In this digital age technology changes day by day. It brought drastic advancements in banking sector. Mobile banking is one among them. It is the use of mobile applications for conducting financial transactions. Public as well as private sector banks are offering variety of mobile applications. This present study has been conducted to analyze the perception of customers on mobile banking with special reference to private sector banks in Pala municipality, Kerala.
See Full PDF See Full PDFE-Banking has definitely aright more to impart convenience to the customer as well as to the bankers. The ease with which a customer can check his account, make online payments, make error free transactions, economy in costs, reduction in time spent in carrying out business activities, reduce congestion in banking halls, improve delivery system and quick transfer money between accounts has made this mode of banking hugely popular among Indians who are perpetually short of time to visit the bank premises physically. E-banking also provides a host of non-transactional features, which are quite handy to the customer. Mobile banking is one of the e-banking services provided by the banker to do the banking transactions in an effective manner. Hence, the study is undertaken with an objective of knowing customer perception and satisfaction towards mobile banking services in srirangam, Tiruchirappalli district. The data were collected with the help of questionnaire and the data were collected from 50 respondents using mobile banking services. Further, the data were analysed through chi square and anova test. The major findings revealed that mobile banking helps to do the banking transactions in an effective manner.
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International Journal of Mechanical and Production Engineering Research and Development
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The success of current banking system cannot be envisaged in absence of Information and communication technologies (ICT) based services. The evolution of ICT has completely changed the way banking activities and transactions are conducted in India. The use of ICT based services, like mobile banking has opened up a vast array of possibilities towards including every single citizen into the mainstream financial system of country. The recently launched ambitious PMJDY (Pradhan Mantri Jan– Dhan Yojana) scheme of central government also aims to utilize mobile banking among the citizens for the purpose of facilitating financial inclusion. By utilising the ICT based mobile banking services, banks can now process the financial transactions and payments quickly and easily. It would result in reduction of processing and transaction time and consequently would impact the productivity of banks in terms of time saving and attending the customers at the branches positively. However, in semi urban regions where people still prefer to physically visit bank branches to conduct their banking activities, the perception of people towards usage of mobile banking services is a matter of research and investigation. This research paper attempts to study and analyse people's perception and factors that affect it, towards usage of mobile banking services in Gwalior Chambal semi urban region. The findings of this study will assist as an input for feasibility assessment of mobile banking usage among semi urban population.
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Advancement of technology has brought in radical changes in banking industry. Computerization and networking, core banking, automatic teller machine connecting any customer of any bank in any branch with a customer in any other bank in the country has made banks customer friendly. One of the latest introduction is mobile banking. A country with highest number of mobile users, it has enormous potential in changing the outlook of banking in India and reaching the remote village in any part of the country. It is argued that online mobile banking system has close correspondence with ideal banking system. This paper discuses the objectives, methodology, advantages and benefits of online mobile banking facility offered by the banks to the customers. A detailed review of literature is done on development of online banking in different developed and developing countries including India to analyse the gap of online banking in India. The significance of online mobile banking in India are discussed by considering seven native reasons namely (1) Essentiality of mobile device rather than luxurious, (2) Continuously decreased price of mobile devices, (3) Low usage cost, (4) Availability of services in rural areas, (5) Integration of various service applications within a device, (6) Improved willingness to use mobile devices, and (7) Improved economic conditions of the people. An empirical study on customer acceptance of mobile banking is carried out by developing six hypotheses. Factors affecting the actual use is studies through focus group method as the qualitative data collection instrument. The factors identified in this study include demography of customers, personal banking experience & incentives, technology experience, psychology & culture, and security & trust. The hypotheses are tested using primary data collected through questionnaire method, data are analyzed and the results are discussed.
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Fierce competition in the banking industry in India has compelled the banks to be creative and innovative by offering value added services. In an attempt to cater to the ever increasing consumer expectations and demand, the banking industry has adopted mobile banking to offer banking services at the convenience and comfort of its customers. Mobile banking in India is still at a nascent stage. At the same time, many service providers are making substantial investments to take advantage of the business opportunities offered by wireless technology. So there is a need to understand the bank customers' acceptance of this service and to examine the factors affecting their intentions to use mobile banking. But, none of the researches contributes to compare the mobile banking services in public and private sector banks. This study was undertaken to understand the difference in customer perception regarding mobile banking services provided by public and private sector banks and to predict the relationship of usage of mobile banking services with its determinants separately in both public and private sector banks. Regression Analysis and Anova were used for data analysis.
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The International Journal of Business & Management
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Voyager: The Journal of Computer Science & Information Technology
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This study aims to assess the influence of awareness on customers' attitude towards M-BANKING in Delhi. It investigates whether the attitude varies among M-BANKING users on the factors such as perceived ease of use, perceived usefulness, perceived security & privacy and perceived risk due to difference in their degree of awareness on these factors. The study uses pre structured questionnaire for survey using non-probability sampling. Factor analyses and regression technique were employed to study the relationship. The results show that difference in customers' attitude among M-BANKING users depends up on the difference of their degree of awareness on factors such as perceived ease of use, perceived usefulness, perceived security & privacy and perceived risk. The small sample size is representative of the respondents from Delhi only who were selected through non-probability sampling. This has an effect on the generalization of the findings. Future research may be conducted on.
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International Journal of Progressive Research in Science and Engineering
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