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Authors
R.Jayanthi,Dr.N.Naveena
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Keywords
Mobile banking, Technology, Financial products.
Abstract
In the Modern banking scenario Mobile banking services plays a vital role in, financial sector. The technological advancement has enabled the new method of banking services to the customer.Mobile banking is a term used for performing balance check, account transactions, payments etc.It can also be understood as availing banking and financial services with the help of mobile telecommunication devices. Mobile banking is often transacted by SMS hence it is called as SMS banking. This branchless banking has extended the distribution of more financial services. It has lot of advantages for bankers and customers and it helps to maintain good relations with their customers, it facilitates quick feedback and helps in customer retentions and customer loyalty. Customers feel ease while using mobile banking transaction as they have unlimited access to bank services, with the advancement of technology it helps to raise domestic savings, increase money transfer at low cost and less financial transaction costs, customers moved according to the technology because of their busy schedule of their work.During non availability of banking service in holidays they are moving towards the internet services and other outlets to transfer funds for their purpose..Mobile and online banking frees customers from the need to call into branches or it takes phone for most common transactions and enhances their lives in a small way.The internet and mobile phone two technological advancement that have profoundly affected human behaviour in the last decade have started to converge.Communication of banks with the customers helps the banker to sell the financial product. Customer can check account balances and various information about their account,they can view last 30 days transaction history,view the payment of interest by banks of different types of account, processing of cheque details, purchase made by credit cards etc.are the key features of mobile banking. .Therefore they want to save time and cost for operating banking activities. At the same time customer satisfaction are influenced by reliability, safety and other perceived benefits on adoption of this services..This study also wants to highlight the role of service providers on individual awareness and usefulness of mobile banking.The main aim of the study is to find the customer attitude towards the use of mobile banking services,because the customers of the banking industry changed their attitude from traditional banking operations to modern banking concepts such as mobile banking, internet banking etc.
IJCRT's Publication Details
Unique Identification Number - IJCRT2604263
Paper ID - 305014
Author type - Indian Author
Page Number(s) - c187-c192
Pubished in - Volume 14 | Issue 4 | April 2026
DOI (Digital Object Identifier) -
No Of Downloads - 36
Author Country - India, 6390006, karur, karur, 6390006, Commerce All
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
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R.Jayanthi,Dr.N.Naveena, "The Role of Mobile Banking services in present era", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.14, Issue 4, pp.c187-c192, April 2026, Available at :http://www.ijcrt.org/papers/IJCRT2604263.pdf
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The International Journal of Creative Research Thoughts (IJCRT) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies.
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