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The banking sector plays an important role in the growth of the Indian" /> <title>(PDF) Role of Information Technology in Banking Sector with Special Reference to State Bank of India</title> <link rel="canonical" href="https://www.academia.edu/74770633/Role_of_Information_Technology_in_Banking_Sector_with_Special_Reference_to_State_Bank_of_India" /> <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 = '2356c4f0d43feacebd564247ebf59de8375d5895'; 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(1740614625000); window.Aedu.timeDifference = new Date().getTime() - 1740614625000; </script> <script type="application/ld+json">{"@context":"https://schema.org","@type":"ScholarlyArticle","abstract":"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.","author":[{"@context":"https://schema.org","@type":"Person","name":"Dr. Ramachandran Manickam","url":"https://restlabs.academia.edu/RamachandranManickam"},{"@context":"https://schema.org","@type":"Person","name":"Dr. Pallavi D R","url":"https://nmims.academia.edu/DrPallaviDR"}],"contributor":[{"@context":"https://schema.org","@type":"Person","name":"Dr. Pallavi D R","url":"https://nmims.academia.edu/DrPallaviDR"}],"dateCreated":"2022-03-28","dateModified":"2022-05-28","datePublished":"2022-01-01","headline":"Role of Information Technology in Banking Sector with Special Reference to State Bank of India","identifier":{"@type":"PropertyValue","propertyID":"DOI","value":"10.46632/rmc/3/1/8"},"image":"https://attachments.academia-assets.com/82799918/thumbnails/1.jpg","inLanguage":"en","keywords":["Financial Economics"],"publication":"Recent Trends in Management and 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window.loswp.previewableAttachments = [{"id":82799918,"identifier":"Attachment_82799918","shouldShowBulkDownload":false}]; window.loswp.shouldDetectTimezone = true; window.loswp.shouldShowBulkDownload = true; window.loswp.showSignupCaptcha = false window.loswp.willEdgeCache = false; window.loswp.work = {"work":{"id":74770633,"created_at":"2022-03-28T02:05:24.014-07:00","from_world_paper_id":null,"updated_at":"2023-09-27T23:37:02.535-07:00","_data":{"doi":"10.46632/rmc/3/1/8","abstract":"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.\nTele 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.","publication_date":"2022,,","publication_name":"Recent Trends in Management and Commerce"},"document_type":"paper","pre_hit_view_count_baseline":null,"quality":"high","language":"en","title":"Role of Information Technology in Banking Sector with Special Reference to State Bank of India","broadcastable":true,"draft":false,"has_indexable_attachment":true,"indexable":true}}["work"]; window.loswp.workCoauthors = [25624914,10625682]; 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":82799918,"attachmentType":"pdf"}"><img alt="First page of “Role of Information Technology in Banking Sector with Special Reference to State Bank of India”" class="ds-work-cover--cover-thumbnail" src="https://0.academia-photos.com/attachment_thumbnails/82799918/mini_magick20220328-5741-fl5bzb.png?1648458304" /><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">Role of Information Technology in Banking Sector with Special Reference to State Bank of India</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="25624914" href="https://nmims.academia.edu/DrPallaviDR"><img alt="Profile image of Dr. Pallavi D R" class="ds-work-card--author-avatar" src="https://0.academia-photos.com/25624914/75599489/64112349/s65_pallavi.d_r.jpeg" />Dr. Pallavi D R</a><a class="ds-work-card--author js-wsj-grid-card-author ds2-5-body-md ds2-5-body-link" data-author-id="10625682" href="https://restlabs.academia.edu/RamachandranManickam"><img alt="Profile image of Dr. Ramachandran Manickam" class="ds-work-card--author-avatar" src="https://0.academia-photos.com/10625682/4426233/5133587/s65_ramachandran.manickam.jpg" />Dr. Ramachandran Manickam</a></div><div class="ds-work-card--detail"><p class="ds-work-card--detail ds2-5-body-sm">2022, Recent Trends in Management and Commerce</p><a class="js-loswp-work-card-doi-link ds2-5-body-sm ds2-5-body-link" href="https://doi.org/10.46632/rmc/3/1/8" rel="nofollow">https://doi.org/10.46632/rmc/3/1/8</a><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">7 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 = 74770633; 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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-work-card--button-container"><button class="ds2-5-button js-swp-download-button" data-signup-modal="{"location":"continue-reading-button--work-card","attachmentId":82799918,"attachmentType":"pdf","workUrl":"https://www.academia.edu/74770633/Role_of_Information_Technology_in_Banking_Sector_with_Special_Reference_to_State_Bank_of_India"}">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":82799918,"attachmentType":"pdf","workUrl":"https://www.academia.edu/74770633/Role_of_Information_Technology_in_Banking_Sector_with_Special_Reference_to_State_Bank_of_India"}"><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" data-impression-entity-id="74770633" data-impression-entity-type="2" data-impression-source="signup-banner"><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 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="1" 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="2" 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><p class="ds-related-work--abstract ds2-5-body-sm">The Banking atmosphere had become extremely modest in present world. In order to grow and survive in this dynamic environment, banks needs to understand the power of IT which can help them to improve and increase their service quality. With the advent of MNC or Foreign banks, and the introduction of various IT enabled services which is matching the pace of dynamic and competitive world, public and private sector banks have also adopted IT in their various services and introduced various windows of transactions using Information Technology to take full advantage of IT , to reduce the overall operational costs and to sustain in today's competitive world. In this study, we analyzed the role of IT in Indian Banking system and its role in increasing the effective distribution of banking services. The Banking sector has emerged extremely competitive in today's era. Information technology is the driver of various financial applications familiarized by the Indian government intended for the development in financial Sector. It is so in order to endure & cultivate in this dynamic market, banks are upgrading with latest technology, which are professed as an 'Authorizing resource' that can help in grooming the learner and as a stretcher structure which answer swiftly to the dynamics of a rapid changing marketplace situation. It is observed as a cost saving tool & good interaction with the individuals and the with the organizations that are accompanying with the banking business. In most recent fifteen years Indians bank have put vigorously in IT area to offer various banking services such as Credit cards, Debit cards, Net banking, ATM (i.e. Automated Teller Machines), Mobile banking, and Point of Sale machines. RBI initiated in collaboration with major Indian bank, to use information technology to automate the financial transactions with two major schemes. These two are NEFT & RTGS (National Electronic Fund Transfer & Real Time Gross Settlement). Advancements in Computer innovation and Telecommunications System enabled keeping money segment to give electronic installment framework to monetary exchanges with mobiles, PDAs and tablets.</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="3" data-entity-id="112834152" 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/112834152/Effect_of_Information_Technology_on_Banking_Segment_in_the_Indian_Financial_Growth">Effect of Information Technology on Banking Segment in the Indian Financial Growth</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="137400213" href="https://spuvvn.academia.edu/DrTryambakHiwarkar">Dr. Tryambak A Hiwarkar</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Computer Science and Mobile Computing</p><p class="ds-related-work--abstract ds2-5-body-sm">The current banking environment must be extremely competitive. IT refers to the acquisition, distribution, archiving, and dissemination of all kinds of information via computer technology and communication networks. The input is made using these technologies, Information is kept, distributed, and communicated. IT involves supplemental hardware, software and other such tools, services, etc. recent changes in the banking industry in The Internet is in India. Information technology (IT) is fundamental to the banking industry. Sector are fulfilling internal needs, processing data effectively, and expanding customer services, innovative help for the development of new products, and end-user training for nontechnical workers. The following are some new information technology trends in the banking industry: outsourcing, combining, differentiating IT as a Source of Income, Thriving in Down Market. Tests the Indian banking system in India must pass include Meet potential customers on custome...</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":"Effect of Information Technology on Banking Segment in the Indian Financial Growth","attachmentId":109943775,"attachmentType":"pdf","work_url":"https://www.academia.edu/112834152/Effect_of_Information_Technology_on_Banking_Segment_in_the_Indian_Financial_Growth","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/112834152/Effect_of_Information_Technology_on_Banking_Segment_in_the_Indian_Financial_Growth"><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="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="5" data-entity-id="96273999" 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/96273999/Influence_of_Technology_on_the_Performance_of_Indian_Banking_Sector_A_Review">Influence of Technology on the Performance of Indian Banking Sector - A Review</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="256071588" href="https://independent.academia.edu/ADunstanRajkumar">A Dunstan Rajkumar</a></div><p class="ds-related-work--metadata ds2-5-body-xs">The Journal of Internet Banking and Commerce, 2017</p><p class="ds-related-work--abstract ds2-5-body-sm">Banking system plays a very important role in the Indian economy. It is like a central nerve to a nation’s economy as it caters to the financial needs of credit in all the domains of the society. The growth and advancements in technology has led to a paradigm shift in the entire banking operations and systems. Further the development of e-banking created a massive change in terms of fulfilling customers’ divergent needs. The two fold objectives of current budget, namely, demonetization and GST, purely depend on digital banking. The present study explores the influence of technology in banking sector among customers by reviewing the relevant literature from the earlier studies. An in-depth study on the impact of technology in banking, reveals the factors such as, effectiveness of data management, value added services, level of knowledgeand awareness, security, safety, service quality, productivity, and profitability.</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":"Influence of Technology on the Performance of Indian Banking Sector - A Review","attachmentId":98218907,"attachmentType":"pdf","work_url":"https://www.academia.edu/96273999/Influence_of_Technology_on_the_Performance_of_Indian_Banking_Sector_A_Review","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/96273999/Influence_of_Technology_on_the_Performance_of_Indian_Banking_Sector_A_Review"><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="123534018" 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/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview">Evolving Technology in Indian Banking Sector: An Overview</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="277319724" href="https://stadiumroadpomarianidistrict.academia.edu/RanjuBharali">Ranju K U M A R Bharali</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Creative Research Thoughts, 2023</p><p class="ds-related-work--abstract ds2-5-body-sm">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-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":"Evolving Technology in Indian Banking Sector: An Overview","attachmentId":117943433,"attachmentType":"pdf","work_url":"https://www.academia.edu/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview","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/123534018/Evolving_Technology_in_Indian_Banking_Sector_An_Overview"><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="103986516" 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/103986516/Effect_of_Financial_Technology_on_the_Financial_Performance_of_Selected_Banks_in_India">Effect of Financial Technology on the Financial Performance of Selected Banks 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="62901029" href="https://independent.academia.edu/PublishingIndiaGroup">Publishing India Group</a></div><p class="ds-related-work--metadata ds2-5-body-xs">International Journal of Business Analytics and Intelligence, 2022</p><p class="ds-related-work--abstract ds2-5-body-sm">Banks and other financial organisations have embraced the use of financial technology in their dayto-day operations. This has encouraged efficiency in banking operations, enabling cost reductions through the use of the Internet and electronic payments, among other things. The quality of services provided by banks around the world has consequently improved. Evidence demonstrates that development professionals consistently believe that the outreach brought about by Fintech will improve banks' financial performance. The independent variable for the study was financial technology operationalised as service banking, mobile banking, Internet banking, and ATMs. The control variables were economic growth represented by economic growth rate, exchange rate represented by the Indian Rupee, and interest rates measured as the average bank lending rate on a quarterly basis. The dependent variable was financial performance of the banking industry scaled as ROA. A period of five years, between April 2018 and March 2022, was studied through the gathering of secondary data. Descriptive research design was assumed, while multiple linear regressions model was applicable in the analysis of the relationship between the variables. The data was analysed by the application of SPSS version 23. The study constitutes that relinquishment of mobile banking, online or Internet banking, and agency banking impacted the financial performance of banks positively. The study concluded that banks should invest in financial technology to upgrade their operational efficiency and persuasiveness. The study also recommends that banks should mobilise their customers to adopt these technologies, as well as channel resources for the enhancement of technological infrastructure. Banks should also adopt further agency networks, as this widens their customer base, especially in the rural areas. It is the recommendation of this study that measures ought to be adopted that will enhance Internet banking, economic growth rate, and interest rate, as these measures have a substantial influence on the performance of the banking industry in India.</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":"Effect of Financial Technology on the Financial Performance of Selected Banks in India","attachmentId":103837303,"attachmentType":"pdf","work_url":"https://www.academia.edu/103986516/Effect_of_Financial_Technology_on_the_Financial_Performance_of_Selected_Banks_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/103986516/Effect_of_Financial_Technology_on_the_Financial_Performance_of_Selected_Banks_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="8" 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="9" data-entity-id="73781751" 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/73781751/Indian_banking_industry_Recent_it_trends_challenges_and_opportunities_with_current_scenario">Indian banking industry- Recent it trends, challenges and opportunities with current scenario</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="46229291" href="https://nimsuniversity.academia.edu/akhilgoyal">Dr.Akhil goyal</a></div><p class="ds-related-work--metadata ds2-5-body-xs">2013</p><p class="ds-related-work--abstract ds2-5-body-sm">In this paper an attempt has been made to identify the general sentiments, challenges and Opportunities and recent IT Trends. For the Indian Banking Industry. This article is divided into some sections. Includes the introduction and general scenario of Indian banking industry. The second part discusses the various challenges and opportunities faced by Indian banking industry. Third part concludes that urgent emphasis is required on the Indian banking product and marketing strategies in order to get sustainable competitive edge over the intense competition from national and global banks. One of the recent trends of Indian banking sector to encourage Operational self-sufficiency, flexibility and competition in the system and to increase the banking standards in India to the international best practices. The main aim to Indian banking reorganization measures, human capital development, technological up-gradation, structural development which helped them for achieving universal benchmarks in terms of prudential norms and pre-eminent practices. This article is a small seed to existing branch of knowledge in banking industry and is useful for Bankers, strategist, policy makers and researchers and the impact of various market and regulatory initiatives on efficiency improvements of Indian banks. Efficiency of firm is measured in terms of its relative performance that is efficiency of a firm relative to the efficiencies of firms in a sample.</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 industry- Recent it trends, challenges and opportunities with current scenario","attachmentId":103534809,"attachmentType":"pdf","work_url":"https://www.academia.edu/73781751/Indian_banking_industry_Recent_it_trends_challenges_and_opportunities_with_current_scenario","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/73781751/Indian_banking_industry_Recent_it_trends_challenges_and_opportunities_with_current_scenario"><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":82799918,"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":82799918,"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_82799918" 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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