International Journal of Technology and Applied Science

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E- Banking: An Indian Perspective

Author(s) Mr. Siddaraju J
Country India
Abstract In the present scenario, the demand of banking is anytime, anywhere banking, this requires innovative robust secure optimized and ready to meet the expectations of empowered and tech savvy customers. Digital transformation is just moving from traditional banking to a digital world. It is a vital change in how banks and other financial institutions learn about, how to interact with and satisfy the customers. An effective digital transformation begins with an understanding of digital customer behavior, preferences, choices, requirements, and aspirations etc. This transformation leads to the major changes in the organizations from product centric to customer centric view. This paper covers role of digitization in Indian banking, factors affects and the scope of digital banking in India, digital banking trends in India, technological milestones in Indian banks. The present study is based on secondary data. The data has been extracted from the various sources like research articles, publications from government of India, various bulletins of RBI and authenticated websites. The study found that, E-Banking has drastically reduced the operating costs of banks. This has made it possible for banks to charge lower fees for services and also offer higher interest rates for deposits. Lower operating costs have meant more profits for the banks. The study also found that, E-banking is having enormous potential to change the landscape of financial inclusion. Easy use of digital banking can accelerate the integration of unbanked economy to the mainstream.
Keywords Digitalization, RBI, Innovations, unbanked economy.
Field Business Administration
Published In Volume 9, Issue 2, February 2018
Published On 2018-02-03
DOI https://doi.org/10.71097/IJTAS.v9.i2.1420
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Crossref DOI prefix of IJTAS is 10.71097/IJTAS

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