AWARENESS LEVEL OF E-BANKING AMONG CUSTOMERS

Dr. Jignesh P. Vaghela

R.V.Patel College of Commerce, Amroli, Surat.

Dr. Khushdip Kaur

Khalsa College for Women, Punjab

Mukesh R. Goyani

R.V.Patel College of Commerce, Amroli, Surat.

E-mail : mukeshgoyani@yahoo.com

Mobile No. :  09724847568

Abstract: 

The world is currently experiencing a foremost change i.e. "The Information Technology Revolution". The foundation stone of this revolution is the innovations and developments in Computing and Telecommunication Technologies. The effect of IT on service sector is large as compared to others. All over the world, the banking sector being a service provider has been observing a big change in its working environment, policies, organizational structure, service delivery channels and deployment of new products. Electronic Banking (e-banking) is a modern banking system. It is the accessibility of banking services in electronic form , which were traditionally available only at bank-counters and dispersed by the humans. E-banking is changing the ways of doing banking business with modern technologies and techniques. It is the replacement of traditional tools such as papers and pencils with electronic system. The e-banking is not limited to the cash withdrawal or funds transfer from one account to another. It includes all electronic platforms ranging from self-service terminals to internet and cell phones. This is a bouquet of all banking information or services that a customer desires from a financial organization. Current paper focuses on awareness of e-banking services among customers, various factors influencing the customers for using e-banking and problems identified by them.

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