dissertation on internet banking in india

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Dissertation on internet banking in india ap english literature sample essays 2007

Dissertation on internet banking in india

Indeed, social media like YouTube, Facebook, and Twitter show a higher level of accessibility because everyone can easily access this application. Berthon et al. As per a research in January , there are ten main social media platforms in Indonesia which are Youtube million users , Whatsapp million users , Facebook million users , Instagram million users , Line 89 million users , Twitter 78 million users million , FB Messenger 71 million users , BBM 57 million users , Linkedin 50 million users , and Pinterest 4 million users We are Social, This fact shows that social media has been used by all Indonesian people in Thus, using social media applications to promote the adoption of IB will help Indonesian banking to reach more banking customers.

Ghani, Problems experienced by customers of Islamic and conventional banks during the Covid pandemic are the difficulties faced in using IB. Banks must improve the facilities needed to optimize the use of IB. For this reason, IB should not only provide online banking facilities but also simplify online access, provide a variety of menus to suit customer needs, and launch more attractive features. Initially, banks need to concentrate on providing IB channels compatible with other common technologies used by customers.

At the same time, banks need to convince them that using these channels is not much different from other technologies Vukovic et al. The data for this study consisted of Islamic bank customers and Conventional bank customers. The findings show that this research successfully predicted the intention of customers to use IB.

The results show that all TPB constructions AT and SN significantly predicted customer intention in Islamic and conventional banks before and during the Covid pandemic. In the case of the TAM construct, it was identified that the PEU is not found to have a significant effect on the intention of customers of Islamic and conventional banks to use IB. Meanwhile, before the Covid pandemic, PU of Islamic banks does not affect the intention of customers, but PU affects the conventional banks before and during the Covid pandemic.

Furthermore, an insignificant relationship is found between TR TR and customer intention to use IB, which shows that customers still consider using IB as a risky platform. Thus, the current study can contribute to the management of Islamic banks and conventional banks to make policy strategies to improve IB technology socialization and innovation for customers. The method used in this study is the quantitative method. The use of quantitative methods can limit the ability of current research to look more closely by clarifying more problems related to the intentions and behavior of Indonesian customers using IB.

Therefore, future studies are suggested using quantitative and qualitative methods to get a more detailed explanation of the results of this study. This research concentrates on customers who have used IB in Islamic and conventional banks and does not include other types of customers who defer, oppose, and reject IB.

However, studying such customers can help to have a further understanding of the main obstacles that hamper the acceptance of IB. Besides, this research focuses entirely on the customer perspective without any perspective of the bank. Therefore, this can be a limitation for this study as it does not give a comprehensive picture to clarify the main aspects related to the successful implementation and adoption of IB from both parties; customers and banks.

File Download PDF. Introduction Nowadays banking services are required to be more flexible, quicker, and easier along with the tremendous technology in the globalization era. Literatur Review 2. Figure 1: Research Model 2. Based on this review, the proposed hypothesis is as follows: H1: Perceived usefulness has a significant influence on customer interest to adopt IB 2.

Based on the previous literature, the proposed hypothesis is as follows: H2: Perceived ease of use has a significant influence on customer interest to adopt IB 2. From this explanation, the hypothesis can be proposed as follows: H3: Trust has a significant influence on customer interest to adopt IB 2. Subjective Norm SN SN is referred to as the normative belief of the social environment that motivates an individual to perform a certain behavior.

Therefore, the hypothesis can be formulated as follows: H4: Subjective norm has a significant influence on customer interest to adopt IB 2. Based on the above explanation, the proposed hypothesis is as follows: H5: Attitude has a significant influence on customer interest to adopt IB.

Research Method 3. Procedure and Sample For data collection, this study distributed a structured questionnaire comprising three parts, to IB users in Indonesia. Sample Descriptive The respondents consist of Islamic bank customers and Conventional bank customers in 34 Provinces in Indonesia. Results 4. Confirmatory Factor Analysis, Reliability, and Validity The loading factor of all constructs is above 0.

Analysis of Model Structure and Hypothesis Testing After fulfilling the reliability and validity requirements, the data is tested to determine the model fit. Table 4: Fit Model The next model fit is adjusted R 2 which illustrates the ability of explanatory variables in measuring the customer intention to adopt IB.

Table 5: Hypothesis Test 5. Managerial Implications IB is utilized by customers to make it easier to meet the needs of customers and banks Simintiras et al. IB facilities could not only help the customer in term of business transactions but also help them to save time and energy Gumussoy, Indonesian banks can also use social media to conduct socialization in a more persuasive, advanced, and economic way.

Conclusions The data for this study consisted of Islamic bank customers and Conventional bank customers. References Abbad, M. E-banking in Jordan. Behaviour and Information Technology, 32 7 , Journal of Retailing and Consumer Services, 40 , Key drivers of Internet banking services use. Online Information Review, 33 4 , Usability guideline for banking software design.

Computers in Human Behavior, 62, Analysis on Internet banking services in Indonesia: Impact of customer value to converting intention. Journal of Asian Finance, Economics and Business, 6 1 , Determinants of young consumers' intention to use Internet banking services in India. Vision: The Journal of Business Perspective, 18 3 , Marketing meets Web 2. Business Horizons, 55 3 , Theory of planned behavior: A perspective in India's internet banking. International Journal of Management and Tourism, 19 2 , Chan, K.

Understanding adoption and continual usage behaviour towards Internet banking services in Hong Kong. Master thesis, Lingnan University, Hong Kong. The youth market for Internet banking services: Perceptions, attitude and behaviour. Journal of Services Marketing, 24 1 , Unusual formations of superoxo heptaoxomolybdates from peroxo molybdates.

Inorganic Chemistry Communications, 67 3 , The partial least squares approach for structural equation modeling. In: G. Marcoulides Ed. Chiou, J. The antecedents of online financial service adoption: The impact of physical banking services on Internet banking acceptance.

Behaviour and Information Technology, 31 9 , User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35 8 , Consistent and asymptotically normal PLS estimators for linear structural equations.

Computational Statistics and Data Analysis, 81, Understanding the adopters and non-adopters of broadband. Communications of the ACM, 52 1 , Analysis factors of using Internet banking in Indonesia. Management and Organizational Studies, 3 2 , Belief, attitude, intention, and behavior: An introduction to theory and research.

Boston, MA: Addison-Wesley. Fornell, C. Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18 1 , Trust and tam in online shopping: an integrated model. Statewide Agricultural Land Use Baseline, 1 1 , EuroMed Journal of Business, 7 1 , Multivariate Data Analysis with Readings. Henseler, J. Organizational Research Methods, 17 2 , Behavioral usage of internet banking as financial transaction tool.

Journal Aplikasi Bisnis Dan Manajemen, 6 1 , Fit indices in covariance structure modeling: Sensitivity to underparameterized model misspecification. Psychological Methods, 3 4 , An investigation on online banking adoption. International Journal of Business Innovation and Research, 7 1 , Bankers perception towards Bai Salam method for agriculture financing in Pakistan.

Journal of Financial Services Marketing, 15 3 , Examining factors influencing Indian customers' intentions and adoption of Internet banking: Extending TAM with electronic service quality. Innovative Marketing, 15 2 , Dimensionality of perceived risk and its impact on internet banking adoption: An empirical investigation.

Services Marketing Quarterly, 33 2 , Determinants of intention to use Islamic mobile banking: Evidence from millennial generation. Predicting intention to choose halal products using theory of reasoned action. Information gathering during enterprise system selection: Insight from practice. Industrial Management and Data Systems, 6 , Factors influencing the usage of 3G mobile services in Taiwan.

Online Information Review, 31 6 , In: Physica: Heidelberg. Makanyeza, C. Mediators of the relationship between service quality and customer loyalty: Evidence from the banking sector in Zimbabwe. International Journal of Bank Marketing, 35 3 , Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application.

International Journal of Information Management, 34 1 , Choosing among alternative service delivery modes: An investigation of customer trial of self-service technologies. Internet banking channel service delivery for the customer is a help yourself model, offering anytime, anywhere access to a broad range of banking products and services. Banks made huge investments to develop and promote internet banking, but this service delivery channel remains underutilised.

The intention behind this research was to address the shortcoming of the limited research on internet banking adoption in India, by conducting a comprehensive study for finding the reasons and factors responsible for the low usage of the internet-banking channel in India and, which may enable banks to take corrective steps to increase usage of the internet-banking channel. It explored features of the banks websites, conducted interviews with bank senior leaders, employees, non-users and users of internet banking, found relationships between the website traffic and the financial performance of banks, conducted a quantitative study to determine employee s perception about internet banking and undertook a study to find factors that enhance satisfaction levels amongst the internet banking users.

The study finally extended the Technology Acceptance Model TAM by including new constructs taken from existing well-grounded theories and examined the robustness of the model to predict intention and usage. TAM and its augmented version were subsequently subjected to invariance tests to determine the moderating effects of the demographic variables on the relationship between the variables in the model.

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Relationship between housing loans and the recession. Impact of foreign direct investment on the emerging economies. Identifying the best capital structure for a retail bank. To what extent the electronic banking has affected customer satisfaction. Portfolio management and its impact on the profitability level of banks. Impact of interest rate on loan repayment in microfinance banks. An appraisal of operational problems facing micro-finance banks in delta state. Studying the impact of risk management on the profitability of banks.

Evaluation of bank lending and credit management. Role of automated teller machine on customer satisfaction and retention. Examining the impact of bank consolidation on operational efficiency. Competitive strategies and changes in the banking industry. Development of rural banking in the case of developed countries. How can banks use ratio analysis as a bank lending tool?

Evaluating the relationship between e-banking and cybercrime. Studying the importance of credit management in the banking industry. Problems related to loan granting and recovery. A topic brief will have at least word which includes; An explanation why we choose this topic. Key literature resources identification. Submitting Form. Proceed To Checkout.

Get expert dissertation writing help to achieve good grades Writer consultation before payment to ensure your work is in safe hands. What is the role of retail banks in the United Kingdom in providing financial services in rural areas? In a managed economy like China, how does the banking system differ from capitalist nations like the United States? How do online currencies like Bitcoin change the concept of fiat currencies?

Will these currencies still be alive in a decade? Why are some micro-loan companies able to enjoy a higher repayment rate than traditional banks? What are some of the most effective techniques that banks can use in their anti-money laundering programs? How can providing better credit flow boost agricultural production in an economy?

How are off-balance sheet activities treated? What is the role of Internet banking in society? Will technology completely replace the role of a retail banking center and banks tellers? How does the modern economy prevent a run on the banks from happening? How is asset liability management performed in commercial banks? What is the significance of corporate social responsibility in the banking system? How are the concepts of equity performance and price related in the field of banking?

Consider the influence of magnates like J. How did housing loans lead to the recession? How did poor risk management at banks lead to the recession in s Japan? Why have hedge funds enjoyed a sustained level of progress?

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Sign in. Toggle navigation. Finance Research Topics Corporate Finance Research Topics Banking and finance dissertation topics Role of micro-loans in the modern financial industry. Online currencies like Bitcoin brought changes in the concept of fiat currencies.

Identifying the forces causing American retail banking centres to change. Analysing the treatment of off-balance sheet activities. Examining the role of internet banking in society. Evaluating how the modern economy prevents a run on the banks from happening. To find out whether the technology can replace the role of retail banking centre. Relationship between housing loans and the recession.

Impact of foreign direct investment on the emerging economies. Identifying the best capital structure for a retail bank. To what extent the electronic banking has affected customer satisfaction. Portfolio management and its impact on the profitability level of banks.

Impact of interest rate on loan repayment in microfinance banks. An appraisal of operational problems facing micro-finance banks in delta state. Studying the impact of risk management on the profitability of banks. Evaluation of bank lending and credit management. Role of automated teller machine on customer satisfaction and retention. Examining the impact of bank consolidation on operational efficiency.

Competitive strategies and changes in the banking industry. Development of rural banking in the case of developed countries. Indira Gandhi University Meerpur,Rewari 1. Indira Kala Sangeet Vishwavidyalaya Indus University Institute of Advanced Research, Gandhinagar 1.

Institute of Chemical Technnology, Mumbai Institute of Infrastructure Technology Research and Management 5. Integral University International Institute of Information Technology Bangalore International Institute of Information Technology, Hyderabad Islamic University of Science and Technology ITM University, Gwalior Jadavpur University Jagannath University Jagannath University, Jhajjar Jagran Lakecity University 2.

Jai Narain Vyas University 7. Jain University Jain Vishwa Bharati University Jai Prakash Vishwavidyalaya 3. Jaipur National University Jamia Hamdard University Jamia Milia Islamia University Janardan Rai Nagar Rajasthan Vidhyapeeth 1. Jawaharlal Nehru Technological University, Anantapuram Jawaharlal Nehru Technological University, Hyderabad Jawaharlal Nehru University Jayoti Vidyapeeth Women s University Jaypee Institute of Information Technology Jaypee University of Information Technology, Solan Jharkhand Rai University Jiwaji University JK Lakshmipat University Jodhpur National University 2.

University, Shikohabad 1. Junagadh Agricultural University 1. Kadi Sarva Vishwavidyalaya Kakatiya University, Warangal Kalasalingam University Kalinga University 8. Kannada University Kannur University Karnataka Samskrit University 8. Karnataka State Open University Karnataka State Womens University Karnatak University Karpagam University Karunya University Kavikulaguru Kalidas Sanskrit University Kazi Nazrul University 3. KIIT University King George Medical University 9. KLE University Kolhan University Koneru Lakshmaiah Education Foundation Krishna Institute of Medical Sciences University Krishna University, Machilipatnam Mangalam University, Gurgaon Kumaun University Kurukshetra University Kuvempu University Lakshmibai National University of Physical Education Lingayas University 1.

Lovely Professional University Madan Mohan Malaviya University of Technology Madhav University Madhya Pradesh Bhoj Open University 1. Madurai Kamaraj University Magadh University Mahapurusha Srimanta Sankaradeva Viswavidyalaya Maharaja Agrasen University Maharaja Ganga Singh University Maharaja Krishnakumarsinhji Bhavnagar University Maharaja Sayajirao University of Baroda Maharaja Vinayak Global University Maharashtra Animal and Fishery Sciences University Maharashtra University of Health Sciences Maharishi Markandeshwar University, Mullana Maharishi Markandeshwar University, Sadopur Ambala Maharshi Dayanand Saraswati University Maharshi Dayanand University Mahatma Gandhi Antarrashtriya Hindi Vishwavidyalaya Mahatma Gandhi Chitrakoot Gramodaya Vishwavidyalaya 6.

Mahatma Gandhi Kashi Vidyapith Mahatma Gandhi University Mahatma Jyotiba Phule Rohilkhand University Manav Rachna University 2. Mandsaur University 6. Mangalayatan University Mangalore University Manipal Academy of Higher Education Manipal University Jaipur Manipur University Martin Luther Christian University MATS University Maulana Azad National Urdu University Meenakshi Academy of Higher Education and Research Mewar University Mizoram University Mody University of Science and Technology Mohan Lal Sukhadia University Monad University Mother Teresa Womens University MVN University,Palwal Nagaland University Narsee Monjee Institute of Management Studies National Brain Research Centre National Institute of Technology Delhi National Institute of Technology,Kurukshetra 1.

National Institute of Technology Srinagar 1. National Law Institute University, Bhopal 2. National Law School of India University National law University, Delhi National Law University, Odisha 8. Navrachana University 7. Netaji Subhas Open University 1. NIIT University 6. Nims University Rajasthan Nirma University Nitte University Noida International University Noorul Islam Centre for Higher Education North-Eastern Hill University North Maharashtra University OPJS University Oriental University Osmania University Pacific University Padmashree Dr.

Patil Vidyapeeth, Navi Mumbai 1. Pandit Deendayal Petroleum University Parul University 3. Patna University Peoples University, Bhopal 7. Periyar Maniammai University Periyar University PES University 3. Pondicherry University Poornima University Potti Sreeramulu Telugu University 1. Pravara Institute of Medical Sciences Presidency University Prist University Ravishankar Shukla University Punjabi University Rabindra Bharati University Rabindranath Tagore University, Bhopal Raffles University Raiganj University Rai University Rajasthan Technical University, Kota Rajiv Gandhi Proudyogiki Vishwavidyalaya 2.

Rajiv Gandhi University Raksha Shakti University 7. Ramakrishna Mission Vivekananda University 1. Rama University, Uttar Pradesh Rani Channamma University 1. Rani Durgavati Vishwavidyalaya 1. Rashtrasant Tukadoji Maharaj Nagpur University 2. Rayat Bahra University, Mohali 5. Regional Centre for Biotechnology 1. REVA University RIMT University 8. RKDF University RK University Sai Nath University 3. Sambalpur University Sangam University 7.

Sant Baba Bhag Singh University Sant Gadge Baba Amravati University Sant Longowal Institute of Engineering and Technology Santosh Deemed to be University Sardar Patel University Sarvepalli Radhakrishnan University Sathyabama Institute of Science and Technology Saurashtra University Saveetha University 5.

School of Planning and Architecture, Bhopal 4. SGT University Sharda University Shivaji University Shiv Nadar University Shobhit University, Gangoh Shobhit University, Meerut Shoolini University of Biotechnology and Management Sciences Shree Somnath Sanskrit University Shri Jagdishprasad Jhabarmal Tibarewala University Shri Mata Vaishno Devi University Shri Ramswaroop Memorial University Shri Vaishnav Vidyapeeth Vishwavidyalaya Shri Venkateshwara University, Uttar Pradesh 2.

Sidho Kanho Birsha University Sido Kanhu Murmu University 3. Sikkim Manipal University Sikkim University Siksha "O" Anusandhan University Singhania University Sir Padampat Singhania University Solapur University South Asian University 2. Sree Sankaracharya University of Sanskrit Sri Balaji Vidyapeeth 5.

Sri Chandrasekharendra Saraswathi Viswa Mahavidyalaya Sri Krishnadevaraya University Srinivas University 3. Sri Padmavathi Womens University Sri Sai University 2. Sri Venkateswara Institute of Medical Sciences Sri Venkateswara University SRM University Suamandeep Vidyapeeth University SunRise University 4.

Suresh Gyan Vihar University Sushant University earlier Ansal University Swami Rama Himalayan University 4. Swami Ramanand Teerth Marathwada University Swami Vivekanad Subharti University Swami Vivekananda Yoga Anusandhana Sansthana Swami Vivekanand University Swarnim Gujarat Sports University 7. Symbiosis International University Tamil Nadu Agricultural University Tamil Nadu Dr.

Ambedkar Law University Tamilnadu Physical Education and Sports University Tamil University Tantia University

SAMPLE RESUME FOR MODELS AND ACTORS

But still Debit cards are different from credit cards as credit card is a way to "pay later," but debit card is a way to "pay now. In simple words by use of debit card the money comes directly from the user's bank account when a transaction is being performed. An e-Cheque is one of latest innovation done in field of e- banking; it is a new payment method that facilitates those customers who do not posses credit or debit card as a back- up payment method.

In e- cheque method payment is make directly from customer's bank account. A customer can only send an e-Cheque if their bank account is the only payment method attached to your bank account. But if customer has a back-up payment method you will not be able to send e-Cheques.

Direct deposit or direct credit refers to deposit of money by a payer directly into a payee's bank account. Direct deposits are most use in the payment of salaries and wages and other type bill payment directly in others accounts. Direct deposits are most commonly made by means of electronic funds transfers effected using online, mobile, and telephone banking systems but can also be effected by the physical deposit of money into the payee's bank account.

Electronic bill is a type of e- banking innovation that allowing a customer of a financial institution or bank to transfer money through financial transaction or credit card account to the creditor or vendor such as a public utility, department store or an individual to be credited against a specific account. These payments are done electronically in the form of direct deposit through a national payment system, operated by the banks or in conjunction with the government.

Electronic check conversion is a process in which check is used as a source of information, information like check number, account number, and the number that identifies your financial institution. The information is then used to make a one-time electronic payment from customer account—an electronic fund transfer. A stored-value card means refer to payments card which have a monetary value stored on the card itself, not in an external account maintained by a financial institution.

Stored-value cards differ from debit cards as in credit cards the credit limit is set by the issuer but it is not in cash value stored as in this money is on deposit with the issuer. Another difference between stored-value cards and debit and credit cards is that debit and credit cards are usually issued in the name of individual account holders but stored-value cards may be anonymous, as in the case of gift cards.

Stored-value cards are prepaid money cards and may be disposed when the value is used, or the card value may be topped up. With the objective of promotion and encouragement of the applications of E-Banking, various initiatives have been taken by RBI and Indian Government. October 17, which paid attention to give legal recognition to electronic transactions and supplementary means of electronic commerce. Constant analysis of E-Banking legal requirements by RBI, so as to further make certain that financial solidity of Nation may not be influenced by E-Banking Challenges.

Vision Document , was framed by Dr. Banks has been therefore advised to make its safety feature stronger in e-banking. RBI Annual Report Besides this, efforts are being made by NPCI to take more mobile network operators with the intention that mobile banking services can be made accessible through a common platform. The Basel Committee on Banking Supervisions has enlightened risk management principles for electronic banking.

They primarily spotlight the extension and tailoring the existing risk-management plan to the electronic banking structure. Security Risk: Security issues and other related aspects has become one of the key concerns for Banking sector Prema C, Large proportion of customers resists adopting e-banking facilities considering safety and security concerns Kuisma T, Laukkanen T and Hiltunen M.

Therefore, it is a primary challenge for banks to convince the consumers on this aspect, which may further lift up the online banking usage. This is being believed by large no. According to the research, Andrews S and Shen A. The Trust Issue: Trust is the major obstacle to electronic banking for most of the customers. Traditional banking is oftenused by customers because of lack of conviction in the online bank transactions. They have a mindset that there is a risk in online banking transaction leading to different frauds and scams Ingle A and Pardeshi R, While using online banking services by the consumers, there always remains a doubt or question in their minds regarding the successful completion of that transaction till the time a confirmation message is received.

Customer Understanding: Knowledge or understanding regarding e-banking among consumers about is still at junior side in Indian context. Banks are not able to advertise entire information about the use, benefits and facility of online banking.

Therefore, one of the most ranked hurdles in the expansion of electronic banking is the less alertness of new technologies among customers. Karimzadeh M and Alam D, Less Internet diffusion in India: The online banking channel has altered over the years. So, it can be declared that understanding and availability of internet is still a one of the critical confronts that exists in Indian context.

Thus, the penetration of internet customer and knowledge related to internet are the major Challenges. Poor Infrastructure: Internet Banking needs consistent support of efficient infrastructure for effective implementation and expanded geographical reach. E- Banking has been restrained to expand itself to semi urban and rural areas due to poor Infrastructural facilities in terms.

Operating Conditions: India is a country of multiple cultures and multiple languages National Conference Proceedings, , but this makes operating methodology for online banking a bit difficult as displaying Instructions or Guidelines in Different languages is a cumbersome task.

Technological Illiteracy: In case of Mobile Banking, the technical rules and regulations are not understandable by many of the mobile users in lower class and resultantly, they find them difficult to operate. Consumers generally purchase Handsets in consideration to their budget and those Handsets sometimes offer the features which are unsupportive as far as Mobile Banking is concerned and this becomes a limitation in the execution of e-banking.

Training the Employees: Training imparted to bank employees is an easier task in case of private sector banks, as they have young dynamic computer literate employees, while in case of public sector banks, training the employees is a complex task as present staff is comparatively lesser computer literate.

In spite of this fact, they have been able to do influentially well after functioning on it for over a decade now. Customer Education: E-banking facilities were being made accessible to customers from early days in case of private banks. However, in case of old public sector banks, it is quite difficult to persuade their customers regarding the utility of this program.

Imparting Education among customers formally with respect to e-banking is a difficult task. Considering this, banks opted for providing monetary inducements like a Free Debit card, Free Net Banking facilities, providing constant and timely information to customers regarding Monthly Statement of their accounts on E- Mail, etc. Restricted Business: Another challenge for e-banking is that all the banking transactions cannot be executed online or through other electronic mediums; for few services like deposits and withdrawals, one has to approach Banks physically.

Although, it has been observed that some of the banks have automated their method and their customers front end but still numerous follow traditional process back end. This in a way confines the customers due to limited awareness and technical hurdles. Cost of Technology: Initial Cost of investment is high in terms of cost of personal computers and other Equipments required to perform the electronic Banking transactions.

The cost of maintenance of all these devices like modems, routers, entire IT set up is also large. At the same time,. After the discussion of Challenges related to e-banking in India, one cant at the same time, ignore the numerous opportunities available for development of E-Banking in Indian context, and these are highlighted below:. Escalating no. Therefore, it is observed that increasing no. Table no. There were ,, Indians as on July, who were using internet and this number is continuously increasing by roughly 3.

On the basis of this data, Rate of growth calculated is percent since Com Score Report, , stated that India now attains worlds third position in terms of No. All the urban areas have banking services but small number of big villages has the banks. Therefore, e-banking must expand its geographical reach in remaining all villages because large proportion of Indians still living in rural areas. Hard work or Initiatives taken by government agencies for financial literacy: Internet Banking and inclusive growth is highly affected by financial literacy.

Many topics on e-banking and its services has been included in school curriculum with the purpose of making students aware about as to how to use it. Knowledge to home makers, managers and retired people is also imparted to increase the usage of electronic banking.

RBI Report b. Competitive Gain to Banks: Another opportunity is in terms of competitive gain enjoyed by banks by adopting e- banking. The carrying out of e-banking is profitable for banks as it shrinks cost to the banks, improves the efficiency in customer relations, and expand the geographical reach of the bank D'Silva B, D'Silva S, and Bhuptai R S, etc.

Therefore, competitive gain to Banks because of e- banking provides opportunities to the banks to deal with their e-banking business in an effective way. Opportunities for Customers: In Indian context, Opportunity for e-banking is large in terms of its increased use by Customers. Customers can control their account from office or home, and can also shell out bills using net banking.

Thus, by the exploring e-banking services, consumers can access to banks 24X7. With the passage of time, Concept of E-Banking has got consideration in Indian context. E-Banking services have been effectively implemented by many public and private sector banks as it is profitable for Consumers as well as banks.

The Role of information and technologies has been exceptional in endorsement of e-banking. But still there is a need to have more innovative solutions as even now also e-banking is faces many challenges like , i.

This paper also highlights the opportunities that are available in India for the development of e- banking. Key opportunities can stated in terms of untapped rural markets, competitive advantage held to Banks, increasing internet users, efforts initiated by government of India, etc. In contrast to overseas banks, online services presented by domestic banks still have an extended way to move. One fact to be admitted is that supportive and efficient infrastructure can make Indian Banks reach masses.

This paper fundamentally analyses and presents the sketch of E-Banking in India. Studies in the past have discovered that Internet Banking is accepted by Indian consumers but the growth would certainly take time. In this context, advance studies may be conducted to examine the various forces which direct the consumer intend to take up internet banking services.

Srivastava, R. Customers perception on usage of internet banking. Innovative Marketing, 3 4 , Haq, S. E-banking challenges and opportunities in the Indian banking sector. Innovative Journal of Business and Management, 2 4 , Gupta, P. E-banking- New emerging trends in Indian banking industry. Research Journal of Economics and Business Studies, 1 10 , June Jamaluddin, N. November, E-Banking: Challenges and Opportunities in India. Proceedings of 23rd International Business Research Conference.

Melbourne, Australia. Jain Megha Arunkumar and Barhate G. PDF Version View. Department of Management Studies, B. The present paper mainly focused on the need of innovation in India in field of e-banking and also try to put light on the available benefits, opportunities and current challenges faced by banking sector to boost up E-banking in India Keywords- E-Banking, ATMs, Information Technology, EFT In India innovation in baking sector was began since with introduction of liberalization and globalization processes as result of it E- Banking came into progress.

The banking system verifies the user and provides access to the requested services, the range of products and service offered by each bank on the internet differs widely in their content. Selvam and Nanjappa , in their study, examined customers awareness and satisfaction about e-banking of ICICI bank on the basis of vital statistics of the E-banking users.

To study the current financial innovations in e- banking in India. To study the various challenges Indian E-banking sector is facing in current scenario. To know about the opportunities available in E-banking in India. Recommendations and guiding principles of Working committee was acknowledged by Reserve Bank of India and accordingly plans were issued to banks to employ internet banking in India Table exhibit a few facts related to electronic banking with respect to its present scenario.

These services include Checking and savings accounts Consumer loans and mortgage financing Credit and debit cards Private banking services Introduction of e- banking made banking very convenient and time saving. Based on the previous literature, the proposed hypothesis is as follows:.

TR holds a crucial role in minimizing risk in the case of conflict between banks and customers Gefen et al. Further, bad technology will increase the risk that causes a decrease in the level of satisfaction and willingness of customers to use IB Yuan et al. From this explanation, the hypothesis can be proposed as follows:. SN is referred to as the normative belief of the social environment that motivates an individual to perform a certain behavior.

Chan found that social pressure plays a crucial role in describing the adoption of the Internet which has been a widely discussed topic. Some researchers emphasize that SN is a factor that needs to be taken into account for influencing individual AT Taib et al. In the study of Liao et al.

On the other hand, several researchers such as Lada et al. Therefore, the hypothesis can be formulated as follows:. In this study, AT could be described as positive or negative feelings of customers in using IB services. Based on the above explanation, the proposed hypothesis is as follows:. For data collection, this study distributed a structured questionnaire comprising three parts, to IB users in Indonesia.

The second and the third part is designed to be the measurement instrument adapted from the previous literature related to the model of technology utilization and their development in the context of using several technologies in general and IB technology in particular.

The advantage of this technique is that it could use abnormal data and explain the differences between the target constructs. PLS-SEM is a two-step process in which the first measurement model is analyzed to check the reliability and validity of the data.

Second, an assessment of the structural model is carried out for path analysis and hypothesis testing. The respondents consist of Islamic bank customers and Conventional bank customers in 34 Provinces in Indonesia. Meanwhile, for the monthly expenditure, For the educational background, For the occupation, the majority of respondents Meanwhile, conventional bank respondents consist of men For the monthly expenditure, The loading factor of all constructs is above 0.

In Table 2, the result of loading factors of Islamic and conventional banks before and during the Covid pandemic shows that the perceived risk was below 0. Although some other literature explains that the lowest loading factor that can be accepted is 0. Meanwhile, the values of rho A and composite reliability are also higher than 0.

After fulfilling the reliability and validity requirements, the data is tested to determine the model fit. SRMR is defined as the difference between observed and expected correlations in the model and it is used as an absolute measure of the matching criteria.

The model is considered goodness of fit when the SRMR value is less than 0. As the value is less than 0. The NFI value ranges from 0 to 1. The model can be said to be fit when the NFI value approaches the value of 1 Lomoller, From Table 4, it can be seen that the NFI values of Islamic and conventional banks before and during Covid are close to 1 to have an acceptable model fit.

For conventional banks, the NFI values before and during Covid are 0. The next model fit is adjusted R 2 which illustrates the ability of explanatory variables in measuring the customer intention to adopt IB. The value of R 2 for Islamic banks before Covid is 0, which means that the ability of explanatory variables in measuring customer intention to adopt IB is Meanwhile, the value of R 2 of Islamic banks during Covid is 0.

Meanwhile, for conventional banks, the value of R 2 before Covid is 0. For the conventional bank, the value of R 2 during Covid is 0. The result shows that before and during the Covid pandemic, AT of Islamic and conventional banks has a significant positive effect on customer intention to adopt IB.

Meanwhile, PEU in Islamic and conventional banks before and during the Covid have no significant positive effect on customer intention to adopt IB. These results indicate that before and during the Covid pandemic, the customers of Islamic and conventional banks found it difficult to use IB. PU of conventional banks before and during the Covid pandemic is found to have a significant positive effect on customer intention to adopt IB.

This finding is similar to the original TAM model and consistent with the research of Heryani et al. On the other hand, PU of Islamic banks have a significant effect on the use of IB during Covid, but no significant effect before that. This shows that Islamic bank customers feel more benefits from IB during the Covid pandemic, compared to before the Covid pandemic. SN in Islamic and conventional banks before and during the Covid pandemic significantly influenced the customer intention to adopt IB.

From these results, it can be said that the people closest to the customer environment also influence the intention of Islamic and conventional bank customers to use IB. However, the result is not in line with the research conducted by Kholid , which found that social factors or the influence of the closest people do not affect the intention of millennial customers in using digital banks. Meanwhile, conventional banks before the Covid pandemic shows that TR influenced the customer intention to adopt IB.

This result is supported by the research of Sharma et al. This shows that the Covid pandemic reduced customer confidence in Islamic and conventional banks to use IB. IB is utilized by customers to make it easier to meet the needs of customers and banks Simintiras et al. The dynamic character of young people requires the management of banks to implement effective marketing strategies to increase the use of IB by customers Meuter et al.

As most of the young people are students who can use the Internet, it is not difficult for them to utilize the IB facilities provided by banks Alalwan et al. IB facilities could not only help the customer in term of business transactions but also help them to save time and energy Gumussoy, Indonesian banks can also use social media to conduct socialization in a more persuasive, advanced, and economic way.

Indeed, social media like YouTube, Facebook, and Twitter show a higher level of accessibility because everyone can easily access this application. Berthon et al. As per a research in January , there are ten main social media platforms in Indonesia which are Youtube million users , Whatsapp million users , Facebook million users , Instagram million users , Line 89 million users , Twitter 78 million users million , FB Messenger 71 million users , BBM 57 million users , Linkedin 50 million users , and Pinterest 4 million users We are Social, This fact shows that social media has been used by all Indonesian people in Thus, using social media applications to promote the adoption of IB will help Indonesian banking to reach more banking customers.

Ghani, Problems experienced by customers of Islamic and conventional banks during the Covid pandemic are the difficulties faced in using IB. Banks must improve the facilities needed to optimize the use of IB. For this reason, IB should not only provide online banking facilities but also simplify online access, provide a variety of menus to suit customer needs, and launch more attractive features. Initially, banks need to concentrate on providing IB channels compatible with other common technologies used by customers.

At the same time, banks need to convince them that using these channels is not much different from other technologies Vukovic et al. The data for this study consisted of Islamic bank customers and Conventional bank customers. The findings show that this research successfully predicted the intention of customers to use IB.

The results show that all TPB constructions AT and SN significantly predicted customer intention in Islamic and conventional banks before and during the Covid pandemic. In the case of the TAM construct, it was identified that the PEU is not found to have a significant effect on the intention of customers of Islamic and conventional banks to use IB. Meanwhile, before the Covid pandemic, PU of Islamic banks does not affect the intention of customers, but PU affects the conventional banks before and during the Covid pandemic.

Furthermore, an insignificant relationship is found between TR TR and customer intention to use IB, which shows that customers still consider using IB as a risky platform. Thus, the current study can contribute to the management of Islamic banks and conventional banks to make policy strategies to improve IB technology socialization and innovation for customers. The method used in this study is the quantitative method.

The use of quantitative methods can limit the ability of current research to look more closely by clarifying more problems related to the intentions and behavior of Indonesian customers using IB. Therefore, future studies are suggested using quantitative and qualitative methods to get a more detailed explanation of the results of this study. This research concentrates on customers who have used IB in Islamic and conventional banks and does not include other types of customers who defer, oppose, and reject IB.

However, studying such customers can help to have a further understanding of the main obstacles that hamper the acceptance of IB. Besides, this research focuses entirely on the customer perspective without any perspective of the bank. Therefore, this can be a limitation for this study as it does not give a comprehensive picture to clarify the main aspects related to the successful implementation and adoption of IB from both parties; customers and banks.

File Download PDF. Introduction Nowadays banking services are required to be more flexible, quicker, and easier along with the tremendous technology in the globalization era. Literatur Review 2. Figure 1: Research Model 2. Based on this review, the proposed hypothesis is as follows: H1: Perceived usefulness has a significant influence on customer interest to adopt IB 2. Based on the previous literature, the proposed hypothesis is as follows: H2: Perceived ease of use has a significant influence on customer interest to adopt IB 2.

From this explanation, the hypothesis can be proposed as follows: H3: Trust has a significant influence on customer interest to adopt IB 2. Subjective Norm SN SN is referred to as the normative belief of the social environment that motivates an individual to perform a certain behavior. Therefore, the hypothesis can be formulated as follows: H4: Subjective norm has a significant influence on customer interest to adopt IB 2.

Based on the above explanation, the proposed hypothesis is as follows: H5: Attitude has a significant influence on customer interest to adopt IB. Research Method 3. Procedure and Sample For data collection, this study distributed a structured questionnaire comprising three parts, to IB users in Indonesia.

Sample Descriptive The respondents consist of Islamic bank customers and Conventional bank customers in 34 Provinces in Indonesia. Results 4. Confirmatory Factor Analysis, Reliability, and Validity The loading factor of all constructs is above 0. Analysis of Model Structure and Hypothesis Testing After fulfilling the reliability and validity requirements, the data is tested to determine the model fit. Table 4: Fit Model The next model fit is adjusted R 2 which illustrates the ability of explanatory variables in measuring the customer intention to adopt IB.

Table 5: Hypothesis Test 5. Managerial Implications IB is utilized by customers to make it easier to meet the needs of customers and banks Simintiras et al. IB facilities could not only help the customer in term of business transactions but also help them to save time and energy Gumussoy, Indonesian banks can also use social media to conduct socialization in a more persuasive, advanced, and economic way.

Conclusions The data for this study consisted of Islamic bank customers and Conventional bank customers. References Abbad, M. E-banking in Jordan. Behaviour and Information Technology, 32 7 , Journal of Retailing and Consumer Services, 40 , Key drivers of Internet banking services use. Online Information Review, 33 4 , Usability guideline for banking software design. Computers in Human Behavior, 62, Analysis on Internet banking services in Indonesia: Impact of customer value to converting intention.

Journal of Asian Finance, Economics and Business, 6 1 , Determinants of young consumers' intention to use Internet banking services in India. Vision: The Journal of Business Perspective, 18 3 , Marketing meets Web 2. Business Horizons, 55 3 , Theory of planned behavior: A perspective in India's internet banking.