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This book was carried out to validate the conceptual model of
internet banking. Internet banking is still at infancy stage in the
world. Many studies focused on usage of internet banking but many
factors on non-usage were overlooked. This research was carried out
to validate the conceptual model of internet banking. The causes
were identified and researched through correcting the causative
factors so that internet banking can be used by more people. This
will help the banking operations to be more cost effective. The
research is focused on what are the customer's perceptions about
internet banking and what are the drivers that drive consumers. How
consumers have accepted internet banking and how to improve the
usage rate were the focus of research area in this study. The
purpose of this research is to determine the factors influencing
acceptance level of internet banking by the bank customers. The
study revealed that education, gender, income plays an important
role in usage of internet banking. Not much research has been done
on these areas as they were focused more on the acceptance of
technology rather than on people.
Indian Banking system has played a crucial role in the
socio-economic development of the country. The system is expected
to continue to be sensitive to the growth and development needs of
all the segments of the society. The banking system that will
evolve will be transparent in its dealings and adopt global best
practices in accounting and disclosures driven by the motto of
value enhancement for all stakeholders. The Indian banking sector
has emerged as one of the strongest drivers of India's economic
growth. Positive changes witnessed in the last two decades have
impacted every aspect of banking, ranging from regulatory standards
to customer management. Indian banks adapting to the changing
landscape along with the vision of the regulator and the Government
in shaping the future growth of banking were two of the noteworthy
features of this transition. The banks evolved their strategies in
response to increasing competition and changing customer
requirements, the regulator guided its growth with policies of
gradual liberalization and benchmarking the domestic system with
the best in the world, even if it appeared conservative at times.
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