INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT AND MANAGEMENT, 2022
As a result of modernization and digitalization in banking industry, digital payments are on rise... more As a result of modernization and digitalization in banking industry, digital payments are on rise due to their many advantages over cash like ease of use, 24x7 access, and security and transparency. Several Banks in order to get competitive advantage are offering many digital payment modes to their customers like BHIM UPI, Debit Cards, Credit Cards, Mobile banking etc. Due to the COVID-19 all the countries of the world were badly hit including all the sectors whether it is education sector, transportation sector, tourism sector and banking sector. Pandemic forced peoples to stay inside their homes as lockdowns and curfews were imposed in almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So, in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage, average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT AND MANAGEMENT, 2022
As a result of modernization and digitalization in banking industry, digital payments are on rise... more As a result of modernization and digitalization in banking industry, digital payments are on rise due to their many advantages over cash like ease of use, 24x7 access, and security and transparency. Several Banks in order to get competitive advantage are offering many digital payment modes to their customers like BHIM UPI, Debit Cards, Credit Cards, Mobile banking etc. Due to the COVID-19 all the countries of the world were badly hit including all the sectors whether it is education sector, transportation sector, tourism sector and banking sector. Pandemic forced peoples to stay inside their homes as lockdowns and curfews were imposed in almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So, in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage, average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
In this era of Modernization the information technology has transformed various aspects of our li... more In this era of Modernization the information technology has transformed various aspects of our life.
The world is rapidly entering into the „Net age‟. The introduction of information technology has
facilitated the emergence of E-Commerce. Information technology is playing an active role in all the
sectors whether it is corporate sector, banking sector or service sector. With the emergence of
information technology in the banking sector it has given rise to many E-Banking products and
services. E-Banking products are of recent origin as compared to other countries. The present paper is
focused on customers‟ perception and acceptance E-Banking services in Kangra district of Himachal
Pradesh. In the present paper descriptive research design is used and primary data is collected through
questionnaires from 100 respondents. Various tools and techniques like Weighted Arithmetic mean,
Standard deviation, Skewness, and Chi-square are used for the data analysis. This paper reveals that
except debit card and credit card almost all the e-banking products and services like cash deposit
machine, passbook printing machine, mobile banking and internet banking are being used since 1-2
years by majority of the respondents, further among all the problems of e-banking, risk of privacy and
security are still the biggest problems that are hindering the acceptance of e-banking products and
service.
INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT AND MANAGEMENT, 2022
As a result of modernization and digitalization in banking industry, digital payments are on rise... more As a result of modernization and digitalization in banking industry, digital payments are on rise due to their many advantages over cash like ease of use, 24x7 access, and security and transparency. Several Banks in order to get competitive advantage are offering many digital payment modes to their customers like BHIM UPI, Debit Cards, Credit Cards, Mobile banking etc. Due to the COVID-19 all the countries of the world were badly hit including all the sectors whether it is education sector, transportation sector, tourism sector and banking sector. Pandemic forced peoples to stay inside their homes as lockdowns and curfews were imposed in almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So, in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage, average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT AND MANAGEMENT, 2022
As a result of modernization and digitalization in banking industry, digital payments are on rise... more As a result of modernization and digitalization in banking industry, digital payments are on rise due to their many advantages over cash like ease of use, 24x7 access, and security and transparency. Several Banks in order to get competitive advantage are offering many digital payment modes to their customers like BHIM UPI, Debit Cards, Credit Cards, Mobile banking etc. Due to the COVID-19 all the countries of the world were badly hit including all the sectors whether it is education sector, transportation sector, tourism sector and banking sector. Pandemic forced peoples to stay inside their homes as lockdowns and curfews were imposed in almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So, in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage, average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
In this era of Modernization the information technology has transformed various aspects of our li... more In this era of Modernization the information technology has transformed various aspects of our life.
The world is rapidly entering into the „Net age‟. The introduction of information technology has
facilitated the emergence of E-Commerce. Information technology is playing an active role in all the
sectors whether it is corporate sector, banking sector or service sector. With the emergence of
information technology in the banking sector it has given rise to many E-Banking products and
services. E-Banking products are of recent origin as compared to other countries. The present paper is
focused on customers‟ perception and acceptance E-Banking services in Kangra district of Himachal
Pradesh. In the present paper descriptive research design is used and primary data is collected through
questionnaires from 100 respondents. Various tools and techniques like Weighted Arithmetic mean,
Standard deviation, Skewness, and Chi-square are used for the data analysis. This paper reveals that
except debit card and credit card almost all the e-banking products and services like cash deposit
machine, passbook printing machine, mobile banking and internet banking are being used since 1-2
years by majority of the respondents, further among all the problems of e-banking, risk of privacy and
security are still the biggest problems that are hindering the acceptance of e-banking products and
service.
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almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So, in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage, average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
access, and security and transparency. Several Banks in order to get competitive advantage are offering many digital payment modes to their customers like BHIM
UPI, Debit Cards, Credit Cards, Mobile banking etc. Due to the COVID-19 all the countries of the world were badly hit including all the sectors whether it is education
sector, transportation sector, tourism sector and banking sector. Pandemic forced peoples to stay inside their homes as lockdowns and curfews were imposed in
almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So,
in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from
secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage,
average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
The world is rapidly entering into the „Net age‟. The introduction of information technology has
facilitated the emergence of E-Commerce. Information technology is playing an active role in all the
sectors whether it is corporate sector, banking sector or service sector. With the emergence of
information technology in the banking sector it has given rise to many E-Banking products and
services. E-Banking products are of recent origin as compared to other countries. The present paper is
focused on customers‟ perception and acceptance E-Banking services in Kangra district of Himachal
Pradesh. In the present paper descriptive research design is used and primary data is collected through
questionnaires from 100 respondents. Various tools and techniques like Weighted Arithmetic mean,
Standard deviation, Skewness, and Chi-square are used for the data analysis. This paper reveals that
except debit card and credit card almost all the e-banking products and services like cash deposit
machine, passbook printing machine, mobile banking and internet banking are being used since 1-2
years by majority of the respondents, further among all the problems of e-banking, risk of privacy and
security are still the biggest problems that are hindering the acceptance of e-banking products and
service.
almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So, in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage, average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
access, and security and transparency. Several Banks in order to get competitive advantage are offering many digital payment modes to their customers like BHIM
UPI, Debit Cards, Credit Cards, Mobile banking etc. Due to the COVID-19 all the countries of the world were badly hit including all the sectors whether it is education
sector, transportation sector, tourism sector and banking sector. Pandemic forced peoples to stay inside their homes as lockdowns and curfews were imposed in
almost all the countries of the world, and due to the fear of getting infected peoples are hesitating in dealing in cash which gave boom to the digital payments. So,
in the present research paper an attempt has been made to know about the impact of COVID-19 on various E-banking modes. Data has been collected from
secondary sources like RBI reports, Govt. of India reports on digital transactions, various journals and other published materials. Statistical tools like percentage,
average annual growth rate (AAGR) and compound annual growth rate (CAGR) are used for the analysis of collected data.
The world is rapidly entering into the „Net age‟. The introduction of information technology has
facilitated the emergence of E-Commerce. Information technology is playing an active role in all the
sectors whether it is corporate sector, banking sector or service sector. With the emergence of
information technology in the banking sector it has given rise to many E-Banking products and
services. E-Banking products are of recent origin as compared to other countries. The present paper is
focused on customers‟ perception and acceptance E-Banking services in Kangra district of Himachal
Pradesh. In the present paper descriptive research design is used and primary data is collected through
questionnaires from 100 respondents. Various tools and techniques like Weighted Arithmetic mean,
Standard deviation, Skewness, and Chi-square are used for the data analysis. This paper reveals that
except debit card and credit card almost all the e-banking products and services like cash deposit
machine, passbook printing machine, mobile banking and internet banking are being used since 1-2
years by majority of the respondents, further among all the problems of e-banking, risk of privacy and
security are still the biggest problems that are hindering the acceptance of e-banking products and
service.