Impact of Internet Banking on the Efficiency of Traditional Banks

  • R. Regin Assistant Professor, Department of Computer Science and Engineering, SRM Institute of Science and Technology, Ramapuram, India
  • S. Suman Rajest Professor, Bharath Institute of Higher Education and Research, Chennai, Tamil Nadu, India
  • Shynu T Master of Engineering, Department of Biomedical Engineering, Agni College of Technology, Chennai, Tamil Nadu, India
  • Steffi. R Assistant Professor, Department of Electronics and Communication, Vins Christian College of Engineering, Tamil Nadu, India
Keywords: Bank customers, efficiency, results, E-Banking, benefits of online banking

Abstract

Banks that were formerly considered "remote" have become "local" in recent years as a result of technological advancements and the proliferation of communication channels. The management of monetary transactions has been facilitated by the emergence of computerised banking systems. The retail banking sector has benefited from the prevalence and evolution of the internet, which has provided new perspectives and possibilities. E-banking, which is conducted online, is another service that many retail banks now provide. In terms of e-banking, the ramifications for banks' productivity are viewed as crucial. Customers save both time and money by avoiding a trip to the bank itself. Which is why it has a good reputation for customer service. In an effort to gain and keep consumers, financial institutions have invested significant time, effort, and resources into providing convenient online banking services. ATMs, online exchanges, and online shops are all examples of important types of e-banks that allow customers to deposit funds without the intervention of a bank worker. They discuss how clients' literacy levels are affected when bank services are readily available. Examining the impact of internet banking perks on customer loyalty, including the reasons why some people choose to utilise e-banking systems while others do not. As shown by the findings, e-banking has increased the benefits that banks can reap; it has enabled financial institutions to cover their expenses and reap rewards in a shorter amount of time. It is not considered as a serious challenge to organise their products and services due to the lack of consumer understanding. For banks, attracting and retaining customers is the primary goal of offering online banking services. The shift to online banking channels has boosted banks' ability to compete.

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115. Lanke, Govinda Rajulu, “Strategic objectives modeling architecture for Real-Time Business Intelligence (BI),” International Journal of Scientific and Technology Research, vol. 2, no. 6, p. 4, 2013.
116. Lanke, Govinda Rajulu, “The Certainty of Bi System For SME,” IJCSERD, vol. 1, no. 1, p. 4, 2014.
117. Lanke, Govinda Rajulu, “The Inevitability of BI systems for SME,” International Conference On Emerging Trends In Science, Engineering And Technology, vol. 1, no. 3, p. 14, 2012.
118. Lanke, Govinda Rajulu. (2013), “Adaptation of Saas In B Usiness I Ntelligence For SME,” IJOAR .org, vol. 1, no.3, p.14, 2013.
119. M. Raja and G. G. L. Priya, “An analysis of Virtual Reality usage through a descriptive research analysis on school students’ experiences: A study from India,” Int. j. early child. spec. educ., vol. 13, no. 2, pp. 990–1005, 2021.
120. M. Raja and G. G. L. Priya, “Conceptual origins, technological advancements, and impacts of using Virtual Reality technology in education,” Webology, vol. 18, no. 2, pp. 116–134, 2021.
121. M. Raja and G. G. Lakshmi Priya, “Using virtual reality and augmented reality with ICT tools for enhancing quality in the changing academic environment in COVID-19 pandemic: An empirical study,” in Technologies, Artificial Intelligence and the Future of Learning Post-COVID-19, Cham: Springer International Publishing, 2022, pp. 467–482.
122. M. Raja and Lakshmi Priya GG, “Factors Affecting the Intention to Use Virtual Reality in Education,” Psychology and Education, vol. 57, no. 9, pp. 2014–2022, 2020.
123. M. Raja, K. Srinivasan, and S. Syed-Abdul, “Preoperative virtual reality based intelligent approach for minimizing patient anxiety levels,” in 2019 IEEE International Conference on Consumer Electronics - Taiwan (ICCE-TW), 2019.
124. M.A.M. Fowsar, “Local democratic crises in Sri Lanka: a study based on Kalmunai Municipal Council,” Journal of Educational and Social Research, vol. 10, no. 5, p. 34, 2020.
125. M.A.M. Fowsar, M.A.M. Rameez and A. Rameez “Muslim minority in post-war Sri Lanka: a case study of Aluthgama and Digana violence,” Academic Journal of Interdisciplinary Studies, vol. 9, no. 6, p. 56, 2020.
126. M.A.M. Fowsar, N.K.K. Raja and M.A.M. Rameez, “COVID-19 pandemic crisis management in Sri Lanka. slipping away from success”, in Times of Uncertainty: National Policies and International Relations under Covid 19 in Southeast –Asia and Beyond, D. Brisen, T.T.T. Nguyen and Q.M. Pham Eds. Germany: Nomos, 2022, pp. 401-422.
127. N.Andiyappillai and T.Prakash, “Implementing Warehouse Management Systems in Logistics: A Case Study,” Journal of Logistics, Supply Chain and Retail Management, Vol.2, Issue 1, 12-23, Feb. 2019, DOI:10.5281/zenodo.2576011
128. N.Andiyappillai and T.Prakash, “Latest Developments in Logistics and Supply Chain Systems Implementations,” International Research Journal on Advanced Science Hub, Vol.2, Issue 3, 12-17, Mar. 2020.
129. N.Andiyappillai, “An Analysis of Realization of Supply Chain Systems Execution”, International Journal of Innovative Research in Science, Engineering and Technology, Vol.9, Issue 3, 726-731, Mar.2020
130. N.Andiyappillai, “An Analysis of the Impact of Automation on Supply Chain Performance in Logistics Companies”, IOP Conference Series: Materials Science and Engineering, Vol.1055, Issue 012055, 2021. doi:10.1088/1757-899X/1055/1/012055
131. N.Andiyappillai, “Contribution of Data Analytics to Logistics and Supply Chain Industry”, Journal of Logistics, Supply Chain and Retail Management, Vol.4, Issue 2, 1-8, Oct. 2021
132. N.Andiyappillai, “Data analytics in warehouse management systems (WMS) implementations–a case study,” International Journal of Computer Applications, Vol.181, Issue 47, 14-17, Apr 2019. doi:10.5120/ijca2019918542
133. N.Andiyappillai, “Digital Transformation in Warehouse Management Systems (WMS) Implementations,” International Journal of Computer Applications, Vol.177, Issue 45, 34-37, Mar 2020. doi:10.5120/ijca2020919957
134. N.Andiyappillai, “Factors Influencing the Successful Implementation of the Warehouse Management System (WMS),” International Journal of Computer Applications, Vol.177, Issue 32, 21-25, Jan 2020. doi: 10.5120/ijca2020919787
135. N.Andiyappillai, “Standardization of System Integrated Solutions in Warehouse Management Systems (WMS) Implementations,” International Journal of Computer Applications, Vol.178, Issue 13, 6-11, May 2019. doi:10.5120/ijca2019918891
136. R, S., Regin, R., Rajest, S. S., T, S. and G, J. A. C. (2022) “Rail Project’s Needed Project Management Approaches, Strategies, Methodologies, and Processes”, International Journal on Economics, Finance and Sustainable Development, 4(10), pp. 109-126.
137. R. Steffi, G. Jerusha Angelene Christabel, T. Shynu, S. Suman Rajest, R. Regin (2022), “ A Method for the Administration of the Work Performed by Employees”, Journal of Advanced Research in Dynamical and Control Systems, Vol.14, no.1, pp. 7-23.
138. Rajest, D. S. S., & G, J. A. C. (2022). A Brief on Past and Present a Tug of War in the Select Works of Kurt Vonnegut. Central Asian Journal of Literature, Philosophy And Culture, 3(4), 59-79.
139. Rajest, D. S. S., G, J. A. C., & Galiya, D. S. (2022). Modern Spinsters in the Family and Kinship in the 21st Century. Central Asian Journal of Social Sciences and History, 3(8), 37-55. Retrieved from https://cajssh.centralasianstudies.org/index.php/CAJSSH/article/view/413
140. Rajest, S. S., & G, J. A. C. (2022). Location, Cost, and Education Quality Affect Parents’ School Choice. Central Asian Journal of Arts and Design, 3(10), 38-52.
141. Ravi Kumar Gupta, “A Study on Occupational Health Hazards among Construction Workers in India”, International Journal of Enterprise Network Management. Vol. 12, No. 4, pp. 325-339, 2021.
142. Ravi Kumar Gupta, “Adoption of Mobile Wallet Services: An Empirical Analysis”, Int. J. of Intellectual Property Management, 2022, DOI: 10.1504/IJIPM.2021.10035526
143. Ravi Kumar Gupta, “Utilization of Digital Network Learning and Healthcare for Verbal Assessment and Counselling During Post COVID-19 Period”, Technologies, Artificial Intelligence and the Future of Learning Post-COVID-19. Springer Nature, Switzerland, pp. 117-134, 2022.
144. Regin, R., Rajest , S. S., T , S., G, J. A. C., & R , S. (2022). An Organization’s Strategy that is Backed by the Values and Visions of its Employees’ Families. Central Asian Journal of Innovations on Tourism Management and Finance, 3(9), 81-96.
145. Regin, R., Rajest, S. S., T, S., Christabel G, J. A. and R, S. (2022) “The Influence that the Advertising of Pharmaceuticals has on the Economy”, Central Asian Journal Of Social Sciences And History, 3(10), pp. 1-18.
146. Regin, R., Rajest, S. S., T, S., G, J. A. C., & R, S. (2022). Pharmaceutical Supply Chain Challenges and Inventory Management. Central Asian Journal of Innovations on Tourism Management and Finance, 3(10), 143-159.
147. S. Suman Rajest, D.K. Sharma, R. Regin and Bhopendra Singh, “Extracting Related Images from E-commerce Utilizing Supervised Learning”, Innovations in Information and Communication Technology Series, pp. 033-045, 28 February, 2021.
148. S. Suman Rajest; Anbarasi, “The Postwar Novel as Postmodern: Billy Pilgrim’s Imagination and the Critical Tendency towards Teleology, Slaughterhouse – Five”, International Journal of Advance Research, Ideas and Innovations in Technology, Volume 3, Issue 4, pp.37-41 (2017).
149. Suman Rajest S, P. Suresh, “21st Century Learners’ Student-Centered Learning Various Stages” in International Conference, Age and Content in Journey of Language by VISTAS (Tamil Department), Volume: I, Issue I, April 2018, Page No.: 474-492. (International Conference Paper)
150. Suman Rajest S, P. Suresh, “American Postmodern Novelist Thomas Pynchon’s The Crying of Lot 49: Structure and Absurd Realism” in Proceedings of the IOSRD, 73rd International Conference on Future Trends in Engineering and Business, Volume: 73, May 2018, Page No.: 32-41.
151. Suman Rajest S, P. Suresh, “An Analysis of Chetan Bhagat’s Revolution -2020: Love, Ambition, Corruption” in International Journal of English Language, Literature in Humanities, Volume: V, Issue IX, September 2017, Page No.: 52-62.
152. Suman Rajest S, P. Suresh, “Confrontation on Modernism or Postmodernism Changes after the World War” in New Academia: An International Journal of English Language, Literature and Literary Theory, Volume: VII, Special Issue I, January 2018, Page No.: 50-76.
153. Suman Rajest S, P. Suresh, “Galapagos: Is Human Accomplishment Worthwhile” in Online International Interdisciplinary Research Journal (OIIRJ), Volume: VII, Special Issue II, September 2017, Page No.: 307-314.
154. Suman Rajest S, P. Suresh, “Impact of 21st century’s different heads of learning skills for students and teachers” in International Journal of Multidisciplinary Research and Development, Volume: V, Issue IV, April 2018, Page No.: 170-178.
155. Suman Rajest S, P. Suresh, “Necessary Heads Which are Used for Writing a Scholarly Journal” in New Man International Journal of Multidisciplinary Studies, Volume: V, Issue III, March 2018, Page No.: 5-21.
156. Suman Rajest S, P. Suresh, “The “Four Cs” Education For 21st Century’s Learners” in Research Guru Online Journal of Multidisciplinary Subjects, Volume: XII, Issue I, June 2018, Page No.: 888-900.
157. Suman Rajest S, P. Suresh, “The Post-War Novel as Catch-22: The Chronology and Ex-P.F.C Winter Green” in International Journal of Research Culture Society, Volume: II, Special Issue II, February 2018, Page No.: 64-68.
158. Suman Rajest S, P. Suresh, “The white Tiger by Aravind Adiga: Depiction of Fermentation in Society” in International Journal of Information Movement, Volume: II, Special Issue VI, October 2017, Page No.: 189-194.
159. T. A. Al-maaitah, T. Majah, M. Alsoud, and D. A. Al-maaitah, “The Impact of COVID 19 on the Electronic Commerce Users Behavior,” J. Contemp. Issues Bus. Gov., vol. 27, no. 1, pp. 784–793, 2021.
Published
2022-11-16
How to Cite
Regin, R., Rajest, S. S., T, S., & R, S. (2022). Impact of Internet Banking on the Efficiency of Traditional Banks. Central Asian Journal of Innovations on Tourism Management and Finance, 3(11), 85-102. https://doi.org/10.17605/cajitmf.v3i11.362

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