A

PROJECT REPORT

ON

A STUDY OF ELECTRONIC BANKING IN SBI BANK

WITH RESPECT THANE REGION

SUBMITTED BY

SONIYA NANDLAL MAURYA

SEAT NO: - 1090643

BACHELOR OF ACCOUNTING & FINANCE

SEMESTER – VI
ACADEMIC YEAR –: 2018 – 2019

GUIDANCE NAME: - PROF. NEHA KOTIAN.

ANAND VISHWA GURUKUL SENIOR NIGHT COLLEGE,
THANE, (W) – 400606
 CERTIFICATE

Sharda Education Society’s

ANAND VISHWA GURUKUL SENIOR NIGHT COLLEGE
OF COMMERCE & ARTS THANE (W) 400606.

This is to certify that,

Miss. Soniya Nandlal Maurya of T.Y.BAF Semester- VI Seat no.
1090643 has under taken & completed the project titled “Electronic Banking
In SBI Bank with Respect Thane region” during the academic year 2018-19
under the guidance of Prof. Neha Kotian submitted on, 2019 to this college
in fulfillment of the curriculum of BACHELOR OF ACCOUNTING AND
FINANCE ,UNIVERSITY OF MUMBAI.
This is a bonafide project work & the information presented is true &
original to the best of knowledge & belief.

PROJECT GUIDE EXAMINER

CO-ORDINATOR PRINCIPAL
 DECLARATION

I’m Miss. Soniya Nandlal Maurya student of TYBAF, SEM- VI, Academic year
(2018-2019) Seat no-1090643, here by declared that I have project on
“Electronic Banking In SBI Bank with respect Thane region”
Is true or original with the best of my knowledge

DATE: - / / SIGNATURE OF STUDENT

PLACE: - Thane

I
 ACKNOWLEDGEMENT

This project would not have been completed without the valuable
contribution from various people with whom I interacted within the course of
its competitor. I would first thank to the UNIVERSITY OF MUMBAI for
designing such precise & practical course.

I thank our principal DR. HARSHALA LIKHITE who has relied

strongly on me to complete my project & without them this project would have
remained just an idea. I would also like to thank my project guide Prof. NEHA
KOTIAN for assisting in completion for my project.
I would like to express my indisputable thank to our library staff
who provided me essential information in Time.

Finally, I wish to thank my friends, parents & all those people who have
lent me a helping hand in finishing this project whose names are too numerous
to be mention here.

Your Faithfully,
Soniya Nandlal Maurya.

II
Sr No. CONTENT Page
No.
TITLE PAGE

CERTIFICATE

DECLARATION I

ACKNOWLEDGEMENT II

CHAPTER.1 INTRODUCTION 1
1.1 Introduction 2
1.2 Definition 4
1.3 History 5
1.4 The Global E-Banking scenario 6
1.5 Indian E-banking scenario 8
1.6 Types of Internet Banking or E-Banking 10
1.7 Features of E-Banking 11
1.8 Advantages and disadvantages of E-Banking 12
1.9 Medium of E-Banking 14
1.10 Usage of E-Banking 23
1.11 Internet Banking v/s Traditional Banking 24
1.12 The E-Banking strategies 25
CHAPTER.2 RESEARSCH & METHODOLOGY 27
2.1 Introduction on E-Banking 28
2.2 Company profile 29
2.3 Objective 33
2.4 Scope of study 34
2.5 Research & Methodology 35
2.6 Limitation 36
CHAPTER.3 REVIEW OF LITERATURE 37
3.1 Meaning of Review of Literature 38
CHAPTER.4 DATA ANANLYSIS & INTERPRETATION 44
CHAPTER.5 FINDINGS & CONCLUSION 56
5.1 Conclusion 57
5.2 Findings 58
SUGGESTION
ANNEXURE
 Suggestion

We can see the time is changing and we the passage of time people are accepting
technology there is still a lot of perceptual blocking which hampers the growth it‘s the
normal tendency of a human not to have changes work on the old track, that‘s also one
of the reason for the slow acceptance of internet banking accounts.
• Banks should obey the RBI norms and provide facilities as per the norms,
which are not being followed by the banks. While the customer must be given
the prompt services and the bank officer should not have any fear on mind to
provide the facilities as per RBI norms to the units going sick.

• Internet banking facility must be made available in all branches of these two
Banks.

• Each section of these Banks should be computerized even in rural areas also.

Give proper training to customers for using E-banking

• Create a trust in mind of customers towards security of their accounts

• Provide a platform from where the customers can access different accounts at
single time without extra charge.
• Make their sites more users friendly. Customers should be motivated to use I-
banking facilities more.
 Bibliography

 Websites Refered

www.E-Banking.com
www.onlinesbi.com
www.bankersonline.com

 Books Referd

E-Banking global perspective

(Author-Vivek Gupta)
 ANNEXURE

A Study Of Customer Preference on E-Banking with SBI Bank:

Name of Participant:-

Age:-

Gender:-

Occupation:-

Q1)Do you have a knowledge on E-banking?

□ Yes

□ No

Q2)Do you use E-banking?

□ Yes
□ No
Q3)How oftenly do you use E-banking?

□ Daily
□ Weekly
□ Monthly
□ Never
Q4)Which bank you prefer?

□ SBI
□ ICICI
□ HDFC
□ AXIS
□ Other
Q5) Which of the following E-Banking service you are aware of?

□ Internet Banking
□ Mobile Banking
□ Phone Banking
□ Debit Cards
Q6)Do you feel E-Banking system of the bank is customer friendly?

□ Yes
□ No

Q7)Do you think it Saves time?

□ Yes
□ No

Q8)Do you think E-Banking is safe?

□ Yes
□ No

Q9)How banks provid E-Banking Details to you?

□ Via SMS
□ E-Mail
□ Brouchers
□ Others

Q10)Do you trust the security of online banking service?

□ Yes
□ No