• DR. MAHANTESH V. ANGADI

A nation's financial sector has a significant impact on its economic growth. An economy's lifeblood is banking. A robust and sound financial system is a crucial prerequisite for economic expansion. The banking sector in India is currently undergoing an IT revolution. Banking institutions have become more modern as a result of the adoption of the internet. Both banks and customers have profited from the adoption of the internet banking strategy. Because of the advantages, banks worldwide have adopted online banking, and Indian banking institutions are no exception. The Indian banking sector is becoming more and more automated as a result of bank competitiveness. Internet, phone, and mobile banking are all included in the general phrase "e-banking." The bank hopes to introduce the fundamental idea of IT-based Enabled Services (ITES) through E-Banking. Customers are the only ones who can use e-banking services, which are completely integrated with the existing core banking solution. Examining and evaluating the advancements made by Internet banking in India is the aim of this article. The nation's financial system has a significant impact on its economic growth. Information technology has caused a shift in the banking industry, opening the door for the introduction of retail electronic payment systems. These systems have advanced recently in many nations, with India leading the way. Banks have become more modern when the internet was incorporated into the banking sector. E-banking is knowledge-based and mostly scientific in that it uses electronic devices of computer resolution through substantial IT use without the consumers having to provide the bank with direct resources. Examining and evaluating the advancements made by online banking in India is the aim of this article. The difficulties Indian banks have implementing technology are also highlighted in the research. The author's opinions are presented as a conclusion at the end.

E-Banking, Information Technology, ATM’s, RTGS, NEFTs, Debit and Credit Cards

"ONLINE BANKING DEVELOPMENT, CHALENGES AND EXPECTATIONS IN INDIA AN OVERVIEW ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.a636-a644, January-2026, Available :http://www.jetir.org/papers/JETIR2601076.pdf

"ONLINE BANKING DEVELOPMENT, CHALENGES AND EXPECTATIONS IN INDIA AN OVERVIEW ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. ppa636-a644, January-2026, Available at : http://www.jetir.org/papers/JETIR2601076.pdf