• REENA PRASAD

This study attempts to find out whether virtual banking is beneficial for bankers. For this purpose , a survey of banker’s perception on virtual banking has been conducted in Patna, the state capital of Bihar. In this study, the bankers are the heads of the branches of State Bank of India located in Patna. State Bank is the largest commercial bank of India. The scale used for measuring the perception of bankers on virtual banking has four dimensions namely, operating efficiency, productivity, customer satisfaction and profitability . The primary data for the study has been collected from the bankers through structured questionnaires . Tools used for the data analysis are : some basic descriptive analysis like mean and standard deviation and one sample t-test. Results of data analysis and hypothesis - testing shows that virtual banking is beneficial for banks. So banks may use virtual banking to attract and retain their customers and thereby increase their profits . Suggestions are given for this purpose. This can be done by increasing the awareness and utility of virtual banking among the public by more publicity , educating people for using virtual banking products , increasing security level by using biometric products, increasing service quality level, minimising website outage , providing innovative products and targeting young , resourceful and tech- savvy customers.

Virtual banking, operation efficiency , productivit5y, customer satisfaction, profitability .

"BANKER’S PERCEPTION ON VIRTUAL BANKING : AN EMPIRICAL INVESTIGATION ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 12, page no.43-50, December-2018, Available :http://www.jetir.org/papers/JETIR1812206.pdf

"BANKER’S PERCEPTION ON VIRTUAL BANKING : AN EMPIRICAL INVESTIGATION ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 12, page no. pp43-50, December-2018, Available at : http://www.jetir.org/papers/JETIR1812206.pdf