• Dattatreya.G.Tapas

ABSTRACT The present study has been undertaken on 200 bank-customers who are getting banking services of 10 selected banks (Five from State-Owned and Five from Private Sector) in a progressive district and popularly known as educational heart of Karnataka called Dharwad. It situates under North-Karnataka which has been economically and politically deprived region of Karnataka State. The researcher applies SRST (Simple Random Sampling Technique). This has been demonstrated by the investigation that 98% of user-respondents uses e-banking products frequently and had diverse sorts of e-products. Percentages, frequencies simple tables and also Chi-square technique were applied for the analysis. Though, our country has adopted this latest technology very late, a number of achievements have been there to its glory. Rapid change in the demand for a variety of value added products and services has compelled the banking system to apply the different strategies to catch the attention of new customers and to preserve the existing customers. The RBI initiated e- banking products such as ATMs, Credits cards, Debit cards, Net banking, m-banking, ECS, EFT, SEFT ,RTGS, NEFT, CTS, OLTAS. to cater to the rapidly changing requirements of the bank-customers. The transformation from paper-based banking into paper-less banking or electronification has very much benefitted both the banking sector and the bank-customer. This revolution termed as electronic revolution has significantly influenced both the banking sector and the bank-customers. The role of RBI in this regard is really appreciable. The cut-throat competition and advancements in technologies have forced the banks to focus more on customer satisfaction with varied e-services. So the customers-centric approach has become necessary today for the survival of the banking industry. The present analysis of the data clearly discloses that there exists a significant correlation between the level of satisfaction and the demographic aspects of the customers such as marital status, educational level,occupation and the level of income and there is no significant correlation between their age and their satisfaction level. Though the efforts of banking system are laudable in this regard there still needs an improvement in e-banking mechanism and proper accessibility must to be assured by the banking machinery to reach the rural and very remote corners of our country.

(KEY WORDS: e-banking, electronification, RTGS,NEFT,OLTAS, Conventional, digital, association cost-effective demographic factors)

"PERCEPTION OF CUSTOMERS TOWARDS E-BANKING (WITH A SPECIAL REFERENCE TO DHARWAD DISTRICT).", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.208-219, June-2019, Available :http://www.jetir.org/papers/JETIR1906033.pdf

"PERCEPTION OF CUSTOMERS TOWARDS E-BANKING (WITH A SPECIAL REFERENCE TO DHARWAD DISTRICT).", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp208-219, June-2019, Available at : http://www.jetir.org/papers/JETIR1906033.pdf