E – Banking Services in India– an Opportunities and Challenges

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Emperor International Journal of Finance and Management Research [EIJFMR] ISSN: 2395-5929

Emperor International Journal of Finance and Management Research [EIJFMR] ISSN: 2395-5929Page No: 56

E – BANKING SERVICES IN INDIA– An opportunities and Challenges

Dr.V.DHEENADHAYALAN

Assistant Professor in Commerce, Annamalai University,

Mrs. A. YOGALAKSHMI

Ph.D. Research Scholar, Department of Commerce, Annamalai University, Chidambaram

Introduction

The banks have become an essential

component of most of the economies as

banking services are described as engines

for economic growth” or act as “conduits

towards promoting economic growth”. In

recent years the world economy has gone

through a new phenomenon which is

considered as one the most important

changes since the industrial revolution, i.e.

The birth of “Internet-based Economy”

Considering the benefits of using internet

the banks have started to invest in this newly

created market. At the initial level, banks

mainly focus on developing the commercial

web- sites, with the purpose of promoting

their products and services using the

internet. Gradually, it was realized by banks

that the Internet can be an effective

distribution channel too. Now with times the

traditional approach of banking is being

changed and banks are trying to match up

with there cent advancement in the field of

technology. Revolutionary developments in

information and communication technology

(ICT) in the past 20 years have changed the

way how banks deal with their bank

customers. With the rapid development of

technology, internet plays a significant role

in changing the banking scenario. I provides

an online platform for various banking

transactions through which it offers various

services like online payment, online fund

transfer, online stock trading and online

shopping etc. The use of internet as a

delivery channel for banking services is

increasing widely in banking sector. Internet

banking facilities enable financial institution

and customers to access their accounts,

transactions and getting information on

financial products & services1.Now a day’s

most of the commercial banks have

launched various services through internet

banking including latest service like opening

online saving accounts and demand for these

services is increasing rapidly. The concept

of e-banking is fairly a new concept in India

as compared to its developed counterparts.

So the paper deals with defining the concept

of Internet banking. Further, the present

paper attempts to identify the challenges and

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opportunities of adopting internet banking in

the Indian context.

Review of Literature

Karthikeyan.N.,2007, A comparative study

on the performance of the ATM services in

SBI and Virudhunagar Distict, M.phil

dissertations, Madurai Kamaraj University,

Madurai, India. Through different media.

Likewise ICICI Bank allows the customers

to access the ATMs of Federals Bank,

Andhra Bank for concessional rates and it’s

still trying to introduce new products in the

ATM services.

Srinivasarao.K.,(2008) in his research

paper, titled “Technology Innovations in Banks” published in “ The Indian Banker”,

stated that the National Electronic Funds

Transfer (NEFT), Electronic Clearing

system (ECS), Real Time Gross settlement

(RTGS) and the ongoing endeavor at

cheques transaction system is now leading to

a national payment and settlement system.

Objectives of the Paper

The following are the objectives of the paper

 To identify the pros and cons of E –

Banking services India.

 To study the dimensional benefits

derived from the E- Banking services in

India

 To study the challenges in adoption of

E – Banking services in India

 To offer recommendation for better E-

Banking services in India

The Pros and Cons Of E – Banking

Services India

The World Wide Web has permeated

virtually every aspect of modern life. If you

have access to a computer with an Internet

connection, an almost limitless amount of

goods, services and entertainment choices

are at your fingertips. You can do just about

anything online, including your banking and

financial transactions. But is this wise? Just

how comfortable are you conducting your

banking business in cyberspace? After all, E

banking has both advantages and

disadvantages, namely

Advantages

 It's generally secure. But make sure that

the website you're using has a valid

security certificate. This let's you know

that the site is protected from

cyber-thieves looking to steal your personal

and financial information.

 You have twenty-four-hour access.

When your neighborhood bank closes,

you can still access your account and

make transactions online. It's a very

convenient alternative for those that can't

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because of their work schedule, health or

any other reason.

 You can access your account from

virtually anywhere. If you're on a

business trip or vacationing away from

home, you can still keep a watchful on

your money and financial transactions -

regardless of your location.

 Conducting business online is generally

faster than going to the bank. Long teller

lines can be time-consuming, especially

on a Pay Day. But online, there are no

lines to contend with. You can access

your account instantly and at your

leisure.

 Many features and services are typically

available online. For example, with just

a few clicks you can apply for loans,

check the progress of your investments,

review interest rates and gather other

important information that may be

spread out over several different

brochures in the local bank.

Disadvantages

 Yes, online banking is generally secure,

but it certainly isn't always secure.

Identity theft is running rampant, and

banks are by no means immune. And

once your information is compromised,

it can take months or even years to

correct the damage, not to mention

possibly costing you thousands of

dollars, as well.

 Some online banks are more stable than

others. Not all online setups are an

extension of a brick-and-mortar bank.

Some operate completely in cyberspace,

without the benefit of an branch that you

can actually visit if need be. With no

way to physically check out the

operation, you must be sure to

thoroughly do your homework about the

bank's background before giving them

any of your money.

 Before using a banking site that you

aren't familiar with, check to make sure

that their deposits are FDIC-insured. If

not, you could possibly lose all of your

deposits if the bank goes under, or its

major shareholders decide to take an

extended vacation in Switzerland.

 Customer service can be below the

quality that you're used to. Some people

simply take comfort in being able to talk

to another human being face-to-face if

they experience a problem. Although

most major banks employ a dedicated

customer service department specifically

for online users, going through the

dreaded telephone menu can still be

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considerably better (or worse) than

others.

 Not all online transactions are

immediate. Online banking is subject to

the same business-day parameters as

traditional banking. Therefore, printing

out and keeping receipts is still very

important, even when banking online.

E banking does have pros and cons.

However, it's not only the wave of the

future, it's the wave right now, and the clock

isn't likely to go backward. If you take

reasonable care to safeguard your personal

and financial information, you'll likely find

that online banking is a convenient tool that

you can easily live with. Eventually, you'll

probably even wonder how you ever lived

without it.

Dimensional Benefits Derived from the E-

Banking Services in India

After getting the number of services

provided by the Banks through E-banking it

is easy to what advantages we are getting by

establishing and using e-banking. The

Advantages or benefits can be classified in

three dimensions, these are:

1. National Point of View

2. Banks’ Point of View

3. Customers’ Point of View

To see the benefits based on time these

benefits can be classified into two

categories:

Short term benefits Reduce extra time;

Increase productivity and efficiency;

Eliminate duplication and wastage; Cut

down maintenance, and shortage cost;

Curtail security cost.

Long-term benefits Create new

opportunities of jobs for jobless; participate

in the country’s economic health; proper

planning and monitoring; Proper use

resources.

A few examples

For Firms E Commerce brings

 Different and arguably lower barriers to

entry;

 Opportunities for significant cost

reduction;

 the capacity to rapidly re-engineer

business processes;

 Greater opportunities to sell cross border.

Each and all of these potential benefits

provides for increased competition and the

ability to wrest market leadership from

established players.

For consumers the potential benefits are  Greater competition and better value for

money

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 Better tools to manage and compare

information

Faster service

 And there are potential benefits even for

regulators

 Better, more flexible, user friendly

information for consumers and others on

our own web-site

 Better, almost indestructible audit trails

 Potential to monitor advertising and

advice activity more easily

 More cost effective and efficient use of

regulatory tools (for example the use of

our extra net over the Y2K period).

National Point of View

Though in these days banks transaction and

activities has brought negative impact on the

economy of our country, the investment in

e-banking by banks can make some

long-term benefits for our country. The

advantages that our country is getting from

e-banking action are:

Job creation According to Bangladesh

Bureau of Statistics, the number of

unemployed people in Bangladesh in1990 –

2001 was 1.0 million. Among them 0.2

million are male and 0.8 million female, at

the rate of unemployment was 1.1 which

was extended 1.9.[4] The issue of computers

eliminating jobs of people was quite

emotional and painfully real. But it has two

sides that automation will eliminate certain

types of job like record keeper and also

created jobs like administrator, system

analyst, programmer, operator etc. and

helped to reduce unemployment problem.

Contribution to GDP Banks with a national

economy, work towards building national

capital, increasing national savings and

mobilizing investments in trade and

industry.

Economic benefits E-banking served so

many benefits not only to the bank itself, but

also to the society as a whole.

E-banking made finance economically

possible

 Lower operational costs of banks

 Automated process

 Accelerated credit decisions

 Lowered minimum loan size to be

profitable.

Potentially lower margins

 Lower cost of entry

 Expanded financing reach

 Increased transparency.

Expand reached through self-service (i)

Lower transaction cost (ii) Make some

corporate services economically feasible for

society (iii) Make anytime access to

accounts and loan information possible.

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From the banks’ view point, banks are

getting some specific benefits or advantages

after starting the e-banking services. These

advantages are:

 Branding Banks offering e-banking

services was better branding and better

responsiveness to the market. DBBL and

BRAC are two market leader at present

in mobile banking services in

Bangladesh, is the result of positive

branding of the banks.

 Profit Maximization The main goal of

every company was to maximize profits

for its owners and banks were not any

exception. Banks are increasing its profit

by reducing the cost of paper, time etc.

by using banking. Thus, automated

e-banking services offered a perfect

opportunity for maximizing profits.

 Increased Services Quality Features of

E-banking services include less time,

complete transaction, no human conflict

and presence etc. thus the quality of

services of bank is increasing day by day

 Increased Customer Rate It is the most

noticeable change in bank after starting

e-banking services. Customer are

accepting this medium beside a

traditional account. Ultimately, the profit

of bank is increasing

Customers’ point of view

The main benefit from the bank customers’

point of view was significant saving of time

by the automation of banking services

processing and introduction of an easy

maintenance tools for managing customer’s

money. The main benefits of e-banking were

as follows:

1. Increased comfort and

timesaving-transactions made 24h a day, without

requiring the physical interaction with

the bank.

2. Better cash management. E-banking

facilities Quick and continuous access to

information.

3. Corporations had easier access to

information as, they checked on multiple

accounts at the click of a button.

4. speed up cash cycle and increases

efficiency of business processes as large

variety of cash management instruments

is available on Internet sites of banks.

5. Private customers looked for slightly

different kind of benefits from

e-banking.

6. Reduced costs this was in terms of the

cost of availing and using the various

banking products and services.

7. Convenience all the banking transactions

performed from the comfort of the home

or office or from the place a customer

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8. Speed the response of the medium was

very fast; therefore customers actually

waited till the last minute before

concluding a fund transfer.

9. Fund’s management Customers

downloaded their history of different

accounts and do a “what-if” analysis on

their own PC before affecting any

transaction on the web.

Challenges in Adoption of E-Banking

E-banking is facing following challenges in

Indian banking industry:

1. The most serious threat faced by

e-banking is that it is not safe and secure

all the time. There may be loss of data

due to technical defaults.

2. E-banks are facing business challenges.

For the transactions made through

internet, the service charges are very

low. Unless a large number of

transactions are routed over the Web the

e-banks cannot think of profit.

3. There is lack of preparedness both on

part of banks and customers in the

adoption of new technological changes.

4. There is lack of proper infrastructure for

the installation of e-delivery channels.

Recommendations for Better E- Banking

Services in India

The following are the recommendation for

better E- Banking services in India

1. E-banks should create awareness among

people about e-banking products and

services. Customers should be made

literate about the use of e-banking

products and services.

2. Special arrangements should be made by

banks to ensure full security of customer

funds. Technical defaults should be

avoided by employing well trained and

expert technicians in field of computers,

so that loss of data can be avoided.

3. Employees of banks should be given

special technical training for the use of

e-banking so that they can further

encourage customers to use the same.

4. Seminars and workshops should be

organized on the healthy usage of

e-banking especially for those who are

ATM or computer illiterate.

5. E-banking services should be

customized on basis of age, gender,

occupation etc so that needs and

requirements of people are met

accordingly.

6. Government should make huge

investments for building the

infrastructure.

7. Increase the use of up – to – date

technology for security

8. Increase the security process of Mobile

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9. Create better restore point in case of

Mobile or SIM loss

10.Increase the quality of services or

quantity relatively to cost of

transactions, so that customer thinks it is

not costly.

11.Increase awareness among people for the

acquiring more customers.

12.Bank should consider the networking

systems of Mobile operator and also the

failure of Electricity in case of ATM

transaction.

13.To solve ATM related transaction

problems bank can rely on renewable

energy like Solar Panel.

14.Make customers acknowledged about

banks services and offers.

Conclusion

After all, Banking Sector is giving all the

services through Electronic Banking which

is available in the India. But the services can

be varied in case of Geographic cause,

networking problem and much more. If

these problems are removed then it is

expected that the whole states will be under

banking services through Electronic

Banking Methods. In India, E-banking is in

a nascent stage. No doubt Indian banks are

making sincere efforts for the adoption of

advanced technology and installation of

e-delivery channels but still masses are wary

of the concept. Banks are making sincere

efforts to popularize the e-banking services

and products. Younger generation is

beginning to see the convenience and

benefits if banking. In years to come,

e-banking will not only be acceptable mode of

banking but will be preferred mode of

banking.

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