AN ANALYTICAL STUDY ON E-BANKING SERVICES AT THE JANATHA CO-OPERATIVE BANK LIMITED (No of pages: 106)

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CONTENT OF TABLE

CHAPTER           

Chapter-1

INTRODUCTION OF INTERNET BANKING

Chapter-2

INDUSTRY PROFILE

Chapter-3

COMPANY PROFILE

Chapter-4

          BANK PROFILE

Chapter-5

AIM AND OBJECTIVES

Chapter-6

          REVIEW OF LITERATURE

Chapter-7

RESEARCH METHODOLOGY

Chapter-8

BANKING MANAGEMENT SYSTEM

Chapter-9

          DATA ANALYSIS AND INTERPRETATION

Chapter-10

SUMMARY OF FINDINGS

SUGGESTIONS

CONCLUSION

Chapter-11

          BIBLIOGRAPHY

          QUESTIONNAIRE

INTRODUCTION:

E-Banking is the banking of the new era. Making banking products and services available to wholesale and retail customers, through an electronic distribution channel is called e-banking. E-banking is the outcome of technological innovations and competition. In fact, banks have been using electronic and telecommunication networks for delivering a wide range of value added products and services. The devices have been telephone, personal computers including Automated Teller Machines (ATM). The delivery channels have been direct dial up connections, private and public networks. To this newer edition of e-banking are being added e.g. internet banking and mobile banking.

 

OBJECTIVES OF THE STUDY

  • To know about the awareness of E-banking among the banking customers.
  • To know the problems faced by the customers while doing their transactions through E-banking.
  • To analyze the reasons for non- usage.
  • To give a few suggestions to the bank about their E-banking promotional activities.
  • To fill in the gaps, which exist between the services expected by the customers and the services offered by the bank.

STATEMENT OF THE PROBLEM

            Though Bangalore has surpassed the silicon valley of USA in Software Exports and technological innovations, the level of Internet users in the city is substantially low. There seems to be a digital divide between the computer literates and the others. Though the citizens for checking mail, browsing, chatting etc. use Internet it is not used for banking transactions large scale. The study is conducted to analyze the usage of Internet for banking purpose. The study is conducted to highlight the reasons for customer’s preference to Internet banking and measure their satisfaction level.

 

REVIEW OF LITERATURE

For instance, Unnithan (2001) studied the drivers for change in the evolution of the banking sector, and the move towards electronic banking by focusing on two economies: Australia and India. The paper found that Australia is a country with Internet ready infrastructure as far as telecommunication, secure protocols, PC penetration and consumer’s literacy is concerned. India by comparison, is overwhelmed by weak infrastructure, low penetration, developing security protocols and consumer reluctance in rural sector. Although many major banks have started offering Internet banking services, the slow pace will continue until the critical mass is achieved for PC, Internet connections and telephones. However, the upsurge of IT professionals with growing demands is pressuring the government and bureaucracy in the country to support and develop new initiatives for a faster spread of Internet banking.

 

Gupta (2002) found that Internet banking is fast becomingpopular in India. However, it is still in its evolutionary stage. By the year 2005, a large sophisticated and highly competitive Internet banking market will develop. Almost all the banks operating in India are having their websites but only a few banks provide transactional Internet banking.

 

Rao (2003) provided a theoretical analysis of Internet banking in India and found that as compared to banks abroad, Indian banks offering online services still have a long way to go. For online banking to reach a critical mass, there has to be sufficient number of users and the sufficient infrastructure in place.

Agarwal(2003) explored the role of e-banking in e-democracy. With the development of synchronous technologies and secured electronic transaction technologies, more banks and departments were using Internet for transactional and information medium.

 

Dayananda (2007) studied the customer preference towards Internet banking and found that Internet banking perceived as a luxurious way of banking used primarily by the high income group. The Income level and occupation were the key parameters for deciding the usage level of Internet banking. He also found that, there is a significant difference between the satisfaction level of the customers and the type of the bank they transact with.

MTHODOLOGY TO BE USED:

RESEARCH DESIGN:

Research design is a formal plan of action for a research project. Research design help researchers to layout their research questions, methodologies, implementation, procedures and data collection and analysis for the conduct of a research project. Generally there are three types of research design quantitative design, qualitative design and mixed methods design. Research design is a decision making process.

 

RESEARCH METHODOLOGY:

A research methodology is a way to systematically solve research problem. Descriptive method of research will be carried out to conduct this project. Descriptive research includes surveys and facts. Finding solution to the problem and its main objective of the study is to find out what, who, when and how the topic is covered. The study may be simple or complex. It may be done in many ways.

 

SAMPLE DESIGN

            It is a definite plan for obtaining sample from a given population. It refers to the technique or the procedure. The researcher would adopt in selecting items for the sample. Sample design may be as well as lay down the number of items to be included in the sample i.e. the size of sample.

SAMPLING TECHNIQUES WILL BE USED:

Three main types of sampling strategy:

  • Random
  • Systematic
  • Stratified
  • Convenience

In my study would be used random sampling plus convenience sampling technique

 

Sample Size for the study was 40 customers.

 

TARGET RESPONDENTS:-

Employees of the company

DATA ANALYSIS TECHNIQUES:-

Data will be analysed using various methodologies and graphical representation like pie charts, bar charts etc.

 STATISTICAL TOOLS:-

  Percentage analysis

  Pie diagrams

 

Sample       :  Employees of the organization

 

 

SOURCES OF DATA

The data will be gathered from two sources. They are:

  • Primary data.
  • Secondary data.

 

  • Primary data

Information will be collected specifically for the purpose of the investigation, as on one hand is known as primary data or raw data. The primary data will be collected through questionnaires, surveys, interviews by the respondents. This research work mainly depends on questionnaire.

 

  • Secondary data

     Secondary data refers to the data which have already been collected and analyzed by someone else. Secondary data will be collected newspapers, magazines, journals, bank websites, text books.

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