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Electronic Banking: An Emerging Way of Customer Services

Author Affiliations

  • 1 Punjab Technical University, Jalandhar,INDIA
  • 2 RIMT Institute of Engg. and Technology, Mandi Gobindgarh, INDIA

Res. J. Management Sci., Volume 3, Issue (4), Pages 1-4, April,6 (2014)


The fast developments in the technology sector for last two decades enforce the banking sector to introduce E-Banking operation for the sustainable growth and expansion in the competitive environment. E-banking can improve a bank’s efficiency and competitiveness, so that existing and potential customers can benefit from a greater degree of convenience in effecting transactions. The objectives of this study are to view the emergence of E-Banking in the globalized as well as localize banking operation and also determine the customer’s perceptions about the online banking operation and the problems there from. To study the impact of E-Banking on the banking performance, a survey is conducted on the customers of a local bank. The analysis of the study states that the online banking is a demand of today’s customers, because it saves the cost and time for the settlement of their financial transactions. The major problem observed at end of the study is the lack of knowledge among the people about the use of Internet and computer, which ultimately hamper the growth of E-banking operation.


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