Online Banking

Reference: Jindal Mayank, Dr. Vijay Laxmi Sharma, (2020). Usability of Online Banking in India during Covid-19 Pandemic. International Journal of Engineering and Management Research, Vol. 10, No. 6, pp. 69-72... Abstract: Covid-19 is a virus developed in 2019 from the corona family virus. It is spreading across the world since Dec 2019 by the close contact of an infected person or fomites of Covid-19. It developed naturally in Wuhan (An State of China) or possibly develop by China research center "Wuhan Institute of Virology". It is spreading very fast across the world. World Health Organization and most countries including India it has declared a pandemic. People can protect themselves by this pandemic by maintaining social distance. But the basic need (Food and Medicine) is important for continuo their life and in it the transfer of money plays an important role. Online banking can make the transaction through an electronic basis without the exchange of any tangible commodity with maintaining social distance. Online banking is the modern concept of banking in which people can do some banking activities (like Transfer cash transfer and in the account, Check Bank Balance, Payment of Bills, Phone recharge and etc.) through using the Internet in their phone, computer. One of the most important features of online banking is that it can totally operate electronically basis without the exchange of any tangible commodity and it has made it an important tool to protect from the pandemic. The purpose of this study is to assess the contribution of online banking to stop the pandemic of Covid-19. A survey has been done to achieve the objectives of this paper. It is found that online banking playing an important role in the Covid 19 period to protect the people. People felt completely safe from the COVID 19 virus in the online payment of bills and recharge of prepaid mobiles and dish T.V.

This paper highlights the factors affecting customer acceptance of online banking in Pakistan. The factors include Perceived Credibility, Perceived Usefulness, Social Risk and the moderating effect of Technophobia on all three relationships of independent variables with Customer Acceptance. Online banking is growing in Pakistan at a gradual pace, and tapping this growth is cardinal for banks. The primary rationale of this research is to scrutinize the customer acceptance of online banking in Pakistan. As a conceptual framework an extended Technology Acceptance Model (TAM) was developed to investigate the influencing determinants of customer acceptance. The study was conducted in Rawalpindi and Islamabad, and data was collected through questionnaires administered both personally and online. The regression results of the study showed that Customer Acceptance is affected by the three independent variables, and that Technophobia only moderates the relation between Perceived Credibility ...

The banking sector is one of the main economies contributing segment that dominates the financial system of Sri Lanka through the highest share of the total financial assets. As a rapidly growing industry, both private and public-sector banks are playing a critical role to secure their financial assets. The banks engage in competition, seeking strategies to embrace more customers by providing diverse services and facilities in the term of accomplishing the transaction in an efficient way. The e-banking concept is one of the successful concepts in economically well-established countries. Developing countries like Sri Lanka still in discussions, about the success rate of the adoption of E-Banking technology. The research intended to analyze the critical success factors that affect the growth of E-Banking services. The methodology used to conduct this research is a qualitative and quantitative-based survey. The online survey circulated through Email and the survey were completed by 250 samples of people covering both rural and urban areas. Among responses, more than 82% of the participants agreed on issues with user interfaces. The total 70% of the participants highlighted the fear of the security considerations on their banking credentials. It is very important to highlight the language barrier of the users and it was the highest percentage, more than 90%. According to the critical success factors analysis, Enhance the user-friendliness of application, Minimize the language barrier providing the language selection and Educate the security levels will increase the usability of the e-banking in the Banking Industry.

Mobile banking is part or result of the mobile technological boom in recent years. Even though automated teller machines (ATM), telephone, and Internet banking offer effective delivery channels for traditional banking products, mobile banking is likely to have significant effects on markets.

Purpose-The purpose of this research is to analyse the influence of perceived web site security and privacy, usability and reputation on consumer trust in the context of online banking. Moreover, the paper also aims to analyse the trust-commitment relationship since commitment is a key variable for establishing successful long-term relationships with customers. Design/methodology/approach-The paper describes the positive effects of security and privacy, usability and reputation on consumer trust in a web site in the online banking context. Besides this, it also suggests that trust has a positive effect on consumer commitment. After the validation of measurement scales, the hypotheses are contrasted through structural modelling. Finally, the paper compares the hypothesised model with a rival one in order to test the mediating role of trust. Findings-The data showed that web site security and privacy, usability and reputation have a direct and significant effect on consumer trust in a financial services web site. Besides this, consumer trust is positively related to relationship commitment. Finally, it is observed that trust is a key mediating factor in the development of relationship commitment in the online banking context. Research implications/limitations-The high costs every company has to face in order to attract new customers make it increasingly necessary to reinforce the ties established with customers. In this respect, this research offers several alternatives for improving the levels of consumer trust and commitment in the context of online banking. The limitation is that data were collected to a web survey only of Spanish-speaking subjects. Originality/value-This study proposes a model for analysing empirically the link between security, privacy and trust, amongst others, in the online banking context.

The purpose of this study is to examine factors affecting user security concerns among social media users in the educational sector. The researchers employed a quantitative research approach because the subject matter needs further definition. This aids researchers in determining a suitable research design and data collection method, as well as to examine the hypotheses and proposition developed in the current study. The researchers also used the quantitative method to test hypotheses used to propose a link between factors associated with social media, information security, and user awareness. Using convenience sampling of 338 social media users selected randomly and including students and staff members of the University of Bahrain, as well as individuals from outside of the University of Bahrain. The findings reveal that, both user awareness and user knowledge have strong influences on user attitude to behave securely when using such social media. User knowledge has an indirect effect on individual intention to behave securely. In addition, researchers find that respondents within a field of study related to information security have a higher awareness, which is reflected in their intention. Finally, intention alone may not be sufficient to instruct the level of awareness a user has regarding social media security concerns.

Now a day's due to the emerging world economy, e-commerce and e-business became increasingly a necessary component of business strategy and a powerful catalyst for economic growth. The integration of information and communications technology in business has revolutionized relationships within organizations and those between and among organizations and individuals. The new information technology for the financial services industry and in particular the further development of the banking industry is becoming an important factor. As well as according to health recommendations, one of the most effective ways to contain the current COVID-19 epidemic is to avoid personal contact. This means reducing the movement of people and increasing the time they spend at home as much as possible. In line with these indications, most banks in the affected countries have reduced the opening hours of their branches and they recommend their customers use online banking. At the same time, the adoption of e-banking provides a framework to assess the factors taken. With the emergence of the global economy, e-business has increasingly become a necessary component of business strategy and a powerful catalyst for economic growth. Online-banking has become popular because of its convenience and flexibility, and also transaction related benefits like speed, efficiency, accessibility, etc. It also provides easy transfer, faster operation, lower cost and time-saving. Results from this study indicate that a number of advantages to electronic banking is a service of the Azerbaijanian banking sector, at the same time, research shows that the banking sector in Azerbaijan submitted by customers regarding electronic banking do have enough information.

We need to find out how online banking has impacted on the lives of different age groups. The problem is that with the advent of advanced technology, which resulted in online banking services, what the different age groups' reactions to such services are. Obviously, different people react differently to any technology or introduction of new services. Online banking is relatively new in Botswana, and it is imperative to appreciate and evaluate how different people have and are reacting to this hence the researcher has taken much interest in carrying out this research. The impact on different age groups could help in strategizing ways and methods of benefiting these different age groups equally.

Banks are financial institution which can play an outstanding role between sustainable economic growth and environmental protection in order to prove themselves as environment friendly and socially accountable institution. For promoting this there is nothing but " Green Banking " which is the most talked topic in the recent banking activities and responsibilities. Green Banking refers to the banking business conducted in selected area and technique that helps the reduction of carbon emission surround the world. To aid the reduction of carbon emission bank should finance green technology and pollution reducing sectors. Green finance is an integral part of Green banking that makes a great contribution to the transition to resource-efficient and low carbon industries. Green Banking is certainly a new initiative throughout the world. The leading bankers and entrepreneurs have come forward to protect human being from environmental disasters. In the context of Bangladesh, if we think about it, we will find the situation to be terrible. Our people have little awareness about environment pollution and they do not understand the severe consequences of this pollution which will create an unexpected trouble in the coming decades.

Electronic business has been widely adopted in different parts of the world. In Nigeria, the initial adoption of electronic business in Nigerian banks was in 1990. The aim of this research was to identify if there was a significant impact of e-business services and products on the performance of banks in Nigeria.
Several research have been conducted on e-business and performance but in different contexts. This research is particularly of benefit to the bank understudied and the industry with which the bank operates. It is also essential to the academic field since e-business has not been researched based on its impact on banks’ performance in Nigeria. Performance of banks for the purpose of this research is based on employee efficiency and profitability.
A quantitative research design was adopted to answer the research question and achieve the research objectives. A branch of a bank was understudied and the respondents constituted all employees in the branch who are directly and indirectly involved in e-business products and services of the bank. A questionnaire was designed to achieve the purpose of the research and administered to respondents via Bristol online survey. The data collected were imported on Statistical Package for the Social Sciences (SPSS) and analysed with ANOVA.
From the results, electronic business had a significant impact on employee efficiency and profitability of the bank understudied. Electronic banking influences banking management, provides better channels to market bank’s products and services and contributes to effective cost management system. Electronic banking from the results had the strongest impact on the internal users (employees).
With the positive results from the study, banks in Nigeria that are yet to adopt e-business products and services are encouraged to do so since its adoption has helped in increasing the profit margin of banks and the efficiency of employees. 
Although there was a significant impact on employee efficiency and profitability, the results were limited to one branch of a bank. The results may not be the same with a wider population. Further research may be conducted on the impact of electronic business on the performance of Nigerian banks by understudying more than one bank.

This study investigates factors influencing millennials’ perception of usefulness regarding digital-only
banking. The current study proposes an integrated technology acceptance model (TAM) by combining
elements from the diffusion of innovation (DOI) theory to develop a theoretical model. The proposed
model was tested with data collected from 201 usable responses from millennials (18-40 years old)
who currently use or have used a digital-only bank. Correlation and multiple regression analysis were
employed to determine the underlying relationship between dependent variable (perceived
usefulness) and independent variables. The results revealed that perceived ease-of-use (PEOU),
relative advantage, and compatibility significantly influenced millennials’ perception of usefulness for
digital-only banks. In addition, self-efficacy and complexity had a positive influence on the perceived
ease-of-use of digital-only banking. Among all these factors, relative advantage has a major significant
effect on PU, followed by compatibility, and PEOU. Empirical results provide strong support for the
study’s integrative approach. The findings suggest the application of an integrated TAM and DOI
model for the investigation of the innovative banking system, which can help organisation decision
makers and marketing experts in planning and promoting the use of digital-only banking, through its
perception of usefulness by the target segment.

The objective of this study is to examine the relationship between demographic characteristics (gender and age) and customer satisfaction on online banking service quality factors in Visakhapatnam city, Andhra Pradesh, India. Primary data were collected through structured questionnaire from a sample of 513 chosen on purposive method. The statistical package for social sciences was used for analysis of the collected data. Reliability test and KMO & Bartlett's tests of sphericity were used to test construct reliability and validity, and chi-square test was used to test the assumed hypothesis. The study found significant relationship between demographic factors (age and gender) and satisfaction on some online banking service quality factors and no impact for the remaining factors. Findings of the study may help a banker to identify the critical areas to pay attention to, for improving decision-making in marketing, and segmentation and targeting of customers to increase customer satisfaction in online banking.

Fast-paced expansion of information and communication technology (ICT) revolutionizes different facets of contemporary human life and global economic landscape to a greater extent. Within technological transformation arena, retail financial services which includes retail banking activities performs a pivotal role. Technological advancement and internet facilities have demanded rapid changes radically in the financial services sector service delivery. E-banking facilitates bank customers to engage in an array of banking services via banks' official websites. Amidst these changes e-banking adoption has gained limelight as a researchable notion owing to challenges attributed in different markets and country contexts. This article review founded on the concept of e-banking adaption in line with theoretic and empirical discussions. Hence, literature review was exploited as the main research tool. Research paper attempted to introduce practice related insights by discussing cases that were found within the domain of e-banking adoption. Article is organized as a concept paper to emphasize some of the case evidences with special reference to consumer electronic banking whilst arguments have been supported empirically. Importance of customer awareness, innovativeness, service quality, trust and security aspects related to e-services and prioritizing of marketing to motivate adoption of e-banking solutions has been unveiled by the discussions. In conclusion, paper postulates directions for the future researches in line with empirical justifications.

Online banking services are order of the day in banking sector which enables the banks to offer hybrid banking products/ services. The online services of banking can target large base of customers with verity of banking services with speed and accuracy. The extent of penetration of online services depends on the availability and implementation of technology, regulations of government and market /customer readiness. The present paper examines the public and private sector bank of Ethiopia on penetration of online banking services. KEY WORDS: Advanced Online Services, Basic Online Services, Ethiopian Banking Sector, Online Banking and Online Customer Service and Support

Abstrak Pengguna pada hari ini berasa ragu serta bimbang untuk melakukan transaksi secara online banking kerana berpendapat keselamatan maklumat tidak terjamin, berlakunya kebocoran kerahsiaan peribadi serta tidak mempercayai ketelusan firma online banking dalam melaksanakan transaksi. Tujuan utama kajian ini ialah mengenalpasti sama ada wujudnya hubungan antara kebimbangan keselamatan maklumat, kerahsiaan peribadi, kepercayaan, kebiasaan penggunaan dan pengetahuan dengan hasrat pengguna untuk melakukakan transaksi secara Online Banking. Kajian dilakukan di Politeknik Tuanku Syed Sirajuddin. Rekabentuk kajian ini menggunakan kaedah tinjauan yang melibatkan borang soal selidik. Kajian ini menggunakan persampelan rawak mudah melibatkan 100 orang pensyarah daripada lapan Jabatan di PTSS. Ujian yang digunakan ialah korelasi Pearson. Dapatan kajian menunjukkan terdapat hubungan antara kebimbangan keselamatan maklumat (r=-0.212), kerahsiaan peribadi (r=0.218) kepercayaan (r=0.422), kebiasaan penggunaan (r=0.484) dan pengetahuan (r=0.422) dengan hasrat pengguna untuk melakukan transaksi secara Online Banking. Kesimpulannya ialah, pengguna yang biasa dengan penggunaan dan mempunyai pengetahuan akan melakukan transaksi. Selain itu, pengguna juga amat bimbang maklumat mereka disalahguna, dicuri dan dijual. Pengguna mahu segala penggunaan maklumat peribadi merekamestilah mendapat kebenaran terlebih dahulu, polisi kerahsiaan peribadi yang jelas dan tidak mahu maklumat peribadi mereka didedahkan kepada orang ramai. Seterusnya, pengguna kurang setuju bahawa firma online banking telus dalam melaksanakan transaksi, menjalankan polisi keselamatan yang ketat dan mengutamakan pelanggan.

Cashless policy was recently introduced into Nigerian payment system not more than ten years ago. The introduction of Cashless transactions received a lot of reactions from users and many banks received a lot complaint through their customer care units regarding the fear of perceived risks involved in engaging in it. This paper looked in to effects perceived risks on the adoption of cashless transactions in Jalingo metropolis as perceived by bank workers. Three research questions were formulated from the objectives of the study. Structured questionnaire was used in data collection and Z Test was used in data analysis. It was discovered from the findings of the research work that financial, performance as well as security risks have negative effect on users' behaviours towards the adoption of cashless transactions.

Banking through internet has emerged as a strategic resource for achieving higher efficiency, control of operations and reduction of cost by replacing paper based and labour intensive methods with automated processes thus leading to higher productivity and profitability. The purpose of this empirical research was to examine the impact of online banking on customer satisfaction. Electronic banking is aimed at promoting customer satisfaction and decongesting of banking halls. Despite the
introduction of those facilities, the banks have not fully taken advantage of such facilities.
This has led to overcrowding in the banking halls and the resultant customer dissatisfaction. These arguments have necessitated the need to examine the effects of
online banking on customer satisfaction. The targeted population was the employees Banks in Adum areas of Kumasi. A sample size of 100 employees was taken from the population. The researcher used a cross sectional survey to capture the respondents responses through simple random sampling. Mixed method of data collection was adopted. The findings indicate that majority of respondents(78%) believe that there were
satisfied with the internet banking services whilst 22% were dissatisfied internet banking services provided to them by their banks. The research recommends that banks should intensify awareness and creation of content on internet banking to its employees and the
public in general.

Internet banking (IB) is the new technology in banking environment that allows the bank customers to do banking activities at any time and from any place. This technology introduced in the Arab world before more than 10 years, but unfortunately the rate of usage of IB services from the customers' side still very weak. This paper gives an overview about IB technology in general, IB services and capabilities, and the adoption of IB in the Middle East and the Arab world.

Electronic banking, including online banking, is a necessary condition for the development of e-business and e-society. The aim of the article is to identify the factors exerting an influence on the use of online banking in Poland. A " Social Diagnosis " research project, which the Board of Social Monitoring operating at the University of Finance and Management in Warsaw carried out in 2015, serves as the source of empirical material for the purposes of the present article. Linear regression analysis demonstrates that the factors which mostly determine the employment of online banking are: the use of the Internet, taking advantage of other banking products as well as trust in commercial banks. The banking products that have the biggest influence on the use of online banking are mortgages and credit cards.

Quantum cryptography is having lots of consideration in present time for security but it's important to note that implementation of algorithms using QC is not viable if one wants to have the security intact. A technique needs to be theoretically strong and also practically viable. But quantum cryptography comes to naught in the latter. It can only be used to share keys using Quantum Key Distribution (QKD). Distribution of keys is just a part of securing information. In this paper first we explain the classical cryptography (CC) and the concept of quantum cryptography (QC) then we explain the various advantages of CC over QC.

Online banking is a major service for the contemporary banking sector's expansion plan. Numerous researchers have contributed to the research paradigm the positive aspects of online banking. Consumers sense the interconnectivity due to its presence online. Nonetheless, this service was not extensively utilized due to consumers’ remaining afraid of the danger of online transactions. Users fear to use such services online due to the prevalence of different kinds of risks. Thus, the detailed and distinctive risk job in risk awareness for the banking industry is an important and useful task. The influence of perceived risk in online banking use is investigated in this research. As it has been regarded for the majority of times, perceived risk serves as one of the major barriers towards usage of such kind of services. The paper has set out the varied categorical risks like privacy, social risk etc. which influences the usage or intention towards usage of such online banking services. The research model is envisaged on the basis of different theories of information technology acceptance. Questionnaire method was employed to obtain responses specifically from female users of online banking. Data collected were analyzed through Structural Equation Modelling (SEM). Results have been analyzed well. The findings of SEM show risk elements “privacy risk, security risk, social risk, time risk, and financial-performance risk” in perceived risk, which has a negative impact on desire to utilize online banking. Research findings may assist in suggesting ways to improve safety and mitigate online banking risks prevalent among users.

The aim of this qualitative study is to analyse the role of in-branch efforts of banks on migrating customers from branch banking to digital banking in India. In-depth semi-structured interviews were conducted with bank executives representing senior management from public and private sector banks in India. Qualitative content analysis technique was used to analyse the data. Varieties of responses received during interviews were clubbed into four main themes based on data reduction , display, and conclusion-drawing processes. In-branch communication with customers, digital transformation of the branch, customer-centric initiatives, and redefined role of branch staff hold the potential to bridge the customers' migration to digital banking. The paper suggests that the key identified factor in improving digital banking acceptance in India is the requirement of integrated cultural and organisational changes at the bank's level to gain the customers' confidence and trust in digital banking.

The significance of adopting online service and using in the banking industry has attracted researchers' attention in the past decade. In such condition that banks use online services to provide easiness and safety in the internet banking transactions for their customers, it is natural that studying on the factors affecting customer satisfaction in internet banking system has utmost importance in banking industry, today. Hereupon, this research attempts to study the key factors affecting customer satisfaction in internet banking system to prioritizing based on cause and effect relationships. For this purpose, according to the literature, seven main factors were identified as most important factors affecting customer satisfaction in internet banking which totally include 27 measurement items. Then, to evaluate the cause and effect relationships of factors an online questionnaire link distributed to professors and students as a group of potential expert users of internet banking and finally 20 completed questionnaires collected. To analyze interactions between the factors using Grey-based DEMATEL method, first experts' opinions of grey numbers are converted to crisp numbers and all opinions are unified into a single view. Then the crisp numbers normalized in DEMATEL and total matrix of each factor is calculated. At the end, the values of R, D, R+D and R-D are calculated, which based on these criteria the cause and effect relationships of factors analyzed and factors affecting customer satisfaction in internet banking system prioritized.

Alongside the increasing usage of smart devices across the industries for the delivery of secure and efficient services, technology self-efficacy is an emerging research notion amongst the scholars. Present research analyses the effect of technology self-efficacy (TSE) and e-service quality (ESQ) towards adoption of smart banking (AoSB) in Sri Lankan commercial banking context. Sample was drawn from Kelaniya University students those who are using smart banking services. Data analysis was performed using 287 questionnaires by using hierarchical linear model. TAM has been extended using the TSE and ESQ variables. Empirical evidence supported the significance of ESQ, TSE and interaction effect (TSE and motive towards TSE) aspects on AoSB. Usage of only the quantitative methods and constrained sample were limitations of the study. However, findings are beneficial for banks, banking application and fintech developers, the same. Originality of the research is that the application of the hierarchical linear model and combination of TAM with variables adopted from SCT and SERVQUEL models, given the specific research context. Upcoming researches could be performed in different contexts by incorporating diverse models and perspectives.

The objective of this research is to highlight and explore factors affecting consumers' intentions for accepting online shopping. It is important to find out variables that impede Egyptian consumers' intentions for accepting online purchase. The research approached a convenient sample out of the internet consumers' population. An online survey was administered to collect data. The initial interviews with Egyptian online vendors and literature review showed that the important independent factors that affect Egyptian consumers' intentions for accepting internet shopping, as dependent variable, were: (1)the trust in website, (2)e-service quality, (3)consumers attitude toward online shopping and the consumers demographic characteristics as moderating variables. The research findings pointed out that all the demographic characteristics had significant impact on the consumers' intentions for online shopping, Men were more oriented for accepting online shopping compared to women, consumers aged between 36 to 45 years old were having the highest intentions to accept online shopping, Consumers experience with the internet was a very significant factor and was positively correlated with the intentions for accepting online shopping, graduates were having more intentions for online shopping compared with MBA/MSC and PhD holders, and Trust, e-service quality and Consumers attitude toward online shopping were positively and significantly correlated to consumers' intentions.

The financial system of a country is changing. Information has become more accessible to both individuals and organizations with the advent of modern information technologies. The Internet and electronic commerce has changed the working process of traditional brokerage firms, banks, and insurance companies. Due to the technological advances, they are now expanding their markets; providing better customer service, increasing productivity with faster exchange of information, and offering lower costs for transactions with their suppliers, distribution channels, and customers. Financial service firms are constantly providing innovative services and greater access to information and efficiency for business customers with rapid advancing technologies. Online banking has been forever changed the management process of finances. Banks are now only a few clicks away from their clients. They can bank at any moment of time-either day or night-sitting at home, in the office, on the flight or even while in private conversations.

Twenty first century has witnessed real time shift in technical development in last couple of decade. Industrialization and Globalization has boosted the scope of technology use. Internet and technology started playing crucial role in every business function in diversified industries including e-commerce, e-banking, retailing and manufacturing. One could not find a single business operation without technology in present situation. People are talking about artificial intelligence and neural network use in their day to day life. Internet has become one of the most important needs after basic and emergency needs to human beings in this century. Social Media is most transforming innovation of internet technology in recent times. This is the most common virtual platform of gathering and communication in today's generations. Millions of messages and pieces of information are being shared every second in present time frame. Reach of Social Media has its roots to the longitude and latitude of the globe in recent time. Social Media initially only meant to communicate and chat with social and friend circle virtually has transformed itself in multidimensional platform for information sharing as well as building professional networks and discovering career opportunities. Website version of internet and Social Media is converted very portable and convenient form with the innovation of smart phone. After the quick transform in digital and internet technology made by smart phone; Social Media reached to finger tips of almost every individual globally. This research is focusing on changing dimension of Social Media as online banking and financial transaction platform and user's opinion as some Social Media service provider started offering this service to their users.

Mobile applications have been rapidly changing the way business organizations deliver their services to their customers and how customers can interact with their service providers in order to satisfy their needs. The use of mobile applications increases rapidly, and has been used in many segments including banking segment. This research aims at extending the Technology Adoption Model (TAM) to incorporate the role of factors in influencing customers perception towards mobile banking adoption. Furthermore, the extended TAM model was evaluated empirically to measure its impact on m-banking adoption in of Bahrain. The model was evaluated using a sample survey of 372 customers. The results reveal that the intention to adopt mobile banking is mainly affected by specific factors which are: Perceived Usefulness and Ease of Use. On the other hand, some factors such as perceived cost and perceived risk did not show any affect on the users' intention to use mobile banking. The result of th...

Reference: Jindal Mayank, Dr. Vijay Laxmi Sharma, (2020). Usability of Online Banking in India during Covid-19 Pandemic. International Journal of Engineering and Management Research, Vol. 10, No. 6, pp. 69-72... Abstract: Covid-19 is a virus developed in 2019 from the corona family virus. It is spreading across the world since Dec 2019 by the close contact of an infected person or fomites of Covid-19. It developed naturally in Wuhan (An State of China) or possibly develop by China research center "Wuhan Institute of Virology". It is spreading very fast across the world. World Health Organization and most countries including India it has declared a pandemic. People can protect themselves by this pandemic by maintaining social distance. But the basic need (Food and Medicine) is important for continuo their life and in it the transfer of money plays an important role. Online banking can make the transaction through an electronic basis without the exchange of any tangible commodity with maintaining social distance. Online banking is the modern concept of banking in which people can do some banking activities (like Transfer cash transfer and in the account, Check Bank Balance, Payment of Bills, Phone recharge and etc.) through using the Internet in their phone, computer. One of the most important features of online banking is that it can totally operate electronically basis without the exchange of any tangible commodity and it has made it an important tool to protect from the pandemic. The purpose of this study is to assess the contribution of online banking to stop the pandemic of Covid-19. A survey has been done to achieve the objectives of this paper. It is found that online banking playing an important role in the Covid 19 period to protect the people. People felt completely safe from the COVID 19 virus in the online payment of bills and recharge of prepaid mobiles and dish T.V.