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Challenges and Opportunities in Digital Banking: A Consumer Perspective
Authors
Vasudeva D.M,P. Paramashivaiah,Venkatesh G
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Keywords
State Bank of India, Awareness, Problems, Digital Banking
Abstract
In India, banks are essential to the country's economic growth. They mobilise public savings and provide a range of services. The banking industry saw new banking techniques after the economic changes in 1991. The Saraf Committee, which was established by the Reserve Bank of India in 1994 and proposed the deployment of the Electronic Fund Transfer System (EFT). Digital banking refers to financial transactions made online. Customers may conduct financial transactions more easily thanks to digital banking services. It offers financial services round-the-clock. The government wants to digitise every transaction with the establishment of financial inclusion in the year 2005. The goal of the government is to digitise every transaction. Only when clients are aware of the service and its mode of operation can they use digital banking services. Therefore, it is important to understand how much people are aware of online banking services and the issues they encounter. A total of 235 respondents from urban and rural areas were chosen for the study using a simple random sample procedure. The study is restricted to the State Bank of India in karnataka. According to the report, ATM cards are the digital banking service that clients are most familiar with, and complicated transaction processes are the main issue they encounter. There is a suggestion that SBI should increase public knowledge about all the digital banking services.
IJCRT's Publication Details
Unique Identification Number - IJCRT2502929
Paper ID - 278230
Author type - Indian Author
Page Number(s) - h844-h851
Pubished in - Volume 13 | Issue 2 | February 2025
DOI (Digital Object Identifier) -
No Of Downloads - 115
Author Country - India, 572103, Tumkur, Tumkur, 572103, Commerce and Management, MBA All Branch
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Vasudeva D.M,P. Paramashivaiah,Venkatesh G, "Challenges and Opportunities in Digital Banking: A Consumer Perspective", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.13, Issue 2, pp.h844-h851, February 2025, Available at :http://www.ijcrt.org/papers/IJCRT2502929.pdf
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