International Journal of Banking, Risk and Insurance

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E-Banking - A Way Ahead for Building Competitive Strength in Banking Services


Affiliations
1 Institute of Management Studies, Kuvempu University, Shankaraghatta, Shimoga, Karnataka, India
     

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Banking plays a crucial role in the economic development of developing countries. Today’s banking sector is considered a prime sector for economic reforms and social-economic development. Rivalry among banking is quickly rising due to the enactment of technology in the banking business. Digitalisation in banking helps banks provide faster and safer service to its customers. Moreover, banks can provide quality service with the least operating cost. In the track of using the Internet and computers in the banking system, e-banking is considered the best method that helps in fulfilling the needs of the customers. The present paper explores customer perception towards the use of electronic banking. The data was obtained from 120 respondents with the support of a structured questionnaire. All the independent variables are significantly correlated with the dependent variable. Reliability and trialability, and social influence positively impact behavioural intention to use.

Keywords

Digitalisation, Economic Development, Safe Service, Operating Cost.
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  • E-Banking - A Way Ahead for Building Competitive Strength in Banking Services

Abstract Views: 169  |  PDF Views: 0

Authors

D. Suhas
Institute of Management Studies, Kuvempu University, Shankaraghatta, Shimoga, Karnataka, India
H. N. Ramesh
Institute of Management Studies, Kuvempu University, Shankaraghatta, Shimoga, Karnataka, India

Abstract


Banking plays a crucial role in the economic development of developing countries. Today’s banking sector is considered a prime sector for economic reforms and social-economic development. Rivalry among banking is quickly rising due to the enactment of technology in the banking business. Digitalisation in banking helps banks provide faster and safer service to its customers. Moreover, banks can provide quality service with the least operating cost. In the track of using the Internet and computers in the banking system, e-banking is considered the best method that helps in fulfilling the needs of the customers. The present paper explores customer perception towards the use of electronic banking. The data was obtained from 120 respondents with the support of a structured questionnaire. All the independent variables are significantly correlated with the dependent variable. Reliability and trialability, and social influence positively impact behavioural intention to use.

Keywords


Digitalisation, Economic Development, Safe Service, Operating Cost.

References