Ebanking research papers

IJEBank concentrates on the proposition of sound theoretical models, methodologies and best practices and aims to provide consultation on and promotion of the discipline. The banking sector provides a key backbone for sustainable development, investment and finance.

The technological explosion has resulted in a critical reconsideration of the deployment of information and communication technologies in knowledge-based economies. With an emphasis on the internal capacities and infrastructures of modern banking organisations and also on the external "outlook" of customers and businesses, IJEBank compiles complementary views of disciplines and promotes sound contributions to the theory and practice of e-banking.

IJEBank recognises the need to bring together academia and industry to explore all synergies and exploit all the benefits of applied research to sound business problems. Therefore, the ultimate objective of IJEBank is to bridge the theoretical approaches commonly found in academic research with the real needs of the banking sector and other economic sectors.

IJEBank is not about electronic banking as a new verbalism.

International Journal of Electronic Banking

It is about e-banking as an applied domain with a great contribution to the knowledge society. IJEBank aims to establish value-adding knowledge transfer and personal development channels in three distinctive areas: academia, industry and government, which summarise the three pillars in which a scientific publication can play a significant role.

IJEBank publishes original research papers providing significant results and also short communications about innovative ideas, along with news, announcements and reviews regarding the topics of the journal. Editor in Chief Assistant Prof. About this journal Editorial board Submitting articles.

Objectives The banking sector provides a key backbone for sustainable development, investment and finance. The scope of the present study has been kept limited to public and private sector Indian banks operating in Chandigarh, Mohali and Punchkula. Primary sources of data were a structured questionnaire designed for the purpose of getting customer responses regarding e- banking.

It was found that there is no significant difference and the hypothesis stood accepted. Although e-banking services have gained a lot of attention due to its enormous advantages, many consumers are still not Although e-banking services have gained a lot of attention due to its enormous advantages, many consumers are still not willing to use them because of the risk involved in conducting transactions online, hidden charges, lack of trust and system failure.


There is a plethora of research conducted on the positive utility gains attributable to e-banking adoption or usage but the measures of potential negative utility perceived risk have been ignored. In the present study, the diverse literature available worldwide on perceived risk factors in e-banking has been explored by using interpretative approach, viz. This study builds up a strong conceptual framework for the researchers by thoroughly analyzing the empirical studies on perceived risk in different countries. The current research adds value to the existing literature and also leads to discussion addressing further areas for open debate and research.

Our approach has meaningful implications for managing risk in the e-banking sector. The banks should put more emphasis on implementing e-banking risk management practices in order to increase usage of e-banking services among consumers. Purpose: The aim of the present paper was to identify current customers of e-banking by predicting their intention to use and its acceptance and impacts on customer satisfaction in selected banks of Ethiopia.

Research philosophy and Data was collected from a self-administered survey from selected banks of Ethiopia. As a result, the analytical results presented here thus may have limited generalisability and care should be taken when generalising the findings of this study.

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E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria. This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis.

Internet Banking Explained

The study employed The study employed a cross-sectional survey design and convenience sampling technique. One hundred bank customers were surveyed through a self-report questionnaire. Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers' segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services.

In the absence of a literature review for an adoption of internet banking in developing countries, this study was conducted to review and summarize the most evaluated articles in the literature. The significance of this work came from The significance of this work came from three concepts which are to highlight the concepts of research in developing countries, to accentuate the dominant models which have been used effectively in analyzing the constructs in adopting internet banking, and thirdly, to shed some light on the gaps in the potential applications for the system in the future.

The results from this review are limited to 28 articles which were selected from a total of The factors revealed to have important effects on the acceptance and adoption of the system were trust, perceived ease of use, and perceived usefulness, security and privacy and social influences. Customer Perception Regarding E Banking 1kgird1. E-Banking i. The government of India has enacted the IT Act with effect from October17, which provided legal recognition to electronic The government of India has enacted the IT Act with effect from October17, which provided legal recognition to electronic transaction and other means of E-commerce the Reserve Bank of India is monitoring and reviewing the legal and other requirements of E-Banking on a continuous bases to ensure that E-banking would develop on sound lines and E-Banking related challenges would not pose a threat to financial stability.

The present research is descriptive is nature and study the challenges and issues faced by the banking sector in India. Bankers Training courses In the modern era of technology. Every work in the human life is much easier than the traditional one. Due to technology everything is computerized.

Electronic Banking Group Initiatives and White Papers

Banking is also the one from all of them. After the 18th centaury banking industry has After the 18th centaury banking industry has been much developed in the field of technology.

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Due to technology there are so many innovations in banking sector. Every work in the banking industry is computerized from opening of account to transfer of money through e banking, which needs not to go to the banks and stand in a long queues for a long time which helps the customers as well as banking institutions to do work easy, efficient and fast.

E Banking also makes the competition between different banks for providing a better services to their customers and also attract the more and more customers. The different amendments by the RBI they made to follow the mandatory rules and regulations, guidelines, instructions for the banks and customers, It helps to provide privacy to the customers about their account and every transaction while operating their account at the time of online banking.

But at this present scenario few of the customers are not take the advantage of this e banking due to unawareness and uneducation because technology demands knowledge to operate it. In some of the banks public sector banks few of the staff is with old age ones officials they have very less knowledge about computerized banking e banking and this thing takes long time when they do any transaction.

And these are the burden on the public sector banks to spent much money on their training that how to operate the computers while work in the bank to deal any transaction. Otherwise technology has played pivotal role in banking sector. After the demonetisation exercise of November E Banking has come to receive a renewed impetus.

Electronic Banking Group Initiatives and White Papers

Today even owner of small shops in cities offer you an e payment option. Strong banking system is a prerequisite for healthy and Strong banking system is a prerequisite for healthy and prosperous economy. Today Information and communication technology ICT has taken the centre stage in almost every aspect of human life. ICT helps the banks to improve the efficiency and effectiveness of the services offered to the customers and enhances the business processes. E banking is one way how ICT has transformed banking. Today I am no longer customer of a bank branch rather I am a customer of the entire banking system.

ICT has connected all the banks as well as customers of all banks.

This is saved businesses a lot of time and efforts. To be successful in the 21st century, every part of the world needs to move towards innovation in every domain life, based on an adequate and intensive use of information and communication technology ICT. Towards this, paper aims to examine the impact of ICT in general and e banking in particular on transforming businesses. This paper is mainly based on secondary source for data collection. Finance and time is limiting factor for this study. A study of E-banking and Its Impact in today's world.

E-banking has become the necessity these days. 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 technology and security standards are of prime importance as the entire base of Internet banking rests on it. Also the competition has increased to such an extent that the one who is not compatible with the changing environment is not able to survive for long.

Now-a-days, foreign banks are also entering into the Indian Banking Market.

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They are serving a hard and severe competition to nationalize and private sector banks. The study revealed that education, gender, and income play an important role in usage of internet banking. Introduction of these techniques have made the transactions and activities of businesses very effective and smooth. Many people are having access to Internet and Mobile Connections. But everything has two aspects-good and bad.