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COMPARATIVE STUDY OF QUALITY OF WORK LIFE IN PRIVATE SECTOR AND PUBLIC

SECTOR BANKS
Quality of work life is a generic phrase that covers a person's feelings about every dimension, of
work including economic rewards and benefits, security, working conditions, organizational and
interpersonal relationships and. its intrinsic meaning in a person's life. It is a process by which an
organization attempts to unleash the creative potential of its personnel by involving them in
decisions affecting their work lives. A distinguishing characteristic of the process is that its goals
are not simply extrinsic focusing on the improvement of productivity and efficiency; they are also
intrinsic, regarding what the workers see as self-fulfilling and self-enhancing ends in themselves.
During 1979, the American Society of Training and Development created a 'Task Force' -on the
quality of working life, which defined the concept of quality of working life (QWL) as follows:
"QWL is a process of work organizations which enables its members at all levels to participate
actively and efficientl

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International Journal of Scientific & Engineering Research, Volume 5, Issue 2, February-2014 1287
ISSN 2229-5518

Comparative analysis between Private Sector and Public Sector Banks in Mobile
Banking in Different Cities.
Renu Bagoria, Head of Department in CS Jagannath University, Jaipur
renubagoria@gmail.com,renu.bagoria@jagannathuniversity.org
Abstract
The paper present the comparative study between the private sector banks and public sector
banks in mobile banking in different cities. M banking is the provision of banking service
through electronic channels and the customer can access the data without any time and
geographical limitation. This paper identified the how much mobile banking adoption in
different Banks in Different cities like jaipur, jhunjhunu, jodhpur in Rajasthan and metro
cities like Delhi . Also comparative study of banks in different region to analyze ATM, Net
banking, Mobile banking services used by user in that banks.
The Paper is basically concerned with the customer aspect of mobile banking searching for
customer satisfaction level and adoptions of banks. This is a comparative study of Public
sector banks and Private Sector Indian banks and find out the majority of which kind of
transaction in banks in different cities.
Key words: Mobile Banking, ATM, Internet banking.
Introduction
Mobile banking is a Technology that allows customers to conduct a number of financial
transactions through a mobile device such as a mobile phone or personal digital assistant
(pda). Mobile banking services are being offered on various access channels viz. Short
Messaging Services (SMS), Interactive Voice Response (IVR), Mobile Application, Wireless
Application Protocol (WAP) etc. Mobile Banking, we can check account balance, transfer
funds , pay bills, book bus and flight tickets, recharge prepaid mobile or DTH connection and
do a lot more effortlessly and securely. Most of the banks provide different types of services
like mobile
banking, online banking etc.
IJSER 2014 http://www.ijser.org

International Journal of Scientific & Engineering Research, Volume 5, Issue 2, February-2014 1288
ISSN 2229-5518

Objectives:

The study will focus on two main questions in India:


1) Comparative study between Public sector banks and Private sector banks in mobile
banking.
2) How much adoption of mobile banking, Internet banking, manual banking and
ATM banking in India.
Research Methodology
The data collected for the research was in the form of written as well as verbal information.
1) Primary data- The information about the selected bank is gathered from the discussion
with the employees of bank. For data collection, observation and interview method is used.
Interview of manager can be conduct to get information.
2) Secondary data- The secondary data was collected from summary reports, e-mails,
circulars, books and an annual report of the banks.
3) Data Analysis- Researcher has selected SBI, SBBJ, IDBI and OBC and some other private
banks like ICICI, INDUSSIND, HDFC and AXIS in different region as a sample for study. In
above study ATM, Net banking and Mobile banking facility used by the customer in selected
private and public bank can be analyzed.
This paper analyzes the Comparative study between the Public Sector Banks and Private
Sector
Banks.
Name of mobile banking Services Banks

Name of Public Banks

Name of Private Banks

1) ICICI Bank
a. State Bank of India (SBI)

2) INDUSSIND Bank

b. IDBI Bank c. SBBJ Bank d. OBC Bank

3) HDFC Bank
4) AXIS Bank

IJSER 2014 http://www.ijser.org

International Journal of Scientific & Engineering Research, Volume 5, Issue 2, February-2014 1289
ISSN 2229-5518

This research analysis of different banks like SBI, SBBJ, IDBI and OBC and some other
private banks like ICICI, INDUSSIND, HDFC and AXIS bank has analyzed .Primary data
from particular branches in particular cities has also analyzed. and the identified result
percentage ratio is showing different-different transactions in banks and comparison between
them.
Public Banks

MOBILE BANKING
SBI

IDBI

SBBJ

OBC

JHUNJHUNU

5%

1.60%

7%

4%

JODHPUR

7.60%

2.80%

10%

5%

DELHI

40%

34%

35%

50%

JAIPUR

24%

18%

20%

21%

INDUSIND

HDFC

AXIS

USERS

Private Banks

MOBILE BANKING

ICICI

USERS

MB

JHUNJHUNU

6.66%

2.85%

2.50%

3%

JODHPUR

7.20%

5.55%

4%

6.50%

DELHI

38%

33%

42%

42%

JAIPUR

23%

15%

18%

10%

Conclusion
In this paper comparative study has been done of mobile banking in public sector and private
sector banks. As the comparative analysis results shows that the mobile bankings ratio is very
low as compare to other banking facilities like internet and Atm banking.
This paper includes a comparative analysis of difference between public sector banks and
private sector banks in various cities regarding adoption of mobile banking.
A comparison between public and private sector banks has been presented regarding adoption
of mobile banking based on data as per survey in Jhunjhunu, Jodhpur, Jaipur and Delhi. The
study has concluded that out of these 4 cities, in metro cities like Delhi the adoption of

mobile banking
is more or maximum in comparison of other cities. Similarly, frequency of adoption of
mobile
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International Journal of Scientific & Engineering Research, Volume 5, Issue 2, February-2014 1290
ISSN 2229-5518

banking is more in nationalized banks like SBBJ and SBI. Gradually private banks like ICICI
are also trying to be equal to nationalized bank in adoption of mobile banking. These results
have been shown through different tables. For instance the following table shows as stated
above:
In terms of transaction volume and value, State Bank of India and SBBJ are the most popular
mobile payments services provider. ICICI Bank is the next largest player. This indicates that
the average value of mobile transactions executed through the public sector bank is far higher
than its private sector.
References:
1) http://www.abhinavjournal.com/images/Commerce_&_Management/Nov12/20.pdf
2) DR. DEEPAK GUPTA,DR. VIKRANT SINGH TOMAR, A COMPARATIVE STUDY OF
CUSTOMER FRIENDLYSERVICES OF SELECTED PRIVATE & PUBLIC SECTOR
BANK IN INDIA , JBFSIR ,Volume 1, Issue 9,( December,2011) ISSN 22314288
3) PROF. MRS. MINAKSHI DATTATRAY BHOSALE, E-Banking Services: Comparative
Analysis of Nationalized Banks, International Journal of Engineering Research & Technology
(IJERT) Vol. 1 Issue 8, October - 2012 ISSN: 2278-0181
4) Ronak A. Mehta, Banking Services and Customer Satisfaction A Study of Public and
Private Sector Banks in Navsari City, Volume : 2 | Issue : 3 | March 2013 ISSN - 22501991
5) Surabhi Singh and Renu Arora, A Comparative S tudy of Banking Services and Customer
Satisfaction in Public, Private and Foreign Banks, J Economics, 2(1): 45-56 (2011)
6) http://www.slideshare.net/prakash200/comparative-study-of-promotional-strategiesadopted-by-public-and-private-sector-banks-in-india
7) http://ssijmar.in/Sample_Paper_IJMAR.pdf
IJSER 2014 http://www.ijser.org