The Adoption Of Electronic Banking (E-Banking) In Odisha, India

摘要

Abstract: In today's world the emerging technology has made an exponential growth of the Internet which has changed the pattern of almost all the organizations in performing their business. The Indian banking industry is not an exception of it. From the year 1990s privatization of banks, proliferation and emergence of so many foreign and private sector banks like ICICI, HDFC, CANARA banks etc have emerged in the Banking Industry of India. Both private and public sector Banks in India have been trying to give out their best service to their customers in terms of Banking Hall Transactions, Internet Banking, Automated Teller Machine (ATM) Banking, Mobile banking, Credit Card Transactions etc. The convenience of using ATM for banking transactions by customers of Banks in Odisha a major role to play in customer retention and satisfaction. This research paper aims to check if the current and prompt technological revolution altering the whole world has crucial impacts on the banking sector in Orissa. It is mainly based on data, collected from banking customers in different commercial banks of Odisha. Hence the findings of this research will help the banks to establish a customer oriented strategy to retain their customers in future. It mainly focuses on investigating the important factors influencing the online customers' satisfaction with the overall service quality of their concerned banks. It emphasizes on measuring the ATM standards and service quality with a research focus on the commercial banking sector in Odisha. The methodologies used for this research involved interviews with bank customers and bank managers of the case study banks and administrations of questionnaires to a number of bank customers in Odisha. To investigate in the real-time scenario we have taken the case study of some Commercial banks limited in Odisha in order to understand 'why' and 'how' the electronic banking could not be implemented successfully.