"en","keywords":["Business","Retail Banking"],"publication":"Journal of emerging technologies and innovative research","publisher":{"@context":"https://schema.org","@type":"Organization","name":null},"sourceOrganization":[{"@context":"https://schema.org","@type":"EducationalOrganization","name":null}],"thumbnailUrl":"https://attachments.academia-assets.com/112300530/thumbnails/1.jpg","url":"https://www.academia.edu/116067040/Information_Technology_plays_a_vital_role_in_banking_sector_Future_Banking_Services"}</script><style type="text/css">@media(max-width: 567px){:root{--token-mode: Rebrand;--dropshadow: 0 2px 4px 0 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Technology in Indian banking has evolved substantially from the days of back office automation to today\u0026#39;s online, centralized and integrated solutions. Today’s demand of banking is anytime anywhere banking. This requires innovative, robust, secure, optimized and ready to meet the expectations of empowered and tech-savvy customers. A study analyse the future banking service channels based on the preference and expectation of customer with special reference to Tiruchirappalli city. This paper discusses introduction about this research, review of literature to lead this research, research methodology to applied this research, data analysis to achieve objectives of the research and findings and suggestions with conclusion. IndexTerms-Digital Banking, Mobile Bank...","publication_date":"2018,,","publication_name":"Journal of emerging technologies and innovative research"},"document_type":"paper","pre_hit_view_count_baseline":null,"quality":"high","language":"en","title":"Information Technology plays a vital role in banking sector: Future Banking Services","broadcastable":true,"draft":null,"has_indexable_attachment":true,"indexable":true}}["work"]; window.loswp.workCoauthors = [45647198]; window.loswp.locale = "en"; window.loswp.countryCode = "SG"; window.loswp.cwvAbTestBucket = ""; window.loswp.designVariant = "ds_vanilla"; window.loswp.fullPageMobileSutdModalVariant = "control"; window.loswp.useOptimizedScribd4genScript = false; window.loginModal = {}; window.loginModal.appleClientId = 'edu.academia.applesignon'; window.userInChina = "false";</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":112300530,"attachmentType":"pdf"}"><img alt="First page of “Information Technology plays a vital role in banking sector: Future Banking Services”" class="ds-work-cover--cover-thumbnail" src="https://0.academia-photos.com/attachment_thumbnails/112300530/mini_magick20240311-1-exq1fz.png?1710132456" /><img alt="PDF Icon" class="ds-work-cover--file-icon" src="//a.academia-assets.com/images/single_work_splash/adobe_icon.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">Information Technology plays a vital role in banking sector: Future Banking Services</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="45647198" href="https://independent.academia.edu/DAllenroseshamini"><img alt="Profile image of D. Allen rose shamini" class="ds-work-card--author-avatar" src="https://0.academia-photos.com/45647198/12102853/13481467/s65_d._allen_rose.shamini.jpg" />D. Allen rose shamini</a></div><div class="ds-work-card--detail"><p class="ds-work-card--detail ds2-5-body-sm">2018, Journal of emerging technologies and innovative research</p><div class="ds-work-card--work-metadata"><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">visibility</span><p class="ds2-5-body-sm" id="work-metadata-view-count">…</p></div><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">description</span><p class="ds2-5-body-sm">4 pages</p></div><div class="ds-work-card--work-metadata__stat"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">link</span><p class="ds2-5-body-sm">1 file</p></div></div><script>(async () => { const workId = 116067040; const worksViewsPath = "/v0/works/views?subdomain_param=api&work_ids%5B%5D=116067040"; const getWorkViews = async (workId) => { const response = await fetch(worksViewsPath); if (!response.ok) { throw new Error('Failed to load work views'); } const data = await response.json(); return data.views[workId]; }; // Get the view count for the work - we send this immediately rather than waiting for // the DOM to load, so it can be available as soon as possible (but without holding up // the backend or other resource requests, because it's a bit expensive and not critical). const viewCount = await getWorkViews(workId); const updateViewCount = (viewCount) => { try { const viewCountNumber = parseInt(viewCount, 10); if (viewCountNumber === 0) { // Remove the whole views element if there are zero views. document.getElementById('work-metadata-view-count')?.parentNode?.remove(); return; } const commaizedViewCount = viewCountNumber.toLocaleString(); const viewCountBody = document.getElementById('work-metadata-view-count'); if (!viewCountBody) { throw new Error('Failed to find work views element'); } viewCountBody.textContent = `${commaizedViewCount} views`; } catch (error) { // Remove the whole views element if there was some issue parsing. document.getElementById('work-metadata-view-count')?.parentNode?.remove(); throw new Error(`Failed to parse view count: ${viewCount}`, error); } }; // If the DOM is still loading, wait for it to be ready before updating the view count. if (document.readyState === "loading") { document.addEventListener('DOMContentLoaded', () => { updateViewCount(viewCount); }); // Otherwise, just update it immediately. } else { updateViewCount(viewCount); } })();</script></div><p class="ds-work-card--work-abstract ds-work-card--detail ds2-5-body-md">Retail banks across the globe are expected to undergo a digital transformation in the coming three to five years as customers increasingly prefer using digital channels such as online and mobile to interact with their banks. Technology in Indian banking has evolved substantially from the days of back office automation to today&#39;s online, centralized and integrated solutions. Today’s demand of banking is anytime anywhere banking. This requires innovative, robust, secure, optimized and ready to meet the expectations of empowered and tech-savvy customers. A study analyse the future banking service channels based on the preference and expectation of customer with special reference to Tiruchirappalli city. This paper discusses introduction about this research, review of literature to lead this research, research methodology to applied this research, data analysis to achieve objectives of the research and findings and suggestions with conclusion. IndexTerms-Digital Banking, Mobile Bank...</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":112300530,"attachmentType":"pdf","workUrl":"https://www.academia.edu/116067040/Information_Technology_plays_a_vital_role_in_banking_sector_Future_Banking_Services"}">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":112300530,"attachmentType":"pdf","workUrl":"https://www.academia.edu/116067040/Information_Technology_plays_a_vital_role_in_banking_sector_Future_Banking_Services"}"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">download</span>Download PDF</button></div><div class="ds-signup-banner-trigger-container"><div class="ds-signup-banner-trigger ds-signup-banner-trigger-control"></div></div><div class="ds-signup-banner ds-signup-banner-control"><div id="ds-signup-banner-close-button"><button class="ds2-5-button ds2-5-button--secondary ds2-5-button--inverse"><span class="material-symbols-outlined" style="font-size: 20px" translate="no">close</span></button></div><div class="ds-signup-banner-ctas"><img src="//a.academia-assets.com/images/academia-logo-capital-white.svg" /><h4 class="ds2-5-heading-serif-sm">Sign up for access to the world's latest research</h4><button class="ds2-5-button ds2-5-button--inverse ds2-5-button--full-width js-swp-download-button" data-signup-modal="{"location":"signup-banner"}">Sign up for free<span class="material-symbols-outlined" style="font-size: 20px" translate="no">arrow_forward</span></button></div><div class="ds-signup-banner-divider"></div><div class="ds-signup-banner-reasons"><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Get notified about relevant papers</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Save papers to use in your research</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Join the discussion with peers</span></div><div class="ds-signup-banner-reasons-item"><span class="material-symbols-outlined" style="font-size: 24px" translate="no">check</span><span>Track your impact</span></div></div></div><script>(() => { // Set up signup banner show/hide behavior: // 1. 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The world of cashlessness is possible through digital banking. Subsequently, steps towards demonetization of the economy has resulted in tremendous growth in digital transactions in India .The government has encouraged more transparency in transactions and increased internet facilities towards empowering the country's economy. The government's focus on cashless transactions and globalization has forced to adopt digital banking, but, there still is apprehensions on the users. This study focuses on customer's perceptive on adaptability to these revolutionary changes in banking. A primary survey was conducted using a structured questionnaire on the 100 respondents in Coimbatore, district in Tamil Nadu. The collected data through the questionnaire were analyzed statistically by using chi square technique. The results indicate that the motivations for adopting digital banking have association with income levels of the consumer usage of digital banking. The attitude towards the banks' digital usage was mainly determined by easy usage, time saving, banking services, the reliability and security and safety of transaction accounted 68 percent. The study finally analyses the satisfaction level of the consumers using digital banking services. The main factors which determine customer satisfaction in digital banking are safety, accessibility, risk and safety level, easy reach of service, amenable service. There is a significant relationship among customer experience, satisfaction and loyalty, which is related to banking performance. The study establishes the fact that customers are in the process of getting accustomed with digital banking and that despite all the challenges, their perception towards digitalization is fast changing.</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":"An Empirical Study on Customers' Extensive Usage of Netbanking Facility in Gobichettipalayam, Erode District","attachmentId":64040758,"attachmentType":"pdf","work_url":"https://www.academia.edu/43731064/An_Empirical_Study_on_Customers_Extensive_Usage_of_Netbanking_Facility_in_Gobichettipalayam_Erode_District","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/43731064/An_Empirical_Study_on_Customers_Extensive_Usage_of_Netbanking_Facility_in_Gobichettipalayam_Erode_District"><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="32453711" 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/32453711/Customer_Perception_and_Emergence_of_Electronic_Banking_A_Case_Study_on_Kolkata">Customer Perception and Emergence of Electronic Banking: A Case Study on Kolkata</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="62901029" href="https://independent.academia.edu/PublishingIndiaGroup">Publishing India Group</a></div><p class="ds-related-work--abstract ds2-5-body-sm">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.</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":"Customer Perception and Emergence of Electronic Banking: A Case Study on Kolkata","attachmentId":52643809,"attachmentType":"pdf","work_url":"https://www.academia.edu/32453711/Customer_Perception_and_Emergence_of_Electronic_Banking_A_Case_Study_on_Kolkata","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/32453711/Customer_Perception_and_Emergence_of_Electronic_Banking_A_Case_Study_on_Kolkata"><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="92285567" 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/92285567/Looking_beyond_technology_a_study_of_e_banking_channel_acceptance_by_Indian_customers">Looking beyond technology: a study of e-banking channel acceptance by Indian customers</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="196305616" href="https://independent.academia.edu/BasheerKhan23">Basheer Khan</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Electronic Banking, 2008</p><p class="ds-related-work--abstract ds2-5-body-sm">It is almost 15 years since the Indian banking sector was liberalised and paradigm shift happened in the Indian banking services. All banks have either totally implemented 'Core banking Systems' or halfway through. A survey result was obtained from 292 respondents about their views on electronic banking channels. The results indicate that the majority of the customers are very comfortable and willing to use e-banking channels. At the same time, over 80% feel that 'human contact is necessary'. This throws up a challenge to banks. Technology alone cannot give a sustainable competitive advantage for the banks. When all banks introduce IT in their technology, IT will lose its position as a differentiator. Beyond a point, IT along with 'personal touch' will be necessary for the banks to retain the existing clients and attract new clients. Banks have to incorporate this in their IT and operational strategy.</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":"Looking beyond technology: a study of e-banking channel acceptance by Indian customers","attachmentId":95334051,"attachmentType":"pdf","work_url":"https://www.academia.edu/92285567/Looking_beyond_technology_a_study_of_e_banking_channel_acceptance_by_Indian_customers","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/92285567/Looking_beyond_technology_a_study_of_e_banking_channel_acceptance_by_Indian_customers"><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="114407550" 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/114407550/A_Study_On_Factors_Determining_The_Customer_Perception_Towards_Digital_Banking_System_In_Madurai">A Study On Factors Determining The Customer Perception Towards Digital Banking System In Madurai</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="33155206" href="https://independent.academia.edu/nambidevis">nambi devi s</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of emerging technologies and innovative research, 2018</p><p class="ds-related-work--abstract ds2-5-body-sm">Digitalization of services has transformed a range of business aspects in our daily life. The main aim of digitalization is to reduce human dealings, human fault, and ‘doing it right the very first time’. The banking sector is no exception in implementing Digital Transformation. All digital banks are possible as a consumer option, but people may still have a need for physical cash in certain situations. This study is to investigate the customer perception towards the digital banking services and to identify the main factor affecting the usage of Digital banking in Madurai. Bank customers were included with the main motive of collecting information about digital banking. The data will be collected from the 74 respondent this was a convenience sampling. Bank customers were included with the main motive of collecting information about digital banking. So, this was a convenience sampling. . IndexTermsDigitalization.</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 Factors Determining The Customer Perception Towards Digital Banking System In Madurai","attachmentId":111113773,"attachmentType":"pdf","work_url":"https://www.academia.edu/114407550/A_Study_On_Factors_Determining_The_Customer_Perception_Towards_Digital_Banking_System_In_Madurai","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/114407550/A_Study_On_Factors_Determining_The_Customer_Perception_Towards_Digital_Banking_System_In_Madurai"><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="79809335" 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/79809335/A_STUDY_ON_THE_CUSTOMER_PERCEPTION_TOWARDS_DIGITAL_BANKING_IN_PANCHKULA_DISTRICT">A STUDY ON THE CUSTOMER PERCEPTION TOWARDS DIGITAL BANKING IN PANCHKULA DISTRICT</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="9989691" href="https://independent.academia.edu/CASIRJ">International Research Journal Commerce arts science</a></div><p class="ds-related-work--metadata ds2-5-body-xs">isara solutions, 2020</p><p class="ds-related-work--abstract ds2-5-body-sm">This paper brings out the measurement of customer perception towards Digital Banking which is becoming very popular and convenient method of dealing with banks now-a-days. Digital Banking denotes the provision of banking and related service through Extensive use of information technology without direct recourse to the bank by the customer. In this paper consumer perception toward the usefulness and willingness to use Digital banking are identified and measured. Customer satisfaction level towards the Digital Banking has been identified. DESIGN/METHODOLOGY: A Questionnaire has been designed to collect the data from the respondents. Our survey is undertaken in Panchkula District (Panchkula and Kalka Cities in particular) as very less studies are conducted in these cities, so to understand the potential of Digital Banking in this area this study has been conducted. Convenient sampling design has been used. Percentage methods has been used to analyze the data. FINDINGS: The data showed that about 63% people have positive perception about Digital Banking. In spite of having positive perception about Digital Banking services only 66% respondents are using it frequently. Consumers are using various services provided by their respective banks and the highest used services are the UPI Payments & bill payment across various income groups followed by viewing of the account history.</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 THE CUSTOMER PERCEPTION TOWARDS DIGITAL BANKING IN PANCHKULA DISTRICT","attachmentId":86398935,"attachmentType":"pdf","work_url":"https://www.academia.edu/79809335/A_STUDY_ON_THE_CUSTOMER_PERCEPTION_TOWARDS_DIGITAL_BANKING_IN_PANCHKULA_DISTRICT","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/79809335/A_STUDY_ON_THE_CUSTOMER_PERCEPTION_TOWARDS_DIGITAL_BANKING_IN_PANCHKULA_DISTRICT"><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="91961556" 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/91961556/Role_of_Information_Technology_in_Banking_sector_A_study_with_special_reference_to_Chhattisgarh_State">Role of Information Technology in Banking sector: A study with special reference to Chhattisgarh State</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="241092816" href="https://cipiop.academia.edu/ranjeetatiwarimishra">ranjeetatiwari mishra</a></div><p class="ds-related-work--metadata ds2-5-body-xs">international journal of engineering technology and management sciences</p><p class="ds-related-work--abstract ds2-5-body-sm">Banks in India are now becoming a one-stop Supermarket. The focus is shifting from mass banking to class banking with the introduction of value added and customized products. Technology allows banks to create what looks like a branch in a business building‘s lobby without having to hire manpower for manual operations. The branches are running on the concept of 24 X 7 working, made possible by the use of Tele banking, ATMs, Internet banking, Mobile banking and E - banking. This technology driven delivery channels are being used to reach out to maximum number of customers at lower cost and in most efficient manner. Technology in Indian banking has evolved substantially from the days of back office automation to today&#39;s online, centralized and integrated solutions. The purpose of this study is to identify the relationship between new technology implementation in banking sector and customers approach i.e. how they adopt the modern technologies in Banking sector. For this study, 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":"Role of Information Technology in Banking sector: A study with special reference to Chhattisgarh State","attachmentId":95100615,"attachmentType":"pdf","work_url":"https://www.academia.edu/91961556/Role_of_Information_Technology_in_Banking_sector_A_study_with_special_reference_to_Chhattisgarh_State","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/91961556/Role_of_Information_Technology_in_Banking_sector_A_study_with_special_reference_to_Chhattisgarh_State"><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="66572412" 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/66572412/Digital_Banking_in_Northern_India_The_Risks_on_Customer_Satisfaction">Digital Banking in Northern India: The Risks on Customer Satisfaction</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="36874746" href="https://malta.academia.edu/SimonGrima">Simon Grima</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Risks</p><p class="ds-related-work--abstract ds2-5-body-sm">The widespread use of digital technologies and the current pandemic (COVID) have fueled the need and call for digital transformation in the banking sector. Although this has various benefits, it is a disruption to the norm to which a bank customer has to become accustomed. This variance means that customers would have to make some changes to their routine. This can constitute risks in terms of maintaining customer satisfaction at previous levels. These risks are associated with customer retention because a service or product needs to be aligned with customer expectations to avoid them switching to other service providers. Moreover, it can also have an effect on reputation. Offering digital account opening or remote deposits may not satisfy customers; competitive advantage depends on many aspects such as providing a hassle-free, personalized and cyber-secure experience, economic aspects and the needs of the society at large. Therefore, there is a need to understand the intensity of t...</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":"Digital Banking in Northern India: The Risks on Customer Satisfaction","attachmentId":77711207,"attachmentType":"pdf","work_url":"https://www.academia.edu/66572412/Digital_Banking_in_Northern_India_The_Risks_on_Customer_Satisfaction","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/66572412/Digital_Banking_in_Northern_India_The_Risks_on_Customer_Satisfaction"><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="68018988" 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/68018988/Improving_Customer_Services_through_Technology_in_Indian_Banking_Industry">Improving Customer Services through Technology in 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="21931984" href="https://independent.academia.edu/NarinderBhasin">Narinder Bhasin</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2015</p><p class="ds-related-work--abstract ds2-5-body-sm">Customer Services thrives on trust and confidence of the customer hence a qualitative customer services is a prerequisite for developing a vibrant banking system Over the last decade technology has transformed the landscape of Indian banking system from manual clearing payment and settlement system. Implementation of core banking platform has automated basic processes enabled the movement to a single customer view and allowed for optimization of work across branch and hub network. Core banking platform have also given banks a strong launch pad to offer digital channel capabilities almost all banks today are feverishly building out their online and mobile channel offerings ATM deployments and plastic money revolution to reduce cash and cheques. This study focus on measuring customer services improvements and satisfaction in the on line banking era. The working if the customer`s mind is a mystery which is difficult to solve and understanding the nuances of what customer satisfaction 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":"Improving Customer Services through Technology in Indian Banking Industry","attachmentId":78648039,"attachmentType":"pdf","work_url":"https://www.academia.edu/68018988/Improving_Customer_Services_through_Technology_in_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/68018988/Improving_Customer_Services_through_Technology_in_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="8" data-entity-id="97893097" 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/97893097/Technology_Impact_On_E_Banking_Towards_Customer_Satisfaction_In_Public_and_Private_Sectors_Bank_With_Special_Reference_To_Vellore_District_Of_Tamil_Nadu_India">Technology Impact On E-Banking Towards Customer Satisfaction In Public & Private Sectors Bank [With Special Reference To Vellore District Of Tamil Nadu-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="72052915" href="https://cahcet.academia.edu/MShuaibAhmed">M Shuaib Ahmed</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Scientific & Technology Research, 2019</p><p class="ds-related-work--abstract ds2-5-body-sm">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.</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":"Technology Impact On E-Banking Towards Customer Satisfaction In Public \u0026 Private Sectors Bank [With Special Reference To Vellore District Of Tamil Nadu-India","attachmentId":99392912,"attachmentType":"pdf","work_url":"https://www.academia.edu/97893097/Technology_Impact_On_E_Banking_Towards_Customer_Satisfaction_In_Public_and_Private_Sectors_Bank_With_Special_Reference_To_Vellore_District_Of_Tamil_Nadu_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/97893097/Technology_Impact_On_E_Banking_Towards_Customer_Satisfaction_In_Public_and_Private_Sectors_Bank_With_Special_Reference_To_Vellore_District_Of_Tamil_Nadu_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="40454137" 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/40454137/CURRENT_PRACTICES_OF_E_BANKING_TECHNOLOGY_STUDY_OF_SERVICE_QUALITY_IN_TRICITY_CHANDIGARH_MOHALI_and_PANCHKULA_">CURRENT PRACTICES OF E-BANKING TECHNOLOGY: STUDY OF SERVICE QUALITY IN TRICITY (CHANDIGARH, MOHALI & PANCHKULA)</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="62901029" href="https://independent.academia.edu/PublishingIndiaGroup">Publishing India Group</a></div><p class="ds-related-work--metadata ds2-5-body-xs">Journal of Commerce & Accounting Research, 2018</p><p class="ds-related-work--abstract ds2-5-body-sm">Transformation is taking in Indian banks from altering the face of banking. The research paper focuses on the way transformation is affecting the banking sector and investigates the factors which are affecting the e-banking services among the customers in India. Primary data was collected from 500 respondents through a structured questionnaire. The main objectives of the study are to identify the perception of customers for e-banking technology service quality and to examine e-banking technical service quality with regards to demographic variables. The scope of the present study has been kept limited to public and private sector Indian banks operating in Chandigarh, Mohali and Punchkula. Primary sources of data were a structured questionnaire designed for the purpose of getting customer responses regarding e- banking. Analysis of Variance has been used to find out whether there is any significant difference between the customers’ perceptions with regards to demographics like Gender, Age, education, Occupation and Household Income. It was found that there is no significant difference and the hypothesis stood accepted.</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":"CURRENT PRACTICES OF E-BANKING TECHNOLOGY: STUDY OF SERVICE QUALITY IN TRICITY (CHANDIGARH, MOHALI \u0026 PANCHKULA)","attachmentId":60717860,"attachmentType":"pdf","work_url":"https://www.academia.edu/40454137/CURRENT_PRACTICES_OF_E_BANKING_TECHNOLOGY_STUDY_OF_SERVICE_QUALITY_IN_TRICITY_CHANDIGARH_MOHALI_and_PANCHKULA_","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/40454137/CURRENT_PRACTICES_OF_E_BANKING_TECHNOLOGY_STUDY_OF_SERVICE_QUALITY_IN_TRICITY_CHANDIGARH_MOHALI_and_PANCHKULA_"><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":112300530,"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":112300530,"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_112300530" 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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