Professional Documents
Culture Documents
INTRODUCTION
CHAPTER 1
INTRODUCTION
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· Easy online applications for all accounts, including
personal loans and mortgages
·24 hour account access
· Quality customer service with personal attention
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The banking industry in India is facing unprecedented
competition from non-traditional banking institutions,
which now offer banking and financial services over the
Internet. The deregulation of the banking industry
coupled with the emergence of new technologies, are
enabling new competitors to enter the financial services
market quickly and efficiently.
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· Emergence of open standards for banking functionality.
· Growing customer awareness and need of transparency.
· Global players in the fray
· Close integration of bank services with web based E-
commerce or even disintermediation of services through
direct electronic payments (E- Cash).
· More convenient international transactions due to the
fact that the Internet along with general deregulation
trends eliminates geographic boundaries.
· Move from one stop shopping to 'Banking Portfolio' i.e.
unbundled product purchases.
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CHAPTER 2
RESEARCH
METHEDOLOGY
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CHAPTER 2
RESEARCH METHEDOLOGY
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2.3 OBJECTIVE OF THE STUDY
• To find out why customers in Raipur city adopted internet
banking.
2.4 POPULATION
2.5 SAMPLE
A sample is a finite number of units taken for the purpose of the
study out of the Universe. The sample is selected for the
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convenient study. For the optimum sample should be selected
sample should represent whole universe. It neither feasible nor
desirable to go each and everyone so sampling is done. The
sample size is 50, and the sample units are the people of the
city.
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CHPTER 3
DATA ANALYSIS
AND
INTERPRETATION
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CHAPTER 3
DATA ANALYSIS AND
INTERPRETATION
25
20
15
Series1
10
0
Below 26 – 35 36 – 45 46 – 55 Above
25 55
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3.2 GENDER OF RESPONDENTS
female
20%
MALE
FEMALE
male
80%
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3.3 MARITAL STATUS OF RESPONDENTS
MARRIED
32%
MARRIED
UNMARRIED
UNMARRIE
68%
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3.4 DUCATION QUALIFICATION OF
RESPONDENTS
POST
UNDER GRADUATE
GRADUATE
16%
40%
GRADUATE
44%
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3.5 EMPLLOYMENT STATUS OF THE
RESPONDENTS
EMPLOYMENT FREQUENCY PERCENTAGE
STATUS
EMPLOYED 28 56%
UNEMPLOYED 17 34%
SELF EMPLOYED 5 10%
TOTAL 50% 100%
SELF EMPLOYED
10%
UNEMPLYOED
34%
EMPLOYED
56%
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3.6 MOTHLY PERSONAL INCOME OF
RESPONDENTS
5000-10000
ABOVE 30000
10000 - 20000
20000-30000
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3.7 NUMBER OF DEPENDENTS
50%
46%
45%
40%
35%
30%
25% 22%
20% 18%
15% 14%
10%
5%
0%
1 2 3 More than 3
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3.8 NATURE OF FAMILY OF RESPONDENTS
JOINT FAMILY
14%
NUCLEAR FAMILY
86%
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3.9 OCCUPATION OF THE RESPONDENTS
OTHER SPECIFY
100%
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3.10 DO YOU HAVE SAVING ACCOUNT IN
BANK
ACCOUNT IN
BANKK
100%
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3.11 DO YOU USE THE FOLLOWING
FACILITY PROVIDED BY THE BANK
25
20
15
10
0
1 2 3 4 5
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3.12 SCINCE HOW LONG YOU ARE USING
NET BANKING
TIME FREQUENCY PERCENTAGE
LESS THEN 6 5 10%
MONTH
6 MONTH – 1 10 20%
YEAR
1 – 3 YEAR 20 40%
MORE THEN 3 15 30%
YEAR
TOTAL 50 100%
25
20
15
10
0
1 2 3 4
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3.13 FROM WHERE YOU HEARD ABOUT NET
BANKING FOR THE 1ST TIME
SOURCES FREQUENCY PERCENTAGE
FRIEND 20 40%
RELATIVES 8 16%
NEWS PAPER 3 6%
MAGAZINE 2 4%
LAEFLETS OF 5 10%
THE COMPANY
BANK 3 6%
EMPLOYEE
INTERNET 5 10%
OUTHER - -
SPCIFY
TOTAL 50 100%
25
20
15
Series1
10
0
1 2 3 4 5 6 7 8
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3.14 HOW DID YOU LEARN TO USE THE NET
BANKING
25
20
15
Series1
10
0
1 2 3 4 5
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3.15 REASON DUE TO YOU STARTED THE
USING NET BANKING
REASON FREQUNCY PERCENTAGE
IT SVES TIME 21 21%
IT IS SAFE AND 6 12%
SECURE
I CAN USE IT 15 30%
ANY WHERE
I DON’T HAVE 8 16%
TIME TO GO TO
BANK
TOTAL 50 100%
25
42%
20
30%
15
10 16%
12%
5
0
IT SVES IT IS SAFE I CAN USE IT I DON’T
TIME AND ANY HAVE TIME
SECURE WHERE TO GO TO
BANK
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3.16 PURPOSE OF USING NET BANKING
PURPPOSE FREQUENCY PERCENTAGE
1 16 32%
2 7 14%
3 5 10%
4 - -
5 - -
6 9 18%
7 - -
8 10 20%
9 - -
10 - -
11 3 6%
TOTAL 50 100%
18
16
14
12
10
8
6
4
2
0
1 2 3 4 5 6 7 8 9 10 11
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3.17 SAFETY PRECAUTION FOLLED BY
RESPONDENTS
SAFETY FREQUENCY PERCENTAGE
PECAUTIONS
1 3 6%
2 8 16%
3 1 2%
4 5 10%
5 12 24%
6 6 12%
7 - -
8 2 4%
9 13 26%
10 - -
TOTAL 50 100%
14
12
10
0
1 2 3 4 5 6 7 8 9 10
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3.17 ARE YOU SATISFIED WITH YOUR NET
BANKING EXPERIENCE
60
50
40
30
20
10
0
1 2
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CHAPTER 4
FINDINGS, LIMITSTION,
SUGGESTIONS
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CHAPTER 4
FINDINGS, LIMITATIONS ,
SUGGESTION
4.1 FINDINGS
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4.2 LIMITATIONS
• Since the sample are taken out of universe was very small the
conclusion cannot be generalized for whole Raipur city.
4.3 SUGGESATIONS
.
• Net banking should be made user friendly
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BIBLIOGRAPHY
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BIBLIOGRAPHY
• www.google.com
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APPENDIX
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QUESTIONNAIRE
Respected Sir/Madam,
Nandan
Kulkarni
M.B.A. 2nd Sem.
Institute of
Management
Pt. R.S.U. Raipur
(C.G.)
PART-1
1. Demographic Information
a. Name-
b. Address-
c. Phone no.-
d. Age group- below 25 26-35
36-45
46-55 above 55
e. Sex- male female
f. Marital status- married unmarried
g. Educational Qualification- under graduate graduate post graduate
h. Employment status- employed unemployed self-employed
i. Monthly personal income- less than Rs.5000 5000>=10000 10000>=20000
20000>= 30000 above 30000
j. Number of dependents- 1 2 3 >3
k. Nature of family- nuclear family joint family
l. Occupation- [ ] Entrepreneur [ ] Lawyer [ ] Doctor [ ] Egg.
[ ] Academic [ ] Govt. employee [ ] others (specify)…………………
PART – 2
2. (a) Do you have saving account in a bank?
Yes { } No { }
(b) Please mention the name of the bank …………………………
3. Do you use following facilities provided by your bank?
Yes No
• Phone banking { } { }
• Mobile banking { } { }
• Net banking { } { }
• Electronic fund transfer { } { }
• ATM { } { }
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4. Since how long you are using Net Banking facility?
{ } Less then 6 month { } 6 month – 1 year
{ } 1 – 3 year { } more then 3 year
5. from where you heard about NET BANKING for the first time?
{ } Friend { } Relatives
{ } News paper { } Magazine
{ } Leaflets of bank { } Bank employee
{ } Internet { } other specify ……………….
6. How did you learn to use the NET BANKING?
{ } Self { } Friend
{ } From website of bank { } from bank staff
{ } Other specify ………….
7. Please mention the reason due to which you started using NET BANKING?
{ } Because it saves time.
{ } Because it is safe & secure.
{ } Because I can use it any where.
{ } Because I don’t have time to go to the bank.
8. For which purpose you do net banking?
{ } View account balance.
{ } Download account statement.
{ } Transfer fund to other bank accounts.
{ } Book fixed deposits.
{ } Pay utility bill.
{ } Cheque status enquiry.
{ } Request stop payment of cheque.
{ } Cheque book request.
{ } Tax deduction at source enquiry.
{ } Request for demand draft.
{ } Buy/Sell mutual fund.
9. Please tick against the safety precaution you follow?
{ } I never respond to email that request personal information.
{ } Keep my password top secret & change it often.
{ } Use special character like #, $, @ etc. in password.
{ } Do not use same password for other online account.
{ } Never use cyber cafes to access my online account.
{ } I have installed antivirus software to keep my computer secure.
{ } Ensure that site is running in secure mode.
{ } Disable “auto complete” function to prevent internet browser for remembering
password.
{ } Always logout to terminate the session.
{ } Incase of suspicion, report the matter to customer care.
10.(a) Are you satisfied with your internet banking experience?
{ } Yes { } No
(b) If no, state reason
…………………………………………………………………………...
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12. Please give suggestion for improvement in “internet banking” facility provided by
different banks.
……………………………………………………………………………………………
Date : Signature
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