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Customer Perception Towards Internet

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Uploaded by majiclover on Mar 15, 2009

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guys this is a ok project and its questioner is a good 1 a lot more
research could have been done on this but bcoz of lack of time i was Final Project on E- Questionnaire for internet banking Questionnaire on
 Audiobooks unable to complete my research Full description banking online banking… project… E-Banking

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DISSERTATION REPORT
ON
“Customer perception towards Internet banking w.r.f to private and
foreign banks in India (use of MDS) ”

SUBMITTED TOWARDS THE FULFILLMENT

OF
POST GRADUATE DIPLOMA IN
BUSINESS MANAGEMENT
(APPROVED BY AICTE, GOVT OF INDIA)
(EQUIVALENT TO MBA)
ACCADEMIC SESSION
(2007-2009)
Submitted To: Submitted By: -
Proff. Timira Shukla SIDDHARTH AGARWAL

(Chair Person PGDBM) BM 07149

INSTITUTE OF MANAGEMENT STUDIES

C-238, BULANDSHAR ROAD,
LAL QUAN, G.T.ROAD
GHAZIABAD-201009

1|Page

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ACKNOWLEDGEMENT.

A Project report is an assessment of one’s great skill and aptitude. One

needs to devote in immense patience, time and brains for the compilation of one
such rewarding outcome of true efforts.

I am indeed thankful to honorable Director Sir (IMS, Ghaziabad), Dr.

R. K. Bhardwaj who has provided the wonderful opportunity of getting exposed
to industrial and business working know-how. This study enabled me to analyze
and understand the gaining foothold internet banking system in banking senario.
This opportunity availed has immensely enhanced my own creativity and
diversified my thought process by taking a deep insight of various Banks in the
 NCR region and the growing inclination of the Indian customer toward internet
 banking based on a number of parameters.

I would like to render my sincere heartfelt gratitude to my Project

Mentor  Prof. Timira Shukla (Chairperson PGDBM) for her immense
encouragement, guidance and invaluable lecture sessions both before and
throughout my Dissertation. SHe has been an inspirational mentor guiding me
through every step of my project, thus making the entire Dissertation a complete
learning process.

Never the last I would take the opportunity to thank the concerned bank 
officials for providing me with the necessary and relevant information. A word of 
thanks to the customers for giving in their invaluable time and being a part of the
survey.

SIDDHARTH AGARWAL

2|Page

TO WHOMSOEVER IT MAY CONCERN

This is to certify that Mr. SIDDHARTH AGARWAL student of PGDBM

(2007-2009) I.M.S Ghaziabad has done his dissertation under my guidance
and supervision.
He has completed the project titled ““Customer perception towards
Internet banking w.r.f to private and foreign banks in India (use of 
MDS)”
For the partial fulfillment of PGDBM under my supervision.

During his project he was found to be very sincere and attentive to small
details whatsoever told to him.

I wish him luck and success in future.

Under the guidance of:

Prof.Timira Shukla
Chair Person PGDBM

3|Page

PREFACE.

Management education in India gained momentum in the early seventies. In the early
stages, faculty, concepts, materials and pedagogy were borrowed from the Western
collaborators. The need for market analysis, strategy and decision making and the need
for contextual relevance of the application of quantitative techniques to developing
countries has been increasingly felt because management principles are not only being
applied to business and industry, but also to newer areas like rural development, non-
 profit making organizations and non-enterprise management.

Banking is a highly information intensive activity that relies heavily on information

technology (IT) to acquire, process, and deliver the information to all relevant customers.
Banks used the Internet technology as a strategic weapon to revolutionize the way they
operate, deliver, and compete against each other. As a result Online Banking was
introduced as a channel where bank customers could perform their financial transactions
electronically via their banks’ Web sites. An Online Banking user is expected to perform
at least one of the following transactions online:
1. Checking account balance and transaction history
2. Paying bills
3. Transferring funds between accounts
4. Requesting credit card advances
5. Ordering checks
6. Managing investments and stocks trading
From a bank’s perspective, using the Internet is more efficient than using other 
distribution mediums because banks are looking for an increased customer base. Using
multiple distribution channels increases effective market coverage by enabling different
  products to be targeted at different demographic segments. Also Banks cannot risk 
loosing customers to competitors within the aggressive competition in the banking
industry around the world. Moreover Internet delivery offers customized service to suit
the needs and the likes of each user. Mass customisation happens effectively through
Online Banking. It reduces cost and replaces time spent on routine errands with spending

4|Page

time on business errands. Online Banking means less staff members, smaller 
infrastructure demands, compared with other banking channels. From the customers’
 perspective, Online Banking provides a convenient and effective way to manage finances
that is easily accessible 24 hours a day, seven days a week. In addition information is up
to date. Nevertheless Online Banking has disadvantages for banks like how to work the
technology, set-up cost, legal issues, and lack of personal contact with customers. And for 
customers there are security and privacy issues

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