AN EMPIRICAL STUDY ON RURAL CUSTOMERS PERCEPTION ABOUT THE USE OF E-BANKING SERVICES WITH SPECIAL REFERENCE TO PUBLIC SECTOR BANKS IN NAGAPATTINAM DISTRICT.

2020 ◽  
Vol 9 (9) ◽  
Keyword(s):  
Public Sector ◽  
Empirical Study ◽  
Special Reference ◽  
Banking Services ◽  
Public Sector Banks

scholarly journals E-Banking: Problems and Prospects an Empirical Study in Punjab

2011 ◽  
Vol 2 (3) ◽  
pp. 118-124
Author(s):  
R. K. Uppal
Keyword(s):  
Public Sector ◽  
Empirical Study ◽  
Private Sector ◽  
Old Age ◽  
Middle Age ◽  
Foreign Banks ◽  
Banking Services ◽  
The Public ◽  
Public Sector Banks ◽  
Bank Employees

The present study is concerned with the problems and prospects of e-banks in India. The present paper suggests some policies on the basis of perceptions of 60 selected e-bank employees regarding the various issues related to e-banking services. The paper concluded that not more then 50% of Indian bank customers are using e-channels, these channels are not much popular among old age and middle age persons as much as among youngsters and finally the paper concludes that the most of the customers are shifting from public sector banks to new private sector banks or foreign banks to avail innovative and attractive services. On the basis of these conclusions, paper suggests some strategies to make the public sector banks more competitive in the era of IT.

Determinants of Diffusion and Adoption of ATM cum Debit Cards in Indian Banking Sector

2019 ◽  
Vol 21 (5) ◽  
pp. 1263-1278
Author(s):  
Kamalpreet Kaur ◽  
Mandeep Kaur
Keyword(s):  
Public Sector ◽  
Market Share ◽  
Commercial Banks ◽  
Banking Sector ◽  
New Technology ◽  
Banking Services ◽  
Public Sector Banks ◽  
Interest Income ◽  
Automated Teller Machine ◽  
Debit Cards

Plastic cards are the neglected innovation as far as its research on diffusion and adoption from bankers’ perspective is concerned. The study emphasizes on the identification of factors which may have influenced the banks to adopt Automated Teller Machine (ATM) cum debit cards along with their traditional banking services. Bank-specific variables were investigated to deepen the understanding of the diffusion and adoption of ATM cum debit cards. The sample of the study is confined to 50 commercial banks, out of which 23 are private and 27 are public sector banks. The empirical findings reveal that size, non-interest income, non-performing assets, profitability, age and market share of the bank are the variables which have contributed significantly in the diffusion and adoption of ATM cum debit cards. The present study would serve as the roadmap for the regulators to frame policies and guidelines while introducing new technology in the industry, which are best suited to customers as well as bankers.

The effects of traditional practices on modern banking system

2016 ◽  
Vol 34 (4) ◽  
pp. 476-500
Author(s):  
Divya Mittal ◽  
Shiv Ratan Agrawal
Keyword(s):  
Factor Analysis ◽  
Public Sector ◽  
Banking System ◽  
Traditional Practices ◽  
Banking Services ◽  
Content Type ◽  
Public Sector Banks ◽  
Confirmatory Factor ◽  
Employee Responses ◽  
Employee Response

Purpose – The purpose of this paper is to identify the traditional practices in the modern banking system (MBS) and examine the effects of these on employee response, customer reactions and customer loyalty, in the context of public sector banks in India. The study also investigates the effects on customers of employees’ use of traditional banking practices in the MBS. Design/methodology/approach – A total of 460 usable responses were gathered from customers of seven public sector banks in Bhopal (MP), India. The study scales were refined and validated by exploratory factor analysis and confirmatory factor analysis. Findings – The results indicated that the MBS utilising traditional practices (MBSTP) significantly influences unfavourable employee responses, customer reactions and loyalty. In addition, employee responses in MBSTP motivate and generate unfavourable reactions of customers, which further influence their loyalty adversely towards public sector banks. Practical implications – The identified traditional practices with MBS are expected to bring clarity to the issue of employee response, customer reaction and loyalty. This would help the management of banks. Originality/value – The results of the analysis indicated that public sector banking services are facing the internal challenges by its own service processes and employees’ behavioural intentions.

scholarly journals A Study of Priority Sector Lending with special reference to Selected Public Sector Banks in Shimoga District

2020 ◽  
Vol 8 (1) ◽  
pp. 51-55
Author(s):  
S Manjushree ◽  
K V Giridhar
Keyword(s):  
Public Sector ◽  
Special Reference ◽  
Financial Institution ◽  
Secondary Data ◽  
Statistical Tool ◽  
Public Sector Banks ◽  
Irrigated Area ◽  
The People ◽  
Efficient Planning ◽  
The Government

A financial institution has a major role to play in the development of any district as they provide financial assistance to the people who take up income-generating activity. The district is predominantly agriculture having 58% land id irrigated area and 42% rain-fed area. Efficient planning facilitates optimal and needs-based use of available resources for meeting the development needs of the region in an equitable and scientific manner. Priority sector lending is a scheme guided by the Government. As per RBI directive, commercial banks advised granting 40% of their total advances to borrowers in the priority sectors. Priority means to give preference and privilege. This paper provides a platform to understand priority sector lending by public sector banks with special reference to shivamogga district. The District credit plan of shivamogga district during the year 2019-2020 provides the information of outlay. An outlay of Rs.3395 crores has been provided for agriculture out a total priority outlay of RS.6262 crores. The study has used both primary and secondary data. The collected data are embodied by using tables, and analysis was done by using percentage analysis and a statistical tool like X2 test is also used.

scholarly journals Customers Perception towards Security and Privacy Issues of ATMs in Selected Public Sector Banks with Special Reference to Ramanathapuram District

2020 ◽  
pp. 112-118
Keyword(s):  
Public Sector ◽  
Special Reference ◽  
Credit Card ◽  
Sampling Method ◽  
Structured Interview ◽  
Internet Banking ◽  
Security And Privacy ◽  
Public Sector Banks ◽  
Banking Credit ◽  
Privacy Issues

The ongoing advancements in Indian financial innovation have changed banking from the customary framework towards a progressively comprehensive one fusing the premiums of clients, the bank and nature. These days, banking tasks can be brought out through different financial conveyance channels from the bank offices. ATM is the most mainstream banking conveyance channel and the phenomenal achievement of ATMs had made the financial division fearless to grow increasingly imaginative elective conveyance channels such as Internet banking, mobile banking, Green channel counters, kiosk banking, credit card, debit card, online bill payment services etc. But in today's era of banking operation, identity theft, password protection is no longer adequate to guard your personal information. The paper mainly focuses on customers perception towards security and privacy issues of ATM’S in selected public sector banks with special reference to Ramanathapuram District. A Multi stage sampling method was used to select the banks and convenience sampling method has been adopted to select the respondents to collect data from 250 respondents by using a structured interview schedule. The result of the study shows that there may be deduction charges in ATMs is most influencing factor in security issues.

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