A Critical Study Of Trends In E-Banking With Special References To Selected Public And Private Sector Banks

Book Code: 1111024969846

Dr. Sakshi Angi

ABOUT THE BOOK

Information Technology (IT) revolution has converted the world into a global village. There has been an IT revolution in the world in the last 40 years. This revolution has altered the way we work and think. It has touched every enterprise, sector, society and government where banking is the most triggered area. IT as an enabler has broken all bounds of cost, distance and time. IT has created tremendous job opportunities and moreover, public sector banks are facing number of challenges regarding the use of e-delivery channels. The present study investigates the perceptions of e-banking customers & employees and based on these perceptions, some suggestions are made for the betterment of public sector banks and will provide an opportunity to the academicians, IT consultants, research scholars, practitioners and students to go through for further detailed studies in this area. Modern technology has transformed the functioning of businesses. It has bridged the gaps in terms of the reach and the coverage of system and enabled better decision-making based on the latest and accurate information, reduced cost and overall improvement in efficiency. In the Indian context, the financial sector, especially the banking sector has been a major beneficiary from the inroads made by IT. Many new processes, products and services offered by banks and other financial intermediaries are now IT centered. Now a days many banks are providing the services through e-channels like ATMs, I-banking, M-banking, Tele-banking, Debit cards, Credit cards, etc. Most of the initiatives regarding e-channels are aimed at providing better and more efficient customer service by offering multiple options to the customers.

ABOUT THE AUTHOR

DR. SAKSHI ANGI did her Masters in Commerce from Punjabi University, Patiala, Punjab in 2012. Thereafter, she completed her Ph.D. from University of Rajasthan, Jaipur in 2016.She published various Research Papers in U.G.C CARE LISTED JOURNALS. She has been regularly contributing research papers in National and International Journals/Seminars/ Conferences. She is having 9 years of teaching experience. At present, She is working as an Assistant Professor at Guru Nanak College, Sri Muktsar Sahib, Punjab. She has been the Co-Investigator and Co- Ordinator of one month women Entrepreneurship Development Program sponsored by Department of Science and Technology, Government of India. She is also the Vice -President and Convener of Innovation Cell of Ministry of Education, Government of India.

CONTENTS

Acknowledgement 9
Preface 11
Keywords Used 13
I. Introduction 17
II. Review of Literature 41
III. Research Methodology 59
IV. Profile and E-banking Services of PNB 73
V. Profile and E-banking Services of SBI 91
VI. Profile and E-banking Services of HDFC 123
VII. Profile and E-banking Services of ICICI 143
VIII. Data Analysis and Interpretation 165
IX. Conclusion, Observation and Recommendation 191
Bibliography 209
Index 217