• T.R.Srilatha
• Prof.A.Sudhakar

India has made a rapid pace in adoption of technology, especially in financial sector. Technology has brought a complete change in the functioning of banks and delivery of banking services. There has been a landmark change in the banking landscape – from brick and mortar banking to click and mortar banking. Banking is no longer restricted to the traditional business model. Today most of the transactions can be done from home and customer need not visit the bank branch for anything. Delivery channels have immensely increased and the choice offered to the customers to conduct banking transactions with ease and convenience. Various retail payments and settlement system have enabled faster means of moving the money to settle funds among banks and customers, facilitating turnover of commercial and financial transactions. This Research paper discusses the issues and challenges in Adoption of Technology in the Banking Sector. The research is based on secondary data of various sources of information technology related to banking and information technology from websites and various journals and articles. This study touched all aspects relating to issues and challenges faced by the banks in providing IT services to the stakeholders. This paper analyses the difficulties in the adoption of technology in banks in India.

E-Banking, Information Technology, Delivery channels, Financial Inclusion, Sustainable banking.

"ADOPTION OF TECHNOLOGY IN BANKS – ISSUES AND CHALLENGES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 2, page no.443-449, February-2018, Available :http://www.jetir.org/papers/JETIR1802071.pdf

"ADOPTION OF TECHNOLOGY IN BANKS – ISSUES AND CHALLENGES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 2, page no. pp443-449, February-2018, Available at : http://www.jetir.org/papers/JETIR1802071.pdf