literature review about e banking

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LITERATURE REVIEW ON E-BANKING SERVICES

2014, res publication

Banks adopt E-banking as a means to replace their traditional delivery channel through branch banking mainly due to the cost of setting up of physical branches and increased overheads associate with maintaining them. While adopting any new channel of service delivery, service is one of the primary benefit which a customer expects from the service provider. The consumers compares the benefits and weigh them against the costs associated with the service. E-Banking services are gradually replacing the traditional banking services. In order to gain competitive advantage over the competing banks, the banks are continuously improving their services through e-banking services. This paper has examined reviews collected in the area of e-banking services which includes Internet Banking, ATM banking, Mobile banking etc.

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Increased competition, changing business environments, globalization and the advancement of Information and Communications Technology are the important factors that have forced Banking and Financial services to change. Demand for financial services is changing rapidly and customer behavior regarding these services is also adapting rapidly.Electronic banking is the wave of the future. It provides enormous benefits to consumers in terms of the ease and cost of transactions. But it also poses new challenges for country authorities in regulating and supervising the financial system and in designing and implementing macroeconomic policy.The major challenges that Electronic banking is facing is the security variability, lack of knowledge of end users, failure of bank transitions, user interface etc. In this paper we also conclude that what factors should be enhanced to improve Electronic banking.

Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to have" service. The net banking, thus, now is more of a norm rather than an exception in many developed countries due to the fact that it is the cheapest way of providing banking services. This research paper will introduce you to e-banking, giving the meaning, functions, types, advantages and limitations of e-banking. It will also show the impact of ebanking on traditional services and finally the result documentation.

The more the civilization tends to modern technology, the more the banking system gets modernized with upto-date technology. As a result, E-Banking is a fruit of modern technology nowadays. It is too buzzword to elaborate. Hence, how electronic banking ripples the mind of the people in the modern century, what the reacts toward the new technology of the society, how it impacts the dimension of the operations of the financial institutions and ability to provide security about the customers confidentially are the immanent driving forces behind me to opt this topic and make an analysis. Primary data have been collected according to the questionnaire for classifying the respondents according to the variables such as gender, occupation, education, qualification, account opening, and Internet banking-related variables. Finally, the findings of the analysis concluded that the young generation is more interested in E-Banking. Most of the E-Banking users are service holders and they use it for personal requirements. Security, privacy, time-saving, and hassle-free banking have been possible through E-Banking. Through this analysis I recommend that a special campaign should be launched to attract customers' especially female customers to use electronic banking, Charges of internet banking should be fixed at a reasonable amount and procedures should be made easier to attract more conventional clients in it and Ebanking service should be according to the customers' expectation and satisfaction.

Technology (IT) era, transformation in Indian banks is taking place with different parameters and the contours of banking services are dynamically altering the face of banking, as banks are stepping towards e-banking from traditional banking. E-Banking is one of the gifts to human beings by computer technology. E-Banking is a fast spreading service that allows customers to use computer to access account transactions from a remote location such as at home or at the workplace Convenience to customers". Electronic Fund Transfer, Telephone Banking, Corporate Banking Terminal, Increasing networking and ATM, Telephone Banking, Internet-Banking and mobile-Banking are some of the e-banking products which would be conveniently satisfying

Internet Banking becomes user friendly in today generation. Customer feels internet banking is safe and secure. Many application like online fund transfer, Payment of Income tax, mobile phone recharges, paying electricity bills, paying Dth recharge more. Customer doesn't have to go to the bank for transactions. Instead, customer can access your account any time and from any part of the world, and do so when you have the time, and not when the bank is open. For busy executives, students, and homemakers, e-banking is a virtual blessing. The research was conducted in Thiruvannamalai, Tamil Nadu. The research was based on consumer interested and perception about usage of electronic banking system and transaction.

In Today's scenario role of e-banking is very valuable. Without e-banking no banks can work. In this study we analyse, how much e-banking used in Public and Private sectors bank? (in reference to SBI and HDFC bank) Objective of the study is to find the consumer satisfaction in respect of e-banking and the perception of employees for using e-banking in Public and Private sectors banks. The method of the study is Primary and Secondary both. Study showed perception of customer regarding service quality and satisfaction of employee in internet banking services. As well as this study analyze the working style as a comparison between Public and Private sectors banks in respect of SBI and HDFC bank.

The beginning of the E-Business age has been shivering the business environment and breaking out innovative and unconventional ways of doing business. One of the latest outcomes of this E-Business is internet banking or E-Banking. Banking sector is now reengineering it to adopt the change and to be in the race of globalization. Thus it has become imperative for the banking industry to better gauge the E-Banking phenomenon. This study painstakingly attempts to bestow the evolution, competitive forces, strategy, present status, and prospect of E-Banking, so that the existing banks and potential e-banks could better understand this opportunity and could reap the best benefit from it.

International Journal of Trend in Scientific Research and Development

In the modern era of technology. Every work in the human life is much easier than the traditional one. Due to technology everything is computerized. Banking is also the one from all of them. After the 18th centaury banking industry has been much developed in the field of technology. Due to technology there are so many innovations in banking sector. Every work in the banking industry is computerized from opening of account to transfer of money through e-banking, which needs not to go to the banks and stand in a long queues for a long time which helps the customers as well as banking institutions to do work easy, efficient and fast. E-Banking also makes the competition between different banks for providing a better services to their customers and also attract the more and more customers. The different amendments by the RBI they made to follow the mandatory rules and regulations, guidelines, instructions for the banks and customers, It helps to provide privacy to the customers about their account and every transaction while operating their account at the time of online banking. But at this present scenario few of the customers are not take the advantage of this e banking due to unawareness and uneducation(because technology demands knowledge to operate it). In some of the banks public sector banks few of the staff is with old age ones officials they have very less knowledge about computerized banking/ e-banking and this thing takes long time when they do any transaction. And these are the burden on the public sector banks to spent much money on their training that how to operate the computers while work in the bank to deal any transaction. Otherwise technology has played pivotal role in banking sector. Internet banking is increasingly becoming " Need to have than a Nice to have service" From the prespective banking product and service being offerd through internet debit and credit cards, mobile, e banking is nothing more traditional banking service distributed through an economic communication backbone. 1

Financial sector plays an important role in the economic development of a country. Banking is the lifeline of an economy .After the effect of demonetization, digital cash has been the hotcake among the citizens of India. Digital cash and online transactions in the current market scenario have a great effect on e-banking and digital banking. E-banking comprises mainly of electronic funds transfer and usage of online banking services. E-banking plays a major role in the present banking functionality. Electronic banking is inferred to be safe and secured, compared to physical banking. E-banking ensures qualitative banking operations compared to traditional banking. However, it has its own limitations and challenges when we talk about security, on the contrary. The discussion throughout the paper revolves around the challenges that Indian banks are facing in term of e-banking, opportunity to increase awareness and measures adopted for safe and secure e-banking.

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Today traditional banking services, based on lending and accepting deposits related. The emergence of knowledge-based economy and the wider evolution of communication technology, banking services have undergone profound changes during the past decades. In order to provide the quality, customer service delivery and minimum transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking technologies and e-banking services in recent year. In this context, this study revealed that income, gender and age wise factors are placing an important role towards the usage of o electronic banking. The research confirmed the conceptual framework stating that if skills can be upgrade there will be a greater demand for E-Banking among customers.

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